BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion already agreed to this acct erroneous and inaccurate here proof. These accounts are not mine, they are inaccurate, unverified and unauthorized. ( Exhibit A ) XX/XX/XXXX XXXX  was removed after I disputed it on XX/XX/XXXX. Transunion has not even responded to me per the law you say you are required to follow from my initial dispute. Your only response was you removing the account. You are required to respond to me within 30 of my disputed. I spoke to a few reps today XX/XX/2022 specifically XXXX XXXX and he stated that you guys added this acct per fdcpa but that law also states your required to respond to my dispute within 30 days. Why didnt you? So that means you as the entity agreed w me the original creditor that this account is unverifiable. Later with it now being the XXXX of XXXX you re added this account back 2 business days later. What changed from then to now. 

With you removing this from my account you admitted to this law by removing it which basically means Transion didnt verify this per law. 
So what made you add this back? 
How you verify it? 
XXXX and XXXX wasnt able to verify it so how were you? 

This abusive act has cause me major financial distress and this is against my individual right to privacy This agency is in violation of 15 USC 1692 ( g ). They were to notify me of this in writing 5 days prior, I was not notified. 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 immediately : XXXX XXXX XXXX The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.-Except as provided in paragraph ( 3 ), the term " consumer report '' does not include- ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device : So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), " credit card '' is defined as the following : The term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.

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 2015-10-21
Company: Empowerment Ventures, LLC
State: NY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have direct deposit with Rushcard, and I was out of town and my card would n't work. When I tried calling Rushcard 's XXXX number, I could not get anyone to answer. My latest deposit should have been deposited on XXXX XXXX, 2015. It was not until I was able to make it back home with no money that I realized that my card would n't work anywhere. Then I discovered I could not access their customer service, and I could n't go to an ATM to withdraw money and I am now behind on all of my bills. I can not get any of my money out from my direct deposit once I finally was able to go online ; it shows that they reactivated an old expired card and placed money on it, but now since I do n't have the card anymore and it 's no longer valid, my money is still locked up in their system! I am past due on all my bills and now I 'm having to borrow money to get to work. Their false promises on social media asking for my name and address and phone number to call me is getting no results, because no has contacted me since all of of this has happened. Please help me recover my hard-earned money ; this is my last resort!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have try & try over the for years to get the the credit bureaus to remove stuff from my credit report but they refuse.I see things such as XXXX XXXX # XXXX & XXXX # XXXX & XXXX XXXX again # XXXX & XXXX XXXX & XXXX XXXX XXXX # XXXX & XXXX XXXX # XXXX XXXX XXXX # XXXX & XXXX # 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 2022-02-23
Company: Genesis FS Card Services, Inc.
State: OK
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 called genesis card services becuase my destiny XXXX was lost/stolen, I was told they'd send a new card I never recieved it, so I called back I was assured i wouldn't need to make a payment until new card arrived and they issued a new card, it's now been 3 weeks and I haven't received it, I can't access the account to pay it without the new card and I called and they say u have to pay a late fee and they can't remove it even tho I can't access the account to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: EQUIFAX, INC.
State: NC
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 Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In 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 my 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. 



In 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 my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX XXXXXXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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. 



In 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 my 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. 



In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A States I have the right to my 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 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 2022-06-21
Company: Experian Information Solutions Inc.
State: AL
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 ACCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX. # XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2022-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 ACCOUNT SHOULDN'T BE LISTED AS CHARGE OFF/COLLECTION WHEN THE BALANCE IS NOT CORRECT OR INFORMATION I HAVE NEVER OWNED THIS ACCOUNT WHICH ITS CLEAR ITS FRAUD OR SOMEONE SCAMMERS AND THESE PEOPLE REUIN PEOPLE LIVES AND THATS WHEN XXXX AND XXXX  DISABLITY COMES NOTHING WAS NEVER OWED ON THIS INACCURATE MADE UP ACCOUNT DELETE THIS INACCURATE INFORMATION 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 explanation
Consumer complaint received 2020-12-02
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I received the attached letter dated XX/XX/XXXX stated that due to a lawsuit against them for putting holds on account back in XXXX, that I was entitled to a {$150.00} credit. That credit went to an outstanding balance of account numbers I did not recognize. I immediately called Wells Fargo and inquired about the letter because I did not recognize the closed account numbers. The person I spoke to explained the letter and could not find any account in my name that those numbers belonged to and needed to do some additional research because I was the rightful owner of the {$150.00} refund. However, today, XX/XX/XXXX, I received a called from Wells Fargo stating that he did further research and the {$150.00} went to an old defunct Wachovia Bank account that he claimed had a negative balance. If the account had a negative balance why was the account transferred over to Wells Fargo Bank who took over the old accounts of Wachovia if there was a negative balance? He had such a smug and sneaky attitude and wanted to send me a XXXX statement stating there was a negative balance. If that was true, why no one ever contacted me to let me know? I advised him not to send anything to my house dated XXXX. I contacted Wells because I did not understand the refund letter nor recognize the account numbers supposedly the {$150.00} refund was sent.

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 2020-01-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My refinance escrow closed on XX/XX/XXXX and the escrow company ( XXXX XXXX XXXX, XXXX ) paid the first half XX/XX/XXXX-XX/XX/XXXX property taxes through the escrow process. This has been verified by a phone call to the XXXX County Tax Collector  as well as a visit to their office. The escrow company collected {$360.00} for prepaid interest ( {$17.00} per day from XX/XX/XXXX to XX/XX/XXXX ). They also collected impounds of {$210.00} for homeowners insurance for 4 months and property taxes of {$110.00} for 5 months property taxes for a total of {$590.00}, but show an aggregate adjustment of {$410.00} for some reason, which leaves a total of {$390.00} that went to PHH Mortgage company for my impound account and shows that total on my first statement from them ( dated XX/XX/XXXX ). I made the first payment of {$910.00}, mailed XX/XX/XXXX ( and received and processed XX/XX/XXXX ) which includes {$170.00} for escrow and the rest for principal and interest. I received my next statement from PHH dated XX/XX/XXXX, showing impounds now at {$560.00}. It also showed a payment to the XXXX County Tax Collector in the amount of {$730.00} from PHH on XX/XX/XXXX. My next correspondence from PHH was " Your Initial Escrow Statement '' dated XX/XX/XXXX indicating I had a shortage of {$720.00} and if I didn't pay the shortage, my payment would increase to {$930.00} on XX/XX/XXXX. I immediately called them and spoke to them and they directed me to their tax collection department XX/XX/XXXX informing of the error and they instructed me to fax all my information to them ( at XXXX ), which I know they received because they had my last name wrong and that was included in the fax and they have since corrected it ( as per the PHH letter later XX/XX/XXXX, that only spoke to correcting the spelling of my last name ). I even included a copy of the XXXX County tax bill which showed the first half taxes were paid XX/XX/XXXX through the escrow company. No response on the tax payment issue. I paid the next payment of {$910.00}, received and processed by PHH on XX/XX/XXXX. The next correspondence I received from PHH was my monthly mortgage statement dated XX/XX/XXXX which shows an impound balance of {$9.00}. I went to the XXXX County Tax Collector 's office on XX/XX/XXXX and the only payment showing on my property taxes were the {$730.00} sent in by the XXXX XXXX XXXX. So where are my impounds PHH supposedly sent to the XXXX County Tax Collector? I overnighted a letter again to PHH to their office in XXXX, NJ, received and signed by them on XX/XX/XXXX and have not received a response from them. I am having trouble scanning documents to the size you have allotted, but can send later.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed this several times and was never sent any validation for this account. This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate this company provide the information that they used to verify me as the owner of this account or delete this negative account from all three credit bureaus as soon as possible. They have 5 different negative accounts on one Report and 3 different negative on the other report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: WELLS FARGO & COMPANY
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: Old information reappears or never goes away

Complaint:
the following credit cards opened on my name and it is on my credit report, I never used or opened this credit cards AMER SVC COXXXXWF HOME MTG XXXX XXXX XXXX limit {$XXXX}. 
XXXX XXXX XXXX $ {$XXXX}. 
XXXX XXXX {$XXXX}. 
XXXX XXXX/XXXX {$XXXX}. 
XXXX/XXXX {$XXXX}. 
XXXX XXXX {$XXXX}. 

- XXXX Credit Card was opened on my husband 's name, also I was not aware I am on this credit card, please advise - AMER SVC CO/WF HOME MTG - it was a mortgage company, please remove Regardless, 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 explanation
Consumer complaint received 2022-02-23
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
Received a letter dated XX/XX/22 from Transworld Systems Inc. that I owed a debt of {$400.00} to XXXX. I called TSI on XX/XX/22 to inquire what this was for. The representative said it was a customs duty fee that I must pay. I explained to him the situation as I had used XXXX to return a shipment to XXXX, and that shipment was refused and sent directly back to me without my knowledge. The representative immediately was on the offensive, telling me it doesn't matter that I didn't ask for it to be returned to the U.S. He stated that this was like any other 'fine ' from the government and I must pay his collection company now. He did not log my dispute and simply move on for further investigation. I hung up the phone and called XXXX, and gave their customer service the same explanation. The reasoning was found sufficient and the charge removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Progrexion Holdings, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I Have noticed that I have loans and accounts that are appearing on my XXXX  XXXX account that I didn't complete. I used a system called credit repair and was under the impression they were fixing my credit. After applying for a loan as a first-time buyer I discovered that I was denied more than once. I was sent fake updates and credit reports that made me believe that Credit repair was actually fixing my credit. Then started to get reports that I would qualify for refinance loans shortly after that. All of which I never applied for. This becomes a big head ace because I thought i was working on fixing my credit but in fact, was just scammed. While in search of a new home i use XXXX XXXX as a place to find local homeowners that were selling their homes. In the search on the XXXX marketplace, i was charged XXXX XXXX  which would lead to multiple charges. This was to seal my credit card information. this was to apply for reaccuring payments on my account. This left me wiped out and destroyed my finances. More than one account was opened and in more than one state.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-20
Company: Experian Information Solutions Inc.
State: PA
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:
No answers nor responses and Bankruptcy was NOT removed off ALL my 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 explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called Equifax on XX/XX/2022 to request that my credit report be made avialable to my mortgage broker. I was told that there was a fraud alert on my account and that I needed to send the following : Copy of social security card, copy of ID and a cover letter explaining what needs to be done. 
I sent certified mail on XX/XX/2022 with the requested info. USPS tracking number XXXX. 
I was told that it would take XXXX to business days to process my request. This has not been the case and they keep telling me that they haven't received any documents from me even though I have a confirmed delivery from USPS almost 20 days ago. 
This is the XXXX time they have put me through this routine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax And XXXX XXXX Are Reporting Negative Information On My Credit Report That Is Over 10 Years Old And Closed Over 10 Years Ago. I Have Tried To No Avail To Get This Damaging Information Removed By Contacting Equifax And XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Experian Information Solutions 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:
I have tried multiple times unsuccessfully to have the reporting of my student loans corrected at all three credit agencies. In response to my inquiries I receive form letters denying this correction. There are 12 separate listings, some are repeats of same loan, on each report of XXXX, Experian, and XXXX. 

Each contains multiple errors such as listed as still open and 120 days past due even though paid in full in XXXX, amounts incorrect, status incorrect marked as open when closed and multiple are over 7 years since first delinquency. 

Please help me correct these reportings. I was behind in my payments in XXXX due to personal illness and went through the loan rehabilitation process and consolidation process. My loans have been current for over 5 years yet these older accounts still remain as currently past due. 

XXXX does not respond and just sends form letters and adds comments stating verified by grantor.

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