BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
After several certified letters stating the information regarding the trade line was wrong I only received print outs that the information was correct. I received the exact same response after XXXX more requests for complete investigation. They did not send any information regarding the history or origination. This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquires are on Equifax and XXXX XXXX and I did not authorize. I have called the companies and have been redirected to the credit reporting agencies to remove inquires from credit or directed to CFPB to file a complaint. I also contacted Equifax and XXXX and was directed to file a complaint with CFPB. Below are the Inquires with the credit reporting agency. 

Equifax Credit Bureau XXXX XXXX XXXX XX/XX/2022 XXXX - XX/XX/2022 XXXX- XX/XX/2022 XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022 XXXX XXXX - XX/XX/2022 XXXX XXXX - XX/XX/2022 Equifax XXXX XXXX XX/XX/20XXXX XXXX XXXX - XX/XX/2022 XXXX XXXX  - XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: U.S. BANCORP
State: WI
Product: Credit card
Issue: APR or interest rate

Complaint:
In XX/XX/XXXX, I received a mailed notice from Elan, who had taken over my credit cards from the prior company that had jurisdiction over them This notice informed me that Elan would be nearly doubling my interest rate on the credit card ( s ). The notice did not indicate any justification or reason whatsoever as to why this was happening. Considering that I was a loyal customer with the specific credit cards in question and had a good payment history, this was unacceptable. Per the instructions on the notification, I mailed a signed letter to the address provided that prohibited Elan from raising the interest rates on any credit cards that I may have with them. The deadline was for a date in XX/XX/XXXX. I mailed my notice on XX/XX/XXXX. When I received my statement for the XX/XX/XXXX due date that year, I immediately noticed that Elan had blatantly disregarded my letter and had had raised the interest rate anyway. I immediately informed the company of my letter and they stated they had not received it. Even though I was informing them over the phone right then and there that the notice had been sent per their instructions, they blatantly refused to acknowledge my concerns and, instead of taking any kind of appropriate action, continued to charge me the higher interest rate. In addition, despite what Elan believes, they are charging me the higher interest rate for the ENTIRE balance, not just from any purchases that were made after XX/XX/XXXX which is what they claim. This caused my minimum amount due to skyrocket, essentially preventing me from making my payments. This was irrelevant any way, as I had never authorized the increased interest rate percentage in the first place. I mailed the same date notice to them again in XX/XX/XXXX, but they still claim to have never received it and never took any action. I continued to make good faith payments and did several follow ups but no one at Elan resolved the situation, so after over a year of this, payment ceased until Elan properly resolved the issue. They were infromed of this by phone multiple times. In early XX/XX/XXXX I spoke to supervisor in their escalation department who identified herself as XXXX. On the same day I spoke with her, I FAXED my letter to her directly at her request and have a receipt of this fax that shows that Elan successfully did receive it. She informed me that she would finally resolve these issues and would be contacting me on the following Tuesday to confirm that she had taken action and resolved all issues to MY SATISFACTION. Not only did I never receive a call or any type of contact whatsoever by the agreed upon date, but when I called the escalation department back and asked to speak with XXXX, the male representative laughed and hung up. These calls are on record with my phone provider as evidence.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: WA
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:
Account Name : XXXX XXXX XXXX Account number : XXXX Account type : Charge Card Date opened : XX/XX/XXXX Status : Open. {$10.00} past due as of XX/XX/XXXX. 

Status updated : XX/XX/XXXX XXXX : {$55.00} Balance updated XX/XX/XXXX This is an inaccurate credit reporting that I don't recognize. I filed a dispute with Experian, XXXX, and XXXX. But for whatever reason it remained on my credit report. They haven't provided any information on how exactly they verified the debt.

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 2021-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
The inquiries below do not belong to me. They are FRAUD. Delete ASAP. They should not be on my report. 
-- -- -TRANSUNION XXXX -- XXXX Inquiry : XXXX XXXX, 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 2016-12-12
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I applied for USBANK checking account along with visa signature card since they were offering {$150.00} bonus. Also they were offering {$100.00} credit if you spend {$500.00} within a month. I completed both requirements and to my dismay I was denied the promotions they were offering after I made a balance transfer and spend over {$500.00} on the credit card. After writing to XXXX/CFPB USBANK agreed to fix the credit card promotion. But I still do n't see {$100.00} credit. But I was denied checking account promotion. I was told that I have n't opened the correct checking account. 

I called USBANK online customer care right after I opened the account and asked them if account is opened correctly. I was told as long as I entered the promo code correctly I am eligible to receive the Bank promotion. It has been more than 3 months and no {$150.00} promotion was applied to my acct. When I called USBANK customer care on the phone they asked me to call the branch in XXXX. It seems they do n't know what they are doing. I called bank last week and they told me checking account was not open properly to receive the bonus after investigating this issue for few days. US Bank online customer care did n't do due diligence when I called customer support right after opening the checking account and followed all the instructions to receive the bonus including direct deposit.

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 2016-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On several attempts I have reached out to this company in regards to inaccurate information on my credit report. I have sent company ( XXXX XXXX ) 3 certified letters advising them to provide proof of said debt as this does not belong to me! Company has refused to respond and provide proof and refused to remove this incorrect information from my credit report! I reached out to Transunion to obtain proof that his debt was verified as belonging to me and they have also failed to provide me with the proper documents of this debt.

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 2015-07-07
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I lost my job about 4 years ago. I got behind on my mortgage with US Bank Home Mortgage. I went through all the steps to do a loan modification which was never granted. I am now trying to short sale my house and my house has been on the market since XXXX 2015. At the request of my relationship manager, I again prepared documents for loan modification in XXXX. During this time I never heard a word about the documents being approved. I left numerous voicemails and sent emails with no reply. Now my relationship manager, in XXXX, tells me he never received my paperwork. I provided the email where it was sent to him. He apologized and said I would have to prepare the paperwork AGAIN. During this conversation he begins to tell my that my house is in foreclosure which he has failed to tell me in the past when I have talked to him. US Bank sent their asset manager to my house to change the locks and make sure it is secure since I have moved out during this time. Now, it is for sale and I have a real estate agent who is showing the house and have an offer that has been submitted to US Bank. I check on the house about every week and XXXX day I go inside and the back door has been removed from the hinges and my stove is gone. All my cabinets have been gone through. My house was left unsecured for over a week. When I call my relationship manager, of course I have to leave a frantic voicemail about the house being unsecured and the stove missing. I was told that the reason the locks were changed was so that US Bank would know the house was secure. I got a return phone call 2 days later which I could not answer at the time because I was in a meeting at work. I have since returned the call with no response. My relationship manager is the WORST customer service rep I have ever dealt with. Since then I myself have fixed the back door and secured the house out of my own pocket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-30
Company: U.S. BANCORP
State: AZ
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fraud or scam

Complaint:
I received a gift card ( {$100.00} value ) as a gift in original package. On XX/XX/XXXX I opened the package and went shopping at a local grocery store. The card only showed of balance of {$12.00}. I verified the transaction history and it showed a transaction of {$84.00} on XX/XX/XXXX ( before even opening the card package ). Called customer service at the number indicated on the card. They wanted my fax number. I explained that I do not have a fax. They asked me to fax copies of the card and the package, which I did on XX/XX/XXXX. I expect a reimbursement on the {$84.00} transaction I did not authorized.

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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
I have sent proof to Transunion that accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  are reporting inaccurately. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies : ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I have filed complaints with the Consumer Federal Protection Bureau multiple times with evidence of INACCURATE INFORMATION. Transunion is not removing the inaccurate information and violating my rights. 
All complaints and evidence of inaccurate information is listed below. 
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 2016-09-29
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My checking account was overdrawn by about XXXX because paypal authorized some payments that they should n't have unless they did it rom their own bank. I contested the charges with the bank and they removed it then they closed my account with a balance of XXXX in fees for this XXXX contested charge.

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 2015-09-10
Company: Residential Credit Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Mortgage XXXX Company XXXX Residential Credit Solutions or RCS XXXX was moving forward with foreclosure process although we were still in the modification process. In fact, I notified this company in writing that I had started working with Keep Your Home California but received the Notice of Sale a week later. Also, many items of correspondence from this servicer were time sensitive but dated in such a manner to make them delinquent before received via mail ( thereby preventing timely completion at the outset ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: UNITED GUARANTY CORPORATION
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Three months ago while looking at my credit report, I noticed that there was a collection account for XXXX put there by a company called XXXX. The next morning I called them, they claim to be collected for a company called United Guaranty XXXX Lien and they did not put that on my credit report since they are a non reporting collection agency. I never heard of that company before. I then reached out to United Guaranty XXXX Lien, they told me they were the issurance company for XXXX XXXX XXXX but they did not place this on my credit report. They said XXXX XXXX XXXX put in a claim and they paid it. Now, I had a mortgage with XXXX XXXX XXXX which they fraudutlently foreclosed on when they told me that I was going to get a loan modification. 
Neither United Guarantee nor XXXX is taking responsibility for adding that mark on my credit report. XXXX XXXX XXXX is asking me to pay them 22000 to settle, eventhough they told me that they did not report to XXXX, they are saying until I pay them the item will remain. After pressing the issue with them, they told me that it was XXXX XXXX XXXX who place the item on my credit report. The item does not say XXXX XXXX XXXX anywhere, yet I already have a foreclosure Mark for XXXX XXXX XXXX on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened a checking and savings account with Citizens Bank back in XXXX pursuant to the {$600.00} promotion bonus that I had received in the mail. I went to the XXXX XXXX  branch on or about XX/XX/2022 and opened the account with banker, XXXX XXXX. 

I had checked with him at the time of the opening on whether I would qualify for the bonus as one of the qualifications was that I shouldn't be a signer on any accounts whereas my wife had added me to her account, only recently at that point. He said that wouldn't be an issue as I was only a secondary on her account. I relied on his advice and opened the account. 

I have since account opening met the requirements of the bonus. I reached out to Citizens Bank executive office too but they denied the request citing that I had signed the documents based on the promotion bonus. 

I relied on Citizens Bank to open this account and fulfilled the promotion requirements. I request you to step in and help me get the promotion bonus. 

If you need to reach me I'm available at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was recently effected by the flooding in XXXX, LA. I have mortgage against the property, I have been out of my house for 3 months now and I have yet to receive any payments from my mortgage from the claim loss to finish the repairs. I have put all of the monies so far to complete repairs. When I call them to get answers I can never any person that is willing to bring it up to a high level to resolve my issue or even consider the pain and suffering my wife and I are going through.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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: Credit inquiries on your report that you don't recognize

Complaint:
I have attached an FTC report with an account and inquiries I did not authorize, can you please update and delete

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: Trident Asset Management, L.L.C.
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had submitted a disputed and they did not send out verification they had had obtain the debt correctly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-09
Company: Nationwide Credit Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
For more than three months, I 've been receiving almost daily phone calls from a debt collection agency. I never answer their calls and the company never leaves a message. I have no outstanding debt. 

The caller-id sometimes shows the company name as NCC Business Services and sometimes as XXXX XXXX XXXX For NCC Business Services XXXX the calls originate from ( XXXX ) XXXX and ( XXXX ) XXXX. For XXXX XXXX XXXX, the calls originate from XXXX XXXX XXXX XXXX. 

My complaint expresses the same situation as the complaint against XXXX XXXX submitted to your agency on XXXX/XXXX/XXXX. In addition to never leaving messages, the company has never contacted me through the mail or in any other way. They just appear to be phishing for information. 

Others who have received calls from this debt collection company report requests for private information such as social security number, claims of grossly inflated amounts owed, threats for non-payment, and many, many cases of mistaken identity. 

Back in XXXX, I received repeated calls from the same company over a period of weeks. Upon finally talking to a company rep, it was clearly established that the real debtor was someone else with my name. The rep said that the calls would stop, and they did for a period of several weeks, but then resumed. It required the intervention of the Maryland XXXX office to get the calls stopped permanently. 

Because of my previous experience and the experience of others, I refuse to have any contact with this company and would like these annoying, harassing calls stopped.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the FAIR CREDIT REPORTING ACT ..XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 USC 1681 Section 602 states I have a right to privacy 15 USC 1681 Section 604A section 2 : it also states a consumer reporting agency can not furnish an account without my written permission 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason

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