BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR

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 2020-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 contacted all credit bureaus in regards to identity theft that was done by dad. I had been trying to get this removed for the past 5 years and have had no luck until recently after contacting a law firm. 
I contacted Transunion on XX/XX/2020 in which they signed for the receipt of my package. 
I included everything I have attached here to which they said the information I submitted was declined and the fraudulent accounts would remain on my credit file. They returned this letter to me XX/XX/2020. 
All of the fraudulent accounts are listed on my FTC identity theft report which is attached. 

Tracking number for my correspondance to them is : 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 2021-02-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
on XX/XX/2021 USAA submitted a " remark '' to the three credit agencies which caused my FICO score which averages over 800 to drop almost 100 on each agency. I contacted one agency and they were unable to tell me what the remark was and to contact USAA. I did and spoke top 3 depts including the " executive resolution '' dept and none could or would tell me what the " remark '' that obviously was derogatory was. This has to say the least done significant damage to my credit status.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: AmeriCollect
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX AMERICOLLECT INC XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious AMERICOLLECT INC 1XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1968 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I LOOKED AT MY CREDIT REPORT AND I AM IN DISBLIEF AT HOW MANY FRAUDULENT ACCOUNTS ARE ON MY CREDIT PROFIEL. SOMEONE HAS MY INFORMATION AND THEY ARE FRAUDULENTLY USING MY INFO WITHOUT MY PERMISSION OR CONSENT. PLEASE INVESTIGATE AND REMOVE THESE FRAUDULENT ACCOUNTS FROM MY CREDIT REPOR

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
1. Based on the TransUnion website description, I could get the free report of my credit score. Then I signed for it. But I don't remember if when I signed for the credit report, I signed an agreement for a credit monitoring service for XXXX a month. If I did, TransUnion must have hide it somewhere so that people won't notice that as they never sent me the bill/receipt/invoice. Nor does this information show on my monthly credit monitoring report. 

2. After that, I received the monthly credit monitoring report. I never realised it was charging me XXXX as the report showed nothing about the fee and they never sent the bill. TransUnion charged me for XXXX USD every month for credit monitoring from XX/XX/XXXX to XX/XX/XXXX. I thought the XXXX was some insurance fee and didn't realise it was for the credit monitoring service. 

3. After a few months, TransUnion secretly changed the fee to XXXX USD per month until I found out, starting from XX/XX/XXXX to XX/XX/XXXX. Again I never received notification or a bill or receipt or invoice for the change during the period. 

4. At first, I don't know how to cancel the service. Finally, with much effort, I found a website telling me how to remove the service from their list. The cancellation is almost like breaking a secret code. It is very time-consuming and complicated. I am sure many senior people, like my parents, could not fix that. 

5. I just knew that I could file a complaint here. And I believe many other people will fall in the same trap as I did. I hope my experience will help them. 

6. It is NOT a decent way to run business. TransUnion should feel shame about themselves. 

Thanks.

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 2020-09-22
Company: Opportunity Financial, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX 2020, it came to my attention that I have a couple fraudulent collections on my credit report. 
1st account : {$3300.00} 2nd account : {$6500.00} I immediately filed a police report XXXX XXXX 2020, afterwards I filed a complaint with the Federal Trade Commission, and XXXX XXXX XXXX 

At that time I hired a credit repair organization, assuming they may have more tools at their despoil than I did. 

I reached out to account holder number 1. 
I was told to send all my complaints to their fraud department. I did so, on XXXX XXXX 2020. Almost immediately, the agency came back, without a proper investigation, stated the allege debt belonged to me. This was done without acknowledging I had to file a police report, and a ID theft report with the FTC. 
Not once, had the agency provided proof or verification in their claim. 

I have requested on multiple occasions : XXXX, XXXX, and present of a copy of this loan agreement that they are standing by. I asked them to provide verification of my actual signature, a copy of my government identification, evidence that I in fact sent all this to the company, in requests of a " loan. '' To date, I haven't received anything to that effect. I have not received any for of communication, not through email, phone, or USPS stating the allege debt was in default and or in collections. There has been virtually no communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Bonneville Billing and Collections
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A random collection from Bonneville Collections of XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, UT XXXX XXXX : XXXX, XXXX XXXX CEO, showed up on my credit report with no account number, original creditor or contact information. I wrote twice requesting Proof of Contract that Bonneville Collections was entitled to enforce a commercial claim against me. 3 months passed and they did not respond. I called, explained the FDCPA and FCRA that this was fraud. They have refused to provide any proof that I signed any contract or agreement that I owe them or the original creditor anything. They have refused to remove the collection. They are in direct violation of both the FDCPA and FCRA. 

This has caused me serious financial harm in the loss of low interest loans, lowering of my credit limits and scores and increases in my interest rates. I am a XXXXXXXX XXXX XXXXXXXX   XXXX veteran. This has caused myself and my wife XXXX XXXX XXXX on top of financial problems. 

Please help! 
Kind Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I procured a loan with Dividend Finance for a solar system with XXXX XXXX on XXXX XXXX. The loan is for {$32000.00}. The payments started on XX/XX/2023 and XXXX XXXX has yet to complete the solar system. I have contacted Dividend Finance and XXXX XXXX several times with no set date for finishing the solar project. In j that jest, I am paying for a job that has not been completed. It would be nice to have my solar panels working as it is XXXX degrees here in XXXX today

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft..CFPB please delete XXXX XXXX, XXXX XXXXXXXX XXXX with different balances, and CHAPTER XXXX BANKRUPTCY : BANKRUPTCY DISHCARGED

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 2023-06-28
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I am contacting you during normal business hours at XXXX on Wednesday XX/XX/XXXX. 

The portal to access my credit card information for the XXXX XXXX  card is unavailable. The account service rep I spoke to on the phone advised this is due to site maintenance. Site maintenance can not happen during normal business hours for the country in which the product is based. This is a violation of UDAAP and is unfair and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Diversified Consultants, Inc.
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: Reporting company used your report improperly

Complaint:
609 Letters were sent to each Credit Bureau concerning third Party accounts ( Diversified Consultants , Inc. and   XXXX   XXXX   XXXX   ) that I have no account or contract with for removal of unlawful open/negative accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
XX/XX/2018 I reported a dispute with transunion on my account they never completed the dispute and they dont let me create another

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 2019-08-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed the student loan account with Equifax for several attempts to no avail. Student loan is a government funded entity, thus, only private accounts should be on a credit report. These student loans has been reported multiple times which is illegal. CFPB, please step up and delete these ASAP. This is very disappointing as it is affecting my reputation as a responsible creditor.DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX   XXXX****, DEPTEDXXXX XXXX****, DEPTEDXXXX XXXX**** and DEPTEDXXXX   XXXX****

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
Ive tried multiple times having these items remove from my consumer report and nothing has been done about it under the federal law it clearly states that I have a right to privacy as it is there grave responsibly well as they had no promissible purpose to furnish these my personal information has been put into the world. 15 usc 1681b ( XXXX ) - a consumer reporting agency may furnish a consumer report under the following in accordance with the written instructions of the consumer 15 usc 1681a ( XXXX ) -congressional findings there is a need to insure agencies exercise their grave responsibility with fairness impartiality and respect for the consumer right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CNG FINANCIAL CORPORATION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
As of XX/XX/XXXX ; My last payment of {$3500.00} was received by the online loan company XXXX XXXX XXXX XXXX ). But, they are saying that I still have a pay-off amount of {$1500.00}. That's impossible, seeing that my original loan was {$3500.00} when the loan was awarded at the end of XX/XX/XXXX. XXXX has been reporting the balance incorrectly for months. This loan has no amount due, since the XXXX pay-off. They refuse to provide an account payment history/details online or a written statement. Showing how much interest is being charged and what the true account balance is after or before a payment. It seems that their accounting records are being falsified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was involved in a robbery. All my confidential information was stolen. A police report has been filed.

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 2018-04-11
Company: CITIBANK, N.A.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife and I signed a 2nd mortgage loan with CitiMorgage on XX/XX/XXXX for {$130000.00}. The loan was sold to XXXX XXXX as a first mortgage. 
Due to the US economical crisis I lost my employment in XX/XX/XXXX, stopped making payments and filed for bankruptcy in XX/XX/XXXX. The total amount of the 2nd mortgage debt was {$130000.00}, including late fees. 
In accordance with the bankruptcy documents there was only {$27000.00} available as a colateral for CitiMorgage. 
CitiMortgage charged off this debt on XX/XX/XXXX because the colateral was not enough for a 2nd mortgage foreclosure. The loan balance after that was XXXX and the loan was deleted. 
XXXX XXXX does not have any register of this loan. In accordance with the XXXX XXXX web site for loan look up, this loan does not exist. So I think it was discharged. 
My credit reports do not not mention any debt with CitiMorgage or XXXX XXXX. 

CitiMortgage has sent me a letter recently saying that my loan is in default and I have to pay {$49000.00} to stop a home foreclosure. 

I have called CitiMortgage to find out why they are collecting a loan that was discharged, but they do not give me any information. They say the loan investor was XXXX XXXX and I say XXXX XXXX   discharged that debt, so you are not able to collect a discharged debt. 

Please let me know if a home foreclosure is legal considering a no existing XXXX XXXX loan. 

I would appreciate if you could help me to solve this matter.

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 2020-09-22
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: 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 {$8700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8700.00} -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 2023-06-28
Company: Avant Holding Company, Inc.
State: PA
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:
I have one credit card from AVANT ending in XXXX with an XXXX XXXX APR THE Lender has raised my rate to usury levels making repayment prohibitive. 

I have been enduring a long term medical hardship and I am seeking assistance to cure these obligations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Chime Financial Inc
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Today, XX/XX/2021, I received an email that my Chime Account would be closed for no apparent reason. My account contained over {$3000.00}. After speaking with someone at Chime, they would not tell me why my account was closed or if I would be receiving my funds that were in my account. I have access to no funds and Im not getting any answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: TekCollect Inc.
State: VA
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:
Under 15 U.S. Code 1681c1 Companies committing this crime of sharing my personal data and information without my consent. this has affected my credit negatively and I would like to have this wioed from my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: WELLS FARGO & COMPANY
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:
So many times of fraud charges to my old checking account, which caused problems to all my loan payments and time consuming to close and open new accounts.

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