BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 {$0.00}, {$0.00}, {$0.00}. 
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. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -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 2022-12-30
Company: Experian Information Solutions Inc.
State: NC
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:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a XXXX party nor was it filed in error. 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.

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 2021-10-01
Company: Commercial Acceptance Company
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:
The following collection account on my credit report is fraudulent : COMMERCIAL ACCEPTANCE COMPANY # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX I have previously contacted the credit bureaus of this inaccuracy and have not gotten a resolution. I am not liable for any debt to COMMERCIAL ACCEPTANCE COMPANY, XXXX XXXX, or any factoring company. COMMERCIAL ACCEPTANCE COMPANY has not provided any validation for this debt and cease activities as required by the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809. This collection account needs to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: JPMORGAN CHASE & CO.
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:
The following account is being fraudulently reported on my credit report : JP MORGAN CHASE AUTO FINANCE # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I have previously contacted JP MORGAN CHASE AUTO FINANCE and XXXX, XXXX, and XXXX Credit Bureaus of this inaccuracy and have not gotten a resolution. I have never requested or obtained credit from JP MORGAN CHASE AUTO FINANCE, I am not liable for any debt to JP MORGAN CHASE AUTO FINANCE or any factoring company. The account holder responsible for this debt is XXXX XXXX XXXX ( SS # XXXX ), who is my ex-spouse. Please assist me with getting this fraudulent account deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: Diversified Consultants, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am disputing owing any money to XXXX XXXX. I sent the collection agency representing XXXX a certified letter asking them to send me proof of this debt and have received nothing. I have proof they received my letter of dispute and since they are not willing to provide the proof of debt they claim I owe, I would like any record of this supposed debt taken off each of the credit bureaus they have reported to!

I would also love to see a public apology to all of the current and former customers this company has blatantly ripped off. However with the likelihood of that happening being slim to none, I'll settle for clearing these fraudulent & fabricated claims against me from my credit record.

Thank You

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX Balance : {$15000.00} XXXX  XXXX XXXX Balance : {$2800.00}

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 explanation
Consumer complaint received 2022-12-30
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was affected by XXXX and do not own this company. I have XXXX XXXX as my electrical provider now and if I owe why am I still doing business with them with no knowledge of a past-due balance? I never received a bill and feel I do not owe anything because I was effect by a natural disaster. The dwell at the time was consumed in 8 feet of water. Please remove it from my credit report. Please see the attached documents and I can provide more information from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Experian Information Solutions Inc.
State: NV
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2021-10-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Account name : XXXX XXXX XXXX Dispute of Information Pursuant to 15 U.S. Code 1640A I am writing to formally dispute certain information reported by your organization, as allowed under the provisions of 15 U.S. Code 1640A. I have recently reviewed my credit report and identified discrepancies that I believe require immediate attention and correction. 

The inaccuracies I would like to dispute are as follows : [ I need the account name, address, account number & any other documents you can receive. ] I need the account name, address, account number & any other documents you can receive/provide I request that you investigate these discrepancies and correct any errors in my credit report as mandated by the Fair Credit Reporting Act ( FCRA ). Under 15 U.S. Code 1640A, you are required to conduct a reasonable investigation within 30 days of receiving a dispute notice and provide me with the results of your investigation. 

Additionally, I would like to request that you notify all credit reporting agencies that have received this erroneous information from your organization so that they can update my credit report accordingly. This step is crucial to ensure that my creditworthiness is accurately represented. 

Please acknowledge the receipt of this dispute letter within 5 business days and provide me with a written confirmation of your investigation 's commencement. I can be reached at [ XXXX ] or [ XXXX ] to discuss any further details or provide additional information as needed. 

Failure to comply with the FCRA 's dispute resolution process may result in legal action, as provided for under 15 U.S. Code 1640A. 

Thank you for your prompt attention to this matter. I expect a timely and thorough investigation into these discrepancies and the correction of my credit report in accordance with the law.

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 2023-04-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
On XX/XX/2023 Mortgage loan with XXXX XXXX was paid off in full in the amount of {$180000.00}. This amount was confirmed and received on XX/XX/2023. Lender has not accurately reported this information in a timely manner to the 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 non-monetary relief
Consumer complaint received 2021-10-01
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I get calls all day long from local numbers trying to contact me to collect a debt, which doesn't allow my call protect to work. I have called back to let them know to remove me from there list and they keep calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I am reaching out to see if you can help me find some assistance with the Depraved Indifference from Bank of America. For the past 2 years I have reached out to the Bank of America and have gotten the run around, the police, medical professionals and now a lawyer. My dad has been a customer at Bank of America for over 20 years and in the past 2 years is banking activities have become erratic and questionable. He goes to BOA at least 3 times a week and writes checks to to his " Girlfriend :, I have spoken to agents at the bank I have called to no avail. My dad has given over {$80000.00} away and now he is giving his pension and Social security way every month which leaves him with less than {$7.00} at times. I do not understand how the bank does have train individuals in place to help identify these cases. Unless the Bank employee are in on the SCAM. He is going to the same bank, with a chair sitting in line making friends with the people at the teller. 
I have spoken to the bank they said they can not help me, I asked the police to trace who these people are I have a police report but NOTHING HAS HAPPENED. 
I have tried to convince him that this " girlfriend '' is not real. I don't understand how hard it is to get help to find these people. I have their names : They are cashing the checks. There are even checks without his signature and forged handwriting. 

These are the people : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Why is it so hard to get help. everyone know this is a crime/ scam but there is nothing in place to 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 2021-06-10
Company: Mountain Run Solutions, LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
We signed a 5 year contract for an alarm system and after 5 years we were on a month to month contract. After 10 years we cancelled with the company we no longer get wanted or needed and alarm system. The company was XXXX now XXXX. After I verbally cancelled on the phone, XXXX continued to take money out of my account for 7 months before I caught it. Contacted the bank they investigated and returned my money for them illegally taking it out. Now they have sold the account to a collection agency Mountain Run and I have talked to them and told them I do not owe anything I cancelled years ago. I told them to send me a copy of a new contract that I did not sign for. They not XXXX has sent a new signed contract because they dont have one. They are trying to collect money that I do not owe. I looked online and several people are having the same trouble out of XXXX XXXX. People are canceling and they are refusing to cancel them. I no longer have an account with XXXX. I cancelled years ago but they refused to cancel the month to month agreement. Please will someone help all of us trying to get away from this crooked company. Trying to scare people into paying for service they cancelled

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Wells Fargo fraudulently opened an account in my name. I have never set foot within a branch, talked to a wells fargo representative and no loans past or present have ever been handled through wells fargo. No loans have ever been transfered to wells fargo through a company purchase or such. Yet i have recieved a notice from them they overcharged me and wrote me a check. This is one of 2 things. Either they are fraudulently opening accounts again. Or this is a ploy from them and as people cash it or contact them, it is assumed authorization and proceed with creating the account for the recipient. I will not talk to them or cash check for this reason.

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 2021-05-28
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance with Pentagon Federal Credit Union in late XXXX. Last week I was told my house was an investment property and no longer qualified for the mortgage I had applied for. The loan officer who discussed my application never notified me that the mortgage was for limited use. Second, my home is not an investment property. Third, the it took nearly three months for them to decide on the mortgage. Fourth, I had to switch to another product. They wanted me to reapply and repay the appraisal fee. Fortunately, one person there figured out how to do the re-application without paying the fee. Fourth, the information they told me was the value on the appraisal was wrong. I contacted the appraiser who told me the value he gave was 30 percent higher. Fifth, I asked repeatedly for a copy of the appraisal since I paid for it. It's been over a week. Dodd-Frank requires that they provide me a copy of the appraisal promptly. Indeed, Dodd-Frank requires that they notify me that I have a right to receive my appraisal automatically. The delays, misinformation, and failure to comply with Dodd-Frank require investigation. Also, the repeated requests for information I had already sent.

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 2023-05-19
Company: Experian Information Solutions Inc.
State: FL
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 have violated my federally protected consumer rights to privacy and confidentiality under USC 1681. 

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 XXXXXXXX 15 U.S.C 1681 Section 602 A states I have a right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2019-01-02
Company: Experian Information Solutions 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:
I sent letters to the 3 credit bureaus ( Experian, XXXX, & XXXX ) for them to investigate 4 accounts that are reporting on my credit report that I have no knowledge of. I demanded, based on the Fair Credit Reporting Act, that they send me proof ( signed contracts ) that the accounts belong to me or remove the fraudulent accounts from my credit report in which they are required to do if they can not submit verifiable documents of each account.

Letter 1, 2, 3 & 4 was certified mailed to Experian, XXXX & XXXX respectively on XX/XX/2018 ( letters 1 ). 

XXXX : XX/XX/18, Experian : XX/XX/18, XXXX : XX/XX/18 ( letters 2 ). 

XXXX : XX/XX/18, XXXX : XX/XX/18 & Experian : XX/XX/18 ( letters 3 ). 

XXXX : XX/XX/18, XXXX XX/XX/18, Experian XX/XX/18 ( letters 4 ). 

The accounts that were requested by myself for XXXX, Experian, and XXXX to investigate are : XXXX XXXX XXXX, XXXX XXXX, XXXX Card, XXXX XXXX. 

Each time I sent a letter, their investigation came back as the accounts being verified as belonging to me without sending me a copy of verifiable proof of a consumer contract with my signature on it. Experian also sent me 2 out of their 4 response letters that they have sent letters previously regarding my dispute ( which was just them saying that they investigated and verified the accounts as mine without verifiable proof ) and that they will no longer investigate my accounts. The response letters they sent were dated as follow : Experian : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 XXXX : XX/XX/18, XX/XX/18, XX/XX/18, XX/XX/18 All of which they claim to have verified the accounts as belonging to me without sending a consumer contract with my signatures.

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 2023-05-23
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
someone attempter to apply for a credit card in my name... .Spoke to XXXX  Bank and they put a fraud alert but it is showing as an inquiry and that will harm my credit

Company response to consumer: Closed with explanation