BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-08
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 {$1500.00}. 
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 {$1500.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
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  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -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 2020-01-08
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 {$1500.00}. 
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 {$1500.00} -This is not my account. 

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9000.00}. 
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  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$9000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Diversified Adjustment Service, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call daily, multiple times a day. Despite the fact that I have been making regular monthly payments. They want me to pay the balance due, which I do not have the means to do. I have not disputed the debt, nor have I tried to not to pay. I am paying monthly. The representatives are rude and unpleasant for no reason.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
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:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX  XXXX XXXX, TX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX RE : XXXX XXXX XXXX Dear XXXX XXXX XXXX, This letter is to inform you that I am disputing this debt listed above. I also want to inform you guys to cease calling me. This debt was not mines at all and I dont know anything about it. I have filed a complaint with the Attorney General of Texas and will file a complaint with the FTC. If this is not removed from my credit report I will be suing your company. I will be also contacting a lawyer to handle this case since you have ignored my request and posted this to my credit report without sending any communication about this debt. 
In my opinion, you have failed to validate this debt. I must remind you that I originally disputed this debt within the 30-day dispute period outlined in the FDCPA and that I am now also responding in a timely manner to your attempt to validate this debt. Because I still consider this debt as " still in dispute '' I do not expect to hear from you again except to provide information or documentation to clear up my reasons for disputing this debt. 
If this debt is reported on my credit report after I have disputed this debt. I will contact my attorney to file a civil lawsuit against your company. I already advised you in my previous letter that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act and that I will not hesitate to take all legal steps necessary to protect myself. Be advised that I am keeping accurate records of all correspondence including tape recording all phone calls. 
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 2020-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The following accounts below was paid and closed. However it states that the account was 4 payment late. The account was never in delinquent. I contacted all three credit bureaus to correct the issue. All three informed me that the account was verified. All three credit bureaus was ask to provide verification, but failed to provide verification information. Im requesting that this account be deleted or updated on my credit report. 

Account Name DEPT OF ED/XXXX  Account number XXXX Loan Amount {$6000.00} Account Name DEPT OF EDXXXX  Account number XXXX Loan amount {$2600.00} Account Name DEPT OF ED/XXXX Account number XXXX Loan amount {$4000.00} Account Name DEPT OF ED/XXXX Account number XXXX Loan amount {$2200.00} Account Name DEPT OF ED/XXXX  Account number XXXX Loan amount {$3500.00} Account Name DEPT OF EDXXXX  Account number XXXX Loan amount {$3000.00}

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
Consumer complaint received 2022-06-14
Company: Experian Information Solutions Inc.
State: LA
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, XXXX XXXX, am a federally protected consumer and I am filing this complaint against XXXX XXXX Bank XXXX. XXXX XXXX Bank XXXX is in direct violation in regards to the information that is being furnished on my consumer report. I would like to state that XXXX XXXX Bank XXXX is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that information furnished must be in accordance with the written instructions of the consumer. I, the consumer, never gave XXXX XXXX Bank XXXX any written consent to report anything on my consumer report. NO CONSENT = IDENTITY THEFT. The following inquiry is being fraudulently furnished. I did not authorize, benefit from, nor consent to this inquiry and I demand it be removed from my consumer report immediately : XX/XX/2021 ( XX/XX/2021 ). If this inquiry is not removed, I will hold XXXX XXXX Bank XXXX criminally liable for willful noncompliance and aggravated identity theft pursuant 15 USC 1681a ( q ) ( 3 ) since fraud is being committed using my identifying information. This negative item on my consumer report is preventing me from having a fair and equitable consumer report according to 15 USC 1681b. If XXXX XXXX Bank XXXX can not provide to me a copy of when I sent a written permissible purpose to validate this inquiry, I demand for it to be deleted in 4 days. Enclosed is the FTC Identity Theft Report which states the above mentioned inquiry that is being fraudulently furnished.

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 2015-10-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My account with Kohls was closed because my husband died. They told me to open a new account in my own name. I have always paid my account on time. Closure dinged my stellar credit rating. I have a Kohl 's MVC ( valuable customer rating ), entitling me to discounts, etc. They ca n't transfer this to a new account. The response to my complaint about closing my account and inability to transfer my status, was '' we 're very sorry, please call the company president. " So much for being a good customer. Kohls = Scrooge in my opinion!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I opened my mortgage account in XX/XX/2021. Since I have to pay the school tax in XXXX, the mortgage company, XXXX, requested me to pay it by myself only for the XX/XX/2021. Since then they moved my loan to another company called, Mr. Cooper. 

In XXXX, my lawyer sent a check to the school tax collector and it proceeded. Then, Mr. Cooper sent it again ( double payment ). According to the tax collector ( below is detailed information of the tax collector ), the check has been sent back on XX/XX/2021. 

XXXX XXXX XXXX XXXX 2021 Make Checks Payable to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX, Receiver OR XXXX School Tax Department Due to the problem, I closed my escrow account. Since then, I tried to communicate with them but was not successful. When I email them, I occasionally receive their replies saying that it's not their department and sent me a new phone number OR sometimes, no responses OR sometimes, they just sent me a letter that it will take time. Only valid response I got was on XX/XX/XXXX saying that " We have completed a review of your escrow account. We contacted XXXX and due to double payment there is refund available {$7700.00} and will be deposit back to escrow account. We apologize for any inconvenience this may have caused to you. '' However, even since then, I've never received their message so I have to send multiple emails again. 

In XXXX, I was worried if it happens again because I had to pay another tax in XXXX. So, I contacted them multiple times again but never received any valid response. 

Eventually, I called twice today and yesterday, and they said they will send the information to their tax department. 

I don't know whether it will be eventually solved, but it's already 5 months and I'm still paying for the escrow account that I closed. After I close my escrow account, it only shows that I owe them the tax amount. They said they didn't receive a refund from the tax collector. At this point, I don't know where the check is. So, I have to pay for them every month since then. 

It's very frustrating since talking with their representative takes a lot of time due to their automatic system. And everyone including those who email me back or the representatives I have talked to were saying the same thing, they're not the ones who can solve the issue. What I understand is that their TAX DEPARTMENT is working on that, but I wasn't able to talk to them directly. 

Hope filing this complaint will eventually solve the issue and I can get my remaining amount in the escrow account rather than paying for never-used debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-03
Company: EQUIFAX, INC.
State: TX
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:
IF THE BUREAUS FOCUSED MORE ON PROTECTING THE WRONG INFORMATION FROM BEING REPORTED AND ACTUALLY CONDUCTED PROPER INVESTIGATIONS I'M SURE PEOPLE COULD GET A LOT FURTHER, BUT WHY WOULD THEY DO THAT WHEN THEY LITERALLY PROFIT FROM EACH DISPUTE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Deposited Insurance check {$7500.00} for medical emergency and cash {$100.00} in Chase Bank account on XXXX. Receipt said funds would be available XX/XX/XXXX. I called customer service on XXXX after depositing at bank to ask about when my check would clear. They tried to call my insurance company while I was on the phone to verify but told me they could not reach them and verify the check with the issuer and to just wait until XX/XX/XXXX for the check to clear in the system. Was also told my entire account was restricted. I waited until XX/XX/XXXX and I saw that the funds were deposited but not available. Called Chase again XX/XX/XXXX to find out what was wrong. Was told my account was scheduled to close XX/XX/XXXX or XX/XX/XXXX because they seem to not have tried again to verify my check during the XXXX clearance period. The representative called my insurance company and was able to verify the check and told me she sent a request to reopen the account which would take 1 business day. 1 business day later I checked the account and it was closed. There was no account on file. I called again XX/XX/XXXX and spoke with a rep about my account closure. The rep said the request to reopen the account was sent but was never reopened by back office. They put in another request to reopen the account and told me to wait 1 business day. I checked the account again 1 business days later, and saw it was back up however saw all the money was withdrawn out of the account, my debit card was no longer usable and the account was still restricted. I called again XX/XX/XXXX to request again for my funds to be located and my account to be opened. I was told the money would be placed back in the account that day or the next and the another request was placed to remove the restriction from my account. Waited Friday and over the weekend and checked again Monday XX/XX/XXXX and saw no change. Called again and was told the same thing ( requests were submitted to remove the restriction from my account but never happened ), also asked where the funds from my check were. The status of the cash deposit was listed as available but the check was still missing. The rep made another request to the back office to lift the restriction off my account and told me to wait 1 business day. The next day XX/XX/XXXX, still the same. I called again and the rep told me the same thing ( request sent, wait 1 business day ). I waited 2 days and checked again XX/XX/XXXX, still no change. At this point I dont know where my money is and have been completely inconvenienced because Chase failed to follow through on their end to call to clear the check ( which they made it seem like that was my fault/task ) and failed to resolve the situation by reopening and locating my funds. This has not been resolved for 20 days now. I need the funds to pay for my XXXX on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Fraudulent applications were submitted in my name and approved. I have a Credit Monitoring service that notified me on XX/XX/XXXX which was within 24 hoursof the inquiries. They provided information on accounts approved by Capital One using XXXX  and XXXX XXXX credit information. I contacted all three parties informing them of the situation. The Inquiry still shows on my credit report with XXXX and XXXX XXXX. Both claim I need to notify Capital One. However I notified them on XX/XX/XXXX XXXX and they removed the inquiry from my XXXX   credit report but not the others. 

I have contacted both XXXX  and XXXX XXXX MULTIPLE times and have been unable to resolve the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Fraudulent applications were submitted in my name and approved. I have a Credit Monitoring service that notified me on XX/XX/XXXX which was within 24 hoursof the inquiries. They provided information on accounts approved by XXXX XXXX using XXXX  and Trans Union credit information. I contacted all three parties informing them of the situation. The Inquiry still shows on my credit report with XXXX and Trans Union. Both claim I need to notify XXXX XXXX. However I notified them on XX/XX/XXXX XXXX and they removed the inquiry from my XXXX   credit report but not the others. 

I have contacted both XXXX and Trans Union MULTIPLE times and have been unable to resolve the issue.

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 2017-07-20
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Notified EquifaxXX/XX/XXXX, and sent another dispute in XX/XX/XXXXof a public record/employment record showing up on their credit report as not accurate. I asked for deletion, if documentation could not be forwarded to me, instead of hard documents, they simply stated they received the information from a 3rd party ( XXXX ) ... ... The problem is it 's not mine. They know it 's not mine, because they ca n't even send documents!!! I never owned any property with back taxes in California, or any other state/country. They are listing this information based on a computer " probability '', and not based on any physical absolute, hard documentation with names/signatures. Image 3781 attachment : Is FROM XXXX. As you can see ... .NONE OF THAT INFORMATION MATCHES. Not my name, not my address, not even the case # 's of this mystery lien.This is unacceptable that privately held companies by the name of CREDIT REPORTING AGENCIES, in our country can just place things against consumers ' names, and WE ARE THEN LEFT WITH PROVING IT IS NOT REAL ... ..WHEN IT WAS NOT REAL TO BEGIN WITH!!!!!

Company response to consumer: Closed with explanation