BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
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:
There are many student loans and an acct on my credit report that Do not belong to me I have not applied for these I have not signed for these or applied for these!!!! I have sent multiple letters to bureaus and furnishers but have not received anything back. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXccount Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, 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 a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Speedy cash XXXX This account was open on XX/XX/2019 I want this off my credit I didnt open this account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-02
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I, XXXX XXXX, am writing this complaint for account ending in XXXX. This account was closed by DISCOVER, with no prior communication as to why or when this will happen. This account has been charged off- why you asking me for payments and illegally reporting inaccuracy to my credit report? You have been harassing me everyday with phone calls like clockwork. You are a debt collector calling me and harassing me violating federal law under FDCPA. You are providing false statement/representation by trying to collect amound that's already paid off ( charged off ). You are threatening to contact credit bureaus and damage my XXXX XXXX - Regarding missing payments when this card is charged off. Your attempts to collect debt that is charged off, and now you are trying to double dip and commit fraud. 

They have left numerous messages on my phone and calling me from several numbers and constantly emailing me. 

XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Wells Fargo has reported inaccurate information, late payments, to all 3 major credit card companies. 

The problem originated with Wells Fargo when they failed to notify me, via email, that on XX/XX/21 they deleted my mortgage auto-payments.

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 2023-08-03
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:
This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
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 2023-08-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have persistently tried to rectify an unauthorized account linked to XXXX XXXX on my credit report over several months. Despite my numerous communications through phone calls and letters the issue remains unresolved. This erroneous account has substantially affected my credit score, hindering my ability to purchase a home. 

It's distressing to feel disregarded by such a large institution. I now turn to the CFPB, hoping they can address this significant oversight, as my efforts with XXXXXXXX XXXX  have been met with silence. Their seeming indifference to such a crucial error is alarming, and I believe the CFPB may be my last resort to rectify this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: EQUIFAX, INC.
State: NC
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:
Equifax has been provided all documents, police report information, and identity theft report but refuses to remove : 1. XXXX XXXX XXXX, collections account XXXX is violating my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

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 2021-03-18
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
C/o XXXX Ive sent you guys enough complaints, that this one is different. As always, someone can say, whys he contacting us, guy is cia living in XXXX. maybe at the end of the day, it all comes down to my email address but if I were to give a thesis on my writings not only to you, I in this situation the person place or thing Im complaining about gives two XXXX my email address and therefore, I understand what you guys do. You guys have one job, to protect consumers. I dont think Im being wrong especially when Im writing you about call it legal stealing cash from me. You know, theres an interesting thing about Bitcoin. I know ya never trace any of those digital currencies, thats not the point in Bitcoin world every breathe in a transaction involving Bitcoin, can be traced. And after they told me confirmed on XXXX, I went to three diff finders of transactions so all you need is either the sending or receiving address. I had both and all three websites stated that those addresses dont exist.? And this ignoring me and I mean, were dealing with money and the way their acting just totally XXXX ignoring me? Can I throw an idea out there? Whose to say cash app, didnt create those two addresses on a seperate server told me all the right things confirmed ya prove it no just ignore me. Ya know, do you notice in their interactions with me not ask what address were they supposed to send it too or from. But the screen shots I have, yo if they say we lost it. Thats my fault? But can you imagine er docs were like Ill get to you by two days. And not once say it was my fault in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-09
Company: MONEY SOURCE, INC., THE
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I refinanced my mortgage in XXXX, with the first payment scheduled to be due XX/XX/XXXX. The originator for the mortgage was XXXX XXXX XXXX. Immediately after closing, XXXX XXXX transferred servicing of my mortgage to The Money Source ( TMS ). Subsequently, on XX/XX/XXXX, TMS again transferred servicing of my mortgage to XXXX XXXX  XXXX d/b/a XXXX XXXX ( XXXX ). Since the transfer was barely two weeks before the payment due date, I was unable to make contact with XXXX and set up payments in time. Therefore, I sent my initial payment to TMS on XX/XX/XXXX via my bank 's bill pay. Today I received a notice from my bank stating that the payment sent to TMS was refused because TMS closed the account. I believe this refusal to post the payment was in error, since I should be allowed to make payments to the original servicer for 60 days following the transfer of the mortgage. 

I have since then made contact with XXXX and was able to set up payments. However, I still have concerns that my initial payment, due on XX/XX/XXXX, might be received late due to an error committed by TMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-06-09
Company: EQUIFAX, 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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-03
Company: Experian Information Solutions Inc.
State: OH
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  and account # 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-03-18
Company: Paypal Holdings, Inc
State: HI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Ive used PayPal for the past 3 years now! 2 weeks ago my friend XXXX sent me {$5000.00} over 4 payments, and had his buddy send me another {$1500.00} through PayPal, {$6500.00} total. Luckily I was able to move {$3000.00} if it to my bank account, but {$3500.00} is stuck in PayPal and they arent giving it back to us! XXXX is planning a trip to Hawaii in 3-6 months so he sent me this money to hold, so I could purchase 2 mountain bikes here on XXXX if & when they come on sale. On XX/XX/2021 I noticed there was a hold on my PayPal account and I still have {$3500.00} in there! PayPal notified me they are terminating my account, that they dont want to do business with me any more! I asked them why & they told me that XXXX was suspicious but couldnt tell me how. They said they couldnt talk about his account to me, & Because XXXX sent me money & Im associated with him, they are banning me too! But We did nothing wrong. I have never done any illegal activity ever. On PayPal or in my every day life, I have XXXX kids & an honest job! Im not sure what XXXX is doing but as far as I know he is a good guy too.. What I did do different this time though, was transfer the first {$3000.00} to my checking account with out paying them fees! This time I waited 2-3 days so I wouldnt have to pay the 1-2 % they charge us! I had to verify my account again bc it was the first time I moved money without paying them! I believe this is the reason they terminated my account because they didnt get a Sevice Fee from us and their cut of the {$6500.00}! I have paid PayPal hundreds if not thousands of dollars through XXXX and through them directly over the past 3 years. I have records to prove it.. We are currently living through a pandemic & people are struggling!! Many times looking for money for food, and rent! PayPal is a billion dollar company, why are they allowed to steal money from their customers like this!?? I have heard countless people come out and tell me PayPal has been doing this to a lot of people and there is a good chance PayPal will try to take this {$3500.00} from me in 6 months! Please help, please tell me what I did wrong! I am willing to reverse the transactions, refund XXXX and he can send me a check, but stealing it from us is UNACCEPTABLE.. if they dont want my business I can live with that just fine! I will use a different payment method, but taking our money and banning us at the same time is preposterous!! Help! 
From XXXX  ph XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have filed three credit disputes with TransUnion in regards to a bankruptcy and associated accounts being reported on my consumer credit Public Records profile. My last certified dispute letter was dated XXXX/XXXX/2020. I requested that they provide me the original documentation bearing my signature for this public record and all associated accounts or promptly delete. TransUnion responded to my last request. The response letter was dated XX/XX/2020. TransUnion stated, " Verified AS ACCURATE ''. However, they did not provide the original documentation bearing my signature as requested or provided their verification method each time I have disputed these inaccuracies.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-25
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: 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 and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-03-18
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a letter from Resurgence today with regards to a utility bill that was dated back to XXXX. This original creditor I have not had since XXXX. I read the statute of limitations here on Pennsylvania and from what I have read it is past. I have more than one account with this collection agency of which it also states on the letter. Statement " The law limits how long you can be sued on a debt. Because of the age of your debt, LVNV Funding LLC can not sue you for it, and LVNV Funding LLC can not report it to any credit reporting agency '' I am being informed that because it is now past the time frame that they transferring this debt to someone else. This account is XXXX XXXX. The other account that I have was date XXXX and they are also trying to collect on this account. 
To my knowledge these accounts I have not heard from in over 10 years, now out of the blue they are getting in touch with me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: The Outsource Group, Inc
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kept receiving repeating calls everyday from this company.

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 2021-03-18
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I hope you can help me with the issues am having with the credit bureaus. I have sent in dispute of things are over 7 years and they still havent remove them or sent me anything on them. Why is that? 
isnt it 30 days to reply to a dispute? well it been over 30 and I still have nothing and nothing is done either.Please help me with this matter I would deeply appreciated it.

Company response to consumer: Closed with explanation