BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-04
Company: Colony Brands, 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:
I was a victim of Identity theft in XX/XX/2016 and I was carjacked with my purse inside of the vehicle. Someone took my social security and ID and opened a car loan in XX/XX/2016. I have been going back in forth with XXXX XXXX to remove this item from my credit report and they have not been cooperative.I need this item to remove from my credit report so that I will be able to purse a vehicle. This negative impact has affected my credit rating and is showing up on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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 after the date of receipt. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$270.00} XXXX XXXX Balance : {$190.00} XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3800.00} XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$510.00} ; XXXX XXXX XXXX  XXXX Balance {$1000.00} ; XXXX XXXX XXXX Balance {$480.00} ; XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX ) XXXX XXXX {$410.00} ; XXXX XXXX XXXX Balance : {$7200.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XXXX XXXX, XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired XXXX XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: TX
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 my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 my follow-up complaint about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2020-06-15
Company: Garcadia Financial LLC
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
The company who has the loan for my truck, Foursight Capital, has tried three different times to ach my payment which I didn't approve and a {$30.00} charge was generated on my loan account with them. Each time I had made a phone payment and instead of debiting my account once, they attempted it twice. Of course the second attempt didn't clear and that is when they charged me a XXXX return check fee. I emailed their company on XXXX asking for a reversal of the XXXX in extra fees with no response from them. The dates of the fees are : XXXX, XXXX, XXXX. I am only asking to be refunded the XXXX and for this to never happen again! 

Sincerely Concerned Consumer

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX Balance 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 non-monetary relief
Consumer complaint received 2023-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
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: Information belongs to someone else

Complaint:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  NCXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  NC XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$12000.00} ; XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
See attatched USAA 1099- C MC Account XXXX opened XX/XX/XXXX CANCELLATION OF DEBT XXXX ** USAA NEVER CLOSED USAA USED MY PRIVATE SECURE DATA FROM THIS ACCOUNT TO OPEN see attatched USAA MC Statement XX/XX/XXXX Bal {$100.00} I DID NOT AUTHORIZE TO OPEN I DID NOT HAVE PISSESSION TRANSACTIONS NOT MINE. then ussa opened VISA end XXXX I DID NOT AUTHORIZE USING MY ORIGINAL PRIVATE DATA. see attatched {$470.00} UNAUTHORIZED TRANSACTIONS VUSA CARD XXXX I DID NOT OPEN.!!! USAA HOLDS CONSUMERS FINANCIAL HOSTAGE USING PRIVATE DATA WITHOUT CONSUMERS AUTHORIZATION FOR A LIFETIME!!! USSA CLAIMS AS LIFETIME MEMBER ( NO AUTHORIZATION IS NEEDED NO DRS LICENSE NO CONTRACT NO ORIGINAL SIGNATURE TO OPEN ACCOUNTS. ) ** USAA COMMITTED ID THEFT USING MY PRIVATE SECURE DATA TO OPEN FRAUDULENT ACCOUNTS ( USAA ALSO FRAUDULENTLY USED MY SECURE PAYMENT DATA TO MAKE PAYMENT XX/XX/XXXX I DI D NOT AUTHORIZE SOCIAL SECURITY SECTION 207 LAW VERY CLEAR SOCIAL SECURITY REVERSED PAYMENT. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Lamont, Hanley & Associates, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In late XX/XX/XXXX, I received a phone call followed by a collections notice from XXXX, XXXX XXXX XXXX claiming that I owe XXXX XXXX {$730.00} which is completely false. I asked them to send me the original invoice from XXXX as proof, showing the debt since I don't owe anyone anything that is past due. Instead, they sent me their own invoice asking me to pay them, a total stranger, the {$730.00}. Since XXXX, I have a XXXX XXXX life insurance policy which I pay annually via auto bank draft and that policy is currently paid thru XX/XX/XXXX. I'm a XXXX XXXX XXXX and licensed Insurance agent of 26 years so paying bills on time is mandatory for my career standing. My credit history goes back 38 years and is rated EXCELLENT since I have NEVER had one single late payment and my credit score has consistently been well over 800. I also filed a dispute with XXXX since that is the credit bureau where this false and erroneous debt collection appears, however, you can't speak with anyone in the USA. XXXX only has offshore customer service personnel in foreign countries who are very unresponsive and non-caring as to resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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

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 2022-07-21
Company: WESTERN UNION COMPANY, THE
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
MY husband and I attempted to send money to a pastor in XXXX for a water project at the amount of {$4100.00}. Due to the fact that we have not actually met this pastor in person Western union said that they would not deliver the money even though they did do a similar delivery in XXXX of last year. 

So we asked for a refund and this has be processed so they say and promised and each time we have talked with them and asked for a supervisor the say that all that can be said it that it is in process. We are now talking almost 3 months We have made 6 phone calls and have given up as we get the same story. Promise without any delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
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: Credit inquiries on your report that you don't recognize

Complaint:
Yes I really need help my personal information was compromised as a result of that my Identity was used to apply for some kind of credit. I have multiple Inquiries on my credit report that are fraudulent. This not not my doing at all as a matter of fact the dates are like back to back applying for credit. Thank you for helping me resolve this matter. 


XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2021 - XXXX  XXXX  XXXX. XXXX XXXX # XXXX XXXX, XXXX XXXX XXXX, 2021 - XXXX  XXXX  - XXXX. XXXX, 2021 - XXXX  XXXX. 

XXXX XXXX, 2021 - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Re : Urgent Dispute with Chase Bank To Whom It May Concern, I am writing to file an urgent and strongly worded dispute with Chase Bank regarding a recent settlement agreement that has unfairly damaged my credit report. My name is XXXX XXXX XXXX, and my account number with Chase is XXXX XXXX XXXX XXXX. I have been a loyal customer of Chase Bank for 8 and, regrettably, that loyalty has been repaid with dishonesty and deception. 

In XX/XX/XXXX, I was contacted by Chase Bank regarding an outstanding debt on my account. A Chase representative aggressively pushed for a settlement, promising a quick resolution to my financial woes. However, during this interaction, I was deliberately not informed about the severe credit consequences of this settlement. The lack of transparency and forthrightness from Chase Bank is nothing short of a betrayal of trust. 

I subsequently discovered that this settlement has inflicted serious harm to my credit score, leaving a detrimental and unjustified negative remark on my credit report. I am appalled by this underhanded tactic used by Chase Bank, as I was led to believe that this would be a reasonable and fair resolution to my financial situation. 

I insist that Chase Bank correct this injustice immediately. I demand that Chase Bank takes immediate action to remove the damaging negative remark from my credit report, restoring my credit to its rightful state. Furthermore, I expect Chase Bank to adopt transparent and ethical practices when dealing with customers ' financial matters. 

Enclosed, please find copies of the pertinent documentation, including my account statement and correspondence with Chase Bank, which clearly support my claims. 

I expect your prompt and thorough investigation of this matter. I demand a resolution that is not only fair but also serves as a deterrent to Chase Bank from engaging in such deceitful practices in the future. 

I urge you to act swiftly on this matter, as the damage inflicted upon my financial well-being is entirely unwarranted. You may contact me at XXXX or XXXX if you require further information or clarification. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-12
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage XXXX # XXXX. 
XXXX  XXXX XXXX sold my existing mortgage to SPS Select Portfolio Servicing , Inc . I was notified by mail of this from SPS letter that I received on XXXX XXXX. I immediately mailed SPS their form to handle ACH monthly withdrawals from my checking account to pay the mortgage automatically. 

On Saturday evening XX/XX/XXXX, I received a confirmation by mail from SPS dated XX/XX/2018 that my recurring ACH will not begin until XX/XX/2018. I also received the monthly bill for XXXX on XX/XX/2018. That bill had a statement date of XX/XX/2018 indicating that the due date is by XX/XX/2018 and would be charged a late fee if received after XX/XX/2018. On Sunday XX/XX/XXXX, I attempted to call SPS to pay my XXXX payment due on XX/XX/XXXX by phone. They were closed on Saturday after XXXX pm EST and on Sunday. 
On Sunday XX/XX/2018, I went on line and made the mortgage payment so that it would be paid by the due date of XX/XX/XXXX. I was charged a {$15.00} on line fee. On Monday XX/XX/2018, I called SPS Customer Service Dept and asked if they would credit me the {$15.00} since it was no fault of my own. The refused to do so. I asked for a Supervisor. They still refused. The SPS Customer Service Rep said they could have waived the fee if I paid by phone but not for the online transaction. This is very unfair. I never missed a payment while XXXX XXXX XXXX was servicing this mortgage. I respectfully request that SPS should refund the {$15.00} on line fee to me because SPS sent billing notifications by mail several days before the due date which would not allow sufficient time for my check to get to them by mail in time for the payment due date which would cause me to pay late fees. On my recorded line to SPS on Monday XX/XX/2018, I notified SPS Select Portfolio Servicing , Inc. that I would complain to the CFPB if they did not refund my {$15.00} on line fee. Their contact information : SPS Select Portfolio Servicing , Inc. XXXX. XXXX XXXX XXXX XXXX XXXX, UT XXXX, tel ( XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Bank of America allowed me to deposit a check from a lender, XXXX XXXX, and informed me that the funds would be made available after XXXX hours. I had bill to pay therefore I waited the XXXX hours and then I wrote checks and sent the checks to my debtors those checks balanced there was XXXX checks and they bounced and my bills never got paid and my car was repossessed my lost my job and all kinds of hardship happened because this they overdrafted my account and I have not been able to obtain a another bank account ever since and this is in XXXX  and this is like XX/XX/2018 the overdraft fees swallowed up the lenders funding and they are also telling me that I owe them {$180.00} because of this these overdraft fees and I was have not been able to obtain any bank account since this incident this Bank of America this is in 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