BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-30
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

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


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -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 2020-12-02
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I filed an original complaint. The company did acknowledge one of two unauthorized charges and refunded me {$850.00}. I filed another complaint ( XXXX ) regarding the company 's refusal to acknowledge and reimburse me for the second unauthorized charge of {$230.00}. 

The response to my second complaint only acknowledges them refunding me the {$850.00} and not the {$230.00}. They are totally ignoring my second unauthorized charge. 

My previous complaint read I had filed an original complaint regarding US Bank Relia Card ( XXXX ) regarding unauthorized transactions. Someone had stolen my Relia card and made two purchases using my card. One from XX/XX/XXXX in the amount of {$850.00} and One from XXXX in the amount of {$230.00}. Both transactions occurred on the same day ( XX/XX/20 ). After numerous phone calls I did receive reimbursement for the XX/XX/XXXX transaction however I never received reimbursement for the XXXX transaction. The response letter from US Bank Relia Card that you received for the prior complaint ( XXXX ) states that they did refund me {$850.00} for the transactions. This is not correct. It was for one of the transactions. I have yet to receive the {$230.00} for the second transaction. I have called the bank numerous times only to be told my case has been closed and all monies refunded. Again this is incorrect. I am still owed {$230.00} for the unauthorized XXXX transaction. I filed a report with the XXXX XXXX Police Department in XXXX, PA the same day that my card was stolen and they have both transactions listed in their report with the unauthorized amounts.

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 2020-11-16
Company: FISERV INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and someone charged 24 rides on XXXX. XXXX sold the account to TRS Collections after I had notified them of the fraudulent charges. I have since contacted TRS by phone and sent them the FTC idenity theft report. They are still trying to collect the charges totaling over {$450.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-30
Company: Experian Information Solutions 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$1000.00}, {$920.00}, {$320.00}, {$1100.00}, {$17000.00}, {$0.00}, {$1600.00}, {$64.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

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

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$920.00} -This is not my account. 

5. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 

6. XXXX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- AUTO ACCOUNTS 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 

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


-- COLLECTION ACCOUNTS 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$64.00} -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 2020-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have been fighting this bankruptcy for years because of the inaccuracies inside of the bankruptcy which is why it is dismissed. Today, I logged into XX/XX/XXXX to verify the information that was correct and incorrect. I noticed that bills that were included in the bankruptcy are still on the report. I also noticed that the case number is incorrect. I am sure what is being reported on all three bureaus, XXXX and XXXX is incorrect information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The basis of my complaint is an attempt by a debt collection agency to collect an invalid debt based upon a charge by an insurance company that was never authorized and was made against my express written instructions to it for. 

I previously had my auto insurance with XXXX XXXX, a XXXX XXXX XXXX. My auto insurance policy with XXXX was set to expire XX/XX/2020. I received a proposed renewal billing statement dated XX/XX/2020 that showed a huge increase in my auto insurance premium. After unsuccessfully attempting to resolve this with XXXX, I obtained auto insurance, effective XX/XX/2020 with a different insurance company, XXXX XXXX XXXX. 

I informed XXXX  in a letter dated XX/XX/2020 that I would not be renewing that auto insurance policy ( or any of my other policies with XXXX  ) and that my auto policy with XXXX would expire on XX/XX/2020 without being renewed. 

XXXX ignored my instructions to let the auto policy lapse. Instead, without my authorization, and against my written instructions, XXXX took it upon itself to renew my policy with them even though I had informed them in writing that I had obtained different auto insurance coverage and that my policy with them was not to be renewed. 

XXXX then turned the matter over to a debt collection agency, Credit Collection Services, which has sent repeated unjustified debt collection letters to attempt to collect this invalid debt. I have repeatedly responded to Credit Collection Services but that entity has repeatedly refused to even acknowledge receipt of the written proof of insurance cancellation that I provided to it. Instead, I have received numerous dunning form letters attempting to collect this invalid debt. 

Enclosed with this complaint are copies of all of the relevant correspondence concerning the attempted enforcement of this invalid charge by XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have tried to avoid picking up the phone becouse they call me several times a day one very early between XXXX and XXXX everyday even though I have been patient but its way too much. 
They also call me several times at work and early hours or late evening please stop. 

I would also like to please have them stop calling my parents and harassing them this makes me look bad and should be unacceptable

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
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:
These credit inquiries that appear on my equifax and XX/XX/XXXX report were not legally authorized by myself and i would like for them to be removed XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/2019 XX/XX/XXXX XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-22
Company: Debt Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX i received a notification on XXXX  app that a, collection agency Company called DEBT RECOVERY SOLUTIONS Had put A Collections/ Chargeoff on my credit report. I Called On XX/XX/2021 and spoke with a rep and i explained my situation to her, can't remember her name. And she stated that they didn't have a phone number and my entire unit number to my house, thats why i didn't received anything in the mail or a telephone regarding this debt validation. Its not fair to a consumer that they just put stuff on are credit report without having all there information for this debt. This account was paid in full that same day. I Asked them for a pay for deletion and she said they dont use those terms, but she will summit a request for them to delete. i just wan na make sure its comes off my credit report ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
So after months of trying to negotiate with Bank of America they finally sent me another letter saying that my claim has been denied. I asked what was going on my account in XXXX and they said my account was frozen due to suspected fraud and that I could unfreeze it in two weeks once unemployment department opens up again. So I waited two weeks and I verify who I am with the state and they unfroze my account after I proved there was no fraud. Shortly after my account got unfrozen they deducted around {$2700.00} from my account putting me into the negative. After several attempts hours upon hours of waiting on hold the claims department representative stated that they automatically reject any disputes done on my account because of it being frozen due to suspected fraud. Im sorry but what In the world is going on with this bank, this is my second consumerfiance complaint. The first complaint the lady did call me saying the error would be corrected within 30 days and Id have my money by then. Its now XXXX I havent received any of my funds back and they mailed me a letter saying that I basically lost the dispute and that their original investigation which was an error they stated previously have been found correct and that I wont be getting any of my money back. So far theyve stolen over {$900.00} from me and left me in the negative balance on a prepaid card. Getting ready to organize a class action lawsuit against victims of this dispute/frozen account errors that theyve made. Lost my home and car cause of them.

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 2020-07-13
Company: Experian Information Solutions 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 HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED 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 2019-07-04
Company: PNC Bank N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2019, I received an unsealed pre-selected offer of a PNC cash rewards visa credit card with the customer reservation on it and a deadline of XX/XX/2019. The offer came from PNC Bank, XXXX. XXXX XXXX XXXX, MI XXXX. Do you always send out your mails unsealed? Someone might use the reservation number or any information on the letter Please let me know what steps are taken so any information will not be used by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: EQUIFAX, INC.
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:
These credit inquiries that appear on my equifax and XX/XX/XXXX report were not legally authorized by myself and i would like for them to be removed XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XXXX XXXX XXXX XX/XX/ XX/XX/XXXXXX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received unemployment from the state of Illinois due to losing my job during the COVID Epidemic. After received my back pay from the unemployment office, Chime suspended my account. Ive had Chime for 3 years and couldnt understand why they would do that. When I called, I was given no explanation. I spoke to 3 customer service reps, 3 supervisors, and 1 member dispute agent. I submitted proof of my identity and proof from the unemployment office that I was entitled to the benefits deposited. My account is still suspended. This is just very frustrating because lots of people had to fight for their benefits

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a certified letter in response to a listing on my credit report pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g ( Sec. 809 ) for a claim for disputed and validation is request. 

I demanded proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of their authority in the matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. 

I asked them to please also provide the following information for my records. 
What the money you say I owe is for. 
I also need evidence of the original debt that bears my signature, as well as a complete account history, including any charges added for collection activity. 
Provide me with copies of any papers that show I agreed to pay what you say I owe Lastly, Im requesting evidence of your authorization in this alleged matter. 

I asked them to provide the proof, or correct the record and remove this invalid debt from all sources to which you have reported it. Instead, they sent me a computer print-out that does not even have my signature. My point is that they have failed to prove this account is mine. I did not request a " verification '' that they have my mailing address, I requested a " validation ; '' that is, competent evidence that I have some contractual obligation to pay them.

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 2019-07-04
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:
I have an account on my report that is not mine belongs to someone else, also there are names and addresses that do not belong to me. Reporting information that you know is inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Experian Information Solutions Inc.
State: GA
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:
For the past 2 years, I have been actively disputing 2 accounts listed on my credit report that are not mine. I have provided proof that the bill belongs to another person and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the means of verification, when asked.

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 2018-03-30
Company: PREFERRED CREDIT INC
State: AL
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 requested multiple times that this company provide proof of my authorization to inquire on my credit.

I do not recall applying for credit with Preferred Credit Inc. I did not authorize anyone employed by PCI to make an inquiry and view my credit report. They have violated the Fair Credit Reporting Act Section 1681b ( c ). They are not legally entitled to make the inquiry.

From the FCRA 616 : Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: NC
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/2020, I sent a letter to Experian about inaccurate and unverifiable items on my credit report. It has been over 2 months and I have not received a response from anyone. I feel like my dispute letters are being ignored. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Since it has been over 60 days, these items should be deleted immediately. I demand these accounts be deleted immediately or I will file for litigation due to the stress this is causing me. I am trying to apply for a funding to start my own business but my credit is making the process a lot harder.

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 2020-12-02
Company: The CMI Group, Inc.
State: SC
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:
Credit Management LP account # XXXX, # XXXX, and # XXXX is reporting a fraudulent account to credit bureaus that is not mine. I am a victim of identity theft and I notified the credit bureaus of such by filing a dispute and submitting the documents attached in this complaint. I will use every legal remedy if this fraudulent account is not removed from my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief