BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im complaining on XXXX XXXX and transunion after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX  refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/XXXX i have a fraud alert on my profile for over 5 years

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 2022-05-18
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting act : XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-11-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I have submitted several letters with return receipts disputing the information that Experian is reporting on behalf of XXXX. I have also requested written verification of my signature and/or what methods were used to verify the information. The law requires the Bureaus to be able to back up what they are reporting or delete the information entirely. Likewise I have sent several letters to the creditor : XXXX not only disputing the information but also requesting written verification of the information that Experian is currently reporting. I have return receipts for all letters sent to both companies. Both companies have failed to mark the report of their information as being disputed. Both companies have failed to provide me written verification and therefore I am requesting there information that they are currently reporting for XXXX be permanently deleted as this has created hardship for me in securing a home loan.

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 2022-05-18
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:
Im complaining on experian XXXX and XXXX after they have told me to get a approved police repoRt that my identity has been stolen which took the detective 10 months to finall Approve my identity was stolen by an ex roommate and boyfriend of mines years ago they will not accept my documents i have been doing this for months and the detective did a thorough investigation for 10 months before he approved the police report i need XXXX XXXX  to get this off my credit report asap the email address they have on file is incorrect to mines telephone number and bank account that the payments were made from didnt match my bank account at all..the address they have on file is not affiliated with me..they even have a password on the account that i can not identify which i have the recording of several agents i spoke too.i even advised all three credit bureaus that i can not speak to XXXX XXXX because i can not identify the correct information on the account and they still refused my police report and also XXXX XXXX refused to send me a fraud affidavit packet to have the detective fill out as approved investigationjust because a company can verify first and last name and date of birth and social doesnt mean that they acknowledge the account or have any affliction with it..i never even had license for over 5 years to even get a vehchile i have a medical condition/disablity i have a fraud alert on my profile for over 5 years

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 2015-05-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was charged a $ 15 monthly service fee on XXXX of my Chase checking accounts. In XXXX, I complained to the XXXX because I was being charged these same exact fees, despite the fact that Chase states they will not charge these fees if you have a balance across all your Chase accounts of at least {$25000.00}. During the same month I was charged this fee, I had a balance in XXXX of my other checking accounts of {$130000.00}, which is well over {$25000.00}. In XXXX, Chase apologised and said that they linked my accounts and I would no longer be charged a service fee. But I am now being charged the fee again. I want them to reverse the fee, to stop charging me the fees in the future, and to be reported for this illegal practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
In recasting my mortgage with Chase, they sent me instructions, which I followed to the " T ''. this was supposed to make the adjustment to our mortgage by the XXXX XXXX, 2016 payment. I provided them with a check for XXXX the minimum amount and 7 days before their deadline. Chase then misplaced my request and did not send the paperwork required by them. BY the time I called this to their attention, they sent the paperwork about a month late, and therefore, the recast did not take place until the XXXX, 2016 payment date. I am requesting a refund of the extra {$730.00} in interest their negligence cost me. They have continued to deny my dispute and dismissed it without notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Regarding Citi Costco Visa Card Transaction ID XXXX I checked the merchant concerned the above transaction. 
The Costco manager said this transaction was by cash paid in full. 
I want Citi Costco Visa authority to contact the merchant to confirm this cash payment. 
And remove their charge for {$100.00} from my credit card record. 
I hope this action will conclude the last 4 months of haggling and trouble by the credit issuer to a consumer. 
I would like to obtain Citi reply to this issue. 
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 2022-05-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
I have a checking account with Bank of America ( preferred member ). On Friday XX/XX/XXXX I received an email that my balance was low. I checked my bank account and found there was an unauthorized transfer of more than {$39000.00} out of my account to an unknown account. I called the bank immediately and asked them to stop it ( it was shown as " processing '' at the time. They told me the money would be back in my account that evening. The next morning, I saw that not only the money wasn't back but the transaction had cleared. I called again that morning ( Saturday, XX/XX/XXXX ) and they told me that a form needed to be completed to file a complaint. They said it would show up within 24 hours. The next morning, Sunday, XX/XX/XXXX, I check again and no form. I call the bank again, and they said it takes more than 24 hours because it is the weekend. I called again on Monday morning because there was no form. Again, they tell me it will take 24 hours. The money finally appeared back into my account on Tuesday, XX/XX/XXXX. 
However, my account is now locked and there is nothing I can not have access to it through the online system. I have been calling to try to transfer the money to a new account but they put me on hold for long periods of time, with no option for call back. I have called twice today, was put on hold for around 30 min each time ( with the same annoying message playing constantly ) and had to hang up both times because of work obligations.

I find that the response of the bank is unacceptable. This is serious crime that is affecting my ability to pay bills etc., and they are not taking it seriously. It is maddening that I can not contact anyone to get access to my money. They are extremely slow to respond, and my impression is they are not taking this seriously or doing much about it. Furthermore, I have no information from the bank regarding what happened, how was my account compromised, and how to protect myself. When I asked during one of the calls I was told that anyone with my account number can take money out of my account. I can not believe this is true, otherwise this would happen very often ( credit card fraud happens frequently, but I have never heard of anything like what is happening to me ). 
I have tried to contact the bank in many different ways ( XXXX, on-line help, calls ) and I get nothing from them. 
I would much appreciate a response to this and whether I can pursue action legally.

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 2016-09-12
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I have an ATM card issued by TDBank. My ATM card IS NOT a debit card ( does not have a XXXX logo ). I noticed that my ATM card stopped working on XXXX/XXXX/16. I went into my local branch and spoke with XXXX XXXX XXXX [ XXXX ] and she told me that the TDBank network that processes ATM cards ( not debit cards ) was out of service. She could not give me an ETA on when the network would be back up. Today ( XXXX/XXXX/16 ) I tried to use the ATM card but it still is n't working. I would like to know when the network will be back up or if TDBank is not longer supporting ATM cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: CMRE Financial Services, Inc.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX an amount of {$480.00} is being attempted to be collected. XX/XX/XXXX an amount of {$170.00} and {$240.00} is being attempted to be collected. XX/XX/XXXX an amount of {$2500.00} and {$490.00} is being attempted to be collected. Statement date is labeled as XX/XX/XXXX from CMRE.

I have contacted CMRE multiple times over the course from XXXX to present requesting the itemized list of charges. I am provided with bills that do no provide service dates or service types. I made an agreement in XXXX to pay {$78.00} with XXXX ( XXXX ) interest and was paid monthly while still requesting receipts for payments made and what they are going to. I'm told constantly that receipts are " on demand/as requested ''. I've made multiple requests for itemized receipts and have yet to received one. I've called and have a case manager, who's name I do not remember and have left this person many messages with direction as to where to call me and have yet to receive a call back.

The letters I have received from CMRE are payoffs for accounts that are not listed on any bill/demand letter from CMRE. 

As of XX/XX/XXXX I received a letter from another debt collection agency XXXX XXXX XXXX attempting to collect payments of XX/XX/XXXX, {$210.00} XX/XX/XXXX, {$280.00} and XX/XX/XXXX, {$2900.00} XX/XX/XXXX, XXXX for a total of {$4000.00}. These amounts do not match to the amounts by CMRE. 

As of XX/XX/XXXX CMRE on their website published a charge for XXXX with no prior notification of any kind and has called to collect on this debt as well. A bill was requested and as of XX/XX/XXXX no bill has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Experian Information Solutions Inc.
State: NY
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:
ACCOUNTS LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG

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 2023-01-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2022-05-18
Company: ACIMA CREDIT, LLC
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:
In XX/XX/2022 I notice an account on my credit from Acima that was an open account which took me at a surprise. I had an account with them but I had paid it off. So when I saw this account it said open XX/XX/2022 and payments were made on this account but it had stopped being paid. I was wondering why my credit score had dropped but this is why.

I reached out to the company expressed that this is not my account and that I needed to know what to do to get it off my credit. 
I was advised if I thought this was fraud to file a police report submit it and they would take it off my credit report. 
I did so and the. I received a message stating since they have all my info which is apparently they have my info from my own account that they were not removing it. 
This is causing me several credits points and I have done my due diligence and they are violating my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act. the lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 Section 602A. States I have the the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more then seven years. 

US Department of Education : XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: IL
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:
RE : XXXX XXXX XXXX Over thirty days ago, I wrote to Credit Bureau company indicating my dispute of information in my credit report. A copy of my original letter accompanies this correspondence. As of todays date, Credit Bureaus have not responded to my dispute and therefore must remove from my credit file all information disputed in my correspondence.

Under the Fair Credit Reporting Act, your bureau was to have completed its reinvestigation of disputed information within 30 days. This 30-days mark has come and gone without any response from their office. 
I am requesting your assistance in the verification of the removal of the disputed data from my credit report. Please send to my address provided above an updated credit report at no cost to me as proof that that negative information from my account has been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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/2021, I disputed an unverifiable account with TransUnion that theyre reporting on my behalf. I even enclosed a letter coming from the original creditor stating that I was no longer in their system and they could not provide me with the information I was inquiring about. Fast forward to today, I have yet to hear back from TransUnion. They never responded to my dispute and continue to report this unverified 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 2016-08-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Company called has added a note on my credit report and calls more than 3 times. 
They say they are doing this on behalf of a leasing office which claims I owe them money whereas they actually did n't pay for the damage my property suffered because of the lack of maintenance their contract has to provide. My loss was for {$3100.00}, they claim I owe them over {$2100.00}. They actually have a debt with me as they also kept my deposit of {$400.00} which accrues everything up to almost {$3500.00} without considering fees and interest.

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 2015-04-14
Company: The Affiliated Group, Inc
State: NE
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received a letter from Affilliated Credit Services dated XX/XX/XXXX stating that I owe {$160.00} with fees due a check written to XXXX XXXX. The letter states that the check was written on XX/XX/XXXX. 

I have not written a check nor been in a XXXX retail facility in at least XXXX years. 

Upon contacting ACS, I learned that the routing # for the check was that of XXXX XXXX Bank. I had an account at said bank at XXXX time but it has been closed for at least XXXX years. Further, the check # was XXXX digits long and any old checkbooks someone might have found would only have had checks with XXXX digits. 

Please advise me as to how to proceed. 

Thank you,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-04
Company: EQUIFAX, INC.
State: OH
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 went to school at XXXX XXXX and was attending after XX/XX/08 and did not complete my program, I am eligible for this to be forgiven and I have not received any information from the Department of Education or XXXX, nor have they responded to my inquiries.

Company response to consumer: Closed with explanation