BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-08
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
Yet again another complaint against the worst XXXXXXXX XXXX in Ally Bank. Over past weeks Ive been trying to get my account back positive due to unauthorized transaction by XXXX. I contacted XXXX with no response back from Support as they own the transaction. Either way Ally Bank should be giving me provisional credit to bring my Checking account to positive despite this dispute.

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 2022-11-02
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
I reported a fraud transaction on my Zelle account. I reported it to Zelle and my XXXX XXXX and my funds were refunded. After that incident, Zelle, without notice, suspended MY Zelle account. I called numerous times, sent emails to Customer Service and Corp Office and no one can tell me what policy I violated. I have perfect credit, money in my accounts and rarely even use Zelle. Zelle will not disclose why I have been permanently suspended. Zelle acct XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
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: Reporting company used your report improperly

Complaint:
Collection Agency XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX Account Number XXXX 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 explanation
Consumer complaint received 2020-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 was informed by my banker ( 10 years ) that I was not approved for a personal loan because of derogatory items on my credit. After I pulled my credit for myself, I notice unknown, suspicious accounts. Please remove these fraudulent accounts from my report as soon as possible.

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 2023-03-30
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. 

Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX, Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : DPT EDXXXX : XXXX XXXXXXXX Account name : XXXX : XXXX XXXXXXXX, 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 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 2022-12-01
Company: I.C. System, Inc.
State: LA
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 did not appropriately investigate a falsely reported collections account from XXXX XXXX I do not owe any balance to the original creditor. I asked XXXX to have the original creditor provide the original contract and proof of balance owed. I have attempted to dispute this twice through the XXXX dispute process online. In addition, I have called XXXX to inquire about the investigation. I was told by the XXXX representative XXXX, that the collections company only verified that that I was the account holder by my name, date of birth, etc. They weren't asked to provide any other proof of the balance owed. I was told by the XXXX representative that they do not ask for any documents from the collections agency to prove the debt reported on the credit report. This collection attempt has already been removed from another Credit Bureau successfully.

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 2022-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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'm currently having issues with my capital one credit card. I made a payment on the credit card at the branch located on XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX. I made a payment using the ATM and the machine was out of paper and I didn't receive a receipt. 

The Payment was for {$300.00} that I made in cash and the ATM informed me t hat the payment went through. This happened nearly a year ago in XXXX of 2021. Since then I have been having issues with the bank as they are not recognizing the payment and have since closed my account.which has negatively impacted my credit score. Since then they have not only added fees to this account but also I have never received any communications from the bank in regards to this account. I only came to find out that it was closed and impacting my credit score after reviewing my credit report with a Financial Advisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-17
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
The value of the XXXX XXXX I purchased in XX/XX/XXXX has dropped almost 1/2 of what is owed. I want to refinance to get a lower payment however the car is worthless at {$9000.00} while I owe {$22000.00}. This is a rip off. Why would a bank finance a car for so much money when that car does not hold its value? 

Im XXXX and struggling to pay and need to refinance for a lower payment. 

What are my options? 

Thanks 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 2023-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX, NVXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX NV XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  : {$1200.00} ; XXXX XXXX XXXX XXXX ; XXXX XXXX XX/XX/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 2018-08-13
Company: FACTUAL DATA CORP.
State: CO
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:
this company has ran my credit three times in the last 3 years, all three times the information they posted was fraudulent and extremely inaccurate. as of XX/XX/2018 my credit scores listed from four different sources all match right down to the number on all three credit reporting agencies, XXXX= XXXX, XXXX=XXXX, and XXXX=XXXX from the agencies themselves, furthermore XXXX, XXXX XXXX, and XXXX XXXX  creditwise all state the same numbers too.

factual data is factual XXXX and factual fraud, they listed numbers 35-55 points lower than what it actually states on the reports, because of this it has stopped me not once but more than 3 times buying a house. I am a vet and a XXXX one at that I am tired of companies like this making it impossible for vets and folks like me to secure a home, and this is a direct violation of my 14th amendment rights and the fair credit act.

this company has a history of complaints from the XXXX to the consumer alert agency of running unauthorized credit checks to illicit, incorrect, or fraudulent information to mortgage companies complaints from several individuals

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: FISERV INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early XXXX of XXXX, XXXX XXXX XXXX XXXX processed XXXX fraudulent transactions with XXXX. While the transactions were against our " checking account number '', the signature on the transactions was not ours, nor was it even in our name. 

The transactions were clearly fraudulent, and in our opinion, would have required " insider '' support. In the same month, we received a notification of debt collection from TRS Recovery Services ( an affiliate of Telecheck Services , Inc ) trying to collect on the fraudulent transactions. We filed a police report regarding the fraud, and forwarded this report, along with the multipage " disputed debt form '' we got from TRS Recovery Services to TRS Recovery Services on XX/XX/XXXX. At the time, we requested copies of the fraudulent checks to provide to the police department to assist in the department 's investigation. We never heard back from TRS Recovery Services. 

In XXXX of XXXX, approximately five ( 5 ) years later, we are contacted by XXXX XXXX XXXX XXXX, aka XXXX, ( an affiliate of TRS Recovery Services and XXXX XXXX XXXX XXXX ) attempting to collect on the debt associated with the fraudulent transactions. The initial contact was via phone at which time we explained that we had done everything TRS Recovery Services had requested in XXXX of XXXX and we considered the matter closed and any further attempts to collect this debt was, in itself, fraud. Subsequent to this phone conversation XXXX sent us two letters requesting we complete an " Identify Theft Victim 's Complaint and Affidavit '', a six ( 6 ) page document that resembles the " disputed debt form '' we completed for XXXX five ( 5 ) years previously. 

We feel this continued attempt to coerce us in to paying debt created by Telecheck Services Inc. 's inability to stop the original " identify theft '' and " fraudulent transactions '' is fraud. The company responsible for enabling the theft is affiliated with the companies attempting to collect the " debt ''. We respectfully request you take action against these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I learned over 10 years ago that the Bush Administration passed a law that would allow those with outstanding loan debt forgiveness if they worked int he XXXX XXXX. For ten years I diligently paid my monthly bill so that I would have a blemish on my record. When I hit 10 years I applied to have my loan forgiven. I completed all of the necessary paperwork, provided work history, had my loan transferred from the third party vendor back to the DOE. To my surprise, after my loan was transferred I learned that I was not eligible because i had been on the wrong payment plan for 10 years. Why would a payment plan make a difference? I paid regularly, I worked in the XXXX XXXX, declined job offers from the private sector just waiting for the day that my dedication to XXXX XXXX would assist in the hefty weight of these loans.

Once I discovered that I was ineligible I emailed my representatives in Washington. Not one responded to my particular issue. I got a curt, pre-populated response from one and no response from my senator.

In my opinion the way that this was rolled out and so poorly represented to the public is fraudulent. Not once did my lender inform me of repayment options. When I graduated with my XXXX  's I consolidated my loans because that is what seemed to make the most sense at that time. There was no education about repayment plans and repercussions of not choosing the right ones. There was no re-education once this bill was passed outlining the need to amend my payment plan to ensure eligibility.

Again, fraudulent, frustrating and a let down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: HYUNDAI CAPITAL AMERICA
State: MD
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:
On XX/XX/25 I went to a Kia dealership in XXXX. I leases a car and my credit was ran on the same day and approved. I got a notification that I had 2 hard inquiries ( which is the normal process ) one from the dealer and one from the finance company. Two days later, I get another notification that my credit was ran again which lower my perfect credit score. This practice should be illegal and the dealership should be the one getting this removed.

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 2022-11-02
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:
There is inaccurate information reporting on my credit report the account must be placed under my social by mistake. I'm not responsible for this account, I do not recognize the account. I have not agree, sign or created debt with the creator reporting. I have attached my identity theft report.

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 2022-10-06
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
Mr. COOPER has destroyed my life and caused me more hardship than I can even begin to put into this statement. They are so incredibly fraudulent its sick. Currently however Im homeless, my credit is destroyed bc of them and my mortgage has been paid off now for years. It still shows open with a balance. I want anything to do with there criminal company off from my report including the bankruptcy I filed bc I thought I had to to keep them from wrongfully selling my home!!! These things have left me homeless and unable to get any financing or even a rental for my son and I. Please help! I know Im not alone in this! Theyre lucky I wasnt aware of the ways they were breaking the law and screwing me over all along bc theyd have a HUGE lawsuit on there hands. Honestly this is the least they can do!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 XXXXXXXX

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 2023-06-25
Company: CL Holdings LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Jefferson capital systems has XXXX debts in my name one I paid them for after they sued me with out informing me properly and forced me to go into a financial hardship I am now barely making rent or anything else. The second is a debt for phone bill from an account I never opened I have disputed it several times and they refuse to remove the debt as mine and as a result I have no choice but to put it in a debt management program and report them to you to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: AR
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:
There are multiple issues on my credit report from Equifax and XXXX XXXX. There are several accounts that have been closed & in collections for years and have exceeded the timeline for which they can still be on a credit report still on my report. Amounts on several of my accounts are wrong. Personal information such as spelling of name and addresses are wrong. 
I have written and called this company more than once. They claim they will fix the issues but never do. 
There is 100 points difference in my score when you compare Equifax to XXXX. With Equifax being 100 points less.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: UHG, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2020 I started receiving debt collection mail concerning a debt I did not own. I have double checked that this isn't an identity theft issue, by reviewing all 3 credit agency reports, which were found to not show this debt. I have contacted the creditor informing them that this is not my debt, and that they are pursuing the wrong person. I have also send a Cease and Desist letter to the current creditor ( UHG I LLC ) asking them to stop all debt collection communication. The creditor ( UHG I LLC ) has submitted a court case against me in order to get the debt paid. After doing extensive research on the internet I found that UHG I LLC is often involved in fraudulent debt collection practices and sues thousands of people across the United States every year. The company often changes its name if that allows them to elude persecution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-18
Company: WELLS FARGO & COMPANY
State: MO
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello : My briefcase was lost/stolen had a few credit cards in it that were paid off and a couple of pin # within briefcase to cards.  XXXX  other cards removed unauthorized charges with no problem!  Wells fargo card was completely paid off then whaam {$3300.00} worth of charges of which Wells Fargo Refuses to credit and states that I made these charges. I 'm not sure what else I can do or if Wells Fargo would listen to me anyway? Never files fraudulent charges with Wells Fargo ever, I 'm really surprised h ow they found these charges valid and were actually made by myseld? DID NOT MAKE THIS CHARGES PLEASE HELP!     Sincerely,  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX   XXXX , MO    XXXX   XXXX    Phone:  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