BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-26
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:
It appears that my credit/my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute item do not belong to me. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files.XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2021-06-22
Company: ENCORE CAPITAL 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:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A collection debt suit was filed against me in XXXX county court in the amount of $ XXXX was scheduled a trial by judge via XXXX  on XX/XX/XXXX. I. was present for this trial which was by teleconference, the plantiff and also a court clerk were present, but no judge was present.I had made available documents of proof to the court showing that I'm not liable for the debt in question. I had previously disputed it with XXXX, XXXX  and XXXXThey contacted the creditor in reference to the dispute, and it was deleted from my reports.During the teleconference trial the plantiff used scared tactic questioning, disregarded the documents I had made available and stated that XXXX  resolve of my dispute was not sufficient and invalid. He threatened me, by implying he would put a judgement on me if I did not own up to this invalid debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
A lady in XXXX XXXX  had opened several bank accounts and credit cards in my name. It has affected my credit score and my eligibility for certain government programs. 
I have contacted the bank they said it was all cleared up. But l still have it showing to state of PA has statements of a bank account that doesn't exist. My name is XXXX XXXX Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
I have sent many letters with no response. Attached is the letter showing all of the accounts that need to be verified with the creditors. 

Please verify the account number, account type, account status, monthly payment, date opened, balance, high credit, credit limit, past due amount, payment status, last reported date, comments, date last active, and date of last payment. They appear to be incorrect.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and remove from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX 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 2022-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Someone have been applying for credit in my name at the following places - XXXX XXXX XXXX  XX/XX/XXXX th XXXX XXXXXXXX XXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX- - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX  -- XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX -- -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX -- -- - 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 2023-11-29
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2023, my client paid me {$4000.00} via wire from their account at XXXX to my business account at XXXX XXXX XXXX XXXX that was managed by Wise. ( https : //wise.com/ ) Also on XX/XX/2023, XXXX XXXX XXXX XXXX and Wise formally ended their working relationship. 

I received one email message from Wise notifying me about this transition on XX/XX/XXXX : " Your old account details will continue to work until XX/XX/2023. After that, any payments sent to these details will automatically be refunded to the sender. '' Based on this language, it was unclear whether the wire would go through or not. I contacted Wise and was told it would not go through and the money would be refunded to my client within 5-10 business days. By XX/XX/XXXX, my client had still not received a refund, so I escalated the issue with Wise via email and phone, providing official proof of payment as requested. 

It's now XX/XX/2023, and still no refund. I've uploaded requested documents with no followup, and talked to customer support multiple times. No one can provide a date the money will be returned and Wise is refusing to take responsibility for their mess. 

It was only once I quoted Wise 's transaction agreement that a Wise agent started to take my issue seriously : RIGHT TO REFUND You, the customer, are entitled to a refund of the money to be transmitted as the result of this agreement if Wise US Inc. does not forward the money received from you within 10 days of the date of its receipt, or does not give instructions committing an equivalent amount of money to the person designated by you within 10 days of the date of the receipt of the funds from you unless otherwise instructed by you. 
If your instructions as to when the moneys shall be forwarded or transmitted are not complied with and the money has not yet been forwarded or transmitted, you have a right to a refund of your money. 

If you want a refund, you must mail or deliver your written request to Wise US Inc. at XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX or via email through our Help Center. If you do not receive your refund, you may be entitled to your money back plus a penalty of up to {$1000.00} and attorney 's fees pursuant to Section 2102 of the California Financial Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
For the past several months I have submitted several disputes letters to the credit bureaus, XXXX, Transunion, and XXXX. As of today, I have to receive any responses, or notifications regarding the erroneous items disputed on credit file. Per the FCRA the credit bureaus under law have 30-45 days to respond, and I have not received one items from any of the bureaus. I am in the process of financing and this is affecting my financing. I need the credit bureaus to respond, as per the law states.

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 2023-11-28
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from a debt collector XXXX XXXX XXXX on XX/XX/2023 and I responded asking for debt validation because I don't know this company writing me telling me I have money for them, then I got another letter from Resurgent Receivables LLC on XX/XX/2023 responding to me about same alleged debt owing to them and I was not provided with my request documentations for my validation. I then again sent second letter requesting for all those documentation I previously asked for to validate this alleged debt, then I received another response from a Resurgent Capital Services on XX/XX/2023 which again XXXX not get any documentation to properly validate this alleged debt. I then wrote a third letter attempting to request for those documents once again to properly validate this alleged debt and I let them now that If they can not provide these documents they need to cease and desist from contacting me. 
After I disputed this item they went and posted it on my credit report on XX/XX/2023 I saw it on my XXXX and XXXX report which is a clear violation when an item is in dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made a payment to my Wells Fargo home mortgage on XX/XX/2023 of {$280.00}. I was never credited of this payment. My loan was transferred on XX/XX/2023 to XXXX XXXX and this payment {$280.00} was never provided to XXXX XXXX. XXXX XXXX and I had called Wells Fargo Mortgage to see where the amount of {$280.00} was and they confirmed that they had received the payment of {$280.00} prior to the loan transfer. They have not forwarded the payment of {$280.00} yet and can not confirm when they can.

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 2022-09-26
Company: Experian Information Solutions Inc.
State: GA
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, XXXX XXXX XXXX XXXX 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. 


In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX/ XXXX XXXX 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 2023-07-05
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX 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 2022-10-20
Company: EQUIFAX, INC.
State: NY
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:
My name is XXXX XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct. If not, please remove it from my credit report. 



XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number XXXX XXXX Delete this account. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  Account Number : XXXX Please remove it from my credit report. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX  Account Number : XXXX Delete this 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 non-monetary relief
Consumer complaint received 2022-02-13
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: Their investigation did not fix an error on your report

Complaint:
I need you to investigate the following accounts you claim to be accurate on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-05-09
Company: Experian Information Solutions 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:
I have tried for the last 2 year to access my Experian credit report. I have been refused access to my report from Experian and when I have contacted Experian directly via phone they advise that I must sign up for services to be able to access my annual report. When I have tried to pull my report both directly from Experian.com and XXXX. On XX/XX/2018 when I called after having the agent first response your issue is due to " YOU DO NOT HAVE ACTIVE SERVICES. IN ORDER TO FIX THIS WE NEED TO SIGN YOU UP FOR SERVICES. '' When I requested to be transfer to the agent manager he disconnected the phone call.

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 2015-06-23
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been paying for 10 years interest only on a XXXX and XXXX loan.  After a divorce I was able to purchase my current home, but was put into these interest only loans.  After 10 years on paying, XXXX notes on time and never late...they XXXX have changed from interest only - principle and interest only.  My XXXX loan is at a good interest 2.625% which I'm able to make along with the association fee.  My XXXX is the problem at an 8.875% interest, was paying XXXX and has jumped to XXXX XXXX my payment effective XX/XX/XXXX.  I cannot make this payment.  I have tried to ask for help with my XXXX mortgage directly, but they will not help in re-financing the XXXX loan only.  I don't qualify to re-fi the XXXX loans because I have no equity on my home.  I asked the XXXX mortgage if they would consider a principle reduction or forgiveness and they said NO.  For the past 10 years I have paid them responsibly and never been late or ever missed a payment, and now they will not help in any way, shape, or form.  I'm dis-trout in considering short sale and losing my home and having to walk away with nothing.  More so my credit which I have worked my entire life in maintaining an excellent credit and is effecting me to know that my credit will be damaged if I proceed with the short sale.  I have called and have exhausted all avenues to get someone to help me, but no one can.  That is my current situation.  Thank you very much for your attention to this matter!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
On XX/XX/2021 I mailed dispute letters to XXXX TransUnion, and XXXX credit bureaus to investigate some inaccuracies on my credit report. I understand that due to Covid-19 they have been extended to 45 days to respond to my dispute, instead of the usual 30 days ; therefore I waited 45 days. After getting no response from the credit bureaus, I once again sent out dispute letters on XX/XX/2021 to address the urgent matter. Once again, my dispute letters were totally ignored. Today is XX/XX/2021 and I still have not heard anything back from either of these companies. I take my credit report very seriously, and to have my letters ignored twice in almost 4 months, is unacceptable, to say the least. The credit bureaus have failed to follow the laws of the Fair Credit Reporting Act, and as a result, must delete all the disputed items from my report. I have no more time to wait, and I can not afford to bear the continued damaged that these inaccuracies have caused. Please see attached letters for reference. 

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