BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Earlier this year, my mom began to receive mail at my home address from persons unknown to her. I also noticed that the mail was addressed to different named individuals using my home address. After a week or so, I asked my special needs daughter whether she had been talking to the individuals online who's names were on the mail received. She stated that she had gone online ( in chat rooms ) and met persons that were supposedly helping her to get a job. She also indicated that she had provided her home address, but not shared her SSN with anyone. When my mom e-filed her 2021 tax return, she received an email from the IRS indicating that her return was rejected because the dependent XXXX ( had already been used ). After further investigation, it was discovered that my XXXX had been compromised.

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 2023-05-03
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX I checked my credit report through XXXX XXXX and I have over {$9000.00} in debt to a combination of XXXX XXXX, XXXX XXXX XXXX, and Account Resolution Services. These all are indicating that they are out of the XXXX XXXX Area, several seem to be d/t medical services provided that I did not receive. The account dates range from XXXX. Of note, my father passed away in XXXX and he did live in the XXXX XXXX area, so it is likely that my information was used for these debts either fraudulently or because I was his next of kin.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I just spoke to Wells Fargo Mortgage regarding the following : I own a home that has only my husbands name on record. My husband passed away XX/XX/XXXX, from XXXX. The home is in my name with the county, city and state records after probate. Wells Fargo will not let use the Internet or receive information other than paper mailing, which is still in my deceased husbands name. 

I received a letter ( that was very condescending ) stating I could still keep the loan on that property, keep the same interest rate, etc. but I would not be able to use the internet to access information and all communications would be by paper mail unless I assumed the loan. 

Today I called he telephone number for the Wells Fargo mortgage assumption department given to me in the letter. I was told to assume the loan in my husbands name that I would need to provide my income history, have an excellent credit score ( mine is over 800 ), and pay closing costs. I asked for an estimate of cost for closing and was told these amounts : Credit Report {$18.00}, Texas Doc Fee {$100.00}, and get this a 1 % of the loan Wells Fargo fee which would be $ XXXX. I stopped the agent then and said thats over {$1000.00} plus any other fees Wells Fargo Mortgage charges. No, thank you. 

She then said since the property was in my name I could refinance with Wells Fargo Mortgage, again a range of fees. I said, no, thank you, as I can refinance at any other mortgage loan company, possibly without closing costs, as the value of the house is 3-4 times the value of the current Wells Fargo Mortgage XXXX 

I think it is despicable that Wells Fargo Mortgage uses a widows circumstance to make money for only to be able to just be online with the mortgage account. 
I have had other situations with Wells Fargo Banking that would not have happened with XXXX with whom I bank with now. I have my friends and family tell me they do not like Wells Fargo and in fact just found out recently my granddaughter-in-law left Wells Fargo Checking and joined XXXX banking services. 

I will copy this information and distribute it to where ever I can find a site that critiques Wells Fargo. 

Thank you for your time and consideration. 


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 explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage purchased my mortgage loan from Mutual of XXXX in XXXX, I received notice in XXXX that I had a {$1400.00} Escrow refund, that I could apply to my XXXX mortgage payment. I processed the payment for XXXX, and then on XX/XX/XXXX, I called again to confirm payment was processed and to schedule auto draft payments for duration of loan term, which the representative confirmed over the phone. 

I called again on XXXX the XXXX to confirm and I was notified that they did not process the Escrow refund or my auto draft payment and that they has issued a late payment without notification. I IMMEDIATLY filed a formal complaint with Freedom Mortgage and they did not take my statement, they reworded everything I said and rejected my complaint. 

Ive worked EXTREMLY HARD over the past 10 years to build my credit and I to have a mortgage company lie and not accept responsibility for their failures is just wrong and unacceptable.

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 2023-05-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I have received numerous calls from portfolio recovery pretending to be a XXXX XXXX employee. They also threatens to send someone to my location of work after an answer has been sent to the courts. I do not agree with the among the of debt and have been sent a validation with charges, signatures or original creditor. I could dispute these actions if so. I have voicemails of the person pretending to be a courier and threatening to come to my job. also sent my answer in to the court. Theyre is also an individual that calls from a number very similar stating the court needs a statement. 

Dates sent in court answer was XX/XX/2022. 
Debt validation has not been received. 
Receiver more calls in XXXX with proof after the court date has been set. 

In XXXX received three calls back to back and they denied to tell me who they were and she stated she doubts I have a lawyer when I told her she was harassing me and calling so much after she wouldnt give any information. I have proof of all the calls and voicemails. They also have called a family member. And prior have my information without my consent because I received mail from Lawyers that wanted to represent me. I didnt give anyone the consent to sell my information to a third-party. 
Thank you for your time. 

Warm regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: 1st Franklin Financial Corporation
State: MS
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I was wrongly sue by 1st Franklin. I did not get served. I went to the court house the and got information about and I was in uniform the day of court. I tried talking to your XXXX, Mississippi agents to resolve the problem.1st Franklin have a garnishment on my check. I submitted the requested documents and then they say they will not work with me. 1st Franklin broke the XXXX XXXX XXXX. 1st Franklin went against my rights as a military.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
All credit agencies have absolutely XXXX reason to help or fix an individuals credit report. Why would they care? They are looking for fraud, scams, and Companies to help. They lower your score is as an individual the higher rate you pay a creditor. They are all the same. Working together to insure job security! They are all a XXXX  joke. I call it like I see it. Its ALL a SCAM!! The CFPB are the same. They do nothing but forward and send emails. Should you really think any agency cares if a date, amount, inquiry is wrong on our little insignificant report. XXXX No!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
i submitted a total of 3 disputes with Equifax to investigate about a hard credit pull inquiry in my credit report that i did not authorize because that credit pull came from an identity theft incident i had. i was notified that my driver license account was accessed and my information was changed, so i had to block my account and be issued a new driver 's license. then i filed a police report as well as the FDC identity theft report. i submitted these two documents to Equifax in my dispute. but every time they come back with the result stating that the credit pull was valid and will stay in my credit report for 2 years. i even did a freeze on my credit report with them and a fraud alert as well. what more could i do to prove that i was a viction of identity theft? they did not investigate properly and rejected my dispute less than 24hr as if it was an automated process. so now i am filing a complaint about Equifax and their dispute investigation into my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my car was and its was reported by TDauto and closed account which made my credit score decrease by XXXX points!! I paid it off in full XX/XX/23

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2022-12-06
Company: Experian Information Solutions Inc.
State: MT
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian, XXXX, and XXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer. 

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. )

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Fed Loan Servicing has violated my rights : 15 U.S.C. 1681 Section 602 A. States I have the right to Privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

I was promised the late payments on all my Fed Loan Servicing accounts would be removed from credit report by a representative of this company because I am still in school. This company has violated my rights and have not honored their promised as agreed upon.

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 2023-05-03
Company: Garrison Investment Group
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Most recently on XX/XX/2023 I received a settlement offer for a large lump sum with Foundation Finance to resolve my loan/account. This was for a rather large lump sum and I replied back to that email requesting other payment plans/options on resolving my account. I work 2nd shift and a lot of 12 hour days, so free time during normal business hours are limited. I did not receive a reply for other amounts/options, so I emailed their account recovery specialist again on XX/XX/2023 asking for payment plans/options to be EMAILED since I do not have a lot of time for phone calls. XX/XX/2023 I had a voicemail/missed call from Foundation Finance after requesting email communication in my email on the XXXX of XXXX. I also had a missed call/voicemail on Monday XX/XX/2023 after requesting EMAIL communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Flagstar Bank, N.A.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We bought a house a couple years ago on XX/XX/XXXX. In the spring of XXXX we applied with our old lender XXXX XXXXXXXX XXXX XXXX XXXX XXXX, they informed us we could not remove the mortgage insurance for 2 years. THIS WAS NEVER DISCLOSED TO US WHEN WE BOUGHT THE HOME. They said we had to wait. Our mortgage was sold to Flagstar, we applied again in XXXX of XXXX. They mailed us the paper work, we filled it out, sent it back and paid {$100.00} for the the valuation of the home, which cleared our account on XX/XX/XXXX. They ordered a valuation via XXXX XXXX to remove the PMI, they called to set apt , then XXXX the agent no showed, we called XXXX cancel saying the Flagstar cancelled the inspection. We called Flagstar they blamed it on XXXXWe called XXXX and they new nothing about it. We have a case number with Flagstar XXXX. 
They took our money, did nothing and now not call us or helping out to figure out what is going on.

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 2018-05-15
Company: Coinbase, Inc.
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On the XX/XX/XXXX, I attempted to make a purchase of XXXX USD of  Ethereum on Coinbase. Coinbase rejected my purchase ( directly linked to my XXXX XXXX account ) due to " insufficient funds '' in my account. First, I did not have insufficient funds, but secondly, and MOST importantly, the XXXX USD was still withdrawn from my account by Coinbase in a wire transfer. I never received the Ethereum. 

Two days later, I called Coinbase and was immediately informed that this was a " glitch '' in their system. The customer service representative kindly informed me that Coinbase would wire me the full amount in 3-5 business days. After 6 business days, I called another representative, who informed me that because of issues with banks, the transfer will actually require 10 days. After day 11, I called again, and was informed that nothing has happened, but that " a case specialist '' is working on my case. 

I called back a day or two later, and they asked me for pictures proving that the money was actually withdrawn. After rendering the pictures, I was informed that I would be receiving the money very shortly. I called back a day later, and they informed me that after sending my pictures, the company had " escalated '' my case, but due to large volume of " new users, '' it might take some time. 

I finally called back on the XX/XX/XXXX, inquiring about my case. The customer service rep informed that there were no new notes, and that actually, a case gets " escalated '' the second that a rep and customer file it in the system. This is problematic, because it means that by submitting pictures of my account, nothing new actually happened, and it appears that I'm no closer to a resolution and a return of my XXXX XXXX. 

As of now, Coinbase has {$1000.00} of my money, without justification or purchase on my end.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have recently been garnished by a debt collection agency called XXXX XXXX  office via XXXX XXXX. XXXX Missouri. Tower loan is the original debtor. The debt had a COURT JUDGMENT XX/XX/XXXX TO TOWER LOAN TOTAL AMOUNT WAS XXXX. I DID NOT PAY THE JUDGMENT AND TOWER LOAN DID NOT GARNISH OR TAKE ME BACK TO COURT. IT IS XXXX. THAT IS 11 YEARS. THE DEBT IS NO LONGER ON MY CREDIT REPORT AND THE STATUE OF LIMITATIONS TO COLLECT THE DEBT HAS PASSED PER LAW. I RECEIVED PAPERS IN THE MAIL OF THIS FRAUDULENT GARNISHMENT AND THEY ADDED XXXX TO THE FINAL JUDGMENT FROM 11 YEARS AGO AND THEY SENT THE GARNISHMENT TO MY EMPLOYER BEFORE I RECEIVED IT GIVING ME NO CHANCE TO FIGHT IT. THEY ALTERED THE ORIGINAL JUDGMENT PAPERS FROM THE COURT OF 11 YEARS AGO. ALSO TOWER LOAN HAS BEEN DOING HARD INQUIRIES ON MY CREDIT REPORT XXXX SOFT INQUIRIES WITHOUT MY KNOWLEDGE OR PERMISSION. I HAVE BEEN GARNISHED TWICE ALREADY AND I AM HEAD OF HOUSEHOLD AND THIS IS TAKONG A FINANCIAL STRAIN AND EMOTIONAL STRESS AND I CANT PAY MY MONTHLY BILLS WITH THIS. I WOULD LIKE FOR THIS TO BE TAKEN CARE OF AS THEY HAVE BEEN SUED BY SEVERAL PEOPLE AND A CLASS ACTION LAWSUIT AS WELL. KNOW THEY ARE DOING THE SAME ILLEGAL THINGS TO ME.

Company response to consumer: Closed with explanation