BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
The credit bureasus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. Also I have multiple collections on my report when The Fair Debt Collection Practices Act makes it illegal for debt collectors to harass or threaten you when trying to collect on a debt. This grounds for removal they also violated my rights under 15 U.S. C. 1682 Section 602A section 2 Statees I have the right to privacy 15 U.S.C 1681 Section 604A also States a consumer reporting agency Can not furnish a account without my written instructions.

Also the credit bureaus took more than 30 days to complete my investigation.

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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
In XX/XX/XXXX, XXXX announced it experienced a data breach and my personal information was stolen. As a victim of Identity Theft, my social security number, home address, phone number, and email was stolen and then used to obtain credit cards, car loans, and other additional loans in my name. My life has been ruined and I need help. I've reached out to the credit bureaus but received little assistance. I submitted a letter XX/XX/XXXX to XXXX, Transunion, and XXXX but not haven't got a response. According to Section 6 ( a ) failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been more than 60 days with no response. I demand all horrific inquires, collection item, closed accounts, and previous addresses to be removed or I will file for litigation due to the stress you have caused. That is not me. Please see the attached document of the letter I sent to the credit bureaus and the XXXX Data Breach Settlement given to me by XXXX credit bureaus. Please take off inquires, collection item, closed accounts, and previous addresses. Thank you.

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 2021-09-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
They never acknowledged that my identity was stolen when I called in and told them.

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 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've updated my current address with TransUnion, XXXX, and XXXX  and requested all incorrect addresses and phones be removed and it keeps being denied.

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 2022-08-24
Company: EQUIFAX, 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:
On my transuion and equifax report, these are inquiries I do not recognize. 

XXXX - XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX- XXXX XXXX XXXX Equifax- XXXX- XXXX Equifax- XXXX XXXX I reached out to the companies and they could not give me any information on where these inquiries came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for a home loan application with Wells fargo put an offer on a home that was accepted on XX/XX/XXXX. I completed home inspection on XX/XX/XXXX. The results of the inspection were not favorable so on the XXXX I notified Wells Fargo I would not be proceeding with the purchase of that home and completed a new home mortgage application so that we can have a higher budget. Later that day we received an email that my application for the first loan was moving forward. I quickly called Wells Fargo and advised them a second time I was no longer interested in the first loan that I cancelled my offer with the home. I also asked about the appraisal. I wanted to make sure it was not completed because I would not proceed with the first loan and did not want that completed specially that I would be charged. I was told not to worry that papers were never submitted for the appraisal it didnt have to be cancelled. A day later I received an email that the first loan was now going to underwriting. I then sent an email asking them to please not proceed. On XX/XX/XXXX I receive mail at the house long and behold it was the appraisal of the home I had cancelled. We were charged over {$500.00} for an appraisal that we cancelled timely and did not want. After this I have contacted Wells Fargo and escalated with XXXX XXXX supervisor, XXXX XXXX XXXX ext XXXX. She advised in XXXX she would conduct a research and would take 10 days. In 10 days she advised she would need 10 more days which the latest would be XX/XX/XXXX. Sine then I have called XXXX she has not provided a follow up and no longer answers my call. I then called Wells Fargo and spoke to their executive office and they reported my case would be assigned to someone who would contact me in 2 buisness days at latest. Still no reply.

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 2022-08-01
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: Account information incorrect

Complaint:
I have reached out to Experian to have them update and correct my credit profile to reflect XXXX XXXX and XXXX. Experian needed verfied documents of my current address I sent them a verified mail with a copy of my driver licenses and mail with current address. 
Mail out on XX/XX/XXXX on Tracking # XXXX received in XXXX we are now in XXXX and my credit report and file has not been updated from XX/XX/XXXX. Experian has been giving me the run around not reporting accurate information and it has become very frustrated I'm trying to purchase a new car and home and my Experian credit file is stopping me from achieving this goal.

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 2022-09-28
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have an account with Prosperity bank. The bank keeps taking out outrageous overdraft fees and its causing a financial strain in my life. I have never heard of being charged {$140.00} for a overdraft. Then each day they still charged me different amounts of overdraft charges. I dont know how they expect me to pay it all back when they keep charging me. They even went as far as putting another overdraft charge on a transaction that happened the day before but I had got my payroll check this morning so I was not in the negative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-09
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered {$360.00} worth of products from XXXX on XX/XX/2021. I still have not received {$320.00} of the items. XXXX shipped my order which USPS showed as pending acceptance from XXXX. USPS is still showing the large order as pending acceptance from XXXX. I've filed a dispute with the comenity bank showing that the item has not been received to date. My dispute was denied as the vendor showed that the product was shipped. I filed a second dispute showing that the shipping number wasn't received and is still pending USPS. They responded almost immediately saying that they already reviewed and the dispute is denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted several letters to all 3 credit bureaus- XXXX XXXX TransUnion XXXX and XXXX disputing this Account with ( XXXX ) - name as reported to my credit report. They keep sending me a letter that this account was verified but have failed to explain WHY, WHO, & WHEN. ( DEBT VALIDATION ) They have failed to present me with proper documents that show their method of verification. They have also failed to show me original documents bearing my signature with this account. 

This account also shows a few incorrect information such as the ''date opened '', ''date verified '', '' closed date '', ''account status '', ''dispute status '' and ''date of last activity ''. ONLY ONE BUREAU IS SHOWING A ACTUAL CLOSED DATE FOR THIS ACCOUNT. THIS ACCOUNT NUMBER IS ALSO INCOMPLETELY REPORTED FROM ALL XXXX BUREAUS. This account is also in VIOLATION of Metro 2 Compliance because THIS ACCOUNT IS ALSO REPORTING INCORRECTLY & ALOT OF FIELDS ARE BLANK & MISSING INFORMATION. THIS ACCOUNT IS ALSO REPORTING A " LATE-PAYMENT STATUS '', WHICH IS ILLEGAL BECAUSE A CLOSED ACCOUNT IS NOT SUPPOSED TO REPORT LATE PAYMENTS NOR A BALANCE. 

In addition, I have been sending dispute letters to these bureaus and they have FAILED to update the ''dispute status '' of this account. 

All 3 credit bureaus are reporting DIFFERENT INFORMATION on this SAME account which is ALSO against my consumer rights. According to the FRCA consumer reporting, agencies must correct or delete inaccurate, incomplete, or unverifiable information. If this INCOMPLETE, UNVERIFIABLE, UNFAIR, and INACCURATE information is not deleted in 30 days I will be visiting my local small claims court to begin the process of a Lawsuit against ALL XXXX credit bureaus and CREDIT ACCEPTANCE. I expect to receive an updated credit report within the next 30 days showing that this account has been DELETED.

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 2022-08-03
Company: Experian Information Solutions 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:
i went to a dealership to ask about a car and now i have all these hard inquiries on my credit that i did not XXXX for XXXX  XXXX BANK XXXX XXXX XXXX OF XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Radius Global Solutions LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This date is during XXXX & scamming. XXXX identity.

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 2021-02-19
Company: Total Card, Inc.
State: MA
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:
Vervent/Total Card Solutions has listed a negative remark on my credit report. I have tried disputing the issue. The agency has failed to produce any documentation to prove this account was mine.I have attempted to contact Total Card services and have been advised that they are no longer servicing my account and refused to provide me with any information I needed. I was advised that XXXX XXXX XXXX is now servicing my account. XXXX XXXX XXXX has advised that they stopped all reporting efforts on my credit report. At this time, Vervent/Total Card is on my credit report still listed as a charge off. If the agency is no longer service my account and refuses to prove my account ownership, they should not be allowed to report negatively on my account. I want for this account to be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-27
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
09-01-2022| sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person

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 2021-02-19
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Prosperity Bank failed to setup my autopay debit deduction when I closed on my loan on XX/XX/XXXX. They offered .125 % discount to do this. I had already setup an account with them and was preparing to transfer funds. They scrambled and acknowledged what they did. They then setup another round of closing documents for a loan modification. During this time, they noticed that they failed to have me get flood insurance. During the nearly 2 month process for the original loan, they completely missed this. I then scrambled to get this done. I had to pay for a flood certificate to be created, and the surveyors were weeks out on getting this done. I finally was able to get someone out to the home and the certificate produced, but so much time had elapsed that I had to make my first mortgage payment on XX/XX/XXXX. I had transferred my funds into the account and I was in constant communication with the banking staff handling this loan modification. They told me to wait until we had the new loan documents in place and that they would waive any late fees. I waited and waited. The process for the flood insurance took so long that it eclipsed the XX/XX/XXXX payment date. Again, I asked and was told to wait. In the month of XXXX, I received a call from the prosperity collection team. I was disappointed because I have never been late with a payment and I am super diligent about all of my payments. I also received a delinquent payment mailing in the mail. I communicated with all members of the prosperity staff and expressed my disappointment. I was told that this was going to be corrected going forward. We finally had a closing date setup for XX/XX/XXXX. I was still getting collection mailings despite what was communicated to me, but I ignored them because that is what I was told. I finally setup an autopayment draft during the closing on the XX/XX/XXXX. During the closing, I paid up through XXXX and then on the XX/XX/XXXX, Prosperity successfully withdrew my monthly payment. Thus, in mid XXXX, everything was current. Then I get a credit alert about how I missed a mortgage payment and my credit score had dropped precipitously. To add insult to injury, Prosperity Bank CHARGED ME FOR CLOSING FEES even though they were the source of needing to do another closing in the first place. I finally had had it. I sent the alert notification to the bank and told them that I was reporting them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: LendingPoint Holdings LLC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I did resolve this with the company and received written confirmation that it was resolved in my favor. The institution is not honoring this and taking interest charges on a loan that is in the zero interest promotional stage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/20 I received an email message letting me know that Citibank had a " Decline of card request '' message. I tried for days to call, the XXXX number was hanging up every call, and chat was disabled. I posted on XXXX and followed the company so they could direct message me. It took a couple of days for them to reach out to me, and let me know that the account was 'mistakenly closed by our agent '. No one from Citibank reached out to let me know that the account was being closed, and to date, nothing shows up on the app that I use ( Citi ) to monitor the account, and my limit still shows {$2700.00} ( I can provide screenshot ). 

I did not close the account, and the letter to notify me that I needed to take action was sent only in paper form and the email to tell me that the requests for the card was declined hit my email inbox 5 months after the agent made the error to close my account. I have never been late for any payment, and the account was in perfect shape when it was closed without my knowledge or consent.

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 2019-10-19
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
in XX/XX/2019 my XXXX XXXX card was compromised by BLUEBIRD.COM with unotherize MONEY TRANSFERS of the following amounts XX/XX/XXXX {$20.00} & XXXX XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00} & XXXX TOTALING {$800.00} in talking to XXXX XXXX offices for more the 12 hours of being on hold and transfer to different departments they told me XXXX will not give back my money. but yet the could not prove who made any of these deductions. 
I live on a XXXX monthly SS check and now I am afraid to let my money go on this card. 
Please help me I need my XXXX back to pay my house bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-19
Company: Aspen National Financial, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aspen National Collection is a third party debt collector that have called my phone numerous times until I asked them to stop harassing me for money that I don't own to them. I owe {$950.00} to the original party since XX/XX/2019 of this year for my maintenance fees. I am late on my payment because of hardship and the original party hired this company to collect the payment. Aspen have since reported an inflated outstanding debt totaling {$1300.00} to the credit bureaus, including their debt collection fee of {$390.00}. They are reporting to the credit bureaus implying that my account has been either been sold or taken over by them ( Aspen ). They are charging me as if they are a legal/law firm hired. They are blocking me from continued business with the original party since I have a tax bill with the original party due soon. I will not be able to pay the tax bill directly since my account has been tied with Aspen and  their fees. It occurs to be a unjust cycle and their leverage is to continue to charge inflated fees until it's paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-09
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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), they are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 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 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