BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}, {$3200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$9000.00} -This is not my account. 


XXXX. XXXXXXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/2016 with a balance of {$3200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: TCF NATIONAL BANK
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I paid off a Home Equity Line of Credit in full in XX/XX/2020 and received the attached paid in full letter dated XX/XX/2020. The company, TCF, has still not recorded the lien as satisfied so I am experiencing delays and am unable to close on a new 1st mortgage with XXXX as a result of this HELOC not being recorded as satisfied. I have asked the company, TCF, to simply provide a copy of the satisfaction documents that they say were sent to the courthouse or to provide a letter confirming that the loan is closed and that the satisfaction process is in process. Either of these would be acceptable to the title company handling my new loan closing but TCF is refusing to provide anything. As a result, I am incurring several XXXX dollars in rate lock extension fees as I have been delayed in closing for over 2 months already with no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Last month I received an alert from my credit monitoring service. After I checked my report, I noticed a new account from a company called XXXX XXXX. The company reported an account with XXXX that is not mine. Furthermore, I never received any notice of the impending placement of this account to my credit report. I have never agreed to have XXXX XXXX represent me, nor have ever entered any commercial contract with this company. I have to assume that this is either a mistake or a result of identity fraud. I would like this account to be investigated and removed from my credit ; It is not mine!

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 2018-10-17
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Complaint is hereby made at the adjustment in interest rate being charged. We closed on our reverse mortgage XX/XX/XXXX and the interest rate was set at 4.48500 %. On XX/XX/XXXX, the interest rate was raised to 6.010 % effective XX/XX/XXXX. The current advertised rate for reverse mortgages is in 4+ % rate and this amount is unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Sterling Infosystems Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On or about XX/XX/2017, XXXX XXXX XXXX completed an order for XXXX in XXXX XXXX, CA about me. ( Order XXXX XXXX, XXXX XXXX ) In this report were items about me that are outdated, and it being a 'Level 3 ' report, criminal records were disclosed that are more than seven years old plus.

I don't know the scope of 'level 3 ' reports, but this one led to an adverse action taken by the company, XXXX . 
I strongly urged the company to remove said records about me, for I am in the process of paying the courts back all of their fines and fees imposed pursuant to statute and orders, pursuing restoration of my civil rights, and have not been a recidivist. 
I hold a Level 1 fingerprint card with Arizona Department of Public Safety, and this type of information does not accurately reflect my current activities within the public sector and private. 
I will pursue any and all remedies available to me as a consumer including litigation. 
Please kindly reply with your response to my request, as this is not the only report that has led to adverse action against me as an applicant. 
I take great care of patients, clients, and hold the highest level of clearance this state offers for student doctors, and investigators. 
Adverse action was taken by two different employers that included being denied employment solely on the grounds of the existence of this slanderous information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: CCS Financial Services, 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:
I have a collection account reporting on all 3 of my credit reports which was incorrectly processed and sent to a collections agency by XXXX XXXX. The amount reporting on all XXXX credit reports is for {$270.00} and it has been in collections and reporting negative since XX/XX/2019. This was an error made by XXXX XXXX ' in which they did not see all the equipment that was returned to them and one of their employees reported the item not returned, and once they did their inventory they realized that I had returned the item and they notified the collection agency ( credit collection services ) which then showed my account with XXXX XXXX in good standing, however the delinquency and collection activity is still reporting on all 3 credit bureaus ( XXXX XXXX, XXXX, & XXXX ) I have spoken to XXXX XXXX and the credit collection services several times and they always advise me that they do not show any collection activity or notices against me, and they have requested that all XXXX credit bureaus remove the collection notice of delinquency from my credit report, but nothing has been removed and it is affecting my credit to purchase a home. I also sent letters and contacted all 3 credit bureaus but they came back with the negativity still reporting against me on all 3 credit bureaus. The Credit collection services customer service representative advised me that they have stopped all negative reporting to the credit bureaus form XX/XX/2019 and she had no idea why all XXXX credit bureaus still were reporting the delinquency on all 3 credit bureaus. This is a headache, because I do not believe that the credit bureaus are doing their job, only ruining my credit and this delinquent item should be removed immediately!!! 
It is reporting under Credit Collection Services, phone # XXXX - XXXX XXXX XXXX XXXX MAXXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with convenience check

Complaint:
XX/XX/XXXX I went to my local Wells Fargo office and wired {$18000.00} to buy a car. I covered the wire by transferring {$7000.00} from my business checking ... XXXX to my personal checking ... XXXX and I wrote a convenience check # XXXX for {$12000.00} to be deposited to my personal checking acct ... XXXX and charged against my personal credit card ... XXXX which had a {$13000.00} limit and a balance of {$110.00} leaving an available credit amount of {$12.00}, XXXX. There was a 4 % fee of {$480.00} which would have left an available credit balance of {$400.00}. The wire transfer occurred without incident, but the convenience check was never charged to my personal credit card ... XXXX. As of XX/XX/XXXX, the available credit is still {$12000.00}. 

XX/XX/XXXX The convenience check was returned NSF, which I do not understand. My business checking account XXXX balance of {$7700.00} was taken to XXXX to cover the NSF . My business credit card ... XXXX was charged {$4200.00} and that amount transferred to my business checking to cover the remainder of the NSF convenience check. Plus other overdraft fees. 

All the above transactions were done in the bank with the full knowledge of the staff regarding the multiple steps that needed to happen. Everything went smoothly and the wire was sent. However, after discovering that my business account went to XXXX, I met with the bank rep on 2 occasions and had a couple of follow up phone calls with him. The problem was being " escalated '' and assigned to a person whose job was to solve these problems. I was told it will resolve itself in 3 days, then 5 days. After 7 days I gave up. To this date, nothing has changed. I have not been contacted by the bank. Today is XX/XX/XXXX. Had my personal credit card ... XXXX been properly charged {$12000.00}, none of this would have happened.

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 2019-04-17
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I received a loan from Speedy Cash Co., I was making payments as normal but suddenly I lost my job, I am struggling real bad to keep up with bills, rent, and other accounts that I have, I tried to explain this to the person that spoke about this over the phone ( collections deparment ) I ask her for a payment arregment and she told me that it was not possible and that they would continue with the collection process. 
I also spoke to a wells fargo banker again I explained my situation and asked to for them to stop the payments and she told me that the only way to stop the payments it was me paying the entire balance on the account, that's not possible for me at this time. I resume neither one company understood my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was viewing various websites trying to monitor my credit. Obviously, TransUnion would be one of the places to do this. I signed up for what was *clearly* labelled as a free account. There was never any mention anywhere about fees or charges for what I was doing. I avoided everything on the website that involved being charged, as I did with every other website I visited that day. However, I was charged not too long after making my account. The charge was a subscription for {$24.00} every month, which I had never signed up for. There was not even an inkling of information that I had that would suggest I would be charged while I was on they're website. I immediately called to dispute this charge and was met with no help. In an incredibly comical manner, the person who I spoke with on the phone was both very quiet and speaking from what sounded like a decent distance away. Not only this, but at times they would just stop talking altogether. To me, it felt like an attempt to get me off the phone as quickly as possible. While on the phone, the person was also speaking as if I should've known exactly what I was being charged for. I stated on numerous occasions that I did not confirm a purchase for anything, only to be met with them saying that it was my own fault and that I should have known what I was doing. I felt like I was being talked down to. A simple XXXX search shows a multitude of people falling for this fraudulent behavior on the behalf of TransUnion. Just as I believed it was free, everyone else believed it was free or merely {$1.00}. No mention of a {$25.00} charge, not to mention a *reoccuring* {$25.00} was ever mentioned anywhere during the sign-up. This is a scam being run by TransUnion on a mass level.

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 2017-08-18
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I got two emails from Coinbase on XX/XX/XXXX telling me that my two wire transfers, {$4000.00} & {$5300.00}, have been rejected because of a name mismatch ( my wife, XXXX XXXX, was the sender ) and so were sent back to the bank. But I looked at the bank account and personally called the bank to confirm. Coinbase did not wire funds back to the bank. I have repeatedly tried contacting Coinbase via XXXX, email, and phone without success. This wire transfer reversal should not take this long. What 's even worse is that the Coinbase website states that a wire transfer will only take one business day which is completely dishonest and  misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not my debt and this company violated multiple consumer laws, including reporting an inaccurate debt and failing to respond to my timely debt validation request. I received a letter from Portfolio Recovery Associates claiming that I owe a debt associated with this account they claim is mine. In response, I promptly mailed PRA a letter requesting GAAP debt validation. I never received response from PRA in response to my GAAP request, nor did they respond to requests regarding other debts they claim I owe. In researching this company, it seems to be a common complaint that debt validation requests are not responded to. Despite not responding to my timely debt validation request, they continued to make collection efforts, including reporting this non-validated debt to all three credit bureaus, which they are not allowed to do without proper validation/response to my timely GAAP request. I recently disputed this with XXXX. I also disputed other debts that this company claims I owe. In response to 3 other disputes, I received credit card statements showing a completely different amount that did not at all validate or explain the amount they are reporting. In response to my dispute regarding this specific debt, PRA did not send me a single document to validate that I ever had this account, that it is my debt, or that the amount is accurate ; I did not receive a single item from PRA in response to this, other than a recent letter from them offering a settlement payoff that did not address the accuracy or validity of the debt or acknowledge that I disputed this debt. It is my belief that this is not my debt and that is perhaps why they did not attempt to respond with anything, I do not believe this is a valid debt. i do not have this account on my credit report, so I believe the original creditor also does not feel I owe this delinquent debt. It is my further understanding that both CFPB and the DFPI have investigated and filed lawsuits due to this company attempting to collect invalid, inaccurate debts, and sometimes fraudulent debts. To be clear, I am not acknowledging that this debt is mine, I am simply asking for assistance in getting this invalid inaccurate account removed from my credit report. The amount in question for this account per their debt collection letter attempt to me on XX/XX/21 is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home in XXXX with a mortgage ( Loan # XXXX ). Wells Fargo Home Mortgage services my mortgage but they explained the lender is a private lender. Wells Fargo will not disclose to me who owns my mortgage. I have inquired many times who my actual lender is with the most recent inquiry being on XX/XX/XXXX. 

I have not missed a single mortgage payment in over a decade since my mortgage was refinaced with the HAMP program in XXXX or XXXX. However, I have occasionally struggled to pay my mortgage on time before the XXXX of each month thereby incurring exorbitant late fees imposed by Wells Fargo. They will not allow me to pay just my mortgage on their website without first paying the accrued late fees. In order to pay just my mortgage every month without the accrued late fees I must therefore mail in a check which because of USPS delays often arrives after the XXXX of the month, incurring even more late fees. The late fees now total more than {$4000.00} which is causing a hardship on my family which has been hit hard by the Covid-19 pandemic.

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 2018-10-17
Company: Bessine Walterbach, LLP
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
My hospital bill was sent to a law firm for collection. My husband is on XXXX XXXX and they served us both. I called and complained and they just took his name off of the lawsuit. I had to make arrangements in or order to not be garnished. I was steadily making payments until one of my payments got lost in the mail. The company has no electronic options or automatic withdrawal options. Everything has be sent or walked into the office. One day I received spam mail from a lawyers firm that wanted to represent me. I had no idea why so I searched my local case net for my name. This law firm has sent my employer garnishment documents. I had no idea that I was behind any payments. I called the office and they instructed me to find legal counsel. I then emailed them for all the payments I have made. I offered to pay the missing payment the same day. I didn't know the payment didn't make it because it was already deducted from my account being a cashier 's check. The law firm told me the garnishment will go through unless I pay the full balance. I never received any notification that I was behind. They said they did not have to notify me because I defaulted on the arrangement. I didn't know I defaulted but now my employer is being effected as well as my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Direct Recovery Services, LLC
State: FL
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 received SEVERAL harassing phone calls from Direct Recovery Services. They simultaneously call me, my employer and my ex-husband 's cell phone number, whom I have not been married to since 1993, and leave an intimidating recorded message stating they have checked my history and I do not seem like a dead beat, they only have a short amount of time to work with me on the debt, no information is given as to what the debt is, by whom or the amount. Just an account number and their web address. 
I XXXX  their company information and found they have HUNDREDS of complaints that have been filed regarding fraudulent accounts, harassing consumers with threatening messages and when consumers call they are treated rudely and disrespected by the agents they speak with to verify the information. I requested their information on this supposed collection account in writing. They refused to give me the information and never mailed a letter indicating I owed a debt and have 30 days to dispute it. 
I went further and went to their website and entered the account number I was given in the recorded message. It took me to an collection with a company called XXXX, XXXX. I XXXX  the business name which is in fact XXXX ( XXXX XXXX XXXX ). I do have an account with them and have had for several years so fearing I was a victim of fraud, I contacted XXXX and chatted with an agent explaining the collection account. He confirmed that I do not have any past due balances with XXXX nor do I owe anything on my account nor has fraud been committed on my account. I asked him about the collection company and he had no knowledge of the company. 
I emailed Direct Recovery Services again requesting written verification of the debt and also attached the chat conversation with the XXXX agent. This company will not respond. I went to the XXXX XXXX XXXX and filed a formal complaint, they responded with it was on the consumer to request verification of the debt. 
This company has violated every law in the FCRA. I don't think this is a legitimate collection company and they 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 2018-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/2018 I mailed reinsertion letters to XXXX, XXXX & Transunion because some items that were removed had been placed back on my credit report showing derogatory marks and hindering my financial future please see attached letters & certified mailing receipts to XXXX, XXXX & Transunion

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