BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$4700.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/21 XXXX XXXX withdrew {$200.00} at XXXX ; XXXX XXXX from my capital one 360 checking account without my authorization, I never heard of this company before and how they got my account information, XX/XX/21 {$250.00} at XXXX ; XXXX XXXX and XX/XX/21 {$250.00} was withdrawn a total of {$710.00} these errors must be corrected and on my bank statement has a telephone number XXXX TX it seems like only capital one 360 knows where the money went. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: EQUIFAX, 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 disputed hard inquiries on my Equifax Credit Report two times and Equifax responded saying they will not investigate and for me to contact each company that pulled my credit directly. It is Equifax responsibility to validate/investigate the information with these companies, but there is a lack of responsibility on there part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-10
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with cash advances

Complaint:
In XX/XX/2018 I made an online payment of {$170.00} to Citi using my checking account. After making the payment I was told by Citibank customer service that my funds were available immediately for cash advance or purchase. However, when I attempted to get a cash advance, it was declined. I spent the next 3 days arguing with Citibank about the misinformation they had given me. I was travelling and needed the funds for an emergency. I informed Citibank that since they had erroneously told me that I could get cash that I would have to take the cash from my checking account. This would make my payment to Citi return. I asked them to cancel transaction, but they claimed they could not. I spoke to someone named XXXX in the escalated customer service office and she was completely unhelpful. She lied and stated that she would listen to phone calls between myself and Citi representatives. If she had done so, she would have heard the misinformation given. Citibank does not want to take responsibility for creating this returned item. Instead they want to collect a {$25.00} returned item fee. I'm sure this is happening to other customers and they need to be investigated and fined. Just another way for greedy corporations to cheat people out of money. People like XXXX and XXXX from corporate escalations are part of the problem.

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 2020-06-26
Company: OneMain Finance Corporation
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
My husband and I applied for a loan to repair our roof beginning XX/XX/2020. I had completed all documents online with OneMain Financial. They ran our credit twice and then provided us with a letter/email stating that if we wanted to know the reasons why we had we to request them, which as I understand it, is a violation of the Equal Credit Opportunity Act which requires that lending institutions tell you why you were denied. My husband received his letter today, dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: UT
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:
Hello my name is XXXX XXXX I'm A federally protected consumer, i would like to thank you for the opportunity to address your concerns regarding Equifax ( consumer reporting agency ). i XXXX XXXX Authorize Equifax to proceed with my complaint, regarding my last complaint this consumer reporting agency tried to slip away from. This reporting agency ( Equifax ) has infringed upon my right of privacy with unfair reporting. Through my thorough investigation I have found that this reporting agency was reporting information solely between the person making the report and i the consumer which was an approval extension of credit directly by the issuer of my credit card which should been excluded from my consumer reporting agency. which is in violation under the FCRA 15 US.Code 1681a ( 2 ) ( i ) ( B ) I XXXX XXXX XXXX ( Consumer ) have never given consent for this reporting agency ( Equifax ) to report Any information Nor did i ( consumer ) give written consent to report Any accounts from XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX on my behalf is under violation of 15 usc 1681b ( 2 ). No consent is defined as identity theft. I have disputed the validity with this consumer reporting agency and they still continue to furnish my report. If consumer reporting agency remits violations, please provide My initial signature authorizing consent to report my private information, please provide to me exhibits about these accounts. I have send this reporting agency of an Affidavit which was not rebutted with proof, my next step will be the litigation with this agency. I have identified my identity through a notary presentment. This reporting agency has not Validated how they got my information These are Federal violations under FCRA, and hope this complaint is taken seriously, if not my next step will be litigation if accounts listed are not removed immediately. I believe that I ( consumer ) have fully addressed my concerns of the validity of this matter, will still stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-03
Company: Advanced Portfolio Group LLC
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recently, XXXX XXXX XXXX  has been contacting me through Advanced Portfolio Group LLC. Firstly, they left me voicemails that do not identify themselves as debt collectors and just say that we need to urgently speak. Secondly, I have asked them for proof of a debt owed and what the debt is for multiple times via phone and email, but they just say that I need to pay the debt or that I can get a good deal. However, they are not telling me what product/ service I supposedly owe debt for. I have also told them if they show me specifically what I have not paid, then I will of course be open-minded to working out a payment, but I will not do that until I know what the alleged debt is for.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: AmerAssist A/R Solutions, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AMERASSIST is claiming that I owe them {$1200.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
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 {$1200.00}, {$4700.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Resurgent Capital Services L.P.
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:
I informed Resurgent Capital Services of the identity theft and I also supplied provided them with an FTC claim that I submitted in regards to their unfair debt practices. Resurgent replied to my legal letter ( s ) by providing me with a letter stating that the debt was closed but in fact they sold or assigned it to XXXX XXXX in XX/XX/2020. XXXX XXXX reported the same account as Resurgent with a different account number. XXXX XXXX  gave no notice as prescribed in the Fair Debt Practices Act. Upon investigating this matter, I was told that there was some kind of glitch in the system of XXXX XXXX  with some jewelry accounts that they had. 

I am beyond annoyed at the semantics, antics and down right disrespect of these collection companies. They are vultures with no moral turpitude!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2019 {$2000.00} dollars was stolen from our Chase bank account. I suspect it was a result of software that was used to gain access to our PC and the passwords stored in our computer registry. The transactions were paid out using a Chase bank application ( XXXX  ) to another chase account. 

After speaking with the representative on the phone ( who said they would start an investigation ) I started doing some internet searching on the company XXXX, involved in the fraud. There is more than can be read on this issue, but most draw the same conclusion. Whether authorized or not there is no protection against fraud. I am fairly certain that Chase Bank will inform us the {$2000.00} will not be covered under their fraud protection. However, we have never used this app and would have never known about this app if I didn't discover that we have been victims of fraud. If Chase bank did not have this application available on the online service we would have never lost money from our account. This is partly the responsibility of Chase because of the relationship they have with XXXX and they have forced it into user accounts without permission of the client / customer. Anyone can used their application to send money without the customer 's permission if the account information is compromised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-08
Company: OPORTUN FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a unsecured loan with oportun  XXXXXXXX XXXX XXXX. It was charged off and sold to XXXX XXXX XXXX XXXX. We worked out an agreed upon settlement to pay off the debt. I reached out to oportun to see if we can change the charge off status. They told me they no longer have anything to do with the loan and to reach out to XXXX XXXX. XXXX XXXX  said once they received payment they will notify the credit bureau that the loan has been paid off. So far it still shows as charged off no changes have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX said they would not make a hard or soft inquiry if I completed a loan application. I filled it out and did not get a loan. They lied and did report it on my credit and I want to file a complaint against XXXX XXXX for being untruthful and marking my credit when they said they would not. 

Please keep these corrupt companies in line and make them not hit someone credit when they promise they will not. Thank you

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 2019-03-16
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:
My original loan amount with XXXX should be {$190000.00}. I contacted XXXX and they sent me a copy of my note showing {$190000.00} as original loan amount with a cover letter. I sent copy of note and cover letter to experian. They will not correct the original loan amount to {$190000.00}. I have been trying to get experian to correct this error for a while now but they refuse. XXXX and I agree ( see note and cover ltr )

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 2020-12-03
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:
There are some fraudulent accounts on my credit, I have sent 2 disputes to XXXX, equifax, and XXXX. The main concern is the accounts on the FTC reports I sent to them. They have been on my credit for a long time and I can not seem to get rid of it, they didnt even acknowledge the accounts as fraud. They didnt block the accounts withing 4 business days of recieving the disputes. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-12
Company: U.S. BANCORP
State: OK
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
As the Covid-19 Pandemic started, I applied for Pennsylvania unemployment benefit. I was awarded {$12000.00}. However, I never got access to my funds as I've never received the US BANK RELIACARD debit card where the funds were deposited. 

For over 3 months, I kept calling the Pennsylvania Department of Labor to inquire about my benefit payments but I couldn't get through their phone system. Then finally, in XXXX I was able to reach a representative of the Pennsylvania Department of Labor who informed me that my benefits have been paid and that I should have been received a US BANK RELIACARD debit card. 

So I called the US BANK RELIACARD Customers service to inquire about the RELIACARD DEBIT CARD, the customer service representative informed me that they sent me a reliacard debit card and that it was loaded with {$12000.00}, however, the balance is now {$0.00} as the funds have all been drained out my account. I told the representative that I never received the reliacard. So HOW can the funds be drained out of my account? The representative then advised me to file a claim dispute. 

After filing a claim dispute, I faxed and mailed ( several times, at least 10 times ) all my identity verification to prove that I am who I am. I even did the selfie verification. From the beginning of XXXX until today, I have been calling US BANK RELIACARD everyday and they always keep telling me the same message : " We didn't receive your identity documentations '' On XX/XX/21 I called again and Tier 2 representative informed me that my claim has been denied and my account is restricted. 

When I asked for explanations as to why my claim is denied or why my account is still restricted, the tier 2 representative wouldn't give me any response beside telling me they sent me a mail. However I've never receive any correspondence from US bank reliacard. 

I faxed and mailed in my identity documentations at least 12 times with the most recent on XX/XX/21 and I have a tracking number showing that my identity documents have been received on XX/XX/21 at this address : ( Cardholder Services XXXX XXXX XXXXXXXX XXXX, FL XXXX ). Could you PLEASE confirm that you guys received my identity documents. 

I don't understand why my account is still restricted or why my claim dispute is denied. Because I've never received the reliacrd debit card in the first place. So how can someone access my account or intercept my mail and I believe US BANK is holding my money hostage. Because I've never received the debit card and I don't have access to my account. I am driving through food banks weekly and waiting and waiting It's a matter of livelyhood.

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 2021-04-01
Company: Colten Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We received a letter, which looks very official stating numbers and file IDs, but it's actually just an ad to push us to contact this company and refinance. The top of the document looks like a Tax letter, the middle states all our home information, and the request to call us seems urgent as it states several times throughout the document.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Someone has stolen my identity. I have been receiving mail from a collection company for months, but I kept thinking it was junk and I kept throwing all the mail away. I then one day decided to open the envelop because it was like the 5th time I have received this envelope from the same place. I pulled my credit and I saw several accounts and several collections on my credit report. These collections and accounts are not mine! Please delete these items from my report. 

XXXX XXXX XXXX XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$1300.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX XXXX {$910.00} XXXX XXXX XXXX {$220.00}

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