BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-14
Company: Midwest Recovery Systems
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:
I never received any correspondence by mail or email about such debt. I am entitled to be notified prior to placing anything on my credit report. I am unaware of such debt and I was unable to request validation of debt of such debt prior to reporting on my credit report which is required by law if I choose to do so. Unfortunately, I was not given that option. 

MIDWEST RECOVERY SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/18 Dear MIDWEST RECOVERY SYSTEMS XXXX : XXXX After viewing a copy of my credit report, I noticed a collection account placed on my credit from Midwest Recovery Systems. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed break down of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 

Please provide breakdown of fees including any collection costs and medical charges. 
Provide a copy of my signature with the provider of service to release my medical information to you. 
Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 

Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agent. I will await your reply with above requested proof. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Fay Servicing, LLC
State: OR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Awarded property in Divorce. Trying to refinance eight years since XX/XX/XXXX. 
Ex husband a Sheriff placed " cease & desist '' with Fay Servicing. XXXX. XXXX ... to stop this firm dealing with myself. Judge in Oregon awarded property to my son and I. We have lived here, custom built home, 11 years. Sheriff 's Dept seized once. XX/XX/XXXX. I hired lawyer. Sheriff 's Dept trying to seize again XX/XX/XXXX ... .. FORTY THREE DAYS. 

LOOKING AT FBI, or lawsuit perhaps. Fay Servicing will not return calls, emails, XXXX. Sent direct message to CEO today. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Bread Financial Holdings, Inc.
State: AZ
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:
Comenity Bank XXXX XXXX is showing as a negative account on my credit report. Please correct this account immediately as it is currently harming my credit. Notes indicate this was included in XXXX XXXX erroneously.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23
Company: WELLS FARGO & COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I made a purchase at XXXX and had a disagreement with manager policy and called XXXXXXXX XXXX XXXXXXXX XXXX to get purchase freeze until I can return phone card back to them. 

The person in Departemnt which I asked to do refused saying this was the companies XXXX XXXX policy to so. 

so with this being the case I would like and investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been reaching out to Coinbase for 5 years now! In 2016 I had my account deleted they said I had violated a the user agree but never once explained what I did that was in violation. After I received that notice they said I would be able to withdrawal my funds and take them off Coinbase. The next time I had tried to log into my account it was deleted. I believe I have roughly XXXX in the account now. I explained my situation to them many times over the years and I requested an explanation for why my account was deleted and an account statement of all transactions for that account. Two reasonable things I believe I should be entitled too. I just got a response back last week and the completely ignored the fact that I need help logging back into my account to get my funds. And they never gave me an explanation as to why I had my account deleted or provided an account statement, however they did mention my funds were safe. I followed up about 3 times since and again unresponsive. 
I really just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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 loaned a vehicle from XXXX back on XX/XX/2019. The dealership requested Infiniti Financial Services to run a hard inquiry on that day on my credit, which I approved, and I got my car. On XX/XX/2019, when the car was already in my possession, unknown to me, the dealership run another hard inquiry on my credit, which I did not approve. I realized of the mistake a couple of days later and immediately contacted both the dealership and Infiniti Financial Services to remove the unauthorized hard inquiry of XX/XX/XXXX from my credit. Since XXXX, I have been calling XXXX every week to solve this issue. They recognized their mistake and kept telling me that they sent a request to XXXX  to remove the hard inquiry from my credit. They told me that it would have been removed in 90 days. After the 90 days, I contacted XXXX  and they told me that they did not receive any request from XXXX. I asked XXXX first to re-send the letter to XXXX and second to send me a letter stating that they sent this request to XXXX. After a couple of weeks, I contacted XXXX again to check if this time they received the request from XXXX and again nothing. I asked if I could send them directly the letter that XXXX sent me and they told me that the only entity that can remove the hard inquiry is XXXX. I feel trapped in an endless circle because XXXX keeps saying that they sent the request and XXXX  keeps not receiving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Whenever I apply for credit and I get denied the reason for denial comes up as Serious Deliquency on all of my credit reports. I have been current on all of my accounts and have never been delinquent. This has been an ongoing issue for many years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XXXX XXXX, XXXX I applied for and was approved for a XXXX Reward XXXX from Chase. I called them and informed them that I was recieveing the wrong promotion. I told Chase I could email the promotion to them. On XXXX XXXX, XXXX I was sent a letter that stated that could not receive the promotion from the email. I called Chase on XXXX XXXX, XXXX asking from the promotion that was offered. The Chase representative informed me that I would need to accept the lesser. I informed Chase that I would have not even applied for the card if I would have known I was getting the lesser promotion. I asked Chase to close the account. I do not understand why they would send me emails with better promotions and then grant something of lesser value.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: First Investors Servicing Corporation, Atlanta, GA Branch
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:
On XXXX/XXXX/2017 First Investors Financing made an unauthorized inquiry on my credit report without my consent. I have contacted them on numerous occasions by mail and phone to remove the inquiry to no success.

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 2017-12-15
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The XXXX XXXX XXXX XXXX  XXXX credit card account : XXXX is lost/stolen, and all of the charges/transactions are fraudulent and unauthorized. The following hard inquiries are fraudulent and unauthorized : 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 2019-06-14
Company: CITIBANK, N.A.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Soon after getting the card, I lost my job. So i did indeed miss payments as well as had a returned payment but I called and notified the company at all times and even when each payment was due, they said it would be ok as long as I make a payment as soon as possible ... which I did. Ever since I gained employment again I have been making payments on time as well as paying well above the minimum payment ( to avoid the card being closed as I am trying to fix my credit ). I called XX/XX/2019 at XXXX and spoke with XXXX from South Dakota ( she was not willing to give me any other information ). She was rude and condescending.. had me on hold for 30 mins and came back to the line and said I would have to call back tomorrow. I called back XX/XX/2019 and spoke with XXXX in KY from team 5 ( she would not give anymore information ) and my account was closed and she said there was nothing she could do! Apparently this company is in the business of taking peoples money and then closing their accounts! Ive never heard of such a thing. Especially for a customer that is trying to do the right thing. I feel as if I am being punished for trying to be a good customer, which is unacceptable. If they were going to close the account, they should have did it when I was MISSING my payments, not MAKING THEM! On XX/XX/2019 two payments were taken out of my account, one for {$150.00} and one for {$250.00}. Not only did they not make the funds available but they then proceeded to close the account, which is mind baffling to me. When I called to ask for explanations I just kept getting transferred finally for someone to claim there was nothing they can do. I WILL NOT RECOMMEND THIS COMPANY TO ANYBODY AND I WILL BE FILING A COMPLAINT WITH THE 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 2019-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Please remove these inquiries XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 

Also I need to update my XXXX XXXX bill I paid XXXX but its not on the report. I will attach all information I already have a XXXX XXXX card i didn't apply for a 2nd one and the others I have no clue. Im looking for a mortgage but these are not mortages. Please dont add a fraud alert it doesnt help anyway. I need to get a mortgage so I dont want a fraud alert. Please I dont know whats going on. Please remove these 4 inquiries and update my XXXX XXXX balance to 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 2019-06-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
on or about XX/XX/XXXX I called the mortgage department at Wells Fargo and asked if I could get the HUD RISK-BASE MTG INS PAYMENT waived since I was {$2000.00} from the {$110000.00} amount to have it removed. I was polite and listened to the lady tell me NO. Here is my complaint and believe me when I say, PEOPLE truly do not like Wells Fargo and their Business practices. I have been talking with a lot of unhappy customers. We have had our loan with Wells Fargo since 2012. Wells Fargo PURCHASED our loan and the we were told we had to pay a HUD RISK INS PREMIUM. WE have NEVER had to pay this before. I was told at that time when my loan got to {$11000.00} that it would be removed or if we had NO LATE fees for 5 years and we were in good standing. WELL we have only had 1 late payment in 7 years of owning this home and that was right at the beginning of 2012. SINCE then I have either paid more than the monthly amount and NEVER BEEN LATE. The lady told me it was 80 % of my loan, while the loan I got was for $ XXXX so that would mean at {$120000.00} I would have this {$110.00} REMOVE. I am very disappointed and distraught that Wells Fargo continues to harm us as a consumer, who is paying their loan on time and more than the required amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-12
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: Personal information incorrect

Complaint:
Pursuant 15 U.S.C Sec 1681a ( 3 ) Identity Theft and ( 4 ) Identity Theft Report. 
Having inaccurate addresses and with the amount of identity theft going on, I'm very fearful that someone could mistakenly identify me as someone else with this incorrect information on my credit report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S postal office, and they are not reportable as per the FCRA since they are inaccurate. 
Pursuant 15 U.S. Code 1681b - Permissible purpose of consumer reports. 
( a ) In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I XXXX XXXX XXXX never gave XXXX, or Transunion any written consent to report these inaccurate old addresses on my consumer report, No consent is Identity Theft.

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 2018-03-14
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX I was contacted by XXXX XXXX of XXXX. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX Fl. XXXX. At the time of phone contact I was beginning the process of discharge with XXXX. XXXX. My daughter receives federal SS XXXX as she is permentanly XXXX. XXXX indicated she knew of my situation and she worked as an agent for 1 ) XXXX the lender.2 ) The US Department of Education . She represented that the ONLY way to receive a discharge was to FIRST consolidate the loans. I subsequently received a federal form via email that had filled out by XXXX. I signed electronically and forwarded to the US Department of education. In XX/XX/XXXX Great Lakes loan servicing XXXX XXXX XXXX, XXXX Wisconsin XXXX allegedly sent me t a form via email that was the autorization to consolidate and select them as servicer. I DID NOT SIGN because I did not see it in my emails. When I received a statement from Great Lakes in XXXX. I called and was informed that I was now ineligible to apply for a discharge BECAUSE of the consolidation. When I explained I had not signed the autorization and would not have if I knew of the inelligibility to file a discharge Great Lakes indicated that because I DID NOT SIGN they were automatically selected and the consolidation completed and could not be reversed. I called XXXX and asked her how this could be. She was silent. I asked who paid you? She said the lender. I spoke to XXXX  ( XXXX XXXX the lender they stated no they do not pay third parties. I allege that XXXX was paid by Great Lakes and is running a criminal kickback and fraud. Why is Great Lakes permitted to assume servicing absent an affirmative autorization from me? I have been unjustly denied the right to apply for a discharge because of XXXX and Great Lakes. I have filed with the FTC and the US department of education. This requires investigation. XXXX on her web site claims the lender pays. She claims 15,000 satisfied students. She lied, misrepresented and should be held accountable.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sincerely implore you to take immediate and decisive action to remove the unauthorized inquiry from my credit report without any further delay.

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 2019-06-14
Company: EQUIFAX, INC.
State: TX
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:
XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX   XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX   XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX   XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX. 


I contacted XXXX  and their consumer service will not help me at all with this issue,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-14
Company: Real Time Group, Inc.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Real Time Resolutions , Inc. claims to be my mortgage servicer on a 2nd HELOC loan dated XXXX. They have given me a foreclosure notice by way of XXXX and XXXX 's XXXX XXXX. They are demanding {$42000.00}. I requested them to perfect the lien and they sent me Robo-signed documents. In my research to save my home, I have found Real Time Resolutions has been Robo-signing documents since XXXX. I have over 100 documents that prove they have been Robo-signing. The documents I have are from XXXX TX -- one county in Texas where the company is located. They have forged documents, recorded incorrect lien releases with improper addresses of the creditor, back-dated documents and falsified assignments. 

Real Time Resolutions has had their CFO, an Attorney on Staff and other low level employees being Notaries and signing as High Ranking Officers in at least 17 different banks including XXXX in a scam to steal people 's homes in foreclose on behalf of the " investor ''. 
RTR has no legal standing in these assignments, much less foreclosures. The lien releases given leave the consumer in a double-liability situation. The REAL creditor can come back on them as the releases are forgeries and Robo-signed. 

RTR was not named in the original Robo-scam settlement case of XXXX. They are continuing to Robo-sign paperwork as of XXXX. Two people specifically are shown many, many time son documents : XXXX XXXX and XXXX XXXX. XXXX has created the documents, XXXX signs as VP of the assigning Bank and XXXX then Notarizes it. Mortgage XXXX and XXXX XXXX. They have been working together for 14 years forging documents. 

I have attached a sampling of my findings. I have documents from North Carolina, Michigan and Texas where as documents have been Robo-signed.

Company response to consumer: Closed with explanation