BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-03
Company: Source Receivables Management LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. I sent a letter to SOURCE RECEIVABLES MANAGEMENT the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means they have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THE ACCOUNT COMPLETELY FROM MY CREDIT REPORT : ( SOURCE RECVB XXXX )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-24
Company: Experian Information Solutions Inc.
State: NV
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 disputed the collection account ( XXXX XXXX XXXX XXXX ) with Experian in XXXX of 2020 whereas Experian said the debt was valid. I disagreed and contacted the debt collector ( XXXX XXXX XXXX XXXX ) directly in writing on XX/XX/2020 demanding and under XXXX XXXX they had 30 days to validate the debt and provide me the supporting documents from the original creditor. The debt collector did not provide me any supporting documents to validate the debt after 30 days thus the debt is no longer valid and doesn't exist. I forwarded the written request and provided evidence and documents that the debt collector did not response and requested Experian remove the item and they refused. Because this item is impacting my ability to find affordable housing its urgent it is removed.

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 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After speaking with EQUIFAX regarding an extended credit lock verification placed on my credit profile which prevented XXXX XXXX  from processing a card conversion and costing me {$95.00} dollars in annual fees, I was informed that for them to remove such lock/alert on my profile I would need to submit documentation for them to review and process. 

I was given their XXXX, Georgia XXXX XXXX XXXX and was told it would take 5-7 business days after receiving a copy of my driver 's licence and social security card for them to complete my verification. Such letter and documentation was sent to them on XX/XX/XXXX through the USPS. On XX/XX/XXXX I tried to get my credit card issue sorted out with XXXXXXXX XXXX, and I was told that they could still not access my credit profile. I was then transferred to speak with an agent at Equifax. 

I asked if they had received my documentation, and after a few brief moments I was told that they did not get anything and that I would need to send it again. On this same date, I re-printed my previous documents and the letter was picked up by USPS on XX/XX/XXXX. It's since been 9 full business days and I called EQUIFAX again regarding my documentation, only to be told once more by their agent and then a supervisor that they did not receive anything and I would need to send everything again for a 3rd time.

I pleaded with them for alternative methods of processes such as a secure fax or online portal where I could upload my documents, and EQUIFAX seems to be stuck in the XXXX, and I truly question their business practices that seem to be run by the most incompetent people in this modern age. Everytime I sent my personal information and social security copies through the mail, I am being exposed to even more changes of becoming a victim of identity theft, something EQUIFAX clearly does not care about, given all their data breaches.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX, Account Number : XXXX Account Name : XXXX XXXX XXXX, Account Number : XXXX XXXX Account Name : XXXX XXXX Bankruptcy : Bankruptcy, Account/Reference # 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 2017-12-29
Company: NATIONSTAR MORTGAGE LLC
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX I paid off my mortgage. I have called and was promised multiple times that I would get the paperwork for my mortgage. 

The latest call XX/XX/XXXX, I was told that the mortgage info for XXXX was not legible and that they requested a clear copy. I was unsure of this since XXXX has been Nation Star for  some time, buying out my mortgage. Now they renamed to Mr. Cooper, I was sent documentation of the loan payments being received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: EQUIFAX, INC.
State: GA
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 strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A checking account was fraudulently opened online with Bank of America using my contact info. I spoke with BofA and they weren't able to share any details of who opened the account or how. I've had my credit frozen with all three credit bureaus for several years. I swore never to do business with BofA again after they wouldn't give me my car title even after my car loan was paid off months earlier. It's not clear if this account was created by BofA or an actual 3rd party pretending to be me. BofA needs to have higher standards for verifying applicants before they open accounts under their name. This is fraud and is indicative of reckless business practices by BofA.

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 2023-06-28
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I don't know anything about this debt or company, XXXX XXXX XXXX XXXX XXXX received {>= $1,000,000} in XXXX money, This company is fraudulent and should be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 implore you to conduct a comprehensive investigation into this issue and promptly correct this mistake. Your swift response to this matter is highly valued and appreciated.

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 2023-06-28
Company: GOLDMAN SACHS BANK USA
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2023 I attempted to activate a monitoring subscription with XXXX Reveal for a security camera purchased by my husband, XXXX XXXX XXXX XXXX. The service did mot work. After contacting XXXX technical support who was unable to resolve the issue, I advised them that I wanted to cancel the same day for unsatisfactory and non performance of service. The XXXX XXXX sounded evasive so in addition to notifying XXXX, I also attempted to dispute the transaction for {$120.00} that was pending on my Goldman Sacs Apple Credit Card. This too occurred on XX/XX/XXXX. The Goldman Sac 's employee identified himself as XXXX and advised that since the transaction only showed pending, he would have to wait to see if an actual charge was billed. My card was charged and a provisional credit was issued on XX/XX/2023. On XX/XX/2023 the charge was put back on my card. I called Goldman XXXX that same day and disputed the charge again. A temporary credit was again issued only to be placed back on my card today. The camera was stolen and I have provided proof to Goldman Sacs that XXXX provided no services to me other than to scam senior citizens. Too, I believe that employees of Goldman may be involved in this scam because on their so called investigative report for this incidence, it clearly indicates that the subscription was activated and deactivated the same day. Our home alarm had been breached twice while we were away for XXXX treatment. We were attempting to get XXXX outdoor camera to identify the responsible party ( XXXX ) but the service did not work. XXXX promoted and advertised the service with the XXXX camera purchased from XXXX XXXX XXXX. Goldman Sacs placed this disputed charge back on my card today, XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: Paypal Holdings, Inc
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
In XX/XX/2023, I received an email from PayPal stating that they would be shutting down PayPal Here Point of Service and that I needed to switch to XXXX in order to continue to receive their services. One of these services was PayPal XXXX XXXX. I was fraudulently less to believe that by moving to XXXX and amassing $ XXXX in annual sales that I would meet their requirements to qualify for working capital loans again. Having transacted that amount, I am still unable to access their working capital system despite 6 previous loans totaling {$45000.00}. I believe their practice is fraudulent, dishonest, and disreputable. I could have switched to another POS service had I not been duped into believing that XXXX was the same as PayPal Here. I'll attach the emails from XX/XX/2023 but the FAQs that originally were linked to those emails and promised XXXX would eventually count towards eligibility are gone. I have phone calls on record with PayPal assuring me that XXXX will be fine once I collect the money through their POS service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: WELLS FARGO & COMPANY
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: Account information incorrect

Complaint:
I have a home mortgage loan with Wells Fargo. In 2014 the loan was modified and I had to go through a trial modification. I paid all the payments in the trial period on time. The payments were no late as it shows on the report. If they were late, my loan would not have been permanently modified. However the credit bureau reports show the payments during that trial period were late and it's hurt my credit rating. I've sent letters to Wells Fargo and to the three credit bureaus to correct this and nothing has changed. I should have good credit but it's not showing up since Wells Fargo has not changed status from late to paid on time.

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 2023-09-05
Company: Experian Information Solutions Inc.
State: FL
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 value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still items to be removed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-09
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My issue with this debt I believe began in XXXX when I discovered via a credit report that XXXX XXXX XXXX accounts had been started in my name using an address I was no longer living at. I have never had a XXXX XXXX plan and have always been on an XXXX XXXX XXXX family plan with my parents and siblings since I was a teenager. That plan is under my parents ' name and I have never had another cell phone that was not on their plan. 

At some point around this time I also received a call from a debt collector ( XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MN XXXX ) trying to collect on this / these account ( s ). When I discovered all this I tried to report ID theft on the XXXX XXXX website, but it said I needed a police report in order to start the ID theft process. When I went to a police station and tried to submit a police report I was told I needed a paper copy of one of my bills that had the account number on it. But as far as I know I had never received any bill because the address used to open the accounts was one I was no longer living in at the time the accounts were apparently opened. 

Subsequently as I was going back and forth between XXXX, debt collector and police department, I saw that on my credit report the debt and the accounts associated with it had disappeared, and there were no outstanding debts listed as being associated with my name or my credit report. Although I had not successfully filed a police report I took this to mean that somehow the companies involved had understood that it was fraudulent debt, and I stopped receiving any contact about the debt from collections. 

However a few years later I once again received contact about what is apparently the same debt from a different debt collector ( JEFFERSON CAPITAL SYSTEMS LLC, XXXX XXXX XXXX, XXXX XXXX, MN XXXX ). I first received contact from them via phone on XX/XX/XXXX but I believe they may possibly also have tried to contact me at my parents ' residence via mailmy parents subsequently forwarded several bills to me from the debt collector. The bills I have on hand are dated XX/XX/XXXX and XX/XX/XXXX but they have sent several others as well. At this point I am once again attempting to navigate the process of disputing the debt and having it removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Torriere Holdings INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Spire Recovery Solution contacted my brother and family members yesterday and the day before about my debt. They have been harrassing them for 3-4 times a day. They do not owe the debt it is I so why are my family members suffering the consequences.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted IC Systems as I was not aware I had a collection account with them. I than asked if I could pay the debt and have them remove this off my credit report. They agreed and I paid my debt and they are now not helping remove this off my credit. I need them to remove this off my credit. I am a Veteran who fought for this country and I hope they can be a man of their word and remove this off my credit.

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 2021-07-23
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX inr has been transferred by wise Their receipt shows that it was done by I had not got money yet I contacted my Bank customer regarding the same and even given them enough proofs but not use They said contact from other end

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : {$2900.00}

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 2023-07-14
Company: WESTERN UNION COMPANY, THE
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
Hello! 
To whom it may concern : My name is XXXX XXXX. I live in XXXX TN. 
On XX/XX/2023 I went to XXXX XXXX XXXX. In XXXX I bought Western Union Money Order for amount {$740.00} ( Serial Number : XXXX ). 
And then I continued shopping in XXXX, during this shopping I lost my money order somewhere. When I realized its gone I went to the person who had sold money order to me. He gave me money order serial number and said that I need to call Western Union Customer Support Center. When I got back home I started to call this Center. I reached out your agent and he said he put stop payment on this money order. He also sent me paperwork that I needed to do and mail it to Western Union. 
I finished this paperwork and mailed it to you. This paperwork was delivered to Western Union on XX/XX/2023, I have USPS Tracking number to prove it. 
So I called WU customer service many times. I also mailed them lots of letters including one with paperwork they requested. They keep ignoring me badly and hold my money. I just think they want to steal my money from my family!!! 
I need your help to get my money back!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am demanding that all innaccurate and unwanted personal information be removed. According to the fair credit reporting act 15 USC 1681. I have the right to privacy.

Also according to 15 USC 6802. No financial institution is not suppose to share my information to third party people.

These are clear violations of my federally protected consumer rights

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 2023-07-14
Company: LEXISNEXIS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
how can you have two customer numbers for same file Customer number : XXXX Customer number : XXXX Delete ALL MY INFORMATION IN YOUR FILES

Company response to consumer: Closed with explanation