BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I REQUEST FOR THIS COMPLAINT TO BE REVIEWED BY A HUMAN. 
Please reference CFPB Complaint Number XXXX I submitted my original complaint on XXXX. I received an email notification from CFPB stating that the complaint was closed on XXXX. When I read the reason that CFPB Complaint Number XXXX was closed, it stated that the account was never on my credit report/ and or had been removed. Confused, I called into CFPB and spoke to customer representative XXXX. XXXX read back the information to me on the phone, stating that the account is not on my credit report. Please note that this is incorrect information. 

On XX/XX/2022, I waited to pull my credit reports from all three credit bureaus- XXXX, XXXX, and TransUnion. Currently, the account in dispute - XXXX XXXX XXXX  Account XXXX is still reporting negatively on my XXXX and TransUnion credit reports. This account is reporting twice ( double jeopardy ), on pages XXXX and XXXX of my TransUnion credit report and also reporting on my XXXX credit report. I have attached my current credit reports for your review. 

15 U.S.C 1681c ( a ) ( 5 ) states : no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

XXXX XXXX XXXX XXXX  has violated my rights under 15 USC 1681. This company continues to falsely misrepresent that I owe an alleged debt to them to the credit bureaus. I do not now, nor have I ever had a signed written agreement to do business with XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-04
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Monday XX/XX/2021 I went inside Prosperity Bank located at XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX inside of XXXX grocery store. I went into the branch because I attempted to use my debit card and it would not work. I was XXXX advised that my account was closed due to non activity and they charged fees to the balance that was left in my account and closed it. I had been using my card and had a balance of over {$200.00} remaining. They did not provide me with my money nor a notice that they were going to close it or even had closed it. I would like my money returned immediately and my account reopened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 contacted Transunion several times over the phone and by MAIL since XXXX trying to get them to remove an unauthorized account from my consumer report XXXX XXXX account partial details # XXXX. More recent dates contacted were XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX with no success. I have return REGISTERED MAIL receipts from the company. They have not responded with the information requested. 
I am a consumer and per Title 15 USC 1681b ( a ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates. I never received anything from Transunion asking for my consent regarding this alleged account. 
Transunion has not been fair nor impartial for placing this alleged unauthorized account on my consumer report. 
The adverse information prevented me from gaining new employment in these grave times during this pandemic. IT'S NOT FAIR. I am a single mother doing the best I can and TransUnion have no RIGHT to place this unauthorized information in my report. 
My privacy has been violated according to Title 15 USC 6803 ( Disclosure of institution privacy policy ). Consumer Reporting Agencies are defined as Financial Institutions. There was no information disclosed to me before anything was JUST ADDED to my Consumer Report. 
If you can not provide a contract for a consent between Transunion and I the Consumer REMOVE XXXX XXXX! As I am in the process of seeking Legal action. This must stop!

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 2017-07-25
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I co-signed a student loan ( XXXX ) for a friend 14years ago. The loan evidently was not managed well by the primary on the account. I was noticed a few times he was late on payments, but the account was always brought up to date, or so I thought. Last XXXX the primary on the account notified me he was going bankrupt and the account would be my responsibility. I contacted the lender and was dismayed to learn the original loan amount ( XXXX ) had almost doubled XXXX ). I never received any information on the account other than when a payment was late. I have my own student loans which are current and have been payed faithfully every month. When I found out the ridiculous amount of the loan and the fact the company had not been due diligent in keeping me up to date I asked them to work with me to have the loan reduced and the interest rate changed to a fixed rate. The company was not interested in working with me. I contacted my state Senators and they were not successful, the lender basically said, too bad ... you co-signed it is your problem you did not check in on the loan over the past 14 years ago. I have been paying the loan, which is in the " interest only '' repayment phase, the interst rate has gone up twice in the past 11 months. I asked the lender if they would refinance the loan ... I received a resounding " NO ''. I then contacted several other banks in regard to refinancing ( which I did receive many offers with significantly better rates and terms ) but I found out I need to have the primary lender release the loan. I contacted Navient, yet again, and they have been non-responsive. I am at my wits end, I have never received such awful treatment and an unwillingness to work toward an acceptable solution. I have done all the leg work and been the onXXXX contacting Navient, they are not customer friendly and I find their business practices deplorable and their rates usury. My state Senators have not had any success with them either. I am fortunate my primary student loans were with XXXX XXXX and they worked out a great repayment plan with me. When Navient purchased XXXX XXXX, all customer service and humanitarian business practices appear to have been discarded.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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 2019-10-21
Company: ERC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have tried on several different occasions to get this debt validated and nothing from this company I have for this account to be removed from my account because this company want send validation but they want remove it from my credit report so they need to do either or validate or remove it from my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Fidelity National Information Services, Inc. (FNIS)
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX, I paid XXXX in cash the full amount of an account that was previously charged off. XXXX alleged it notified XXXX of the same on XX/XX/XXXX. XX/XX/XXXX ( XXXX ), I called XXXX to verify if they had been notified of the payoff ; they denied receiving the information. I called XXXX, XX/XX/XXXX ( XXXX ) again asking confirmation of account being paid off ; again they denied the same. XX/XX/XXXX ( XXXX ) - I filed an online dispute with XXXX providing proof of payment, as instructed by XXXX. XX/XX/XXXX ( XXXX ) I went into a local XXXX branch, asking for documentation as proof of date and time the pay off information was sent to XXXX, XXXX representative said they had no documentation. I asked how they communicated payoff to XXXX, they refused to provide this information. XX/XX/XXXX ( XXXX ) I called XXXX again asking if they received documentation of payoff - Representative said : everything was on hold while investigation is being conducted based on dispute filed XX/XX/XXXX. I asked what that meant. Rep said : documentation was sent to XXXX requesting response of payoff. I asked when was the documentation sent. The Rep said : It 's in process. I stated to Rep - since you ca n't tell me what time, then you obviously have not sent the request to the bank. Rep stated even if bank sent or subsequently sends documentation of payoff, I would not know anything until investigation is completed, that they have 30 days, and results would be sent in writing. Since it takes " seconds '' to put me into XXXX, why ca n't I get answers in " seconds '' to my valid questions? Why have I been lied to by both the bank and XXXX? It 's my understanding that this is all done electronically, and I know that wire transfers can occur within 15 minutes - so why does it take these two entities days to document proof of this transaction? I paid cash, borrowing money to pay this outstanding debt, and I ca n't get a straight answer from anybody. I told XXXX I would be filing this complaint, and I 'm requesting an immediate response. My life is on hold while these two institutions fart around. Please advise at your earliest convenience ( i.e. - immediately ). Thank you for your assistance and cooperation.

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 2017-10-16
Company: Big Picture Loans, LLC
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I submitted for a loan on XXXX/XXXX/XXXX and was approved for XXXX. My first payment was due on XXXX/XXXX/XXXX. My income is based on what I receive through XXXX. I had a medical emergency with a up front cost that I had only days to pay soI got the loan. Closer to due date, I sent an email and called to reschedule payoff through a debt consolidation loan through my bank and I would payoff the loan and be loan on my first and only payment. The day I tried to talk to them I was either on hold or hung up on twice. I didnt want them to send it through but got the run around and sent three times. I were charged with massive bank fees through them and the effects it had on other transactions. The bank closed my 5 year checking account now they have called me at least 30 times. If they would have tried to work with me I wouldnt be in this bad of shape. I am lookin for one payoff amount and be done. I will never get this again because with XXXX, you never know what you are going to get and it helps if the business is not CRAZY like these people,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
While applying on line for accounts ( XX/XX/21 ) with Transunion my wife and I were forced to give a credit card number to open each account. There was no explanation of why they wanted our credit card numbers but we could not get accounts without filling in the credit card information. After opening the accounts we were notified that Transunion had charged each of our accounts {$25.00} and would be doing so monthly. We reached Transunion ( XX/XX/21 XXXX and requested cancellation and a refund. They said they were doing both. I believe this is a scam by Transunion. They are hoping that people who sign up for an account think this is a necessary and lawful charge. It is a fraudulent, dispicable way to do business and should be illegal.

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 2021-11-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Received a loan through XXXX XXXX XX/XX/XXXX for {$36000.00}. When I initially got the loan, there was a glitch in the system during my XXXX payment month. I was assured the payment was received and I owed nothing until my XXXX  payment rolled around. Then, I was informed the payment did not go through and I would need to pay. So they worked out a deal, which ended up hurting me in the long run. They basically tacked the late payment to the end of my loan but on paper it looked as if I was always paying a month behind. I was laid off twice while having this loan in XXXX and XXXX for a total of XXXX months. I called and tried to make arrangements with XXXX but the month behind quickly became a problem for me. All the delinquencies on my account are from that timeframe where I was out of work.I wrote the companies XXXX. I was forwarded to XXXX XXXX. She was still not able to get the delinquencies updated although my loan is paid in full. This loan is still negatively impacting my score and I have tried everything to get this corrected.

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 2022-08-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On or about XXXX XXXX, I attempted to make a {$10000.00} deposit to my XXXX XXXX XXXX from my checking account at USAA from within the XXXX app. I received an error message that stated it couldnt be processed and to try again. I checked my USAA account, saw no monies missing and re-attempted on XXXX XXXX and was able to deposit {$10000.00} into my XXXX XXXX XXXX. On XXXX XXXX, I received an email from XXXX XXXX stating that my deposit had been returned due to NSF. I realized that the transaction I thought had been unsuccessful was actually successful and it had attempted to withdraw the money twice which resulted in the NSF ( despite there being only XXXX withdrawal from my USAA account and XXXX deposit to my XXXX account ). 

I immediately called XXXX and was reassured that my money had already been sent back to USAA. I called USAA after speaking with XXXX and was told that because it was an external institution, the return of my funds could take XXXX business days. I called USAA again the following Monday ( XXXX XXXX ) for an unrelated reason and also spoke to banking. I was again told to give it another day or XXXX. I spoke to USAA again on XXXX and was told by a representative that it actually can take XXXX business days for my funds to be returned and that I had XXXX options : either wait until Friday, check my account and call again if needed or the representative could go ahead and create a work item to figure out where the funds are. I opted for option XXXX. I checked my account Friday, XXXX, and still no funds. 

I called USAA on XXXX to check on the status of my work item and was told that they had closed my ticket and I was not informed. The USAA representative said that I needed to get a XXXX trace number from XXXX per their request. I called XXXX and was given both their trace number and the USAA XXXX number. I then called USAA again and was able to create another work item for them to find my funds. 

I just received another notification ( XXXX ) from USAA saying they need another trace number ( already given ) and/or to reach back out to XXXX despite them having already released the funds back to USAA. 

It is now over XXXX weeks since the initial transaction and neither bank is being helpful towards me with getting my money back. This whole process has been entirely unnecessary and should be significantly more simple than it is. I made a test deposit from my XXXX account to my USAA account and the money was in my account same day. It is unacceptable that XXXX weeks later, I am still missing {$10000.00} because either company has not sent the money back or they have not routed it back to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-25
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Deed for my property XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) received on XXXXXXXXX ( XXXX XXXX XXXX Equal Housing Lender NMLS ID XXXX Home Lending Officer-XXXX Virginia. XXXX, VA US effective XXXX. No escrow/financing is available for XXXX XXXX XXXX ). Deed for ownership of The Estate at XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX ( property ID XXXX ) Deed for price points earned with XXXX ( Product Development ) through XXXX. I have decided to use the third-party clearing agency, XXXX XXXX due to life insurance policies being used as collateral by XXXX XXXX XXXX. I would like to issue a lien for her estate in XXXX, VA until a payment is made. I would like to report an {$300.00} penalty for unauthorized use of deed. This document is for official business use only. I would like to associate the IRS link from XXXXXXXXX with this document ( https : //www.irs.gov/XXXX ). This link also traces to the First Quarter Income for XXXX dated XXXXXXXXX in the amount of {$200.00} XXXX. My mortgage with XXXX XXXX has been overmodified. The reconciliations have been made. Please reference the IRS judgments issued on SEC report XXXX dated XXXXXXXX and the attached document of VHDA penalties for XXXX XXXX. I would like to adjust the judgments for XXXX XXXX, XXXX XXXX, and XXXX XXXX. All three parties will be responsible for a judgment in the amount of {$83000.00} that totals {$250000.00} for life securities fraud. Each party will be responsible for a yearly payment of {$2300.00} for the next three years. The payments are to be made monthly in the amount of {$190.00}. XXXX XXXX 's total judgment is a {$XXXX} XXXX payment for the next three years. She is responsible for a yearly payment of {$500000.00} for the next two years. Payments are to be made monthly in the amount of {$41000.00}. XXXX XXXX is responsible for quarterly payments in the amount of {$560000.00} to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX and XXXX XXXX ) until the {$XXXX} XXXX balance is paid in full. All other judgments are as imposed. A quarterly audit will be imposed on XXXXXXXXX. There should be a discharge for all properties effective XXXXXXXX. There should be no lien on my properties. Insurance for all properties and entities are covered through XXXX XXXX. An amount of {$34000.00} should be left after closing costs that were computed and sent to the FDIC yesterday upon appraisal of my property XXXX XXXX XXXX, XXXX, VA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: CarMax, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX : This is my fathers credit, XXXX XXXX XXXX. I am XXXX XXXX XXXX. Two different people, THIS IS NOT MY ACCOUNT AND NEVER WAS! REMOVE FROM MY CREDIT REPORT PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: AR Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I attended XXXX XXXX XXXX College for the spring XXXX semester. I have paid all monies owed to the school directly and have an invoice showing that I paid and have a {$0.00} balance as of XX/XX/XXXX. AR resources inc ( debt collector ) continue to report that I owe them the full semester registration amount even after I have sent them proof that this debt has been paid. I have contacted them several times directly and forwarded AR resources inc proof of the payment but they continue to report that I owe this debt to them. I have also disputed the debt through the credit reporting agencies with no effect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want TD Auto Finance off my credit report all together. This is Unauthorized and unverifiable. According the FCRA this account is unauthorized and it must be removed asap or Im filing a law suit.

Company response to consumer: Closed with explanation