BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XX/XX/XXXX called about inquiries that were never authorized by me. Was told that they were matter of fact and the creditors had to remove them. Called creditors and was informed that the specific credit bureau would have to remove them. Submitted proper documentation that it was in fact not authorized by me to said bureau. 
XX/XX/XXXX called to follow up was told no record of reports and documentation was on file and that inquires was matter of fact by creditors and I wouldnt be able to be helped until I resubmit documentation.

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 2018-06-28
Company: EQUIFAX, INC.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX is purposely preventing me from fixing my credit, please revie 11 page Attachment that shows unlawful debt collection practices regarding caking cops, among other things.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: CITIBANK, N.A.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A couple months ago I disputed a charge against a merchant for charging my Citi credit card when they already charged another card they had on file for me. I showed my statement with my other bank as proof to Citi and they kept ignoring, and just rebilled me for the transaction ... As mentioned to them previously, I already paid for this with my other bank and I am NOT paying for it again!!!

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 2021-06-22
Company: PORTFOLIO RECOVERY ASSOCIATES 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 account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: EQUIFAX, INC.
State: PA
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:
Ive faxed and mailed several letters to Equifax, XXXX and XXXX stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The XXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-12
Company: EQUIFAX, INC.
State: TN
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:
Section 802 states that abusive practices - unfair debt collection practices by many debt collectors contributes to a number of personal bankruptcies to marital instability, to the loss of jobs, and to invasions of individual privacy. This is extremely unfair and demand the following accounts be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: The CMI Group, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Management LP has place 3 medical collection debts on all three of my credit reports and when I found out I immediately reached out to them and informed them that my bills were written off from the hospital and the letters forwarded to physician 's office. I explained that the debt is not valid not owed and has ruined my credit I never received any letters from this creditor regarding this debt nor asked for my letters that they were indeed paid. The original creditor of these accounts were XXXX XXXX XXXX XXXX XXXX and the dates of services were : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Referrence # - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
At XXXX CA time on XX/XX/2018 I got a call from a US Bank rep asking me if I had submitted a credit card application with address=XXXX XXXX XXXX , XXXX XXXX , CA XXXX. I told her no and that I had not lived at that address for over 35 years! She also said the phone number listed on the application was a different phone number than the one she was calling me at. She then said the credit card application was denied and a fraud investigation would begin. It didn't! At XXXX on XX/XX/2018 I called US Bank fraud dept at XXXX and the rep took my correct mailing address, phone number and email address and said an investigator would call me. No one did! 
To my surprise and horror, I received an alert on XX/XX/2018 from XXXX XXXX XXXX credit monitoring stating that a credit card application was approved by US bank and that {$250.00} had been charged on that account which was being " investigated. '' HOW COULD THAT HAVE HAPPENED? 
Doesn't the bank have to verify the credit card applicant 's correct mailing address and phone number before approving the card application? Both address and phone on the application were wrong, yet it was approved! 
Doesn't the bank issuing the card need some other form of ID like a CA Driver 's license number and expiration date? A bank or credit card held by the applicant? 
-- >NONE OF THE ABOVE WERE PROVIDED. 
Also, three Fraud US Bank reps I spoke to promised to relay the information I provided to XXXX the investigator, but she told me today on the phone that no one had provided her any information on this case. Finally, when you call the number to report fraud on US Bank website [ https : //www.usbank.com/XXXX  ] which is XXXX, and after a long hold, a rep has to transfer you to another number/department and you are then put on hold for over 1 hour! They not only don't list the correct number but they are so short of legitimate Fraud reps that the victim can't get through on the phone! US Bank should be penalized for the above negligence and irresponsible conduct!

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 2018-03-28
Company: Credit Plus 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:
On XX/XX/2018 I made an inquiry to an on line company about refinancing my home. I talked to the agent on the phone to get basic information. With out my consent or knowledge a Hard credit inquiry was run which has adversely affected my credit score. This is in error and will stay on my report for 2 yrs. The company used to do the credit report was : Credit Plus, XXXX, MD XXXX XXXX Any help in this matter would be appreciated. 

Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 getting ready to file my taxes and my tax consultant told me that my taxes got rejected because somebody had already filed taxes with the same social security number. 
I had to take measure and call IRS etc. I then decided I needed to get my credit pulled to see what all has been accounted under my name. There was things on there I have never heard of in the years building my credit. Please get the items off my report. 

XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX   XXXX {$5500.00} XXXX XXXX XXXX XXXX {$460.00} XXXX. XXXX XXXX XXXX XXXX XXXX   XXXX {$3500.00}

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 2018-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I tried to pay off my BANKAMERICARD secured credit card with my prepaid XXXX XXXX account but for some reason my payment got returned. As a result Bank of America blocked or put a hold on my account so that they could charge me a late fee for not paying off my balance before its due date. Every time I try to make a payment using their mobile app I get a message saying : Your request cant be processed due to account status. Please contact us for assistance at XXXX. And every time I call them their Bank of America representatives try to make me pay more than whats due.

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 2018-09-13
Company: Glacier Bancorp Inc.
State: MT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XXXX I went to the bank in question ( XXXX XXXX XXXX ) and noticed that my bank account funds which were in my account {$13.00} which I had in my account went to ( XXXX ) which I consider to be theft. I want criminal charges filed against the above bank because I did not take any money out of my account. I want the criminal bank charged with the criminal acts that they committed. I had social security funds in my account and some money I had earned {$29.00}. I consider this to be criminal!!

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 2018-09-13
Company: Nelson Cruz & Associates LLC
State: OK
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XX/XX/XXXX I received a phone call from a family member stating that someone called and said that their had been a petition complaint filed against me and that they had documents for me to appear in court and that I needed to call XXXX. And speak with XXXX XXXX who made claims of taking me to court and that he would red flag my license plate and contact the sheriff and the district attorney in my city for them to deal with me. so I call the number and find out it is for a medical bill and as I after being extorted and threatened tried to set up some sort of arrangement to get the bill taken care of wich I have not received since they had an old address I had no clue of this outstanding bill I also tried to negotiate a payment plan wich was declined by the collector and he stated that he would need my checking account or debit card information before he ould do anything ... .wich I find fishy he stated that if I mailed a check I would have to pay more and I would have to pay the full amount in TWO PAYMENTS wich is not an option for me at the moment the collector then asked me for my phone number wich i declined to give since i had his contact information I dont want them calling me ... the collector then said he was done talking and he would be contacting county officials and he would red flag my license plate and have the sheriff serve me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: Midwest Recovery Systems
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: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, Im only XXXX years old I started building my credit at XXXX but I stupidly had lots of credit cards at the age of XXXX but when I turned XXXX I paid most. And when I checked my credit score a couple days ago I see this one I never ever seen before it just upsets me seeing companys trying find any money. I have no idea what the XXXX it is : / just upsets me because in a couple days Im turning XXXX and it just sucks knowing someone took your identity and did this. If yall can please just help me I dont want to have this on my report for the next 6 years please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-23
Company: Brightfunders, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
My date scheduled to close on a house was Friday, XX/XX/2018 at XXXX XXXX The closing could not go forward because, the appraisal was for a conventional loan and it should have been for an FHA loan. As a result, I lost {$500.00} for an appraisal that could not be used at settlement. I would like to be reimbursed for the money I spent for my appraisal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased a card about 5 years ago at XXXX 's XXXX XXXX value of {$500.00}. I bought 2 cards and used them to go on a trip. I thought the card was empty so it was destroyed. Then I got a letter from US Bank stating that there was $ XXXX.and change left on the card and that I needed to call them if I needed a replacement card or the $ $ would go to the state. I called as soon as I received the letter and was told, " no problem. a new card would be mailed and I would receive it in 7-10 working days. '' The card never arrived however I was charged a {$5.00} re-issue fee. So I called back and a second time was charged a re-issue fee and told it would come in 7-10 working days. The card never came. I called back a 3rd time and was told that it had been done wrong the first 2 times and now I needed to fax the front and back sides of the letter, the envelope it came in and a letter written to them of why it needed to go to a new address.since my home was involved in a legal battle. I also included my drivers license copy so they had my ID with the original address on it. I had to pay {$8.00} to XXXX 's to have this done as now I am living in my car and don't have access to my own fax machine. Still no card came. Spoke to a manager a fourth time and still no card. I called next and now they say there is no record and I should fax all these things again and that I need to provide a new envelope with the address change on it. I have no bills and I am responsible so I notified all important parties that I had an address change so I an not at this time provide a new envelope with a change of address sticker on it. US Bank has been so nice on the phone until the last man I spoke with who was rude and inconsiderate. It should not take 5 months to get a replacement card of {$250.00} Everyone needs a little help sometimes and I really could use this money as I am now homeless and on food stamps and living in my car. Thank You P.S. Any documents I have now will have to be downloaded or copied at a later time.

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 2020-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After informing Bank of America of my identity theft situation and providing the necessary documents, they did not adhere to the FCRA 's Notice of Furnishers and continued reporting fraudulent information to the credit bureaus. I provided both a police report and an identity theft report from the Federal Trade Commission. I am XXXX and haven't had full autonomy of my finances for many years. I am requesting that I be absolved of any and all association to account ending in # 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 2020-08-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- PERSONAL ACCOUNTS 6. 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 2020-08-21
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:
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}, {$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 with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

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


-- AUTO ACCOUNT 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


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

Company response to consumer: Closed with explanation