BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear sir or madam, I opened a Fifth Third bank Essential checking account on XX/XX/1919. At that time, Fifth Third bank has a checking account promotion. 

{$250.00} Cash Bonus Offer To qualify for the {$250.00} checking bonus, provide the offer code, open a new Fifth Third XXXX, XXXX, XXXX, XXXX or XXXX XXXX XXXX XXXX XXXX ** checking account by XX/XX/19, reach a {$500.00} balance within 45 days, and maintain {$500.00} as a minimum daily balance thereafter for 60 days. 

The cash bonus will be deposited into your new checking account within 10 business days of completing qualifying activity requirements. 

I have maintained over {$500.00} in my account since XX/XX/19. On XX/XX/19. I have met XXXX XXXX XXXX of {$500.00} for 60 days. 

I am supposed to receive {$250.00} bonus within 10 business days, which is XX/XX/19. Until now, XX/XX/19, I still did not receive this bonus. I have contacted Fifth Third bank many times, but no solution. 

Could you please help me to solve this issue? 


Best regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Resurgent Capital Services L.P.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sherman Originator XXXX, LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX SC XXXX RE : Account XXXX Sherman Originator XXXX  XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX LVNV Funding, and ( unsure where debt is ) vs. XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The thief ( s ) made fraudulent transactions and opened fraudulent accounts in my name with XXXX XXXX. I have been back and forth with several of XXXX XXXX  affiliates, and no one is telling the truth as to where this debt is. 

Im responding to XXXX  XXXX, Resurgent Capital Services, LVNV Fundings replies that Sherman Originator XXXX, LLC, an affiliate of all the above entities, owns this debt as of XX/XX/XXXX. I request proper validation, and I want to make a deal for the paid in full removal of this fraudulent debt as shown below so long as this debt is validated to be owned by Sherman Originator XXXX, LLC. Please note that I never opened or used this account, and I request a FAIR payment for removal. I have asked everyone where this debt is, and the last one to be named was on 6/10/2021, Sherman Originator XXXX, LLC. However, the phone number and later I found the address provided are for Resurgent Capital Services XXXX. With this in mind, Resurgent Capital Services stated that they no longer have this debt. If this debt is NOT with Sherman Originator XXXX, LLC, then who did they sell it to? I need to know to inquire further. 


Sherman Originator XXXX, LLC Please provide all records relating to the fraudulent transaction/account, including : Application records or screen prints of internet/phone applications ( I request all since I did not open this account ) Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 


If you have any questions concerning this request, please contact me at the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
[ Incorrect late payment reported -- I did not have a payment due during this time. ] My first student repayment date was not due until XXXX XXXX. I had recently graduated during this time and never received a bill with a XXXX due date. On XXXX XXXX, XXXX I received an email correspondence giving me an update on my loan, stating I will be informed to my repayment schedule 45 days prior to a begin date ( email attached ). The next email regarding my specified account was not until XXXX XXXX, XXXX ( email attached ) and an additional reminder XXXX XXXX, XXXX, letting me know my first repayment date would commence on XXXX XXXX, XXXX. I was under forbearance, still enrolled in school ( graduate program ) at this time and additionally submitted my in-school deferment paperwork which was approved ( even though my university reports automatically ). For these reasons, I had no payments due XXXX, XXXX, nor XXXX XXXX and therefore did not have payments late for these months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, my name is XXXX XXXX XXXX and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. On XX/XX/XXXX, I Certified Mailed Equifax a copy of my FTC Identity Theft Report, Cover Letter, multiple proof of Identification docs, and a copy of my social security card. They instructed me to do this in order to remove the Fraudulent Auto Loan account ( XXXX acct. ending in XXXX ) and the unauthorized and fraudulent XXXX hard inquiry from XX/XX/XXXX. Upon receiving this, they violated 15 U.S. Code 1681c2 and did not block the account within 4 business days of receiving all of my proof of claim. So I called them to follow up about 2 weeks later, they told me that I had sent them everything they needed in order to remove the fraudulent items- but because of some sort of internal process malfunction, I had them send them the same exact packet AGAIN. I was very frustrated at their lack of ethics, integrity, and sheer violation of my federal rights ( civil liability of {$1000.00} per violation ). I, nonetheless, submitted the same packet to them- both via FAX and via CERTIFIED MAIL. In between the time I talked to them and sent my new info, I also received written PROOF that states they removed my XXXX hard inquiry- yet they did not. FRAUD! The fax arrived successfully on XX/XX/XXXX ( see attached exhibits for proof of this ), and the Certified mail arrived successfully on XXXX ( see attached exhibits for proof of return receipt ). Yet again, Equifax violated me and did not reach out, or make any corrections to my consumer credit reporting statement. So I called them AGAIN last week, and was told that they did NOT receive my fax, nor did they receive my CERTIFIED MAIL... Yet I have receipts of everything that I have stated today! I am ready to take serious legal action against Equifax at this point- as I have been violated under 15 U.S. Code 1681c2, 1692k, 1681b and more. None of my consumer information is even allowed to be publically furnished by Equifax without my express written permission- which I never consented to! I AM BEING VIOLATED AS A FEDERALLY PROTECTED CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
After 25 years with the credit card I called to cancel the card prior to the renewal date and then stated my reason was the {$95.00} annual fee. I was told while they could not waive the annual fee they could offer to provided a {$95.00} credit against future ( three months ) purchases after the renewal fee was paid and purchases equal to {$95.00} were made. This was because I wa # a good long term customer. 

I agreed and now I am told after multiple inquires about that {$95.00} offer rebate that was expired in XXXX 2017 which is not the time frame I was promised. However, they always offer to investigate. 

A true bait and switch offer against a long time customer.

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 2018-01-07
Company: Experian Information Solutions Inc.
State: LA
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:
On XXXX XXXX, XXXX I opened a dispute with Experian on the alleged Bankruptcy that is being reported under my profile. On XXXX XXXX I received my results. HOW IS THIS POSSIBLE? They DID NOT INVESTIGATE the alleged account. I have enclosed the letter from the court house saying they do not report to the credit bureaus and that if they need to get the information they would have to send an employee to get this information, which they never do and DONT DO!! Therefor they are reporting INACCUARCY and damaging my name and my rights. They NEVER VALIDATE or VERIFY and send me ; the consumer PROOF!! Enclosed is the letter from the courthouse and proof of dispute and how quick they just came to this CONCLUSION!! I will be filing with the XXXX and the XXXX XXXX as well.

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 2022-01-17
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted Suntrust/ Truist Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to Suntrust/Truist by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a XXXX and I underwent hardship in my family life. Please help!

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 2022-10-04
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I saw an unauthorized hard inquiry on my Experian credit report on XXXX XX/XX/2022. I contacted Experian the same day to dispute the inquiry. After being transferred from one person to another, the final person I talked to twisted my words and tried their best to not to understand the issue, when the issue is so simple! I want to dispute an unauthorized hard inquiry. 

They asked me to reach out to the lender for questions about my application. I said I did not even apply for anything, which was why I needed to file a dispute for unauthorized credit inquiry. Then they said if I didnt apply for anything why was I calling. (? ) And their irrational arguments go on. 

The unauthorized inquiry I found out was actually someone using my info to apply for a credit card, and not a loan, with a bank, without my knowledge. The Experian person didnt even bother to look at my file. They just kept throwing words out there like what loan did you apply for, whos the lender, etc. After 20 minutes of practically yelling at me, they hung up.

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 2018-06-05
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: Information belongs to someone else

Complaint:
Someone got my information and try opening up accounts in my name and theres a lot of inquiries on my report. 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 2022-01-17
Company: Certegy Holdings, LLC
State: MN
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:
Certegy Payment Solutions and XXXX XXXX is declining my personal and payroll checks for payment and cashing at XXXX retail stores, various other retail stores, and other check cashing companies. I dont know why Certegy or XXXX XXXX is declining and not approving for my checks to be cashed or presented for payment. I want Certegy and XXXX XXXX to immediately remove all restrictions from my consumer report and start authorizing and approving my payroll and personal checks to be cashed and presented for payment at all retail stores that use Certegy Payment Solutions and 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 2021-03-24
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: Public record information inaccurate

Complaint:
I used the " Secure Message '' feature on their online system to ask XXXX to increase my line of credit on a credit card I currently hold with them. They responded with some financial questions along with telling me they would have to do a " Hard Inquiry '' to extend my line of credit. I answered their financial questions, but said I did not want a hard inquiry. They responded that it was their policy and I again said that if it would be done without a hard inquiry fine, but i specifically said no to a hard credit inquiry as it would have a negative effect on my credit score when every point was important. Then they did a hard inquiry anyway. I have since been asking them, both via lengthy and futile phone calls and many more secure message, to contact the Credit Agencies and remove that inquire. I have attached screed shots of the secure messages ( times and dates show ) along with screen shots of when they did the hard inquiry.

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 2018-06-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XX/XX/XXXX I helped my father find a credit report to check his credit score. Back then, the website was not clear that I was signing up for any recurring services. I noticed today, XX/XX/XXXX, that I had a recurring pending charge from Transunion which alerted me to investigate. I came to realize Tansuinon had been charging me {$19.00} since then, a total of 28 charges at {$19.00} totaling {$550.00}. Today I called Transunion and the first representative said he could only cancel the subscription and refund the previous month of XX/XX/XXXX. I called again and spoke to XXXX, empoyee ID # XXXX ; I explained to her the issue and advised she could verify I had no access to their portal ever since and did not have an intention to subscribe to their Credit Monitoring Service. She said she was only authorized to refun 11 payments and if I wanted more I would have to talk to a supervisor, which I did. Supervisor, XXXX # XXXX, said he understood the issue and said he can only refund half, 14 payments. He stated there was no one else above him that could help ressolve the issue further. They state that even through, indeed, I did not access their serice throgh their portal, my father still recieved credit monitoring and alerts in case of fraud. The email associating with the account was my email, and upon chekcing my inbox, spam, and junk folders, there isn't a single email from Transunion, therefore, I could not have known I was getting an unwanted service. XXXX claims emails were indeed sent. 

My online banking only allows me to search from XX/XX/XXXX onwards : XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00} XX/XX/XXXX TRANSUNION {$19.00}

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 2018-01-07
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A debt company called XXXX XXXX reported a claim to my credit report, and kept calling me repeatedly with alleged debt, I sent a letter asking for validation of the debt, which should under my rights of FDCPA include 1. The  agreement bearing my signature stating that I have agreed to assume the debt 2. Proof of statute of limitations that has not expired 3. Agreement with the creditor that authoritezed them to collect on this alleged debt and a few more, in repose to my letter to proof validation of debt this company only sent a screen shot of there computer screen which does n't included anything I asked and not does it validate the debt, they also sent me a list of states they are able to collect and my state was not one of them, I called the number provided XXXX to ask why they did n't send the proper documentation, they kept transferring me from agent to agent after about 5 transfers and no answers to my question I asked for a manager and I was denied, and I kept getting talked to in inappropriately and hangued up on. This Company needs to find ways to better assist consumers.

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 2017-07-28
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I use an app called XXXX and the app is great ... lets me borrow money and send the money into my account within seconds. The problem is TD BANK, they take forever to send XXXX my updated account balance, causing me to wait long for money. When they do update it a lot of times it 's wrong. Like it will say I have " XXXX dollars in my account. My balance has n't been {$30.00} for about 4 days now ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Contacted XXXX on XX/XX/XXXX regarding the inaccurate reporting of inquiries/Fradulent as I am a victim of the XXXX inquiry issue that re-reports old inquiries previously removed. Customer service rep declined to assist in removal of inquiries not submitted by me and disconnected the line without reason. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Account Paid in full/closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CH. XXXX BANKRUPTSY XXXX FED COURT-XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
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:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2019-05-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I asked the company to investigate the inaccuracies incorrect spelling of my name, incorrect address, which they have fail too report the accuracies of the 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 explanation