BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: FCI Lender Services Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
FCI Lender Servicing in violation of CA HBOR and RESPA X. On XX/XX/18 spoke with the CEO of FCI Lender Servicing who states he would not let me modify or short sale and just wanted to kick me out of his house so he could sell it himself at auction. FCI is operating as a foreclosure mill which are illegal in CA. Furthermore CA HBOR requires lenders and services such as FCI to help homeowners avoid foreclosure which FCI refuses to do. A deed in lieu is still a foreclosure. FCI by law must allow the ability to short sale my home. The end result is the same there should be no reason to not other than FCI is looking to charge it's investors unnecessary foreclosure fees. The operations of FCI needs to be investigated by the CFPB and other regulatory agencies to see how many other homeowners rights are being violated. RESPA requires FCI to  allow me to avoid foreclosure and provide an answer in 30 days. XXXX XXXX whom FCI as acquired the loan from has advised me that my request to avoid foreclosure has been delayed by FCI because they have no desire in helping me, they just want to act as foreclosure mill and foreclose on 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 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-03
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Truist had a computer glitch on XXXX with their cash reserve line of credit. It debited and credited repeatedly the amounts I have paid into the cash reserve. They took my account negative XXXX dollars. As of XXXX issue not fixed nor has account been adjusted

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 2019-12-01
Company: EQUIFAX, INC.
State: GA
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 recently been informed that there is negative information reported by XXXX XXXX XXXX Reported : XXXX XXXX, 2019 {$220.00} in the file you maintain under my Social Security number. 
No contract exist ... Account was settled with creditor ( no valid claims ) I want it removed. False information is being reported. 
I challenge the accuracy, compliance and reportability of these listings. 
As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. )  Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
State: AL
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:
To whom it may concern every time I look up something it all ways show something different I only live in a apartment for 4 years low income housing in not this my first house since XX/XX/18 It Show loans in All that I never got I never left XXXX Alabama to get all this stuff that's crazy please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I opened an account with Coinbase a US company and purchased a digital currency called XXXX and XXXX, I am a XXXX based Citizen and Resident. I viewed my account whilst travelling with my employer an international Airline to a country ( XXXX ) where I was staying for. Few hours at the Airport hotel. Then suddenly and without warning Coinbase froze my account and funds. I did not make any transactions just viewed the value of my account as one would with any other financial foreign exchange account. I have sent ID such as bank and passport details and have contacted Coinbase on many many occasions with just a computer standard response, please advise as there actions are very questionable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My Husband is currently overseas and not able to use his Wells Fargo debit card ending in XXXX. We called Wells Fargo today to try and get the issue resolved as we had already notified them online about his travel plans, but the representatives REFUSED to help us without him confirming the verbal password on the account. He did not recall even setting up the verbal password and they didnt even try to verify the account using a different method, such as confirming SSN or anything at all. They just kept saying that he would need to go into a branch ... .HE IS IN XXXX ! They were rude, they cut us off and talked over us and didnt try to help us at all. He doesnt have access to money while overseas now all because of Wells Fargo and the poor treatment of its customers. We spoke to 2 different individuals, 1 was a regular representative and the 2nd was her supervisor who actually HUNG UP on us! The call was on Saturday, XX/XX/XXXX around XXXX - XXXX PST. Please pull this call so you can listen to the way we were treated.

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 2017-08-19
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was not able to contact the company sca coll. XXXX XXXX XXXX was listed under this collection. I called to take care of this collection but they did not have a bill for me on record. The account was open on XXXX XXXX 2012. The company owed does not have a record of the debt.

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 2018-10-15
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly asked for validation of this debt, and all they send is a statement with a balance owed and no details. The collection notice has been sent in XXXX. Their debt collectors have threatened me with going to court and showing up at my work. I have tried on many occasions to resolve this issue with the company, and when I ask for proof of the debt, I am either hung up on threatened. This is not my debt, I never received this card. They are enabling my ability to receive private student loans. I have been a victim of identity theft on more than one occasion and have provided FTC Complaint numbers to them and the credit bureaus. I have also filed numerous reports with postal service about not getting my mail. These people can not threaten me or continue to falsely accuse me of this debt. It needs to be removed from my credit file immediately. My XXXX account was hacked on more than one instance and my personal information was exposed. Please see attached documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately.

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 2023-04-18
Company: Experian Information Solutions Inc.
State: NC
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 my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/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 2019-12-01
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Sadly, NAVIENT is a very corrupt company that uses deceptive acts and nefarious means to obtain information about consumers, as well as collect on debts NOT OWED TO THEM. NAVIENT has identified themselves as a debt collector. The interesting thing is that I can not recall signing any contracts or agreements with NAVIENT, or being a signer on any contracts with them. I have written to NAVIENT multiple times asking for the ORIGINAL instrument of indebtness where I entered into an agreement with NAVIENT and they have ignored my requests, yet they continue to state that I owe them money on an account that I DO NOT HAVE WITH THEM. This has been ongoing for over a year. They are reporting this erroneous information to the credit bureaus and refuse to delete it. When I disputed it with the three credit bureaus and had it successfully deleted due to lack of proof provided by NAVIENT they reinserted it months later without giving notice ( in clear violation of the Fair Credit Reporting Act ). When I dispute again, the credit bureaus REFUSE to even investigate unless I submit additional proof with my dispute although NAVIENT has not provided me with ANYTHING proving this alleged debt so how am I to prove I do not owe it when they cant? The best part is now their legal department is threatening to possibly sue me, claiming that they made multiple attempts to get in touch with me another interesting accusation since I have written them multiple letters that they have simply ignored, disputed this, asked them about this alleged debt, and I still have not seen an original document to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'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 explanation
Consumer complaint received 2022-09-06
Company: ENCORE CAPITAL GROUP INC.
State: PA
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 did not consent to disclosure of my nonpublic personal information to any non affiliated third party. The consumer reporting agencies have failed to conduct a reasonable investigation into this matter. As a result of their negligence, this has caused a restraint of trade and commerce. I have reasonable cause to believe I am being extorted and the fraudulent furnishing of this alleged debt was meant to cause me duress by ruining my consumer report reputation. I revoke any alleged contract or agreement, whether implied or explicit, that I may have been induced into due to undue influence. 

TILA, GLBA, FDCPA, False Claims Act, Sherman Antitrust Act, Clayton Antitrust Act, Robinson-Patman, Fair Trade Commission Act, and the RICO Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-21
Company: EQUIFAX, INC.
State: AZ
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:
On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by financial counseling program ''. The XXXX XXXX credit card was closed in XX/XX/XXXXbecause I put it in a debt management plan called XXXX and they are still sending XXXX XXXX monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 explanation
Consumer complaint received 2023-06-24
Company: Experian Information Solutions 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:
This is my follow up request to Experian that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : 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 2019-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
On XX/XX/19, I disputed the " Remark '' information because it stated " Account closed by credit grantor ''. This was partially correct but should have said " Payment managed by XXXX XXXX XXXX ''. The XXXX XXXX credit card was closed in XXXX because I put it in a debt management plan called XXXX and they are still sending XXXX XXXX monthly payments. 


This is what is listed on my credit report currently : Remarks : Consumer disputes this account information " Account paid for less than full balance ''

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 2023-04-25
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
All I got was a letter stating they had opened fraudulent checking and/savings accounts in my name and didnt offer any restitution for the damages to my reputation nor credit history.

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 2019-07-21
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase, Inc. ( cryptocurrency ) account has been blocked/restricted since XX/XX/2019. Coinbase blocked/restricted my account because they say someone tried accessing the account from XXXX. I am still not able to this day to log into my account. I submitted a ticket requesting help with the issue on XX/XX/2019. The case number is # XXXX. Coinbase support requested from me to upload two documents proving my address in XXXX, TX. I uploaded an internet and electricity bill showing my address is XXXX XXXX XXXX XXXX, TX XXXX. Coinbase support responded to me on XX/XX/2019 stating my issue was going to be resolved in 5-7 business days but it could take longer. 17 business days have passed and I have yet to hear from them. I have called multiple times to ask them what is the issue or if they need more documentation in order to prove my residence but it has not helped. I have about {$4500.00} US dollars in different cryptocurrencies in that account. I have been trying to call but now it seems as if they automatically blocked my number and the call is hung up after saying that they have a lot of callers on the line. I need help and representation in order to retrieve my funds from that company. I did what was needed from my end in order to get my account unblocked but they are being unresponsive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I closed my account with XXXX in XXXX, I paid them the total due upon closing and they guaranteed that was the final bill, even though it was double my monthly for some long winded reason, I paid it, just to close the account. A few months later they showed this new amount still owing {$110.00} which I have no record or recollection of. This is plain extortion by big corporations like XXXX, holding people 's credit hostage for unjustified and fake collections. This should be removed from my credit report or copy me on the original date and itemized bill for this amount as this is NOT from XXXX, not even close!!!

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