BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-23
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 {$5000.00}.

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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -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 2020-05-07
Company: Knight Adjustment Bureau
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I recently pulled my credit and noticed that Knight Adjustment Bureaus is reporting a debts on my credit file that I no longer owe or have a balance. Knight adjustment bureau is still reporting an active balances. Also, they are double reporting with XXXX. XXXX. I've done some research and per the FCRA regulations listed on their site, it is a violation for two companies to report the same debt on my credit report. I am requesting Knight Adj bureau to remove this debt off my credit file Knight Adj Bureau Account # XXXX - XXXX XXXX. XXXX Accounts # XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: GREAT LAKES
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: Account status incorrect

Complaint:
All student loans were consolidated back in XX/XX/2017. 

Several still appear on my credit reports ; erroneous to outstanding instead of consolidated. 

I have made payments for OVER Two ( 2 ) Years, CONSISTENTLY, Every Single Month - Yet the agencies and Great Lakes Student Loan servicing still shows me INCORRECTLY in Default! 

I Further REFUSE to sign their treacherous paperwork reaffirming this incredible, swelling debt beyond payday loan shark rates. It is one thing to pay  for my XXXX  school education in finance, it is another to pay at rates beyond that of any mortgage, car, credit card or auto loan which would legally be allowed to be refinanced, let alone with CORRECT information! 

PROPER reporting is required! Show the on-time payments EVERY SINGLE MONTH!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$5000.00}.

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 XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-28
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Thursday, XXXX XXXX, 2019 Completed and signed authorization to release my credit report from Experian to XXXX XXXX. 

Friday, XX/XX/2019 Received the following e-mail from Experian Hello XXXX XXXX, XXXX XXXX has invited you to join Experian Connect and view your credit report and score securely. 

To respond to this invitation, please click here : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and be sure to use this email address. 

Here is a personal message from XXXX XXXX : I would like to view your credit report by using Experian Connect XXXX XXXX XXXX  XXXX XXXX Contacted Experian via phone to release my credit report to XXXX XXXX at XXXX   XXXX. I was informed that there were no restrictions to view the report. 

Monday, XX/XX/2019 Received a 2nd e-mail from Experian Hello, For security reasons, Experian Connect will not allow you to use this service if there is a fraud alert or a security freeze on your file. We apologize for any inconvenience this may cause. You will have to remove the fraud alert or freeze from your Experian credit report before you can register for this service. You can call XXXX and a live representative will be able to assist you with the removal process. Once the alert or freeze is removed you must wait at least 72 hours from your last registration attempt before you can try again. 

If you are interested in getting a copy of your credit report you can visit XXXX where you receive one free credit report per year. You can also send a written request to Experian, XXXX XXXX XXXX / XXXX, TX XXXX. 

Thank You, Experian Connect Support I completed the application to view the Experian credit report at XXXX, but was denied access. 

I called Experian on three ( 3 ) separate occasions to request an immediate copy of my credit report and was denied. I was informed the credit report will be available in 7 to 10 days. 

I informed Experian I was unemployed and needed an immediate copy sent to XXXX XXXX, and that I couldn't wait 7 to 10 days, and was denied immediate access to my credit 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
Consumer complaint received 2019-05-14
Company: JPMORGAN CHASE & CO.
State: CO
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/XXXX there was a fraudulent debit card transaction on my account for {$140.00}. I notified Chase the day it occurred, XX/XX/XXXX. Chase has refused to reimburse my account in any amount for this fraudulent transaction, in violation of federal law. 

I reported this previously. Chase responded on XX/XX/XXXX. In their response letter, Chase falsely stated that I used by debit card after it was reported stolen. What actually happened was that I had previously verified with Chase the last valid transaction for {$1.00} at a gas station, on XX/XX/XXXX before the fraudulent transaction took place, and where I believe the theft of my card occurred. 

In the same letter, Chase advised me that I had the option to dispute this further. I was instructed to contact the executive office. When I called ( XXXX ), I was referred to someone named XXXX ( ext XXXX ) who was handling my case. I attempted to contact this person 3 times by phone, leaving voicemails with my information each time, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. None of my calls were returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
To whom it may concern : Who gives XXXX, XXXX  and Transunion The right to judge a middle class American? I've disputed time and time again about identity theft and I'm held accountable. I have police case numbers for each fraudulent information on my reportd. 
How are you the CFPB monitoring these agencies? XXXX was hacked into and my information was once again used fraudulent by the people who stole my info through XXXX 's lack of security! 
The US government gives us a social security card when we are born. Who protects are information? 
I've worked in HR running background checks and 6 out of 10 reports would come back saying the Social Security number was being fraudulently used. It would always happen to an American citizen who was under working age. There ss # was being used by XXXX  20-50yrs old. It would be undetectable until the rightful owner of the ss # became of working age. 
I'm so frustrated being judged by 3 credit bureaus who exchange the same credit fraud information, like in my case. This is XXXX   at it's best! Judging me, a middle class worker violated by credit fraud and punished for it. Once you set an alert or freeze no one will approve you fir anything! This whole process needs to be reevaluated to keep it fair! Please have XXXX XXXX call me to discuss this whole situation. I'm tired of defending and fighting the credit bureaus all the time! 

Kind Regards, 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 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In regular contact with company at least 4 times by phone. They have extensive notes on their computer of issue with reporting delinquency of XXXX late payment of 30 Days. Was told last week that they would get issue resolved when customer service rep talked to reporting department was told they they no longer honor SCRA protections as of XXXX XXXX. It was the first time I have heard of the change in the previous three times speaking with XXXX XXXX XXXX in XXXX, XXXX, XXXX, and XXXX. Their supervisor was also unaware of change also. See notes under mortgage account of full story. Just notified again that company also reported me being 30 days late in XXXX due to billing statement they sent to my house on XXXX XX/XX/XXXX. That states one amount to pay when really our rate changes to another amount. My wife paid statement amount on billing statement and was told was late only when we physically called company. This company has caused me to look elsewhere for a mortgage company. I have statement to verify XXXX late reporting. See notes for XXXX reporting please under mortgage notes with company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-16
Company: Automated Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2018, I sent written notice to Automated Collection Services Inc. ( ACSI ) via certified mail in winch I required ( ACSI ) to  cease and desist from contacting me or my family members in this and any related matters unless it was by United States Mail. 

I have phone records showing multiple calls from ACSS after my XX/XX/2018 letter. 

This is debt collection abuse and harassment. I believe Automated Collection Services is violating my rights under the federal fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Bull City Financial Solutions, Inc
State: NC
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:
I checked my credit report on XXXX  for the first time in years cause they couldn't prove it was me until I sent copies of identity cards SSI card, pay check stubs and I didn't have any time to get it done, well theres a debit collection agency that has been calling me all these years about medical bills and if I don't pay by the date i would end up in court and paying like a crazy amount for court cost and lawyers fees and double the amount, well I wasn't even able to get to any doctors or hospitals for treatment cause around those dayes i was XXXX, and they won't stop updated it on my credit report, and other things are going on to like unknown companies are running credit inquires for credit and it was not me, i do have the proof that I was a victim of identity theft and I was incarcerated at that time to, I didn't know til I was released an got back into my email account and it was to late to show the court the pain and suffering i went through to try to get credit, that was done and now these medical bills are popping up on on my credit report bull city Financial Solutions XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Had an atm error at a branch location when they were closed. {$1100.00} was not credited to my account, called corporate got nowhere ( ridiculous process ) eventually spoke with branch and even met with them days later. They could confirm I deposited said amount of cash but informed me there was nothing they could do other than issue me provisional credit in 10 business days which is insane. Finally I was told the branch manager was contacted and would likely be able to issue me immediate credit until the issue was resolved but it was never followed up on. Im now 5 days going on 6 with {$0.00} assistance, no actual timeline for reconciliation. First issue Ive ever had like this and an absolute failure on US Banks part from a customer service standpoint.

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 2020-02-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is in regards to a Violation the the FCRA as well as the FDCPA.. For Portfolio Recovery Associates constantly , with out regard, and my many attempt to get this problem cleared. Continues to reports debt illegally without verify the alleged debts. The two accounts which I've disputed starting back in XX/XX/2019 with PRA. ( XXXX XXXX Acct # XXXX, Amount {$450.00}, ), ( XXXX  XXXX Acct # XXXX, Amount {$430.00} ) .Requesting them to provide me with validation. However, to date they continue to send me a bill print out. As if that's substantial evidence of debt owed by me. They haven't provided any other proofs I requested in my initial letters, as well as subsequent letters requesting obligation to pay and a contract that I signed or gave authorization to someone else. They're committing fraud by attributing debts that don't belong to me and continue to do it without providing me with sufficient proof. This is a complete violations on my consumer rights under the FCRA and the FDCPA. Please investigate this matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Santander Consumer USA Holdings Inc.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Im having a problem with getting my car out of the body shop the lender to whom I pay my car note through keeps giving me the run around about no receiving documents my car has been finished with the repairs since Monday XX/XX/XXXX. The lender ( Santander ) whom I pay my note through said that they received the documentation but was waiting for it to be reviewed I called them today Monday XX/XX/XXXX to check in on my paper work they claim that theyre missing paperwork before the paper work was sent off I made sure to call Santander on three way with the body repair shop XXXX XXXX XXXX La ( XXXX XXXX ) they confirmed that they had the documents. But today one of the guys whom Ive talked to said that it was false information Ima very upset behind this I dont know what to do because now theyre saying that if they dont receive the proper documentation form XXXX, then the check that they have will be put towards my car balance to reduce it..! Im paying out off pocket too much money on a rental when I can be riding in my own vehicle which is just sitting up at a collision center.. Ik this May not  fall under this complaint, but I didnt know where to go to file my complaint about my Lender ( Santander consumer )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Rubin & Debski, P.A.
State: FL
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 recently received many solicitations from attorneys that wanted to help with a lawsuit, I became very curious as to why I was receiving all this mail. I went online to public records and found that a pre-trial conference was scheduled for XX/XX/2019. I never received any information by mail or by phone. I never received any legal documentation regarding this matter. I was very upset to see this under my name in public records with a past due date. On XX/XX/2019 I called the office of XXXX XXXX XXXX XXXX. 
I asked to speak with Mr. XXXX. The woman that answered my call said he was unavailable. I gave her my name and asked for her name and she just ignored my question. I willingly provided her with my personal information. She informed me that they are representing XXXX XXXX & I owe a balance of {$3600.00}. I informed her that I had XXXX XXXX XXXX accounts in the past years all 4 were closed upon my request all 4 had a XX/XX/XXXX balance. When I told her that this has to be some mistake, I do not owe this money, she became very argumentative. I asked her for her name again, she replied that our discussion was over and hung up. I called back a few more times today, but all I received was a voice message. I left two individual messages, but no one ever returned my call. I can not resolve this issue when this woman is screening phone calls and refuses to give me her name. XXXX XXXX XXXX have not returned my phone call and this unidentified woman behaved like a loan shark, using unprofessional scare tactics. Please help me clear my name and this serious matter. Thank you

Company response to consumer: Untimely response
Consumer complaint received 2019-05-14
Company: Opportunity Financial, LLC
State: IL
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:
This account is illegally being reported on my credit report. On dates, XX/XX/19 and XX/XX/19, I formally disputed it directly with XXXX  in regards to their illegal reporting, and their response was VERIFIED. 
On date, XX/XX/19, not only did I reach out the company directly with a letter after XXXX  supposedly verified the account, in getting this issue resolved. I sent along with my Police Report and an affidavit but the address XXXX  has listed on my credit file for this company came back UNDELIVERABLE from the United States Postal Service. I presented the documentation to XXXX  and they still havent removed the fraudulent account. Therefore, I am now formally disputing directly with you in getting this fraudulent account remove immediately, please!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-23
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
XXXX, XXXX, and Experian has to remove old lines/closed accounts from my credit report after the time limit has run out. The XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX debts has expired almost 12 -20 yrs ago. The CRAs do not automatically delete the closed items from my credit report once they're  scheduled to be deleted, Further, they have not every time I keep disputing give me a thorough investigation besides the e-OSCAR system.

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 2018-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
fraud and Id theft, police reports # XXXX ( fraud ) # XXXX ID theft

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