BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: MORTGAGE SOLUTIONS OF COLORADO
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I was approved put in offer it was accepted the sellers were paying all my closing cost then out of nowhere the lenders start demanding payment for appraisal or they were not releasing my appraisal report I refused to pay it the lender then contacted sellers realtor asking them to pay it before a full approval was even complete come to find out. They hadn't even got it to underwriting. They spoke to me very rudely told me the buying of the home takes presidency in my life and were constantly texting me very rude things!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: BARCLAYS BANK DELAWARE
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received a sink that was damaged in shipping. I bought the sink on XXXX and used XXXX to pay for it. XXXX charged the purchase to my Jet Blue Barclays card. 
I returned the damaged sink to the seller and when XXXX did not refund my money I went to Barclays to stop payment. After several months, Barcays denied my claim. I sent them the tracking information about how the sink was returned and signed for, but Barclays has not reopened the case and refunded my money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a notification from XXXX XXXX stating that my personal data may have been compromised. I investigated this and found that my information was involved in 9 different data breaches between XXXX and XXXX. As a result, I changed my XXXX XXXX password as this was all I could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Synovus Bank
State: WV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Re : Cease and Desist Letter Pursuant to 15 USC Dear First Progress I am writing this letter to formally demand that you cease and desist from any further activities or actions that involve my name, signature, or personal information in connection with any contracts or agreements, in accordance with 15 USC, Title 15, Chapter 41, Subchapter I - Consumer Credit Protection. I am exercising my rights under 15 USC 1602, which defines my Social Security Number as the source of credit used in transactions, thereby making it the basis for any financial agreements entered into. 

It has come to my attention that my signature has been utilized without my knowledge or consent in various contracts and agreements. Furthermore, I have reason to believe that these actions are related to unauthorized use of a credit card, which is prohibited by 15 USC. This serves as formal notice that I am rescinding my signature from all contracts associated with these fraudulent activities.

I would like to emphasize that under 15 USC, the credit card referenced is intended for personal use and is not associated with any credit lending or loaning activities. Any representations made to the contrary are inaccurate and, as such, violate my rights and protections under federal law.
I hereby request that you : 1. Cease any further use of my signature, personal information, or Social Security Number in any contracts, agreements, or transactions.

2. Immediately provide me with any and all documentation, records, or evidence related to the contracts or agreements in question.

3. Confirm in writing, within 10 days of receiving this letter, that you have ceased the unauthorized use of my personal information and have taken appropriate steps to remedy this situation.

4. Return to me all monies paid into or reported on my credit report under 15 U.S. Code 1635 ( b ) within the 20 days specified by law.

Failure to comply with this cease and desist letter will leave me with no option but to pursue legal remedies available to me under the law, including but not limited to seeking injunctive relief and damages. 

This letter is not intended to be a complete or exhaustive statement of my rights, remedies, claims, or defenses. I expressly reserve all rights and remedies available to me under the law. 

I expect your immediate attention to this matter. Please consider this letter as a final opportunity to resolve this issue amicably and without further legal action. If I do not receive a satisfactory response within the stipulated time frame, I will have no choice but to seek legal redress in accordance with applicable laws and regulations. 

Sincerely, All Rights reserved XXXX XXXX XXXX XXXX estate Signature on file

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
1. XXXX XXXX XXXX is reporting to XXXX XXXX and the three major credit bureaus such a Transunion XXXX and XXXX that my closed first premier card as open with a XXXX credit limit. This is inaccurate and fraudulent. I don't have this card and it paid in full with O balance. 
2. XXXX XXXX is reporting the XXXX XXXX  card muliple/duplicates of the card must be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation : XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX, XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-06
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
THIS IS NOT MY ACCOUNT I HAVE NO IDEA WHO THIS PERSON IS OR WHAT THIS COMPANY IS I CALLED IT SAYS ITS A COLLECTION AGENCY BUT THEY CANT FIND MY INFO WHN I CALL AND I HAVE NEVER OWED MONEY TO ANY ONE IT SAYS I WAS IN COLLECTION THEY ARE NOT MY ACCOUNT NOR ARE THEY A CREDIT REPORTING FACILITY THEY ARE NOT A CREDIT CARD AND I HAVE NO COLLECTIONS NOTICES OR ANY KIND OF COMMUNICATION THIS IS NOT MY ACCOUNT REMOVE IT NOW IT SAYS PAID AND CLOSED THEN REMOVE IT AS IT IS HURTING MY REPORT AND IT IS NOT MY INFORMATION DELETE NOW

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : 1XXXX | DEPT OF ED / XXXX XXXXXXXX | DEPT OF ED / XXXX XXXXXXXX | DEPT OF ED / XXXX XXXX XXXX | DEPT OF ED / AIDVANTAGE 5.XXXX | DEPT OF ED / XXXX After your investigation is complete, please send me the results via mail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the inquiries that are erroneous in my file and need investigation XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, I spoke with " XXXX '' through the XXXX XXXX about purchasing an indoor rower that he posted for sale. The rower was priced at {$410.00}. According to the XXXX XXXX, shipping would cost {$14.00}. " XXXX '' let me know that XXXX would not ship items over 20lbs and that the rower was well over 100lbs. He said that he would ship it to me personally and that shipping from XXXX ( where he was located ) would cost {$110.00}. The total cost of the rower would then be {$520.00}. 

Since XXXX would not allow the shipping of products over 20lbs, he told me that XXXX would not allow him to accept my offer. He asked to me to use a different form of payment, outside of the XXXX XXXX. He suggested using XXXX. He sent me his wife 's XXXX  info which was : XXXX XXXX ; XXXX and requested I send him a screen shot after payment to confirm that I paid, which would then allow him to ship the rower. I paid him through XXXX in the amount of XXXX on XX/XX/2022 around XXXX XXXX. EST. 

Within a few hours ( XXXX EST ), I looked at XXXX again and noticed the same exact pictures of the rower I had just purchased from XXXX, but listed under a different name, " XXXX '', and coming from Colorado. I immediately called my bank, Wells Fargo, and reported the fraudulent purchase. Although when I XXXX the money, a note at the bottom said that the money would not be available to XXXX XXXX until the next business day, Wells Fargo told me there was no further action they could take since I already submitted the money. 

After noticing the double post of the rower, I reached out to " XXXX '' numerous times at cell phone number 1 ( XXXX ) XXXX, which was the number through which we had been communicating. He ensured me that this was not a scam. I continued to text him and request a refund but never heard from him again and needless to say, never received the indoor rower that I paid for. 

I since reported this user and the user of the secondary post to XXXX and blocked them from the app. I reached out to Wells Fargo again and finally received a letter dated XX/XX/2022 that they determined that this payment was processed as requested and that they were unable to stop or reverse the funds and subsequently closed the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-05
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Dispute letters were sent to the following companies on XX/XX/2023 XXXX, Experian, and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After my personal information was exposed in the data breach of the Washington XXXX XXXX XXXX, I contacted each of the XXXX credit bureaus to place a freeze on my credit, as was recommended. However, Experian has refused to place a freeze on my credit, instead demanding that I send them a giant pile of documents and photocopies in first class mail to Texas, and then wait XXXX weeks to see if they felt like complying. 

I have the legal right to freeze my credit, and they do not have the right to refuse that request. They are obligated to place a freeze as requested in a timely manner, and I dont have weeks to wait, as the fraudsters who stolen my information are not going to sit around waiting a few weeks before trying to steal my identity. 

I have tried repeatedly to contact them, but there is no way to reach them. I can only access a recording recapping the instructions to gather, photocopy, and mail to them all of my personal information and identification, a piece of mail confirming my name and current address, etc., and to check back in XXXX days.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: GOLDMAN SACHS BANK USA
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I did consolidation loan with XXXX XXXX. This loan was to cover my XXXX outstanding credit card balances. XXXX and XXXX are showing paid, my Apple Card ( issued by Goldman Sachs ) is not. I closed my Apple Card in XXXX of 2023. Because of this, the virtual card number was no longer available to me in the XXXX XXXX. I had to call Goldman Sachs at XXXX to request my Apple Card account number. The frontline agent provided me with an account number to provide to XXXX. From XXXX  end, this debt shows paid as of XX/XX/2023. On XXXX, XX/XX/XXXX, I contacted Goldman Sachs at the number listed above to request an update on why the funds have not been paid to my Apple Card account. I provided the supervisor with the Apple Card account number that I was provided, and it was uncovered that what I was provided was an internal account number that was NOT supposed to be provided to customers. The supervisor apologized profusely, and reassured that she will be opening a payment inquiry to locate the funds. Now the {$4300.00} is floating up in the air, most likely stuck in a ledger at XXXX, but the interest and late fee penalties will not stop as I still owe my balance on my Apple Card. I was misled, leading to believe that my debt would be paid with the account number I was provided. When I further questioned the Goldman Sachs supervisor on what they expected me to provided XXXX to pay the debt, I was told that I was to provide the phone number linked to my Apple ID or my Apple ID email address. This does not make sense. I want the money located and the account paid so I can be done with Goldman Sachs/Apple Card XXXX On XX/XX/2023, I contacted XXXX  to request for my payment inquiry to be expedited due to agent error and I was advised that my complaint will be forwarded for review. Something needs to be done. By no means in this XXXX  fault as they did as I instructed. Goldman Sachs needs to be held accountable and backdate the payment effective date of XX/XX/2023 and delete the credit bureau reporting as thus account should be PAID OFF.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX  assumed my identity and used it to create fake accounts in XXXX. In XXXX I opened a checking account and found out I had been a customer with XXXX XXXX for 11 years without my knowledge. The main issue is that I had a SBA loan deposit into my personal account for my small business, at which time XXXX XXXX XXXX flagged my account, put a hard freeze on my account, as well created another account and moved my account balance into it. I have filed numerous complaints over the past two years with out resolution. As a matter of fact XXXX XXXX responded that they were not going to address my complaint. Upon the actions of the bank, my name has been red flagged, restricting me from opening any other bank accounts with any banks. Several of my prepaid account is were closed do to the banks actions, and have not refunded my accounts balances. In XX/XX/XXXX on my Experian credit report it shows XXXX XXXX XXXX  changed my personal information on my checking account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: American Credit Acceptance, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am requesting proof of ownership. I did not sign off on this loan. This account was opened without my consent by my ex. I only found out it was in my name after legally separating. My ex missed a payments and later totaled the vehicle. I was left to settle and pay on the account off and legally go after my ex for the funds paid. I was forced to pay off this account because I was getting a mortgage. I have yet to recoup my funds and on top of that American Credit does not have the original documents signed in my name nor does it have records of the last payment I made to close the account on XX/XX/20. I have the receipt to prove I paid it yet they have no record on file when I call. Ive talked to various managers and always the same answer. They will not take this account off of my credit report even though I did not open it and they can not produce Proof of Ownership with my signature on it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Paramount Recovery Systems, L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
someone used my Identity to gain medical help, and accumulated a debt of {$1100.00}. it was assigned to a collection agency and reported on my credit profile by PARAMOUNT RECOVERY SYSTM -Account number XXXX, I have requested all three credit report agencies to delete the identity theft account. Both XXXX and XXXX  have initiated a general dispute ( 30 days ) instead of the guidelines set forth by the FTC through the Fair credit reporting act section 605B which requests the reporting agencies to delete the Fraudulent accounts from my credit profiles within 4 days. Both XXXX and XXXX failed to do so. I have uploaded all supporting documents to both agencies and i was informed that my request does not meet the standard fair credit report requirments to delete the file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation