BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion will not update the exact accounts as that XXXX  has. It's fraudulent activity that Transunion is not updating all the accounts on my credit profile which are current and never late. XXXX  update score by approximately 50 petcenr.with the same accounts that on Transunion. All my accounts are exact. They are not following the law. I will Perdue legal action if necessary to be treated fairly with my credit profile being updated.

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 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$500.00}

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 non-monetary relief
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-05-16
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX I opened an online checking account with Truist. I then went into the branch to deposit {$15000.00} cash into my bank account. On XXXX my account was closed by truist with no notice or reason. I didnt find out until a week later when I tried making a payment from the account and it came back as insufficient funds. I went into the branch on XX/XX/XXXX and they informed me they had no idea why this horned but they showed my account had been blocked. They told me it would be fixed in 2-3 business days. On XX/XX/XXXX, I finally received a letter from Truist stating my account was closed and that they reserved the right to close account at their will. Today, XX/XX/XXXX I received an email from Truist saying I have a new account now opened and that it has a XXXX balance. I have no idea where my {$15000.00} is, no idea why my account was closed, they didnt fix my problem- they simply opened a new account in my name without my permission.

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 2022-01-18
Company: Consumer Portfolio Services, Inc.
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 information incorrect

Complaint:
Consumer Portfolio Services hired an attorney, XXXX XXXX XXXX, to collect on an auto loan that had a remaining balance after the car was totaled. I paid the balance as agreed almost 2 months ago. Consumer Portfolio continues to report to the bureaus that I owe a balance of {$4800.00} when the balance is paid in full ( I paid {$6500.00} via wire to their attorneys- this included a host of unfair fees as well ). 
When I called Consumer Portfolio, they are refusing to update my bureau because their attorneys that THEY hired to represent them has not sent the funds to them yet. I've spoken with 3 people at Consumer Portfolio and 1 person at XXXX XXXX XXXX. They're all saying my report will not be updated until the attorneys send the money to the client. My question is, what if their attorneys decide never to send the money or files bankruptcy? XXXX XXXX at Consumer Portfolio responded " I can't answer that ''. This is unfair and unacceptable. They are reporting incorrect information to all 3 bureaus which is impacting my ability to obtain credit. They've updated the report with the wrong info twice since receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: NY
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:
Social security number is XXXX on my equifax Credit report theirs is one negative item that's 90 days late its a fraud account I have a federal trade commission identity theft report on file please have equifax removed the one negative item that's fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
In XX/XX/XXXXI upgraded my American Express card from an XXXX card to the XXXX card. The XXXX card did not have an annual fee, and upgrading to the XXXX card had an annual fee of {$450.00}. I understood the upgrade to the annual fee, but what was offered on my American Express account webpage was that the upgrade would be free for one year. I upgraded in XX/XX/XXXX. In XX/XX/XXXX I was charged the annual fee of {$450.00} and upon further research I was no aware that they immediately charged me a prorated fee of {$180.00} in my XXXX statement. Again, I was aware of the fee to be charged annually, but was mis-informed with their advertising of free for one year. This was not disclosed properly to me the consumer and I believe is improper sales tactics with their marketing. I complained via a phone call on XX/XX/XXXX at approximately XXXX XXXX EST and the phone representative stated that the fee free for one year was for new accounts only. This was not disclosed to me properly at the time of accepting this offer as i have had an account with American Express XXXX. The offer popped up on my American Express account homepage, therefore it was known that I had been a customer of theirs and not a new customer. I would not have taken the offer if i was to immediately pay the fee, as I thought it was a good deal to have the first year free. The customer rep said if i had called in to upgrade this would have been disclosed to me properly. If this is the case then they should not allow these upgrades/new applications via the website, as they are falsely advertising the credit card and fee requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: CreditNinja Lending, LLC
State: TX
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
They approved without validation of income or proof of repayment. They never verified my income source. Im self-employed, and my business income was consistently going down. I had multiple overdraft fees in both my business and personal accounts. My credit card usage increased, and my credit score decreased drastically over the past year. I was desperate for income due to medical bills, and this is, by definition, predatory lending.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: AL
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$7600.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$21000.00} XXXX  XXXX XXXX Balance : {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-04
Company: Nelnet, Inc.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
My original student loan servicer was Nelnet. My loans were paid and XXXX took over my federal student loans in XX/XX/2023. I contacted Nelnet after checking my credit report months ago and disputed through XXXX twice now. On XX/XX/2023 and again on XX/XX/2023. On XXXX shows my total debt to be XXXX which is incorrect. Nelnet needs to submit that I no longer have any student loan balances with them which they have failed to do on both disputes to XXXX. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: EQUIFAX, INC.
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a 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 on these accounts. I am never been late in this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and delete them immediately in my report : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Please refer CFPB Case # XXXX. I was told that once i met the conditions around XXXX XXXX 2022 cash back bonus of {$350.00} will be applied. After 12 days-it 's not been done. When i sent secure email via account on XXXX XXXX 2022, i was asked to call a toll free #. Called on that # on XXXX XXXX 2022, that # stated ... to get call back within 15-30 minutes, provide your number-which i did but no response. 
whom i am XXXX Finally somebody called ( XXXX ) at around XXXX pm XXXX time onwards and after long hold/wait - I was told that they will call me tomorrow with an update. I feel like I need to keep on asking them to provide my legitimate cash back bonus until I get that.

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 2023-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit 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:
On XX/XX/, I booked a pre paid hotel reservation on XXXX for XXXX nights at the XXXX XXXX, New York. Total charge was {$2900.00} ( {$2300.00} for room + $ XXXX ) as shown on the XXXX receipt, attached. The receipt also indicated PAID IN FULL. Neither at check in nor at check out at the hotel, during my stay, was I told of any additional charges nor given a receipt for XXXX. 

I was therefore shocked to find a {$430.00} charge by the hotel on my credit card months later. I called the hotel to find out why and they said it was for taxes. I pointed out that I had prepaid taxes as shown on my receipt, and that the reservation was prepaid in full, in advance. The gentle man I spoke to promised to look into it. I also called XXXX immediately and the representative and her XXXX I spoke said there shouldnt be any additional charge as the reservation was fully paid for in advance. A month passed and yet the charge remained and so I called XXXX again and the XXXX told me to stay on the phone while she calls the hotel. She returned and told me the hotel had agreed to refund the money as there never should have been any additional charge. I asked for an email for my records, and she sent me an email indicating same - please find attached. 

I have told all of these to Bank of America but they still wont take the charge off my account and insist I pay it. 

Again, the reservation was prepaid paid in full, never did the hotel tell me I had any outstading charges when I stayed there, I never was given a receipt for any additional charges either. I am therefore disputing the total charge, {$430.00}.

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 2022-05-16
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
Good Afternoon, Truist accepted these checks without the correct endorsements,

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 2018-04-19
Company: Experian Information Solutions 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:
I have several medical bills from XXXX XXXX hospital which are in collection with XXXX XXXX XXXX. I have no medical issues, ive never been to this hospital and tjis bills are on my credit. I have dispuyed them several times along with a utility bill and several inquires on my credit that are UNAUTHORIZED by me. The credit bueraus always return the dispute VERFIED but i dont know who or where they are verifying this belongs to 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 non-monetary relief
Consumer complaint received 2022-05-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
As of XXXX I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by XXXX  data breach and may have landed into the hands of the wrong person.

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 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
As of XXXX I have sent several letters for inaccurate and unknown on credit report ( Section 611 ( a ) of the FCRA requires a CRA to conduct a reasonable reinvestigation of any item of information in a consumer 's file if the consumer alleges the item to be inaccurate within 30 days ) - Its been over 60 days and should be deleted promptly. I demand inaccurate accounts be deleted immediately or I will file litigation due to the stress of inaccurate and unknown accounts on report. My information was also compromised by XXXX  data breach and may have landed into the hands of the wrong person.

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 2022-04-22
Company: Experian Information Solutions 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 Reporting XXXX XXXX account # XXXX and # XXXX. Also XXXX. XXXX. XXXX account # XXXX and XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 

XXXX5 U.S.C. 1681 section 602 A. States I have a 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 explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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.

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 2020-06-05
Company: Vantage Sourcing, LLC
State: NY
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:
To Whom It May Concern, I wanted my XXXX  n XXXX  updated correctly idk if do to covid 19. I am an authorized user on following 3 cards which I will show pictures from XXXX  for some odd reason I been going around in circles to get my accurate credit score with this information on it. I am also on a XXXX  card that hasnt reported. I been using to help a family member get there grocery 's and improve my credit same time using it and paying off each month. Any questions or problems please call me

Company response to consumer: Untimely response