BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
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 been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. I came across this law today and according to the FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts and information not later than 4 business days after XX/XX/2023. Ive already included this in my previous Complaint # XXXX, # XXXX, and # XXXX & I am including it again. Please see the list of the items below : XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2021-02-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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 belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Bank of America. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$20000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$30000.00}. The Account Opened is Bank of America Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$41000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

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 2023-08-05
Company: EQUIFAX, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: ALLIANT CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had a Cashback Visa Signature Card with Alliant Credit Union, ABA routing and Transit Number #XXXX, and when my rewards balance reached $XXXX  they closed my account and seized the rewards balance as forfeit. I was told that they had sent a notice to my address request a response regarding the activity on the card but I received no such letter. When I called in to complain they just told me that they had closed my account stating it appeared that I was using the card for business expenses, yet no where in the card holder agreement does it state that I cannot use the card for that purpose. I feel as though they saw a high rewards balance and instead of paying out those rewards they closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-22
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
NOTICE OF CEASE AND DESIST TO WHOM IT MAY CONCERN. 
I XXXX XXXX XXXX XXXX, a federally protected consumer, here by put XXXX XXXX XXXX A debt collector a formal notice of violation, in reference to an account they are furnishing on my credit report. 
XXXX XXXX XXXX According to 15USC 1692a ( 2 ), the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 
As per the literal interpretation Any Medium : includes any oral, written, electronic or any medium. 
Therefore, furnishing of the consumer report ( bearing information regarding the alleged debt ) by the company will amount to communication as per Fair Debt Collection Practices Act ( FDCPA ) Pursuant to my right as per 15USC 1692C ( C ), I am hereby providing you formal notice to cease any further communications regarding this account immediately, this includes but not limited to telephone calls, social media, or any consumer reporting agency. 
Any further contact by your agent or company, except a communication confirming your acknowledgement of this letter, is in violation of Fair Debt Collection Practices Act ( FDCPA ). 
I do not have any business with your company, and I do not owe this alleged debt. 
A charged off account is an ordinary income and kindly provide the 1099 c document from who ever sold this account to you. 
If you do not remove this account in 5 working days, you will be civilly liable to me for actual damages you have caused me mentally and financially. 
This is a warning, take this seriously. 
Thank You for your cooperation. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: WESTERN UNION COMPANY, THE
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
On XX/XX/2021, I made 2 transfers. Their tracking numbers are XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 

In each of these transfers, I agreed to pay {$4900.00} XXXX plus a {$2.00} fee ) at exchange at a rate of {$1.00} USD = XXXX BRL ( Brazilian reais ), so that each recipient would recieve BRL XXXX. 
This was a bank deposit ( not cash pickup ) and my payment was made with debit card immediately. Each transaction has a status of " Completed '' with its respective receipt showing what I've just described ( {$4900.00} paid ; {$1.00} USD = XXXX BRL ; supposed payout BRL XXXX ) However, in actuality, only BRL XXXX were deposited in each of the recipients accounts in each of the 2 transactions. Each transaction is missing BRL XXXX. 

The recipient bank says there are no fees or taxes taken out, nothing is deducted on their end. This is corroborated by the fact that no other international transfer service has mysterious deductions from their transactions -- only Western Union. The Western Union transfer rate did not fall between payment and delivery of the deposit, it actually went up slightly. There is no explanation for why so much money is missing. It can not be from rate fluctuation. The rate was XXXX BRL  when I paid and was XXXX BRL  when the money was deposited the following day. 

I had contacted Western Union for an explanation or solution and have been given a vague answer that the contracted transaction is " only an estimate. '' No other money transfer service operates like this. There is no accounting from Western Union regarding EXACTLY what happened to the rest of the money. It appears that Western Union believes they can make a contract for a money transfer, take the payment, and then unilaterally change the payment amount to whatever they feel like paying without any oversight, specific explanation, or consequence. To this day, they can not provide evidence on why the payout deviates so much from what is shown on the receipt. I would never have agreed to engage in a transaction with this company had I known that they arbitrarily change the contracted payout amount after execution. 

I am attaching the transaction receipts showing what we contracted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: IN
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:
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 XXXX Account Number:XXXX has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I Opened Capital One CD on XX/XX/2023 with {$600000.00} deposit. 
I am already a Capital One customer. I have a credit card with a {$35000.00} credit limit. 
Capital One did not fund the CD until 14 days after I transferred the funds. Customer service informed me that there was a " hold '' on the electronic transfer. 
I need to log in to my account in order to add 3 beneficiaries to qualify for FDIC insurance. Without the beneficiaries added, only {$250000.00} is insured. 
Capital One will not let me access my CD online- the site says I must call XXXX which answers with " Capital One Customer Protection Resolution Team '' Calling that number I learned that Capital One requires me to send them photos of my ID using a smart phone. ( This was NOT a requirement when I opened the account, so I feel like I am being blackmailed, while having my funds at risk. ) I do not own a smart phone and had to borrow one to complete their verification requirement. 
Capital One received the photos fine ( the rep on the phone confirmed receipt ) but I was told that the " computer '' could not read them. I was also told that I could not access my account until I " verified my identity ''. 
I can only try to upload my photo twice per link sent to me, then I get locked out for " too many attempts '' and have to call back to get a new URL to try again. 
I tired uploading my ID 5 or 6 times, with both my Driver License and my US Passport, to no avail. 
When inquiring about how else I could verify my identity, I was literally told to drive from Florida to XXXX, Maryland to show my ID to a bank representative! 
Reps also told me they could not update my beneficiaries for my because not even THEY could access my account until I was approved by " risk management '' I am so upset with this situation now, that I want to close all of my Capital One accounts. 
I communicated my desire to close my accounts and was told that I can not close my account, or get my money back, until I successful upload my ID. 
I have 2-3 hours of recorded calls as well as screen shots of the web site. Multiple reps admitted to me that others have had the same problem that I was having.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: EQUIFAX, INC.
State: IL
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
According to the FCRA, in order for you to furnish the alleged US BANKRUPTCY COURT you would need to be able to both VALIDATE and VERIFY the information with original creditor. The US Bankruptcy Court would be the creditor to furnish this information and have previously communicated with through documented mail that they DO NOT furnish any corresponding information to ANY of the CRAs. Including but not limited to the 3 MAJOR credit reporting agencies and the minors such as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
US Bankruptcy Court has also assured me that it is not within their policies or obligation to validate any public records. Following my confirmation with US Bankruptcy Court I also confirmed with XXXX that they were not able to validate this alleged bankruptcy in accordance with federal law. 
Having the abovementioned information, XXXX and XXXX is violating my federally protected consumer rights. In addition to that violation, you are also committing fraud since you claim to have verified this bankruptcy, but your sources deny that. Should you need a reminder please refer to 15 USC 1681 ( A ) ( E ), 15 USC 1681C ( A ) and 15 U.S. Code 1681a ( 4 ) right to privacy was violated I DID NOT give you neither direct nor indirect permission to furnish my information. 
I am hereby demanding this entry be permanently removed from my consumer file within 30 days from the day you RECEIVE this letter. Should you choose to be negligent in rectifying my affairs, I will follow up with a complaint to CFPB and initiate monetary arbitration in small claims against XXXX and XXXX. 
I've also attached a copy of XXXX XXXX stating that the bankruptcy account is not listed with them which you verified that it was. I demand it be removed now because its not have been verified.

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 2019-12-17
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a loan modification on XX/XX/XXXX by Mr.Cooper. The loan modification trial period is {$780.00} for ( 3 ) months XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX. I spoke with several " specialist '' not customer about the loan modification. Mr. Cooper received a money order for {$1100.00} via XXXX XXXX on XX/XX/XXXX. They took {$780.00} and applied to my 1st loan modification pay for XX/XX/XXXX. A specialist informed me that I had a credit of {$310.00} on my account for my XXXX payment and i needed to only pay {$460.00} for XX/XX/XXXX. I called back yesterday XX/XX/XXXX because I received an email from Mr. Cooper that they were changing my email to my sisters email. I wanted to confirm the {$460.00} payment for XX/XX/XXXX. I was told my house was in foreclosure and not eligible for the loan modification. Then I was told that my credit of {$390.00} is not available for me to use towards the XX/XX/XXXX payment. I was told that any payment that they received before my trial period started is considered a partial payment and not eligible to be used on my account. They received a payment of {$1100.00} on XX/XX/XXXX but yet applied to my trial period. Mr. Cooper is making up the rules to benefit them. I feel that Mr. Cooper gave me fraudulent information to sabotage my Loan Modification to foreclose on my parents house. If I wouldn't have called to Mr. Cooper yesterday, I would have been kicked out of the Loan Modification for a partial payment. When you complain the first thing the rep does is say the house is in foreclosure or they accuse you of being poor and not being able to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-05
Company: EQUIFAX, INC.
State: GA
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:
I do not recognize nor did I authorize it. I have never received any funds from them nor any lines of credit issued or utilized by myself. I never verbally or in writing gave anyone from the below companies permission to use my Personal information privately or publicly or in any sense to share 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 XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XX/XX/2023 ] [ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX XXXX ], [ MI ] XXXX ] SSN : [ XXXX ] | XXXX : [ XXXX ] Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : Account Name : [ XXXX XXXX ] Account Number : [ XXXX ] Reason : [ WRONG INFO ON MY ACCOUNT NEED REMOVED. NEED THIS REMOVED FROM MY PROFILE ASAP. ] YOU ARE REPORTING THIS COLLECTION AS AN CLOSED ACCOUNT. WHICH IS NOT UNDER FCRA compliance this is ACCURATE REPORTING AND NEEDS TO BE REMOVED IMMEDIATELY. PLEASE SEND ME A COPY OF MY CREDIT REPORT WHEN THE COLLECTION ABOVE IS REMOVED. Thank you for your time and help in this matter. Sincerely, [ 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 2023-02-23
Company: Experian Information Solutions Inc.
State: IL
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:
I called XXXX  ( XXXX ) XXXX on XX/XX/XXXX at XXXX XXXX  XXXX, representative XXXX answered the call and hung up on me. According to recent CBR, XXXX XXXX XXXX reported a visa account as ( Inactive ), all of the years, from XXXX  through XXXX  in " good standing '', account was closed by me in XXXX of XXXX. They indicate the account was in dispute, under investigation, what is not reported is the investigation was concluded to my satisfaction, and I won the dispute, and the closing account balance was XXXX  where merchant refunded the money to my Visa. 
The XXXX XXXX XXXX  either should report the dispute was resolved to card holder 's satisfaction, or remove it because the seller refunded my account, no final balance there remained. & the fact that I closed the account myself. 
If they insist on the reference to dispute to remain on my CBR, they have to warrant their position by the dollar amount that was charged off against my Visa. However there was a merchant refund, and XXXX  balance. So allegation of charge off or loss to XXXX XXXX XXXX is false and fabricated. Or inclusion of " account under investigation '', is done by XXXX  maliciously, I was the innocent party in the transaction. 
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 2023-09-05
Company: EQUIFAX, INC.
State: CT
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 XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card 63 account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: FL
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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXXXXXX XX/XX/2021 EQUIFAX XXXX XXXXXXXX XX/XX/2021 EQUIFAX XXXX XX/XX/2021

Company response to consumer: Closed with explanation