BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$37000.00}. 
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 ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -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 2020-07-27
Company: U.S. BANCORP
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This is related to the case : XXXX My U.S bank account was closed by the bank on XX/XX/2017 and there was an amount of {$170.00} balance left on the account during the closure. The U.S bank issued a cashier 's check on my name but sent it to my old address ( not sure why ). In the past three years, I called numerous times and also visited their bank at least four times to cancel the previously issued check and issue a new check to my current address but nothing worked. I logged a compliant ( case # XXXX ) regarding the same. They contacted and sent me a letter asking me to visit the branch with that letter to cancel and issue a new check. I did as they instructed but still, I did not receive the check.

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 2020-10-23
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I did not request a debit card from U.S. Bank ReliaCard. I want these mailings to stop. Anyone could have stolen my mail, and used it to commit fraud in my name. I deeply resent these kinds of mailings. Can't you do something to stop them? Please!

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 2020-10-23
Company: Experian Information Solutions Inc.
State: VA
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 asking for the following account to be deleted on my Credit report ; These accounts listed below do not belong to me, I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXXXXXX US DEPT ED XXXX DEPTEDXXXX XXXX XXXX XXXX    XXXX XXXX XXXX   XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXXXXXX DEPTEDXXXX XXXXXXXX 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 2023-01-11
Company: EQUIFAX, INC.
State: AL
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
My citi bank credit card that I had a {$4400.00} credit limit dropped my credit limit to {$800.00} the month our world was devastated with the pandemic & shut down & stocking up on vital medications & necessities Were Perative. Decreasing my limit in the amount of {$3600.00} when I needed to buy essentials & needed my credit card in an emergency situation & I had not one time been late or ever missed a payment in all the years I have had this credit card. They would not tell me why they did this or why The huge drop & they wouldnt correct it & change it back

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 2020-10-23
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
To Whom This May Concern, I contacted Comenity Bank on XX/XX/2020 and reported that the credit account ending in XXXX was a fraudulent account. I informed them that someone opened the unauthorized card in my name without my knowledge. I was will to cooperating by filing a police report to validate my claim. I was told to not file any reports and someone from their asset protection team would contact me by phone or mail to gathering any supporting documents I needed to complete the investigation. I received a decision letter in the mail on XX/XX/2020. They stated they concluded the investigation and the account is mine.

I was never contacted for any supporting documents or asked to fill out any identity theft forms. So how was the account investigated. I request to see the method of investigation. Where did they gather their information to validate this account?

I have placed security freezes on my credit reports. I now monitor my credit closely for any unauthorized accounts opened in my name. Identify theft is one of the hardest things to clear up from the consumer standpoint. Everyone thinks you are lying. I demand that this account be removed from all credit bureaus because a through investigation was not completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
These are not my accounts or my name on file. Please remove them.

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 2020-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
After the first notice from Bank of America about two accounts opened on my name using my social security number, my date of birth and my address on XXXX XXXX, I have contacted the Bank of America customer service centers, made identity theft report to the FTC ( FTC report number XXXX ), Fax all required documents to the Bank of America as demanded ( Fax number XXXX ). Without progress, the Bank of America kept sending statements on the reported fraud account. I filled one more complaint with the FTC ( FTC customer complaint number XXXX ). Following my letter to the Bank of America Corporate Center dated XX/XX/2020, I received a letter from the Bank of America on XX/XX/2020 with a case number XXXX for an account ending inXXXX ( full number known as XXXX ) telling me to call Risk Account Closure at XXXX for assistant with account status. I called the given number XXXX on XX/XX/2020 from XXXX to XXXX without result and was advised to call XXXX. I called the number XXXX at XXXX XX/XX/2020 then the call was cut off by Bank of America without answering. The recent statement letter received from Bank of America is an XXXX XXXX account ( account number XXXX ) which show a negative balance of {$100.00}. The Bank of America has had all of my documents they needed for my identity theft claim ; they desperately make thing easy for thefts to open account online without physically verifying. Moreover, they would know from their processing where the deposited fund came from and who owns the money account which used for depositing at opening, and where the end point is for the withdrawals to reach, plus who the owner of such receiving account is. However, Bank of America just keeps going after me as an identity theft victim for their loss because they failed to retake the lost money back as they could. The Bank of America should learn the respected way the XXXX XXXX  works in my case. The theft on my case opened four accounts at the same time at the end of XX/XX/2020 ; two with Bank of America and the other two with the XXXX XXXX. After being contacted and receiving all my required documents since XX/XX/2020, the XXXX XXXX  sent me a letter dated XX/XX/2020 saying they confirmed that I did not open the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
[ CA XXXX XXXX ] Fraud Charge Work/Important XXXX XXXX XX/XX/2021, XXXX XXXX Hi XXXX, Can you please send me an image of the charge on your account? What I need to see on the charge, is the date of the charge, the amount of charge, and there should XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX Hi XXXX, Ive attached and the email includes the information you requested. Let me know if you have any additional questions. Thank You! 

XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXX XXXX, Thank you for sending that over. Can you provide me with the last four numbers on the card that is connected to that account? XXXX XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX  Per your request, the last 4 digits of my account are XXXX XXXX XXXX XX/XX/2021, XXXX PM XXXX XXXX, XXXX do not see a charge in our system under your credit card XXXX XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX XXXXo XXXX Yes because I was advised to get issued a new XXXX attached a screenshot of the charge to this email. 

It won't allow me to send you the screenshot due to formatting. if we email I can send it to you. 

XXXX XXXX XXXX XX/XX/2021, XXXXXXXX XXXX to me XXXX XXXX, I do not see this charge in our system. 
You can call your bank and dispute the charge Please make sure to reply-all to this email to receive the best customer service XXXX XXXX HE CHARGED ME {$180.00}

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 monetary relief
Consumer complaint received 2017-12-19
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello, I am being denied loan modification due to my XXXX from being fired while on workers compensation. I am a XXXX XXXX XXXX that was fired while hurt on the job. From my injury I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I was current on my home mortgage until I was hurt on the job and fired. My wife is not employed and is currently in XXXX  school. I am the sole provider of my household and my salary per year was {$180000.00} per year until I was terminated from my job. I was granted a forbearance but then they said it was denied, I was granted a loan modification but then denied. The forms I submitted they stated was not sufficient enough. PennyMac is the mortgage servicer for my home. And with my injury the law states my I trest rate states it shouldnt be more than 2 % but mine is 3.5 %. The required mortgage is {$2400.00} but with my injury and current XXXX status I should be paying no more than {$600.00} per month for my mortgage. I am being scammed and they are trying to take my home. I was even told by Pennymac to sell my home and also that I didnt qualify for anything and I am stuck with being homeles with a wife and XXXX kids. Please call me at XXXX XXXX XXXX. 
My home address is : XXXX XXXX XXXX XXXX XXXX, Ca XXXX PennyMac Mortgage Loan number : XXXX telephone number : XXXX XXXX XXXX XXXX XXXX is the XXXX of the Loan issue. 
Please contact me ASAP and I will elaborate on the situation even more. I am also faxing my documents that is needed and requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: Pressler & Pressler, LLP
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a notice around the beginning of XXXX from a lawyer saying I was being sued for a debt unknown to me. During that time I was suffering from XXXX and was in the process of burying my XXXX Once I spoke with them I just complied because I was told Im being sued and I was scared. There were claims of them trying to contact me which I replied I received this XXXX so why wouldnt I have received the previous contacts. It was a very scary moment this was almost XXXX time Im not working. I asked if the debt could be resolved for a lower balance and was told no. This was a lot to process especially during such a trying time. I was told the debt was {$1000.00} and the lowest payment amount I could make was {$90.00}. This is a lot for a stay at home mom with no income, I wasnt given any other options or explanations. Ive paid on the debt with the understanding that this negative item would be removed yet it is still listed on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: The CMI Group, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, XXXX I received a notice from Credit Managemenet, L.P. on behalf of a debt owed of {$340.00} to the creditor XXXX XXXX XXXX dated XXXX XXXX, XXXX. I immediately called XXXX XXXX company to inquire about the notice because the amount on the notice and the information in regards to the notice was inaccurate. I spoke to a customer service representative ( Agent # XXXX ) in regards to my account and final bill. The agent stated that there was " in summary '' nothing she could do about it because it was handed over to collections. After 25 minutes of explaining the situation and problems with the account she deliberately muted my call and refused to speak. I then hung up the phone after allowing the phone call to elapse for 2-3 additional minutes. I then called XXXX XXXX back on XXXX XXXX, XXXX and spoke to a different customer service representative ( Agent # XXXX ). I requested to speak to a supervisor immediately and was not connected to a supervisor for 20 minutes after being on the phone with the above stated agent. There was a language barrier and it was hard for me to understand the agent and the agent to understand me. The agent repeatedly asked how could she help me with the account and I responded that she could help by connecting me to a supervisor. After 20 minutes I was finally connected to a supervisor ( Agent # XXXX ) to discuss the problems with my account. I stated to the supervisor that I had just RECENTLY CANCELLED my cable on XXXX XXXX, XXXX and I DID NOT RECEIVE a final bill from XXXX XXXX. I was extremely frustrated because I was n't given a final notice of the amount owed ( which was incorrect on the notice from the collection agency ), I was n't given an appropriate amount of time to pay the bill ( my cable had n't been off for a month ) and I received this aggressive letter from the collection company ( threatening to DESTROY my credit ) by reporting my account to all three collection beareaus if I did n't pay within 30 days. The supervisor told me that XXXX could not produce a final bill in writing until the end of my billing cycle which would come out on XXXX XXXX, XXXX and the actual amount I should be corrected to the ACTUAL amount due {$190.00}. However, I would have to settle my debt with the collection company and contact them for a final notice. AGAIN there was nothing XXXX could do because my account had been turned over to the Credit Managemnt Collection Company. On Friday, XXXX XXXX, XXXX, I called the collection company and they stated that NO CHANGES had been made to my account on behalf of XXXX and that I still owe {$340.00} to their company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions 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:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2020-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

XXXX XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX BK OF AMER Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 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 2020-11-17
Company: CITIBANK, N.A.
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:
I just logged on to my XXXX  Credit File and noticed a few Inquiries that I do not recognize and would like removed. FCRA states I have the right to proper credit reporting. 

Here are the following inquiries that need to be removed ... 

XXXX XXXX XXXX Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX CITI CARDS CBNA Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX XXXX  XXXX XXXX  Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX 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 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
On or about XX/XX/2020, my sister send a wire transfer from the XXXX XXXX to Bank of America ( receiver : XXXX ) Bank of America, NA XXXX, FL US for the amount of {$2500.00} U.S dollars. The final destination suppose to be XXXX XXXX. Bank of America is the intermediary Bank. The money was never received or send to XXXX XXXX. A complaint was filed against XXXX XXXX and they responded that they never received the {$2500.00}. Please see attached receipt for the transaction, Note on the attached documents the information showing Bank of American receiver XXXX. in XXXX, FL. Please see other attached documents.

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