BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-16
Company: Weinberg Mediation Group LLC
State: AK
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Multiple automated calls from " Weinberg Mediation Group '' since XX/XX/XXXX claiming of taking legal action against me with no reference to what the actual case was and no option to speak to a representative. 

On XX/XX/XXXX I awoke to an automated call at XXXX. Agitated, I called back and spoke to a representative. They told me they were calling to collect on a debt I had. I informed them that they were in violation of the Fair Debt Collections Practices Act. They replied it should be XXXX where I lived and I told them that was incorrect and that I live in Alaska. They attempted to defend their automated call by claiming they have an Arizona phone number and address on file for me. I told them that was irrelevant because my new address is publicly available via credit report and it 's their responsibility to verify information prior to calling to ensure that they 're not in violation of the law. Representative claimed to take note that I lived in Alaska and I ended the call. 

On XX/XX/XXXX, I received yet another automated call prior to XXXX, XXXX XXXX to be exact. Called the number back and attempted to abrasively tell them that it was the second time they were in violation of FDCPA and if it happened a 3rd time I would pursue whatever action I could for them being in violation of the law and harassing me. The representative proceeded to talk over me eventually stating that he was " was moving forward with the case against me '', " good luck '', and proceeded to hang up on me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: ID Analytics, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached my SS Card and DL for proof of ID. I HAVE A UNRECOGNIZED THATINQUIRES HAVE REQUESTED REMOVED DUE TO FRAUD RELATED ISSUES IN THE PASSEDI RECENTLY HAD A FREEZE NOT TO LONG ALONG SO NOT SURE HOW I GOT A INQUIREFROM XXXX  XXXX XXXX XXXX ON XXXX. PLEASE DELETE THISINQUIRES. I HAVE NEVER HAD A XXXX  XXXX ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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:
Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information. I m disappointed! I dont know how to delete it from my name

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 2019-02-14
Company: Experian Information Solutions Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On on around XX/XX/2018, I contacted XXXX XXXX bank to inquire about the balance on the account. I received a payoff statement in XX/XX/2018 stating that my balance was XXXX. I informed XXXX XXXX bank that I am refinancing my home, and the payoff will be sent by the title company of the entire balance of XXXX. On XX/XX/XXXX, a check in the amount of XXXX was sent to XXXX XXXX bank. When I contacted XXXX XXXX bank in XX/XX/2018, they stated that I still owed a small balance of XXXX dollars. I paid the XXXX dollars. I received information from the credit bureaus stating that I am 30 days late in XXXX on a card that was paid off in XXXX. The card was closed, so how can I be late on something that was closed. When I contacted XXXX  XXXX Bank on or around XX/XX/2018, I spoke to a representative name XXXX who stated that the supervisors were going to take care of the error and report the account current because she was able to verify the account was paid in full in XX/XX/2018 when the check was received.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : 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 non-monetary relief
Consumer complaint received 2017-10-15
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Wells Fargo denied my credit card application because I didnt have a green card ( I have a work visa ) The  requirement of having a green card was not disclosed to me before doing a hard credit pull. My credit score was negatively affected as a result. 

All lenders must disclose whether having a lawful permanent residence is a prerequisite for loans or credit cards. This is just common courtesy that is absent from the US financial system

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 2020-06-07
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
EXPERIAN* XX/XX/2019 {$430.00} CONSUMER ADJUSTMENT 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 2018-01-16
Company: Experian Information Solutions 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:
cra violation inquires that are not sent police report and id theft gov Inquirer Name inquires pulled twice by the same company within 30days why? 
Inquiry Date Removal Date Business Type Contact Information XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific XXXX XXXX XXXX XXXX, AL XXXX BYMAILONLY XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX not mine idtheft victim

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 2017-10-18
Company: Big Picture Loans, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I am trying to pay this loan off as Details were very misleading when applying. I pay {$300.00} plus dollars a momth and I have paid less than {$50.00} to the original loan amount. When trying to pay what they deem the payoff amount I can not make payment nor reach someone in customer service. While all along interest accrues daily. This was by far XXXX of the worst financial moves I have ever made. There are hundreds of complaints against this company. I would like to pay off this loan and NEVER hear from this crooked thieving company again. I have lost my childs medical insurance. Had utilities turned off, all due to the financial strain this bogus loan has caused me. They are the worst kind of predators I have encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I added {$60.00} to my Coinbase account on XX/XX/XXXX and today is XX/XX/XXXX and my money has not been added yet, it still shows pending. Theres no valid telephone number to call this company and they only respond back with general information not about ; where is my money. This company is a scam and should be shutdown. How do you have a $ XXXX company and no contact number nor any type of customer service? Clearly a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-23
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I had an unauthorized payment sent from my cash app account for XXXX XXXX on XX/XX/2021 {$880.00} I tried to handle with the cash support people but never did they answer me anything about how to handle this situation. I did not do this payment, I do not know this person and never would I have sent money too. 
I tried XXXX times to submit a request about it and still can not recover my money back. I had even requested a refund and didnt not it anything Reportes it on XX/XX/2021 and again on XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: BARCLAYS BANK DELAWARE
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED FOR SOMETHING THAT I DID NOT AUTHORIZE ON MY BARCLAY XXXX CARD FOR XXXX. CARD ENDING IN XXXX. MY HUSBAND AND I WROTE A LETTER TO THE CREDIT CARD COMPANY AS SOON AS WE SAW THIS CHARGE ON OUR STATEMENT IN XXXX AND REPORTED IT. THEY PUT THE CREDIT ON OUR CARD AND THEN TOOK IT BACK. THIS HAS BEEN AN ONGOING PROCESS WITH THEM. I HAVE REACHED OUT TO THEM AND THEY WERE VERY NASTY TO MY HUSBAND AND I AND SAID THAT WE WERE TOO OLD TO REMEMBER WHAT WE DID, THAT WAS SO UNCALLED FOR WHAT THEY SAID TO ME. WE HAVE BEEN GOING THROUGH THIS SINCE XXXX AND ITS STILL GOING ON. MY HUSBAND IS NOW XXXX AND IM SICK MYSELF WITH XXXX. PLEASE HELP ME TO GET MY MONEY BACK.

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 2018-01-23
Company: AFNI INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this is a fraudulent account att already gave me credit and cancelled the account do to fraud ... i have a letter from XXXX clearing me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We were granted Forbearance on our mortgage payment for the month of XXXX 2016 because were declared a national disaster area by FEMA. That mortgage company sold our loan the same month to a different mortgage company and said they would " reach out to us to discuss payment of the missed XX/XX/XXXX installment ''. No one ever did. 
The new mortgage company, Cardinal, does not seem to recognize this. They have sent us past due letters and I have called their customer service many times to try and get it straightened out. 
I will be attaching a timeline of all of our payments and the confirmation numbers and dates. I also have itemized with whom we spoke, where and what time. The last call being to a supervisor named XXXX who said he would look into it and get back to us. He did not. We are receiving past due 2 months letters, and yesterday a phone call to my wife that they are reporting it to the credit bureau. Plus a letter just came saying they are going to take our house away. 
A complete timeline of my efforts is attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I started this process in XXXX when I pulled my credit report and seen all of the student loans listed. Some to XXXX and some to Department of Ed with incorrect balances and incorrect late payments. I started on my journey of trying to get those corrected and disputed with the credit bureau and has been unable to get any assistance the accounts just come back as verified. I contacted both the department of ed and XXXX and I have yet to hear back. All of my loans were closed and refinanced in XXXX of 2017 into one loan. I was in school off and on through the years getting my degrees and never was our of deferment due to being in school. I have been unable to get any feedback on those late payments for XXXX when I was in school before my loan was sold. The Department of ED shows I have XXXX accounts with the same account number of XXXX and XXXX with account number XXXX. Some of which show a balance which they should not because all of my loans were consolidated. They all show different open dates even though they were transferred from XXXX at the same time. All of the accounts listed under XXXX show a balance of XXXX and the account numbers with XXXX show a balance of XXXX. I reviewed all accounts with XXXX and I have only ever had one account with an amount of {$5200.00} and only one with {$3100.00}. I am not sure what is going on. they still show balances. Show charged off with balances even though I looked on the XXXX and all of my loans are through XXXX XXXX now. Even though they show charge off they also reported a 120 day late for XXXX of 2017 even though they were sold at that time. This is all confusing and I have gotten no where with getting any of this fixed. No help from the credit bureaus or the company or the ombudsman from the company. I have yet to hear back on any of my disputes on these issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Wells Fargo sent an email out today on XX/XX/2022, around XXXX pm sent a notice of reversal of temporary credits to accounts that received stimulus payment through the child tax credit. Now because I receive SSDI I automatically pay every overdraft fee as soon as the deposit hits... so now Wells Fargo is basically trying to double dip in payments and claim that they paid all the overdraft fees when I have the evidence through my statements that I paid every overdraft with my direct deposit. 

Now as I am trying to get myself finances together now you see that I am going to be hit with a huge overdraft fee that will then consume all my benefits. I have all my bank statements and am looking for assistance now for a class action case because I know I am not the only one.

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 2017-10-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I woman of flesh have mailed certified letters to all 3 credit bureaus an collection agencies to remove all negativity off my record cause by constitutional laws I did not give authority for these 3 credit bureaus to establish no account an by record my custodian parents did not authorize either. I have ask twice to remove everything from my record an they have failed to do so..i have paperwork I sent an also RECORED calls to all 3 bureaus. So I 'm coming to you as a natural person not no US CITIZEN but original human to please clear my record clean an free from all neccesaties on my credit report making me drown in slave debt wen I 'm the bank an XXXX the debtor. So for the one 's who sold my information to these collection agencies to collect a debt is in fraud, defamation of character, identity theft. Amendment 14 is  powerful an the fakes agencies playing against laws so this will be my last time trying to fix this. 30 days from today of this complaint with no action I will proceed forward with federal law suit. Thank You, sincerely, 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 2019-02-14
Company: EQUIFAX, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. XXXX XXXX, XXXX  XXXX   XXXX, XXXX XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report. 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 2018-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Trans Union, XXXX and XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

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 2022-01-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Card was charged for something you did not purchase with the card

Complaint:
I am writing to dispute a charge of {$15000.00} to my debit card linked to my checking account initiated on XX/XX/2021. I have never purchased anything form the merchant, XXXX, and have never given them my information, nor signed any contract authorizing the repeated transactions. I have no idea how they obtained my information, or managed to continually charge my card. 

Over a course of about 3 months, from XX/XX/2021 - XX/XX/2021, XXXX charged my card XXXX different occasions for varying amounts ranging from {$250.00} - {$2000.00}, along with associated international transaction fees. 

I did not approve any of these transactions and reported them to Bank of America Fraud Disputes who have ignored my disputes and claims. 

I have contacted both parties involved multiple times. I have not received any return calls or emails from the fraudulent merchant. I have cooperated with the investigation set forth by Bank of America and they continue to fail to pursue the fraudulent merchant.

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 2020-05-04
Company: Early Warning Services, LLC
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: Public record information inaccurate

Complaint:
Im having trouble opening an account due to being a victim of fraud. Someone I didnt know deposited and withdrew money and caused my account to close and I wasnt aware of the situation around last year, I talked to the bank and they said I have to clear it off my record. If you could please help me with cleaning my record to be able to open an account I would highly appreciate your support, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-16
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I keep getting calls from Navient for a person I do n't know in reference to another person I do n't know. Three times at least I have returned the calls and told them they have the wrong number, that I 've had this phone number for almost ten years, and each time they promise to remove it from the account, but they do n't. I 've tried XXXX the name they ask for, but the only one I can find in the area XXXX years ago.

Company response to consumer: Closed with explanation