BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed 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

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 2023-02-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX I pulled my consumer report from XXXX and TransUnion LLC. I noticed that an unauthorized alleged debt with the balance of {$14000.00} was placed on my consumer report from XXXX dated on XXXX, XXXX, XXXX. I, hereby state as a natural consumer have never authorized or gave consent for this alleged debt that is misleading and inaccurately reporting by this company. I do not recognize this alleged debt, and upon of asking the company for debt validation including my wet signature, thumb print, photo ID, original contract ( s ), my authorization and consent of this alleged debt of {$14000.00}. Instead, they sent to my address a document in which appears to be a computer generated signature and an unfamiliar statement. The document appears to be typed by someone other than myself, a fraudulent signature and inaccurate/misleading information. The company TRANSUNION has yet to respond through the Consumer Financial Protection Bureau and I am very concerned in the way this matter is being conducted. My consumer right as a natural person states that as the original creditor I can only validate debt and this alleged debt does NOT belong to me as I've never given any consent and no consent for it to reflect upon my consumer report. This matter has caused me such stress and anxiety. I have emotional distress due to the fact that this alleged debt of {$14000.00} placed on my consumer report shows that I am not protected as a consumer from TransUnion, XXXX or this company. This alleged debt is causing harm against my livelihood as I can not be approved for lines of credit to support my family or mortgage loans to purchase a home for my family, I have been denied credit and this alleged debt has negatively impacted my debt-to-income ratio and I can not even afford my current rental home. This company has invaded my privacy, is defaming my character and credit worthiness. This company is in violation of 15 U.S.C 1692, 15 U.S.C. 1692g, and 15 U.S.C. 1692e, This company has not sent me any evidence or proof that I signed or consented to this alleged debt or given any evidence requested on my behalf on how this debt belongs to me other than a fraudulent computer generated document with information that does not belong to me, which in turn makes their " verification '' investigation null and void. I will conclude that Transunion and XXXX companies are either unwilling or unable to furnish original FACTUAL documentation with leading and actual evidence of myself authorizing the alleged debt.

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 2021-03-17
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent certified letters requesting validation and have gotten no response from this company. Account has been on my credit report for a long time with no validation nor response from company

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Maximus Education, LLC dba Aidvantage
State: TN
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 placed a security freeze on my XXXX credit report due to previous fraud on XX/XX/2023. On XX/XX/2023 I was alerted to two new inquiries & subsequent accounts on my report for student loans from " Dept. of EducationXXXX '' in Texas, which are NOT my accounts!! ( I am almost XXXX & live in another state. ) I have repeatedly tried to contact XXXX by phone, online, etc. & they have me locked out to dispute this obvious identity theft. Since I established a security freeze prior, they should NOT have even allowed any accounts to be opened or inquired about without contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX I went into the TitleMax of Georgia on XXXX XXXX XXXX XXXX  Georgia XXXX and I made the total final payment of {$1900.00} and that brought my accounts with XXXX balance I have the receipt which states that the account was paid in full and it stated that the title should be returned now once I did that and I went to the DMV they gave me a problem with getting my title with the lien removed because it says that I still have a balance owed. This company has deceptive practices and is trying to keep my car title by overcharging me on a loan that they provided After I came in to pay off the balance I tried to speak with corporate and that to was to no avail. This is my last resort

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They keep calling even after I told them the person that they are looking for no longer own the phone number ask to be removed but they still keep calling at all time of hour. 
( Midland Credit Management MCM )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
ON THIS XXXX ACCOUNT THAT IS ON MY CREDIT, I BEEN DISPUTING THIS WITH THE COMPANY AND WITH THE CREDIT BUREAU THEY HAVE FAILED TO DO A investigation ON THIS ACCOUNT. I AM A VICTIM OF identity theft, I HAVE SENT IN ALL DOCUMENTS TO THESE COMPANY AND THEY ARE MAKING IT HARD FOR ME TO GET A JOB WITH THE FEDERAL GOV BECAUSE OF THIS COLLECTION. 
THE ACCOUNT AMOUNT IS {$1700.00} 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 non-monetary relief
Consumer complaint received 2022-07-19
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone got a hold of my XXXX XXXX  checking account in XXXX, charging varies items from XXXX. XXXX XXXX  kicked back the charges because of proven fraudulent activities. I received multiple inquire alerts requesting products in my name in XXXX and XXXX. I spoken to XXXX on multiple occasions and they keep referring me to the credit bureaus to fix the issue. I contacted Equifax on many occasions, however until recently, I was told to make a CFPB report and send it to Equifax along with identifying information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, 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 checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I received a letter from XXXX XXXX XXXX dated XX/XX/2012 that my accounts are being closed based on information they obtained from a Consumer Report from XXXX XXXX XXXX XXXX. 

I disputed the matter with XXXX, however after their investigation, my acounts were closed. 

I disputed the matter with XXXX XXXX XXXX on XXXX XXXX and received their response regarding information they reported on their consumer report dated XX/XX/2012. 

I filed a police report with XXXX Police Department, in XXXX California, USA of Identity Theft, report number XXXX and with the Federal Trade Commision , FTC XXXX XXXX No. XXXX dated XX/XX/2012. 

I was receiving California State Unemployment benefits that were being deposited to my accounts here and with Wells Fargo Bank, NA. 

I filed a complaint with CFPB against Wells Fargo Bank, NA speratley.

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 2023-01-18
Company: FBC MORTGAGE, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I XXXX XXXX, am a overseas contractor. I been overseas for two years now. I applied for a V. A loan with FBC MORTGAGE LLC out of Florida XXXX I am suppose to transfer home to the XXXX Florida area. Under V.A guildlines I am suppose to occupy the home within 60 days but there are exceptions. While waiting to be transferred my dependent will be ocupping the home. XXXX XXXX, 2023 I was told I need to prove three years of future income. That didn't sound right so I was sent a clause from XXXX from one of their loan officers. I called the V.A and was instructed how to find the complete chapter 4 and was told that section 2. R doesn't pertain to me if I did show a full two or more years of consistent income. I tried explaining that and I wasn't being heard. XXXX kept saying my underwriting has a few friends at the VA that gave her the information she sent via email. I feel like I am being discriminated against and the company is making their own rules towards me when my V.A loan is backed and showing all the requirements they need. ( XXXX XXXX, XXXX  ) My realtor and I called the VA regional office. I told them my situation and read and email from a XXXX XXXX. XXXX ( VA rep ) first informs us that the VA doesn't send email and that a V.A loan does not require a three year work foresee. Nicole does explain that the lender can require this information and the VA can not tell them not to. XXXX did tell me to ask would my initial offer letter will work if my contract was taken out but if that doesn't work what exactly does my employer needs to say with the corrrcy letterhead. I emailed the lender XXXX and let her know thst and I didn't get an response. XXXX did reply to my realtor ( XXXX ) when she informed that I will be trying again with my employer in the morning. 
Today I emailed corporate and CC the V.A. The V.Responsed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day 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 2023-03-06
Company: BARCLAYS BANK DELAWARE
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2022 I attended an event said to be a XXXX XXXX XXXX meeting in XXXX XXXX. If my memory serves me correctly, it was a property resort owned by Wyndham. I along with my girlfriend attended this meeting that was promised not to be a timeshare, but XXXX XXXX. During the process, I placed a {$50.00} deposit using my regions bankcard that somehow was never charged. I was firm about the amount of {$50.00} and never gave permission for a fraudulent charge of {$4600.00} to a Barclays Wyndham Reward credit card. I was told that my credit score automatically got me approved for a card. i was never told or explained to that the company was not accepting my original {$50.00} payment, I was not informed or aware nor did i agree with any other amount or balance being transferred to a credit card that i did not apply for but was told that i was awarded a card. The representatives acted in an unethical manner and scammed my information. On XX/XX/2022, my girlfriend and I completed a rescission on the contact. On XX/XX/2022, I received notification from employee XXXX XXXX that the rescission was approved. Her company 's email address is XXXX. However, we have been contacted by another representative who had us to forward all of the information to him to assist us with another complaint stating that the rescission never happened. We are not responsible for the incompetent or malicious acts of unethical employees. We have been getting the runaround. The salespeople acted unethically and committed fraud. They used dishonest tactics and manipulation trying to force a scam. A call was also made to the credit card company to report credit card fraud. The company is withdrawing the monthly payment from the regions bankcard which on a {$50.00} down payment was authorized, but put the unauthorized balance on their credit card which is being done fraudulently and part of a scam.

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 2021-08-02
Company: Mr. Cooper Group Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We bought a house in XX/XX/2021 and sold our old house in XX/XX/2021. Our mortgage is held by Mr. Cooper. On XX/XX/XXXX our bank ( XXXX XXXX ) created a cashier 's check for {$250000.00} and XXXX it to Mr. Cooper. Mr. Cooper received it on XX/XX/XXXX. The money was never deposited into our mortgage account on that day. Mr. Cooper said they lost our check. It was found 9 days later and they attemped to deposit it on XX/XX/XXXX. In the meantime, our bank put a stop on the check. Mr. Cooper needs to sign an affidavit stating that they destroyed the check ( I was told they did this on the phone ). We just received a letter from them stating they will respond in 30 days. In the meantime our {$250000.00} is in limbo. It isn't in our bank account because Mr. Cooper won't acknowledge that they lost our check, and then that they destroyed it. We can't get access to our money until they do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
I am filing a complaint because Capital One is not adjusting a $XXXX credit that is holding on
my account for XXXX  days. I filed a dispute on XXXX because I did not hear from the merchant
whom I requested a refund. The merchant responded on XXXX with a full refund applied to
my Capital One account. I called Captial One and requested the dispute closed and the account
adjusted since there were now XXXX  credits in the amount of $XXXX for a total credit of
$XXXX still showing on my account - applied by Capital One. I was told it would drop off the
account in a day or XXXX  - not to worry and it was too late to close the dispute. This is not what
Capital One bylaws state. In the Capital One bylaws - Section 11.3.3 Reversal of a Dispute - it
states - If the opposing member as not already moved to the next stage (pre-arbitration) of the
Dispute cycle and neither Member has accepted financial liability, a Member may reverse an
action (a Dispute, a Dispute Response, a pre-Arbitration attempt, or a response to a preArbitration attempt) no later then 3 calandar days after the Processing Date. In Section 11.2.2- It
also states the first day of filing does not count and if the merchant applied the credit the dispute
should be closed.
By refusing to adjust my account, Capital One is holding my ability to pay my monthly bill on time
and in full, XXXX. I pay my account, in full each month.
Since XXXX, I have called Capital One (XXXX) times and each time I was told a different story. They
told me they are waiting for a response from the merchant. They already received a response in
the form a full refund for the transaction in Dispute.
As of today, XXXX XXXX XXXX - my account is still showing a credit for over $XXXX.
Please have Capital One adjust my account immediately and send me written confirmation as to
why they decided this was a good idea when the dispute should have been closed on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions 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:
Id theft victim. Someone used my info at the XXXX I need this info / collection removed please

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, 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 recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
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 response to consumer: Closed with non-monetary relief