BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
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 {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
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. 

-- AUTO ACCOUNTS -- XXXX. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


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


-- COLLECTION ACCOUNT -- XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -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 2018-03-26
Company: National Credit Adjusters, LLC
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 sent 2 letters requesting specific information regarding : 1. Agreement that grants them the authority to collect on this alleged debt, or proof of acquisition by assignment.

2. What did you pay for this account, and how did you calculate the current amount owed?

3. Proof of notice by certified mail with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I received a copy of my credit report and found a few items to be in error. I have attached and FTC report and my letters for each bureau to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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 {$15000.00}, {$40000.00}, {$120000.00}, {$320.00}, {$3000.00}. 
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. 

-- AUTO ACCOUNTS -- 1. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$15000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$120000.00} -This is not my account. 


-- OTHER ACCOUNT -- 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$320.00} -This is not my account. 


-- COLLECTION ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 is missing that should be on the report

Complaint:
I was a victim of identity theft in XX/XX/2016 and had to dispute all of my accounts on my credit report because I could not identify accounts that were mine. Transunion deleted everything in my credit file. After identifying my accounts I mailed Transunion my identified accounts, account numbers, and balances on accounts, to add to my credit file. 
This was never done by Transunion. I am unable to get a credit score from Transunion. Because of the lack of compliance on Transunion 's part, I am unable to get a mortgage loan, credit, and have correct credit history,

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 2021-07-28
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My moms name is XXXX XXXX XXXX! I do not own any of these accounts, I would like them removed. Please help me remove this from my credit because this is holding me back ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Usaa closed my account after a deposit of XXXX Went into the account. They told me they had to wait 60 days after the account closed to send me a check. This is not so, if they closed my account they have to send me a check now since it is closed. They chose not to do business with me, fine, but they cant try to steal my money by sending a XXXX check to me either in 60 days After it is closed. They confirmed 3 times that it was closed. When I asked them to send it they said it would be 60 days which is illegal. They closed my account the second it was deposited.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, 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:
XXXX COLLECTS ON ID THEFT. XXXX does not follow FTC Guidelines on web consumer information ftc. gov Report ID Theft. 
Credit Cards ID THEFT INCLUDE : 1 ) Unauthorized Charges XXXX is well aware of Unauthorized Charges XX/XX/XXXX. ( see XX/XX/XXXX XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} UNAUTHORIZED. 
2 ) Charges for goods & services you did not accept or that were not delivered into your hands as agreed.XXXX  DENIED MY REQUEST TO PROVIDE WRITTEN DOCUMENTATION PURCHASES MADE BY ME ie IP address AND ACCEPTED DELIVERY signature post office or delivered into my hands ( see attatched Criminal Investigation letter of XX/XX/XXXX USPS NOT DELIVERED BEGINNING XX/XX/XXXX ) Furthermore FTC is very clear if creditor is 15 days too late OR TAKES MORE THAN TWO BILLING CYCLES TO RESOLVE DISPUTE. XXXX SEE ALL UNRESOLVED FRAUD BELOW ** Kindly Note attatched FRAUD LETTER CLAIM DATE XX/XX/XXXX TOOK UNTIL XX/XX/XXXX. Ten 10 months TO COMPLETE THE FRAUD INVESTIGATION OF XX/XX/XXXX. Kindly Note attatched XX/XX/XXXX statement THERE ARE NO XXXX CREDITS. Futhermore see attatched. NUMEROUS UNRESOLVED FRAUDS XXXX FAILS TO RESOLVE. ( see attatched XXXX   Dispute XXXX has Certified to XXXX  that the information is Accurate. THIS IS FALSE CREDIT REPORTING AND ILLEGAL. THIS HAS NEVER BEEN RESOLVED TWO YEARS LATER!!!???!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: EQUIFAX, INC.
State: MS
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 got a notification from XXXX XXXX about a hard inquiry on my credit report. I have not authorized any creditors to access my credit history. I believe the inquiry in question was supposed to go on my father 's credit not mine. We share the same first name but that is all. The company in question is XXXX. He applied for a contract with them this week. XXXX assured him that his credit was checked using his social security number. Somehow, it ended up on my Equifax credit report. It has not appeared on XXXX report yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: FC HoldCo LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Flagship Credit Acceptance LLC issued a deceptive form as a contract. Repossessed the vehicle, sold it, and still continues to furnish negative information to the credit agencies for years now. I have asked them to validate this alleged debt and they still have not provided me with the required documentation pursuant to 15 USC 1692g nor the documentation I requested from them. I am attaching the correspondence I have sent them, everything is over 40 pages, so I am only attaching what I have sent them and their last response to me. If all 40 pages are needed I can forward upon request.

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 2021-07-28
Company: Experian Information Solutions 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:
Vehicle was traded in and signed over in XX/XX/2021 which lines up with the opening of my new auto loan. XXXX XXXX XXXX purposely didnt close out the loan until XXXX and listed me as late for the month of XXXX when the vehicle had been traded in since XXXX. This company also reported me late in XXXX when a payment was submitted in time.

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 2017-01-19
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My monthly payments are steady going up and I received no notice when my loan is due to be in repayment status and most of all instead of them consolidation get into XXXX loan I have XXXX multiple loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize these two credit authorizations through XXXXXXXX XXXX for XXXX store card XX/XX/2021 and also for XXXX XXXX on XX/XX/2021 This is illegal and against the fair credit and reporting act somebody must have access my information and social security number committing fraud and then attempting to obtain credit through my financial information these need to be removed immediately.

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 2021-07-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not authorize these two credit authorizations through XXXXXXXX XXXX for XXXX store card XX/XX/2021 and also for XXXX XXXX on XX/XX/2021 This is illegal and against the fair credit and reporting act somebody must have access my information and social security number committing fraud and then attempting to obtain credit through my financial information these need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: Helbing Law Group
State: RI
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
To whom it may concern : I have been using Helbing Law firm LLC for 3.5 years. They claimed to be able to improve my credit to debt by reporting to all 3 credit agencies as I made monthly payments to them.

Helbing LLC. has only settled 1 account in the 3.5 years and has not been reporting my payments to the credit agencies. Also, Helbing has settlement amounts higher than the original amount as well as used my payments towards accounts that are not mine.

I have not heard from them for the past year until I threatened to make this claim.

Please see attachments Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have REPEATEDLY complained that Bank of America has not sent me a mortgage statement in, now, 3 years. They constantly confirm the coorect mailing address of XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX and insist that they are mailing the statements there, but I continue to not receive them. I have no idea what the monthly payment is or if it has changed. They also continue to post late fees for what was THEIR error in XXXX taking my mortgage payment and applying it to a credit card instead of the mortgage then threatening me with destroying my credit and foreclosure.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I am a XXXX year old retired female who does not have an account with XXXX and a series of charges totaling over {$600.00} from XXXX appeared in my Credit Card with Chase. 

I contacted XXXX to report the issue and since I do not have an account with them, they were unable to release any information about the charges even though my credit card was the one charged. XXXX advice me to contact Chase. 

During the period of the investigation, all of the charges were credited back, and after about 30 days I called customer service to ask if said credits were final ; they told me yes, not to worry. Then, the next billing statement came and all disputed charges were added back. later I received a letter stating that the investigation concluded that all charges were valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My debit card had an unauthorized charge by XXXX which caused the account to go negative. Bank of America immediately hit me with a overdraft fee. First I called XXXX, their customer service people quickly admitted the error and issued a refund which would take 2-3 days to process. I then called Bank of America, they said they would n't do anything until all the transactions posted then they would refund the overdraft fee and remove it from my records. So I waited until then, I have since called them three times, once I was on hold for so long I gave up, the 2nd time I kept getting bounced around different people. One dept says since it was n't technically a fraudulent charge they ca n't do anything, another dept says they ca n't do anything because they state that this in fact a fraudulent charge and the other dept needs to issue the credit. The 3rd time I was hung up on by the employee.

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 2021-07-28
Company: Professional Credit Management, Inc
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX ... PROFCRJONSBO ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
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: Personal information incorrect

Complaint:
-XXXX  Is reporting an incorrect address that is not mine. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX -Equifax Is reporting incorrect address on my credit report -XXXX  XXXX XXXX , OH XXXX -XXXX  XXXX XXXX  , OH XXXX -XXXX  XXXX XXXX XXXX  , PA XXXX -XXXX  XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXX ,  OH XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX , OH XXXX -XXXX  XXXX XXXX , OH XXXX These addresses are reporting incorrectly and should be removed right away. They are causing issues with my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So there have been almost {$13000.00} dollars that have been taken from me for the past 3 year from these 3 banks. 
1. CHASE 2. XXXX XXXX 3. XXXX XXXX  XXXX THERE WAS A FEW TRANSACTIONS THAT I KNOW I HAVEN'T MADE OF {$72.00} AND {$62.00} DOLLARS EVERY MONTH FOR THE PASS 3 YEARS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient has been overcharging me for years now. They refused to assist me in lowering my student loan payments and I had to default on my loans while in XXXX and XXXX XXXX After my father passed away ( he was paying my loans ), I was unable to make payments and they refused to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: JPMORGAN CHASE & CO.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage 4 weeks ago on XXXX/XXXX/15 and still have not received my principal payment overage and escrow reimbursement. The total amount owed is approximately {$4000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I am XXXX XXXX  XXXX person, I have SSA and XXXX coverage, I was forced NOT voluntarily to the Hospital. They must bill XXXX, its not fair to put me in a Hospital against my wish and then put me in a collection., i even did Not received any bill or notices because father moved me other location. One of the creditor ( put same amount for same day of service 10 times ( XXXX XXXX XXXX XXXX {$200.00} / XXXX XXXX XXXX XXXX ),. I am XXXX, have insurances, forced to the Hospital Involuntarily, i have no idea what my insurance paid., i have no idea i was put in a collection., i am unable to rent anything.., get more depressed. Can you please help me in this matter.

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