BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Transunion recently removed XXXX XXXX XXXX from my credit report due to this account being over 7 years old and closed. XXXX XXXX purchased this account from XXXX XXXX XXXX and the pay history is the same. There has not been a payment on this account ever and it has the same payment history and should be removed also due to the account being older than 7 years with out a payment. Please investigate this account and remove and delete this account from my credit report immediately Also I have never been employed by XXXX  XXXX this should be removed and deleted my current employer is XXXX XXXX XXXX XXXX XXXX There are also addresses that should be removed and deleted that do not belong to me XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Please investigate, remove and delete all of this information as it is not accurate

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
, I wrote to the below creditors requesting an investigation into items that I believed were fraud, inaccurate, and falsely reported. To this date I have not received a response. Not only do I believe this to be a stall tactic on their part to grant an additional 30 days to comply with my original request, but I believe it to be a blatant violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy.

Your credit reporting agency has been reporting inaccurate and incomplete account information to my credit file. I am distressed that these referenced inaccurate accounts are on my credit profile. Your reporting agency has failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit information they report and may be liable under 15 U.S.C. 1692g validation of debt. Also, in Fisher v. Equifax Information Services LLC ( D. Ariz. 2018 ), your reporting agency may be liable for false reporting. Credit reporting laws ensure that bureaus report only 100 % accurate credit information.

While these third party collectors attempted to collect a debt that is not mine, they broke 15 U.S. Code 1692k - Civil liability. I am maintaining a careful record of my communications with your agency and the false reporting collectors for the purpose of filing a complaint to the FTC if the non-compliance continues. Like, Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), the below false creditors will be liable for your willful non-compliance. Also, in Fisher v. XXXX XXXX XXXX XXXX ( XXXX XXXX 2018 ), they may be liable for false reporting. I respectfully requested to be provided proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature.

Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.

Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. 
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.

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 2021-07-15
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent XXXX XXXX ( XXXX, TX ) {$500.00} as sublet deposit on XX/XX/2021, via Zelle. But after a few days, it turned out this person is a scammer and I can't reach him any more after paying the deposit. I called XXXX customer service on XX/XX/2021 and reported the Zelle scam. They filed a scam report case number XXXX with Zelle. 

Then I called Zelle 's customer support. I could only reach Zelle 's in-app customer support and they couldn't look up the case number because I was using Zelle with a bank not the Zelle app. They transferred me back to XXXX customer support once they heard that I was using XXXX to send Zelle payments. Finally I got connected with a XXXX customer support who knew what was going on and told me to wait for results. 

Only recently did I receive words from XXXX that Zelle responded on XX/XX/XXXX, that they were unable to return the funds because it was not a scam. How were you able to make that decision without even getting materials from me the victim? 

Here 's all the materials that I can provide via this site to show that this is an actual scam. 

I filed a police report with XXXX PD. More background on the scam : I saw the sublease post on XXXX. Then started texting the scammer with phone number XXXX XXXX XXXX ( now doesn't exist ). After getting the details about the sublease over several days of communication, we had a XXXX video call. Then we finalized on the sublease contract. We both signed and sent the copy via email XXXX ( used for Zelle but now unregistered ). I paid a {$500.00} deposit via Zelle during the signing. Afterwards, the scammer can no longer be reached. Original XXXX  post was deleted : XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
myloancare.com is experiencing issues and this is not the first time. You can't reach them via phone or email and their website is not working.

Company response to consumer: In progress
Consumer complaint received 2023-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
It has recently come to my attention that the IRS, & the SSA, and the federal courts have willfully been making Injurious " presumptions '' which prejudice my Constitutional rights by trying to associate me with the " XXXX XXXX '', which is the all caps version of my XXXX name which is in fact a trust previnusly associated with a " public office '' in the United States government by virtue of the Social Security Number attached to it. Further information is to help clear up any presumptions and set the record straight. 
XXXX. False swearing : ( a ) False swearing in official matters. A person who makes a false statement under oath or equivalent affirmation, or swears or affirms the truth of such a statement previously made, when he does not believe the statement to be true is guilty of a misdemeanor of the second degree if : ( 1 ) the falsification occurs in an official proceeding; or ( 2 ) the falsification is intended to mislead a public servant in performing his official function. I XXXX ; private man ; now make it known to all interested parties : Whereas This Constitution, and the Laws of the United States which shall be made in Pursuance thereof ; and all Treaties made, or which shall be made, under the Authority of the United States, shall be the supreme Law of the Land ; and the Judges in every State shall be bound thereby, any Thing in the Constitution or Laws of any state to the Contrary notwithstanding. [ Article VI section 2 ] Notice of Fair Debt Collections Practices Act ( FDCPA ; 15 USC 1692 et seq ) Violation ( s ) : 15 U.S. Code 1692c - Communication in connection with debt collection ... without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction. 15 U.S. Code 1692e False representation or implication that the debt collector is vouched for, bonded by, or affiliated with the United States or any State, including the use of any badge, uniform, or facsimile thereof... The false representation or implication that any individual is an attorney or that any communication is from an attorney. 15 U.S. Code 1692f A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S. Code 1692g Failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. 15 U.S. Code 1692i Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors. Other violations : 12 U.S. Code 411- Issuance to reserve banks ; nature of obligation ; redemption 18 U.S. Code 8 - Obligation or other security of the United States defined 18 U.S. Code 914 - False personation ; Creditors of the United States 18 U.S. Code 1341 - Frauds and swindles

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: DriveTime
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: Credit inquiries on your report that you don't recognize

Complaint:
It has come to my attention that DT CREDIT has denied me twice XX/XX/2022, XX/XX/2022 of credit. I, the NATURAL PERSON, Creditor, and Applicant, am aware of the letter that was sent to me which is an adverse action pursuant to 15 USC 1691 ( c ) ( d ). As the ORIGINAL creditor, I initiated a consumer credit transaction, using my credit card pursuant to 15 USC 1602 ( L ) making DT CREDIT Union an assignee pursuant to 15 USC 1691a ( e ). I DID NOT fill out a Loan Application because banks can not loan money pursuant to 12 USC 1431. Furthermore, that is an Deceptive Form identified in the FDCPA pursuant to 15 USC 1692j. I DID NOT receive any benefit from that transaction as it negatively impaired my consumer report proving the transaction did in fact go through. It shall be unlawful for any creditor to discriminate against any applicant, with such respect to ANY aspect of a credit transaction as Congress states pursuant to 15 USC 1691 ( a ). Lastly, Congress states " No credit card shall be issued except in response to a request or application thereof '' pursuant to 15 USC 1642. This is my request! It is shocking to me that DT CREDIT takes pride in their ignorance of Consumer Protection. As a result of the adverse action provided to me. I have lost confidence within the banking system

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information that should be on the report is missing

Complaint:
On XX/XX/2023, at approximately XXXX CST, I called Equifax and spoke to XXXX ( employee ID : XXXX ). I was informed that in order for Equifax to update my new permanent address, I needed to supply a cover letter with the request, a copy of my State issued ID, and a copy of my social security card. I refused to send this type of sensitive information over mail because of identity theft concerns or that information getting lost in the mail. I asked Equifax if there was another way to verify and why I could not just update my online account with the new address like I did with XXXX and XXXX. I did not receive a good response and instead the agent repeated the only way I could update my address. Equifax has not earned my trust as a consumer with my sensitive data and I am shocked there are not less burdensome and archaic ways for a consumer to execute this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: SYNCHRONY FINANCIAL
State: VA
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: Card was charged for something you did not purchase with the card

Complaint:
Although I no longer have access to this account, However, the customer service staff at Care Credit gave me the following information. 

I purchased XXXX XXXX from my XXXX ' office, XXXX XXXX XXXX on XX/XX/XXXX, for XXXX. I made generous payments so my balance as of XX/XX/XXXX was XXXX. 

This XX/XX/XXXX- I noticed on my credit report we received from our mortgage company ( much more in-depth ) that there was another charge on the same CareCredit for XXXX. 

I did not make this charge and would like to know where the money was sent. It did not go to my XXXX  's office. I only made this one purchase on this card. The irony is it was paid off in XX/XX/XXXX. 

If you call fraud at CareCredit they say they only have statements 6 months back. If you call customer service who does have access to XX/XX/XXXXthey say you have to call Fraud. Therefore, no one can tell me where the money went. It appears my card was used as a cash advance that I can not understand. And I believe it was my husband XXXX XXXX who did this. I tried to access my CareCredit account online and there was a username saved on the login site that was not mine. It was XXXX. That looks like a social security number. There was no saved PW so I could not log in. Therefore, it would be my IP address which is scary. I would like to know who or what banks made the payments for this second {$4200.00} fraudulent charge ( 1st criminal to pay it back ) and what bank or business received the money? I can not get an answer and need to know who is using my cards and for what purpose.

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 monetary relief
Consumer complaint received 2023-12-15
Company: EQUIFAX, INC.
State: GA
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:
Recently, I received my credit report from your company. After reviewing it, I found that the information you are providing on some items contains not only invalid and incomplete information, but both inaccurate and incorrect information as well. I ALSO NOTICED ON MY CREDIT REPORT THAT I AM A VICTIM OF FRAUD. As you know, all incorrect information MUST be IMMEDIATELY REMOVED from my credit report. As per federal law and the FDCPA, regulation under the following 15 U.S.C. 1681, 15 U.S.C. 1792 et seq.15 U.S.C . 1692g, Validation of Debts, creditors are required to provide this information or release the invalidated debt information from my credit report. You are reporting information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file and on my consumer report at all times. Please delete the following inaccurate information from my credit file and my consumer report. I know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
This complaint is towards XXXX XXXX XXXX agency And the XXXX XXXX XXXX XXXX XXXX 

I've uploaded documents and updated my consumer statement in which The credit reporting agency and Debtor/Creditor are still causing personal and financial injury towards Me as a consumer. XXXX as Violating Consumer Laws Section 15 U.S. Code 1611. 

It states on XXXX This is your history of paying bills on time. Late payments can stay on your report for up to 7 years. This account was open XX/XX/2018 which XXXX as deleted reports from ( XXXX ) and now only showing reporting dates from XXXX. And I have proof of of all reports.Therefore XXXX and this Debtor/Creditor showing action of another consumer law violation section 15 USC 1681B . 

In which I gave no permission to update/Delete any information from my credit report. I Demand for XXXX to remove These Negative items from my Credit report 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 2022-11-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A Bank of America checking account was opened in my name. I never opened an account with this bank. I found out because a debit card was sent to my home address tied to the account. I have tried multiple times to call the bank to report a fraud and end up on hold for hours.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I HAVE REVIEWED MY CREDIT FILE AND CAME ACROSS TWO INACCURATE ACCOUNTS AND AN ENTRY UNDER INQUIRIES THAT IS REPORTING ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND IS IN NO WAY AFFILIATED WITH ANY TRANSACTIONS THAT WAS MADE BY ME. THE ACCOUNTS AND INQUIRY WAS NEVER AUTHORIZED BY ME. I AM ASKING THAT YOU PLEASE LOOK INTO THIS MATTER AND RESOLVE THIS ISSUE BY REMOVING THE DEROGATORY ACCOUNTS AND INQUIRY OFF OF MY CREDIT FILE.

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 2020-11-08
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
In 2015 I was informed by the staff at XXXX XXXX  that they offered a program that would build credit for people like myself with bad credit. In order to get this service I would make monthly payments into a Certificate of Deposit that they would report every month. I was told that this was a loan from XXXX XXXX  and not a savings account. To access these features I had to open a checking account with XXXX XXXX  to transfer payments. 

So I opened the account as directed by XXXX XXXX. After months of making payments into this account I discovered that no loan had actually been given to me by XXXX XXXX. The money that I was giving the bank went into no minimum Certificate of Deposit and the company was reporting the balance of my personal savings account. Which is a major violation of my right to privacy. Banks are not allowed to report the daily balance of a persons personal savings. Loans yes, but they did not give me a loan they only opened a Certificate of Deposit. I immediately asked XXXX XXXX  to close this account and all accounts associated with it. 

XXXX XXXX  then closed the Certificate of Deposit but Continued to report to all Credit Bureaus that a loan was given. No such loan was ever given. I have made several attempts to report this lie to all the major credit agencies. Each time I have reported this to them it is ignored by XXXX XXXX  which is now First Citizens Trust. 

In addition to reporting a loan that was never given XXXX XXXX, they never closed the Checking account that was linked to the Certificate of Deposit. Because they never closed the account. They continued to charge me monthly fees and overdraft. I have tried several times to rectify this with them and each time they have ignored me and violated my rights. Not only did they lie to me about giving me a loan they have also sold a false debt to multiple creditors. 

Since XXXX XXXX  has closed 5 separate collection agencies have contacted me stating that they own a debt from XXXX XXXX. When I try to explain what happened each time they ignore me and each time they all claim ownership of this false debt.

Company response to consumer: Closed with explanation