BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: FISERV INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sometime in XX/XX/2021 I received a collection notice from TRS Recovery Services stating they were attempting to collect a debt on behalf of XXXX XXXX XXXX, in the amount of {$200.00} for a transaction initiated on XX/XX/2021. I immediately disputed the debt because I had never conducted any money transactions there. They continued to harass me after I disputed the debt. Finally, on XX/XX/XXXX, they provided me with a copy of the transaction and it WAS NOT INITIATED OR SIGNED FOR BY ME! It turned out that my husband did it. They NEVER sent a notice to him! They said " well isn't it a joint account? '' I advised that even if it was I did not make the transaction so why am I bring penalized? Finally I filed a document with their forgery dept as advised and they sent a letter saying they agreed it was not me and they would return the debt to telecheck. At the end of XXXX my husband died of XXXX at the age of XXXX. They never did try to collect from him or reassign the debt appropriately. Now almost a year later Telecheck gave it to another collection company, XXXX XXXX XXXX and I'm right back in it again. And since Telecheck is stating the debt is mine I have been unable to open a checking account and close thr joint one. I am unable to write checks it's been a nightmare!! I realize that I may be responsible for his debt but that's different issue and I should not be marred by telecheck and harassed by their collection agencies!!

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 2017-03-18
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This, supposedly, is a medical collection that was contracted out to a collection agency. I have no idea of who this company is or what debt they are attempting to collect on. This is a violation of my HIPAA Rights. Remove completely from my credit file at once.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SLM CORPORATION
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Sallie Mae has continuously called our phone number and we are a XXXX. The person they are trying to reach CAN NOT be reached through this number. Sallie Mae 's representative is aware of this, yet she continues to call and harass employees who are not involved in this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: Comerica
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I found direct express page on tablet on XXXX upted from XXXX about will my check come normal regust direct deposit from a check be charged stop card shows card to open log into account card mine but I never askedpaper check sent direct express I stimulus payment declined not ready not approved I receive XXXX so I think someone stopped card switch a check shows calendar call first week then XXXX and I'm not getting 2 stimulus I don't know what to do so trying this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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 is missing that should be on the report

Complaint:
18 months and problem is still not fixed. I have made several in branch visits and phone calls. On XX/XX/21, I was instructed to mail a letter and was promised a response in 30 days. I have not received anything and the information is still missing. They refuse to speak with me directly, they only accept letters. I have tried repeatedly for over 18 months to resolve this. I have included two letters I was asked to 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 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I file a dispute in regards to the incorrect items on my credit report and it has been well over 30 days and I haven't received any investigation 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 2015-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On XXXX/XXXX/2015, I utilized the trial membership that Transunion offered for a seven day period. I notified Transunion through email that I am not interested in utilizing there product. I also notified Transunion verbally on XXXX/XXXX/2015 that I am not interested in this product due to information was not reporting accurately or being updated in a timely manner. In which I received email confirmation on XXXX/XXXX/2015 and XXXX/XXXX/2015. That the cancellation was received. on XXXX/XXXX/2015, a charge for XXXX was drafted from my checking account. In which I contacted Transunion on XXXX/XXXX/2015 or XXXX/XXXX/2015 and requested a refund. ( the reason for the delay in noticing this matter is My job transferred and I moved XXXX hours away ) So my focus was on packing and moving. So on XXXX/XXXX/2015 or XXXX/XXXX/2015, I called and spoke with a representative regarding my concerns. The representative stated that the proceeds would be credited back to my account within 5 business days. I contacted Transunion on XXXX/XXXX/2015 regarding the same issue, and the representative ( XXXX? ) was rude, unprofessional, and argumentative. I immediately escalated this matter to a manager. The manager advised me that it takes XXXX days for my proceeds to be refunded and acknowledged that I did submit my cancellation. I advised the manager today is XXXX/XXXX/2015, I believe the 30 day window has passed. The manager stated that I should contact my bank, I advised the manager that I will be filing a complaint, because it not the issue of XXXX, its the matter of me complying with the terms and conditions of the trial period and Transunion took it upon themselves to take money out of my checking account after it was communicated in writing that no authorization has been granted to take money out of my account. Also that Transunion acknowledged the cancellation and proceeded to withdraw proceeds out of my account. This is not a banking issue, this is just wrong.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Square Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My account CashApp card and Bank Account was scammed by someone I don't know or has ever done business with name XXXX XXXX, name on the screen is XXXX. I have reached out to CashApp two times and they have failed to respond!

My CashApp account has been hit 11 times, because my bank card was linked to my CashApp card, which was a total of {$220.00} from my bank account alone! Then he hit my CashApp account that had a balance of {$180.00}. I am requesting immediate attention and full refund of {$410.00}. CashApp lacks the compassion and fortitude to protect their customer base! There system is designed to ask you if you wanted to send money to this person as they are NOT in your contact list, however they fail to ask if any transaction are approved before allowing someone to take money from your account. I have advised them I my concerns to the following agencies, as I can not afford to lose {$410.00} due to their lack of accountability I will be reporting this to the XXXX XXXX XXXX, The FCC, and Consumer Financial Protection Bureau. I would like a full refund and I will be closing this account. 
My old CashApp account was under XXXX XXXX. 
I can be reached at XXXX. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
i am filing this complaint because experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts i disputed. 
being that they have gone past the 30 day mark and can not verify these accounts, under section XXXX XXXX XXXX ) ( A ) of the FCRA-they are required to '' ... promptly delete all information which can not be verified. " that i have disputed.Please resolve this manner as soon as possible. Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: HW Holding, Inc
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I was alerted by XXXX that there was a collection in the amount for {$27000.00} by Hunter Warfield. The original debt came from an apartment complex called XXXX on XXXX ( appears to be in XXXX XXXXXXXX XXXX ) I was contacted by the collection agency several months ago about this debt and they said the debt was for a XXXX XXXX XXXX which is not my legal name. I assumed that this was resolved on their end and a mistake. But, the collection hit my credit report. 

I spoke with a representative at Hunter Warfield on XX/XX/2022 and they said they think this is identity theft/fraud as he confirmed the name on the account was XXXX XXXX XXXX but had the last 4 digits of my social security number. I have opened a dispute with XXXX and filing a claim with this bureau as well. 

I have never rented or purchased a home or apartment in XXXX XXXXXXXX XXXX nor did I do any business with this company. I have resided in XXXXXXXX XXXX for the past 14 years. A similar debt collection occurred earlier this year with another apartment complex in XXXX XXXX, XXXX and debt owed. This was resolved and deleted from my credit, but appears to be a pattern going on now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
A fair resolution would be the removal of all unauthorized inquiries. These fraudulent inquiries do not benefit nor were they authorized by me and according to 15 USC 1681 c-2 if I identified these inquiries as fraudulent you have to block and remove them. On several occasions I have sent this bureau a copy of my social security card, FTC report and Drivers license and they refuse to acknowledge that they are reporting several fraudulent inquiries that are defamation to my character. It is also fair to remove all of the derogatory accounts that this entity is unable to verify by furnishing the documents with my original signature. I the original creditor, am submitting this complaint myself. Please do not disregard this complaint as done previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have initiated XXXX separate disputes with Experian for XXXX XXXX XXXX accounts that are reporting on my credit report. The balance, date of first date of delinquency, and status are inaccurate and Experian has sent me documents claiming to have verified it. How is this possible if the creditor has n't verified with me the alleged debtor. The address for XXXX XXXX is NOT listed on my credit report so I googled XXXX XXXX 's address and sent them XXXX letters as well. No response. I feel this company has violated my rights under the FCRA and your ( FTC ) guidelines. Attached is my credit report, letters sent to XXXX XXXX, certified receipts, & letter sent to the credit bureau. I sent a new complaint letter yesterday XXXX/XXXX/2016 via certified mail pleading for the credit bureau to take this matter seriously. 

**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!!

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 2015-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have an alleged XXXX account for XXXX on my Transunion credit report.I have disputed this account several times with Transunion as I have not received notice of debt or notification of my right to dispute. Furthermore, the information reported on the Transunion credit file regarding date of first delinquency varies from the other reports. I have attached copies of each report to support this claim. 
XXXX DOFD - XXXX DOFD - XX/XX/XXXXTransunion DOFD - XX/XX/XXXXThe FCRA requires that accurate information be reported to each Bureau and that each Bureau reports accurately. At this point it is clear Transunion is allowing this inaccurate and damaging information to be reported on my file when obviously it is not correct. The date of first delinquency is a single, historical point an account first came delinquent and can not vary between bureaus. At this point I hold Transunion responsible for reporting this information and for removing it from my credit file. My legal rights as a consumer entitle me to compensation for any damages caused by this information reflecting on my credit file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My child 's identity has been stolen, it shows a XXXX 's credit at XXXX TX, he 's social security number has been used by this person since 2010, I have reported this issue to XXXX. and nobody has seem to help me and my child in this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Sterling Infosystems Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
I applied for and interviewed for a position with XXXX XXXX. On XX/XX/2022 I was contacted by XXXX and told that they were prepared to move forward with an offer however background check information supplied by Sterling prevented them from doing so. After reaching out to Sterling I was told they misspelled my name and there was an item on the report which was not mine. I submitted a dispute for the name and the erroneous negative item on my credit report. This investigation has drawn on and cost me an opportunity at the position with XXXX XXXX. I have attached the email where the associate with Sterling admitted to incorrectly listing my name as " XXXX '' instead of 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 2021-03-16
Company: Neat Capital Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with XXXX XXXX ( who is now rebranding to become XXXX XXXX ) back in XX/XX/2020 for a simple refinance. I was told multiple times that my loan had been approved and was being sent to underwriters for closing, and then I wouldn't hear anything for weeks or months. They'd come back and ask for additional documentation, and we went back and forth in this way probably close to XXXX dozen times, resulting in them pulling hard hits on my credit score for what seemed like no avail. I never saw any documentation, and am frankly afraid that I've shared loads of my personal business with a sham company that never had any intention of granting my loan. It's unclear what the problem is on the back end, because I have stellar credit and plenty of cash, and the property I'm working with is low-risk in a safe neighborhood. I'd appreciate an investigation, because as I scour the internet, I'm seeing multiple accounts of the same situation - people are being led through a " simple '' refinance application and then left hanging to dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : 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 explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent a letter to the credit reporting bureau regarding inaccurate and unknown items I discovered on my credit report. As of today, XX/XX/2021 ( 50 days later ), I have yet to receive a response. At this point, I am starting to feel as if my concerns and requests relating to these items are being ignored. As mandated by federal law, failure to investigate disputed items within 30 days results in the immediate removal of those things from my credit report. Since it has been 50 days, they should be deleted promptly. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2015-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX of 2015 I contacted TransUnion LLC to request the investigation and removal of incorrect information on my credit file. Over several months I received the generic automatic letter that they send all consumers who disputed their credit file. I took legal action and obtain a default judgment against the company reporting the inaccurate information on my credit file in XXXX of 2015. I forwarded a copy of the judgment to Transunion over the last three months and they still have not removed this inaccurate information from my credit file. Transunion keeps sending me the same letter stating that they have verified the account belongs to me and that I should contact the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am writing and putting in a complaint to make Wells Fargo justify and give detailed proof of why they denied me a modification and what they based it on. They told me in both of my meditations in Bankruptcy court, that I would be approved if I submitted the documents they needed. In the XXXX mediation they had the wrong information regarding my salary on the document sent to my attorney. They had a lower amount on their document. My attorney told them the true figure which we already sent paystubs and documents to verify it. They had {$7000.00} of a forced place Homeowners insurance that was on their document. My attorney said that I could get that for less. They told us to submit a new homeowner 's policy and the paycheck stubs proving I made more. ( The paystubs they already had but we submitted them again ). They said I would qualify once they received that. The information was submitted the very next day. 
In the next mediation they said they needed a letter of explanation regarding my quarterly bonuses ( again this was on all my pay stubs that they already had ) .They said that was all they needed and that based on the figures they had I would qualify again. They also said I need to send a new modification paperwork updating the old XXXX. We sent this in the very same day. We were waiting for them to contact us for the next mediation date which the mediator attorney said she would do it for free to expedite the process. Then we got a response that they denied me even though they said I qualified based on all my information. 
They based my mortgage in mediation on XXXX and 2 % and they said the payment would be around {$1000.00}. My attorney said I was paying that to the trustee and there would be no problem. I have never paid late to the trustee. I pay on time. 
The bank keeps sending me statements of XXXX in interest payment for the previous pick a payment loan. They said the new mortgage payment is around XXXX. I do n't know if this is legal when I am in Bankruptcy to send me statements wanting money for interest, etc. 
Also the Vice President said she was investigating the complaint and she was in touch with my attorney which my attorney said no one had ever tried to contact him. 
I want to know how you justified me not getting approved when I was told the figures look good and I would get approved. I want detailed proof and documentation they have why I was n't approved when they said in mediation XXXX I would be.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation