BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The accounts listed above do not reflect any correct transactions done by me. 


My Personal Sworn Statement & Declaration : I declare under penalty of perjury ( under the laws of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. 
I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained.I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. 
FOR SECURITY I HAVE INCLUDED MY IDENTIFICATION ON ANOTHER PAGE Please Kindly, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. Rebuttal Notation : Accuser has failed to provide any evidence of either the injurious derogatory claims verifiable validity NOR any documented certification of compliance as reporting, each mandatory condition to report so DELETE 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 2020-01-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Investigation took more than 30 days

Complaint:
Exercising my right under the Fair Reporting Act 611 ( a ) ( 6 ) ( B9iii ) which provides that a a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available '', I wrote to TransUnion on XX/XX/20 and asked that they provide me with their method of verification of the bankruptcy showing on my credit report. While the " creditor '' in this case would be the US Bankruptcy Court in XXXX Indiana located at XXXX XXXX XXXX XXXX, XXXX, IN, I enclosed a letter from the US Bankruptcy Court in XXXX Indiana which states that " the court does not provide any information directly to any third party information gatherer. '' Since that is the case, the credit bureau or TransUnion in this case, could not have properly verified the information reflected on my report. The credit bureau did respond, however, to say that the information had been verified as accurate. They did not, however, state whom they spoke to nor how the information was 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 explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law, you had XXXX ( XXXX ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company failed to provide me with proper proof to validate this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018 I cancelled my account with XXXX with transaction XXXX. I received verbal confirmation of the refund of {$140.00} on XX/XX/2018 and email confirmation on XX/XX/2018 from XXXX. The non-authorized transaction went through XXXX and was withdrawn from my Wells Fargo checking account XXXX on XX/XX/XXXX. This payment was never authorized. My XXXX account and my Wells Fargo account is not currently even listed on XXXX as a payment method and has not been for at least a year. XXXX confirmed the transaction went through XXXX and should have posted to my XXXX account but XXXX does not even have the transaction listed, and as XXXX is claiming can not be disputed without a transaction number. Wells Fargo claims that since the Payment was posted they can not reverse the charge even though XXXX claims they gave me the refund the same day on XX/XX/XXXX. After speaking with all of the parties involved, this appears to me as obviously fraudulent activity by Wells Fargo.

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 2019-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bank of America is the XXXX! 

Last month when I checked my credit card expenses I looked for the interest rate. I thought it would be on the front page with the other information but it is not. I had to look for it and then I had to wait on hold for over 45 minutes to get someone to tell me where is my my APR on my Bank of America cash rewards card can be found on my online credit card page. It was hidden on the last page. The level of APR was 19.24 % I was rather shocked at that huge whopping number. I have never missed a payment or paid late ever, so how could the APR be so high? It was at 16.99 %. I never charged over {$700.00} on the card. 
When I got paid this month XX/XX/2019 I promptly paid {$160.00} towards my credit card debt, which it is at least 3 x the basic amount. They have not listed it as paid and now it is XX/XX/2019. I used my online banking to pay the bill and normally it would have been submitted the same day within a few hours. I have a feeling that some immature bank employees are messing with my banking to fraudently mess with my credit score. Yes BofA has employees like that. I took pictures of my account and when it was paid with my phone and I printed them out and I have a hard copy of when I paid that account and my XXXX XXXX XXXX gas bill.

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 2020-11-23
Company: Kriya Capital, LLC
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: Problem with personal statement of dispute

Complaint:
On XX/XX/2020, I received a collection letter from Credence Resource Management , LLC. After requesting a validation of debt on XX/XX/2020, they provided me with an account summary in a letter dated XX/XX/XXXX. I responded in writing, dated XX/XX/2020 and indicated that this was not an acknowledgement nor acceptance or ownership of this debt nor any promise to pay. They responded via email dated XX/XX/XXXX and replied they were in receipt and marked my account as dispute. 
On XX/XX/2020 they emailed me a response indicating the charges on my account were valid. On XX/XX/XXXX, Credence Resource Management , LLC added a derogatory mark on my XXXX  Credit Report. Please note that this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection and there was no written form of communication, nor did they furnish a contract ( signed ) or signature for this accused debt. A bill without a signature does not validate the debt and any individual can send a bill indicating I have ownership. According to the FCRA, Credence Resource Management , LLC has violated my rights as a consumer and I'm requesting legal action to resolve this by removing this errant account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am in the process of buying a house and today XXXX/XXXX/21 the agent I am working with ran my credit and told me that i would not be approved for a home loan at this time due to an account reflecting badly on my credit report. The account is from this company ; XXXX XXXX XXXX. I do not have any contract or agreement with that company and I am not responsible for that account. I also noticed this address on my report which I have never lived at. XXXX XXXX XXXX XXXX CA XXXX. I don't know why this account and address are on my credit report but I have already filed a police report in hopes of getting this resolved so I can finally buy a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: CAINE & WEINER COMPANY, 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:
I no knowledge of the information being reported on these accounts. Therefore, I hereby dispute the balance, high balance, past due amount, and the date opened as inaccurate. This letter is a formal complaint that you are reporting inaccurate credit information. I am distressed that you have included these items that do not belongs to me Apparently, procedures have not been properly maintained to ensure maximum accuracy that is required by the FCRA. I was never served with any notice or disclosure before or after these accounts were reported negatively as required by FCRA & FACTA Sections 609 & 611. This alone requires deletion of the negative disputed information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 ACCOUNT WAS NEVER APPLIED FOR 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 2018-07-19
Company: Amsher Collection Services, 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: Old information reappears or never goes away

Complaint:
I have an collection account on my XXXX  credit report under Amsher Collection Services that I have been disputing this account is not mine and I have been requesting written confirmation they keep adding this account to my credit. I need proof that this is my account. 

Thanks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
1. There was a disbursement amount of {$5000.00} for XX/XX/XXXX was never paid to the school or to the borrower ( me ). Yet Navient/Sallie Mae has a financial record for that amount on my account. So that {$5000.00} amount is fraudulent, it is not a loan I received. 

2. On XX/XX/XXXXand many dates after ( see notes attached ) It looks like I made a payment of {$150.00} and Navient/Sallie Mae show that I was charged, on the same day, {$150.00}. So the record indicates that I was charged the same amount I was paid under the label of " adjustment ''. It was never made clear what that extra charge was actually for. 

3. On XX/XX/XXXX I was not attending school at all -- nor any other program, yet a disbursement shows up as me owing an ADDITIONAL {$30000.00} When I requested information about all of my original loan documents on XX/XX/XXXX, this " loan '' was not included. There is no record of where this money went or why it was added to my account. 

4. The information received from Navient/Sallie Mae was confusing and hard to follow. There is no way to follow what my actual total balance was. It lacks crucial details about how much is currently owed and where the totals are coming from. 

5. I believe that Navient/Sallie Mae misled me because none of the loan documents I signed originally included info about what interest would be required on the life of the loan ( s ).

6. I find that the Truth in Lending Act requires that a private loan holder that holds more than one private education loan for a borrower apply ANY prepayments on those loans FIRST toward any FEES due on such loans and then, unless the borrower states otherwise, toward the PRINCIPAL due on the loan that bears the HIGHEST interest. That was not done as my online account shows a record of payments made an the entire payment was applied to the interest only and/or payments were applied toward loans holding a lower interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-19
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
payment due on XX/XX/XXXX was submitted late due to mandate at work. I had no computer access and my bill was not with me. The payment was submitted the next morning at XXXX XXXX. The balance was XXXX. a payment was sent for XXXX .A late fee of XXXX was accessed when I sent a letter to see if they would waive the fee they refused.the balance left was XXXX which I paid and the XXXX card is no longer in service. they still want XXXX in late fees.this is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several repeated inquires on my credit that I did not authorize or apply for credit with this bank on these dates. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2019-10-25
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mr. Cooper fails to keep and provide accurate records. My XXXX statement ( attached ) shows payments for the month ( XXXX ) of {$55000.00} and interest of {$12000.00}. Payments were actually {$1500.00} and the interest is actually close to {$300.00}. On the statement there are 80 incomprehensible transactions for 2 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Square Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
My brother lives in Texas and he send me money through Cash App. In XXXX XXXX XXXX {$79.00}. And its said the money was successfully deposit. But never was deposit in my account. Then in XXXX. XXXX XXXX he send me {$25.00}. And XX/XX/XXXX he send {$140.00}. And I told him not to send me more money though this app, because they never deposit the money. I send several emails to this company never respond. I try to reach them in several websites. XXXX, XXXX, XXXX. Email. But non one respond. I read several comments through these apps and Im not the only one who is trying to reach them.. they taking money from taxes also. This company is taking money from people, who really need it in this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: OH
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:
XXXX XXXX XXXX {$230.00} XXXX XXXX In accordance with Fair Credit Reporting act. The account above listed violated my federally protected consumer rights. 15 USC 1681 Not only is this account not mine it's listed on dates I never been able to operate.

15 U.S.C 1681c. ( A ) ( 5 )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: U.S. BANCORP
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2020 we were scammed into transferring {$500.00} from our US Bank savings account to another account via XXXX. Upon realizing we were scammed we called US Bank the next day on XX/XX/2020 to let them know of the scam and reported the case to their fraud investigation team. The person on the phone said they would start an investigation case and would issue a credit of {$500.00} to our account if the case took more than two weeks. The case did take more than two weeks to resolve but no credit was ever issued to our account. We called them again multiple times and were given different answers by the Bank. One time we called and they claimed our case was resolved and that we could not get our {$500.00} back because we transferred the money through XXXX and XXXX does not have a fraud protection program unless we do a police report to catch the scammer and make them pay us back our money. After being told this we called US Bank again to try and get information on the scammers Bank, but then they told us that our case was still pending and not yet closed and contradicted the previous call. We are very confused with how our case was being handled. They then told us that XXXX scams were very common because scammers know it is almost impossible to get your money back if you are scammed through XXXX. We saw that XXXX is officially backed by US Bank and that gave us a sense of comfort that the transaction would be protected by our Bank, when in reality it is not. If the bank knew that XXXX scams were very common and that XXXX does not do much to help secure transactions from fraud then why promote XXXX without a disclaimer? We feel US Bank failed to protect us or warn / notify us of the XXXX service that they promote and back, and were scammed out of {$500.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation