BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: Conduent Incorporated
State: AL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Ok, so my sister created my username and password for me and that was fine with me! Then sometime, a good while before XXXX ( I don't remember the dates and can not look as they have me totally blocked from all account access ), I was just browsing my account and switching my personal information to the accurate contact info, and then all of a sudden my card and account are completely locked, blocked, frozen, however it is whenever you can't even log in! So I called customer service and they were asking me what my previous username and email and phone and stuff were so I told them. To the best of my abilities, not knowing that it was going to be wrong. So I immediately call and I tell my sister what had just happened and when she told me what she provided to them for my personal information, it's the exact same things I verified with the fraud management department! So at this point, they tell me I have to submit proof of identification and social and birth certificate. So I send them what they ask for and then they tell me that I did not pass their identify verification process and that I have to call the SSA, go through what they called a XXXX  process, have SSA fax them the results, and then I should gain back my account access. After speaking with the SSA I learn that they do not and will not fax anything on behalf of anyone. I'm really lost in figuring out what to do about this. Please help me out! Thank you! 

P.S. XXXX  forgot to mention that there are also over {$5000.00} in unemployment benefits accrued too, or should be anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: ZWICKER & ASSOCIATES
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX, XX/XX/21, XX/XX/21, XX/XX/21, XXXX company calls from different numbers all rigged to show up as XXXX XXXX on caller IDs. 

During the first call the company XXXX Zwicker and associates ) claimed to be working for XXXX XXXX, and that if I paid my debt it would not be reported to credit agencies as collections. I calledXX/XX/XXXX at this time and was told my debt had already been sold to a third party ( Zwicker ) and that it would/had already been reported to credit agencies. 

This company is putting elaborate efforts to mislead consumers about the state and nature of the debt is owns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and remove them immediately in my report : 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 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX AL XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$5700.00}

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 non-monetary relief
Consumer complaint received 2022-09-13
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
1.I have never had an account with this company XXXX XXXX XXXX REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are XXXX/ASHLEYFURN-DSG the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.

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 2023-01-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/2023 I sent a payment of {>= $1,000,000} to Capital One XXXX XXXX. Along with the following paper work. Authenticated Birth certificate, Power of Attorney. All documentation Notarized and Authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: EQUIFAX, INC.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is a complaint against Axos Bank. I strongly feel that I have been XXXX  and harassed, and treated unfairly by this bank. On or about XX/XX/2021 I opened my account and was constantly having issues with their Customer Service representatives who do not conduct business in ethical/respectful manner. The CSR told me he is working from home and had made fools of customers in his last Insurance job, and asking me personal questions, passed remarks which made me very uncomfortable. I requested to speak with the Supervisor. After weeks of waiting I got a random call from Axos Bank, the person named " XXXX  '' called and I told him about the interaction I had with his agent, he basically laughed and joked about it. I asked to speak with his Manager and he refused. 
On XX/XX/2021, I called Axos Bank inquiring about a check. The CSR who answered the phone seemed very agitated and angry. She said why I was calling, I asked her when is this check going to clear and be available in the Balance, She responded, I forgot to verify you even though I came verified over the automated system. After verification, she said which transaction declined from merchant. I reminded her politely that this is not the reason I was calling, but rather is about a check clearance. She immediately got very upset and start raising her voice. I requested to speak to her Sup, she refused. Call ended. 
After 5 minutes I got an email from Axos Bank that they are CLOSING MY ACCOUNT. I feel this is a retaliation and I was just been honest and transparent in letting the CSR know the reason of my call. This is such a dishonest, unethical and unprofessional way of conducting business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Since XX/XX/2021, Transunion is the only credit reporting agency that is maintaining an incorrect HARD INQUIRY on my credit report. 

I have NO relationship with XXXX XXXX XXXX yet a HARD INQUIRY has been reported on my account for XXXX XXXX THIS IS INCORRECT. I have repeatedly asked them to remove this hard inquiry with no success. 
I have asked for copies of any verification document showing any such relationship, credit offer to me, etc. and Transunion has failed to send me anything. 
TransUnion ignored my requests and disputes and continues to report this incorrect information that hurts my credit score. 

Despite my notices to TRansUnion that this is incorrect and my requests for investigation, THIS INCORRECT INFORMATION HAS BEEN REPORTED EVERY MONTH ON MY CREDIT REPORT FOR ALMOST TWO YEARS by TRANSUNION.

I would like this hard inquiry immediately removed as it is INCORRECT and has lowered my credit score for almost two years. 

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 2023-01-16
Company: SANTANDER HOLDINGS USA, INC.
State: NC
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:
Santander Consumer US, a subsidiary of of XXXX XXXX  was apart of a national lawsuit involving unfair and illegal tactics handling, updated and furnishing inaccurate information regarding consumer reports and information. Please DELETE from all consumer reports IMMEDIATELY. 

SANTANDER XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-04-01
Company: WELLS FARGO & COMPANY
State: RI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX Wells Fargo accessed my bank account and debited a second auto loan payment. The payment I authorized and submitted Had been completed on XX/XX/XXXX. This was a second and completely unauthorized transaction that Wells Fargo claims is a glitch in their stand they have no timeline on when it will be remedied. This affected thousands.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, please remove them as quickly as possible and send me a copy of my new, accurate credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-09-29
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2021 l requested validation of this debt. I received a settlement of debt offer letter. Per 15 U.S. Code 1681b - Permissible purposes of consumer reports. I am requesting that this be removed from my report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22
Company: JPMORGAN CHASE & CO.
State: CA
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:
Fraud use and access to a many of my personal accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-20
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
When I tried to trade in my vehicle for a new vehicle I received a message from Navy FCU. 

Your application is still pending. The XXXX XXXX XXXX would like to advise that conditional approval is granted for {$45000.00} pending that the following is completed : - Provide the missing title for loan # # # # #. Navy Federal Credit Union must be listed as the lien holder. You may take the XXXX recorded title to your local Navy Federal branch or mail it to our title processing center : XXXX Navy Federal Credit Union, XXXX XXXX XXXX, XXXX XXXX, PA XXXX. We can not accept a faxed copy of the title. 

- If you are unable to provide the title for loan # # # # #, the loan must be paid-in-full or refinanced into an unsecured XXXX XXXX loan. Please be advised that the refinance application will be subject for review by our XXXX XXXX XXXX to determine if you qualify for the loan amount, monthly payment, and interest rate applied. 

Please respond within 14 days of the original date of application, XX/XX/2023. After that, the application will no longer be valid. 

I sent them the title in XXXX XXXX called Navy FCU and showed them proof that the title was sent in. Then they changed their story and said that they received the title but XXXX is still on the title as the lien holder. She explained that I will have to call XXXX for the lien release. I called XXXX for the lien release and I'm still waiting for it to be delivered. 

Why wasn't I notified of this only when I needed to trade in my vehicle 6 months later and then threatened to convert my loan to an unsecured personal loan and raise my interest rate. 

It is XXXX they gave me this notice holding up my trade in for a new vehicle. Not only that, I have till the end of year to receive the XXXX credit for the new vehicle. This needs to be traded in for that vehicle. 

Navy FCU use XXXX bias to target me for their discriminatory practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: SC
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-20
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:
I am submitting this complaint to formally request the correction and update of my personal information on my credit report. Specifically, I am seeking the removal of any unverified, outdated, incorrect, or potentially harmful information that could cause significant inconvenience and harm 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