BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-24
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:
I filed a complaint with CFPB after discovering that I was a victim of credit fraud when I realized the incorrect data on my credit report which consisted of fraudulent accounts, charges and inquiries and as a resulted lowered my credit score so low that Im not able to get credit with anyone or a loan. My credit report shows that I have eight closed accounts and some which have a higher balance than the credit limit and 4 student loans that are bring deferred and arent late. All this fraudulent or incorrect information is causing my credit to suffer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hey, my name is " XXXX XXXX XXXX '', I have noticed that I have had collections and inquires on my consumer report that does not belong to me. It has impacted me deeply and has hurtled me. The consumer report agencies have validated the consumer laws that was passed by congress. 15 U.S Code 1681. Meaning that they never received my consent on a hardcopy. Giving them permission to furnish on my consumer report. 15 U.S Code 1681 C-2 " blockage of information ''. This consumer law gives me the authority to tell the information that I wish to be requested to be deleted on my consumer report. And it must happen within 4 business days. Due to me filing my FCT Report. This law states that if you file a police report through the FCT, it must be removed.

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 2021-03-06
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Us bank is not accepting fraud reports. I have to accept activation before speaking with anyone. Us bank opened an account open my name, fraudulently reported, without my consent. I have credit freeze in place, which usbank apparently ignored,

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 2018-01-05
Company: Omega RMS, LLC
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A collection agency is reporting the incorrect " placed for collection '' date on my credit report for an account that is also past the 7 year reporting time frame. Also known as re-aging. The placed for collection date -XX/XX/XXXX, is actually the date the collection agency purchased the account from the original creditor. The account last payment was XX/XX/XXXX per the installment contract from the original creditor. According to FCRA Section 605, this account would have gone into collection/charge off on XX/XX/XXXX -180 days with no payment ; remained on my credit report for 7 years then removed from my credit report by XX/XX/XXXX. I have submitted certified letters to the collection agency, credit bureau and original creditor but the account is still on my credit report and with the incorrect date. 

The FCRA says that collection accounts must be deleted from your credit report 7 years from the date of first delinquency on the original account. The date of first delinquency is 180 days from the date of your very last payment to the original creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 non-monetary relief
Consumer complaint received 2021-02-01
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A bonus not paid as promised by Citibank priority bonus savings and checking account signups offer : Under the promotion number Promo. XXXX I opened an account on XX/XX/XXXX, checking account ending XXXX/savings account ending XXXX. I have screenshots of the promotion at the time of the offer that promised a {$700.00} bonus after 60 days of fulfilling their deposit amounts, and for some unknown reason they add another 90 days to make sure those requirements were followed, I guess. But you don't get your bonus for at least five months. After the 5 months, the bonus still has not been paid. 

I opened the account on XX/XX/XXXX and didn't deposit anything at that time. On XX/XX/XXXX, I deposited {$500.00} to XXXX ( Citi waited a full 2 weeks before crediting it to my account. ) {$50000.00} was deposited into the savings account on XX/XX/XXXX. The hard copy signature Card was received and recorded by them on XX/XX/XXXX. The end of XXXX statement recorded the account had a total balance of {$50000.00} On XX/XX/XXXX the ACH test deposits were recorded. 
On XX/XX/XXXX, I deposited the {$50000.00} for a total balance of {$50000.00}. 

I called on XXXX and inquired about the 90-day bonus payment and was informed I would have to wait until after XX/XX/XXXX, to see the promotion bonus deposited in my account. Customer service confirmed my promotion code at that time. 

Called again on XX/XX/XXXX and " promo code not found. '' " Customer service acknowledged that she saw the record from XX/XX/XXXX and sees the promotion code from that conversation, " but it will not currently populate ''. This means that she can no longer verify that I am qualified to get the {$700.00} promotion bonus on the {$50000.00} deposit made in XXXX. She asked if I wanted to start a dispute. 

I opened a dispute. She gathered all my data and confirmed that I had screenshots of the terms of the bonus by requiring me to read every paragraph of every page. As I read, I confirmed that I conformed with every element of that offer. 
Dispute reference number services request XXXX I also asked for a physical address to send a paper copy of screenshots of the terms of the promotion and other documentation including statements : XXXX XXXX exec response unit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX I was told I would hear from them by the end of last week and I did not. 

This is an years long pattern with Citibank. One web search revealed dozens of years old complaints about Citi Bank not honoring it's promotions. Most say it takes a complaint with your office to get a resolution. I find it suspicious that they can confirm my promotions code in XXXX, but it no longer exists in XXXX when the payment is due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 for 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 2023-02-24
Company: Experian Information Solutions Inc.
State: ME
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:
XXXX XXXX XXXXXXXX removed autopay from my credit card causing me to miss a {$15.00} payment, dropping my credit score XXXX points. I have been successful in getting the interest charges removed, but was told my request to remove the credit mark was not approved. After countless calls with XXXX, their explanation was that they technically sent an email to say that autopay had been removed and that I should have been on top of it. On XX/XX/XXXX they did email me to say my autopay accounts had been removed, but I didn't see it in a sea of daily spam from XXXX. I should also add that I had a scheduled payment for XX/XX/XXXX from the account that was terminated, which would have given me only 3 days to add a new payment amount and pay my bill. XXXX did not email me to say my bill had not been paid once the deadline was missed. 

I have never been late on a credit card payment in my life. I pay my bill in full every month. I only keep my XXXX account open because it's my longest standing credit card. I believe XXXX is intentionally making bill pay difficult for people in order to charge interest and ruin credit. While I could have avoided this if I had immaculate monitoring around my account, I assumed that such a basic feature would be no problem for a large bank like XXXX, but I incorrectly assumed their motive is to provide a positive experience for their customers rather than fraudulently manipulate them. 

I argue that XXXX shouldn't be removing autopay from accounts, and in my case should be forced to withdraw the late credit mark on my name.

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 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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, XXXX XXXX XXXX, am a Louisiana Resident and have been impacted by the Louisiana Data Breach, resulting in me being a victim of identity theft. After reviewing my credit report, I noticed several inquiries I have no knowledge of ; please remove these inquiries. I do not have an account with any of these companies. I have attached my FTC report that outlines ( eight inquiries ). I have been monitoring my credit for accuracy. TransUnion must report accurate information, which they need to.

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: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
This is about the exorbitant fees banks in general charge when you haven't enough money in your account to pay. Truist bank now charges {$36.00}. Each time. Its a policy banks came up with ... Truist will charge me {$36.00} whether they refuse to pay it out or do pay it. We are charged regardless. There's no way to get out of this fee if my funds are low so it keeps going and adding up... then they charge you again if you still don't have funds after seven days. Its an ethical thing. Banks do nothing for me ... .I get no interest any more and they use my money to invest ... What do I get in return??? A fee that they set so they the bank the board make more money off the back of in my case a XXXX XXXX. They are ROBBERS. They lose nothing but they to gain at my expense. 
We have to be protected.

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 2021-12-16
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a part of the group where where SLS took my house in 2014. I was distraught when I was paying my mortgage as suscribes in my contract and i received absolutely no help from them. SLS had me running around providing documentation to keep my house when they were already in the foreclosing process. They provided me with false hopes and information. My loan initially was with XXXX who sold my loan to SLS. The issue started when I wanted to refi my loan to get a better interest rate, this is when the nightmare began. XXXX also ran me around and sent me to a counseling department with XXXX, where the counselor advised to stop making payments because that way the program will approve my request. Unbeknown to me I totally believe that is what I was to do, they were the so-called experts. Well, thats when my payments fell far behind and there was way for to recover. Still waiting for XXXX  to advise if my request was approved, they sold the loan to SLS. As I stated at the beginning, SLS took the loan and sat on it and did absolutely nothing. The foreclosure process went pretty quick, I didnt have a chance, I was losing my beautiful first home. I contacted and spoke to so many people and none of them helped. I then contacted Congressmen XXXX office to seek help as I was desperate to keep my house. The Congressmens office contacted SLS and were told they would look into the matter. They did not, they sat on the request and shortly after, the paperwork was on its way to the court. I remember this like it was yesterday, I tried so very hard to keep my house. Til this day, I know something wasnt right about my foreclosure, I strongly feel that my house was illegally foreclosed. I did everything in my power to reach to everyone I could, and received no assistance. I am not submitting my complain so it could be included in the lawsuit against SLS. 

I may already be included because I received correspondence along with a small amount check advising me if the lawsuit. I wanted you all to really look into my case, there was some Shady stuff going on. 

Thank you for taking the time to read my complaint. If Im needed for clarification and more details, I may be read at the following : 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 2021-05-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

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 2023-08-11
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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 XXXX  XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2019-12-24
Company: EQUIFAX, INC.
State: MD
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:
On XX/XX/2019, I accessed my electronic credit report through the free annual credit report/Eqifax database. Once I accessed my account, I discovered several inaccuracies of which I made an attempt to dispute. In the process of initiating my dispute ( s ), I was redirected to a different page within the Equifax database which ultimately denied me the ability to select the items I chose to dispute. In turn, I made multiple attempts to regain access, but was denied each time. Since the initial date of XX/XX/2019, I have made multiple attempts to gain access to the MyEquifax customer portal with my report file number to initiate a dispute, but was also denied access. I also made multiple attempts to have the issue resolved by calling Equifax, but even after proving my identity by providing all of the requested information, I'm still being denied access to my electronic credit file as of today ( XX/XX/2019 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is regarding XXXX. I noticed ( CRAs ) : XXXX XXXX XXXX XXXX XXXX, Equifax Information Services , LLC, and XXXX, XXXX ( the " Big Three '' ). are all reporting different information. For example, Equifax and XXXX are reporting both my XXXX credit cards yet XXXX is only reporting history on one of my XXXX cards. XXXX is also reporting to all three bureaus bouncing back and forth between 30 to 90 days within a 12-month period with inaccuracies. All three credit bureaus are not reporting the same " charge off '' information for XXXX XXXX XXXX, XXXX , XXXX XXXX , and XXXX XXXX XXXX XXXX XXXX I would like to understand why the information is not identical in each credit report? The 'credit limits ' and 'credit used " amounts reporting are also extremely inaccurate which impacts my debt-to-income ratio resulting in a poor/fair score. I inquired with Trial Attorney, Consumer advocate, and Board of Directors of XXXX - XXXX XXXX about my credit report. XXXX mentioned the " Fair Credit Reporting Act Fair Credit Reporting Act ( FCRA ) to name a few and suggested going to the CFPB to obtain a fair resolution as the first step with XXXX, XXXX, and Equifax which are XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
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: 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 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately Listed below are the Accounts that are being challenged 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 non-monetary relief
Consumer complaint received 2021-09-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I, XXXX XXXX reported a FTC report on TransUnion on Tuesday XX/XX/2021 for reporting fraudulent and erroneous accounts on credit report. 

TransUnion is in violation for reporting fraudulent and erroneous accounts ( listed Below ) These accounts below are in litigation for : Violation of 15 USC 1605 and 15 USC 1681.

15 USC 1681 ( a ) 3, 15 USC 1681 ( a ) ( b ), 15 USC 1681 ( a ) 2 ( b ), 15 USC 1681 ( b ) ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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