BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to remove any items not later than 4 business days after the XX/XX/XXXX letter. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XXXX Balance Owed : {$51.00} ; XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX Balance Owed : {$70.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX  Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ;

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Credit Bureaus are required to remove any items not later than 4 business days after the XX/XX/XXXX letter. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy.Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX  XXXX Balance Owed : {$51.00} ; XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXX Balance Owed : {$630.00} ; XXXX  XXXX Balance Owed : {$70.00} ; XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$100.00} ; LAW XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$110.00} ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date XX/XX/XXXX ; XXXX Inquiry date 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 non-monetary relief
Consumer complaint received 2019-11-04
Company: Merchants' Credit Guide Company
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My complaint is regarding Merchants Credit Guide Collection Company listed on my credit report also under XXXX XXXX XXXX for {$280.00} and {$750.00} I have sent several letters disputing this debt and It was removed however it keeps popping up and the documentation they allegedly sent to the Credit Bureaus is a direct violation of my HIPPA rights. I would like for this debt and any additional debts from this company removed from my credit report immediately. It was removed and added back to my credit report and I was not notified with any documentation from the Bureaus or Creditors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Debt Recovery Solutions, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have this debt collection on my credit report for a long time. At the beginning I did n't pay attention to it because I knew I did n't owed it. They have contacted me letting me know that I did n't return a router to XXXX that I was supposed to when I close my account. I moved from New York back in 2012 and I personally returned the router to their office in XXXX XXXX in XXXX. I had previously contacted XXXX and let them know about me moving ; they told me all I had to do was to return the router, and pay any balance in full, I did so. Right now I decided that it was time for us to buy a house, but I have this negative and false report that is affecting my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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:
As dated XX/XX/2022, I, XXXX XXXX, Consumer, am aware Equifax Information Services LLC are in noncompliance of Federal Law Gramm-Leach-Bliley Act, as a federally protected consumer my rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Kelsting Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX my husband and I received a letter from Pacific credit services ( XXXX XXXX XXXX XXXX ) for an attempt to collect on an unknown debt on behalf of an unknown entity ( XXXX XXXX XXXX ) with which we have never conducted business. We did report this attempt as fraudulent with the XXXX XXXX XXXX  XXXXXXXX XXXX 
On XX/XX/XXXX we did receive a second letter from Pacific credit services ( XXXX XXXX XXXX XXXX  # XXXX ) providing supposed proof of debt regarding towing and storage for a vehicle we previously owned. 
We are hereby providing proof of sale of said vehicle dated XX/XX/XXXX. ( XXXX XXXX XXXX XXXXXXXX ). 
Their attempt at collecting a debt is highly suspicious for the following reasons : - car was sold on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX as per check dated + Notice of transfer & release of liability ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX did not register sale with DMV yet transferred vehicle to XXXX XXXX XXXX on XX/XX/XXXX prior to doing any registration and abandoned vehicle following a parking violation (? ) - It would appear that XXXX XXXX XXXX sold a lien of said vehicle on XX/XX/XXXX and Pacific credit services is now attempting to collect for storage + towing fees that we do no owe. 
Our supporting documentation provides information on correct debtor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX - XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-18
Company: Experian Information Solutions Inc.
State: NJ
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 Friday, XX/XX/XXXX, I submitted documentation to Experian in regards to a dispute I filed with them for an inaccurate public record they are reporting on my credit. Their response to me was they were not able to honor my request based on limited amount of information. This document is an updated copy of a report from XXXX XXXX showing that I have no public record on my report. XXXX XXXX is Experian 's furnisher of information such as public records. 

After disputing this item prior ( XX/XX/XXXX ) their " investigation '' reports state they verified the information as accurate from their data furnisher, XXXX XXXX. How did they verify this information with XXXX XXXX if the information isn't even on my report? I even called multiple times and not one of their customer service representatives could answer any of the questions I had. I even asked to speak with a manager/supervisor and was hung up on! 

This false reporting is killing my credit report and destroying my chances of buying a house for my family.

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 2018-05-11
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
this problem is with ocwen loan servicing ... .they somehow have taken my morgage from a XXXX escrow overage to now my payments are late and i am now {$7000.00} behind..i contacted you previously but nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been unable to implement a credit freeze with TransUnion I have been notified that I am at risk from the XXXX data breach The online credit freeze process failed and I was provided with a telephone number to call I believe the online process failure is a scam because calling the telephone number only gives advertisements for TransUnion 's services which I have no interest in and do not wish to provide personal data for No email addresses are available The telephone numbers listed are only ads I have successfully implemented an online credit freeze with XXXX XXXX and 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 2019-11-04
Company: Perfection Collection
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I RECEIVED A NOTICE FROM MY CREDIT MONITORING COMPANY THAT THIS ALLEGED DEBT WAS REPORTED TO XXXX CREDIT BUREAU. THIS COMPANY NEVER SENT ME A NOTICE AND NEVER GAVE ME A CHANCE TO DISPUTE THE ALLEGED DEBT.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: WELLS FARGO & COMPANY
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I entered into the Forebearance program with Wells Fargo ( WF ) and missed two payments, XXXX and XX/XX/XXXX. I was told by WF to continue payments when possible so I began making payments with the XX/XX/XXXX due date. On XX/XX/XXXX, XXXX had me sign a Loan Modification which moved my two missed payments to the end of the loan and gave me the new terms of the loan with first payment due XX/XX/XXXX. I continued making original loan payments. 

After a month of no update to my loan profile on Wells Fargo online, I contacted WF and they said it takes time to process and my profile should update soon with the new terms. My profile said I was overdue on payments and had an outstanding overdue balance. I continued to contact WF weekly and they promised it would update soon. And I continued to make full original loan payments on time. 

Then WF contacted me in early XXXX and said I no longer qualify to the new loan modification since I continued making payments. They advised me GNMA requires 90 day deferred payments and I only had 60 day deferred payments. They said I need to miss one more payment to qualify and I should miss XXXX payment to qualify. I missed the XXXX payment as advised. 

I was then contacted this week, XX/XX/XXXX, and told I do not qualify for the loan modification I signed in XX/XX/XXXX because GNMA is not offering it any longer. They said I must enter into a new loan modification and will need to make 3 more consecutive payments to qualify. 

I have called WF numerous times to complain and explain my situation over and over but most times the representative on the phone transfers me and/or does not know how to help. 

What can I do now?

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 2018-08-07
Company: ALLY FINANCIAL INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Disputed with the company on XX/XX/18. Company received my disputes on XX/XX/18 as it shows according to the certified mail. It is now XX/XX/18 and I've yet to hear back from the company. The FCRA gives the company 30 days to respond. I have not gotten a response.

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 2021-10-08
Company: Professional Debt Mediation, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I went through a credit repair company with the idea that I would only be charged when services were provided. Nothing was done on my credit and then XXXX XXXX XXXX put a collection account on my report for {$1300.00}. They did nothing for me except take my money and then tried to charge me even more. I requested a copy of my contract and they still have yet to provide me a copy with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, 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:
I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX XXXX & I am including it again., 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 Balance : {$770.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$770.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX XXXX XXXX : {$84.00} XXXX  XXXX Balance : {$84.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1000.00} XXXX XXXX XXXX ( Original Creditor : XXXX BANK ) XXXX Balance : {$1500.00} XXXX XXXX Balance : {$770.00} XXXX XXXX IN ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXX/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 XXXX  XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Ocwen Financial Corporation
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage off XXXX and certified check cleared on XXXX. I have continued to receive harassing phone calls saying they havent received payment. I have emailed proof on numerous occasions and also sent a certified copy of the certified check, my home equity statement showing it came out and was paid, my savings account statement showing money deposited for certified check, copy of the payoff letter showing where the payment was mailed to per PHH Mortgage instructions. The continuously call me saying they havent received payment when I sent them the canceled check. They have put negative comments on my credit report. I have authorized them to speak with XXXX XXXX XXXX who sent the certified check and they continue to contact me after I asked them to speak with bank. I have already started making my new mortgage payment. They have sent me two early intervention letters when my account is under dispute. This harassment is out of control and causing undue hardship not only on my credit but my health. Please advise. I have put them on notice of legal action if this continues

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
To whom it may concern : Hello, I signed up for 'Coinbase ', an online digital currency ( cryptocurrency ) wallet storage website on XXXX XXXX, XXXX. Coinbase was a great site as I was initially successful in making numerous successful transactions and deposits from my XXXXXXXX XXXX account which converted US dollars into 'Bitcoin ' and 'Ethereum '. 

Some transactions include : XXXX XXXX, XXXX - Purchase for XXXX Bitcoins ( {$2500.00} ) XXXX XXXX XXXX - Purchase for XXXX Ethereum ( {$2400.00} ) XXXX XXXX, XXXX - Purchase for XXXX Ethereum ( {$4900.00} ) It was until about XXXX XXXX, XXXX when I attempted to log-in to my account so I could buy some more coins since my birthday was coming up. I was not able to access my account because Coinbase had indicated that my " Account was disabled ''. A couple hours later, on XXXX XXXX, XXXX at XXXX local PST time, I receive what appears to be an automated email saying they 've received my request -- this made me a little more at ease. No response until about a week later on my actual birth date, XXXX XXXX, when a representative from Coinbase, by the name of " XXXX XXXX '' replied : Hi there, Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update. Please let me know if the matter develops further as we investigate. Regards,  XXXX. 

I do not receive any updates or notices so I try again on XXXX XXXX, XXXX. Then again on XXXX XXXX, XXXX, as I am growing extremely worried at this point. I have been professional and polite in my email requests as well, but still, no answer. I email Coinbase again on XXXX XXXX, XXXX and again, nothing. 

This matter is extremely time sensitive since the cryptocurrency market is 24/7 in real-time and I am not able to make trades let alone pull my money out from this horrendous website that is now a scam in my opinion because I do not know what else to do. Please help with this matter. I would be extremely grateful at what ever it is the CFPB can help with. Thank you for taking the time to read my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Conduent Incorporated
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I received a deposit for {$3900.00} on my EPPIC Debit Card issued by Dept Child Support Services for California. 

I typically receive {$170.00} a month for child support so I very seldom use the card. I called to check the balance at the end of XX/XX/XXXX to see if if my normal monthly payment posted, as my ex husband is not consistent in paying court ordered support. 

The automated system advised a payment for {$3900.00} had been deposited to my card, but my available balance was {$0.00}. 

This was a tax intercept payment for arrears owed to me. I spoke with the fraud department who sent me paperwork to complete and return, I had to request it twice! 

Since than they denied my claim, I have asked multiple times for their report and reason to deny my claim as it was clear it was fraud since the charges are from XXXX and XXXX. I filed a police report. 

They continue to lie to me and promise to send the report of their investigation its been 7 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-01
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a issue I wrote to you about regarding XXXX XXXX. XXXX sold me a package that I was never able to use and did not inform that to have this service that I had to get their phone service. The premium channel that I ordered never worked although XXXX was called several times to fix or remove from the account. XXXX has continued to charge me for the premium services as well. 

When I got the bill, I tried to explain what happened and work out with them to get the services working. They would never resolve the issue. 

Now they have 2 collection companies reporting on my credit report, both in the amount of {$780.00}. I do n't own the original {$780.00} but now they have 2 companies reporting that amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation