BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm submittng this complaint once more to ensure that the data reported on my credit file is completely accurate. I believe that there's an account that is confusing and lacking in detail. Therefore, I kindly request an investigatigation and correction for this account : XXXX : XXXX XXXX XXXX Balance : {$7700.00} TransUnion : XXXX XXXX XXXX Balance : {$0.00}. Again, there are multiple inaccuracies associated with this account. The balance is incorrect, and there are inaccuracies regarding late payments. I have never been late with my payments. In accordance with the Fair Credit Reporting Act, I will need to request evidence of the last payment and payment history. I kindly ask for your prompt verification and correction of this 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 2023-07-31
Company: EQUIFAX, INC.
State: TX
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 XXXX, XXXX, Account # 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 or consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I purchased in XXXX store on XX/XX/2023 with this XXXX gift card for {$500.00} dollars, and they suspended my car for first time used online, then I called them they said they will send me a new card, wait for 7-10 business days, but after that period I have still not received my card in the mail. I keep doing same thing called them to get my replacement card more than 5 times, and until now I have still not receive my card, all their agent do is escalating my case but never get any update why this replacement card is unable to deliver. and this company do not give any case number to me, I suspect they doing this on purpose. 
they told me the gift card number is my case number

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXXXXXX XXXX XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$19000.00} XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This complaint is in regards to XXXX. I did not see the companies second response until today, when I went to the CFPB website. 

Capital One 's response was : We took another look at our previous investigation and have confirmed the actions taken were correct. To help with your records, we've enclosed a copy of the letter we sent you about your case. Additionally, you sent information showing that the company compensated you for the issue. We are respectfully declining your request for further compensation from Capital One. 


This is not true! The company did not compensate for anything. I had to take XXXX to court to get the money from the clearly fraudulent charge that Capital One allowed. Capital One did not reimburse me for the {$97.00} of interest on the fraudulent charge. The total compensation was XXXX! The pain for Capital One forcing me to take XXXX to court instead of doing what was right, was tremendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. XXXX appears to have removed the account from my file but the account is still on my XXXX and TransUnion files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

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 non-monetary relief
Consumer complaint received 2021-04-18
Company: Experian Information Solutions Inc.
State: FL
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:
This is XXXX XXXX XXXX. 

I repeat this is XXXX XXXX XXXX, no one else. So Experian stop the third-party mess. 
CFPB, I'm attaching too much information for you not to see it's not me the credit reports that I have attached are mine, not a third party. So review them and remove the identity theft from my credit report. 

I have sent to Experian my XXXX and XXXX credit reports/files that show, I had identity theft on my credit report. For some Experian still has on my credit report and item on my report that was due to identity theft and as you can see from the attachments XXXX and XXXX have removed the item. I have attached the proof that XXXX and XXXX removed the alleged debt from my credit report because it was identity theft. I have also sent a copy of my driver 's license and social. I XXXX XXXX XXXX is requested this no one else and my id can verify who I am. My ask is that unless Experian can send me the original signed documents for the alleged debt and how did they verify the alleged debt since it's identity theft? If they can not please removed it from my credit report/file as XXXX and XXXX have done. 

CFPB can you look into this matter and my next steps will be to seek legal actions

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 2021-04-16
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I have been a customer of Quicken Loans for 20 years. I have never made a late payment. I used XXXX to attempt to purchase my new home. I sold my home in early XX/XX/XXXX and XXXX was paid off for their prior mortgage. 

From the beginning I agreed to make a 20 % downpayment on a purchase for {$160000.00}. Today 5 hours before my Second scheduled closing the downpayment somehow increased from {$32000.00} to {$34000.00}. This was never agreed upon nor discussed. 

When I bring this to their attention no one calls me. One of their bankers wrote that he was in a meeting but when he checked the numbers he could change the downpayment back to {$32000.00} but now we can not close. 

I have had my family in a hotel for a week which cost over {$1300.00}, I have storage costs so far of {$220.00} I have already paid movers {$4200.00} and now will have to hire movers again. 

This {$2000.00} dollar change the day of closing is unfair and deceptive. Please investigate. 

I couldnt do the math to make it add up. Please see the loan amount, and the downpayment the numbers do not add up : Review Your Final Numbers Here are your final numbers for closing. Please review them and let us know if they look right to you. 
Loan Program FHA - 30 yr Fixed Interest Rate 2.250 % Monthly Payment {$1000.00} Loan Amount {$120000.00} Purchase Price {$160000.00} Down Payment {$34000.00} Deposits {$1000.00} Credits {$3000.00} Total Due At Closing {$36000.00} Your name ( s ) on the title will appear as : XXXX XXXX, a married man and XXXX XXXX XXXX, his wife

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-18
Company: EQUIFAX, INC.
State: GA
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 have disputed this collection on this XXXX XXXX XXXX for months.XXXX  and XXXX  have reversed them but Equifax is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously.

I am a victim of identity theft.CFPB please step up and fix this ASAP, pursuant to section 605B of the Fair Credit Reporting Act. '' '' ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. 

XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX  XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX  - Acct XXXX XXXX XXXX XXXX - XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX - Acct # XXXX XXXX XXXX Acct # XXXX XXXX  XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX- Acct # XXXX XXXX XXXX - Acct # XXXX XXXX XXXX XXXX - Acct # XXXX Original Creditor XXXX Acct XXXX XXXXXXXX XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX XXXX  - Acct # XXXX XXXX  - Acct # XXXX XXXX XXXX - Acct # XXXX, have 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 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 2022-11-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To whom it XXXX concern, The account name XXXX XXXX  with the number XXXX appeared on my personal credit report on XX/XX/2022. When I was alerted of the account via email, I contacted XXXX bank to inquire about the account on XX/XX/2022 and XX/XX/2022. The customer service representatives I spoke to said that this account belongs to my former employer. My employment with the company ended on XX/XX/2022. XXXX bank claims that I am personally liable for my former employers debt but refuses to provide evidence supporting this claim. There is no record of a signed personal guarantee or co-signer agreement and XXXX has not provided any proof that I am liable for this account despite my numerous requests. The last customer service representative I spoke to at XXXX recommended I dispute the account to the XXXX credit bureaus, which I have done. Equifax appears to have removed the account from my file but the account is still on my XXXX and XXXX files. I would like this account removed from my personal credit files at all three credit bureaus since it is not my account and I am not personally liable for the account. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-22
Company: PNC Bank N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem with direct deposit

Complaint:
I have a pnc pay card that I can't get my XXXX direct deposit until XXXX and I have many bills and I can't take care of myself in a timely fashion

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-08
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I received a overdraft fee from Pnc Bank, when I have a line of credit. The line of credit was not used nor was the funds in my other savings account.A {$36.00} fee was placed on my account for a mistake made by the bank? I would like the fee to removed and added back to my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-17
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I would like to file yet another complaint against my mortgage servicer by the name of PENNYMAC. This is a very despicable company and I believe they are deliberately and wanton willfully refusing to remove unsubstantiated late payment in which I was on a forbearance plan during the time of the late payment reporting. I spoke with some person name " XXXX '' not sure if that is his real name because he is a LIAR. He has given me false expectation and I truly believe he didn't even look into my situation wherein I was on a forbearance plan during XXXX and XXXX and modification during XXXX when I was placed on notice to deploy for active duty. This company is deliberately causing duress and economical and familial harm to me and my family as they are being allowed to place derogatory information wherein I have multiple documents to show I was on a forbearance plan and my mortgage should have NEVER been reported derogatory. It appears this company has a deliberate and illegal way of dealing with their customers as while deployed they NEVER paid my property taxes and when they did I had to contact the CFPB in order for them to do it and they put the balance paid on my taxes wherein they were in TOTAL violation of RESPA when they finally paid they put the amount they paid as a PAST DUE AMOUNT on MY CREDIT REPORT AS IF I WAS $ XXXX due and WILL NOT REMOVE IT AS THIS WAS NOT MY FAULT IT WAS THEIRS..PLEASE HELP ME AS MY PLEAS ARE FALLIN GON DEAF EARS WITH THIS COMPANY AND I HAVE NO OTHER CHOICE BUT TO LITIGATE THIS COMPANY FOR FRAUD, WILLFUL VIOLATE OF RESPA, FCRA , SCRA ad many other federal laws I am sure., I don't want anyone from their company contacting me as the guy " XXXX '' is a liar who set false expectations and deliberately look for ways to refuse to CORRECT MY CREDIT REPORT WHEN THEY ARE WRONG! My ATTORNEY HAS SENT LETTERS AND THEY REFUSED TO RESPOND TO LEGAL COUNSEL AS WELL. THIS IS THE ONLY NEGATIVELY REPORYTING CREDIT and they are willful and wanton to cause me financial harm especially during a pandemic and as returning home XXXX from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I filed a complaint previously with this company because they increased my interest rate while I was on XXXX XXXX. They responded to me on XX/XX/XXXX, stating that they were going to reduce my rate down since I am protected by the SCRA. 
I am still on XXXX XXXX and they increased my rate back up to 11.200 %. Also, my balance was {$39000.00} at that time. I have been making my payments and sending in extra, and my balance is {$39000.00}. They are not using the extra money that I send in to pay on my principal balance. 

My principle has barely lowerd since XXXX. SPS is charging higher interest twice. Once for not keeping my protected SCRA rate and again for not using the extra payment amount towards my principle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: U.S. BANCORP
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter in the mail from XXXX, XXXX calming that I owe a " Elan Financial '' {$1000.00} which seems to be for some sort of credit card. I looked at the account # on the letter which totals up/ looks like a credit card ( working in banking/finance I have experience with recognizing what these sorts of accounts look like ) First and foremost, the letter is addressed to simply " XXXX '' with my address, claiming they can offer me some sort of settlement offer if I oblige and pay them 50 % of alleged balance. 

I reached out to organization which more than likely purchased debt from " Elan Financial '' for proof that this debt belongs to me, with no response, so I am reaching out to the CFPB with the intent to have this completely removed/ taken care of, and prevent this from hitting the 3 major credit bureaus.

Im not sure if XXXX has my social security #, but at this point, I do not want to take the chance and wait around to find out. Especially for an amount that large, considering they have my current mailing address. 

Kind regards,

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 2022-11-11
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
BARCLAYS BANK called me for for a month and a week straight about a debt that I do not owe. I reported identity theft with the company as well as all the credit report agencies and have had this debt taken off my consumer credit report. I now demand that BARCLAYS BANK XXXX ( XXXX ) my account and stops collection attempts. 

I have tried to contact the company asking them to validate the debt and show that the debt does not belong to me. I even sent in a Cease and Desist notice to stop collection attempts. 

They have called me everyday XXXX times a day ( once in the morning and once in the evening ) from XX/XX/2022 to today XX/XX/2022, even on weekends. My phone rang ever day, twice a day for more than a month straight. This caused me emotional distress and embarrassment as this is my work phone and they called during working hours repetitively. This is abusive and unfair practices by debt collectors and its violating 15 U.S. Code 1692d ( 5 ). Furthermore BARCLAYS BANK is also in violation of 15 USC 1692c ( c ). as they have contacted me for 45+ days after I send them a formal Cease and Desist notice. 

I demand BARCLAYS BANK to XXXX this account and cease collection attempts as this debt is not validated. I also demand BARCLAYS BANK pays me for the laws they have broken pursuant to 15 U.S. Code 1692k, ; Any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of {$1000.00} in damages - per violation. 

I have attached all the evidence of my Cease and Desist notice, Identity Theft Report and communications with BARCLAYS BANK as well as call screenshots of all the calls from XX/XX/2022 to XX/XX/2022.

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