BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-02
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Transworld system 's XXXX DE XXXX without any notice put XXXX collection on all three credit beauros. I called them they failed to know much except they bought the debt from original creditor and I was living in XXXX in XX/XX/2016 not on XXXX XXXX in XXXX tx. This is all they could give me. Refused to give me any verified Information about account XXXX. They admitted not having a contract with me and not having proof I gave them consent to have my private information. They were noticed they committed identify theft extorting me for money and harmed me putting it on my credit report without proper notice of me owing them any kind of debt. Basically said pay it or sue us knowing it would cost more than XXXX to sue to get it off my report. Original creditor is supposed to be direct energy and I used first choice on XXXX XXXX never lived on XXXX XXXX. They failed to verify I had lived there as well. Texas statute of limitations says 4 years to collect a debt. I informed them they are breaking statute of limitations they didnt care as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 

this is a XXXX  account XXXX this account was closed in 2019 because i paid it off and i was always on time. 

i asked for verification before of the late payment but XXXX transunion and XXXX has not sent me the results of the verification either. 

this account is closed and still shows up as open as well. 

this is hurting my credit score and my financial health and i want it updated to the late payment being removed from my regions 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 2021-01-02
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:
I want to report that my identity has been stolen, a number of accounts had appeared in my credit, in the passed i had lost my wallet but although I reported to the police apparently someone is using my identity to open accounts in my name. 
An FTC report has been summited and is attach to this complaint.

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 2023-10-10
Company: Certegy Holdings, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
purchased XXXX from XXXX XXXX XXXX in XXXX, il on XX/XX/. they took out electronic and then when the check got stuck in the reader the got it out after i left and than took it to the bank and deposited it, so than it came out again on XX/XX/. we i called them the said it would be taken care of in 7 days. it was not so i went to my bank and they took care of it. now they turned the check into a collection agency, so now i can't write checks anywhere. they are thieves.

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 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX [ {$5300.00} ] XXXX XXXX XXXX [ {$2600.00} ] as well as TRANSUNION has violated my rights. These Accounts/Debt is not mine I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.

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 2021-01-02
Company: EQUIFAX, INC.
State: VA
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:
All three credit bureaus have statements of serious delinquency however there is no evidence on my report that supports this statement. I have no missed payments reported on any account in over two calendar years. 

This statement has lead to multiple denials. Additionally, I have asked for erroneous inquiries to be removed from my credit. I have asked both the credit reporting companies and the companies with who the inquiry was made. My personal information has been compromised through Equifax 's data breach and stolen identity. yet my credit is constantly running without any alert of this or calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Resurgent Capital Services L.P.
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: Information is missing that should be on the report

Complaint:
Consumer submitted a request for verification of debt and placed this debt into dispute. However, the companies are still reporting to report. Which constitutes defamation. Please see attached document that was sent to company, where the company has failed to produce such validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to consumer law, they have violated my rights. I asked for my personal information not be shared with any another reporting agency. - [ ] XXXX usc XXXX B : permissible purpose - credit furnishers can not share consumer information without the consent or written permission from consumer ; persons who knowingly and willing obtaining information on a consumer from another consumer reporting agency under false pretenses ) shall be fined under title XXXX ; - [ ] XXXX usc XXXX : rights to privacy. 
Obligations with respect to disclosure of personal information.. they are in violation and I want to persue legal action

Company response to consumer: In progress
Consumer complaint received 2023-05-03
Company: Spring Oaks Capital, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account was sold to another Creditor and now I have two accounts Im axing this can be removed please Sprink Oak capital LLC its already on my credit. This is against the law one or the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: MN
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:
The following account currently listed and showing on my Experian and XXXX credit report is lost/stolen : XXXX XXXX XXXX : XXXX, and the transactions from XX/XX/2023 to XX/XX/2023 for {$260.00} are unauthorized and fraudulent transactions that are not my transactions.

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 2021-01-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no clue about whose account this is! I am clearly sure that I do not own this specific record! I've requested that the leasers send me signed reports that prove I really own this erroneous account but as of now I still havent received any reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX XXXX and I am submitting this complaint myself. These accounts are inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 506b. I have done many attempts to reach out to three Credit Bureaus but they failed to give me any results or feedbacks about this concern, and where is the proof of payment history for this accounts? Here are the following accounts that are needs to correct : 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 2018-04-26
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX, I made two payments via the BarclaysCard US mobile application. One payment for {$2300.00} and the other for {$160.00}. Barclays Card applied the {$160.00} payment and held the {$2300.00} payment. On XX/XX/XXXX, the {$2300.00} cleared my checking account with XXXX XXXX XXXX. On XX/XX/XXXX, the hold on the Barclays Mastercard continued. I contacted customer service on XX/XX/XXXX. They removed the hold and said it would be effective on XX/XX/XXXX. No where in the account opening materials or the account agreement does it disclose Barclays Card UNFAIR, DECEPTIVE AND ABUSIVE PRACTICE of holding a customer 's payment. I have another card with Barclays and am existing customer and this has never happened before or with any other bank.

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 2023-10-20
Company: DISCOVER BANK
State: NY
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 am writing to follow up on the matter concerning my Discover account, which I have previously disputed in my response to the XXXX letter you sent. 

As of the date of this email, I have not received any response or acknowledgment from your institution in relation to the issues I raised in my previous communication. Given the seriousness of this situation, I wish to emphasize the importance of a timely resolution. 

I must reiterate that I am a victim of identity theft, and there is no existing written contract or agreement between myself and Discover pertaining to the accounts in question. The absence of a legally binding agreement, as required by federal laws such as the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ), underscores the need for your institution to provide the necessary evidence and documentation to substantiate any claim made against me. 

In my previous communication, I requested that Discover provide any legal documentation, evidence, or information that supports your claim and establishes my liability in this case. It is my sincere hope that you will promptly address this request to facilitate a fair and just resolution. 

I understand that resolving matters of this nature can be complex and time-consuming, but it is essential that my rights are protected as a victim of identity theft. The FCRA and other federal laws are in place to safeguard consumers from fraudulent accounts and ensure that victims are not held liable for actions they did not authorize. 

I kindly request that you prioritize this matter and provide a timely response, as I am eager to bring this issue to a satisfactory conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-10-26
Company: Experian Information Solutions Inc.
State: LA
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 was directly affected by XXXX XXXX and I have filed for a XXXX loan. I was told by the XXXX they can not pull my Experian file. After 4 days and 6 hours speaking to Experian I was told that they see my report just fine. I told them XXXX cant and neither can anyone else. They agreed to mail it to me. BUT they said that I have had nothing reported to them in over 2 years. I have a mortgage, many credit cards and I just received a loan and another credit card, Experian obviously does not see this as an issue and they will not do anything about it. This has caused me to have my XXXX process stopped and now I have a roof that will not be repaired. Evidently the XXXX only will use Experian. I am also not able to access my credit file at all online even though I joined as a member to get the information. There is an issue here and all they will do is pass me to every department to verify the same information over and over and be told the same thing. It is not possible that none of my creditors are not reporting to them. I called 5 of my credit cards and all say that they report to all 3 agencies

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 2023-10-19
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to the FCRA account # XXXX XXXX  CAPITAL ONE Has Violated my rights. 15 U.S.C 1692g States : Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: WAKEFIELD & ASSOCIATES, INC.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notice from Wakefield & Associates about debt in the amount of {$320.00}. Notice was dated XX/XX/2022. I was given the time to write to them by XX/XX/2022. 

I responded to the Company and indicated that I want to dispute because I I think this is not my debt. I mailed out my response on XX/XX/2022. 

I did not receive any written response from the Company. 

On XX/XX/2022, I was alerted by XXXX that my account was flagged by Wakefield & Associates. 

I believe I have the right to dispute and the Company should have provided me with written response or additional information about this debt before reporting it to a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage XXXX XXXX XXXX XXXX XXXX, TX XXXX was my previous lender. I refinanced in XX/XX/2021 with XXXX XXXX XXXX. Both lenders paid my XXXX XXXX Property Taxes. I have been trying to get the {$2400.00} refund from Freedom Mortgage for over 6 months. This was money taken from my escrow. 

I called XXXX XXXX Assessors office and spoke with XXXX, she said they did not receive the money from Freedom Mortgage. Bottom line I am asking for your help to get the money owed from Freedom Mortgage.

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 2023-05-03
Company: CreditNinja Lending, LLC
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
today, Wednesday XX/XX/2023 at XXXX XXXX my son XXXX XXXX received several phone calls from XXXX. He eventually called them back and they identified themselves as XXXX XXXX and they told my son they were looking for me as they were trying to collect on a loan from CreditNinja and they were getting ready to take me ( his mom ) to court and they would garnish my wages. They then verified my mailing address with my son and told them he needed to have me call them immediately before they call my employer and garnish my wages. 
I receive several phone calls from this number several times a day leaving harrassing messages. 
At XXXX XXXX my former employer received a call from this number and left a message that they have an important legal matter that directly concerns XXXX XXXX and they needed to have me return their call asap.

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 2023-06-24
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:
I am interested in processing disputes on my credit report to delete and remove all inaccurate information submitted on my transunion credit report. this issue has been holding me back an caused alot of denials. review an remove all invalid data asap.

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