BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-23
Company: I.C. System, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Call me several time thru out the days threatening me I ask to get those phone off my name they refused to turn them off They over charger for phone I turn back in and they was chargering me over for a phone I didnt not have Im notifying the 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 2020-09-30
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:
TransUnion File Number : XXXX MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  Breach of XXXX. Also Receive a email from TransUnion today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling TransUnion i have a list of account that was open and use without my consent MY TransUnion File Number : XXXX i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXXXXXX XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX  XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports

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 2021-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
Between XX/XX/XXXX and XX/XX/XXXX, XXXX charges were made to my credit card for a total of XXXX during the first week in XXXX, I realized this was happening and immediately contacted Bank of America XXXX BOA issued me temporary credit on the account and said they would investigate. All fraudulent charges were made in Connecticut and Rhode Island. I reside in New Jersey. On XX/XX/XXXX, I received 2 letters from BOA. One letter stated that two of the charges totaling XXXX were being credited since the merchants agreed to reverse the charges. The next letter stated that the remainder of the claims were being denied because it was determined that the card was used for the purchases bases on one or all of the following reasons : the chip was read, my PIN was entered, and/or I signed for the merchandise or service, which indicates I or someone I allowed to use my card was present. At this time, my account was re-charged for the purchases. When I made the claim, I told BOA that both my wife and I had our cards in our possession and we did not give our cards to anyone else to use. I also told them that I did not even have a PIN for the card and have never used a PIN for any purchases. Also, that if a signature was used, it would clearly show that it does not match mine. In addition, I stated that this card has always been used only for groceries and gas purchases, which could be confirmed by looking at the purchase history ( none of the fraudulent charges were for either one of these categories ). After I received the letter, I went to my local BOA branch where I have banked for over 25 years and am a platinum reward member. I have several accounts at the bank and their Merrill Lynch division totaling over XXXX. The rep called the credit card decision and asked to reopen the claim. I then went to the XXXX XXXX police dept and filed a report regarding this theft. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX, that stated the bank was unable to approve the fraud claims totaling XXXX because it was determined that while I did not personally make the charges, they confirmed they were made by an authorized user on the account or someone who has permission to use the card. I have no idea how they determined that I gave someone permission to use my card, since this is not the case.

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 monetary relief
Consumer complaint received 2020-09-30
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Midland Credit has sued me for a credit card debt of {$4500.00}. I have asked them to validate the debt. I have sent multiple letters asking for validation per 1692g of the FDCPA. I have not received a valid response from Midland Credit. 

I have received a response from their lawyers, saying that my request for validation is irrelevant, immaterial, cumbersome confidential, and attorney-client privilege. 

I have been requesting validation of this debt for the past 60 days and am not getting the information needed to verify the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I contacted Wells Fargo Dealer Services to discuss my auto loan due to my vehicle repairs being above the value of the car and the amount I owed. I originally asked for a settlement on my loan on XX/XX/18. The next day a representative called to say I was offered a settlement of {$4500.00} a savings of approx. {$800.00}. I stated I would need to think about it. I called again on the XX/XX/18 and asked for a lower settlement of {$3700.00}, I was told it is not negotiable. I called again on XX/XX/XXXX for the settlement in writing I was told that I could not get that because I did not accept the settlement. In turn I accepted the offer and then was told I still couldn't get it in writing because I didn't pay it yet. On XX/XX/18, I paid the account at the local branch and the teller informed me my balance was around {$5200.00}. I told her that is my payoff not my settlement. The banker called dealer services to inform them that I in fact made the payment and asked if I could get something showing it was paid as agreed. They told her there was nothing that I could get but they saw the settlement offer and I would receive a letter and title in the mail. The following day I checked my account online, my payment showed has a very large regular payment with part going towards principle and the rest going towards interest. I called, they said it would take a few days but would be fixed. I checked the next day and the payment was adjusted however, the loan is still not showing it is settled. The account is showing a balance of {$800.00}. With another phone call I reached the " office of the president '' I was told that the issue needed to be researched and someone would call me within 48 hours. I received a call on XX/XX/XXXX and XX/XX/XXXX to have to restate my issue again resulting in another stall tactic saying they would need to research this issue. I called for an update and was told they were needed to speak with the person that offered the settlement and to give them more time. After calling for another update on XX/XX/18 I was told that they spoke with the person that offered me the settlement but they are searching for the " document ''. I asked why we can't find whatever it is we are looking for I did not get a straight answer.

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 2023-04-19
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Dear Experian, I am writing to request the removal of two missed payments from my credit report as per the rules of construction under 15 US Code 1681A Title Definitions.

I missed two payments on my [ XXXX Credit Card ]. As per the terms of the agreement, this missed payment was reported to the credit bureaus, affecting my credit score and making it difficult for me to obtain credit in the future.

However, I would like to draw your attention to the rules of construction under 15 US Code 1681A Title Definitions, which state that any information reported to the credit bureaus must be accurate, relevant, and substantiated. In the case of the missed payments.I believe that it does not meet these criteria, and as such, should be removed from my credit report. 

I would appreciate your prompt attention to this matter and your confirmation that the missed payment has been removed from my credit report. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: EQUIFAX, INC.
State: GA
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX Account XXXX Account name : XXXX  XXXX Account XXXX Account name : XXXX  XXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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:
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 U.S.C 1681. ACCOUNT Name : MXXXX/DOFED  XXXX and XXXX/DOFED XXXX. 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 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I logged into my account today and Td Bank check out {$480.00} something about some old accounts that were charged off do you shouldnt be able to go in and take money out now I cant get cash or money or pay my electric bill no one is willing to help me I have {$35.00} left in my name now my current account that I have with them from which two years has been in good standing I stopped by branch office no one wanted to help me there just give me a number to call I called the number and no ones been able to do anything no one wont help me and no one will let me get my money back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: EQUIFAX, 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:
I AM EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
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:
TransUnion File Number : XXXX MY NAME IS XXXX XXXX Today date is XXXX XXXX & I'm The Only One Writing This complaint!!!! This Is the second time i made file a complaint with the CFPB ( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report i've try over and over to solve this matter and still haven't been solved I recently found i was involved in the XXXX  Breach of XXXX. Also Receive a email from TransUnion today XXXX XXXX saying that Compromised Email Address Alert and that Your Email Address was exposed on the Dark Web, I'm very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit after carefully reviewing all 3 of my credit files Ive noticed that i have after finding out i've place a fraud alert on my credit file on XXXX but that still haven't help fraudulent accounts still was open after calling TransUnion i have a list of account that was open and use without my consent MY TransUnion File Number : XXXX i also have A POLICE REPORT FROM XXXX XXXX POLICE DEPARTMENT CAD Incident Number XXXX and My FTC report # XXXX, here 's the list of accounts that was open fraudulently XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX XXXX XXXX XXXX {$24000.00} XXXX XX/XX/XXXX XXXX XXXX/XXXX  {$300.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXXXXXX XXXX, OR XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX {$680.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  XXXX {$550.00} XXXX XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX/XXXX  XXXX {$1800.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX XXXX XXXX XXXX {$1400.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX {$670.00} XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX CO XXXX XXXX XXXX, XXXX ( XXXX ) XXXX PLEASE HELP ME i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports

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 2018-10-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a VA loan through USAA, on XX/XX/2018for a home that was {$130000.00}. As I was working the process of the loan the home, I changed to a different house that cost {$130000.00} on XX/XX/2018. On XX/XX/2018 the VA sent USAA a copy of the certificate of eligibility stating that the total cost of the house has to be above {$140000.00}. After I paid to USAA {$440.00} for an appraisal, and the housing inspector {$280.00} on the XX/XX/XXXX. On XX/XX/XXXX, USAA mortgage processor contacted me and said they couldnt go ahead with the loan. Stating that the loan needed to be above {$140000.00}, so she raised the price of the house to {$140000.00} and sent me that part of the contract to sign. I questioned her actions and called the VA. The VA said that yes it has to be over {$140000.00} for the total loan not just house. Stating that the VA funding fee and any other expenses could be included. I asked about the energy efficiency upgrades, she stated as long as the total loan is above {$140000.00} than Id be fine. When I contacted the processor and let her know that those can be added to the total cost and that will get it above the {$140000.00}. She said shed work it and she sent another contract with the total cost at {$130000.00}. The USAA processor called me on XX/XX/XXXX, and said that the loan was denied and I needed more documentation to support documentation that was sent. When I asked her about getting the appraisal and inspection fees returned she said no because those are non refundable because the work was done. I questioned why wasnt I notified that it had to be above {$140000.00} prior to paying those fees she didnt provide answer. When I asked why not just add the energy efficiency upgrades to the loan, she said it was a new house, and that it doesnt need energy efficiency upgrades. The house comes with non energy efficiency appliances and still need a refrigerator. Later that day gave her additional supporting documents. She responded with and email stating that the difference in the {$130000.00} and {$140000.00} is only {$50.00} a month. To me it seems that it taking an additional {$9000.00} from the VA and paying it to USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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 have violated my federally protect consumer right to privacy and confidentiality under U.S.C 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. 

XXXX XXXX XXXX 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