BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-22
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This credit card opened an account for someone other then me in my name and now they trying to make me pay for it even after I disputed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In XXXX, I was informed that my vehicle would show as a XXXX ( {$0.00} ) amount owed, if I provided details on my car which was totaled by a truck driver on Interstate 94. The cost that I owe based on what the auto dealership manager stated I would I owe after providing the police report, details on the junkyard who confirmed the vehicle as totals, and other details, the promise was to XXXX ( XXXX ) out my account. After I complied, soon my phone calls were ignored. 

Once I confirmed even after a year later there was no follow through by XXXX XXXX XXXX XXXX, a complaint was made to Attorney General 's office. Again, XXXX XXXX requested pictures with no action on the initial promise. 

Additionally, a request for an update to XXXX, XXXX, and TransUnion with no resolution on XX/XX/XXXX. On XX/XX/XXXX, TransUnion replied with a status of " Unknown, '' which is not an answer at all. 

Now that it was not handled after two years, I am requesting finalization.

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 2022-03-15
Company: WELLS FARGO & COMPANY
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:
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. 

XXXX stated that XXXX XXXX and XXXX XXXX reinserted the accounts and verified that it wasn't identity theft. According to the Sec. 605B. Block of information resulting from identity theft ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 611 ( a ) ( 5 ) ( B ). Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2020-03-05
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 {$14000.00}.

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 ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$14000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$14000.00}. 
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 ) -- PERSONAL ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/2019 with a balance of {$14000.00} -This is not my account.

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 2020-03-05
Company: Direct Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a voicemail on XX/XX/2020 with the following communication : " Unfortunately, we received notice on your file today. It is Thursday XX/XX/XXXX and your file has reached our office due to your failure to respond. We do need to know, was this done intentionally or was this an oversight. I suggest you communicate, we are open until XXXX XXXX. today. The phone number is XXXX. Again, it would behoove you to call before we are asked to cease voluntary communications. XXXX. I apologize for the aggravation but we only received the notice this morning. We may speak with you or counsel. '' I returned the call asking for the following : The name of the company The address/city/state of the company I told the representative that the purpose of this request was that I wanted to send a debt verification request letter to them. She refused after multiple attempts to provide me with this information.

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 2016-06-20
Company: Utah System of Higher Education
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
My student loan was recently purchased by XXXX from XXXX. This is a loan that I have made payments on like clockwork every single month since graduation - 8 years ago. I was not notified of this changed arrangement, nor was I notified that they would cancel the automatic processing of debits from my checking account. Now this account shows as delinquent, and my previous favorable interest rate - secured by enrollment in the automatic payment program - has been increased by a factor of XXXX. To compound these problems, XXXX website has major usability issues caused by an issue with their XXXX certificate. Now I am waiting on the phone to speak with someone because I can not access my account via their web portal.

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 2019-05-11
Company: Meridian Financial Services, Inc.
State: UT
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Written Notification About Debt The law : Within five days of initially contacting you, the collector must send written notice of the debt that includes : The amount of the debt The name of the original creditor to whom the debt is owed A statement describing your right to dispute the debt. 

This law was not fallowed and they are asking for {$5900.00} when XXXX says the I owe {$5000.00}. Witch is what they reported 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 2017-05-30
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On  XXXX   XXXX ,    2017, w e received a letter from  XXXX   XXXX   XXXX , Senior Vice President,  Loan Operations, Consumer Financial Services, for Wells Fargo. In that letter, I was informed, " [ i ] n a   recent review of your relationship wit h Wells Fargo, w e found that you have defaulted on a Wells Fargo loan account. As a result, we are closing your credit card account as of the date of this letter...  ". A copy of this letter is attached to this complaint. In addition, Wells Fargo has filed a credit report with  XXXX  notifying them that we 've defaulted on Well 's Fargo 's account ending in the digits    XXXX .      We 've reviewed Wells Fargo 's allegation and have determined they are false. Documentary evidence supporting our determination is attached. We have brought this matter to your attention because of concerns that Wells Fargo 's allegation is also potentially fraudulent. Discussions with Wells Fargo  staff today to attempt to resolve this issue have been inconclusive, and we are concerned about the inaccurate report to   XXXX   remaining on our credit report. In speaking with  XXXX  from  Wells Fargo 's  " executive office '' (  XXXX , extension  XXXX  ), we received the following information  : 1 ) this might have been a clerical error ; and/or 2 ) this might have been due to inappropriate activity on another Wells Fargo account ending in the dig its  XXXX . As described below, we have had no such account at any time. She has informed us this matter will require 10 days to resolve, however has not provided any additional information regarding the steps involved with the resolution.     Information pertinent to this matter is attached to this complaint :  1. The Wells Fargo ac count is paid by direct deposit from a  XXXX   XXXX  checking account. Attached is a record of on-time payments to th e Wells Fargo account going back well over one year .      2. Wells Fargo alle ges that we have an second account with them which we have defaulted upon. In reviewing our credit report, we do not have any accounts wit h Wells Fargo except for the one en ding in the digits  XXXX . Attached are a   XXXX  -bureau credit report documenting our account history, and a account report from  XXXX .   XXXX   of these show only the sin gle Wells Fargo account ending in digits  XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20
Company: Jim Bottin Enterprises, Inc
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called using a automated communication phone it did n't have my name or who they were calling for they have called for the last month. And their is no to speak to

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
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: Investigation took more than 30 days

Complaint:
Lender : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Loan Amount : {$23000.00} Date Closed : XX/XX/XXXX Amount Paid in Full : {$23000.00} As of XX/XX/XXXX XXXX XXXX XXXX has yet to assist with accurate reporting, after Account was Closed and Paid As Agreed, as well as reporting derogatory items Foreclosure/ was a repossession. After numerous disputes dating back to 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 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Lender : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Loan Amount : {$23000.00} Date Closed : XX/XX/XXXX Amount Paid in Full : {$23000.00} As of XX/XX/XXXX XXXX XXXX XXXX has yet to assist with accurate reporting, after Account was Closed and Paid As Agreed, as well as reporting derogatory items Foreclosure/ was a repossession. After numerous disputes dating back to 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 2017-05-30
Company: COAST PROFESSIONAL INC
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I discovered in   XXXX  , that there was a student loan attributed to me on my credit report. i have never had a loan of any sort. I had contacted th e Dept. of Ed. a nd received a packet that had an verification form to sign and notarize that this was not my loan. I signed it and sent it back, but yet they claim that this is not good enough. i have contact ed Coast Prof. Inc ( debt collector ) s everal times, as reflected in the attached correspondence, to no avail of resolution. i requested the promissory note, and have not received that either. I did my own investigation with the IRS to see if there were any tax records of my employment as I was in  XXXX   XXXX  at the time that this loan was taken out. The loan was for  XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX , and I was not there at the time, nor have I ever pursued such an education. The  XXXX  credit report assigned an address code to that loan that was never an address assigned to me on the same report. The results from the IRS inquiry was inconclusive because ;  1 ) T hey do not keep records for that long, a nd 2 ) my  social security number was not returned to my name.     Additionally, I am barred from seeking any student loan as I have a felony on my record, the address of my incarceration is also on  XXXX  the enclosed  XXXX  report.      Coast Prof  has repeated refused to respond to me, and has refused to submit documentation to me and insists, without evidence that is my loan.     If this issue can not be resolved with the CPFB, I will be forced to seek counsel on this matter and take the issue to court.       sincerely,  XXXX   XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: Credit Bureau Collection Services, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
They are calling my place of work trying to collect a debt i do not owe and have never provided any proof of debt owed and are very rude while i am at work ... this is not very proffesional and where is proof of debt owed???

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: Coinbase, Inc.
State: IA
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Coinbase rep, XXXX has been being an XXXX to me. They require a photo id when adding cards to their system. He seems to think that their policy trumps federal government guidlines. I was unable to do so because their system was not allowing it, whatever I tried. He has the last XXXX of my ssn in his system. I am unable to do much without a good working phone. Explaining that to him, was just like explaining that to a brick wall.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I attempted to purchase electricity from XXXX XXXX after they confirmed my eligibility and paid a deposit of {$220.00}. The next day I was informed that they could not provide me power in my location. I spent the next 9 months attempting to get my money back ( several phone calls a month ). I eventually went through the credit card company I used to pay for the deposit to get my money back. They immediately charged my card again, plus {$25.00}. I went back to calling them but could not get any answers. The best I got from someone was that 'I never paid them a deposit to begin with '. He could not explain the fact that I had a credit card bill that said differently. I went through the credit card company yet again, and this time changed my card number and went through all of the hassle that that entails. 2 months later I began receiving electric service cutoff notices with varying amounts owed ( bear in mind they were never able to provide me power in my area in the first place ). After about 6 months I was informed that they had sent me to collections for, from what I could tell, an arbitrary amount of {$60.00} ( they never could tell me where the extra {$25.00} came from or any other charges ). After another several months, I have finally gotten them to drop the case. By now, my credit has been significantly affected. I am still trying to go through the bureaus individually in hopes of fixing this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I put in an insurance claim on  XXXX   XXXX  for a property I have I Virginia, due to the extent of the damage a check was issued in the amount of {$8100.00}. The check was issued in both my name and the mortgage compa ny Ocwen Loan Servicing. I paid the contractor with my own money in order to speed up as I had to send the check to Ocwen to be endorsed, I notified them that the contractor wa s paid and provided proof of doing so. I also made them aware that the check for the full amount need to be made out to me, they assured me that would be done. They then sent me a check made out to The Estate of  XXXX   XXXX , The Estate of  XXXX   XXXX  and myself. After a lot of back and forth they sent me an envelope to return the check because The Estate of  XXXX   XXXX  was no longer on the loan and there is no way the check could be deposited. It has now been an additional  4 weeks and Ocwen Loss  Draft division has not returned the check with the corrected names, I spoke to a manager on  XXXX   XXXX  and was told that the check was cut and just waiting on shipping. Called on the  XXXX  and was told that it take s 3 to 5 bus iness days to process shipping, called on the  XXXX  and was told to call back on the  XXXX  for my tracking number. Called on the  XXXX  and was told that it 's still waiting to be picked up by  XXXX  and I should call back on Tuesday  XXXX  to get my tracking number, when I called today I was told that the check was not printed because their printer is not working and there 're not sure when it going to be up and running. I feel like the are just giving me the run around and do n't want to refund my money.

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 2021-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Investigation took more than 30 days

Complaint:
Hey My name is XXXX XXXX XXXX and on XX/XX/2021 I sent in a dispute with TransUnion. is has been well over 30 days and I have yet to receive my reinvestigation results. at this point, I feel that I am being taken advantage of this especially by them reporting these items it's making it hard for me to obtain credit. I am trying t buy a home and TransUnion not doing their jobs it's making the process hard on me. I'm really to the point where I'm looking to file a suit against this company. I am asking that you guys please resolve this issue ASAP.

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 2022-07-11
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting act ; XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation