BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-06
Company: Bass & Associates, P.C., Attorneys at Law
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I ATTENDED XXXX XXXX COLLEGE IN XXXX XXXX ON XX/XX/XXXX & TOOK OUT A {$11000.00} STUDENT LOAN. IT SHOULD HAVE BEEN FALLEN OFF BECAUSE THE STATUTE OFCOLLECTING IS 7 YEARS AND BASS & ASSOCIATES COLLECTION AGENCY HAS BEEN CALLING MY CELL AND PREVIOUS WORK PLACES TELLING THEM I HAVE FINANCIAL ISSUES WITH THEM. I FILED BANKRUPTCY BEFORE AND THIS STUDENT LOAN WAS INCLUDED IN THE FILING. AM A SINGLE MOM AND IN A TIGHT BUDGET. SINCE XX/XX/XXXX MY INCOME TAX REFUNDS HAVE BEEN OFFSET AND I NEEDED THOSE REFUNDS TO PAY FOR MY RENTAL APARTMENTS, BILLS, AND CHILRENS EXPENSES. BASS & ASSOCIATED # XXXX ) XXXX ADDRESS IS XX/XX/XXXXXXXX XXXX, AZ XXXX. NOW MY TOTAL OWED ACCELERATED TO {$59000.00} AS OF XX/XX/XXXX VERSES MY ORIGINAL LOAN OF {$11000.00}. MY INCOME TAX OFFSETS SINCE XXXX SHOULD HAVE BEEN MORE THAN ENOUGH TO PAY OFF MY STUDENT LOAN OWED. PLEASE HELP ME LIFT OFF MY IRS OFFSET OF MY REFUNDS AND I DEMAND THAT THOSE REFUNDS BE PAID TO ME SINCE XXXX. XXXX INCOME TAX FILING IS ON HOLD FOR FILING BY XXXX XXXX UNTIL THIS OFFSET IS LIFTED AND NO LONGER IN MY SOCIAL SECURITY COLLECTIONS. THANK YOU VERY MUCH

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: AMERICAN HONDA FINANCE CORP
State: MO
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:
I had a lease with Acura Financial Services from XX/XX/XXXX-XX/XX/XXXX. I purchased the vehicle from Acura Financial Services in XX/XX/XXXX. I received a bill from Acura Financial Services in XX/XX/XXXX/XX/XX/XXXX for personal property taxes paid for XX/XX/XXXX to XXXX XXXX City in the amount of {$750.00}. 

I lived in XXXX XXXX City in XXXX when I leased the vehicle and moved to XXXX XXXX County in XX/XX/XXXX, which are different taxing authorities. I notified Acura Financial Services of the move and they accurately reflected my address in XXXX XXXX County and sent me correspondence at the XXXX XXXX County address for the remainder of XX/XX/XXXX and XX/XX/XXXX. Taxes were not payable to XXXX XXXX City for XX/XX/XXXX as I did not reside in XXXX XXXX City at anytime during XX/XX/XXXX. 

Upon receipt of the bill, I contacted Acura Financial Services and discussed the issue with them. At that time I was asked to send documentation of my move. I sent them the requested information, although they had been previously notified of the move. A couple months later I started receiving collection calls from XXXX. I contacted Acura Financial Services and they said they would pull the credit from XXXX and work with XXXX XXXX City to obtain a refund of the taxes incorrectly paid. In XX/XX/XXXX/XX/XX/XXXX I started receiving calls again from XXXX. I called XXXX and they told me that my account had a {$0.00} balance. They began calling again within a couple weeks and I called them back and I explained to them the issues. At this time they notified me that they are reporting this matter to the credit bureau. I contacted Acura Financial Services again and they told me they have no record of an amount due. I have fully exhausted my efforts with Acura Financial Services and XXXX and neither are able to assist me as they each tell me to the contact the other. 

My credit score is 820+ and I pay my bills. XXXX or Acura Financial Services is  incorrectly reporting this issue and it is affecting my otherwise excellent credit score. This is not a bill I owe and it is Acura Financial Services responsibility to obtain the refund from XXXX XXXX City. I was never late to Acura Financial Services in the 3 years that I leased the vehicle from them. I request that my credit reporting be immediately fixed and it properly show that I do not have an outstanding amount and that no payment was ever late. 

Attached is the Utility Service Request for utilities at XXXX XXXX, XXXX XXXX, MO XXXX, which is located in XXXX XXXX County dated XX/XX/XXXX, the date I purchased/closed on the house. Also attached is the first page of the HUD dated XX/XX/XXXX showing I sold the house located at XXXX XXXX, XXXX XXXX, MO XXXX, which is located in XXXX XXXX City.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
hard inquire on my Transunion credit report from XXXX XXXX on XX/XX/2023

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 2022-04-15
Company: Recovery One, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, 2021 ( 1 yr, 2 mos ) Account status Open Type Unpaid Responsibility Individual Account. 
Remarks Collection account Original Creditor Name XXXXXXXX XXXX XXXX XXXX XXXX {$290.00} Closed No Info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14
Company: Debt Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had medicaid and they keep sending me letters and i called and told them i had medicaid and XXXX XXXX XXXX any time i went to dr or hospital, so maybe someone else used my identity and didnt have my medicaid info, ,and i am getting charged,,, ,my sister and i were close in age she is deceased now but had to go to hospital alot ... .she died from XXXX last year but she may have went as me,,, not saying for sure but i should not be responsible when i had gov insurance to pay it,,,,,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
It came to my attention that FINANCIAL CREDIT NETWORK # XXXX in the amount of {$120.00} on XXXX 2016 has been reported that I owed. I have disputed this alleged debt that I have no knowledge and contract with XXXX. This report has harmed me and damaged my ability to obtain credit. I was never notified by XXXX about this alleged debt reported in error and inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo closed my case and account after {$13000.00} was taken from my account and they have three different ways it was taken from my account and will not open the case I didn't authorize this

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 2019-06-06
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Carrington Mortgage Services Approved a short sale by notification dated XX/XX/XXXX. The approval waived any deficiency amounts. Carrington then referred the deficiency to a collection agency, which mailed notices to the old address where I do not receive bills from Carrington and they are attempting to collect the deficiency. A letter from the collection agency, XXXX, was received on XX/XX/XXXX, dated XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: Bread Financial Holdings, Inc.
State: FL
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 have inquiries repeatedly reporting on my credit report from Comenity Bank XX/XX/XXXX on my XX/XX/XXXX Credit file and I never authorized or applied for credit with that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 my credit report on XX/XX/2023 and notice there were hard inquires that don't have permissible purpose to be on there these hard inquires are hurting me for getting approved. 
i already reached out to the credit bureaus about this they keep violating my rights under 15usc1681b these hard inquires that don't have no purpose to be on my credit report.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2022-10-05
Company: Foris DAX, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have been allowed to deposit funds into the Crypto.com app freely using my bank card. However, when attempting to make a small withdrawal I have been hit with the " plaid '' app red tape. In order to withdraw they are asking for information which does not exist. I do NOT have an online bank account and that is the ONLY means by which they are allowing withdrawals. Refusing to allow me to use my routing and account number or the very card I used to deposit funds into the app. They also refuse to allow withdrawals to XXXX which would be just as simple and make MY money accessible. And I am now being told that I am not going to be given access to my funds if I don't have an online bank account which was NEVER disclosed in any way prior to now. This feels like a fraudulent app to me under these circumstances. As it stands there is NO means of adding any information into my profile that will make retrieving my money possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
the company is a debt buyer.XXXX XXXX in 2015 they purchased an account from XXXX XXXX. the account XXXX XXXX was fraudulently obtained by identity theft and the XXXX account has subsequently been removes from my credit report However XXXX XXXX Remains. I explained to XXXX XXXX i reported this to the ftc, multiple disputes with XXXX and XXXX only one dispute with XXXX  and it was removed with XXXX it still remains with XXXX and XXXX who agree the dispute is valid yet it still remains. If the originating account has been proved fraud and removed how is not the debt buyer of the fraudulent account. This is affecting every aspect of my life in a very bad way. It is unfair i feel as though they are strong-arming me. Again when the originating debt is proved fraudulent how is not this fraudulent as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
I wasn't able to get investigation results regarding my dispute for these accounts despite of several letters I sent to the credit bureaus. 
XXXX Account # : XXXX | XXXX  Account # : XXXX | XXXX  XXXX XXXX  Account # : XXXX | XXXX XXXX Account XXXX : XXXX | XXXX  XXXX  Account # : 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 2019-06-06
Company: SYNCHRONY FINANCIAL
State: KS
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 noticed on XXXX  Report that i have a hard inquiry from Syncb, National Credit Cards/Airlines, on XX/XX/2019 that i did not authorize. In no way would I have applied for any credit with this company.

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 2023-03-07
Company: Experian Information Solutions Inc.
State: NJ
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: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-08-01
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:
XX/XX/2020 was reported as a late payment. I sent a certified letter via USPS to the creditor and received a response back stating the information reported was valid and no further action required. The information reported was inaccurate. The customer service rep stated that It as reported as late but they had no explaination for the late payment. I as told that this payment was report as late for something that an paid over 3-4 years ago. I asked for a payment statement and it shows I have not missed any payments in the last 2 years

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 2018-05-14
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have student loan with Navient and been trying to either lower my payments are get into a program that can help me pay off my loan and couldnt get no progress

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: Automated Collection Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Automated Collection Services, P O Box XXXX, XXXX, TN XXXX XXXX Account # : XXXX has placed on my credit report a bill for {$680.00} that I do not owe. Bill was for XXXX I suffered committed by XXXX, Tennessee, XXXX Department XXXX on XX/XX/2018. I was XXXX, XXXX to contain, medicated, XXXX and taken to a local area hospital inside XXXX, Tennessee. At the onset of the XXXX these XXXX  ' services were unwanted and not needed. 

I do not owe this bill. The city of XXXX, Tennessee should be compensating me for injuries I sustained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reached out to the bureaus on XX/XX/2020 and I haven't received any type of indication/notification of the investigation being worked on. I feel like i'm being taken advantage of at this point. I notice according to the FCRA these inaccurate unverifiable items must be deleted immediately. It's been well over 30 days I just want these problems resolved.

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 2023-08-16
Company: EQUIFAX, INC.
State: TX
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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-16
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Late night XXXX XXXX morning XX/XX/2021 there was an unauthorized transaction in my XXXX account. All of my XXXX ( around {$17000.00} usd ) was converted to XXXX XXXX and then was being transferred to an account I did not recognize. I cancelled the transfer and converted the XXXX XXXX back to XXXX. I had to pay XXXX fees for the unauthorized conversion and to convert back and I lost money due to a change in the currency values. My total loss for this unauthorized transaction is around {$500.00}. I reported this to XXXX and they have since locked my account. They keep sending the same message over and over please complete the following steps to restore access to your account. I follow the steps but they will not restore access and they have no live customer service via phone/email/chat. XXXX weeks later Im still locked out of my account. Ive included an attachment to show the only communication Ive received is the same email over and over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been trying to remove my fraud alert with these agencies, however they have not removed it, please remove my fraud alert from my credit report and security freezes if any. 
A copy of my Drivers licence, social security and utility bill is attach to proof my identity, thank you.

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 2021-08-09
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX charge of {$81.00} for XXXX XXXX XXXX was made to my account. The charge never went through and had to pay XXXX XXXX XXXX in XXXX, NC {$81.00} in cash because the charge never completely processed and is still pending. Wells Fargo refuses to cancel the pending transaction. I need this resolved without me having to seek legal representation and file a lawsuit against Wells Fargo. As soon as my money is returned to me, I will be CLOSING my Wells Fargo account. They are a sorry XXXX XXXX XXXX company.

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