BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-21
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:
The last 23 hard inquiries are Unauthorized Credit Inquiry Identity theft Police Report # XXXX Last attempt before lawsuit. 

Dear Sir / Madam I recently obtained a copy of my credit report from XXXX, XXXX, andTransUnion. It indicated that 25 credit inquiry was made! 
However, these inquiries were not authorized and I was victim of Identity Theft Therefore, I am writing to dispute the last 23 inquiries and have it removed from my credit report IMMEDIATELY, the police department has done the investigation. 

Please have these inquiries removed from my credit report. 

Please forward any documentation that you may have in regards to the removal of these credit inquiries. 



Thank you for your prompt assistance. 

Sincerely, 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 explanation
Consumer complaint received 2022-12-28
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:
There are several inaccuracies on my credit report. 

All accounts referring to XXXX XXXX, XXXX 's XXXX 's, and XXXX XXXX are incorrect and were opened in an instance of identity threat. Please remove them immediately. 

All inquiries from the same ( XXXX XXXX, XXXX XXXX, and XXXX XXXX ), as well as XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( I don't know who this is ), XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX bank 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 2018-01-21
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collection reported on my credit report I owe them XXXX for XXXX XXXX. On XXXX XXXX, XXXX I sent certified mail disputing this debt and requesting competent evidence bearing my signature showing that I have some contractual obligation to them. 
I have not heard back from this agency. They inform the credit bureau that I disputed but no other action was taken.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
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: Credit inquiries on your report that you don't recognize

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
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 filed for bankruptcy in XX/XX/XXXX as a result Capital One charged off my credit card account in XX/XX/XXXX which is understandable. However, Capital One reported the charge off again in XX/XX/XXXX and most recently on XX/XX/XXXX. My attempts top to request that Capital One remove the additional charge of dates has been unsuccessful. Capital One refuses to acknowledge that erred in reporting multiple charge off dates for the same account. 
Note : Each additional time that Capital One has reported to the credit bureaus that my account was charged off has caused my credit score to plummet. Also, prior to filing bankruptcy, my credit account was never in arrears.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: Rocket Mortgage, LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I received an email that states : " My team is working on your refinance request, but we would like to get more info about your financial goals. '' This email gave me great pause as I have not requested a refinance and I was worried about Identity Theft. I called the number on the letter and was told this is a marketing piece. I think the piece is materially deceptive, appalling, and disgusting that it was sent by XXXX XXXX | Vice President, Mortgage Banking. Regardless if he led the marketing campaign, it is a direct reflection of poor leadership and I believe it violates UDAAP. Additionally, I tried to unsubscribe and the email did not allow. Rather I have to update my preferences, which does not provide for a simple opt-out solution. Again - disgusting. I worry about my parents or other unsuspecting individuals that don't understand their rights or even how to complete the necessary steps online.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: AR
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 hope this letter finds you well. I am writing to express my deep concern and frustration. This marks my second attempt to rectify this issue, and it is essential to address this matter promptly and effectively. 

I initially reported the fraudulent items and followed the prescribed procedures outlined by your company for reporting and removing such items. Unfortunately, despite my initial efforts and your assurances of prompt resolution, the issue persists. 

I want to stress that the persistence of these fraudulent items is causing me significant distress and financial hardship. It has also eroded my trust in Credit Bureaus, which I had previously regarded highly. As a loyal customer, I expected a higher level of service and security, which has been lacking in this situation. 

I kindly request that you take immediate and comprehensive action to investigate and rectify this matter. I expect a prompt response, detailing the specific steps your company will take to address the issue, as well as a clear timeline for the resolution process. Additionally, I urge you to strengthen your security measures to prevent such incidents from happening in the future. 

If my concerns are not addressed satisfactorily and promptly, I may have no choice but to escalate this matter further, which may involve seeking legal remedies and notifying relevant authorities about the fraudulent activities associated. Please assist me to removed the following fraudulent items in my Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXXXXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : {$480.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Balance XXXX {$480.00} XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} 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 explanation
Consumer complaint received 2022-03-15
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I purchases concert tickets from someone over the internet. I sent them the money and they sent me the tickets. I go to the concert only to find out that the concert was cancelled. I sent then the money through the app zelle. I have tried constantly contacting the person back for the XXXX dollars i have sent them to be sent back and they never respond but are still active on the social media i connected with them through. I contacted zelle services and they said there was nothing they can do. Same thing with my bank ( XXXX XXXX ) The person I purchases the tickets from gets a refund from the concert company, so this person has just taken my money and also received money back for their purchase from the company themselves.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now

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 2023-11-18
Company: WELLS FARGO & COMPANY
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I, XXXX XXXX and my XXXX XXXX XXXX XXXX has been doing business with XXXX XXXX XXXX for over twenty years. An email from the owner ( XXXX XXXX ) stated in an email that the company had changed the receivable procedures and requested that I send a wire transfer for the balance of {$21000.00} owning on the XXXX XXXX. I had obtained a XXXX XXXX XXXX to satisfy this payment because the client still had not paid their receivable to me. 
The request was a follows : Beneficiary Name ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX Wells Fargo Bank, XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX Routing Number XXXX Account Number XXXX The wire was sent on XXXX from XXXX Wells Fargo XXXX XXXX XXXX to the Wells Fargo bank listed above : Amount {$20000.00} Fees {$25.00} Send on XX/XX/XXXX Deliver by XX/XX/XXXX Message to recipients bank : XXXX XXXX dollar wire transfer fee deducted from total due Status Pending Confirmation : XXXX On XX/XX/XXXX, I called XXXX XXXX XXXX enquire receipt of the funds. He never got them because the email was fraud : XXXX. There was an extra T in his email address. This was a compromised email address. 
There are the following reports filed : XXXX, Police report XXXX REPORT : XXXX The FBI ARE ALSO NOW INVOLVED WITH THIS Wells Fargo has XXXXdvised that my funds were taken by a mule monier, and the wells fargo bank could obtain a refund of the {$20000.00} from the beneficiary bank. 

MY COMPLAINT IS THAT THIS WIRE WAS FROM A WELLS FARGO ACCOUNT TO A WELLS FARGO FRAUD ACCOUNT, AND WELLS FARGO SHOULD HAVE CAUGHT IT! 
XXXX XXXX XXXX  OPERATES THEIR BUSINESS FROM A WELLS FARGO ACCOUNT. 

THE Wells Fargo BANK HAS INSURANCE FOR THIS, AND I AS A CUSTOMER FOR 30 YEARS, WAS NOT REIMBURSED FOR SOMETHING THEY SHOULD HAVE CAUGHT.

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 2022-03-15
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a used vehicle in XX/XX/2019 at an asking price of XXXX. My initial down payment was XXXX cash and my rate of interest is 21.9 % I have payed a total of XXXX on this loan and my current balance is XXXX approximately. I have recently noticed on my billing statement that the interest amount being deducted from the monthly payment is higher than 21 % which takes away from the principle. My statement show that they're taking upwards of XXXX $ out of a XXXX $ monthly payment and even at 25 % interest this should be no more than XXXX $ from XXXX $ this is simple mathmatics. The company is Veros Credit XXXX and this has been occuring since XXXX of 2019 when this vehicle was purchased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Figure Technologies, Inc
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I accepted a {$22000.00} HELOC with Figure Lending. They sold my loan in XX/XX/2022 them continued accepting my payments. In XXXX a payment was missed and I was sent an application to modify my loan via XXXX. I filled out and returned the application XXXX times. Figure Lending said I didn't sign it which is impossible because XXXX won't complete the document without a signature. Then suddenly my loan was sold again but this time I didn't get any notice. But even after, Figure Lending continued billing me. I still have an open account with figure lending somehow. I'm still receiving monthly statements from them and XXXX XXXX XXXX XXXX which is the first company my loan was sold to in XXXX. This has been stressful and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Was solicited by citizens bank to open a checking and savings account. Finally did this early XXXX with help from a teller. And with the promise of a {$600.00} signup bonus. This is the first sign they weren't willing to pay this because the monies should have been in my account by XXXX according to their own schedule on their paperwork. They weren't. So late XXXX I contacted them and was told they would send something to the marketing department. Finally by XXXX is when they deposited {$300.00} into my checking account. I inquired about the other {$300.00} and was told it was because I had done the checking account deposit requirement in 2 increments. I pointed out to that no where in their own paperwork Does it say it has to be in one deposit. I have contacted the CEO as well as the CEO of marketing. I haven't heard back from either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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

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 2019-05-20
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/19 I applied on-line for quicken loan FHA Refinance. As today we still do NOT have a closing date scheduled. 

They have been saying that for the last 60 days that we close in 3 to 5 business days. But quicken never sets a closing date!!! 

I have spent more {$17000.00} on repairs, fees, and pay downs and I have No new loan????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
On XX/XX/23 I sent a letter To CAP ONE AUTO XXXX XXXX XXXX XXXX, TX XXXX requesting XXXX. Documentation verifying the legitimacy of the charge-off, including details of the original debt and any supporting records. 
XXXX. Proof of any communication or attempts to collect the debt. 
XXXX. Any agreements, contracts, or terms related to the account. 

I have not received any validation of the account. Instead I received voicemails, text messages, and emails regarding a balance on the acct ending in XXXX. 

Please see attached documents

Company response to consumer: Closed with explanation