BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. 



Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way. 



If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for  damages, and you can travel to defend yourself. 



I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General

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 2022-05-05
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Sent Debt Validation letter on XX/XX/2022, XX/XX/2022 Never received A response from Receivable Management Corp. This is the second attempt to get debt validation. Its a total of 7 letters. Amount {$6200.00}, {$2600.00}, {$5700.00}, {$54.00}, {$60.00}, {$36.00}. And made several attempts to call it always says to leave your name and number and they will call you back. Also made several attempts with the Credit Bureaus to also get debt validations and to correct my credit profile because it is incorrect. The credit bureaus stated my account was properly investigated. I didn't receive any verbal or written response. The only thing that was done was updated my credit report was closed the account on my XXXX Credit report as Account information disputed by consumer meets FCRA requirements. But nothing change on my XXXX and XXXX. 
15 USC 1681 section 602 A States I have the right to privacy 15 USC 1681 section 604 A Section states a consumer reporting agency can not furnish a account without my written instruction.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been using XXXX XXXX XXXX for many years for my wireless service and internet in the past at previous home. I was recently trying to add internet service to a new apartment I will be moving into soon. XXXX XXXX XXXX told me I couldnt get that service because there is an unpaid balance of {$400.00} for a XXXX XXXX XXXX XXXX tv bundle that Ive never had. After speaking to multiple representatives, I discovered that someone created an account in their name but under my social security number and they did give me that account number. Because they have an unpaid balance that has now went to collections, Im taking a hit on my credit because they used my social security number without my knowledge or permission. I have spoken to XXXX XXXX XXXX fraud department and they told me its not considered fraud since its my social security number even though I did not give permission for this person to use it nor did I know until I tried to add a service and couldnt. XXXX XXXX XXXX has continually transferred me to numbers that do not work and refuse to help me or remove the {$400.00} from my name and Im concerned with what else this person could do with my social number. XXXX XXXX XXXX has told me they cant do anything since its already in collections and that account has now been closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
PLEASE DELETE. ACCOUNT TRANSACTION LISTED WERE NOT DONE BY MYSELF.

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 2016-09-14
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Wells Fargo has rearranged transactions in order to charge me overdraft fees. They have also posted transactions in time only when it 'll cause me to overdraft. When I do deposit money when I 've noticed I 'm negative, all of a sudden the next day that transaction that caused me to overdraft is magically gone ... They expect me to forget all the trouble I went through to avoid an overdraft and think nothing of having a surplus in my amount available? They just want me to think I have more money than I actually do so they can get a fee from me. No, this is not right and I knew it was n't right ever since I opened my account. Who knows how many times they have done this to me without me noticing?? Scam artists. I only realized what was happening after this time that I noticed something was wrong. All it took was a search with my question about them scamming people for me to realize I need to switch banks immediately! No one should do business with them. I have learned my lesson and will research my future bank much more thoroughly.

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 2020-04-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Two years ago I received multiple notifications that my information was exposed in several mass data breaches such as the XXXX data breach and XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. This has made my life very difficult by this identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
The complaint is about : getting the the title on the car left on our property for the last 10 years. The company ( Capital One Auto Finance ) was to pick-up the car from our resident. 
Type of problem : Can not contact the company to talk to anyone, can only get an automated voice system. I had left several messages for the first 2 years, with NO call backs. 
What happened : Asked the company to add my wife ( XXXX XXXX XXXX ) to the loan and take Mr. XXXX XXXX XXXX off the loan. At this time the company would call me for a payment BEFORE the payment was even due. That is when I told them that Mr. XXXX was filling bankruptcy, and that was the reason for adding my wife to the loan. Because my wife and I were making all the payments, and had made the {$7000.00} down payment, they denied the request, so I told them to come and get the car. That is when all calls from them stopped, I was not able to call and speak to anyone. 
What company is the complaint about : Capital One Auto Finance What people are involved : XXXX XXXX XXXX ( now deceased ) and XXXX XXXX XXXX XXXX. 
Details about this complaint : I purchased the car on XX/XX/XXXX, I believe my last payment was in XXXX XXXX, when denied putting my wife ( XXXX ) on the loan, instead of her father ( XXXX XXXX ) because of his bankruptcy. They denied my request and was told to come and pick-up the car. 
the car has been parked on the property since that time, on non-op through CA DMV.  several attempts have been made to contact Capital One to arrange pick-up, with no response. However Capital One did send a letter on XX/XX/XXXX, in regards to a account number change. at that time we tried to contact them about picking up the car, and got no response, even after leaving several messages. 
As well as several recalls on this car : 1. ) Power window- 5 notices 2. ) Cracked and or sticky/melting dashboards- 4 notices 3. ) May exhibit excessive engine oil consumption- 2 notices. 
4. ) Sun Visor may rotate downward. 
With all these recalls I do believe this is considered a lemon law problem, and may be why Capital One does not want the car.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: Direct Cash LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I want a hard copy of my Loan documents. They are refusing to email or send. I am having problems signing in their system. However I should still be able to get a hard copy sent regardless. That is my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-07
Company: U.S. BANCORP
State: NJ
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 XX/XX/XXXX, I took my XXXX XXXX car to XXXX XXXX XXXX for the repair on my air conditioning system. Once I got there I was assigned to XXXX XXXX and told him that my air conditioning was not functioning properly that it was blowing warm air. He told me that they would inspect the system for the trouble and sent me home with a valet. After two hours, Mr. XXXX sent another valet to pick me up and I met again with him. He explained to me the workmanship that they did on the air conditioning and showed me a bill of {$1700.00} for which I was astonished. Seeing this he discounted the bill to {$1500.00} which I signed believing that the work was done properly. 

After I drove the car for a little while, I noticed that it was still not functioning so on XX/XX/2019 I called XXXX with my concerns. I was told to come back on XX/XX/2019. They kept the car overnight to recheck the air and they discovered that there was a leak in the EVAPATOR that was not detected in their initial inspection. They told me if I wanted them to repair the EVAPATOR they would charge me another {$900.00} which I refused to pay. 

On XX/XX/2019 I sent a letter to my credit card company, XXXX Bank XXXX Cardmember Service disputing the charge of XXXX. After waiting two months for a response, XXXX Bank refused to honor my dispute and consequently as of this date I have no air. 
At the present time this matter is being litigated in the court including but not limited to the XXXX Court.

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 2016-11-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Turned down twice in XXXX and XXXX by Wells Fargo for extension of current HELOC - variable/prime ( now at limit ( $ XXXX, since XXXX, or new HELOC. First mortgage paid off in XXXX. I have credit score over XXXX and equity in condo of over {$160000.00} XXXX I will be XXXX next month, and am living alone. My average annual income since retirement in XXXX is XXXX {$XXXX}. WF turned me down twice, explaining ( XXXX ) they are at the mercy of government regulations concerning ratio of income to credit exposure. Income is composed of about half fixed benefits, ( pensions and SS ), and half from IRA distributions from XXXX IRA, now at a level of {$XXXX}. Reasons for loan extension request of {$XXXX} is to replace IRA distributions for 2 year period ( XXXX & XXXX ). I want to reduce taxable income for that time, and finance repairs and improvements to home in preparation for sale and likely future retirement living in a group facility.

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 2016-09-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had several issues with Wells fargo bank. First when they switched over they said that I signed up for things like checking account overdraft and some other programs which I did not. Then they were charging me isf by readjusting the way monies were posted to make it a isf. I have talk to so many representative about these issues and got a different answer are no answers at all. XXXX representative was so disrespectful and unprofessional that I ask for the complaint address. I also believe that they took monies out of my account between XXXX and XXXX. They sent me about XXXX different atm cards at one time said disregard the first ones and sent another set then another set. I was so confused and I never got any straight answers with this bank. I had been with them since XXXX XXXX so I was trying to work with them but I knew they were doing some under handed illegal things. I 'm just glad now that somebody else caught it and did something about it. Please help me with all that you can. I do n't have documents but i can get a print out from the bank from my history. I just want this investigated to see if it was any wrong doing to my account. I always felt it and I knew something was n't right. Please help to to see if i was part of their scam. Thank you for your kind attention to this matter.

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 2020-04-07
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am writing this due to non-compliance with the KIMBALL TIREY & ST JOHN. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST.

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.

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 2020-02-29
Company: EQUIFAX, INC.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX is a result of identity theft there are multiple accounts attached totaling three ( 3 ) accounts. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$0.00} does not belong to me. This account was fraudulently opened through this company in XX/XX/XXXX as well as XX/XX/XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, 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: Account information incorrect

Complaint:
credit bureaus are not updating my information and date of birth is wrong again it should be  XXXX  my address is  XXXX   XXXX   XXXX    XXXX   nc  XXXX  not the other  XXXX  address they have they took off accounts then but them back on why????? please help me fix this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: ENOVA INTERNATIONAL, INC.
State: UT
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I am a victim of identity theft. I learned that my personal information was used to open an account at Cash Net USA. I did not open or authorize this account. 

I filed a police report as well as an Identity Theft Report with both the State Attorney General 's office and the Federal Trade Commission. 

I notified the company by email ( XXXX/XXXX/16 ) and in writing ( XXXX/XXXX/16 ) that the account was fraudulent, provided the Identity Theft Report, and requested police report. I asked that they investigate the matter, close the account, absolve me of all charges, take the steps required under the FCRA and send me a letter explaining their findings and actions. 

They have not responded to my requests and have continued to send me overdue notices on the account.

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 2016-12-26
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My current mortgage servicing company is AmeriHome Mortgage. They bought my loan from XXXX XXXX in XXXX of XXXX. AmeriHome Morgate claimed that they never had my insurance policy paper on file and their escrow department never paid the premium that was due XXXX of XXXX. I ended up paying the XXXX premium out of pocket. See my latest email below to AmeriHome dated XXXX/XXXX/XXXX. It documented the whole ordeal and what I expected from them to resolve the issue. 

==== I have contacted Amerihome multiple times about my property insurance premium issue. Your response below did n't capture what had happened. Let me summarize : 1. The service of this loan was transferred over to Amerihome from XXXX XXXX in XXXX XXXX 2. During the transfer, the insurance document was missed. Even though this is really not my problem ( you should have contacted the loan seller for that ), nevertheless I uploaded on XXXX/XXXX/XXXX the most current policy, which is the XXXX/XXXX/XXXX policy. 

3. I then contacted Amerihome multiple times notify about the policy expiration date. I was told that a request has been made to escrow department. However, no response since then. 

4. To keep the policy from lapsing, I ended up paying XXXX the XXXX policy premium out of pocket, and designated Amerihome as the mortgage holder. 

5. As you can see, I am doing all the tasks that a mortgage servicer is paid to do. From your response below, nothing seems to have happened from Amerihome side. If I did n't take the initiative of paying the premium myself, I shutter to think what would have happened to my coverage. 

6. Let me spell out what I expect from Amerihome. Refund me {$980.00} the policy premium from my escrow account, or pay XXXX the same amount and they will refund me directly. 

7. Notify me via message or phone XXXX by XXXX/XXXX/XXXX about status, or I will log a complaint with XXXX about Amerihome. This will be my last resort, but I do n't see any other options, having had to dealt with your lack of effort/urgency regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card
Issue: Other fee

Complaint:
Hi CFPB, Hope all is well. I am writing regarding my Wells Fargo credit card. It is ironic, now after the truth surfaced regarding the questionable Wells Fargo 's moral compass. I have solicited WF 's help multiple times over the course of the past couple of years, stating over and over how I never needed the card, and barely use it anymore. I was paying the minimum, which is an acceptable form of payment, unless of course the exorbitant interest charges and " late '' fees continue to accrue. Not to mention they reduced my credit limit WITHOUT my consent, seriously damaging my credit. I asked in XXXX of this year what my options were, specifically expressing interest in a balance transfer, or the card they partnered with XXXX. ANTHING to help. While I will give WF credit on their customer service in other areas, I am so disappointed after being a loyal customer for 15+ years there is no option,

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