BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-18
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Wakefield and Associates at XXXX XXXX XXXX in XXXX Tn is trying to collect 2 debts from me. They are both medical debts. One is from XX/XX/XXXX and the other from XX/XX/XXXX. I had originally made a couple of payments to lower the balance owed to XXXX XXXX XXXX. They sold the debt to Wakefield. Once Wakefield received it, they called me multiple times a day. Once I answered and told them that I would pay what I could, when I could. I never agreed to a set amount. There was one month when I couldn't make a payment due to low hours at my job. After that, they sent me a letter stating that I broke my promise and that they were then going to start charging me interest. I never agreed verbally, or in writing, to pay a set amount. I mailed them a letter requesting copies of the original contract to try to verify if they can legally charge me interest. Under Georgia state law, they must provide me with the original contract that I signed. They failed to do that. Instead, they sent me a statement for each account. In the statements, it shows the original balance, as well as payments that I made. They included a separate paper that shows the amount of interest they have added. They can not legally charge me more than I owe, unless I agreed to pay it in the original contract. They also refuse to send me the original contract, which is a violation of Georgia State Law and Federal Law. I have made them aware of the laws they are breaking, but they insist that the debt is valid and that I have no case. Georgia statute of limitations on medical debt is 6 years for a written contract, and 4 years for an implied promise to pay with no contract. One bill is from XX/XX/XXXX, and one is from XX/XX/XXXX. They continue to drop my credit score each month when they tack on more interest. This is clearly illegal and it needs to be stopped.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to 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 2018-11-18
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XX/XX/18 I filled in all of the information requested of me to obtain my free annual credit report from EQUIFAX. At the end it advised me that I would have to get the report by mail by providing documentation. 

There was nothing wrong with my entries on their online form and Equifax did not state why I was being denied my report. 

These reports are a VERY SMALL price these companies pay for collecting and selling our personal information and this has happened in the past. 

I demand that my credit report be provided immediately without my having to spend time collecting documents and mailing them. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: Lending Club Corp
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: Account status incorrect

Complaint:
As to date the company has not corrected the insult to my credit report although they wrote and mentioned that would rectify this ASAP. The old complaint number is XXXX Lending Club XX/XX/2018 still reads 30 days delinquent. 
I was just denied a loan based upon this finding. 

The error was on the Lenders part due to false information from customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: Certegy Holdings, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I attempted to pay for goods at XXXX with a personal check due to their credit card terminals malfunctioning, When the check ( {$68.00} ) was ran through it was declined with a note that provided no specifics, but gave me a number to Certegy, I called and requested a copy of my profile. The profile also did not indicate any outstanding judgements against me, only mentioned my check writing profile, possible check number, or that it exceeded the store parameters. What the XXXX does that mean. This incident was not only embarrassing, but as a consumer I have a right to know exactly what about my information would seem risky enough to decline a check. I also would like to know how the FTC allows them to be in business and " collect '' consumer information to make a judgement against them, however the consumer can not get any clear answers.

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 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Transunion keeps claiming I have an open dispute every time I request a free copy of my credit report and refusing to furnish a copy on these grounds.

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 2018-11-17
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was already paid for by XXXX. This debt was signed for by my childrens father not me. Commonwealth financial fraudulently purchased this as a debt when it was not. Even there hospital said it was paid. This company does not act on fair credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-17
Company: CAVALRY INVESTMENTS, LLC
State: FL
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:
XXXX XXXX notified me of a Derogatory Mark by a company called Cavalry Portfolio Se that I've never heard of. They are saying I owe {$3400.00} to them and put the mark on all 3 credit bureaus. Date is showing as XX/XX/2018. I've never opened anything at all in XX/XX/XXXX.They call me repeatedly from multiple phone numbers posing as a " local '' number and it's to my mobile number which I use for my business. It's ridiculous being on the phone with potential clients and having the same numbers beeping in. I've said repeatedly that I have no idea what debt they are referring to and to send me something showing my name, and my signature with their company deemed with this ridiculous amount otherwise to stop calling me. I still receive phone calls. My next course of action will be to contact an attorney to handle this if it's not resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/2021, I tried applying for a pre-approval letter to obtain a mortgage and when my credit report was pulled, it showed an arrear of inconsistencies from the 3 credit bureaus. While auditing my credit report, it showed an inquiry from XXXX XXXX, I never contacted or contracted with this company. I contacted XXXX XXXX by phone and letter. This is very frustrating and embarrassing, I tried challenging that they committed identity theft, Accuracy and Integrity but to no avail. My credit score has taking a a drastic hit to the negative, which is now affecting my credit score and worthiness. Now I'm losing out on deals that I was promised. They never supplied sufficient information to me in order to validate the debt, I feel violated because I do not know how they came about my credit and they won't let me know how they came about it. I do not agree with their actions.12 CFR 1022.3 ( h ) Identity theft means a fraud committed or attempted using the identifying information of another person without authority.12 CFR 1022.41 ( a ) ( 1 ) ( 2 ) ( 3 ) Accuracy means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer correctly : ( 1 ) Reflects the terms of and liability for the account or other relationship ; ( 2 ) Reflects the consumer 's performance and other conduct with respect to the account or other relationship ; and ( 3 ) Identifies the appropriate consumer. 
12 CFR 1022.41 ( d ) ( 1 ) ( 2 ) ( 3 ) ( i ) Integrity means that information that a furnisher provides to a consumer reporting agency about an account or other relationship with the consumer : ( 1 ) Is substantiated by the furnisher 's records at the time it is furnished ; ( 2 ) Is furnished in a form and manner that is designed to minimize the likelihood that the information may be incorrectly reflected in a consumer report ; and ( 3 ) Includes the information in the furnisher 's possession about the account or other relationship that the Bureau has : ( i ) Determined that the absence of which would likely be materially misleading in evaluating a consumer 's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living ; and

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. DEPT OF EDUCATION/XXXX XXXXXXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2021-10-18
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 a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am trying to obtain business credit for my company I have started however, when I tried they told me I have derogatory items that I have since started disputing these items as of XX/XX/2021. I have received a few random notifications since but nothing really addressing the issues of my report or even verifications of items! Because of this, I disputed again on XX/XX/2021, XX/XX/2021 and as recently as XX/XX/2021. I am still waiting on responses from either the bureaus or creditors to update me and let me know what they are doing, or if they're even investigating my disputes!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CCF Intermediate Holdings LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX Co bought an old payday loan that had already been on my credit report & paid off over a year ago & theyre REPORTING IT AS NEW & ruining my credit when Im looking for an apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

PXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TransferWise Ltd
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
My complaint XXXX was wrongfully closed by CFPB without all my request for information provided to me by Transfer Wise. 

Please attach the old compliant resolution sought to TransferWise/ Wise Inc Transferwise wrongly terminated my account. 
Transferwise accused me indirectly of money laundering and criminal activities Transferwise i.e Wise Inc took my call of filing appeal and their agent said that they have indicators in system that my account is flagged and it will not be activated After CFPB complaint, Transferwise activated my account. If there were flags and due appeal process followed, my account should not have been reactivated by Transferwise. 

This proves that Transferwise wrongly closed my account, didn't do proper review during their appeal process, targeted me by indirectly saying that I am involved in criminal activities or money laundering when this account is totally new and I have never even had a single audit or question by any govt agency. 

CFPB did not look at my fair resolution before closing my complaint. Please DO NOT close this complaint before checking with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit and personal information has been compromised by the XXXX DATA BREACH. Here is the proof : ( see attached ) My personal data has been effected as well as my social security number being utilized by another party. 

XXXX has refused to delete and remove these accounts from my report. See the following : XXXX XXXX XXXXXXXX XXXX  - Would not provide act # Amount Owed {$190.00} XXXX XXXX XXXX XXXXt Act : XXXX. ( Won't provide full acc_ {$340.00} XXXX XXXX XXXX Amount Owed : {$1100.00} XXXX XXXX XXXX XXXX Amount Owed XXXX. 

Any and all accounts need to be deleted immediately. Many of the past accounts have been paid and the creditors have refused to remove them and/or show proof of ownership of said accounts after they supposedly 'purchased ' said debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have been donating plasma for several months at octapharma plasma center in XXXX, Tx. On XX/XX/23 a withdrawal of {$360.00} was made from my pre-paid Comdata debit card given to me by the plasma center. On XX/XX/23 I called the # on the back of the card to file a dispute for the {$360.00} withdrawal. I spoke with a representative named XXXX who took my claim and said it would take XXXX business days to have the fraud department explore my claim. He kept repeating 21 days over and over and said I would receive an email updating me of the status. The card that was compromised was closed and the issued me another card. I checked my email everyday along with checking my account balance hoping my account would be credited. On XX/XX/23 I called again and spoke with a representative named XXXX who told me I should have received an email on the XXXX of XXXX with an update on my claim. I checked my email, spam and trash over and over and found no such email. I went over my email address several times with both representatives. XXXX said he would put in to have my email resent again so I could find out the status of my dispute. Once again I checked my email and spam everyday for XXXX hours and again found no response. On XX/XX/23 I called again and spoke with a representative named XXXX who gave me a case # but said he was not able to see the email that had supposedly been sent to me reporting my status. By this time I was angry/stressed and unsure of what to do to resolve my problem and didnt know if I was getting my funds back or not. I didnt want to give up so I called XXXX last time on XX/XX/23 and spoke with a representative named XXXX who finally told me my case hade been denied by the fraud department. I just want my {$360.00} back and want justice. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation