BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-30
Company: ALLY FINANCIAL 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:
RE : Account Number XXXX Account Number XXXX Account Number XXXX Dear Sir or Madam : I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 


XXXX XXXX XXXX. {$480.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$440.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT ALLY FINANCIAL {$54000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT 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 2018-02-28
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
ever since we moved to Florida in XX/XX/XXXX we have been living at XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Fl.XXXX in XXXX I had a XXXX XXXX done, and in XX/XX/XXXX I XXXX XXXX found out that they were some XXXX XXXX by some of out tenant, I went to the main office and question their staff and was told that is was true. I asked them if they were going to take the to court to remove them from the complex and I was informed by the staff that they were going to wait to their lease was over and terminate their lease, so I felt that XXXX XXXX XXXX was not thinking of their other tenants. they were placing my life in danger, I did not renew my lease and moved out in XXXX XXXX XXXX. they placed me with a collection agency Hunter Warfield to collect and extra month because I did not tell them that I was moving from the complex before my lease was up in XX/XX/XXXX. the collection agency placed my account with the credit bureau before they contacted me. 
I had been sending XXXX a month for the last ten months and now Hunter Warfield informed me that my payments were not enough and they would send it to their legal department. 
what recourse do I have as a consumer. 
Sincerly XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: SYNCHRONY FINANCIAL
State: IL
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:
On XX/XX/2020, I was contacted by my employer 's Human Resources Department to inform me that they had received an unemployment claim on my behalf. I let them know that this was fraudulent and then I filed a report with the Illinois Department of Employment Security ( IDES ). I was advised by IDES to review my credit report with each of the three bureaus. 

When I reviewed my credit report on XX/XX/2020, I noticed an incorrect address as well as an account that I never created - the account type is a credit card and the account name is SYNCB/PPC. In addition, the credit report flagged this account as " Potentially Negative. '' After reviewing the information about this account, it became apparent that this was not a credit card I had opened as I did not even know it existed, so I first contacted the company and they immediately canceled the account and started an investigation. The credit card company confirmed that the address on file for this card matches the incorrect address listed on my credit report. 

I am now filing this report and will be reporting this to local police as well as the other two credit bureaus.

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 2022-05-04
Company: Pressler & Pressler, LLP
State: NJ
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:
Pressler & Pressler has been told repeatedly that this is fraudulent debt. They even have a fake address on file from their creditor XXXX XXXX. Despite being told repeatedly, they continue to use bullying tactics, ignoring that it has been reported to both Them and XXXX XXXX as fraudulent. They have no records of the card being opened or who opened it, which would prove that it is fraudulent. 

They consistently have to 'check information ' then don't call back. Today I spoke with XXXX XXXX who didn't even know their License # for debt collector and indicated he was representing the attorney 's office not the debt collector. XXXX refused to provide the information needed on the affidavit of fraud and refused to send it to his work address as per request. He also refused to provide the same affidavit information electronically or by fax. 
He asked for an affidavit but refused to provide the information needed to clear the debt. 

They claim they responded to a former complaint to CFPB on XX/XX/XXXX but they refuse to indicate what their response is to the fraudulent debt charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: ERC
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account already and said that the dispute was complete, and that it was removed from my credit report. Well it is not removed and still affecting my credit. I am attempting to seriously change and better my credit so I would like this off of my report like they say it was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
When i paid off my loan with XXXX, I was told there was a balance left for taxes and fees in which i paid off in full XX/XX/2019. Then recently i get an updated credit report and they put a 30 late on my credit file for the month of 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 2018-02-08
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I Am Requesting An Itemized And Audit Report On My Account With XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX Because The Fund's That I Have Paid Is Not accounted For And My Account Balance Is Not Accurate

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 2020-10-29
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:
XXXX XXXX thru XX/XX/2020 multiple unauthorized transactions of {$7900.00} was debited from my Living Trust checking account fraudulently by XXXX. Bank  of America failed to Notify me of multiple debts 2-3 times on the same day. No fraudulent alerts were made to me to validate these debits. Due to COVID19 I was able to get an appointment to speak to a representative at the location on XXXX, XXXX, CA. I received a letter stating Bank of America is refunding {$4800.00} as of XX/XX/2020. I feel Bank of America should be responsible for the full amount. I trusted Bank of America to keep my money safe and I believe the bank failed to do so. I would appreciate you looking into the matter to give me a full refund of my money. Bank of America owes me a balance of {$3100.00} in addition to all over draft fees incurred from this fraudulent activity.

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 2019-01-24
Company: DISCOVER BANK
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The account that is being reported on my credit reports are a result of identity theft Discover Financial Services is claiming that I owe {$4700.00} as of XX/XX/2019. I previously sent them documentation that included an approved police report and an FTC report showing that this was a result of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I got into contact with XXXX XXXX later changed her name to XXXX XXXX on XXXX. She said she would transfer me {$130.00} to my Bank of America checkin account so i gave her my account number. But accidentally she sent {$1300.00} and asked me to send the difference back which was {$1100.00}. But later i realized the money she had sent me was not done by her but it was actually a temporary credit given to me by the bank. I went to bank but the manager said that don't worry about it the bank has given you temporary credit.She also said just the account number will not harm my account. But i wasn't satisfied with her response so i called the customer service to ask them what temporary credit was and why was there a claim number on the {$1300.00} amount because i didn't file any claim. They were of least help to me. Now i have got a letter from the bank stating that they will withdraw {$1300.00} back. I don't know how that person called on my behalf and asked for the temporary credit without having my credentials. I don't understand this loophole of the bank. They are asking to pay {$1300.00} which i didn't ask for. I really don't understand what's happening here. The customer service won't listen to my problem as according to them they sent a One Time Password to registered number to authenticate that person but they won't tell me the what number it was. But i am sure the only number that is linked to my account is my number and I didn't get any One Time Password on my number. Bank of America is not reliable at all. This is the case of identity theft as well or maybe bank didn't authorize the other person accurately and gave the temporary credit without any serious authentication.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Someone is attempting to open accounts in my name which is fraud. Please delete these inquires from my credit report because they are not being done by me.

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 2018-02-28
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:
I am a victim of identity theft, I have filed a police report/Sworn affidavit and have submitted this information to the three major credit bureaus as part of my dispute to show that I am not responsible for the debt that is reflecting on my credit report and dispute after dispute the credit bureaus come back with the same findings, saying they have confirmed and verified the information.

For example, I have two public records showing on my credit record as belonging to me, I State Tax Lien for the XXXX Of XXXX. 

The first record/State Tax lien is for {$12000.00}, the Second Tax lien is for {$51000.00}, according to the credit reports these items were filed on XX/XX/XXXX and XX/XX/XXXX respectively. But again I have proof these items don't belong to me and have submitted proof and documentation. 

I need help in clearing this items from my record because they don't belong to me, I am not sure how the credit report bureaus are verifying this information.

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 2018-07-27
Company: Midwest Recovery Systems
State: MO
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:
Over the years I've had problems with family members credit accounts being wrongfully reported to my credit file including bankruptcies!. Recently my sister 's medical bills totalling more than {$4500.00} from XXXX XXXX XXXX have been put on my credit report and I've contacted Midwest Recovery Systems who is the collection company handling the accounts. I've asked on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to please correct this problem. XXXX out of XXXX accounts were removed in XXXX but there is still one account that remains on there and continuously damaging my score. In the past my mother and father filed Bankruptcy and that public record landed on my credit report for years! I was unable to get a car, house, or anything. I didn't know where to go for information. I finally walked into a bankruptcy office and showed proof of identity and they removed it. This also happened with my younger brother using his nick name and resulted in medical bills totaling {$7000.00} being inaccurately reported to my file. I worked hard to removed those accounts. It's unfair and not right that these company 's just pin these accounts on family members of the people that benefited from the credit accounts. They also need to find a better way to find the people. I was told that MRS looked up the address and reported the delinquent account that way instead of reporting the account by the social security number. XXXX by address is XXXX and is wrong, not a good a practice because my sister and brother did live with me at one point. I have never had a fair chance to improve my credit score because of all of this. I am wondering if there is any way I can be compensated? Thank you. 
Midwest recovery systems XXXX XXXX XXXX XXXX United States Bankruptcy Court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: V and H Portfolio
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The name of the company is Vancehuffman. The account was opened XX/XX/2020. The balance they are requesting is {$3000.00}. I have contacted this company by mail and phone complaining that this account isn't mine and to remove it from all my credit profiles immediately. The representatives are extremely rude and they will not send me substantial verification of this account. I have been harassed by countless phone calls from bots also. The last time I contacted them via phone, a manager told me " If I want this to go away I would need to pay and stop complaining ''. Very unprofessional! I have a right to dispute this debt and I will continue to do so.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit reporting act XXXX XXXX XXXX XXXX reference # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2020-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 reviewed my credit report, and there is information that I have discovered which is not mine, which I would like to immediately dispute and have investigated. I believe that I may be a victim of identity theft. I do not recognize this account, and have never incurred debt with this creditor. I do not know where they came from. Thus, I am requesting that you please verify the validity of this account, and remove this once its confirmed that this is not mine.

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 2022-10-30
Company: Experian Information Solutions Inc.
State: TX
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 XXXX of XXXX, XXXX of XXXX, XXXX of XXXX and XXXX of XXXX I sent certified letters to Experian them that they were in violation of the FCRA and of requisite METRO 2 Complaint reporting standards. I have the right to a fair and accurate report, but Experian is illegally reporting inaccurate false information about me. They have been reporting an alleged account with XXXX XXXX, account # XXXX, on my credit report as a charge off with a past due balance of {$7500.00} and recently changed it to {$16000.00}. As of XX/XX/XXXX, XXXX and XXXX have since DELETED the account after their investigations showed that this account in fact did NOT belong to me and the information was not correct. 
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. 
This false reporting is financially impacting me in the worst way possible and I am prepared to move forward with filing the applicable legal paperwork. I cant proceed with securing financing for XXXX treatment because of this erroneous, inaccurate reporting that I have been fighting for far too long. My attorneys are prepped and ready pending the final outcome of this submittal.

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 2018-12-13
Company: Diversified Consultants, Inc.
State: MI
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My payments for 12 years were paid by military allotment. XXXX we got a call Bank of America had not received our XXXX payment. We sent proof military allotment paid electronically as always. Investigation will take up to 30 days. Bank of America also had a system change and it effected a lot of payments. We stilled received late notices while we waited. XXXX come again military allotment payment sent but they cant find it. We send proof. 30 days not up yet. We received certified mail ( which I refused ) stating we are 2 payments behind now. I filed a complaint, that was crossing the line in this situation. Today I call I was informed the payments were sent back to military allotments and they will no longer accept MILITARY ALLOTMENT payments. That is so wrong in all areas. I felt like they do not want to deal with the military almost disrespectful. Paying by military allotment gives the military member a peace of mind his/her family is taken care of as they are XXXX and The family doesnt have to worry about making the payment. I called military allotments told them, they having none of that information. I received the payments tracking # s and called Bank of America. They said it will take 5 days. I asked about no Military Allotments no longer accepted she said that was correct. I had to do all the research to prove the payments which at this point I have to wait and see if they find with tracking # s and to deal with the feeling my husband and many military members give there lives ( some loosing their lives ) so we all can have this freedom some take for granted.

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