BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX, XXXX, TRANSUNION I recently received a letter from XXXX XXXX XXXX that they couldnt validate their debt. I requested from XXXX XXXX XXXX to provide the chain of custody that they purchased a XXXX account in my name, the name and address of the original creditor, the sign contract of the original creditor, the opening date of the account, payment history, last payment made status of account closed or charged of with dates. Michigan Law 339.901 thru 339.930 forbid unlicensed debt collector to report to credit bureaus and XXXX XXXX XXXX is unlicensed in the state of Michigan. To all credit bureaus state the reason why your not complying with Michigan Law 339.901 thru 339.930? 
To all the credit bureaus list the XXXX account as fraud because XXXX XXXX XXXX has not sent me any validation documents of their XXXX 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 2020-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX enticed me, a personal consumer, to patronize their " XXXX XXXX XXXX XXXX XXXX  '' ( formerly " XXXX XXXX  '' ) streaming service with a " {$10.00} ( plus 10 % tax rate ) '' ( {$11.00} ) offer as long as I initiated and maintained a phone plan and mobile carrier services from XXXX XXXX XXXX. I accepted this offer and authorized monthly charges in the amount of {$11.00} to my Bank of America 'Cash Rewards Visa Signature ' credit card. XXXX XXXX XXXX has unilaterally increased the {$11.00} charge to my credit card on multiple occasions. The {$11.00} charge for " XXXX XXXX XXXX XXXX XXXX '' services was increased in XX/XX/XXXX to {$16.00} and every month thereafter until XX/XX/XXXX when it was further increased to {$26.00} and every month thereafter until XX/XX/XXXX when it was further increased to {$37.00} and every month thereafter until XX/XX/XXXX when I was charged {$63.00} for a single month of " XXXX XXXX XXXX XXXX XXXX   '' services ; this most recent charge in XX/XX/XXXX captured my attention in an alarming manner. The only change to the main stipulation that required me, as a personal consumer, to maintain a phone plan and mobile carrier services from XXXX XXXX XXXX, that I processed ( without being informed of the possible impact to the {$11.00} " XXXX XXXX XXXX XXXX XXXX '' service rate authorized ), occurred in XX/XX/XXXX when I purchased a brand new XXXX XXXX phone device from XXXX XXXX XXXX and added a new line ( new service lines in addition to my preexisting service line since XX/XX/XXXX from XXXX  XXXX XXXX ). Since that XX/XX/XXXX transaction, I've been charged the {$37.00} increased amount beyond the {$11.00} authorized amount, twice and then in XX/XX/XXXX charged a {$63.00} amount that captured my attention and to which I reach out to XXXX XXXX XXXX ( refer to correspondence attached ) and processed an immediate cancellation of " XXXX XXXX XXXX XXXX XXXX '' services. The only explanation offered by XXXX XXXX XXXX for their unilateral increases to authorized {$11.00} charges was that " the price increase as subjected to market value and the raising costs from the channel provider '' ( refer to correspondence attached ).

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 monetary relief
Consumer complaint received 2021-05-27
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 writing to dispute a fraudulent charge on my account 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 Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity.

Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon. 


Sincerely, XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Social Security Number : XXXX Enc. : Drivers License, Social Security Card, Utility Bills, Police Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-03
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been disputing a medical collection with Financial credit network for several months now that is not mine and i believe its due to my identity being used by someone other than myself. XXXX and XXXX  has removed the account from my credit file but XXXX is still reporting it and keeps sending me notices saying its verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Experian and XXXX report incorrect dates on my credit bureau report for Chapter XXXX Bankruptcy. Information should have been removed XXXX. Experian and XXXX  are verifying information through a 3rd party company and not the Court. I have contacted the court and they have told me that they Do Not verify bankruptcies for credit reporting agencies.

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 2020-05-27
Company: ONLINE Information Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Online Collection Services has six collections posted on my credit card with 5 accounts for the same amount of {$740.00} and 1 account in the amount of {$1400.00} totaling an amount of {$5100.00}. I have never received written notification of this debt nor recognize the company they are claiming to collect for ( XXXX XXXX XXXX  XXXX ) as XXXX did not yield any results. I will also need a copy of the contract that I signed to receive service from the company they are claiming to collect for as well as an itemized bill of service. According to HIPPA law, my medical information should be confidential and I dont understand how they would be able to produce this without my consent. 

This collection agency has not given me a chance to dispute the debt by not rightfully giving me written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I filed report number XXXX. Agency responded within one day stating that my account does not belong to them but they are reporting a collection for two years on a capital one card that I never opened or authorized to be opened and used in my name and is no reflection of accounts openly legitimately or used legitimately by me. The name of the agency is confusing, one report says professional Recov and the other says portfolio. Please just review identity theft notification to remove collection. 

I have called, written letters, filed theft reports and sent them to this agency. Even to this consumer complaint they are dodging this to be removed and falsely claim they verify my debt when disputed but even here claim its not my account. I am a victim of identity theft and it needs to be removed from collections and my credit report immediately. 

Please see first attachment of account listed under their name on my report for the amount listed as a collection, reported every single month and opened in XX/XX/2018. My last name has been XXXX since XX/XX/2018.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-28
Company: LEXISNEXIS
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: Was not notified of investigation status or results

Complaint:
To LexisNexis Notice to Agent is Notice to Principal, Notice to Principal is Notice to Agent! THIS IS XXXX!!! I AM SUBMITTIING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY! I have reached out in regard to these varies of accounts. These companies have repeatedly broken several of congress laws. These companies have repeatedly invaded my privacy. On XXXX I sent a letter regarding inaccurate and unknown things on 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 taken advantage of and being ignored of my disputes. Section 611 ( a ). it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from credit report it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: Professional Recovery Management
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Fox Collection Center, XXXX XXXX XXXX, XXXX, TN XXXX has reported a debt to our credit bureaus over a debt that they have never proven is ours despite our multiple requests. 

They initially only sent their statement saying we owed the debt, which is fine. But my wife, as law & their own statement allows for, emailed them on XX/XX/2021 requesting the actual bills or signed statements proving this is our debt. 

Fox Collection simply responded in an email response with yet another one of their own attached statements dated XX/XX/2021 about the amount owed. Again, this was not proof from the Creditor in question, but simply a statement from Fox Collection.

So we called Fox Collection and spoke to " XXXX '' on XX/XX/2021. Again, I explained that we have only received collection requests & warnings from Fox Collection Center but still NO PROOF of the debt itself in the form of statements or signed agreements from this supposed Creditor. " XXXX '' asserted that their statements ARE the proof and we will need to pay the debt based on their statement alone if we want it removed from our credit report. Of course, their assertions and statements do not constitute proof of the debt. 

We have asked them to either provide the proof or have the negative report removed from the Credit Bureaus. 

Thank you so much for your attention to this frustrating matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
So, on are about XXXX thru XXXX of XXXX, I tried responding to paying down some credit card debt with U.S.A.A and had made payment arrangements. I spoke with several agents in the Credit card dept. Talked with XXXX from member debt solution I.D . XXXX regarding my XXXX XXXX XXXX. 

In addition set up automatic payment plans with confirmation I.D . numbers as follows : XXXX, XXXX, XXXX. Spoke with agent XXXX on XXXX, spoke with XXXX on XXXX, XXXX from member hardship I.D . XXXX whom had a negative attitude. 

Essentially, other additional months ensued before some actions were taken because at the time of said arrangements, I believed they were in motion, much to my chagrin arrangements were not honored two months later. This resulted in several expensive fees on credit card accounts however one account remained in an arranged payment status, which is why it was baffling that, U.S.A.A did not answer my many request to alleviate these problems. 

Furthermore U.S.A.A continued to charge fees and place negative remarks on credit report, and since outsourced to collections with XXXX XXXX XXXX of which I have disputed with C.F.P.B and gotten a response in lieu of Covid-19 and inability to get a appropriate determination with U.S.A.A on how this problem got worse

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I requested how the information in my report was validated and LexisNexis refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as Lexis Nexis.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-28
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I requested how the information in my report was validated and XXXX refuses to provide this information to me without supplying them 12 documents to prove who I am when this is an invasion of my privacy and a way for them to collect more information to sell to the credit bureaus. They are refusing to provide how the received the information on my report. I have contacted the court in XXXX regarding the bankruptcy and they have stated that they do not provide this information to any of the credit bureaus nor do they give this information to public reporting agency such as XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: BMW Financial Services NA, LLC
State: FL
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:
On XX/XX/XXXX I came into a BMW Dealer and leased a vehicle for which I gave consent to have my credit pulled. However, based on my XXXX credit report it appears to be that I have a total of 3 hard inquires that originated from the same place when there should only be one, Here are how they are listed as follows ( The only valid inquiry would have been from BMW FINANCIAL SERVICES on XX/XX/XXXX which is who a leased my vehicle through and also the date I made the request ) : Inquirer Name : XXXX BMW XXXX Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Automobile Dealers, Used Contact Information : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Inquirer Name : BMW FINANCIAL SERVICES Inquiry Date : XX/XX/XXXX Removal Date : XX/XX/XXXX Business Type : Auto Financing Companies Contact Information : XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: U.S. BANCORP
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I WAS CHARGED ON MY MASTER CARD ON XX/XX/10 FROM A XXXX XXXX XXXX FOR XXXX I HAVE NO IDEA WHO THIS SAID COMPANY IS AND I NEVER DID BUSINESS WITH THIS SAID COMPANY OR NEVER AUTHORIZED THIS CHARGE AND I HAVE NO IDEA WHERE THEY GOT MY CREDIT CARD INFOMATION FROM. I CALLED MASTER CARD AND REPORTED FRAUD ON THIS CHARGE AND THEY NEVER DID ANYTHING FOR ME, I RECENTLY CALLED IN AGAIN AND MASTER CARD IS NOW TELLING ME THAT THEY CANT HELP ME BECAUSE THE CHARGE IS TOO OLD NOW. I TOLD THEM THAT I REPORTED THIS BACK WHEN I SAW THIS CHARGE ON MY STATEMENTS AND THEY DID NOTHING. I AM NOW FILING WITH YOU IN HOPES FOR YOUR HELP. I AM A SENIOR CITIZEN AND I LIVE ON A FIXED INCOME, I CANT AFFORD TO HAVE MONEY TAKEN FROM ME WITHOUT MY CONSENT. PLEASE HELP ME GET MY MONEY BACK. MASTER CARD SHOULD BACK THERE CLIENTS NO MATTER WHAT AND THE REP I SPOKE WITH WAS SO MEAN AN NASTY TO ME WHEN I CALLED SHE WAS SAYING MY AGE MAY HAVE ME FORGOT WHAT I CHARGED TO MY ACCOUNT. SO NOT NICE.

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: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently while conducting a monitor of my credit report I discovered items that have unverifiedinformation. Under the Fair Debt collectionsPractices Act, I am allowed to protect my privacy and fromthirdparties. I do not recall giving permission to any third partytorelease myinformation toathirdparty. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA, section 623, subsection ( 8 ) ( D ). The specific information under dispute is the derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report : 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 2021-02-20
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Back on XX/XX/XXXX I contacted the Frist Bankcard of Omaha disputes department to dispute a charge by XXXX XXXX XXXX for the amount of {$1600.00}. On XX/XX/XXXX, the charge was posted to my account for XXXX XXXX XXXX to move me from XXXX, XXXX to XXXX, XXXX. I contracted XXXX XXXX XXXX to move me on the days of XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX XXXX never showed up or provided any services to me during my move. 

XXXX XXXX XXXX charged me twice for the same amount. Once on XX/XX/XXXX and again on XX/XX/XXXX. Each time the charge was for {$1600.00} for a grand total of {$3200.00}. Both XXXX XXXX XXXX charges of {$1600.00} are not valid transactions because no services were provided per the moving contract. 

Frist Bankcard of Omaha has been unable to reverse both invalid XXXX XXXX XXXX charges. The {$1600.00} put on my accounts balance on XX/XX/XXXX is now due for me to pay on XX/XX/XXXX even though I did not receive any services from XXXX XXXX XXXX. The {$1600.00} put on my accounts balance on XX/XX/XXXX is still in dispute. No notification has been given to when this charge will be resolved. This charge is a double charge and I did not receive any services from 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 monetary relief
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had difficult times trying to remove errors on my credit report from Experian. They dont remove them. They update errors from several years ago to the current month to purposely make my report look even worst. Nothing was removed but only updated. The Bankruptcy is an error and they claimed that it is mine. Many errors are still on my 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