BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-11
Company: TransferWise Ltd
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account with Wise US Inc. ( www.wise.com ). On XX/XX/2023, access to my account was deactivated without any warning or explanation. According to the help section you are supposed to file an appeal, but the appeal webpage www.wise.com/appeals does not work. Here is an error message : " An unexpected error occurred. To appeal your account deactivation, please contact us by emailing XXXX XXXX XXXX. '' Sending multiple emails to XXXX XXXX XXXX  does not work either, no reply. According to the Wise , Inc. website, the appeal process takes up to XXXX working days. It has been already about two months, but I still don't have access to my online account, and my funds appear to have been stolen by Wise US Inc .

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had Charged off status on an account that was linked to another positive account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX. this account must be fixed : XXXX XXXX Balance Owed : {$1600.00}

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 explanation
Consumer complaint received 2021-12-15
Company: EQUITY RESOURCES, INCORPORATED
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XXXX, I was behind on my mortgage payments because of temporary unemployment. At the end of XX/XX/XXXX, I complete a FHA partial loss claim, it was processed on XX/XX/XXXX. The partial loss claim provided a way to receive a " loan '' for the amount of {$34000.00} the amount of my I owed my mortgage comapy ( Equity Resources Inc. ). The due date of this " loan '' is the year XXXX. 

This process was supposed to bring my account current with my lender " Equity Resources, Inc. According to this new agreement I was to resume making my monthly mortgage company in XX/XX/XXXX. I have complied with the agreement and have made monthly payments to Equity Resources , Inc for XXXX, XXXX, XXXX, XXXX, XXXX and XXXX. 

The problem is that my monthly mortgage statements continue to indicate my account is in arrears. I have tried over XXXX times to get my account updated in the last 6 months but nothing has been done. My monthly mortgage statements are inaccurate and do not subtract my payments form the outstanding balance. The balance owed grows every month although I am making my payments and have fulfilled my monthly obligation. 

I have checked my name and property address with my state propery tax office and district court. Both places reflect the changes to my mortgage account as of XX/XX/XXXX. 

The end of the year is fast approaching and I fear my tax documents will not contain the correct information. Also, I feel ill-at-ease and in financial/housing limbo every month when I see the rising balance on my account. 

Please help!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX XXXX, but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX 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 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I am filing this Complaint for incorrect and misleading information.

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 2020-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Back during the XX/XX/2019 time period my card was lost/stolen. The person who stole the card proceeded to utilize the card in the state of Wisconsin making a multitude of unauthorized purchases. As soon as I became aware of the fraudulent transactions, I filed a claim with the bank ( Capital One 360 ) and  explained what happened as well as submitted a police report as well as documents showing that I was not in the state of Wisconsin at the time of the transactions. The bank repeatedly denied the claim based on facts that either were not true or did not have anything to do with my case. I escalated the case as far up as it could possibly go but continued to get the same answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute letter XX/XX/2023 with all 3 credit bureaus. I just checked my credit report and see that the item is not listed as disputed. I do not believe that this company is following the law, because 15 USC 1692 E h states communication or threatening to communicate information to any person which is known or which should be known to be false including the failure to communicate that a debt is being disputed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-18
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:
The company above reported a late payment for XXXX 2020. I have requested a history of payments for my review and have yet to receive it. I have disputed this inaccuracy with XXXX Transunion, XXXX, and XXXX with no success. 

According to FCRA laws, I have the right to ask for a fair investigation and have not received one and that is why I am submitting an formal complaint. I want the late payment from XX/XX/2020 to be removed from all three credit reports.

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 2023-01-05
Company: U.S. BANCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I have been speaking to XXXX in XXXX XXXX about receiving a new check XX/XX/XXXX. She said she has a supervisor verify that the check I was mailed, back in early XXXX for closing my account hasn't been cashed. Meaning that US Bank still has my money. ALL I am asking is that I get a new check made out for me.

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 2023-02-10
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file 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 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 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
on XX/XX/2019 someone tried to take out a loan using my information with XXXX XXXX  XXXX/XXXX. i have tried numerous times for XXXX to send a letter to me and the credit bureaus to get this hard inquiry off my credit report and XXXX agrees it is fraud and states they have sent letters to me and the credit bureaus, but no one has received them. i have to have this letter to remove it from my credit and no matter how many times I call XXXX nothing gets resolved.

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 2018-02-09
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Franklin American Mortgage is involved in my insurance claim process since XX/XX/XXXX and  they are not releasing the funds necessary for the home repairs. I have submitted all of the forms they requested, including a signed receipt for the {$10000.00} I paid the contractor upon 50 % of completion of the repairs. They have only release {$10000.00} to the contractor this week but have given me conflicting information about my reimbursement. The inspection of the repairs still hasn't been scheduled even though I put in the request two weeks ago. Last week they mailed me the insurance check back saying that my husband had not endorsed the check, which is false. Both myself and my husband had endorsed it. Then their supervisor called me and said that XXXX had to endorse the check. XXXX ISSUED the check and their name was simply labeled on the check. Every time I call, I get a new excuse and different information as to why the funds haven't been released. The house suffered structural damages so I decided to pay for part of the repairs ( foundation ) out of pocket. Last week for the first time I heard that the invoice I sent signed by me and the contractor had to go through a review process and that would take an additional 3 to 5 business days. 

I have note heard from Franklin American on this issue. They continue to hold on to my claim money and give me conflicting and incorrect information on a daily basis. Here 's the log of issues since this complaint was filed : - I was told last week that an exception request for the reimbursement of the {$10000.00} that I have paid the contractor and provided a signed receipt for, just was I was instructued, was being processed. Yesterday I was informed that it had been denied on XX/XX/XXXX without any explanation. I was then told by the rep that she'd put in another exception request for me referencing the paid receipt. I called back later in the day and was told by another rep that the previous rep " got side tracked '' and never put in a request. So now I have to wait another 3 to 5 business days to have a response from " corporate '' then another 3 to 5 business days for the reimbursement to be processed, assumed it's approved. This is yet another delay tactic to hold on to my money as I had been told that as long as I provide a receipt signed by the contractor I'd get reimbursed. I need this escalated ASAP! How am I expected to get my home repaired and pay my mortgae on time if these people are not releasing the funds?? 


- I have asked to speak with their supervisor and was told that someone would contact me in 2 to 3 business days. My latest request was on Monday and as of today, Friday, nobody has contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 disputed a collection with XXXX, Transunion, XXXX, and XXXX XXXX XXXX over an alleged debt. I disputed the alleged debt on XX/XX/2023 and as of today XX/XX/2023 I haven't heard from the credit bureaus or XXXX XXXX XXXX. I have sent 2 round of dispute letters and have been purposely ignored. 

I requested the following validation of the debt : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.

5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.

6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.

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 2022-10-18
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I have made several contact via mail and phone calls to the Credit Bureau Experian, XXXX and XXXX about fraud and wrong information on my Credit report despite sending all credit Bureau consistent letters and documentation that proves My address and Identity they still refuse to remove these Negative Items that is retarding my ability to obtain financing for my business and lively hood i have been sending letters since XX/XX/XXXX which makes 1 year since i have been sending them letters base on my last set sent XX/XX/XXXX, Experian Strategy seems to be just runs you in circle you send them your Address credential they required by law the refuse to make the dispute then when you call they saying you need to send the same legal requirement that you send them.

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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
After sending complaints here in CFPB these negative items are still reporting and my complaints have never been resolved. I do not have any idea regarding these fraudulent accounts on my credit report. Remove these fraudulent accounts that do not belong to me from my credit report. These accounts are not mine.

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 2022-01-16
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am making this complaint of my own accord and do not consent to verification in response to XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX ; reporting inaccurate information on my credit report. Due to the many errors and derogatory information on this account it was to be removed by law ; as a certified letter was sent requesting such. They did not prove a method of validation with my signature nor any other means of validation. However, it came back " validated '' with the following fields being modified XXXX type of account XXXX actual pymt XXXX activity designator. And they added another line item account from the collection agency as a separate account now listed twice with the same account number. This does not constitute as validation for either. Now instead there are XXXX accounts with infractions. 

Both agencies are in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
XXXX XXXX XXXX XXXXi : XXXX XXXX XXXX open XX/XX/XXXX XXXX. XXXX XXXX XXXX : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX Failure to respond satisfactorily with deletion of the above referenced accounts and a free copy of my report after the changes have been made will result in the above actions being taken against your company ( XXXX ). 

Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). Please note that I am keeping records and communication for the purpose of filling a future complaint and seeking litigation and {$1000.00} per violation. I will be seeking { {$1000.00} } per violation for 1. ) Defamation, 2. ) Negligent Enablement of Identity Fraud, and 3. ) Violations of15U.S.C1692g 4 ). Violations of 15 USC 1681b As I requested prior in writing via certified mail, as well as now here, I will continue to take this item further if needed. Once again, I demand that these accounts be deleted immediately or I will file litigation. As they sold the account numerous times, without my consent or acknowledgement the right to privacy according to 15 USC 1681a ( 4 ) I have never given this company the right to share my information XXXX ) According to 15 USC 1681b ( a ) ( 2 ) nothing can be reported on a consumer report without my written consent.

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 2023-03-14
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX. Certified letter sent to Experian on XX/XX/2023, regarding investigation of a 30-day late regarding : Account Name : XXXX XXXX  Account Number : XXXX XXXX. Received results from Experian that 30-day late was verified, but no proof of the verification/procedure process provided as requested in the dispute letter mailed to Experian.

3. Two other credit bureaus ( XXXX XXXX XXXX ) reporting the above account PAID AS AGREED. 
XXXX. Called Experian Disputes to obtain proof of verification of the 30-day late and did not receive.

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 2022-11-01
Company: Experian Information Solutions 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:
Three Credit Agencies Experian, XXXX, XXXX are reporting false information that is defaming my character. I sent a letter out to all 3 and haven't seen the deletions.

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 2023-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Credit Inquiries From Unknown Sources

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