BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED 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

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reviewed my credit report on XXXX at XXXX, Transunion and XXXX. I discovered I have a fraudulent collection account appearing on my credit report. This is not my account and I have submitted fraud claim to XXXX, Transunion, and XXXX. You are to remove this fraud account immediately before i pursue legal action. Under federal regulations this does not qualify as a " valid verification of debt ". I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C . 1692g ( b ) ( emphasis added ). On XXXX XXXX XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount.

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 2021-10-07
Company: Convergent Resources, Inc.
State: GA
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:
I need clarification as to why is Convergent Outsourcing threatening to hurt my consumer credit report by reporting inaccurate information on my consumer credit report. 

Last activity showing on XX/XX/2021, Nothing is showing for XXXX and 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 2022-09-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
Hello to whom it may concern, my name is XXXX and I am writing to you because what is happening about this case is unacceptable at this point. I purchased an item from XXXX on XX/XX/XXXX of XXXX, the item did not get delivered until second week of XX/XX/XXXX. I paid for this item with my AMERICAN EXPRESS CARD that I had saved in my XXXX ACCOUNT. I received the item completely damaged and had to go back and forth with XXXX to agree to take the item back, after a few months of going back and forth with them they finally accepted the return and reached out to me letting me know they will refund me to my original method of payment. About XXXX weeks went by and I still did not receive a refund. I followed up with them and they told me they released the money back to XXXX, and XXXX SHOULD HAVE RELEASED IT back to my American Express card. I called XXXX they told me they sent it to American Express, I assured them they did not because I never received the money back. I called American Express and they told me they never received the money from XXXX. At this point I was so frustrated because it was a back and forth and nobody was able to tell me where my money is. I had a XXXX way call with both AMEX AND XXXX, and AMEX told XXXX XXXX LOUD AND CLEAR they never received the money from them therefore they are not able to credit me anything back. XX/XX/XXXX XXXX Told me they were going to find out where the money is, it is now been XXXX months later and XXXX has now told me XXXX never released the money back to them. At this point I am tired of this situation and the constant back and forth within the companies blaming each other. I keep paying interest on a money amount that should have been credited to my account months ago and no one is willing to take responsibility for this and give me my money back. Every time I call them they pretend they do not know what happened. The total I need to be refunded is {$1800.00} The XXXX CASE NUMBER IS AS FOLLOWS : XXXX The AMEX CASE NUMBER IS AS FOLLOWS : XXXX The XXXX Ticket rush number XXXX that was supposedly escalated to get me my money back in XXXX hours ) is as follows : XXXX Please help me! I HAVE PROOF IN WRITING THAT XXXX AGREED TO A REFUND SO I WANT TO RECEIVE MY REFUND ASAP BUT AMERICAN EXPRESS SIDED WITH THEM WHEN I FIRSR DISPUTED TRANSACTION SO THAT IS WHY THE MONEY HASNT BEEN ABLE TO GO BACK INTO MY AMEX ACCOUNT EVEN THOUGH XXXX APPROVED IT. AMEX AND XXXX NEED TO WORK IT OUT WITH EACH OTHER BUT I NEED MY MONEY BACK.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-08
Company: Resurgent Capital Services L.P.
State: ID
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 was a victim of identity theft on two separate occasions and my identity and credit information has been misused. I have filed complaints and disputed with companies listed and have not been able to get these resolved! To my understanding some collection accounts have been sold to other companies. I have also reached out to them and disputed. I have also reached out to XXXX, XXXX, & XXXX. 

These include but are not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2021-10-07
Company: Sequium Asset Solutions, LLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive reach out to the XXXX credit Bureau and as well a creditor I dont have any contract the with XXXX I do not owe them any equipment the address that is displayed does not belong to me as well on my credit report

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
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: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
On XXXX XXXX XXXX, I attempted to transfer {$400.00} to my checking account using XXXX Send through Venmo. XXXX Send is described on the XXXX XXXX website as follows : " Eligible Card Members can use the XXXX XXXX XXXX to send money to any Venmo or PayPal user. First, youll need to enroll in Send & XXXX, which can be found in the Account tab of the XXXX XXXX. You can then add money from your XXXX XXXX XXXX to your XXXX Send Account and then send that money to Venmo or PayPal users of your choosing. Any balance loaded to your Send Account appears as a charge on your Credit Card and is subject to the APR of other purchases on your billing statement in other words, its not treated as a cash advance, and you wont have to pay cash advance fees. '' After attempting to use XXXX Send to send {$400.00} to my checking account through Venmo, Venmo showed the transaction as initiated on XXXX XXXX XXXX with an estimated processing date of XX/XX/. This confused me because I initiated the transaction on XX/XX/XXXX. As oXXXX XXXX XXXX XXXX I still have no access to the funds either in my Venmo account or in my checking account, but the transaction has been processed and charged to my XXXX XXXX card. 

I emailed Venmo several times asking if they could explain what the issue was and when I could expect the funds to be available. They ultimately told me I would have to contact XXXX XXXX, which I don't understand because the transaction is processed on my Venmo account, but for a date in the past ( XX/XX/XXXX ) and the funds are not available anywhere. Please refer to the attached screenshots. 

As of this writing, I have been charged {$400.00} by XXXX XXXX and Venmo has not given me access to the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: General Motors Financial Company, Inc.
State: MD
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
MY PERSONAL INFORMATION INCLUDING ADDRESS, FULL NAME, DATE OF BIRTH, SOCIAL SECURITY NUMBER AND DRIVER 'S LICENSE INFORMATION WAS USED TO FRAUDULENTLY OPEN ACCOUNTS, RESULTING IN SEVERELY DAMAGING MY CREDIT PROFILE. THIS HAS ALREADY BEEN A VERY STRESSFUL PROCESS. MY LIFE HAS EXPERIENCED MANY HARDSHIPS BECAUSE OF THIS. PLEASE CAREFULLY REVIEW AND REMOVE ALL INACCURACIES DUE TO IDENTITY THEFT. THANK YOU.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MD
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:
XXXX, Equifax and XXXX is reporting a XXXX XXXX account that no longer exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-05
Company: MARINER FINANCE, LLC
State: PA
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:
Has harrassed me multiple times, even went as far as to pretend they made a lawsuit and judgment on me to attend court, then continue to say they will sue me for debt and that it will hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been banking with Suntrust for years. I had an overdraft alert set up in the Suntrust app. Suntrust app was shut down. It stated I have to login through Truist. My account was over drafted and accrued 9 overdraft fees totaling XXXX dollars. I finally realized today when I checked my account that it had been over drafted. I called the bank and she said they can only refund XXXX dollars. Im a XXXX so I dont get paid a lot. I told them I understand if they cant refund the full amount but please give back more of the money lost. She said sorry I cant do that. I called back later on and I was told they can not refund anymore of the money because of their system. She said it doesnt matter how many times I call. I asked if I could speak to her manager or someone else. She said it doesnt matter who you talk to its not going to change. I was not transferred and she started with is there anything else I can help you with other than you attempting to get a refund. Im furious

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 2021-10-07
Company: ERC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I want to have a written letter stating that when I pay this debt off it will automatically be removed from all of my credit report for all 3 credit breuer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 3. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, LA XXXX 5. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX 6. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Bankruptcy Case Number : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX Account Number : XXXX Please remove it from my credit report. 
8. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX  Account Number : XXXX Delete this account. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
10. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 11. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX 12. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 13. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX 14. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 15. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, LA XXXX 16. there is some inaccurate information reporting. 
XXXX XXXX  Account Number : XXXX Please remove it from my credit report.

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 2021-10-07
Company: National Credit Adjusters, LLC
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: Their investigation did not fix an error on your report

Complaint:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
TransUnion, XXXX, XXXX have been furnishing some incorrect credit informations that belongs to someone else, someone with similar name, or someone with fraud intentions. i have attempted to dispute all the wrong information off my credit profile tirelessly with no decision in my favor. have filed and obtained a full police report on the incident, i have some other documents as well to support my claim. i have attached a copy of police report, i have also attached a notarized copy of my state isued driver licence that bears my legal name, i have attched a notarized copy of my utility bill that also bears the correct name and address of my residence and not all other wrong addresses that are being furnished on my credit profile. the wrong addresses includes ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, AR. 
XXXX XXXX XXXX, XXXX XXXX XXXX, AR XXXX 

SOME ACCOUNTS THAT HAVE BEEN FURNISHED BY THE CREDITOR INCLUDES ; XXXX XXXX, Account # XXXX, opened on XX/XX/XXXX ( {$0.00} ) XXXXXXXX XXXX XXXX account XXXX XXXX, ( {$760.00} ) XXXX XXXX XXXX XXXX, account XXXX XXXX XXXX XXXX {$440.00} ), opened on XX/XX/XXXX XXXXXXXX XXXX XXXX, account # XXXX, XXXX {$780.00} ), Opened XX/XX/XXXX XXXXXXXX XXXX XXXX, account # XXXX ( {$1200.00} XXXX XXXX XX/XX/XXXX child support account # XXXX, ( {$62.00} ) XXXX XXXX Account # XXXX, ( {$110.00} ) XXXX. XXXX XXXX, ACCOUNT # XXXX ( {$67.00} ) XXXXXXXX XXXX, Account # XXXX ( {$840.00} ) XXXX XXXX XXXX Account # XXXX XXXX {$610.00} ) All the above mentioned accounts have been furnished on my credit profile unlawfully ad illegally and violates my consumer rights.they do not belong to my name, i have never initiated those accounts.

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 2023-02-02
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We were one of the 1000s of home owners that were unfairly denied a loan modification by Wells Fargo during the financial crisis that started in XXXX and went thru XXXX. 

We paid a {$6000.00} fee to get the loan modification only it never happened and were not given a reason why Wells Fargo has been ordered to pay home owners a settlement and that they said they have contacted/paid a settlement to most that have been affected, but we have not received any correspondence from them at all

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