BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-11-11
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
IC Systems - Debt Collector For XXXX Hospital Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I had the right to demand that IC Systems disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. I demanded that if they did not have any documentation in your files to verify the accuracy of these disputed accounts, then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). What was sent back to me as " validation of the debt '' was a forged document. The " contract '' sent to me included forged initials and signature. This is illegal. I would like action taken and the debt removed from ALL 3 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 explanation
Consumer complaint received 2019-11-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I currently lost my debit card. I barely use my debit card, as in the actual card. I normally use XXXX XXXX  instead of actually swiping my card. Comes to find out my card is actually missing. I wake up, getting ready for school and look at my account and its money going through my account. Im very confused so I called up the bank and told them to block my card. They told me a fake check was written in my name for XXXX so now I owe the bank XXXX. In my name. I dont wan na go to jail for somebody elses mess. I dont know what to do.

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 2023-07-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
This complaint is against Experian. 

I had a Name change done when I got XXXX citizenship in 2022. I am unable to dispute the name on my credit report with Experian through the online portal. We are expected to call or use mail. I'm pretty certain that they will require me to mail them PII like scans of my passport and a scan of my new SSN card. If this is true, it needs to change.

I did not send them anything when they opened a file on me. They got the info from the banks. Updates to this info including first and last name should happen automatically as long as the banks have my updated name ( banks have my updated info ). 

If this is not feasible, there should be an online way for me to send them sensitive documents ( via upload within the dispute process or a secure message ). 

XXXX does have an online dispute process that allowed me to upload the required documents within that workflow. 

I DO NOT want to send sensitive information over mail.

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 2023-03-09
Company: EQUIFAX, INC.
State: IL
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 2nd 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 items 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 XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX XXXXXXXX  Balance : {$510.00} XXXX XXXX XXXX XXXX Balance : {$840.00XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$25000.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$50.00} XXXX XXXX  XXXX Balance : {$20.00} XXXX XXXX XXXX XXXX Balance : {$840.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$1900.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$50.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: ALLY FINANCIAL INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-11-30
Company: Chime Financial Inc
State: IN
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:
My account was charged twice for {$100.00} equaling a total of {$100.00} for a cash transaction that I did not authorize and I am unaware of the recipient. I have sent in multiple disputes to Chime and they have deny my request but I have all the proof needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
L J Ross and Associates is trying to collect on a non existent debt from XXXX XXXX XXXX. Their online systems for both my wife and my accounts show a XXXX dollar balance, yet they are trying to collect on a debt. I am not sure if they obtained my information in a fraudulent manner or not. 

I have also not received a statement for this reference account from the original creditor.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-08
Company: Experian Information Solutions 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:
I have not supplied proof under the doctrine of estoppel by silence, Engalhardt v. Gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
Dear Manager ; How are you? Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) the ability of the consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this 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 2023-08-17
Company: Debt Recovery Solutions, LLC
State: CA
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 tried to get Information on original contract and history signatures. Nothing in writing is supplied that makes debt valid that I am liable. The company is DRS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Ive been disputing the inaccurate and Incomplete information for 5 months now. Ive ask the agencies to prove proof of verification and I keep getting a generic letter stating its been verified

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 2022-12-15
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( A ), I have sent letters to XXXX, XXXX and Equifax. XXXX and XXXX have sent letters back but the incorrect information was not fixed at all. Equifax has not responded at all and its been more that 30 days its been 90 days and it is still negative incorrect information on my credit report. This is beyond ridiculous and unacceptable! They continue to report harmful stuff on me and violating my rights. Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX  Account # XXXX Account Name : XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: WESTERN UNION COMPANY, THE
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
WESTERN UNION LOCKED MY ACCOUNT WITHOUT EXPLENATION.

SORRY... IS NOT ENOUNGH.!!!

I HAVE BEEN XXXX CUSTOMER FOR MORE THEN 20 YEARS. 

I AM RETIRED AND I NEED THE SERVICE. 

WHAT KIND OF CRIME HAVE I COMMITED AGAINST XXXX??? 

I LIKE TO KNOW, SO I CAN APPOLOGISE, PAY FOR THE CRIME, CORRECT THE PROBLEM, OR DO WHATEVER THE LAW REQUIRES. 

BEST REGARDS, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Chime Financial Inc
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:
On XX/XX/2023 money was withdrawn from my checking account. Five transactions were made from an ATM machine in XXXXXXXX XXXX. Three for {$300.00}, one for {$280.00}, and one for {$100.00}. I filed a dispute and a few days later chime informed me that during their investigation they found no error so no funds would be credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: PA
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 am a victim of identity theft please remove these fraud inquiries from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
TRANSUNION IS NOT UPDATING MY CREDIT CARD BALANCE AND HAS REPORTED THAT I HAVE A BALANCE OF {$350.00} AND THAT MY CURRENTLY USE OF 71 % THIS IS INCORRECT MY BALANCE OF THIS CREDIT CARD IS {$18.00} AND MY USE IS UNDER 10 % I HAVE ENCLOSED A SCREENSHOT OF MY ACCOUNT ANDA SCREENSHOT OF WHAT IS REPORTED Fair Credit Reporting Act Violations There are several common violations of the Fair Credit Reporting Act, involving both the thousands of companies reporting information and the three major bureaus taking the information and assigning it to your credit report. 
Some of the common violations include : When your credit circumstances change, your credit report must be updated. If its not, thats a violation. How could some violations occur? 
* Inaccurate statement of balance due. 
TRANSUNION IS IN VIOLATION OF FCRA LAW

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 2017-12-14
Company: Comerica
State: WY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I made a purchase for {$590.00} at the XXXX Wyoming US Post Office. They had to cancel the transaction because of a broken printer. 
The money was NOT refunded to my XXXX XXXX debit card XX/XX/XXXX. 
The Postmaster XXXX XXXX investigated it and tried again to refund my money on XX/XX/XXXX. 
XXXX XXXX XXXX did NOT put the refunded money on my debit and I had to call after midnight to talk to anybody. 
They gave me a dispute case number XXXX. I reported it to XXXX Wyoming Police case number XXXX. 
XXXX XXXX did NOT send dispute paperwork and lied about it. I send the info plus a letter from Postmaster XXXX XXXX on the matter to XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX Texas XXXX. No response. 
I faxed it to their dispute number XXXX and got transmission verification back but XXXX XXXX lies and said it wasnt received and it has been faxed twice. 
I reported this misdemeanor larceny theft to FDIC. 
I am reporting it to you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WY XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11
Company: CL Holdings LLC
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX added a collection in XXXX of 2019. I contacted them directly in XXXX of this year and again in XXXX of this year. The representative I spoke to provided the account information as well as the address for the account. The address on file is an address I have never been associated with. In XXXX the representative and I went through the steps of filing a fraudulent account claim. They assured me that the account would be deleted from all 3 of my credit reports. In XXXX, the account was still reporting to all the bureaus. I contacted XXXX again and the representative said the only way to appropriately file the fraud case was to contact the collection company directly. I called the number to Jefferson Capital provided by the representative and the representative for the collection agency said that even though the account was not mine and a fraudulent claim was filed, the account would continue to stay on all 3 bureaus until the balance was either paid in full or settled. I have never had XXXX XXXX  service.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: ERC
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received notice of an account with XXXX XXXX  in XX/XX/2022 in the amount of {$1700.00} and it appeared to be open in the summer of XXXX. This was first statement and it was months past due. I have 1 XXXX account with Mobile and home internet and a second account for a second residence. Both of these accounts are current and I pay every month and don't need a second account for mobile services because all my phones are on my current account. I reported it as fraud and identify theft with FTC and with XXXX and then put a fraud alert on credit bureau. I have provided XXXX fraud affidavit, ID showing myself, and the filing with FTC. They continue to deny it is fraud and keep reactivating it on my Credit Bureau. Their system is so convoluted that they only allow for you to submit the information through a portal and you are not allowed to talk to anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
In XXXX of XXXX, upon reviewing my consumer report, I saw that a XXXX XXXX XXXX  was purchased on XX/XX/XXXX, and was reporting on my reports from Exeter Finance LLC. I called Exeter Finance and spoke with the fraud department. XXXX XXXX, a representative from the fraud department, told me he's processing my information and sent me an email in order to confirm my identity. I responded to the email with my social and driver 's license and the personal information they had on file for the vehicle didn't match with mines.

I sent letters to the consumer reporting agencies to dispute and remove the fraudulent information from my credit report but they responded with a verified status. I proceeded to make an identity theft claim. I also put a security freeze on my consumer reports.

I reached out again to Exeter Finance on XX/XX/XXXX and spoke with a representative by the name XXXX who refrained to answer most of my questions. She gave the name of the person responsible for the car and it is XXXX XXXX. XXXX, also confirmed to me again that the information they had on file did not match mines and claimed to not being able to make-out the signature due to the ineligibility of the hand-writing. The vehicle was repossessed in XXXX XXXX, South Carolina. 

XXXX stated there was no record of the initial fraud claim from the first contact with Exeter Finance and refused to actually do a fraud claim due to receiving my letters and deeming the account accurate. 

Since I do not live in the state the crime took place, I was told I have to make a report in my state of residence first, then to call South Carolina with that report number to state the filing of the report in South Carolina. I have since reach out to my state police department and I am still awaiting a response or an update in regards to my identity theft fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
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: Credit inquiries on your report that you don't recognize

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
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 {$570.00}, {$27000.00}, {$0.00}, {$1400.00}. 
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 ) -- CLOSED ACCOUNT 1. XXXX  XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account. 


-- AUTO ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$27000.00} -This is not my account. 

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

-- OTHER ACCOUNT 4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1400.00} -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 2021-01-24
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A single violin ( " product '' ) was purchased and paid for in XX/XX/2018. XXXX XXXX XXXX XXXX ( " XXXX XXXX XXXX '' ) failed to deliver the product. XXXX XXXX XXXX was contacted regarding the failure to deliver. When the product was finally received, it was damaged. XXXX XXXX XXXX was contacted again and a replacement was sent. After receiving the replacement, XXXX XXXX XXXX requested that the damaged product be returned to them.The damaged product was packaged and set outside for pickup by XXXX ( XXXX XXXX XXXX agreed to arrange a pickup ). XXXX  never showed up. XXXX XXXX XXXX then ran an unauthorized charge on my account for the damaged product they failed to pickup. This charge was disputed. XXXX XXXX XXXX was informed and apologized. The aforementioned is in writing and is attached. 

Thereafter, XXXX XXXX  XXXX has attempted to collect on the disputed charged for the damaged item they failed to pickup. XXXX XXXX XXXX has sent the non-existent debt to a creditor, Transworld Systems Inc. ( Account XXXX. : XXXX ). Transworld Systems Inc.is attempting to collect on a non-existent debt in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with explanation