BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint not only for the third ( 3rd ) time against XXXX XXXX XXXX, but also against ALL THREE ( 3 ) major Credit Reporting Agencies TransUnion XXXX XXXX, and XXXX for not only violating my rights as a consumer, and for also reporting false and inaccurate information on my consumer report. In accordance with the Fair Credit Reporting Act, EVERYTHING has to be 100 % accurate. After carefully reviewing my latest consumer report, I not only found several violations, but I also see that XXXX is continuing to report inaccurate information as well ALL 3 major CRA 'S. This fraudulent activity is still in progress even after me sending XXXX a certified letter on XX/XX/2022 ( Tracking # XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), a complaint with the cfpb on XX/XX/2022 ( still no response ), another certified letter on XX/XX/2022 ( tracking # XXXX XXXX XXXX XXXX XXXX ). Attached labeled as Exhibit A, is a screenshot of this fraudulent reported account, reported closed on XX/XX/2022 on TransUnion. Also attached labeled as Exhibit B is the final letter sent to XXXX on XX/XX/2022, informing them of how their company has violated my rights as a consumer deliberately, intentionally, and purposely and is willfully violating my rights as a consumer. Lastly, attached and labeled as Exhibit C, is a copy of this company and ALL three ( 3 ) Credit Reporting Agencies reporting inaccurate information ( ALL HIGHLIGHTED ). How can any of this information be accurate with so many inconsistencies? The account type is inaccurate, The account detail is inaccurate, Date opened is inaccurate, Balance is inaccurate, No. of months is inaccurate, Past due is inaccurate, payment status is inaccurate, Last reporting date is inaccurate, comments are inaccurate, date last active is inaccurate, date of last payment is inaccurate, along with the entire two ( 2 ) year payment history also reporting inaccurate. Not only has my rights to privacy been violated, ( according to 15 usc 1681 section 602 A ), but also 15 usc 1681 section 604 A section 2, which states that 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 2022-08-05
Company: EQUIFAX, 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:
Pursuant to title 15 usc 1681b, and pursuant to title 15 usc chapter 94. My consumer rights has been violated

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Experian Information Solutions Inc.
State: MO
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, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2020-04-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX XXXX here- Hope could you help me wit a issue Im having with my fifth Third bank- I deposited my personal income tax refund & a day after funds cleared, they froze funds for no justifiable reason. On the grounds that its was thought to be a fraudulent check because I wrote a money order. 

I feel as though it may be an aspect of racial profiling to this situation due to when I went to an Indiana branch of and as I sent in my deposit slip & identification into the teller- I was met wit a barrage of odd questioning & suspicion souly due to the amount I was depositing ( {$22000.00} ). I was asked why didint I have direct deposit & why were my funds in check form. 

From there, I was told I would not be allowed to withdraw the funds I wanted to & that the check would have to undergo further investigation in Fifth third back room - and that they branch had had a lot of fraudulent tax refund check & that Id have to assumed to be doin something nefarious. 

A day after my account was frozen & was instructed to contact fraud department where I received the same line of odd question & asked to send over documents I didnt think were pertinent to the investigation. 

I was told by investigator XXXX XXXX he thought it might be a situation where I mightve withdrew funds for the purpose of giving a portion to someone I met on XXXX. 

Which completely floored me- I was told that theyd have to send my funds back to the IRS & close my account & id have to talk to the IRS for more answers. 

I was also asked to send document like my 1040 to prove that I was receiving the appropriate amount from the IRS. Which I took as flat out racial bias, that a XXXX XXXX man like myself could not possibly legitimately file & received a refund for this amount. 

Theyve now closed my account & claimed to sent funds back to the IRS on the grounds that theyve made a business decision. 


Fifth third bank has a history of racial descrimnation & I cant believe they are employ these type of practices during a time in our country like this. 

As a consumer Id love you help in this matter. 


Sincerely XXXX XXXX Fifth third investor over my case- Investigation Supervisor XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: WELLS FARGO & COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My credit card issuer, Wells Fargo Bank, assessed with an APR interest rate hike beginning in my XXXX of 2016 from a 9.490 % to a 28.740 %. This rate hike was a direct result of their Call Center staff incorrectly setting up an auto-payment which was to continue for 3 months while I was traveling internationally. <P/>In working with my the local Wells Fargo Banking Representative, a member of their XXXX XXXX XXXX XXXX XXXX XXXX and a member of their Small Business Lending Operations staff they corrected problem with three additional, but unrelated, accounts. <P/>I 've attempted to follow up for several months ( and have supporting documentation to include statements and emails if necessary ) regarding the status of this specific account but never received any resolution or a complete response. In contacting them today to follow up with this issue they insisted that " they '' did, in fact, correct the issue but the account was delinquent. I informed them that I received no such notification and I then I proceeded to go through each invoice and read the interest rate and fee reversals to demonstrate the requests were incomplete. After that the representative informed me that they were not able to provide an alternative and advised me to contact the VP for the XXXX XXXX XXXX XXXX ( XXXX XXXX ) but unfortunately I have yet to see any resolution.

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 2017-07-03
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My monthly minimum payment is currently {$25.00}, and I have an automatic payment set up to pay " Minimum Payment Due '' on the due date, which is the XXXX of each month. On XXXX XXXX 2017, I made a payment of {$320.00}. My online account after that day was updated to reflect that the minimum payment due was {$0.00}. Despite this, Home Depot processed an automatic payment for {$25.00} dollars on XX/XX/XXXX. When I reached out to request an explanation, I was told that despite having paid the minimum amount in advance, the automatic payment would still be run and there was nothing that could really be done at this point to stop it. I am fortunate that I have substantial funds in my checking account so that I 've not been charged an overdraft fee, but this is potentially a major issue for any other customer in the same position. I 've not read the fine print of the automatic payment agreement, but I fail to see how any agreement can redefine " You have scheduled an autopayment of Minimum Payment Due on XX/XX/2017 '' to mean " You have scheduled an autopayment of Minimum Payment Required for the Month on XX/XX/2017. ''

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 2021-06-15
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is illegally being reported to my XXXX and XXXX Credit File. I do NOT have any contracts between myself and _____ ( debt collector ) They have failed to provide documentation that the debt is legal. 

The company in which my original account was created SOLD the debt to this collector therefore, having sold the debt and leased the premises out after moving they are not legally allowed to collect on a unit that is now occupied. 

This debt is not valid, as I was allowed to terminate our lease due to distress created for my family by administration of this facility. 


What I want? 

I want this debt listed by _____ immediately removed from all of my credit profiles. 

They will ask have you tried to resolve this issue with the company. 

I have tried to resolve this and they are unable to verify that I have a debt / document with their company. 

That should be it. Make sure you put your social and email so they can respond and notify you of updates.

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 2020-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
From XX/XX/2020 we have been trying to work with Transunion and XXXX on trying to resolve my credit score because we are trying to refinance our home and we needed to pay off a credit card and so we did. XXXX sent a letter saying that the balance was paid off but Transunion is saying that they have not received it after 3 times. XXXX and XXXX at Transunion are both very rude and was not helpful at all. They was saying that they cant help us and that there is nothing they can do. I need this to be resolved 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 explanation
Consumer complaint received 2017-07-03
Company: Experian Information Solutions 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 discovered that I am the victim of identity theft. Several accounts were opened in my name without my consent, knowledge or approval. At no point did I benefit financially from these accounts. Upon checking my credit report I found the following accounts and inquiries that were not authorized by me and that I did not have any knowledge of. 
Accounts open without my knowledge : XXXX XXXX XXXX XXXX # XXXX**** XXXX XXXX XXXX XXXX # XXXX**** Credit inquiries without my knowledge : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX-XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXXXXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX The following address does not belong to me and is a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX The following phone numbers do not belong to me and are a result of fraud : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have never lived nor have I been associated with anyone who lives at the address XXXX XXXX XXXX . I have attached a copy of my current lease agreement showing where I live which shows that I moved in XX/XX/XXXX and signed the lease for 1 year. These accounts were opened online and the cards/checks/paperwork mailed to a third party address I am not associated with.

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 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Problem with personal statement of dispute

Complaint:
This company has yet to remove these charge offs on my consumer report. My account contains a finance charge, which is the sum of all charges, therefore it paid in full upon the acceptance of my credit card ( social security card ). Under my opened credit plan this account was paid in full and can not contain late payments. This has caused me great distress and I feel I am being taken advantage of and this company has deceived me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: The Phoenix Recovery Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The property owner, XXXX XXXX XXXX refused to renew my yearly lease agreement claiming inconsistencies in my payments. My family and I have lived in XXXX XXXX  XXXX since XXXX signing yearly lease agreements every year. 

The property owner notified me in XX/XX/XXXX that they will not extend my lease for the next year XXXX, the lease will become a month-to-month agreement as stipulated. However, the property owner refused to collect my payment for XX/XX/XXXX. 

I made multiple attempts to reach an agreement to extend my lease and also to make the payments which included all sorts of fees imposed by the property owner which can include legal fees, late fees, reassessment fees, etc. Unfortunately, every single attempt was rejected by the property owner. 

The landlord then presented its eviction request for {$1200.00}, the amount due for XX/XX/XXXX which I was always willing to pay in the first place. 

During XX/XX/XXXX nobody was able to find a new house, nor move out nor into a new place due to the Recently imposed Covid-19 lockdown which included an eviction ban. During that time the landlord requested assistance aid for the period where the lockdown was imposed. 

We moved out of the unit during that time, however, the landlords attorneys continue trying to collect the same period from us as well even though they already collected the Covid Assistance Aid. 

The account is currently in 'Collection ' for {$9000.00} reflected in my credit report negatively which has impaired my chances to lease a new place. My rental options are extremely limited due to the current market that continues to increase aggressively every month. Since then, my family and I have been living in an extended stay hotel paying an average of $ 175.00/night.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hi, My XXXX scores shows a big discrepancies between what it shows to my in their website ( XXXX, XXXX ) than the lender credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in XXXX and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, 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 2021-07-18
Company: Experian Information Solutions 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:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XX/XX/2020

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 2021-07-18
Company: Experian Information Solutions 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:
The following hard inquiry or inquires listed on my credit report ( s ) were not authorized : EXPERIAN - XXXX XXXX XXXX XXXX XX/XX/2020 XXXX  - XXXX XXXX XX/XX/2020 XXXX  - XXXX  XXXX XXXX  XXXX  XX/XX/2020 In addition, there is a duplicate inquiry from XXXX XXXX XXXX XXXX on XX/XX/2020 listed on my XXXX  credit report.

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 2019-11-19
Company: EQUIFAX, INC.
State: IL
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 am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 

Is it possible someone forged my name, or that you have confused me with someone else? Please check for me. Even if you receive documents with my signature, please compare them with my real signature ( which is on the police report affidavit ) because if you do you will see I did not sign anything related to these accounts. 

If you have any questions I would be happy to help. But because these are not mine, please remove them from my credit as soon as possible!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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:
I purchased bus tickets through a public transportation app using my capital one card and was charged a {$10.00} cash advance fee for each transaction : XX/XX/21 : {$3.00} bus ticket XX/XX/21 : {$1.00} bus ticket XX/XX/21 : {$3.00} bus ticket The cash advance fees did not post until XX/XX/21 ( {$30.00} in total ) nor was I informed at the point of purchase that such a fee would incur. 

I called Capital One to ask the charges to be removed and they refused, claiming the purchase was a wire transfer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-06
Company: Experian Information Solutions Inc.
State: TX
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:
Hi, My XXXX scores shows a big discrepancies between what it shows to my in their website ( XXXX, XXXX ) than the lender credit report. I'm looking to buy a home and the Lender credit report requested show way to low my XXXX score, I dont understand how there could be a discrepancy in my XXXX numbers as much as XXXX points in XXXX and XXXX points in XXXX, XXXX couldn't get it without paying them a fee! 
Can you clarify why is there this this discrepancy, seems completely unfair to consumer to believe that we have a good score when in reality does not. 
thank you for your input on this, 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 2017-09-26
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: Was not notified of investigation status or results

Complaint:
Experian refuses to provide proof as required to under FCRA. The claim they investigated but have not provided proof. 

accounts Account name XXXX XXXX Account number 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