BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
TransUnion Credit report XXXX. After several tries to get the XXXX XXXX ( XXXX ) late history removed from my credit file, they still give me the run around that they have investigated and that all is correct. I am NOT saying that it is not correct, I am saying that it has been SEVEN years since the FIRST late payment in a chain of late payments were done. The lay specifies " The seven year period starts from the date the account became late and was never again current. If you have an account and it was reported 30 days late today, seven years from today the late payment would be deleted ''. I have enclosed the XXXX and Transunion files so that you can see that the late payments started in XXXX 2009. I request that this be removed now and a new credit report be sent 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 2022-06-16
Company: TRUIST FINANCIAL CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I had a loan with BB & T ( now Truist ). Loan # is XXXX. The property address is XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 

I moved from XXXX XXXX to XXXX  on XX/XX/XXXX. 

The loan was paid off on XX/XX/XXXX and I am entitled to a escrow refund check in the amount of {$3000.00} which I have not received. I have made 8 calls since XXXX till today, XX/XX/XXXX, following up with them and providing my most recent mailing address twice which is XXXX XXXX XXXX, XXXX  XXXX, XXXX  XXXX, XXXX  XXXX. 

During all my calls I have received assurances that the case has been escalated to supervisor and refund check will be issued but I have not received it. In order to make their process efficient I have also advised them to directly wire the refund to my checking account on file. 

I think the time I have invested in following up accounts for more than the amount of refund check. 

I look forward to receiving your assistance in this matter. Should you need to contact me my cell number is 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: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
This compliant is submitted XX/XX/XXXX ; Over one year since I took actionable remedies with Equifax to remove a hard inquiry that was committed through identity theft. Over the course of XXXX I attempted to contact Equifax via website, on the phone, and through certified mail no less than six times. In the course of several hours on the phone with representatives from Equifax, they had no record of my complaints, paperwork ( including a police report and notification from XXXXXXXX XXXX that the inquiry was fraud ). 
I have no confidence that Equifax has any intention of taking appropriate action and removing the hard inquiry made on XX/XX/XXXX. I have spoken to multiple representatives who seem confused regarding my dispute filings, cant read the credit report, interpret misinformation on my credit report, and have issued dispute confirmation numbers but never filed the disputes or filed them improperly. I request assistance as this gross negligence has negatively impacted my credit score. As a victim of identity theft who has completed all necessary steps and had to go above and beyond in order to attempt to rectify a situation that was caused through a crime, I implore your organization to publicize this complaint as well as assist in proactive efforts to restore my credit report. 
XXXX XXXX aware of Identity Theft. XXXX XXXX XXXX ( XXXX XXXX ). Spoke with XXXX. He closed the fraudulent account immediately, conducted an investigation and stated that I was liable for {$0.00}. 
Dates of Contact to Equifax : XX/XX/XXXX ( phone ), Certified Mail to Equifax XX/XX/XXXX, XX/XX/XXXX ( phone ), XXXX XXXX ( phone ). Do not have the number of website attempts. Continually received an error message that I would have to contact them by phone ( but was never connected to anyone during those times ). 
Spoke with XXXX from Equifax on XXXX XXXX. He said that this would take 30 days and I would receive results via email. On XXXX XXXX received an email that the investigation had been completed and to call. The representatives told me there were no hard inquiries on my credit reportthen 20 minutes later was told that no dispute had been filed. They told me that the last time I called I disputed my employment title ( which I did not ). 
Police Report Filed XXXX XXXX with Officer XXXX XXXX # XXXX Case # XXXX XXXX XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions 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 the following XXXX  Accounts has violated my rights : XXXX XXXX  XXXX ( Opened XX/XX/XXXX {$250.00} ) XXXX XXXX ( Opened XX/XX/XXXX. {$500.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$790.00} ) XXXX XXXX XXXX ( Opened XX/XX/XXXX. {$890.00} ) 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 States a consumer reporting agency can not furnish an 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 2021-07-25
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
American Express Placed bogus fees and then withdraw unauthorized funds from the Auto pay of my Financial Institution. ( They double collected {$1200.00} twice, at first they claimed that I had it arranged but then they demanded it forcibly, brutally, with uncivilized manner and language ). They took away all My bonus points. Made my account unusable and are using Defaming practices! I am still fully current with all their deceptive and defaming plans. 
Then they complained that I did not pay them enough. 
Am Express XXXX XXXX XXXX Account Never been tardy since its creation in 1988!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: EQUIFAX, INC.
State: IL
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 Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX XXXX XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
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:
please review the following accounts that appear on my credit report, without any authorization, they are hurting me 1. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

2. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

3. Identity Theft PORTFOLIO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

12. Identity Theft XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 
Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: AL
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 Account # XXXX, XXXX XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX XXXX Account # 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 2018-10-25
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This company has been incorectly reporting my payment history, I have never been late to this company by any means. This company is not metro 2 compliant which is causing me serious stress in my life. I would like for this company to bring my account to current status for each month they have reported me late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage loan was acquired by Carrington Mortgage llc. Since my " fixed '' payment has changed regularly. They do not send any communication and their numbers do not add up increasing the monthly payments drastically and they claim its for a year then they increase the monthly higher the next year. It seems like they are laundering money that does n't belong to them. They refuse to give a break down of their corrupt collection of escrow funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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:
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 OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2017-01-23
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender was provided the loss mitigation package on XX/XX/2017 and I have requested an update on this review 3 times by being transferred to a loss mitt rep and having to leave a message - a notice of sale, with a sale date of XX/XX/2017 was received and i still have yet to get an update on the loss mitt review - when I called today for the review update, I was advised they never received the package for the review - I have been given conflicting information from the lender for over 3 weeks. and now they have set a sale date - At this point we feel the lender is not willing to assist the client nor do they have a competent system for the updates being provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
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: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-04
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I charged XXXX for XXXX XXXX ( {$99.00} + tax ) to credit card ( Citi AAvantage ). I never received a statement. I did not pay the amount because I pay bills when I receive a statement. 

I received a letter in XXXX XXXX, dated XX/XX/XXXX saying the account is past due and may be referred to a collection agency. This was the first notice that I received telling me that I has an unpaid balance. 

I called to see what this was about. I was told that I owed 4 months of late fees at {$20.00} per month, plus interest. I spoke with three different representatives of Citi -- each at a higher level of authority. They will not give full names. Each told me that they could only cancel one late fee of {$20.00} plus some interest. I was told the remaining balance was {$83.00}. Since I have never received a statement, I could not verify this amount. I decided to pay {$85.00} to make the hassle go away. 

On XX/XX/XXXX, I received a statement from Citi. It shows a payment of {$190.00}, consisting of the {$100.00} plus {$85.00}. The statement shows a remaining balance of {$32.00}, which includes another {$2.00} of interest. I called and learned that Citi decided they would not rescind the {$20.00} late fee and interest, as I had been told over the phone. They now demand an additional payment of {$32.00}. 

My experience is frustrating but the BROADER QUESTION IS WHETHER CITI IS CONDUCTING A SCAM WHEREBY THEY FAIL TO SEND OUT STATEMENTS, THEREBY TRIGGERING MORE LATE FEES AND INTEREST. In other words, is my experience the tip of the iceberg?

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 2022-06-16
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a truck at a local dealership on XX/XX/2022 and dealership obtained financing for me through Truist. Afterwards, found out it was financially better to go through the bank I work for - interest rate would be lower. I had to give it a couple of weeks for Truist to book the loan. Finally on XX/XX/2022 I was able to refinance through my bank, a cashier 's check was issued and sent via XXXX XXXX  that same day. Truist received the check on XX/XX/2022, it was signed for by XXXX XXXX and shows it was delivered to the mailroom. I chatted XXXX on the Truist website on XX/XX/2022 to inquire about the payoff being processed and posted to my account. She stated " Upon review it appears we received your payoff check on XXXX. Please note, it can take up to 5 business days for the payment to be processed after your tracking shows as delivered. Once your payment is received it is sent to the mail delivery room with all other payments and is processed one by one. '' She did indicate that it would be backdated and any additional interest would be automatically waived. So, I waited another 6 days ( XX/XX/2022 ) and logged back on to see if the payment had been processed - nothing! I chatted this time with XXXX and inquired about the payoff. I explained everything again. I checked to see if the check had cleared my bank and it had not. XXXX had someone in Truist loan department check and she stated " the check is still not showing in the system and could be processing. If the check does not post in a couple of days you will need to provide proof of the cashier 's check to a Truist bank or do a stop payment on the check. '' This is absolutely ridiculous!!! To receive a payoff check on XX/XX/2022 and on XX/XX/2022 the payoff still has not been processed! Then I'm expected to pay for a stop payment on a check that Truist was too incompetent to handle professionally as a financial institution and process in a timely fashion.

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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-11-27
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I went to a civilian hospital ( XXXX XXXX XXXX Hospital ) in XXXX, OK and had to go to the hospital. XXXX at XXXX XXXX Hospital ( XXXX XXXX, OK ) ) took care of my bill but the XXXX XXXX XXXX Hospital attempting charge me fraudulent charges. Their false claim has negatively affected my credit score and I respectfully request that this incorrect information be promptly removed from my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: U.S. BANCORP
State: TX
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:
I applied for the U.S. Bank Altitude Connect credit card on XX/XX/22 through usbank.com and was approved same day for the product. The assigned credit line was {$500.00} which would not realistically allow me to take qualify for the associated acquisition offer of 50,000 bonus points after spending {$2000.00} in the first 120 days follow account opening. 

I called the instructed phone number on the application approval page XXXX during operating hours on XX/XX/22. The agent told me that I would need to call back later in the morning to talk with the underwriting department. I called XXXX back during the underwriting department operating hours and was transferred four times before being told by the underwriting agent that my application would normally warrant a higher credit line, but I probably have too many unused lines of credit open at other financial institutions. When I asked to close the account, she hung up on 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 explanation
Consumer complaint received 2016-06-24
Company: National Principal Group, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company is calling my ex husband leaving rude threatening voice mails claiming to be looking for my whereabouts, saying that if someone does n't respond there will be legal action and they will continue to call until someone answers. That they will continue to go through a list of contacts of known associates until I contact them. When I called the phone number a woman answered the phone, she never stated what company it was when she answered so I asked what was the name of the company she told me it was NP Group. I then asked what kind of company this was ; were they a bill collector, she was immediately defensive told me it was an investigation company. I then asked the type of investigation the company did, her reply was HIGH RISK. I asked high risk for what, she then asked for the number that was called so she could tell me what dept. so I could be routed. I told her no thanks and she stated we wont stop calling you its going to continue and then hung up on me. I have not received any calls or letters regarding any past due monies owed. This company and employee I encountered is completely unprofessional and is harassing my family. If they want to contact me they can send a certified letter.

Company response to consumer: Closed with explanation