BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

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 2022-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was on vacation to XXXX XXXX XXXX from XXXX, XXXX 
On the day XX/XX/2022, I was in transit at XXXX on the way to XXXX, where I withdrew {$40.00} from an ATM machine so that I would have some cash when I arrived at the airport at XXXX XXXX. As I read online that the cheapest way to manage money in XXXX was to withdraw cash from ATMs using a Debit card, my plan was to withdraw about {$300.00} US as I set $ XXXX budget for this trip. When I landed at XXXX XXXX airport by XXXX XXXX ( XXXX ) at XXXX. I picked up my bag, went though the gate and was welcomed by a bunch of travel agents who stopped us to sell taxi rides probably for about 30mins. After this, I went to an XXXX ATM machine at the airport to withdrew XXXX pesos. After the transaction I walked the overpass to an XXXX pick up location and waited for about 30mins to catch an XXXX to XXXX XXXX XXXX 
On the same night, I checked my Capital One app and found 7unauthorized transactions which were made at XXXX XXXX XXXX ( {$270.00}, {$270.00}, {$460.00}, {$530.00}, {$560.00}, {$41.00}, {$190.00} ) as well as XXXX withdrawals ( {$360.00}, {$360.00}, {$250.00}, {$360.00}, {$150.00}, {$100.00} ). I did not realize that the card was not produced by the atm machine as later, I learned that the card does not come out unless you press to confirm the transaction was completed. I believe the card was left in the machine until someone else got hold of it. My bank is approving the XXXX claim for refund however they have declined my withdrawal claim within 2 hrs of the claim being made. The reason for the decision was because this was chip to chip transaction. They had not conducted a thorough investigation that they promised to conduct under their protection program which should normally take 45 days to 90days. I have contacted the bank to dispute the decision as I dont believe they have done an adequate investigation. I need them to do a proper investigation into the case as they promise under their protection program.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: Amsher Collection Services, 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: Account status incorrect

Complaint:
I have an outstanding amount with AMSHERCOLLECTIONSERVICES last reported on XX/XX/XXXX for a total of {$72.00}, originally from 11 charter communications original creditor XX/XX/XXXX. This is some kind of sick joke. Charter equipment was returned 0n XX/XX/XXXX with {$0.00} balance. I was never sent a bill, nor do I have a debt with any of these businesses. SO please correct at your earliest conveniecne.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I applied for the AMEX HILTON HONORS CARD, on XX/XX/, based on a Welcome Promo Bonus of XXXX Reward Points & a Free night stay! The offer showed up when I 's logged into my AMEX account. I 's instantly approved & received the physical card in the last wk. of XXXX, XXXX. Per XXXX XXXX XXXX XXXX XXXX to meet $ XXXX XXXX  in three months to qualify for the bonuses! However, I met the XXXX  of XXXX $ XXXX in the very first month of receiving the card! 
To this date, the PROMO BONUS of XXXX Reward points & a free night stay has not been posted to my account!! 
Repeated calls to AMEX were an exercise in futility! No one from AMEX CSR ever contacted me in whichever way/form! All contacts were instigated by me! 
What a pathetic display of XXXX from AMEX!! 
Furthermore, I 's denied any interaction with the Complaint Review Team! 
Only reason, I 's given for denial was a pop-up I 's supposed to get during the application process, alerting me of my ineligibilty! Of Course, I never received such an alert, otherwise, my common sense dictates, I would have aborted the application process!! 
Only reason I applied for the XXXX card was to get a head start with the Promo Bonus! 

Please do'nt hesitate to contact me if you need any further details/documentation! 

Your prompt resolution to my just & fair entitlement to the PROMO BONUS will be much appreciated! 

Best Regards, XXXX XXXX XXXX. XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 sending this complaint as a follow up to the CFPB in regards to these fraudulent items that I have been repeatedly request the XXXX, XXXX and TRANSUNION to kindly expunge these items below from my file. And as it have been months of repetition of sending letters of request to remove these specified items. I am humbly asking immediate assistance to the CFPB for this issue that won't seem to end anytime soon. Please see the following items that I want nothing more but to BE REMOVED from my credit reports : 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 Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} XXXX XX/XX/XXXX XXXX : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} TRANSUNION : XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX Balance : {$870.00} XXXX XXXX Balance : {$2800.00} 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 2022-01-03
Company: Neighborhood Assistance Corporation of America ("NACA")
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
TILA violations 1. Company removed contract out of the system to avoid TILA and it is notated that in my file with NACA. 
2. I did not get anything in writing within the three-day time frame and NACA works on Saturday.

3. I also did not get anything in writing about XXXX accommodation. 
I had no frustration with my housing counselor, and she was wonderful, but my complaints came from management with my loan file. 


Providing Loan Estimates to Consumers- 1. When is a creditor required to provide a Loan Estimate to a consumer?

Hide Generally, a creditor is responsible for ensuring that a Loan Estimate is delivered to a consumer or placed in the mail to the consumer no later than the third business day after receipt of the consumers application for a mortgage loan subject to the TRID Rule. 12 CFR 1026.19 ( e ) ( 1 ) ( iii ).

For transactions subject to the TRID Rule, an application consists of the submission of the following six pieces of information : The consumers name ; The consumers income ; The consumers social security number to obtain a credit report ; The property address ; An estimate of the value of the property ; and The mortgage loan amount sought.

12 CFR 1026.2 ( a ) ( 3 ) ( ii ).

If the consumer submits these six pieces of information, the requirement to provide a Loan Estimate is triggered, and the creditor must ensure that the Loan Estimate is delivered or placed in the mail within three business days. The creditor or, if a mortgage broker receives a consumers application, either the creditor or the mortgage broker may mail or deliver the Loan Estimate.

Because the definition of application refers to the submission of the six pieces of information, merely maintaining such information from a previous transaction or business relationship does not constitute receipt of an application ( unless the consumer indicates that the information maintained by the creditor should be used as part of an application ). Additionally, if a consumer starts filling out a form online, enters the six pieces of information that constitute an application for purposes of the TRID Rule, but then saves the form to complete at a later time, the consumer has not submitted the six pieces of information that constitute an application for purposes of the TRID Rule. See 78 Federal Register 79730, 79768 ( Dec. 31, 2013 ).

https : //www.consumerfinance.gov/compliance/compliance-resources/mortgage-resources/tila-respa-integrated-disclosures/tila-respa-integrated-disclosure-faqs/

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 mortgage XXXXXXXX XXXX have put credit hard inquiries on my credit report that I gave no permission to and not responsible for. XXXXXXXX XXXX XXXX XXXX  Has put a credit inquiry on my XXXX REPORT IM NOT RESPONSIBLE FOR XXXX XXXX XXXXXXXX and XXXX XXXX XXXX Has put inquiries on my account Im not responsible for I ask all be deleted

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 2022-01-03
Company: EQUIFAX, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Nelnet, 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 belongs to someone else

Complaint:
I noticed a couple months ago that nelnet was reporting I owed student loans in the sum of XXXX I never took out student loans I always was on a XXXXXXXX XXXX I contacted XXXX to tell them that the loans were not mine they responded that nelnet verified the loans were mine. I contacted nelnet they stated that loans were in the name of XXXX XXXX and he signed the promissory note with being said nelnet stated that they didn't have proof of me owing this debt because they were a third party. With that being said it a clear violation of the fair credit reporting act if nelnet can't provide me with a contract agreement between all parties involved and signed. A police report was filed as well the number is XXXX XXXX XXXX XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: PA
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 these companies have violated my rights. 

XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX. # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

I have a right to privacy. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A 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 2018-10-18
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 XXXX reporting and attempt to collect on a debit I do not owe. 

Per Federal and State Lending Guidelines for consumer loans ( Auto, Personal, Real Estate ) in this case an Auto Loan. 

THIS IS NOT MY LOAN OR ACCOUNT AS ANY TYPE OF RESPONSABLE PARTY An auto loan shall have a endorsed and signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note for all consumer loans. The endorsee and signers by all parties would be the Borrowers, Co-Borrowers, and or Guarantors. 

In this case the auto loan with XXXX XXXX XXXX a request was made to them to provide actual proof that the reporting guarantor did actually make this loan by providing a copy of the signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note. Which they have fail to do. 

The only documentation they were able to provide was a Notice to Guarantor from XXXX XXXX XXXX XXXX and a check cashed and signed by another person identified as the borrower of the loan which happens to be a relative of mine. 

To note the Notice to Guarantor from XXXX XXXX XXXX XXXX clearly states the notice is not the contract that makes you liable for the debit. It also further states that the sign promissory is the actually agreement and contact of liability of such a loan and debit. 

Theyre failure to provide any such proof and supporting require documentation clearly shows that I XXXX XXXX am not liable for or agreed to this said such loan. 
That I never agreed to finalize and or accept any loan, nor did I sign or agree to any legal loan documentation such as promissory note, a Truth-In-Lending, Security Instrument as a Borrowers, Co-Borrowers, and or Guarantor which is required by law. Nor did I XXXX XXXX sign for, accept, and or cash any check or instrument in this supposed Auto Loan.

See attach documentation I was able to obtain which clearly supports my dispute.

If the creditor disagrees with my dispute I demand them to present a signed promissory note, a signed Truth-In-Lending, and a Signed Security Instrument Note by me XXXX XXXX as a Borrower, Co-Borrower, and or Guarantor which is required by federal and state lending laws. Failure to do so again will support my claim that this loan being reported in not mine nor do I have any liability to such said loan. 

Under the Fair Credit Reporting Act, Consumer Protection Act, and other Federal and State Lending and Financial laws and guidelines they XXXX XXXX XXXX XXXX have fail to follow and adhere to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: NC
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 have had someone trying to access my credit information and have placed fraud alerts on all credit reports. There have been many many inquiries by lenders in which I did not give authorization to these companies to access my credit report. I have tried contacting these individual companies for a resolution but there are just too many to deal with and not enough contact information is being provided, nor any assistance from these companies. XXXX advised me to fill out his form after placing a fraud alert on my credit file to have these inquiries removed from my credit reports. The inquiries are reported as follows on each of my three credit reports. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX CREDIT REPORT INQUERIES 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 XXXX XXXX XXXX XXXX  CREDIT REPORT XXXX REFLECTS SIMILAR INQUERIES AS ABOVE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Capital One is trying to steal my money! I've had an account with Capital One for years, both savings and checking. All of my paychecks, tax returns and stimulus checks and any other checks I received were deposited into their bank. On XX/XX/21, I received a pension check from a government agency. It was dated XX/XX/21. They had my name spelled wrong on the check. I don't know what other problem there was but they couldn't verify the check. So, the first two customer service agents in their " PROTECTION DEPARTMENT '' only denigrated me and put me on terminal holds. The third one tried to call the government agency but they were already closed and were closed the next day for the holiday. That was XXXX. This is XXXX  I've been on hold and talking to people for nearly XXXX hours. All they need to do is verify the check with the government agency but no one is willing to do that. They say they can't release the freeze on my account without verifying the check but they won't verify it. After reading the horror stories on here, I'm extremely concerned about getting my money. I have bills to pay. They told me to wait for it to go to an investigator then they would close my account and send me a check and many people on here said they never received a check. So, I think they're trying to keep my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: EQUIFAX, INC.
State: LA
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:
I sent you a letter last XX/XX/2023 but I haven't got any response from you and according to the FCRA you are required to response within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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 Account XXXX has violated my rights. 

15 usc 1681 section 602 states i have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had long relationships with Capital One. I trusted my finances to Capital One : I sent Capital One check when I bought a car XXXX years ago, all incoming wires, all incoming deposits, XXXX payments ( in and out ), payments to my credit cards was made from Capital One. My sister sent me international wire {$15000.00} on XXXX XXXX. Later I got a voicemail from official Capital One phone from XXXX that Capital One needs additional information before proceeding/releasing wire. Right after that my account was restricted. Yesterday ( XX/XX/XXXX ) I have an email it was closed. Even someone from XXXX said he would keep it open if wire still arrives. Another Representative denies someone from Capital One called me about wire, even I have XXXXe proof of voicemail. All Representatives were not really helpful, no one saw this wire coming, except XXXX, who left a voicemail and never tried to contact me again. Without reason Capital One decided to close my account. As a result, {$15000.00} are somewhere, not in my American account, not in my sisters account. No one returns {$450.00} commission fee to my sister, if she ever sees her funds back. My question is : why did Capital One close my account? I did not do anything wrong. Besides I was doing the same what I was doing last XXXX  years. Capital One was fine with my iXXXX incoming wires. I am a Customer in good standing, who trusted Capital One and the Bank failed to service me when I mostly needed this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: MS SERVICES LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Hi I would like to give thanks ahead of time for helping resolve my problem. The issue is with XXXX XXXX XXXX XXXX I have send this company a letter for them to dispute the account that was opened fraudulent and I send a letter of report from identity theft, and also a police report. They have not removed it from my credit report and they send me a letter stating that the account was accurate. Please help me solve this issue with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am a victim of identity theft, after reporting the fraud to the police I then put the Fraud warning on all 3 credit bureaus. Reviewing my reports, I noticed all the inquiries I did not authorize those are from : XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX Those dates are : 1. XX/XX/XXXX 2.  XX/XX/XXXX 3. 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