BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-11
Company: Resurgent Capital Services L.P.
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Since, XX/XX/2022, RESURGENCE CAPITAL SERVICES has tried to contact me in regards to an alleged debt that they purchased from an alleged original creditor for {$830.00}. In the first 5 days of contacting me, they did not provide proper evidence in sending me a confirmation of the contents pursuant to 15 usc 1692g ( a ). Prior to communication they did not receive written permission to contact me. I have received at least 3 emails, every week from this entity. So far I sent them a letter to dispute the alleged debt demanding they validate the debt within 30 days of receiving my letter.. They received the letter on or about XX/XX/2022. After receiving my letter to dispute, RESURGENCE CAPITAL SERVICES is still attempting to collect via consumer report. I am documenting each individual action taken by the debt collector. I have been harassed and threatened to be sued for months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-14
Company: Intermex Wire Transfer, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by my bank as they were concerned that some of the recent transactions on my account were not done by me. 

After reviewing my account I confirmed that several transaction on my account were in fact fraudulent. 
The transaction details led me to this company as the processor of the fraudulent transaction. 
I contacted them to let them know that my card information was stolen and used with their company to processes fraudulent transactions. 
They were not willing to help at all and even claimed I sent them a copy of my ID to prove it was me that sent the money. I was able to get the phone number and email address that was used by the criminals and neither of which belonged to me. 
I asked for a copy of the ID they claim I sent and the IP address where this transaction originated but they refused to provide it. 
It is very clear that they are party to the fraud and they are more interested in protecting the members of their fraud ring instead of preventing fraud They are treating me like the criminal and the criminal like the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Optimum Outcomes, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
A request for validation of a debt that this company claims that I owe to them was mailed to them on XX/XX/XXXX via certified mail and was delivered and signed for by them on XX/XX/XXXX. That letter also requested that the company have NO further telephone contact with me, but that all communication be done in writing. Since that date, no information has been received from this company proving that this debt is in fact owed to them. Also, they have made 2 additional attempts to contact me by phone at which times, voicemails were left. First time was on XX/XX/XXXX and then again today, XX/XX/XXXX. I want this company to stop contacting me by phone. This account also needs to be removed from my credit report with all 3 of the credit bureaus since they have failed to validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting 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:
I recently relocated to the state of TN. I have debt buyers and collection agencies on my report that are not licensed in the state of TN. Also I do live in TN but XXXX has my address listed inaccurately. I can provide the address which I do not want shared with debt collectors and collection companies. None of the collection companies listed on my report are licensed to collect a debt from this state. I will take action towards this. I tried to dilute with experian but was unable to do so. XXXX XXXX and equifax please delete these debt buyers and collection agencies from my report that are not licensed in the state of TN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: COMMUNITY REINVESTMENT FUND
State: MI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Thank you so much. I am having trouble closing on my refinance with XXXX Mortgage. I have owned my home for almost 4 years now with XXXX Bank at the time XXXX was promoting a company that would help me with closing cost. Community reinvestment fund , inc. I have a lean on my property with them but this dept was not recorded on my credit report. I have called many times over the last Month and Emailed them with no response. XXXX Mortgage has also tried many time to contact them for a 30 day pay off. I really need your help to resolve this as I can not close with out it. 
Community reinvestment is aware I am trying to pay this off, I always sent my payment through the mail but I didn't get a bill on the mail and they wont take your payment over the phone. I am concerned that it will go against my credit I try very hard to keep good credit. Thank you so much for your help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: Experian Information Solutions 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:
THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, XXXX  and Experian removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' 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 2023-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My husband and joint owner of the Bank of America checking account ending in XXXX was given 2 checks by 2 different people. Check # 1was for {$600.00} and check # 2 was {$710.00}. I was first told by Bank of America at the XXXX XXXX in Md that because we didn't have the amount of the deposit in the account the checks could not be cashed. At approximately XXXX I spoke to branch XXXX XXXX and she advised me to deposit the checks and that at midnight it would be clear. This was a total inconvenience. My husband tried to cash checks at XXXX XXXX and was not able to because unbeknown to him his driver 's licensed expires on his birthday ( XX/XX/XXXX ). Ok so surely we thought we thought our bank Bank of America would at least cash the certified bank check for {$710.00}. I was able to get a temporary {$200.00} credit after being on the phone with customer service and demanding a supervisor on the evening of the XXXX. I was sent emails later on XX/XX/XXXX after making the deposit stating that BOA had placed holds on both checks and funds won't be available until XX/XX/XXXX. Now this is unacceptable because the check for {$710.00} is a cashier 's check... it's certified funds which means that the issuer of the check paid XXXX XXXX a fee and the {$710.00} was debited from the issuer 's account so funds are available. I have checked my account and as of XXXX XX/XX/XXXX funds are still not available. I called and spoke to BOA XXXX XXXX who told me that hold can not be removed from the certified check and it went thru the clearing house and hold is on til XX/XX/XXXX and will be available at XXXX on XX/XX/XXXX. He stated that this was from the Federal Reserve Regulation XXXX. I asked XXXX XXXX how fair is this when issuer paid for the certified check. He took my complaint and said he would give it to the BOA Complaints department. Complaint # XXXX I feel that the banks are fleecing the consumer with these fees for certified checks that really are not considered or handled as certified.

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 2022-08-17
Company: PNC Bank N.A.
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX XXXX here in XXXX XXXX, SD. Overcharged me and the mechanic was negligent in the work done. He Left bolts UNTIGHTENED and or loose and the issue had to get fixed at another garage. 
I was told the cost would be {$990.00}. For a New Starter. I talked them down 30 % and I was charged {$700.00}, but I put a stop payment on the check. Because of the Overcharging and the Negligent work. But PNC Bank Did not honor the stop payment. They said the wrong Check number was entered on the stop payment form. But they did not show me the wrong number, and now today they still will not show me the wrong number on the stop payment form. Nor show me the stop payment form. I am not going to pay any mechanic who does negligent work on my car. And the bank has to honor a stop payment for negligent car mechanic work. 
And the bank 's negligence in not honoring the stop payment, is now added to the fraudulent work of XXXX XXXX. 
That Is one issue. 
The next issue with the PNC Bank is that " All of the disputes I Filed were NOT honored ''. Why Not I asked but no answer was offered. 
Like I was not complaining truthfully but falsely. Or Lying about the fraud that was allowed by the bank to go on and on. For Months. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11
Company: EQUIFAX, 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:
THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, Equifax and XXXX  removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-02-07
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:
XXXX XXXX account number # XXXX XXXX XXXX account numberXXXX XXXX account number # XXXX XXXX CARD account number # XXXXXXXX XXXX XXXX account number # XXXX XXXX XXXX account number # XXXX 15 USC 1681 a ( 2 ) ( a ) ( i ) ( 2 ) ( 2 ) Exclusions. The term " consumer report '' does not include ( A ) any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
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:
XXXX XXXX  is reporting a credit card account on my credit reports that are NOT mine. I have reached out on several occasions requesting proof that I am an officer or owner of the corporation who the account was opened for. They have yet to provide such proof. In addition their employees are misinforming and breaking CHASE policies listed on their website. Only an owner, officer of the company or officer with POA can open an account. I have also written to the credit bureaus requesting this account be removed from my credit report as it has damaged my EXCELLENT credit history.

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 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2023 Ive received a hard inquiry on my credit report to all 3 credit bureaus.XXXX XX/XX/2023. I called capitol one stating that it was fraudulent and I had no knowledge of any application for a credit card and someone is using my name for financial gain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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:
I, XXXX XXXX of the XXXX family have been a victim of Identity theft. There are unauthorized fraudulent accounts by the Department of EducationXXXX XXXX on my credit profile that need to be removed immediately.

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 2023-11-08
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 explanation
Consumer complaint received 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
See attached documents. Remove this personal information that does not belong to 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 non-monetary relief
Consumer complaint received 2023-02-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 2020-01-14
Company: Remitly, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was contacted by my bank as they were concerned that some of the recent transactions on my account were not done by me. 

After reviewing my account I confirmed that several transaction on my account were in fact fraudulent. 
The transaction details led me to this company as the processor of the fraudulent transaction. 
I contacted them to let them know that my card information was stolen and used with their company to processes fraudulent transactions. 
They were not willing to help at all and even claimed I sent them a copy of my ID to prove it was me that sent the money. I was able to get the phone number and email address that was used by the criminals and neither of which belonged to me. 
I asked for a copy of the ID they claim I sent and the IP address where this transaction originated but they refused to provide it. 
It is very clear that they are party to the fraud and they are more interested in protecting the members of their fraud ring instead of preventing fraud They are treating me like the criminal and the criminal like the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
PLease take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-25
Company: Nelnet, Inc.
State: PA
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:
Nelnet student loans issued a refund for partial amount of being over paid. In addition, they have for late payments on my account that were clearly and technically on time based on their terms and conditions of me being in school, sick, unemployed or XXXX during the time payment was due. They have not fixed this credit issue and or refunded me all of the amount of being over paid as it still reports to my credit and different from whats communicated to me verbally

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
ining information solely as to transactions or experiences between the consumer and the reporting entity. It is evident that the information in dispute falls under this exclusion.

Furthermore, 15 U.S. Code 1681s-2 emphasizes the responsibility of furnishers of information to consumer reporting agencies. The law stipulates that furnishers must provide accurate information and prohibits reporting with actual knowledge of errors. 

In addition, 15 USC 1681a 2 ( A ) ( i ) supports my claim by specifying exclusions from the definition of a consumer report, highlighting the relevance of the disputed information to this exclusion. 

I am also placing a FTC reference number- XXXX XXXXXXXX so that you can verify the inaccuracy of fraud that is placed on my credit report. 

Now based on the provisions mentioned above, I kindly request an investigation into these discrepancies and urge prompt action to rectify the inaccuracies. As per my rights under the Fair Credit Reporting Act, I also request that you provide me with a written explanation of the results of your investigation.

Enclosed are copies of documents supporting my claim for your review.

I appreciate your prompt attention to this matter and request that the inaccurate information be corrected or removed from my credit report at the earliest.

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 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
As I reviewed my recent report, I have found an erroneous information reporting on my TransUnion Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to TransUnion to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX Balance : {$200000.00}

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 2020-01-14
Company: Second Round Limited Partnership, Austin, TX Branch
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing, again in regards to an issue with Second Round LP. I have received a summons from the courts regarding this account. I have also submitted a letter to Second around LP requesting a proper debt validation. I am attaching a copy of my dispute results from XXXX  which has deleted this account from my credit file. I am also curious as to why the court paper work showing the debt collector as XXXX XXXX XXXX XXXX. I am requesting a proper debt validation be done. XXXX  has deleted this account from my credit file. Proof is attached.

Company response to consumer: Closed with explanation