BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-07
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 {$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. 

-- COLLECTION ACCOUNTS 1. XXXX 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 2019-10-29
Company: ALLY FINANCIAL 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: Was not notified of investigation status or results

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2019 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2021-02-23
Company: Independent Recovery Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have sent a debt validation letter on XX/XX/2021 to the company Independent Recovery Resources , inc. and the company has failed to validate my debt. Instead they sent a list of my medical records which i know is a direct violation of HIPPAA regulations. I never signed a HIPPA form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately. 

Company phone number XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: Concord Servicing Corporation
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: Account status incorrect

Complaint:
My credit report shows an open account with Concord Financial for {$17000.00} which was last updated on XX/XX/XXXX. The account is no longer open with Concord Financial and should be shown as either closed or cancelled. I called and recorded a call with Concord Financial on XX/XX/XXXX with a third party credit validator for a home mortgage to verify the account was in fact closed/cancelled. I asked Concord Financial to update my credit report and they have not updated my file. It is still showing as an adverse account. I can provide the recorded call if needed to show that Concord does agree that the account is closed/cancelled with {$0.00} 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 2021-06-28
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and does not help me getting it back up and going. I am not sure if it is a mistake as I assume it has to be. I have not been able to get any help from them since a couple of months but I just remembered that I could file a report on here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-29
Company: Bread Financial Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX of 2019 XXXX XXXX credit card through comenity bank notified me that the account was closed and I was no longer responsible due to fraudulent charges. In XXXX I received a notice that a payment was due, I can not access the account and when I try to contact them I am advised there is a payment due and no further information can be given. I haven't received any type of statements or notices regarding the account, this is illegal and unfair billing practices according to MD law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: Experian Information Solutions 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:
Please remove this inaccurate information from my credit profile as soon as possible.

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 2021-06-28
Company: EQUIFAX, INC.
State: FL
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown items reflecting on my credit report. As of today, over 30 days later I have not received a response yet. It appears that Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), clearly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 50 days so the inaccurate and unknown items should be deleted immediately. I demand these accounts be removed immediately or I will file for litigation due to the mental trauma and stress you caused me. My information was also impacted by the XXXX XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX IS VIOLATING THE LAW BUY PRE REPORTING ACCOUNTS BEFIORE THE DUE DATE, AND INACCURATELY REPORTING MY CLOSED ACCOUNT 30 DAYS LATE PREMATURLY. THEY REPORTED I HAVE 11 LATE PAYMENT WHICH IS NOT TRUE.

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 2020-09-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to XXXX I reported it to XXXX and Experian and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right now

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 2022-08-06
Company: U.S. BANCORP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Please see the attached 4 documents recorded in different county Court records across Florida, initiated by XXXX XXXX XXXX, a supervisor of US Bank, in XXXX XXXX, WI. 
All contain robo-signatures to pull the document out of the XXXX 
XXXX XXXX XXXX presented " herself '' twice on one document as a US Bank employee requesting the document AND on the other end as a XXXX  employee/witness. 
This is the FIRST step the perpetrators take in a series of action to take total control of property that does not belong to them, they haven't secured an interest in or paid value for. 
US Bank is a " front '' for investors. 
It's not a bank. 
It's not a servicer of mortgages. 
It sends out " misrepresentations '' electronically generated to victims to make them believe a mortgage and debt exists when it does not.

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 2021-05-19
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:
I am writing to delete the following information in my file .The items i need deleted are listed in the report. i am a victim of identity theft and did not make the charge .I ask that the items be deleted to correct my credit report. i reported the theft of my identity to the Federal Trade commission and i also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit Please delete items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: JPMORGAN CHASE & CO.
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:
To whom this may concern my name is XXXX XXXX I received a copy of my credit report and after reviewing it there is one account reporting on my credit files that I had no Knowledge of. The first account is Chase Card I did not authorize them to open this account. I have been in contact with the credit bureaus, i have sent over several certified letters over to your companies. I have record of the phone calls, certified mail sent to your companies and i am sick and tired. I am in distress and i am leaning towards taking legal actions against your companies within 72 hours of you receiving this message. If you feel that this is an error on my part please kindly take the time out to show me the process on how you verify an item and what steps you take to prove that a debt is owed. Your company has violated my rights on several occasions and have broken several laws in The FCRA sections 609, 611, 604, and several other laws in the FCRA. My consent was violated in this process because i was not contacted by anyone that i owed a debt or an account being placed on my account. I therefore know that this is a violation of my rights and i will take legal actions towards your companies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am a victim of identity theft

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 2020-09-08
Company: Westlake Services, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently checked my credit report and notice unauthorized inquiries from XXXX  XXXX XXXX XXXX  and XXXX. I recently applied for a credit card with XXXX  XXXX and got approved but I didnt apply for an auto loan or go to any dealer so Im sure this is fraud activity. I called the company and they said they would get back to me in 24 hours and its been 3 days. I want these inquiries removed from my report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: DISCOVER BANK
State: WI
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:
Roughly XX/XX/2019. XXXX. A little over XXXX paid down to XXXX, XXXX. Went through fraud crime 's and was denied. I filled numerous times for fraud and was denied. A bank in Arizona was paying it off and charging it and paying it off without my knowledge they then had all the charges reversed and stuck onto my account. I live in the XXXX and do not know anyone in that area. My card was stolen and was used in a town over. Living in a college town it could be anyone from XXXX individuals. That also shop in the same area. They stated that I had lied and withheld information which i know i had never once done. This is not something i did and there is no need for me to lie or withhold any information used to help my investigations. I have already paid XXXX on something that i had not even done. I can no longer afford a mistake that I didnt even create.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
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: Their investigation did not fix an error on your report

Complaint:
Well the collection agency has on there like it is a new. listing or whatever when it first became delinquent and XXXX and they put it down there like it's XXXX so it will mess my credit up even more and they will not fix the issue I reported it to XXXX  I reported it to Equifax and XXXX  and not one of them has fixed the issue they say it is accurate when it is not and they're telling me it will come off my record in XXXX and it's messing up my credit even worse than what it should be right now

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America closed out my Business Checking and Business Savings Accounts On XX/XX/XXXX, XXXXBank of America neglected to mail out cashiers checks 3-5 business days as indicated in the letter informing of accounts closure. 
A complaint was filed with the CFPB on XXXX because NO balances were for the Business Checking ending in XXXX and Business Savings ending inXXXXBank of America requested two extensions from the CFPB.The regulatory compliance officer from Bank of America name is XXXX XXXX . He informed me that Business Savings check had been released and mailed out. A check for the Business Savings dated XX/XX/2020 was received but inaccurately stated the Business Checking account number. XXXX XXXX was immediately contacted about the discrepancies in the Business Checking and Business Savings Accounts. XXXX XXXX was asked to release the cashiers check for the Business Checking being held. XXXX XXXX stated that he doesnt know why the Business Checking Account balance has not been sent. XXXX XXXX sent an email for me to contact XXXX FBI, Special Agent, XXXX. My response, Why Release my business checking balance immediately. I am a California resident operating a Licensed XXXX XXXX XXXX.why is myXXXX who has NO jurisdiction over There is NO jurisdiction or justification to continue to deprive me of my Business Checking Account balance. Bank of America must be held accountable. I must have my balance immediately because XXXX XXXX depend on agencies as XXXX XXXX. Why would Bank of America hinder a XXXX woman working diligently to make a difference in society. XXXX XXXX said it correctly, I dont know why your Business Checking Account Balance has not been released and mailed out. Especially, since your Business Savings has been released and mailed out with the wrong account ending. See the attached letter.

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 2022-10-17
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:
This is my several 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXXXXXX Balanced Owed : {$0.00} ; XXXX XXXX Balanced Owed : {$260.00} ; XXXX XXXX XXXX Balanced Owed : {$7500.00} ; XXXX XXXX Balanced Owed : {$2600.00} ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: TRUEBILL, INC
State: SC
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:
$ XXXXevery month since XX/XX/2021 Tried emailing them and won't answer phone calls My bank stated I can't stop the withdrawal without changing account number s It's a company name Truebill XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX ( now doing business as XXXX XXXX ) is incorrectly reporting my mortgage payments as late in XXXX. With the 3 major credit bureaus, it is reported as 30 days late in XX/XX/XXXX and XX/XX/XXXX, and as much as 180 days late. XXXX XXXX  modified the mortgage in XX/XX/XXXX and I made all mortgage payments to XXXX, on-time, in XX/XX/XXXX and XX/XX/XXXX ( see the attached PDF, including bank statements, for documentation ). I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, dated XX/XX/XXXX, telling me that the servicing of the mortgage was transferred to it and to make all payments after XX/XX/XXXX to XXXX XXXX XXXX XXXX, so that is the company that I paid in XX/XX/XXXX and XX/XX/XXXX. 

XXXX sent email and letters to me and called me in XXXX and XX/XX/XXXX in attempts to collect mortgage payments. I called XXXX several times and told the representatives that I made my payments to XXXX. I later learned that XXXX messed up the loan servicing transfer process and did not actually transfer the servicing of the mortgage until after I made the XX/XX/XXXX mortgage payment to XXXX. However, XXXX neither returned my payments nor notified me that the loan transfer process had not been completed. 

I called XXXX on XX/XX/XXXX and sent email on XX/XX/XXXX, in my attempts to get the company to correctly report my payments to the credit bureaus. On XX/XX/XXXX, XXXX sent a letter to me ( copy attached ), which stated that it found nothing wrong with how my mortgage payments were reported to the credit bureaus. I called XXXX on XX/XX/XXXX, and it said the same thing and refused to correct the problem. 

I am asking for your help in getting XXXX XXXX to make corrections, and report me as paying on-time for January 2017-April 2017, with no late payments.

Company response to consumer: Closed with non-monetary relief