BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: CAINE & WEINER COMPANY, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is a NEW Complaint filed on XX/XX/2021. 

I have since sent in a Validation of debt letter to the following Company : CAINE & WEINER COMPANY , INC, The information provided was unresponsive to my demands. I demanded proof that I XXXX XXXX owe you CAINE & WEINER COMPANY, INC money, the response I was given via Mail/CFPB responses is not proof that I owe you money. In fact the company name : CAINE & WEINER COMPANY, INC is not even mentioned once on any of the paper work provided. Furthermore, Please provide PROOF OF this alleged item ... Specifically the Contract, Note or other instrument bearing my SIGNATURE, before continuing any collection activities on the account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To whom it may concern, Today Is XX/XX/XXXX I was looking at my XXXX XXXX and noticed unauthorized items In more Inquiry 's I never authorized all seeming to be the same date. I will list the items and date. 

XX/XX/XXXX They are saying I requested the following companies which is all untrue and was never authorized by myself. I will be more than happy to speak to anyone on phone about the matter. 

XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, 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 2020-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I sent letters XX/XX/2020 regarding incorrect and unknown things on my credit report. It's been well over 30days later and I have not received a response yet. I feel like I'm being completely taken advantage of and being ignored of my disputes at this point. Section 611 a states that a failure to investigate these items with 30 days is a reason to remove the items from my credit report immediately. It's been over 30 days so they should be deleted immediately or I will file for litigation due to the stress that you have caused me and my family. My information also could have gotten into the wrong hands due to the XXXX data breach. Please fix this immediately.

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 2023-07-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I have unknown accounts reporting on my credit report. I have attached a statement with detailed information, along with an ftc report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX  XXXX XXXX Balance {$530.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$8700.00} DEPT OF EDUCATION/XXXX  XXXX Balance {$3700.00} XXXX XXXX XXXX XXXX Balance {$150.00} XXXX  XXXXXXXX XXXX Balance : {$500.00} XXXX  XXXX XXXX  Balance {$530.00} XXXX  XXXXXXXX XXXX Balance {$150.00}

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 non-monetary relief
Consumer complaint received 2020-03-31
Company: Experian Information Solutions Inc.
State: DE
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:
Experian is reporting inaccurate late payments on my report. I sent numerous letters stating the reporting was inaccurate and unverified. I requested information as to how they verified the information. They did not give me a response. I received a letter in the mail that they would not re-investigate unless I provide them with proof that payments were made on time. I sent in My bank statements as well as proof of payment received by each creditor. I requested a response back within 15 days. They did not update the information although I provided proof. Instead they sent me a credit report which I did not request. I called in and the agent that I spoke with said that they received my recent proof ( statements ) on XX/XX/2020 however nothing was done to rectify this ongoing issue.

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 2018-03-06
Company: ENCORE CAPITAL GROUP INC.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MCM # XXXX I received a letter in XX/XX/XXXX from XXXX collection agency about a purchased debt from XXXX XXXX for {$330.00}. I was told it was for a XXXX XXXX XXXX XXXX. I froze my credit a number of years ago so I knew the card wasn't mine. On XX/XX/XXXX I started phone conversations. I called XXXX and asked for backup. The company claimed it didn't have any backup that I would need to reach out to XXXX funding but as far as they were concerned the debt was valid. I called XXXX XXXX twice and spoke to 2 different people and they claimed they had no backup other than I was on a file. At this point I called XXXX XXXX and spoke to their rep and the company had shown that I had been offered a card but had never responded and I did not have a record with them. At this point I went back to XXXX and worked my way up through the chain and reached a manager who said that due to no back up being available the debt was closed. I asked specifically " This debt is closed and I will not hear from anyone else and that this discussion ended here? '' The manager confirmed this. About a week after that I received another letter from XXXX offering a discount on the amount owed which I just trashed assuming the matter was over. XX/XX/XXXX I received a letter from XXXX and the cycle had started again same debt /same vendor info. I called XXXX today MXX/XX/XXXX and  spoke to a rep who acknowledged my previous contact history and the cancellation of the debt from XXXX but still went into stock script " why don't you think you owe this debt and how can we resolve this? '' I repeated that if proof of debt can be provided I will pay but until then he should mark this debt as disputed. I asked for his name and mentioned that I was initiating a consumerfinance complaint and he became quite short and abrupt and the call ended. 

At no point have we received any contact from XXXX XXXX saying a debt was owed as we would have resolved way before now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: Data Mortgage Inc.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
The company Essex mortgage has transferred my loan multiple times within the small timeframe and before now it hasnt been an issue. Now they transferred it and I didnt have a clue about it until I went to go and pay it. Now theyve moved things on to a new site where I cant even create a new account or use my existing one. I tried to create one and the site claims Im waiting on a verification. What ever that means, Ive been waiting forever it feels like now. I feel stuck and helpless being that after all the calls Ive tried and emails Ive sent Ive gotten no help or advice. This has been going on for about a week now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items from my report 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 2021-08-04
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: Personal information incorrect

Complaint:
I reviewed my TransUnion free credit report XX/XX/2021 and noticed that my personal information that was requested to be removed and updated XX/XX/2021 has not been updated. I sent TransUnion a certified Mailing # XXXX on XX/XX/2021 requesting that they update my information with the proper identification within seven business days. To date they have not honored either request.

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 2023-09-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my bank account with a promotion that stated I'd receive {$400.00} if I had {$1500.00} in deposits in the first month. I had well over {$1500.00} in deposits but the they switched one of my deposits to the next day and yet I still met the qualifications but didn't receive the bonus. Got a call from corporate telling me I was eligible they would fix it. Week or so later the bonus went in my account I made a purchase went back afew days later the deposit was gone and I was over drafted. Called the bank got the run around for days then was told i didnt have enough deposits but did then was told I didn't use the promo code when I signed up but I did. I used a XXXX add to sign up and copy and pasted the code. So now my account is over drafted and they say I'm responsible and they never gave me the {$400.00} bonus when they did an then took it back. This is the second time I've had a major problem with this bank and now I'm over drafted and can not close the account. Thus is my business account and it is cost me jobs not being able to order parts or anything I need my bank for.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 accounts in question. listed below continue to report on my credit report in violation of federal law. These accounts in question. must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts in question., 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 XXXXXXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the experian equifax and trnsunion, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I am closing out my business credit card through Wells Fargo and they will not honor my rewards points. I have attempted to redeem them and request product from their rewards website and they cancel my orders. They will not ship me anything they will not honor the rewards. They will not let me to cash out my rewards. They will not answer their phone calls. They will not answer emails anytime I do get connected through a phone call they have me on the phone for anywhere from 45 minutes to 2 hours and then call gets dropped or disconnected. Ive attempted for the last 20 days to handle this and they refuse to cooperate communicate and honor my rewards points that I have earned. I just want to redeem my points get the money and products that I deserved and close the accounts out. I will no longer do business with Wells Fargo ever again, but they should not be allowed to treat customers like this.

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 2023-09-06
Company: TRUIST FINANCIAL CORPORATION
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:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

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 2020-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion, XXXX, and XXXX  has failed to provide results of my investigation on the following items : 1. XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. They even dropped a court case against me when they realized that they could not prove this account was actually opened by me. I started disputing this account back in XX/XX/XXXX, but Transunion and XXXX  said they verified the debt. How is this possible when the original creditor could not verify the debt. My last letter in XX/XX/XXXX yielded no response from Transunion and XXXX  to this issue. 
2. XXXX XXXX XXXX - I asked them to send me the signed contract for this debt. I disputed this debt with the XXXX, and they could not provide me with any document that showed I actually created this account. 
3. Unverified Inquiries - I asked them to verify this inquiries were created by me by asking the creditor for my signed application. None of these creditors could provide me with a signed application. Yet, Transunion says they verified these inquiries. 
I did not create these inquiries : XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX/XXXXXXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX - XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX According to the Fair Debt Collection Practices Act, Transunion has broken the following statues : 1. 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 I never received the following from XXXX, yet Transunion is reporting them on my credit. 

2. Failing to follow debt dispute procedures 3. Failing to conduct a reasonable investigation my dispute 4. Failing to correct or delete any inaccurate, incomplete or unverifiable information within 30 days of the receiving notice of your dispute.

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 2023-07-28
Company: EQUIFAX, INC.
State: MD
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX : {$150.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-14
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Tower Loans has been a horrible company to work with from the beginning. They repeatedly use harassing and strong arm tactics for collections. Including numerous calls a day, and calls to other people about your loans before you are a day late.Tower Loan in MS has now pulled hard inquiries on my credit without authorization. This loan was charged off and account closed in XX/XX/XXXX and they still make hard inquiries every couple of months. 

Inquiry details Twr Ln-sys Inquiry from XX/XX/XXXX Finance This inquiry could stay on your report until XX/XX/XXXX. 
Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/XXXX Finance Twr Ln-sys Inquiry from XX/XX/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