BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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. Accounts name : XXXX XXXX # XXXX BALANCE {$2400.00} XXXX XXXX # XXXX. BALANCE {$3500.00} XXXX XXXX XXXX XXXX XXXXXXXX. BALANCE {$11000.00} XXXX XXXX XXXX XXXX XXXXXXXX. BALANCE {$4900.00} XXXX XXXX XXXX XXXXXXXX # XXXX BALANCE {$16000.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX. BALANCE {$15000.00} XXXX XXXX XXXX XXXX # XXXX. BALANCE {$16000.00} XXXX XXXX XXXX XXXX XXXX  XXXX. BALANCE {$15000.00} 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 non-monetary relief
Consumer complaint received 2018-12-11
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I've been trying to get access to my credit score, but everytime I do, only XXXX, and XXXX are able to give me my score. I've tried to call Equifax and they always tell me that they couldn't access my account and to send a copy of my social and a copy of my ID. I've sent it more then 10 times in the last 3 weeks. I need to buy a house soon and this is the only thing holding me back. Im getting to the point where I want to sue them for negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-16
Company: ERC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX XXXX XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX TX XXXX ERC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ERC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX SOC SEC # XXXX DOB XX/XX/1971 ADDRESS XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/2020 I received a written notification from XXXX XXXX XXXX , XXXX claiming they were attempting to collect on a debt for the original creditor XXXX XXXX  with an account number referred to as ( XXXX XXXX XXXX XXXX ). 

Upon receiving this information and not having any previous knowledge of the account in question I requested validation under the Fair Debit Collection Act. In my request, I demanded a copy of any and all documentation showing this account was authorized and opened on my behalf including but not limited to a signed agreement. On the contrary to my request I notified Monarch that this account was previously investigated by law enforcement and deemed fraudulent due to identity theft but pursuant to law I would await their proof of ownership. 

On the contrary to my previous position on XX/XX/2020 I received notification including copies of what appears to be a credit card statement. In a review of these documents which did not include what I requested the name and address were both identifiers not associated with me personally. At this present time I have turned the matter over to our attorney for immediate action but I was instructed by law enforcement to open a claim pertaining to Monarch 's failure to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: PA
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 have been a victim of identity theft and they tried to open a credit card in my name and my credit score has dropped significantly I would like it removed.

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 2023-07-07
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:
I contacted your office after I ordered a credit report with XXXX XXXX  on XX/XX/. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that this was CHARGE OFFS accounts on my credit report. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud account on my credit report all this time just today I have charge off that I have never seen before, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with the accounts listed below, so please help me remove this charge off including this incorrect information from my personal profile. A copy of my Utility Bill, drivers License, and my Social Security Number are all included in this written request. Please help me resolve this issue as soon as possible. PLEASE DELETE THIS FRAUDULENT ITEMS : XXXXXXXX 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 2021-09-27
Company: Experian Information Solutions Inc.
State: PA
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 have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX  Account # XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Credit Card Balance {$250.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Commercial Installment Loan Balance {$7100.00} XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Collection Agency Attorney Balance {$2100.00} XXXX XXXX Date Opened : XX/XX/XXXX Phone ( XXXX ) XXXX Factoring Company Account Balance {$950.00} have violated my rights.

15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
1. Bank of America ( BoA ) was not able to protect the confidential information of my XXXX XXXX XXXX and XXXX Account in BoA. A hacker was able to obtain this information known only to BoA and myself to know when my XXXX deposits were made and set up transfers from my XXXX Debit Card account to a checking or saving account named State of CA XXXX Unemployment. A summary of all the transactions is attached. A total of {$7400.00} out of {$11000.00} were taken by the hacker. I do not have a checking or saving account at BoA. 
2. Bank of America has enough knowledge to recognize the initial few unauthorized transfers of money to be illegitimate and canceled my first EED Debit card account around XX/XX/2022. When I inquired, they issued me a second card in XXXX or XXXX. However, the hacker was able to immediately obtain the information on this new card and continue to withdraw money from my XXXX XXXX XXXX account. 
3. I notified BoAs XXXX XXXX XXXX Customer Service about these unauthorized withdraws in XX/XX/2022. After BoAs investigation, they sent me a letter saying the withdraws were not errors, even though hundreds of thousands of other XXXX accounts had complained about this problem. I requested information they used to arrive at their decision, but no information was ever provided to me. ( Letter attached ) 4. I made a second requestion to BoA to reconsider their conclusion in XX/XX/2022. Again, they came to the same conclusion and provide no information they used to arrive at their conclusion. ( Second letter also attached )

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 2023-08-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : 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 2022-12-29
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I requested a loan assumption on XX/XX/2022 and submitted documents to CMG Financial on XX/XX/2022. To date CMG has failed to respond. I have online chatted, emailed, online messaged, and called numerous times ( weekly ). CMG has failed to contact me with a status of my loan assumption. It appears they are not acting on my request. I can talk to customer service, and an escalation team member, but they can not tell me anything. Seems no one can tell me the status of my request. They did confirm the request was received. I do not know if they have even started working on it. I sold my house based on assuming my loan ( which is clearly an assumable loan ). I am in jeopardy of defaulting on my sale contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: FREEDOM FINANCIAL NETWORK
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:
I went with company spent alot of money and only one of my debts were cleared, i gave XXXX a month for over a year. I talked a gentleman he said is there any money that they keep on hand, so i called and nothing was done, so i still have alot of debt and thought most of it was handled with freedom debt relief, not sure what has happened but i know i spent a bunch of money, i dont want to get anyone in trouble I just want my credit score back and money what is owed to me thankyou XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-24
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was a XXXX customer for many years, but due to some unfair practices " Free Tablet offer than after receiving the free offer they turn around an charge you for it along with a monthly charge for usage. I decided to stop using their service. However, my equipment was paid for. It appears after i discontinued service they accumulated extra bills on that account and turn them over to me as debt. 
I do not owe the sprint company any money. the XXXX company sold my name IC System and the IC System reported me to two Credit agency XXXX XXXX and XXXX. 
With information obtain from XXXX service. I contacted XXXX Customer Care on  XXXX XXXX an the Rep. could not get access nor verified any information regarding that claim. I contacted XXXX XXXX and XXXX credit Bureau all of them fail to help me. I need HELP because the greed and unfair practice of XXXX have place my credit freedom on HOLD for far too long ... XXXX,, Help Please Thank you

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 2023-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, XXXX and TransUnion Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that XXXX and TransUnion Credit Bureaus are responsible for their tenacious rebelliousness. 
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 2021-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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: Overcharged for something you did purchase with the card

Complaint:
I had a transaction processed for a purchase in the amount of {$1000.00}, which what was agreed upon, after checking the credit card statement later that day I found out the merchant charged {$130.00} on top of the {$1000.00}, total charge was {$1100.00}! 

I called the credit card company " Capital One '' & I explained the entire incident with the merchant, the banker " Capital One employee '' he said will try to resolve this with the merchant, if he refused to reverse the charge then we can not do anything & I have to pay for the charge! 

Well the contract signed up with them when I accepted their card clearly says that the cardholder is protected for those types of fraud charges! Mind you I have been an account holder for this Credit Capital One card for almost 20 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-22
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2021 the XXXX approved of me an XXXX XXXXXXXX XXXX for XXXX $ & another part for XXXX $ I went to the first horizon ( my bank ) to make a withdrawal.. 

The bank didnt touch my XXXX $ but when I got the XXXX it went through & was in my account it posted. 

I went to the teller trying to withdraw XXXX $ so I can put my deposit down for my XXXX store. I heard the teller on the phone with her XXXX. She personally flagged my account and they wouldnt release my funds till I gave them my tax returns & my business license. 

I gave them both of those things they requested my account is still negative. XXXX XXXX 

I feel discriminated because of my age and race! This is not right. I am looking for lawyers now because this whole situation is utterly ridiculous!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a savings account with a balance of {$590.00} which I opened in 2002. Apparently because the account was not set correctly in their system, I'm not allowed to withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My backpack was stolen on XX/XX/18 which contained my laptop, my cell phone, and my wallet. Afterwards, the thieves got into my bank account and uploaded fraudulent checks under my name. This happened to two of my accounts. The first account ending in XXXX was affected on XX/XX/18 with check # XXXX in the amount of {$1200.00} and # XXXX in the amount of {$1100.00}. The account ending in XXXX was affected on XX/XX/18 with check # XXXX in the amount of {$5500.00} and on XX/XX/18 with check # XXXX in the amount of {$980.00}. This has taken both of my accounts into deep overdraft and also they are frozen at this time. At the time I had {$450.00} on hold from a money order I uploaded, which ultimately got take by whoever gained access to my account. A police report was filed and sent in. I also made a fraud claim with USAA only for them to turn around and tell me in liable for the charges. I've gotten the runaround from them for the last week or so now and I feel they will continue to blame me for these charges even though I CALLED INTO THE BANK TO REPORT THE CHARGES. They never contacted me about any of the activity on my accounts. Now I'm stranded 1000 miles from home, being a XXXX XXXX from XXXX going to school in Florida, with no bank account, no way to access my money, no way to eat, no way to pay my bills, and no support system. USAA does not care about their customers as I feel like they did not do a thorough investigation before they found ME liable for fraudulent activity on my own account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation