BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-08
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On XX/XX/XXXX I had to visit the hospital due to an illness, I was retained in the XXXX until XX/XX/XXXX. Upon departing the hospital I checked my US Bank Relicard, and noticed there were several charges I did not conduct. These charges were at a XXXX And XXXX XXXX and XXXX bill, all of which were not near me. There were also some ATM Withdrawals. My wallet was stolen with the card, and I do not know whom stole it. I did not realize it was stolen until I left the hospital since I was in the ICU. US Bank asked me to send in a signed " letter or statement of dispute upon waiting for their statement of dispute to arrive in the mail '' I did send a statement of dispute and evens on XX/XX/XXXX. Then subsequently received the forms on XX/XX/XXXX and XX/XX/XXXX after calling AGAIN to see where the forms were. I wrote exactly what happened. There were two additional charges for XXXX, and these XXXX Trips were for me to go to and from the hospital. This didn't require me to type in a card number because the card was already saved on this app. So again, I was not aware my card had been stolen. US Bank when I called back on XX/XX/XXXX I was told they investigated my " Fraud Claim '' on XX/XX/XXXX and XX/XX/XXXX and determined no error occurred and that they " Verified '' I or someone was authorized by me to make these transactions and that they benefited from the transaction. This not only is false, Especially since I was in the hospital and these MERCHANTS ARE IN XXXX OKLAHOMA. 2 Hours away from me. I do not own a car and would not have been able to make it to this location while in the hospital. It's not possible to be in two locations at once. Again I never authorized these transactions, nor Did I receive any benefit from these transactions I was in a hospital in XXXX, TX. These transactions occurred in XXXX, OK. I do not believe this was properly investigated and XXXX belief US Bank quickly rushed this out so they did not have to refund the money that was stolen from me. This is beyond frustrating. 
XX/XX/XXXX ATM Withdrawal {$360.00} - ATM Says in XXXX OK, XXXX. Again Different state. 
XX/XX/XXXXXXXX XXXX {$10.00} - California XX/XX/XXXX ATM Withdrawal {$20.00} XX/XX/XXXX XXXX XXXX {$20.00} - Us Bank had to send second dispute form after they missed.. 
XX/XX/XXXX ATM Withdrawal {$140.00} XX/XX/XXXX ATM Withdrawal {$100.00}. 
XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX ATM Withdrawal {$200.00} XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX {$10.00} XXXX Ok XX/XX/XXXX XXXX # XXXX XXXX {$230.00}

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 2023-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Regarding the erroneous information I discovered on my credit report, I am submitting this complaint. The things in question have nothing to do with any purchases I made or gave my approval for. I have informed the Federal Trade Commission of the identity theft, and copies of the FTC 's Identity Theft Report are provided. Since I am an identity theft victim and my information was used to open these items without my knowledge or consent, I humbly request that you either immediately remove these fraudulent entries from my credit report with your company or tell me exactly where you got the information so I can take the appropriate legal action. The list of bogus items I discovered on my Creditreport is below 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 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  XX/XX/XXXX Balance {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$510.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Balance {$1000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$900.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance {$490.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$7600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$600.00} XXXX XXXX XXXX XXXXd XXXX XXXX, XXXX Balance {$220.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Balance {$940.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX Balance {$180.00} XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX Balance {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} XXXX XXXXXXXX XXXX Bankruptcy 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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

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 2018-11-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I searched for tickets on XXXX for game 4 of the XXXX XXXX. I found a seller and reached out to him, I suggested a price for 2 of the 4 tickets he was selling. 

I suggested that we do payment via XXXX since h said he was out of town, he then said we could use his wife 's apple pay or XXXX. I told him I had neither. I then suggested that we do Chase XXXX but he said he doesn't have them as a bank, but that they had a XXXX integration. 

He tells me his name and email and j send XXXX to the email via XXXX/XXXX. He says twice he didnt receive it after I sent, then he finally did he got it. He then asked my email again to send the tickets electronically as he was putting them in my name. 10 minutes go by, I have not received anything, I reach out to him, and no response. 

I use another number to text him asking about tickets, the guy says he has 2 left as he was opening payment from another person. I then lament that there weren't enough for 4 people, he then says to wait. Then he texts back saying the the other buyer is procrastinating and he will sell 4 tickets. I then ask why is he parting ways with tickets, and he says he and the wife are out of town on emergency due to his dad having a XXXX. I offer to pray for them, and I ask the dad 's name, he says its XXXX XXXX as well. I then ask more questions about how would I know he was on the up and up and h sends pics of the 4 tickets with the barcode blacked out. I then inquire more, and he gets defensive that I showed a lack of trust. 

I then send 5 requests for refunds, all denied by him immediately after texting him from the original number and demanding my money back. I them report the ad to XXXX, the FTC, and I call my bank about the fraud. They have not done anything or followed up with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Zions Debt Holdings
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Zions debt holdings placed a collection account on my credit report for a debt I resolved years ago with another debt collection company ( XXXX XXXX XXXX ). I never received an email, phone call or letter in the mail from this company for this debt. I am requesting this be removed.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: CT
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 appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these items ( A ). I hope these disputed items are updated and repaired. 
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 XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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 have 3 hard inquires on my report dated XXXX XXXX 2022 They are not mine. 

I had contacted Transunion via phone and was told it was disputed, and within 3-4 days it would be removed. 
Its now XX/XX/XXXX and the hard inquiry still shows on my report. 
I then chatted with Transunion and was told I was given wrong information. 

I was told I then had to mail in my dispute, and now nearly 2 weeks has passed since then. 

1. Dispute the 3 hard inquries 2. Complaint versus the transunion rep that provided me wrong information Photo attached of the hard inquries.

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 2018-11-09
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore Loan Management bought out our loan was told I was 3 months behind my husband 's daughter paid the loans to catch it up. I paid off the loan early I thought logged into the web site it says I owe almost 16.00. I then received a notice that I owed a deferred payment of almost XXXX called and was told that I have three payments behind was told that I could make payments until it was paid because it is due in XX/XX/XXXX so I sent XXXX  last month they kept the money it shows it is in escrow account sent XXXX More then sent XXXX  to make sure the deferred payment was paid off. Noticed today the second payment of XXXX was returned plus the XXXX was returned. I called them was told we do not take partial payments but yet they still have the first XXXX I sent and I'm still getting letters that if I don't pay it off beforeXX/XX/XXXX they will foreclose on our home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, INC.
State: IA
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:
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 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 An 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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I have inquiries on my transUnion credit report that I did not authorize. Starting from XX/XX/2021 till now, which is XXXX XXXX. I have called numerous time and I have sent letters out regarding this issue, and it still hasnt been resolved. This is affecting my life really badly because I am unable to buy a home or do what I need to do. I went to the credit union yesterday to see about a personal loan and they analyzed my credit report. They claimed that I requested for a car loan in the amount {$17000.00}, which I did not do, They also claimed that I requested it three times in one week. I also noticed that there were two collections on my credit report, in which they were paid. XXXX claimed they removed it from my credit report, but it is still showing on my report. I have attached proof of the letters that I sent out. If you need any other proof, please request it. I have disputed these things multiple times and no one has taken it off. Please help me resolve this issue.

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 2023-10-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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:
This is my second time writing you to update my personal information. 
15 USC 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX XXXX 2. My Address : XXXXXXXX XXXX XXXX XXXXXXXX, GA, XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX please delete these outdated addresses and update the address with the one above. 
Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Under 15 U.S. code 1681b Permissible purpose of consumers reports, I have NEVER given you written notice and consent to report ANYTHING on my consumer reports. As a consumer by law this account must be deleted, or late payments must be deleted immediately, or I will seek monetary compensation damages in small claims court in my state and city. The letter will also be sent to XXXX and Attorneys General Office and Federal trade commission. 15 USC 1681 ( a ) this company is in violation of my rights to privacy and information I want to be private that is posted on my report is a violation. Infringed upon my right of privacy, there are so many errors of FCRA violation, this account is unverifiable and inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-02
Company: EQUIFAX, INC.
State: KY
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 a letter to XXXX, XXXX and Equifax on XX/XX/2023 my tracking numbers where for XXXX XXXX .... for XXXX XXXX and for equifax XXXX involving XXXX XXXX XXXX account XXXX However they said that they completed the investigation and everything was 100 % accurate. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

this account has several inaccuracies and this account needs to be deleted right now

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: Liberty Holdings, LLC
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I received a judgement of a garnishment that I am not aware of what for. I was not notified of a lawsuit and do not recognize this company 's right to sue me at this time. I need evidence stating what the lawsuit entailed and the original debt that they are claiming.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope you find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have unknown and unauthorized inquiries. I called the creditor and they informed me that they have no record of me on file. I have also written each company a letter and have received no response. These are all unknown and unauthorized inquiries on my credit report that I do not recognize and I have contacted all companies listed. I also want them deleted IMMEDIATELY. This is defamation of my character and livelihood. 

XXXX XXXX XXXX via XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 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 2022-05-23
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  XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXXXXXX XXXX XXXX - XX/XX/22 - {$170.00} XXXX XXXX XXXX - XX/XX/22 - {$180.00} has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
LOOKING FOR SOME ASSISTANCE WITH GETTING INFORMATION CORRECTED ON MY CREDIT REPORT

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 2022-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
CapitalOne would not make any additional attempt if the statement email notification did not get sent. This happened to my business and personal accounts. CapitalOne would just let the account become overdue so they can charge late fees. One would think if the email notification gets returned or undeliverables they at least try to mail a statement or may be a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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 XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$900.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/22 - {$230.00} XXXX PARTNERS XXXX - XX/XX/22 - {$170.00} XXXX XXXX XXXXXXXX - XX/XX/22 - {$180.00} has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief