BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
There are many issues that have arose from using this company up to their deceptive advertising not letting you know you are entering in a lease and then once the lease is payed you enter into a loan. To their calling procedures you answer their call and its dead silent for 5 seconds and then hung up and you have no idea who it is. As well there agreements that confuse consumers and are not properly disclosed or discussed. I purchased tires for a total of XXXX on XX/XX/XXXX I didnt receive item till XX/XX/XXXX I entered into a lease agreement well a 90 day buy out option is XXXX plus what I already would have paid if I didnt do the buyout I would have to enter into a loan to purchase the product that was false advertising. I was never provided any disclosures when signing the agreement and when the loan agreement was signed I was never provided my truth in lending act disclosure my privacy act was violated I never gave permission/consent on my lease agreement to report to credit bureaus as the lease and loan are to separate documents I believe many laws have been broken including the FCRA Also they have reported to the credit bureau that I am 120 past due when I fell into a hardship to due to XXXX and being hospitalized a little while after that and XXXX XXXX as well identity theft I spoke to a gentleman that said make the XXXX dollar payment and we will not be reporting to the credit agency we will work with you so I did that and they started debiting my accounts normally bi weekly well to due my identity my bank accounts were accessed and as well as my emails I was forced to freeze my debit accounts and credit reports I tried to let them know when they called but It was a robo caller and just hung up but how can I be 120 days past due if I have been making all my payments except for the times of my hardships.also you cant even see your statements on your portal at all I have provided all the documentation to show them of hardships and after a year and some time they start reporting on my lease that I never consented to or disclosed to. 
A soft credit pull was pulled on my account I was not able to shop around as I was unaware that I was applying for both a lease and a loan with a interest rate of 16 % this reminds me of when I had snap finance and there practices but worse..I was only in stage 1 ( lease agreement )

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 2019-08-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
Dearest sirs ... 
The above servicer ( Carrington Mortgage Services, working for XXXX XXXX XXXX  XXXX   XXXX ), sent a third party company to my home/homestead and trespassed onto my property, then pounding on my door, arrogantly stating " they are seeing if anyone was living at my home ''. 
I took the third party 's company name, the agent 's name, and filed a police report with the XXXX XXXX police department. My 4th ammendment rights were disregarded. This has caused me great stress. My attorney ( XXXX XXXX XXXX ) has been made aware of this. 

The original hardship on my mortgage was due to the usurious 11.8 % interest rate. I am offering a final payoff settlement of {$650000.00}. The original loan was {$310.00} in 2007. The financial crash causing a need for a lower interest rate. All efforts to come to a final resolution have fallen on deaf ears, i.e mediations, modifications, etc ... 
My mortgage has been through numerous banks and servicers the past twelve years. I can only imagine how many times it has been sold and resold. Carrington Mortgage Services is demanding the 12 years accrued usurious interest of 11.8 % payoff, being {$850000.00}, all the while attempting foreclosure. 
I believe my final payoff offer of {$650000.00}. Is fair and just. It would take me 60 days to expedite. 

Thank you for your kindest help in this matter. 
A prayer of blessings to all involved. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Mortgage loan # XXXX Original XXXX Loan # XXXX Original XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: Eastern Account Systems of Connecticut, Inc.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt has been paid in full with the doctors office and Eastern XXXX will not remove it from the credit reports as paid in full. I have contacted them and the doctors office has contacted them several times. It is ruining my familys life with this debt staying in my credit report purposely to hurt me. They keep saying its verified but it is not verified and not owed. It has been paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 completely inaccurate. 

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on 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 non-monetary relief
Consumer complaint received 2021-01-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Below I have copied and pasted a fraudulent text message that was sent to my phone on XX/XX/2021 at XXXX XXXX. The link provided in the text message was identical to the Chase mobile app. After clicking on the link, I answered approximately six personal questions, thinking it was my bank verifying my identity. If I'm not mistaken, I might have provided my social security number. Unfortunately, days after I received this text message I had fraudulent activities on my bank account. A portion of my money was withdrawn from an ATM in XXXX, XXXX. 


Due to unusual activity, we have temporarily locked your Chase account. Please visit : XXXX XXXX XXXX Phone number associated with text message : XXXX ( XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting 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 please remove this fraud inquiry from 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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-11
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was sent a letter from IC systems on behalf of XXXX. The letter states that I owe {$46.00} for a XXXX  Lawn Plan that I never agreed to. I've never signed a contract for or agreed to XXXX services. IC systems claim that they've previously contacted me regarding this issue, however, I have never been contacted from either IC systems or XXXX in the past. My name is spelled incorrectly on the collection notice which leads me to believe that IC systems is fraudulently attempting to collect a debt from me.

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 2023-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 I went into a fuel station and proceeded to withdrawal some money out of the ATM. After putting in my pin and the amount I needed to be disbursed which was {$60.00} with a ATM fee of {$2.00}, the machine gave an error message and did not disperse any money. However, my bank account was still charged for the funds. I have filed a claim with my bank, and sent the receipt stating no money was ever giving. It has been almost a whole month an no resolution. I just want my money back because it is rightfully mine. The bank is refusing to give me my money after they have all of the proof. This bank, Bank of America has been going down hill for years. No managers have returned any messages that have been left. I am highly upset and disappointed. I just want MY MONEY!

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-08-07
Company: Experian Information Solutions Inc.
State: IL
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:
Please remove the following inquiries from the credit report 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/2022 ) -- The following accounts violates my rights as a consumer 15 USC Code 1681B, I never gave any permission for any debt to furnish ANY information to any bureaus and it is assisanate my character as a consumer and my right to privacy violated my consumer right 15 usc code 1681A PLEASE REMOVE ALL ACCOUNTS AS THIS IS MY SECOND TIME WRITING AND I WILL BE REQUESTING A FINE OF {$1000.00} I have sent several letters to the bureaus in regards to this issue and none of the accounts has been removed.

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 2023-07-22
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: 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 name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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. 


- XXXX XXXX XXXX ( XXXX XXXX XXXX  ) Account Number - XXXX - XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Account Number - XXXX - XXXX XXXX Account number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXXXXXX XXXX - Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - XXXX XXXX XXXX Account Number - XXXX - US DEPT OF EDXXXX Account Number - 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 2023-04-12
Company: EQUIFAX, INC.
State: LA
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:
Attached you find a Validity of Debt Letter that questions just how this account is even being reported to my account not to mention the discrepancies and inaccurate reporting. Who verifed this account? I'll answer no one verified the account as it states on my attached consumer report!! I demand this account XXXX XXXX XXXX  XXXX be removed from my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not mine 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 2023-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am earnestly appealing to you to eliminate this entry from my credit report as it does not belong to me and is entirely fraudulent. I request that you take immediate action to investigate and remove this erroneous information from my credit profile.

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 2019-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
In XX/XX/2019, I contacted Capital One as I was unable to access my account and was receiving a message that my information was incorrect, yet I had not changed any of my log on info. I attempted many times to retrieve my account by using the " forgot my username/password '' option but was not getting the emails. It was then I realized that I hadn't been receiving any of my emails from Capital One but I am receiving someone else 's emails. I contacted Capital One and was informed that it was more than likely fraud so they would have to escalate the account for further review and I would receive a call back within 7-10 business days. Two weeks had passed and I had not received a call back so I contacted Capital One again as I was very concerned as I could not access my account. I was told it was still being worked on and that I should not worry about the status of my account being as though it was now past due. I called back a week later to check the status as I was very concerned as I still could not access my account and had received no information to date. I was on the phone for over four hours being transferred from one representative to the next only to be hung up on and of course no one called me back. I called back and requested a supervisor after reaching dead end after dead end with no answer as to what or why this was occurring with my account. The supervisor apologized and stated she would escalate the case again to necessary department and I would need to call in 7-10 days to check the status. I called back again as my account was now approaching the due date for  XXXX as still no access. I requested that a new card be sent out to me as I was hoping I could register a new card and gain access. I was told they could not do that as my account is past due. As of today, I have no answers other than it has been escalated. This isn't affecting Capital One, this is affecting me. My account has not been paid for XXXX and now XXXX because I have had NO HELP in assistance with gaining access to my account. I am sure I have late fees assessed to my account as well as negative credit status being reported on my credit file for something I have no control over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-04
Company: MoneyLion Inc.
State: IL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I paid the loan in full. Theres a glitch in their system that shows I have a pending payment from XX/XX/2023. That pending payment is preventing the loan account from closing. The loan was paid off on XXXX XXXX and Ive contacted them several times. They claim theres a ticket open with their dedicated team and quoted me 3-5 days for a resolution. Then another 3-5 days, and yet another 3-5 days. A supervisor told me they were going to personally work on this to get the resolution taken care of but thats been three days now. Until I close out that loan, I can not open another one with them and that is my ultimate goal and theyre preventing me from doing that

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: MoneyLion Inc.
State: KY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I requested Money lion 's {$500.00} credit builder loan in XXXX. I never received the funds. They were suppose to be in my bank by XX/XX/XXXX. As of XX/XX/XXXX, I still haven't received the money and I am paying on the loan. I have created a ticket with their dedicated team to fix this. I was told to allow 3-5 business days. I allowed XXXX weeks, called and every time its another 3-5 business days.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-07
Company: Experian Information Solutions 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:
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.

The letters are stated with items and issues.

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 explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX  Act, XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXXccount # 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

Company response to consumer: Closed with explanation