BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
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 {$500.00}, {$0.00}, {$4000.00}, {$5000.00}, {$0.00}, {$6600.00}, {$1600.00}, {$2000.00}, {$1500.00}, {$0.00}, {$680.00}, {$11000.00}, {$790.00}. 

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 ) -- OPEN  ACCOUNT -- 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$500.00} -This is not my account. 


-- CLOSED ACCOUNTS -- 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$0.00} -This is not my account. 

3. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

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

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1600.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$2000.00} -This is not my account. 

9. XXXX/XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1500.00} -This is not my account. 

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


-- COLLECTIONS 11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$680.00} -This is not my account. 

12. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

13. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$790.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: EQUIFAX, INC.
State: MD
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 is reporting an account to my credit report ... .Everytime I dispute they verify it as a verified account.Its a fraudulent account.Its identity theft.Its not my account.I never had this card.I have been complainianng and they keep verifying the account.It is not my account.I want this account deleted from all of the consumer credit agencies.I can supply this agency and the company/bank with the police report the OCC and FTC XXXX 

I have contacted the federal court house in my city/state.So I can prepare myself for filing a federal lawsuit.I filed the complaints with the FTC, OCC and the police report.So I can create a paper trail for court. 

This is a violation of FCRA ... XXXX XXXX XXXX is reporting incorrect inaccurate and untruthful information on my credit reports ... .This account is not mines... 

I want a copy of the original credit card application, the statements for the history of the account.I am requesting this ... .XXXX XXXX XXXX can either supply it to me now or supply it to me through a federal subpeona.Once the Lawsuit is filed in Federal Court . 

Everytime you update the account its on the credit report ... So if i have too... I will file a lawsuit ... .Its only {$400.00} and you will have to come to court... .Then you will have to explain why you didnt follow through and investigate the account ... After letting you it was a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is claiming that I owe them a balance of {$450.00} as of  XXXX   XXXX  and have placed a negative collection account on my credit without my knowledge. I disputed this item recently on  XXXX   XXXX   XXXX  due to fact that they are trying to collect on a debt that is unverified and they also have a revoked license! It appears this company is doing business illegally in my state and have failed to verify the alleged collection account as well as their license status.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
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 is missing that should be on the report

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

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-06
Company: Resurgent Capital Services L.P.
State: GA
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:
Charges on my credit report that I am not contracted with the collection agency pursuing the collection I asked to have accounts verified by  CB I d isputed the following charges on my credit report with  XXXX ,  XXXX , and  XXXX  i asked to show a contract showing I signed in agreement with the below listed collections on the balances they are trying to collect with me and th e all (  3 ) CB could not show me a verified contract and the balances still remain on my report   XXXX   XXXX   XXXX   - Acct #  XXXX  - reported bal {$820.00}  XXXX   XXXX  - Acct #  XXXX  reported bal {$2900.00}    XXXX   XXXX   XXXX     -  Acct  XXXX  - reported bal {$260.00}  XXXX   XXXX   XXXX   XXXX  Acct  XXXX  - reported bal {$380.00}  XXXX   XXXX   XXXX   XXXX   XXXX  Acct #  XXXX  - reported bal {$260.00}   XXXX   XXXX   XXXX      XXXX  Acct #  XXXX  - Reported bal {$250.00}  XXXX   XXXX   XXXX   XXXX  -Acct #  XXXX  - Reported bal {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Orions Management Group, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX and XXXX from Orion 's group called my immediate boss to gather personal information about me and my main line employer line requested to speak with my HR department to get information about serving me papers at my personal residence. I called and he would not let me ask how I can get the papers ( even suggesting signature required/certified mail ), even after I said it was okay to serve me at work, then he hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
The account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, my account was sold to XXXX XXXX XXXX. 
Also, the account ending in XXXX was opened on XX/XX/XXXX. On XX/XX/XXXX, my account charged off. On XX/XX/XXXX, this account was also sold to XXXX XXXX XXXX. 
XXXX XXXX is deliberately reaging debts, violating FCRA 623 ( a ) ( 5 ). ****I am seeking the last payment made to both accounts****. They are restarting a debt clock.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: WELLS FARGO & COMPANY
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I put through Fraud for XXXX XXXX several times at the time and Wells Fargo refused to credit me. XXXX gives so much attention to XXXX XXXX XXXX XXXX  but not when fraud is reported, see below : Fw : XXXX XXXX  Fraud-never approved amount RECEIVED YOUR EMAIL / XXXX / XXXX XXXX -- -- - Forwarded Message -- -- - From : XXXX XXXX XXXX To : " XXXX '' XXXX Sent : Tuesday, XX/XX/XXXX, XXXX XXXX  CST Subject : XXXX XXXX  Fraud-never approved amount RECEIVED YOUR EMAIL / XXXX / XXXX XXXX -- - On Tue, XX/XX/XXXX, XXXX XXXX XXXX wrote :  From : XXXX XXXX XXXX Subject XXXX Fw : RECEIVED YOUR EMAIL / XXXX / XXXX XXXX To : XXXX Date XXXX Tuesday, XX/XX/XXXX, XXXX XXXX  -- - On Mon, XX/XX/XXXX, XXXX XXXX wrote : From : XXXX XXXX Subject : RECEIVED YOUR EMAIL / XXXX / XXXX XXXX To : XXXX Date : Monday, XX/XX/XXXX, XXXX XXXX  We received your email - will place it for Scanning to your claim. 

Should you need further detail or an update on your claim, please feel free to call our toll free XXXX ( M-F, XXXX ) Thank you - DCO Mailbox " This message may contain confidential and/or privileged information. If you are not the addressee or authorized to receive this for the addressee, you must not use, copy, disclose, or take any action based on this message or any information herein. If you have received this message in error, please advise the sender immediately by reply e-mail and delete this message. Thank you for your cooperation. '' From : XXXX XXXXr [ XXXX : XXXX ] Sent : Monday, XX/XX/XXXX XXXX XXXX  To : DEBIT CARD OPERATION Cc : XXXX Subject : Ref : XXXXFRAUD To Ladies and Gentlemen, I spoke with XXXX of your department today, ID : XXXX. 

I told her this is FRAUD. I did not approve this transaction amount. 

This was supposed to be credited to my account months ago. 

I have been cooperative as you requested. The merchant did not call me as your department has requested. 

THIS IS FRAUD. 

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 2020-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have disputed the following accounts with no luck of having them removed. They are not my accounts. I have lived at my current address for over 10 years. I am a victim of identity fraud. I have never had a loan on my car, and/or a payday loan. One account is for electricity, but my electric bill has been under my mother-in-laws name for over 10 years. 

XXXX  XXXX XXXX {$710.00} XXXX XXXX XXXX {$5400.00} XXXX XXXX XXXX {$420.00}

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 2020-06-21
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Closed on conventional mortgage refinance XX/XX/XXXX with XXXX XXXX XXXX ( " XXXX '' ). 
Made 1st payment of {$1700.00} on time to XXXX on XX/XX/XXXX ( Loan # XXXX ). 
Received notice letter dated XX/XX/XXXX that loan servicing was sold to PHH Mortgage services ( " PHH '' ), which is currently under consent order with State of Georgia for failure to comply with servicing standards. 
Have received no written communication, mortgage statement, or other similar billing statement from XXXX/PHH Mortgage to determine new account number and how to make monthly payment, or to determine current mortgage balance, escrow account balance, or payment breakdown information. 
Made attempts to gather new account information with PHH Mortgage with no success. 
By consent order, PHH Mortgage must adhere to significant rules ( servicing standards ) governing its mortgage servicing and related activities as part of a Consent Order entered XX/XX/XXXX, which PHH Mortgage has failed to comply.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: EQUIFAX, INC.
State: MS
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:
Reference : my CFPB Complaint # XXXX submitted XX/XX/XXXX to Equifax Credit Reporting Agency. 
As of yesterday { XX/XX/XXXX }, in response to the referenced CFPB Complaint, I have received Equifax 's reinvestigation results ( See Attachment 1, 3 pages ) for the disputed XXXX  XXXX Bank Account on my Equifax Credit Report. Again, NO ACTION was taken to correct the INACCURACIES in the 81-MONTH PAYMENT HISTORY CHART/GRAPH for the XXXX XXXX Bank Account ( See Attachment 2 ). The XXXX XXXX Bank Account CORRECTLY shows that the account was CLOSED in XX/XX/XXXX ; but the 81-MONTH PAYMENT HISTORY CHART/GRAPH is contradicting the Account CLOSING DATE of XX/XX/XXXX. The 81-MONTH PAYMENT HISTORY CHART/GRAPH shows continuing Late Payments and/or Charge Offs, AFTER the ACCOUNT CLOSING DATE of XX/XX/XXXX, during the years XX/XX/XXXX, XX/XX/XXXX and throughout XX/XX/XXXX ( Again, see Attachment 2 ). THIS IS A URGENT MATTER -- I have applied for a Mortgage Loan, and the Lender will not move forward until the CONTRADICTING INACCURACIES on the XXXX XXXX Bank Account is ACCURATELY cleared up on my Equifax Credit Report. This is COSTING ME MONEY while awaiting to CLOSE MY MORTGAGE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account # : XXXX with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account ID XXXX XX/XX/20 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 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 than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2019-12-16
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2022-10-25
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: Information belongs to someone else

Complaint:
I 'am a victim of identity theft. This account doesn't belong to me. I never heard of this company or done any business with them. Someone is using my credit to purchase items fraudulently. I was alerted by XXXX someone was trying to apply for a credit card in my name. I have attached my FTC report items that are fraudulent. I demand immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I took advantage of a 0 % Transfer rate for 12 months. I still had other existing balances on the account that had a 19.74 % rate. I assumed that all payments I made would go toward the " highest rate '' balance.I recently questioned them because I believed I had paid off the entire balance. 

XXXX XXXX, XXXX XXXX % Balance {$3300.00} XXXX XXXX, XXXX Paid {$3200.00} XXXX XXXX, XXXX Paid {$300.00} I assumed that balance would be {$0.00}. My XXXX XXXX, XXXX statement shows XXXX XXXX, XXXX 19.74 % Balance {$1800.00} Even with the minimum payment of {$300.00} not being applied, how can my balance be {$1800.00}? It just does n't make sense! 

Please help. 

On the Frequently asked Questions, it has a response to how are payments applied. 
It states " Payments above your Minimum Payment due will generally be applied to your highest rate balance first '' That 's it!! Why does n't it state what it does ... minimum payments will be applied to the 0 % offer balance and any amounts over will then be applied to the highest rate. I 'm disgusted and ca n't believe Bank of America allows this to happen. I 've been a loyal customer for 30 years and I ca n't imagine the total interest they have charged me over the years because of this.

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 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is an effort to call for accountability for Bank Of America. I opened the card with an XXXX balance last year, and with no late payments, no significant changes to my credit report or any other just cause they reduced my credit limit by 50% to XXXX, in spite of sending me junk mail for new credit cards?!I have made a series of on-time payments using automatic payments from the Bank Of America website of $XXXX. My account has been in good standing for several months.Now on XX/XX/XXXX I get an email from XXXX XXXX telling me that my account is past due, though I my bank account was drafted on XX/XX/XXXX. Now how is it that XXXX XXXX can send me an email to notify me, but Bank of America can't?! How can Bank of America justify damaging my credit, when I made a payment 10 days ago?! Do they not have a system to automatically email customers when certain conditions are not met?!In my humble opinion this is a quintessential example of everything wrong with consumer banking from the banks that took taxpayer money to cover their losses in the last recession.

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 2017-10-16
Company: Asset Management Outsourcing, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company keeps calling and leaving voicemails even though I blocked the number they called from. This is done at least 3 times a week.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This complaint is about Chase Bank. I recieved an over draft this morning for {$150.00}. According to the Chase app. I had {$40.00} in my account as of yesterday, XX/XX/2019, when i withdraw {$120.00} out at the atm. I tried to figure out how this could have happen but only thing i see is my payment to XXXX XXXX for {$200.00} that was placed on friday XX/XX/2019. Now i know for a fact that it was posted to my account which means the money was to be held or taken out. Because the {$200.00} was on the XXXX XXXX credit card the next day. I do not understand how i overdraft my account when i always check my app. I just found out My daughter who is XXXX  XXXX  is also having this problem. She has a hard time counting her money and she said this has happened to her more then once.

Company response to consumer: Closed with monetary relief