BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: ENCORE CAPITAL GROUP INC.
State: MD
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:
I am a victim of identity theft. Someone opened a fraudulent account in my name. I need help getting it removed. The debt collectors name is Midland Funding LLC. They are listed on my XXXX XXXX credit report. Can you help me get this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: WASHINGTON FEDERAL BANK
State: WA
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A year or so before the 2008 real-estate collapse my wife and I plus my sister and her husband signed on as partners in a land development loan for a residential subdivision located XXXX WA. in a small town " XXXX Washington '' as additional guarantors. We had hired a local multimillion dollar land developer to manage the project and finance the loan under a joint venture agreement in our project. The project was then constructed under the loan however the building lot values suddenly collapsed and the project went into default. The original bank that issued our loan also collapsed shortly thereafter and our account was taken over by Washington Federal Bank XXXX WA. who then began to be very aggressive in collection demands and hired a very aggressive legal firm to process the collections. At this point the banks legal firm took over and arranged the banks position and the bank took over the real-estate lots and sold them at about out 50 % of former value. After the lot sell off the Bank immediately sued the joint venture to collect the short fall of the loan balance. This is the point where a collusion was arranged between the banks legal firm and our financial partner to literally join together in a legal manipulation to defraud my family and shift most of the loan debt away from our wealthy project manager to our family. To repeat : The bank paid their attorney to join with our partners attorney in a direct legal maneuver to defraud my family our right to hold the wealthy developer in the land loan contract to pay his fair share of the dept. This claim can be documented by my own records and the records in the State records. Basically the " banks attorney '' literally assisted and actively worked for our partners attorney to process file and get approval of a small change in WA State law that allowed them to put a XXXX line down the center of WA State that allows legal advantages on legal proceedings to people on the XXXX XXXX of WA over people on the XXXX of WA State. This was done to accomplish one important goal : they were then able to release our financial partner of his debt responsibility and pay only a very small payment. Why? because our financial, partner had too many outstanding loans and needed assistance to spread out his loan portfolio to avoid bankruptcy. The consequences to my family? The bank forced my entire family file chapter XXXX bankruptcy, loose our life savings, I have to come out of retirement and go back to full time work, and the XXXX my sister. I am XXXX years old, a XXXX XXXX Vet, a registered XXXX, and I am living on SS and a few hours of XXXX per month. The bank still has a {$1.00} XXXX mortgage lean on my {$120000.00} farm I have no money to fight off these crooks. 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
Consumer complaint received 2016-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit report is a mixed file. It contains the address, employer, credit accounts and other information of someone in my family with the same/similar name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have repeatedly disputed issues with my credit bureau reports ( XXXX, Transunion, and XXXX ) and have had a Fraud Alert placed on my credit as well, i.e inquiries, credit accounts, broken lease, name changes, address changes, accounts that were deleted and placed back on my credit, as well as the statue of limitations exceeded on several accounts. This is ruining my life. I have submitted numerous disputes to all three agencies and my credit now is ruined. I am aware of things that should have been on my credit, i.e XXXX property that I moved out of in my last month due to my health, but how could I have lived there and lived at another residence as well. I have submitted information to the credit reporting agencies numerous times. I am unsure what to do at this point. I have been disputing this for some time.

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 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When questioned why they're not accepting the Identity Theft report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Identity Theft Report ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 
XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4600.00}, XXXX XXXX XXXX Opened : XX/XX/2019 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 2022-10-18
Company: ZuntaFi Corp
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I contacted XXXX XXXX ( doing business as XXXX XXXX XXXX ) and paid for services to be completed for an offer in compromise for the IRS. 

I paid {$3100.00} to them via my credit card on XX/XX/XXXX, signed an agreement for them to negotiate on my behalf and submitted all requested paperwork. 

On XX/XX/XXXX XXXX I was told that the Offer in Compromise had been completed and I needed to submit an agreement to Zuntafi for {$12000.00} to pay back money to be sent to the IRS along with the Offer in Compromise. I was told this was a requirement of the Offer in Compromise process. 

I signed the agreement and began making monthly payments of {$620.00} in XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX told me the Offer and Compromise was filed and I should hear from the IRS in a few months. 

After about 3 months I reached out to XXXX XXXX XXXX XXXXXXXX XXXX XXXX who told me that it was at the IRS waiting to be processed. I reached out to them over and over again. Finally they stopped returning my call. 

I stopped sending money to Zuntafi in XX/XX/XXXX. They reported a delinquent debt on my credit report. I asked them to verify this debt with Honest Tax. They reached out to XXXX XXXX  and they did not respond to Zuntafi. Zuntafi however did not remove this negative reporting from my credit file. 

I reached out to the IRS in XXXX and they verified that nothing had been filed on my behalf by XXXX XXXX or any other entity. I already knew this in my gut. 

I reached out to Zuntafi again and they did not remove this listing from my credit, kept me in delinquency and sent it on to a collection agency XXXXXXXX XXXX XXXXXXXX in XX/XX/XXXX. I talked with XXXX in XXXX and explained my situation. They indicated there was nothing they could do. 

I reached out to XXXX XXXX XXXX XXXX XXXX XXXX again in XX/XX/XXXX. On XX/XX/XXXX I heard back from XXXX XXXX. She confirmed that XXXX XXXX XXXX XXXXXXXX XXXX XXXX never filed an Offer and Compromise or anything else on my behalf. 

I told her this was fraud. She is now attempting to have work done as promised. 

I do not want anything to do with this fraudulent organization and want my money back.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Trans Union is not responding to my requests to investigate and remove some accounts from my credit file that do not belong 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 explanation
Consumer complaint received 2022-10-19
Company: CITIBANK, N.A.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I am not able to use Citibanks website. The website isn 't accessible. I have tried to use the website in the past, and I have called Citibank, and they make it out to be a computer glitch issue on my end. Apparently, my computer is the fault. Therefore, I have enlisted to use the Citibank app. The app, however, also has problems. Citibank changed their method for allowing their account holders to send and receive money. Now, we must do it by XXXX. Needless to say, I set up my XXXX account through the Citibank app, but I noticed a problem. The problem is that during the weekends or weeknights. If you try to send to your other bank accounts in the United States. The Citibank app will present an error. I will attach a copy of the .jpg I took from my XXXX to show you. It is a XXXX error that states : Access blocked. For security reasons, we can not allow you to proceed. If you require assistance, please contact Citibank Online Customer Service and mention error code XXXX. XXXX. I've approached Citibank about this also. The issue was fixed, but here I am again on XX/XX/2022 trying to send money to my other bank account : XXXX. I paid two bills online through Citibank app before I decided to send the remaining balance to my other checking account with citizen. Why am I going through this? I have another bank account in checking with XXXX bank. XXXX bank holds mostly all of my funds. I don't need the hassle. Citibank is just a maintenance account that I have my checking and some savings, but my direct deposit goes from the State of Connecticut to Citibank. I can eliminate this issue by closing my Citibank account, and moving through the State of Connecticut Comptroller 's Office my direct deposit to Citizens bank in Connecticut. It is as if Citibank does not want my business. Oh Citibank wants you to take out a $ XXXX personal loan to help them, but this is a business relationship. Business relationships aren't one way, unless the other party is nave or stupid, and I am neither. 

Now, I have to call Citibank again asking them to do what they are selling you : a banking service. I have to take time out of my schedule to approach Citibank to do their job. If this isn't resolved, then I will visit Citibank in New York City with two forms of ID and a demanding them to close the account. Put my IRA in the name of XXXX Bank and in check form for transfer.

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 2016-04-27
Company: ALLY FINANCIAL INC.
State: TN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Today Ally financial sent and order to XXXX XXXX repose my XXXX Chrysler 300 it was parked in my Mom 's Garage. The tow truck backed into the garage to put the vehicle on the hook and my Mom was standing behind the car in the garage and he continued to back up, my mom could have been hurt. I still have not received correspondence regarding my account or their intention to pick the vehicle up. Every since I got this vehicle Ally has been verbal abusive with their collection practices and very hard to work with. I have been unemployed several time but I still have made efforts to make my payments.

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 2016-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX I closed a secured credit card with XXXX XXXX that was in excellent standing. XXXX XXXX XXXX, I checked my Transunion credit report and my score had dropped XXXX points from XXXX to XXXX overnight and the only change to the report is that it now shows I closed a secured credit card in which I used to build my credit by an initial deposit of {$300.00} to maximizing it to {$5000.00}. My issue is that from the time I opened the card I never saw the alleged benefit of having a secured credit card other than from my own efforts, not even by XXXX points, ( ie on-time payments, and paid interest, etc. ) but closing it lowered it XXXX points???? I am a XXXX Veteran over 30 % in the process of building a home and securing a mortgage that I am due to close in XXXX XXXX and the impact of this can present an undue hardship for me. I have worked extremely hard to re-build my credit. My reports show that I have an 18 % credit card utilization, {$48000.00} unused credit, and 100 % payment history. However, the derogatory marks, age of credit history, total accounts, and hard inquiries all vary between the XXXX credit agencies, which is something that I 'm always challenging without a resolve. The only change that is consistent on all XXXX reports is the closing of the secured XXXX XXXX card which was supposed to help the consumer, but has caused me more harm. After contacting Transunion, they did send a free copy of my credit report, but that does n't undo the damage to my credit score dropping from XXXX to XXXX overnight. I have been penalized for closing a secured credit card account that I was supposed to benefit from, but instead has damaged my credit considerably. If having a secured card is a good thing to help consumers build credit, then once that has been accomplished or no longer needed at the discretion of the consumer, then if the card remained in good standing ; reasonably, closing the card should raise your score XXXX points, not lower it.

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 2015-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX I deposited XXXX checks via mobile banking from the same person - {$250.00} and {$1300.00} ( rent ). 
On XXXX, there was a reversal on the {$1300.00} deposit - which I was not aware of. Therewas no notice via mail/email/text - NOTHING. 
On XXXX, I found out about the reversal only by chance to review my account. 
I called, no one can figure out what happened. Only after I called, the bank sent a letter. 
On XXXX, received the letter. stating that the check was refused due to " duplicate presentment ''. I immediately confronted the person writing the check, she showed meon her mobile banking that the check cleared and check copy was identical to whatI have on hand and no money was being deposited back into her account. 
I communicated this to Bank of America and they kept insisting that they did not get paid, therefore they are not putting the fund back into my account. They told me to get theother institution to provide backup showing proof that they paid Bank of America. 
On XXXX, I received a backup ( attached ) and faxed it over to Bank of America. 
The other institution ( XXXX XXXX XXXX ) stated that they paid Bank of America andthe backup provide a trace number that Bank of America would be able to track. 

I had been calling every few days since XXXX, but nothing came out of this other than, '' get the other institution to prove to us that they paid us. " I could not get anyone at Bank of America to go beyond the phone call and actuallydo a research and give me an update. 
In the meantime, I do n't have the {$1300.00} in my bank and the other person is already out {$1300.00} out of her bank. Someone has this money and not fessing up. 
This money is for rent and being a homeowner having to pay for mortgage with norent in the bank is very tight. 
Bank of America did return the {$12.00} return fee, but it does not compensate for the time I had to spend calling ( numerous calls ) and the other person having to take days off workto take care of this at her local branch. 
Today is XXXX and nothing is resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX is reporting that I had an account written off for {$780.00}. TransUnion refuses to remove this false information. This account was my adult son 's account. I use to allow him to use my credit card to pay his bill. My name was never on the account ( which was through XXXX ). I was not present when he opened the account ; and I did not sign any paperwork. I simply paid some of his bills, so they are illegally reporting this as MY debt. In addition, the " last date of activity '' is listed as XX/XX/2014. I applied for XXXX XXXX XXXX XXXX cable services then. This is false as well. I am currently a customer of XXXX XXXX XXXX for the cable services I applied for. I do not believe that TransUnion has investigated the validity of my liability for this account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I have an employer from 2008 that is listed on my credit report that I was never aware of. I was employed for only 2 months with this employer and have no idea why they would be on my credit report. I have never signed anything from this employer that would warrant them to be on this report and it has been almost 8 years that this has affected my credit. I would like this removed. This was unjust and would please like a response. 
Thank you

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons.

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