BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Early Warning Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was messaged by someone that hacked my friend XXXX XXXX account needing a little money I thought it was XXXX and I used Zelle to send the Money and when I realized that I wasnt getting paid back I realized I was getting scammed by a scammer that hacked his account. I filed a police report with the XXXX XXXX Police Department and I filed a scam/fraud report with the XXXX XXXX XXXX and Im in the proses of filing a scam report with Zelle. I will send about 4 of the Zelle transaction emails in the attach file section XX/XX/XXXX {$200.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$300.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle XX/XX/XXXX {$1000.00} thru Zelle XX/XX/XXXX {$500.00} thru Zelle XX/XX/XXXX {$800.00} thru Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: Walwick, Inc
State: WA
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:
Merchants Credit Association again closed my complaint Case # XXXX/ XXXX without resolving it. I have talked to them many times earlier and they are not willing to help. I had uploaded documents which clearly shows that I received a bill from Merchants Credit Association stating there is a due of {$200.00} on account XXXX and I have made payment of {$200.00} to Merchants Credit Association already. This is false reporting by Merchants Credit Association. I have never request to apply that amount to any other account. My payment of {$200.00} should be applied to account # XXXX. They are still charging me interest on the paid account number XXXX which is inappropriate. I am attaching documents again which show due amount on account number XXXX and my payment amount. This should make it clear.

Company response to consumer: Untimely response
Consumer complaint received 2022-08-05
Company: Northwood Asset Management Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company has called me several times and also called all my family members to speak to them. The company is out of line in calling family members about a personal matter that DOES NOT have to do with them! The calls have been made several times to all family members and I have no notification about the debt in writing and they are harassing ALL family members by making several calls to them. They have called XXXX, XXXX, XXXX many times. I had to tell family to block their number. XXXX XXXX XXXX out of XXXX, NY practices harassing phone calls. XXXX XXXX is a nasty person and when I spoke to her, I told her she has not right calling my family and she said she did and that she has all rights to try and collect this debt. 

This company practices unethical collection procedures and is verry harassing.

Company response to consumer: Untimely response
Consumer complaint received 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 2018-11-10
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navy Federal CU is fraudulently reporting on my credit reports in the amount of {$14000.00} account # XXXX * There is no balance because you claim to have charged off the account and it is a FACT that there is insurance on each account to protect the creditor against asset loss. Did you receive monies from an insurance claim that paid off the alleged account balance? 
* Did they even fund the account or did you? 
* Did you take tax credits? 
* Are you the creditor or really just the servicer? 
* Did you disclose that you were charging me for the insurance premium to protect against asset loss? 
* Did you get your approval in writing agreeing to the amount of the premium as require by law? 
* Did you get the insurance payoff prior to charging off the account? 
* Is the contract creating the account even valid since they lacked full disclosure and equal risk? 
* Did you even have a certified copy of the original contract bearing both my signature and your authorized representative 's signature? 
* Can you provide a full accounting showing every charge, every payment, every fee, every interest charge, every credit -including the insurance claim monies received, and any other amount along with the date each event occurred? *This does not mean you get to send me monthly billing statements. You need a full history document ). 

You need to respond point by point on each issue raised and provide documentation for everything you claim. Plus, verification requires a sworn affidavit, so that's how you need to respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, 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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

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 non-monetary relief
Consumer complaint received 2023-05-24
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I had two vehicles under 1 loan through titlemax I was working as a XXXX XXXX XXXX  at XXXX  XXXX paid weekly making XXXX week when I had gotten title loans one was on a XXXX XXXX XXXX other was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I had inform titlemax of that well my ex husband XXXX XXXX my driving the XXXX got pulled over went to XXXX  the car was towed to a pound when I went to receive it said titlemax had a repo out on it I contacted titlemax who wanted me pay the whole balance off for it witch I couldn't afford to do so Titlemax failed to even retrieve the vehicle from the pound they put it off on my credit report and left the car thier and it was then sold from the lot witch also had damaged to it at XXXX dollars with a rebuilt title if titlemax wasn't going to achieve the vehicle they could have returned it back to me and made an agreement on smaller payments but the payments wasn't even going on the loan I got just on entries that it .... my XXXX XXXX XXXX XXXX XXXX husband stole from me because we was married cops couldn't do anything I spoke with titlemax in XXXX XXXX  and the deal was they repossessed it from him it be given back to me I would make payments again on it but when they repossessed it never contacted me at all they wouldnt give information of what lot was tooken to so could retrieve personal items from it so now titlemax took not 1 but 2 vehicles from me not putting my payments towards my loans at all I had already paid my XXXX  loan off once for the title they just didnt try work with me at all after I couldn't work asked to lower my payments and everything they refused to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 2023-07-06
Company: EQUIFAX, INC.
State: VA
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:
Equifax has ignored my previous request and failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in credit report published. 
Under federal law, they had thirty ( 30 ) days to complete investigation from the date received my dispute letter. 

Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 

There was a list of items that were sent in my initial dispute letter that now must be deleted from database. 

The information must be deleted from my report as soon as possible. Not only did Equifax not respond in a timely matter, but the information was inaccurate and misleading and as such represents a very serious error in your reporting. 
Once again! Under federal law, Equifax had thirty ( 30 ) days to complete the investigation from the date they received my dispute. 

I have attached a courtesy failure to respond letter that was mailed after the over 30 day investigation request with no response

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: RI
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-25
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
With Lightstream, I initially applied for a car loan, I initially received approval for an auto loan, and a new account was created with my name, address, and social security number. I provided my banking information and signed the loan agreements in order for the loan to be funded. My bank returned the money because there was an issue with the funds transfer. When I called Lightstream to double-check my information, a customer service agent informed me that Lightstream had changed its mind about the application for which they had previously given its approval. I inquire as to why they changed their decision, and she replies that she is unable to answer that question. I received a notice of an adverse action from Lightstream, and they informed me that they were unable to prove my identification. The loan department at Lightstream checked my identity by pulling my XXXX credit report, asking my employer for paystubs, which I provided, asking for my most recent XXXX  XXXX XXXX banking statement, asking for a copy of my government-issued driver 's license, and finally approving the loan after they had received all of my required documentation. According to the Lightstream website, I believed that when my credit report was obtained, my identification was confirmed, and I received an approval, I would then be funded. However, it did not occur, and the justification Lightstream gave for refusing to give me credit was untrue. If you never meant to give me credit in the first place, then there was no justifiable reason for you to retrieve my XXXX report, 15 U.S. Code 1681b - Permissible purposes of consumer reports, and you should request that the inquiry you made be removed off my XXXX credit report. Additionally, the loan information on Lightstream is deceptive and 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 explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Under FCRA 15 U.S. Code 1681s2 ( 3 ) you violated the law. I disputed these inaccurate items over 35 days ago and you havent notated is as disputed. You cause me to lose out on offers due to reporting this inaccurate item and not notating it was disputed.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I requested, on line, for my free credit report and Trans union kept redirecting me to a page that requested my credit card number. I eventually reasoned that they needed this information as part of the I.D . info they needed to verify my identity and was signed up for credit protection service. I canceled the service within an hour and they charged me for a month of service, no cancellation offered or refund. They offer no way to correct this on line, and I could not find a phone number for Trans Union on their web sight. I XXXX the phone number and called them. I spoke to a customer service representative and she told me that I would have to call another phone number. I repeated the phone number and she verified that it was correct. When I called the number it is for the sales of a emergency medical device and nothing else. The person would not stop taking and I hung up on them and called back. This time I responded no to the question " are you or someone in your family XXXX or older '' When I responded " no '' the I was disconnected. I tried to call back again and received a recording that the phone number could not be made from my service area. Trans Union at best is a fraud company themselves using unethical business practices.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
XXXX continues to report several bankruptcy filings on my cresit report from XX/XX/XXXX-XX/XX/XXXX that do not belong to me. I was advised by the Court that they did not provide this inaccurate information ans the CRA has refused to provide documentation that meets FCRA requirements as it relates to the inaccurate information they have been reporting provided from a secondary source who is furnish inaccurate and incomplete information mainly XXXX according to the CRA.

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 2023-09-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Reporting Agencies are required to remove and block any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX EQUIFAX : XXXX XX/XX/XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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.

The letters are stated with items and issues.

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 2019-02-11
Company: CITIBANK, N.A.
State: CA
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:
Credit inquire on report that I do not recognize.

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 2023-09-22
Company: Experian Information Solutions Inc.
State: MD
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 am not associated with these creditors, and I did not initiate this inquiry. Kindly proceed to remove it from my credit report without delay.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
On XX/XX/20 Transunion removed an account from my report that was not mine. That account was also sold to a collection company XXXX XXXX. I have submitted 4 times for this collection to be removed also, but Transunion never does it. It is in violation of the FCRA to have a collection account report when the original creditor has been removed. I don't know how else to resolve this. Please help

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