BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) I FERVENTLY DEMAND for my credit report to reflect ONLY MY TRUE and ACCURATE information in accordance to the law. I would like to put in record the following : 1. My LEGAL name is : XXXX XXXX XXXX XXXX. 
Please remove all other name variations immediately as they are not legally accurate. Names such as, Also Known as ( AKAs ) Names, Alias Names, or My Middle Name are erroneous and not suitable for legally binding contracts or credit accounts ). 

2. My Current Address is ( XXXX XXXX XXXX XXXX, LA XXXX ) Please remove all Inaccurate addresses immediately as they are unlawful 3. I demand you to DELETE my Social Security number with the last 4 digits : ( XXXX ) as it unlawful to be shown on my file :. Please remove all other social security numbers immediately as they are unlawful. 

In accordance to the law, I DEMAND for your institution to DELETE AND CORRECT the disputed information stated above. Thirty days should be enough for you conclude this procedure. The law also requires you to send me a notification that the items stated above have been deleted and corrected. 

REMOVE ANY ACCOUNTS AND INQUIRIES NOT ATTACHED TO MY LEGAL NAME AND ADDRESS AS PER LAW

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion is reporting a collection on my report which is not mine and nothing to do with me. the collection name is XXXXXXXX XXXX  and it says that I have a balance with XXXX. I never ever ever in my life had an account with XXXX or did any business with you. I have been with XXXX XXXX XXXX for years now. I have no idea what this is but definitely not my account and transunion is reporting this unlafully without obtaining the required documents and verification that they need to follow. 

I have sent them a letter in regards to this and also asked that they provide me with any contract between me and XXXX that has my name and signature but they have failed to provide me with that proof. 

they are illegally reporting this collection account to my report without the proper and verification that they need to do to verify that this account is actually mine. 

I never ever had a XXXX account. this collection is very damaging to me and is illegal.

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 2022-09-21
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair credit reporting act XXXX XXXX  XXXX violated my rights 15 u.s.c. 1681 section 602 a .states i have the right to privacy 115 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. 166 b a creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for any reason

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 2022-01-25
Company: Rocket Mortgage, LLC
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Rocket Mortgage did a credit check on me in XX/XX/XXXX and today XX/XX/XXXX when I asked for a copy from the lend " he stated I'm unable to supply that information and then transferred me to personal relations department ''. The next person told I could not receive a copy due to the company Rocket mortgage used to pull my report and that I could purchase one myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: Uetsa Tsakits, Inc. d/b/a MaxLend
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The loan was for XXXX. They are charging XXXX XXXX  interest and debit my checking account {$320.00} every XXXX weeks until XX/XX/2023. I was under the impression this was XXXX  a month and didnt know the interest was so high! This is definitely predatory lending.

Company response to consumer: Untimely response
Consumer complaint received 2022-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX Acct # XXXX, # XXXX, # XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct XXXX XXXX, XXXX, XXXX  XXXX Acct # XXXX, XXXX XXXX  Acct XXXX XXXX, XXXX XXXX Acct XXXX XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX  XXXX Acct XXXX 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 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 2020-01-03
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is specific to US Bank in XXXX WA XXXX XXXX XXXX XXXX and directed at not providing deposit slips to customers. On XX/XX/2019 I went to this branch to deposit money from another personal account I have. There were no deposit slips so I asked did you know you were out. I was told by the banker we do not use these any more. Since we do not have access to copies of the deposits made I asked if this process was going to allow that. The manager told me know. I said I will not deposit without a deposit slip so I can confirm where the deposit came from. I document on the deposit slip where it comes from and type of deposit, which at times the back office has redacted so it does not show on the slip when viewed on line. I was allowed to use a slip by the teller as she had some left. But then later that day I received another check that I deposited at another branch in XXXX XXXX WA where deposit slips were available. When I got to the teller I mentioned I was surprised as I had just been informed the XXXX branch was no longer using deposit slips. He looked at me in amazement as he could not believe what he was hearing. Something is very wrong when a bank does not want you to use deposit slips and demonstrate what where and how the transaction was completed. My address was changed by an employee also without my or the other account holder on the account. Address was bogus.

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 2019-11-15
Company: PNC Bank N.A.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I am a co-signer on an auto-loan that is through PNC bank. If the loan is one day late they will start calling and harassing for payment. The loan is not even 15 days late this month and they have called 3 times this month before XXXX XXXX. They called today and the payment is processing in their system. I live on the west coast and the individual responsible for paying lives on the east. They have called me Saturday XX/XX/XXXX at XXXX XXXX, Tuesday XX/XX/XXXX at XXXX XXXX, and Friday XX/XX/XXXX at XXXX XXXX. Numerous times I have told them I live on the west coast and gave them my address. We have even had them change the primary contact to the individual who makes the payments in Florida and it never sticks in there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I was recently scammed by making a transfer through XXXX  inside my Capital One banking app. The scammer hacked in to my friends social page ( XXXX ) persuade me & induced me making the transfer. they promised to returned the money if the investment service if needed, but then it was a scammed. I never got what i was promised for also can't get my money back, I called the bank immediately about this and disputed. The bank denied and wasn't able to look into the situation for me. I believe there's a law Regulation E that was suppose to help & protect my situation, please let me know what can i do. The mount was XXXX which is a big number for me Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
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:
XXXX XXXX XXXX INQUIRY-XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY- XXXXXXXX XXXX  XXXX XXXX XXXX : INQUIRY- XX/XX/ XXXX XXXX : INQUIRY- XXXX XXXX XXXX XXXX XXXXXXXX XXXX : INQUIRY- XXXXXXXX XXXX XXXX I did not authorize any of these inquiries ive been a victim of identity theft and its putting a hold on life, ive contacted each merchant to only get no response. So Remove these fraud items from my report immediately.

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 2022-01-25
Company: EQUIFAX, INC.
State: TX
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:
After multiple attempts at correcting information held by Equifax about my financial account, they return the dispute within 24 hours telling me that all information is validated. They tell me to make a fraud report to the police, but I believe they simply have the wrong information on my file. 

I have attempted all the options they provide, and even called in to there call Center. With the online disputes, they reply very quickly- all information is correct, however with written disputes, i do not receive any response. When calling in, they claim they can not verify my information and as such can not help on the phone. 

I do not know how to correct the information, and they offer no assistance in completing this any other way. This is a form of bullying - I am at the mercy of these companies and the companies they list. 

I have just gotten off the phone to them again, where after using the cell link they sent to verify myself, they claim it wasnt possible according to their system, when they asked questions about accounts, specifically minimum payment amounts or other variable information, they also claim i was not successfully verified and then said to send identification- which they have on file already, having provided it to them for earlier attempts at correction of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I sent my servicer a QWR only to have them disqualify it as a QWR. Qualified Written Request, No matter the title I still have a right to get my answers, in the proper format, the questions were only about my loan pertaining to my home, I did not ask any other questions that they couldn't answer. As part of the qwr I asked for a " certified " copy of the note, assignments and deed of trust, they didn't even follow those simple request, nor answer the questions at hand. I believe the reason is they don't possess those documents sense they are not in the capcity they claim to be, none of the documents that they may have are ligitamate the assignments are incrrect, the notary dates are not the same, when recorded at the county recorders there is no book # or page # its recorded book XXXX XXXX XXXX that is incorrect, there is an assignment from XXXX XXXX XXXX XXXX XXXX  which I don't see how it can be valid the original lender had went out of business months before the date of the assignment, so how can XXXX  be a nominee for some one that no longer exist? At the time of XXXX XXXX XXXX XXXX raid by the FBI those loans should of been re-written and not sold in bulk, qll in all I am quite sure that Carrington Mortgage services does not own my loan as they say they do and I have the right to get answers from my letter that was sent to them and they should follow the criteria set forth in the letter, anyone can forge XXXX digital copy of documents. I have attached what I could the other docs exceed the XXXX mbs limit, they ae available

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: Capital Alliance Financial, LLC
State: SC
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 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 a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI
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: Overcharged for something you did purchase with the card

Complaint:
I was charged {$200.00} from XXXX XXXX XXXX on XX/XX/21, my proof of purchase from XXXX XXXX XXXX shows a charge of {$120.00}. The difference is {$87.00}. I was also charged from the merchant {$36.00} for gas. The merchant credited the over charge that was paid in cash for {$36.00} to the credit card on file. Capital One on XX/XX/21 takes it upon themselves with all this documents provided to charge me back {$36.00} despite having all these documents in there lap. I am asking Capital One to credit my card {$36.00} for the error. I called customer service, and the dispute center is in another country and they do not understand math.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX XXXX - XX/XX/2023 - {$68.00} XXXX XXXX XXXX - XX/XX/2023 - {$900.00} XXXX XXXX XXXX - XX/XX/2023 - {$460.00} XXXX XXXX XXXX XXXX - XX/XX/2023 - {$290.00} On XX/XX/2023 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response, yet I feel like Im being take advantage of and ignoredonmydisputes.

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 2022-12-10
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
After three years of XXXX and many problem merchants, I have reconciled my statements and confused with constant rebilling ( original transaction ) along with Purchase adjustment ( Credit for transaction ) I sent XXXX packages thru XXXX XXXX to XXXX, my luck all three packages lost and I asked XXXX XXXX Capital One for delivery receipts and I have NOT received any documentation to date of lost packages or acceptance by XXXX XX/XX/XXXX Statement XX/XX/XXXX Purchase Adjustment ( airline tickets ) ( {$200.00} ) XX/XX/XXXX Transaction Rebill XXXX I read this to mean no credit for this purchase XX/XX/XXXX Statement XX/XX/XXXX {$29.00} XX/XX/XXXX Transaction Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$29.00} ) XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX Statement XX/XX/XXXX XX/XX/XXXX ( {$28.00} ) Thus it appears there was not a credit for both {$29.00} and {$28.00} (! ) XX/XX/XXXX Statement XX/XX/XXXX XX/XX/XXXX {$85.00} ( XXXX XXXX package sent ) XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) Thus above transaction was paid and no credit given as requested XX/XX/XXXX Statement Trans Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$64.00} ) XXXX Statement XXXX XX/XX/XXXX XX/XX/XXXX {$64.00} XX/XX/XXXX XX/XX/XXXX ( {$64.00} ) The above clearly shows a credit of {$64.00} XXXX Statement XXXX Trans Date Post Date XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) XX/XX/XXXX XX/XX/XXXX {$85.00} XXXX Statement XXXX XX/XX/XXXX XX/XX/XXXX ( {$85.00} ) The above clearly shows a credit of {$85.00} Please clearly explain the process of rebill ( original transaction purchase (? ) ) and Purchase Adjustment ( credit? ) Why the many rebills which is very confusing and adding vagueness to understanding the monthly statements.

I hope afeter three years of COVID we can resolve all this and move on

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-25
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
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:
Was contacted by fraud department at first bank card about purchasing on my credit card. These charges were made in XXXX XXXX Nev and I live in XXXX TN Was also told my information was change and additional personal was added Credit card company had me to prove my idenity and cancel credit card and in processing of sending new card Was told to file this 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 monetary relief
Consumer complaint received 2019-07-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested validation made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. It should bear my signature showing that I have some contractual obligation to pay these companies. To my dismay, credit bureaus did not provide evidence. CFPB step up and delete ALTERNATIVE XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX   CREDITOR ( ORIG CREDITOR : XXXX XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX ), XXXX XXXX, XXXX XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: EOS Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a copy of my credit report and noticed that I had a collection account that does not belong to me. This account is not valid and should be removed from my credit report. I have disputed this account with the collection agency in XX/XX/2020 and they have not validated the account. This account is with EOS CCA in the amount of {$990.00}. I need to have this removed from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: GA
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 Accounts has violated my rights : XXXX ). XXXX XXXX Bank ( XXXX ) Account # XXXX XXXX ). XXXX Bank ( XXXX ) Account # XXXX Rights Violations : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : 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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Under 15 U.S.C 1681c. 

From early this year to present date of XXXX Companies from Trans Union, XXXX and TransUnion. Have published my personal debt without authorization and would like for them to be deleted immediately. These are grounds for discrimination against me and scope of investigation without my consent.

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