BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-23
Company: Io, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that RECEIVABLES MANAGEMENT SYSTEMS would verify the debt. So I took it upon myself to ask RECEIVABLES MANAGEMENT SYSTEMS for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, INC.
State: MN
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 have previously disputed with XXXX, XXXX  and equifax on XX/XX/2021 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried to dispute this alleged debt with this company. Tower Loan refused to accept mail from me. I sent mail to the same address that they sent me mail from. Tower Loan continues to harass me about an alleged debt. Tower Loan continues to contact other people about this alleged debt. I am being harassed and I cant sleep at night. I am being emotionally abused. I have asked for documentary evidence of the alleged debt. None has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
I have never authorized anyone to make enquiries on my behalf, nor have I done it myself. From XX/XX/XXXX, until XX/XX/XXXX, I sent letters with entire attachments of my personal data and credit reports. However, the requests I made were purposefully ignored and denied, which I thought was unprofessional on the part of the Bureaus. This will be my final effort to ask for all paperwork to be given to me and issued. If my request is not complied with, the following unauthorised inquiries should be immediately removed : XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: FIRST NATIONAL BANK OF OMAHA
State: MT
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:
First National Bank of Omaha sent a debit card for my account to an old address and activated the card that was never eecieved by me. XXXX became aware my account was used for fraudulent purchases, stated that an investigation would take place and that someone would be contacting me with more information. I was never contacted and never reimbursed for the fraudulent activity.

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 monetary relief
Consumer complaint received 2020-01-22
Company: WELLS FARGO & COMPANY
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were set to purchase to sell our old home and purchase our new home on XX/XX/XXXX of last year with a loan from Wells Fargo. The bank had concluded that we had sufficient funds to close on the sale of our home, sufficient income to make our regularly monthly mortgage payments, and had repeated assurances that all of the documentation we had provided was sufficient for closing. 
We hired movers to help us move out of our home XX/XX/XXXX, and they would help us move into our new home XX/XX/XXXX. 
XX/XX/XXXX, as the movers finished clearing out the last pieces of furniture from our old home, we were notified by the bank that we did not have sufficient liquid assets in our accounts to be able to close. This money had nothing to do with funds used for closing. There simply had to be a minimum balance in our account to meet an undisclosed requirement from the bank. We now had less than 24 hours to find {$30000.00} to make up the difference. 
We managed to find it through a rapid liquidation of $ XXXX funds, but it took 48 hours, as banks have rules about moving around such large sums of money. We also could not delay the closing on our original home, lest that deal would fall through, because the buyers of our old home could not change the date of their closing.

We had already planned to spend two nights in a hotel, but that had to be extended for longer because of the bank 's last minute disclosure about additional assets needed. 
We moved the closing by 24 hours, per suggestion from the bank, but they did not meet the commitment to close after 24 hours had passed. They refused to give any timing updates, despite repeated requests through phone and email by both ourselves and the closing attorney. The underwriter did not even start reviewing the loan until after we had committed to close on the sale, which required the recording the closing to be pushed out another day. 
In the end, we managed to close on the home, and did not end up homeless, but it cost us a great deal of wire transfer fees, an additional night in a hotel, and a great deal of anxiety and throwing up over the stress. 
The bank opened an internal investigation and concluded they did nothing wrong. They stated they made an assumption by our original proposed sale price, but never revisited that, even after we notified them of what the sale price would be, which is where the discrepancy came. They also stated that we provided all documentation that was requested of us in a timely manner. 
So, if they did nothing wrong, and we did nothing wrong, what happened that everything went wrong? 
Worst of all, no one from the bank ever apologized. Not even once. 
I followed up with the person responsible for the internal investigation, but they never returned my phone call.

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 monetary relief
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On Wednesday XXXX XXXX I solid {$1900.00} worth of XXXX XXXX on coinbase. {$1800.00} of which should have went into my XXXX wallet on their site as cash. The remaining {$28.00} was their transaction fee. As of this complaint i still have not received the money from the sale. After opening a complaint ticket that has only been replied to with a non related automated response and the waiting a total of XXXX hours on hold over the course of 3 days I was informed the money was sent to a nonexistent address and I would just have to wait. This does n't make any sense I have executed several transactions before and after this incident exactly the same way and it was fine. The system only requires you to click the icon for you XXXX wallet and then select your XXXX wallet to execute a sale at no point are you required to enter any information. So the possibility of a data entry error on my end is absolutely 0 %. I have now been waiting 14 days for a remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2022 I wrote a check to a vendor for {$100.00} and mailed it though the XXXX. On XX/XX/XXXX I received an email from Wells Fargo that I had insufficient funds. I immediately logged on to my account and saw that the check in question was fraudulently changed from {$100.00} to {$2800.00} and the payee was changed to " XXXX XXXX. '' It is clear upon seeing the bank scans of the front and back of check that payee and amounts were " whited out and changed. '' I have attached pictures of said modified check. I have also made NO progress with Wells Fargo Bank when I immediately notified them of the problem. I have filed a complaint with the Pennsylvania XXXX Police - Case No XXXX Identify Theft - through the XXXX State Police , specifically XXXX XXXX who has been managing this case. The State Police contact is : XXXX XXXX XXXX, XXXX, PA 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 monetary relief
Consumer complaint received 2022-08-16
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the Equifax and XXXX credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my last effort to resolve this matter before I pursue to taking legal action.   This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validate of it and asked that the item be removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.     The company failed to satisfy validation requirements, and all the while kept on reporting the account on my credit report as though it was an accurate account with no disputes. This is a blatant violation of the Fair Debt Collection Practices Act

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-16
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
Hello, I am here to clarify my role when it comes to credit. As far as I am aware, I have the right to credit. I filled out an application with AMERICAN EXPRESS and I was denied my right to credit. This is a form of discrimination as clearly defined under the Equal credit opportunity act. My credit report was pulled without my consent, and under federal law credit scores are not a factor in the extension of credit. CFPB even put an article out stating that credit reporting was optional. So to proceed with adverse actions against me solely on my credit report is a violation of my rights and Discrimination. For the violations, a consumer may proceed to litigation and file a civil complaint for actual damages. This discrimination is a defamation of my character and my rights to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
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: Account information incorrect

Complaint:
Equifax and XXXX  should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
I was in a automobile accident in XX/XX/2013, in a company car and it wasn't my fault the insurance of the other motorist was to pay this bill after it was determine that it wasn't my fault but the hospital after over 5 years still trying to collect this debt from me, this is not mine debt to pay and the statue of limitations in California is 4 years, this needs to be remove of my credit report immediately, also it shows on my wife credit report and she wasn't even in the car at the time of the accident. Company name is : XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: EQUIFAX, INC.
State: NY
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 have repeatedly disputed and requested verification and validation of the debts listed below for over two years now. Equifax has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. 
During this time, I have experienced the adverse results of your erroneous reporting, including denial of credit and housing, reduction and closure of credit lines, loss of property, near foreclosure, incurrence of usury interest charges, and emotional distress. To properly validate a debt by law, Equifax must provide me with a copy of the original contract signed by and obligating me to this debt. If Equifax can not provide such proof of debt validity, the account must be deleted form my report. Equifax has negligently and willfully failed to properly investigate the disputed debts, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

Acct Name Acct # Status XXXX XXXX XXXX Not Validated XXXX XXXX XXXX XXXX XXXX XXXX Not Validated XXXX XXXX XXXX Not Validated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Paid off my principle in full and now the mortgage company keep after me for me to sell off my home. I've not asked for a pay-off. They are doing everything on their own including force pay off amounts made for 25 % total sell of home stating that the amount they should receive is over {$57000.00} or I need to make arrangements to pay them this amount??? It sounds like a threat to myself and others who is aware of this on going problem now for greater than several years. It appears this company has no consideration for moral / legal business practice or consideration for what emotional or physical problems they might be creating or contributing to based on unnecessary stress. I'm XXXX  and on a fixed income and doing the best I can with what I have. It's the same mortgage company but the name and hands has changed maybe three times over the 15-20 years. I requesting assistance asap. I'm upset with this continued abuse and seeking help at this time. I've reached out many times and because they out source no one seems to be able to assist. They seem to do as they please. Treating folks like they have NO rights. Thank you for any help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
There is someone using my credit information to apply for multiple credit lines and it is placing hard inquiries on my credit report. 
These inquires do not belong to me ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX rXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: Experian Information Solutions Inc.
State: IL
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 heck 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 severe XXXX 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 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 2022-08-16
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2017-06-02
Company: EQUIFAX, INC.
State: GA
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 recently received a copy of my credit report. The credit report showed credit inquires that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. They are included in the upload. Only the ones highlighted in Orange are the ones I did not authorized.

Company response to consumer: Closed with explanation