BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Sent letters multiple times to Transunion to remove these Hard inquiries and they will not comply. 

XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  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 explanation
Consumer complaint received 2022-04-26
Company: Experian Information Solutions 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:
I am very upset and stressed right now, I recently checked my credit report and there is an account that doesn't belong to me and it is residing in my credit for quite so long already. I sent letters to the respective bureau about it last XX/XX/2022 but haven't receive anything in response. I felt I was being ignored and taken advantage, so I checked everything in order for me to address my concern and according to FCRA 611 ( 15 U.S.C. 1681I ) ( A ) - the investigation is just for 30 days only and the extension is for more than 15 days additional only, beyond those it gives the reason to immediately remove those items from my credit file. IT WAS MORE THAN 45 DAYS HAVE PASSED AND NOTHING CAME TO MY MAIL, EMAIL AND EVEN PHONE. THIS IS RIDICULOUS. THIS HAS TO BE STOPED.

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 2017-09-30
Company: PROSPERITY BANCSHARES, INC.
State: OK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XXXX XXXX, I made a withdraw from prosperity Bank for a little over XXXX dollars I believe. After my withdrawal I received my account Balance with a lower balance. Which was ok. I was expecting another direct deposit that day from my second employment. On Sunday XXXX XXXX XXXX, my Balance reflected as a little over XXXX dollars. I went ahead and did some transactions. Mid Monday XXXX XXXX my account was negative. I was confused and frustrated. I have paid so much money in fees especially overdraft fees with prosperity Bank. The bankers are not helpful and can never answer questions. I always have issues logging online to view my account so I can better manage it. I am always calling customer service with no successful results. I keep paying fees that could be avoided if only I can get help. Its frustrating and I think this Bank is not trustworthy. This is why the cfpb was created for banks like this. Do n't open an account with prosperity Bank.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2022-08-05
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 Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account 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 2022-04-26
Company: T.S. Holdings
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company runs an apartment complex called XXXX XXXX in XXXX  XXXX, Oklahoma. In XX/XX/2021, we completed our month-to-month lease with the proper 30 notice. We left because the apartment had become uninhabitable. There was no air conditioning when it was over 94 degrees outside. Roaches, vermin, wasps, raw sewage leaks, and an abandoned apartment below us was being used by homeless vagrants regularly. Gunshots were fired every night. We gave them a 30-day notice even though we didn't have to due to the living conditions. In any other state, they would be considered a XXXX. They now put a collection account on my credit without properly informing me of my right to dispute this claim. I have plenty of video and picture evidence to show they are in fact a XXXX  and were making us live in unsafe conditions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is ( XXXX XXXX ) and I am filing this complaint about falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-30
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I made a purchase on Victoria 's Secret credit card back between XXXX XXXX. I returned the item which should have taken the charge off of my account and brought the balance to {$0.00}. Instead I started receiving calls that I owe {$25.00}. I explained that I returned the item and stopped receiving calls for a while. Then I started receiving repeated calls and texts to my cell phone from condemnity bank several times a day, repeatedly. Finally my attorney sent a letter asking for the calls and texts to stop. They stopped for a little while but shortly started again. They call back to back from cell phone to house phone. They send several letter in a loud pink envelope saying I owe over {$100.00}. A large increase from the {$25.00} dollars that they wrongfully accused me of previously. 

I also received several different threatening voicemails. They often call from anonymous or unknown numbers. ( See attached )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: Real Time Group, Inc.
State: NV
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received your letter today. In your response to my previous email you agreed that you will provide the requested information but now you are saying that XXXX has already provided the requested information. THIS IS INACCURATE and I DEMAND THAT UNDER RESPA ACT YOU PROVIDE ME UPTODATE INFORMATION FROM THE LOAN ORIGINATION up until TO DATE AND ANY MISSING INFIRMATION IN BETWEEN TIME PERIOD. 

I am again asking the following questions : 1. How did you arrive at the accrual balance of {$34000.00} on XX/XX/XXXX? 

2. What made you decide to start to present the accrual history spreadsheet from this date of XX/XX/XXXX until charge off date of XX/XX/XXXX? 

3. I would request that I be presented accrual history spreadsheet from XX/XX/XXXX ( my loan origination date ) through XX/XX/XXXX so I can reconcile the amount you are showing as accrual balance {$34000.00}. This will also show me how my payments from XX/XX/XXXX through XX/XX/XXXX in the amount of {$96000.00} was applied to arrive at accrual balance of {$34000.00} on XX/XX/XXXX. 

4. XXXX spreadsheet sheet XX/XX/XXXX through XX/XX/XXXX that you provided to me does NOT show the accrual history. 


5. In your letter of XX/XX/XXXX you mentioned that payoff balance as of XX/XX/XXXX was {$470000.00}. This included XXXX principal balance + {$160000.00} interest + {$11000.00} in fees. This would remain same and will not change in future. 

6.On XX/XX/XXXX I received XXXX letter saying amount due {$340000.00}. Can you please explain this amount due terminology? 


My questions pertain to RESPA request and a complete analysis must be given to the request made. I am copying this email to HUD Counselor who is authorized on my account to resolve the issues and has participated in the conference calls previously to settle this account. 

thank you. 


XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 2019-08-08
Company: EQUIFAX, INC.
State: NY
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 previously notified you that I am a victim of identity theft, and requested that you do the following : REMOVE the unauthorized accounts and Remove any UNAUTHORIZED INQUIRIES, and Take steps to remove ALL information about these accounts from my credit files. 
I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible. 
I also have enclosed a copy of the FTC 's Notice to Furnishers, which explains your responsibilities when reporting information as a CRA. Please stop reporting this fraudulent information, investigate this matter, and delete any disputed items as soon as possible. 
Please send me a letter explaining your findings and actions. 

INQUIRY 'S State Farm B Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Department & Variety Stores XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX XXXX Inquiry from XX/XX/XXXX Accounts - XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
XXXX XXXX card claimed they would give me a XXXX welcome bonus after I spent {$4000.00} in 3 months. I have already completed it in XXXX and have n't received their rewards up to now. I made several calls to their customer service, but still no updates, which they promised would give me a feedback on XXXX XXXX. I made another call today, they say they can do nothing to help and do not want to give me a timeframe of when they can fix it. I do n't think they really want to pay the rewards. If they do n't give the deadline, they can even pay it after 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I bought a new vehicle and the following day removed the warranty in the amount of {$8000.00}, XXXX XXXX sent out a check to Truist with all of my information, Truist then deposited the {$8000.00} to an account that wasnt mine on XX/XX/2022, I had to contact XXXX to make sure they sent the check which is when they stated it was sent and cashed by the bank on XX/XX/2022. I called Truist bank XXXX times from XXXX ( today ) and they still have no removed my money from the account they placed it in into my account to apply toward my loan, Truist fraud department has stated they were unable to reverse the {$8000.00} check that clearly wasnt supposed to go into someone elses 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
Consumer complaint received 2017-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have repeatedly stated that I have been a victim of fraud. I sent copies of my ID info ( ss #, Birthday, and Drivers License, etc. ) requested that the credit reporting agency remove the various unauthorized inquiries and even a couple of accounts that I did not secure from my report. They have simply asked that I contact the original inquirer and ask them to remove. A a citizen I have the right to have only accurate credit reporting.
XXXX XXXX XXXX XXXX - XXXX ( continued to report this account as mine when it is not. I contacted Better Business and they reached out to XXXX and XXXX XXXX contacted credit agency to delete, but the account contiues to show up on my reports ) XXXX XXXX XXXX - XXXX ; XXXX ; XXXX ( These accounts are all inaccurate and I sent copies of my ID info to Credit Agency to delete these three account. three weeks later they just tell me that they have all been verified. It 's impossible to verify false accounts. I do not own a XXXX XXXX XXXX nor have had THREE XXXX in the past year. The credit agencies are not giving my accounts the attention needed since I have filed ID theft claims.
<P/>
Inquiries : XX/XX/XXXX - XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX ; XX/XX/XXXX- XXXX  XXXX XXXX XXXX ; XX/XX/XXXX- XXXX XXXX ; XX/XX/XXXX- XXXX  ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX ; XX/XX/XXXX XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX ; XX/XX/XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX-XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX  ;XX/XX/XXXX XXXX ;XX/XX/XXXX - XXXX XXXX ; XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX- XX/XX/XXXX ; XXXX XXXX XXXX & XX/XX/XXXX; XXXX - XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ; XXXX XXXX -XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX - XX/XX/XXXX ; XXXX XXXX XXXX - XX/XX/XXXX ( this bank called me and I told them I did not authorize and they still have this inquiry on my credit ) ; XXXX - XX/XX/XXXX XXXX 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 explanation
Consumer complaint received 2017-09-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
5/3 recently updated their site to a different format. They removed the section that shows the minimum payment due, most recent payment amount/date, and whether or not this amount has been satisfied with any recent payments. 

This is making it very difficult for me to determine whether or not my recent payment ( s ) have satisfied the minimum payment due and whether or not I might be late on a payment. This has led me to call 5/3 for the past 2 cycles ( once on XX/XX/XXXX at XXXX XXXX and again on XX/XX/XXXX at XXXX XXXX ) and voice this concern. Nothing has been done. 

On XX/XX/XXXX @ approx. XXXX XXXX EDT, 5/3 stated that they will not record my complaint, only forward an email to their Innovation Team. I requested that they escalate the matter, research and resolve it, then re-contact me. This request was denied. 

The agent on XX/XX/XXXX also told me to add my checking account information onto the 5/3 site in the " Make a Payment '' section, stating that this would let me see what I was requesting. In my opinion, it should not be this difficult or obscure to get payment information. Secondly, I prefer to pay this credit card the same way I pay my others : through my personal checking accounts ' online banking. I do n't want to input my account information onto another website. 5/3 telling me that they need non-5/3 payment information just to tell me if I have a payment due, seems ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-30
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Credit inquiries on your report that you don't recognize

Complaint:
Every month for the last XXXX years Portfolio Recovery Assoc. has ran an Account Review inquiry { s } on my XXXX  and XXXX credit report. I do n't have an account with them, and even if I did - the XXXX year negative reporting time window would have towed. For example XXXX XXXX, XXXX Portfolio ran an AR on my XXXX report. There were two ran on my XXXX report in XX/XX/XXXX. Plus the phone calls need to stop. It is like they are waiting for me to make a large purchase or something. Please help! 

Portfolio Recovery Assoc. 
XXXX XXXX XXXX. 
XXXX, VA XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: NC
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:
Inaccurate and fraudulent accounts reported from my credit report. Contacted debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. Therefore, you are reporting misleading false accounts. The following accounts were Unknown - XXXX and XXXX XXXX XXXX - XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I lived in XXXX XXXX at the time of the debt. date of service on these accounts were from XXXX, XXXX, XXXX at the XXXX XXXX XXXX XXXX XXXX. I paid these accounts over a period of time with one of the XXXX  accountants. I made monthly payments until it was paid off. Now last week a financial institution posted those old depts on my credit report. I don't have my receipts as it was so long ago and i have moved 4 times since then. My credit score tanked because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
Company: Experian Information Solutions Inc.
State: CT
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$16000.00}

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 2021-05-19
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 recently check my credit report and notice that my personal information was reporting inaccurate and on XX/XX/2021, i wrote all 3 CRAs ( XXXX, XXXX, AND EXPERIAN ) and requested that correct the information because it could lead to identity theft if left unattended. I have attached copies below for my record as well and it need to be updated as soon as possible.

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