BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-27
Company: Credit Card Receivables Fund Incorporated
State: WI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
There are many charges on this account that were not made by me. I contacted XXXX XXXX XXXX XXXX XXXX several times on and around XX/XX/XXXX. I told them there were many charges on this account that were not mine and there needed to be an investigation done. They would not take steps to look into the problem. I told them I was not going to make any more payments till it was investigated. They got fed up and tired of arguing about the debt and then sold the debt to XXXX XXXX XXXX, XXXX on XX/XX/XXXX. Same problem with this XXXX XXXX XXXX XXXX, I contacted them, explained the situation to them and nothing was done, or looked into, or investigated. I told them that many of the charges were not mine and I need all the information about the account to prove my case. They then just told me to pay the bill. I believe they do not have the Information, or are holding it back because they do not want me to be able to prove my case. They just want to get a Judgement on that Ridiculous Number they have listed on the Summons. All they care about is making a huge profit off a debt they pay pennies on a dollar for. On XX/XX/XXXX XXXX XXXX XXXX sold the debt to another debt collector Unifund. They hired a XXXX XXXX of XXXX XXXX to sue me for the debt. I tried discussing it with them and they told me to set up a payment plan. I told them I am not responsible for the hole debt and am not paying till the fraud issues are resolved. They filed a small claims law suit in court and will not get back to me, or discuss any investigation, or settlement options for my part in the debt. Another thing is they sued and on the Law Suit and there are Two people at my mailing address with the same name, only the middle initial is different. I do not think they know who and which one they are looking for., and have all the proper documentation to prove it. or have investigated it, and found fraud charges but do not want to admit it. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This complaint is being resubmitted because the cfpb closed a previous complaint without making sure the complaint was resolved. 

My account was recently compromised when XXXX XXXX XXXX XXXX 's bills were imported into my account. His name was not on my account and it should not have happened. In XXXX, while we were married ... I signed a trust named " XXXX XXXX XXXX XXXX trust. In XXXX, we got divorced and I opened a new USAA account and I paid money into our joint account until things could be separated. I was told our old joint account ( while married ) was closed. I spoke to USAA a couple of times about the tab that was listed under my bill pay on my new account. USAA reassured me that it was not an issue and that my ex could not access my account. In XXXX, I signed a new trust document named " XXXX XXXX XXXX XXXX XXXX '' and submitted the cover sheet and back page which was signed and dated. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Revocable Living Trust '' and submitted the cover sheet and the back page which was signed and dated. In XXXX, I changed my name to XXXX XXXX and submitted the name change court paperwork to USAA. In XX/XX/XXXX, my ex-husband ( military member ) bills were imported into my personal bank account. I contacted USAA and requested they remove the bills. In XXXX, I signed a new trust document named " XXXX XXXX XXXX Amended and Restated Trust '' and provided the cover page and back page which was signed and dated to USAA. However, I told them I wanted the accounts closed as soon as possible. USAA had my account profile updated with my name of XXXX XXXX. USAA had my correct trusts on file but failed to update my name and trusts across all of my accounts. Additionally, at some point my trust became a secondary account holder to my account. USAA failed to follow procedures and update my account information across all my banking accounts. Additionally, they failed to read and check the dates on the trust paperwork I had submitted for my account. Finally, my ex-husband 's bills should have never been imported into my personal USAA banking account. During this process, I contacted USAA multiple times. I have been unable to get my checking and savings accounts closed. 

I have had to submit additional complaints to USAA because my accounts have not been closed. USAA was originally a bank established for military members. I was an XXXX XXXX service member as well. 

XXXX XXXX XXXX XXXX has multiple email accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Synovus Bank
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In accordance with the Fair Credit Reporting Act First Progress, has violated my rights. 

I have disputed inaccurate information multiple times, as the accuracy of this account is not correct. However, it is claimed to be verified as accurate. Please see attached photos of last reported, payment dates that do not correlate with one another, account closed dates do not correlate and as well as payment status. Attached herewith is also a copy of a reimbursement check for a credit on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have recently reviewed my credit report. I noticed that there is a late payment shown for XX/XX/2020 for the Home Depot Credit Card.

I have always taken my credit very seriously. I try to pay off my balance before the end of every month - before the due date. In fact, my current balance is {$0.00} with this account. During COVID-19 Pandemic, I was overwhelmed by obligations with family, work, home, kids, and health. It was a very difficult time. I even had to temporarily request for payment waiver ( aka forbearance ) for this Home Depot account.

I called Home Depot when I explained my situation, Home Depot  Representative, XXXX, said there was indeed a late fee Reversal on XX/XX/2020, but they could not remove the late payment from my history even though there I had forbearance on my account. 

I am not sure what is going on exactly. But I am requesting to have this late payment mark remove from my credit report. I will take full responsibility for fault for this situation but I would like to have the case reconsidered and remove the negative mark.

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 2020-11-08
Company: Experian Information Solutions Inc.
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}, {$14000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account. 

2. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
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 respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: MOHELA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
For some reason theres various student loans accounts open when I did not have so many and I had at one point student loans is charging me double the amount owed. I reported it it took them a month around so to fix it, but never took it off my credit report so now it shows more open accounts that Im supposed to have I filed through the credit bureaus online, they still failed to fix it I believe the valid the federal Fair Credit Reporting Act ( 15 U.S.C. Sec. 1681a ( p ) ).

1788.101.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 implore you to take action and remove these fraudulent accounts from my credit report immediately. I did not authorize or initiate these accounts, and it is unfair for me to be held accountable for them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX XXXX, XXXX, 1.I found not able to login to my chase online bank account. I have to reset my password. During the password reset, I realize the procedure is weird, no security questions asked! 
2.After reset my password, I found my saving account get hided in the XXXX XXXX view. 
3.Then I found there's an unauthorized {$35000.00} transaction to XXXX at XXXX XXXX XXXX immediately call Chase service. After 25mins wait, explain there's an unauthorized transaction happened at my account, ask service person to block and cancel it. Chase service person said the online bank team just get off from the work, ask me to call fraud department next Monday. 
XX/XX/XXXX, night. 
XXXX. I found my chase online bank account password get changed again! 
XXXX. After I reset password again to login. Then found 1 unknown cellphone and 3 unknown email are added into my chase account and have been set as Primary. I tried to delete them but chase system give alarm the primary get only be changed during working days. So I have to leave thief 's contact in my account! 
XX/XX/XXXX, XXXX XXXX. I call chase Fraud department to ask block the transaction. At meanwhile, start a claim process for the loss. 
2. Fraud service team suggest me go to local branch to close all existing account and re-open the new checking/saving/debit/credit account and card. 
XXXX. I went to chase local branch, did step # 2. 
XX/XX/XXXX, XXXX. I report this case to police station XXXX. I get a call from chase that they suggest me go to local branch to fill a form and FAX back to them for the 2nd step of claim. 
XXXX. I went to chase local branch, fill and sign the form. 
XX/XX/XXXX, XXXX. Received email said chase send me secure message in the app 2. There's no warning/notification/alarm is set in the chase online bank to tell me there's a new secure message and it is hided under 3 level of the system! 
XXXX. The message said the " transaction was processed correctly or was authorized '', " No adjustment will be made '' 4. I'm writing this complaint. 

Long in short, 1. I have reported the issue immediately right after I noticed the weird transaction. 
2. Chase is moving slow and not able to block the transaction after I report the unauthorized transaction and cause my loss. 
3. Chase IT system has severe flaw to leak my online account and password. 
XXXX. Chase IT system has severe design flaw that very easy to reset password, only need to know account number & SSN, which can be leaked anywhere. 
XXXX. Add cellphone, Email and immediately transfer money should be marked as high risk fraud activities but Chase didnt do anything on that. 
6. Chase didn't discuss with me but make a hasty decision that " As we discussed and agreed that no adjustment will be made ''. I feel no respect and don't feel secure of letting chase manage my assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In XX/XX/XXXX, I received a letter in the mail about a bankruptcy, but I didn't pay much attention to it because my names was misspelled and I knew I had never filed for a bankruptcy so I just left that alone. In XX/XX/XXXX, I try to finance a vehicle and I was denied because of a low credit score. I left that alone and tried again in XX/XX/XXXX and I was denied again and I was not understanding why so I finally lit up and ask the salesman to show me my report and I wish I would of done this along time ago I was furious to know I had accounts opened under my name that I never ever opened and even more shocked when I saw the bankruptcy 's. I have never filed for bankruptcy in my life. The things I am reporting from my credit report do not belong to me. Please remove these things from my 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 explanation
Consumer complaint received 2021-06-10
Company: Monterey Financial Services LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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. I am never been late on this account.

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 2023-02-13
Company: FIRST NATIONAL BANK OF OMAHA
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: Account information incorrect

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX Cell XXXX. 
email XXXX FNBO account # XXXX Credit limit start date XX/XX/XXXX was {$9400.00} credit limit on XX/XX/XXXX is {$500.00} First National Bank of Omaha Bank Headquarters Phone Number ( XXXX ) XXXX, XXXX XXXX XXXX XXXX Nebraska, XXXX, www.fnbo.com First National Bank of Omaha did not send me a consumer an adverse action notice letting me know they was doing a 95 % Credit Limit Decrease with me. {$9400.00} credit limit, never missed a payment.Then unexpectedly XX/XX/XXXX, my credit limit decreased to {$500.00} which inturn tanked my XXXX XXXX about XXXX points, and affect my credit utilization. FNBO First National Bank of Omaha cut my card limit down about 95 % This is Horrible how you treat people with your high limits then penalize those of us that are responsible and pay on time and more than the minimum!. Bait and Switch Contact customer service and I was told that my FNBO Credit Limit Decrease for not posting a high balance on my credit cards and paying my credit card in full each month. I am not in financial trouble, I never missed due dates, and " However, when people applied for the cards, part of he qualification and limit-setting process stated nothing about I had to spend on the card. FNBO drop my husband credit limit from {$15000.00} down to {$500.00}. My husband spoke to XXXX XXXX from the office of the President FNBO and restored his credit limit back to {$15000.00}

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 2021-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check from my local XXXX XXXX XXXX XXXX of amount greater than {$8000.00} and less than {$9000.00} into my own Bank of America checking account via an ATM in XXXX XXXX. Bank of America put a hold on my account for XXXX  days and gave a long list of reasons for putting the hold. The check amount was withdrawn from my XXXX XXXX and it showed the image of check transferred by Bank Of America. I tried calling the customer service and also visited the local financial center on XXXX XXXX XXXX to show them that the funds has been withdrawn from my XXXX XXXXXXXX account. Now I have less than {$60.00} in cash available to me from my both account and any credit card payment may trigger at any time. I had to borrow {$200.00} from my cousin. The response from the customer service and Bank manager is disappointing and that they can not do anything. But what is the policy of holding checks when I am doing transactions between my own accounts? This leads to hardship and stress to consumers.

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 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-03-19
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/XXXX @ XXXX hours I received a call ( phone # XXXX ) from a man claiming to be XXXX XXXX XXXX XXXX XXXX XXXX ( Im guessing a debt collection agency ) & stated they were a contracted company out of the City of XXXX Finance Department. He stated that I had not filed/reported for a business license renewal for the year XXXX. Well Ive never applied for a XXXX license first of all, & secondly while I do in fact run a XXXX XXXX, all of my quarterly income & applicable taxes have been reported & filed with the city. My XXXX is in good standing. I believe he obtained my business name & an old address that I did business out of for less than 2 months possibly from discarded mail from that old location. He stated that if I didnt provide proof of this filing that the $ XXXX debt would remain in collections. I have already updated my address info with the city regarding my XXXX long before I received this call ( obviously a red flag ) so any legitimate paperwork would have been received at this updated address. At this time, Ive received nothing. I asked where I could send the proof & he gave me an email address of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: EQUIFAX, INC.
State: NC
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:
THIRD ATTEMPT Section 605B of the FCRA, it states that, a consumer reporting agency shall block the reporting of 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. 

Im attaching my letter for dispute and police report. XXXX  must honor this request within 4 days! It is completely ridiculous at the number of attempts I have made to have these items removed. XXXX  will be sued if I can not get this matter resolved in the number of days per the FCRA.

Company response to consumer: Closed with non-monetary relief