BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting 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 reviewed my Consumer Reports and noticed that I have inaccurate late payments on this account. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. Account : ( XXXX ) : ( XXXX ) Please remove this account from my 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 non-monetary relief
Consumer complaint received 2022-09-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My account with XXXX was transferred to Citizens bank due to a merger between the companies ( XX/XX/2022 XXXXish ). I signed up with XXXX for an account that did not allow overdrafts. If XXXX allowed my account to overdraft, it was their fault and so they did not charge me overdraft fees. When Citizens acquired XXXX, they took it upon themselves to change my account to one that allows overdrafts and overdraft fees ( since it's a way for them to earn more money ). When the ONLY branch in Maryland closed for remodeling, I was forced to change my {$7000.00} monthly direct deposit to a bank with actual branches. However, I still had some small {$30.00} bills that auto-pay from the Citizens account so I would XXXX  the XXXX money to cover those expenses. 

On XX/XX/XXXX, a monthly auto-pay subscription charged my account {$5.00}. This caused an overdraft of {$3.00}. Then, two more smaller transactions occured bringing the total overdraft to {$6.00}. I was charged a {$35.00} fee for this {$6.00} overdraft. On XX/XX/XXXX, I was notified by Citizens that my XXXX account was deactivated. This made it very difficult to get actual cash into the bank to cover the {$6.00} overdraft. From XX/XX/XXXX- XX/XX/XXXX, I was charged an additional {$90.00} in overdraft fees for " extended overdrafts ''. When I called about XXXX on the XXXX, customer service did not notify me of my overdraft or the potential of additional fees.They offered no assistance or advice on how to remedy the loss of my XXXX. 

For an overdraft of {$6.00}, I have now been charged {$120.00} on a 15 day overdraft of {$6.00} ( equivalent to an interest rate of more than 1800 % ). I called and although I never agreed to an account that allows overdrafts, I was told I was automatically assigned to this account type. The EverValue Checking account offered by Citizens does not allow overdrafts and, therefore, does not charge overdraft fees when Citizens CHOOSES to allow the account to overdraft. THIS would have been the most equitable account to transfer me to from my similar XXXX account. 

I am requesting the {$120.00} in overdraft fees to be refunded as 1800 % on a 15 day loan of {$6.00} is excessive and unfair. Other banks do not charge fees when you overdraft less than {$5.00} ( the initial overdraft was {$3.00}, less than {$5.00} ) and some are less than {$10.00}. Citizens is taking advantage of unsuspecting XXXX customers who were not previously allowed to overdraft and gouging them with unreasonably high fees. Additionally, on XX/XX/XXXX, I was not informed that my account was overdrafted and I was at risk of having additional fees charged when I called about the XXXX deactivation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX/XXXX ... .National Credit Cards/Airlines 4.XXXX XXXX .... 
inquiry date : XXXX inquiry date : XXXX 2.XXXX/XXXX .... 5. XXXX XXXX .... 
inquiry date : XX/XX/XXXX inquiry date : XXXX 3.XXXX .... 6.  XXXX XXXX ... 
inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: GA
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:
Experian inquiry Removal XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/XXXX Covid 19 Relief Program which prevented late payments to be reported. 

XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Late Payment Date : XX/XX/XXXX Never Late inaccurate reporting which is against consumer law.

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 2021-02-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Re : Bank of America XXXX XXXX XXXX XXXX, DE XXXX On XX/XX/XXXX, I notified BofA that I have not received statements for my credit card purchases for 2 months. On XX/XX/XXXX I received the bill for the period XX/XX/XXXX XX/XX/XXXX, with a due date of XX/XX/XXXX. I paid the new balance of {$640.00}, which is payment in full for this period. 

Now it is a month later, and I have still not received any statements for any period beyond XX/XX/XXXX. Now on XX/XX/XXXX I am writing a third letter requesting timely transmittals of the statement for this credit card account. I can not make payments on time if I do not receive statements.

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 2023-01-10
Company: TRANSWORLD SYSTEMS INC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recieved a medical collection otice form Transworld Systems Inc for MY MINOR age SON who is XXXX and not responsible for any medical bills. So the sompany should have verified who the debt should have been sent to and not sent it to a minor.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX  in XXXX Ca pulled my credit file without any authorization whatsoever from me in XXXX. This has had a damaging effect on my credit file. I contacted the credit bureaus and they are telling me they have no control over what they report and print, That the only one that can remove this is the [ party that put it on, in this case XXXX XXXX. 

These guys pulled my credit in XXXX with my permission to do a refinance of my home. Then they went and pulled it a second time in XXXX without my permission. This is Illegal and against the law. My name is XXXX XXXX and my social sec # is XXXX my dress is XXXX XXXX XXXX XXXX XXXX ca 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 2023-04-24
Company: LEXISNEXIS
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I submitted a complaint back on XX/XX/XXXX complaint XXXX XXXX  regarding Public records Case XXXX XXXXXXXX and Case XXXX XXXXXXXX and this company continues to report inaccurate false information on my consumer report. I have provided proof and all they seem to do is play the blame game and I'm tired of the lies. On XXXX XXXX  responded the following to me via CFPB : Company responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with non-monetary relief Company 's Response After careful review, we have determined the information submitted in the portal included a dispute of information appearing on your credit report. XXXX has processed your request and forwarded a copy of the Investigation Results through US mail. You should expect to receive those results in approximately 7 business days. 
DESCRIPTION OF NON-MONETARY RELIEF In response to your request, the following actions were taken on your credit file : You disputed the following Personal Information on your credit file. Below includes the actions taken : Address - UPDATED You disputed the following accounts and/or public records on your credit file. Below includes the results of that investigation. XXXX XXXX XXXX XXXX AS REPORTED ( 2 ) XXXX XXXX XXXX-DELETED ( 2 ) XXXX XXXX XXXX XXXX-UPDATED XXXX-UPDATED XXXX XXXX XXXX XXXX-UPDATED XXXX XXXX XXXX/ XXXX XXXX . 


Now this says they verified as reported from XXXX XXXX XXXX XXXX Alabama which is false reporting because I have a letter from the court stating they DO NOT report to any agencies. Secondly I called them on XX/XX/XXXX spoke with a XXXX supervisor and was told it was verified through XXXX XXXX which is also false because I also have proof from XXXX XXXX stating the inaccurate records were Deleted on XX/XX/XXXX the supervisor then tells me that when they submitted the reinvestigation Lexis Nexis verified these Public Records and told me its not them I need to contact they are placing blame on Lexis Nexis. Now here is the crazy part I provided documentation from Lexis Nexis after I filed a complaint with them through this same portal showing that these cases had been DELETED and they still continue to LIE. If these PUBLIC Records are not removed from my consumer report immediately I will seek litigation against XXXX or LexisNexis if I continue to be violated with this false inaccurate reporting. At this point I don't know who is lying or telling the truth XXXX or LexisNexis but get the XXXX straight because yall are defaming my character, causing me emotional stress, mental anguish and costing me time and money not only that but this is past violating the FCRA law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-15
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
XX/XX/2021 Its been weeks and months and Ive gotten no response from Binance.US. I have over $ XXXX in my portfolio and I am unable to withdrawal to my bank or send to another crypto wallet. Please upvote to get my ticket responded to ASAP. 
I tried a small test transaction to whitelist approved wallet address as well as my bank account ( same account I used to deposit all funds ). I have had a Binance.US account for over a year. I am still getting the same withdrawals suspended due to risk management. I have had my past tickets closed for trying to get help on what additional info they need from me to mitigate risk and no response. 


Latest ticket number is # XXXX Update XX/XX/2021 Funds just shy of XXXX now I had two people from Binance.US respond to my ticket asking for XXXX material. I responded immediately with all the same/matching material and info as I signed up with. That was a week ago. I followed up to that email today and still no answer. 
The most helpful info I received was to reach out to my states Division of Securities to have them write a letter to Binance.US. A user here did that and received their funds along with Binance.USs attorney asking them to keep the situation hush. Its sad but I guess the only pressure they respond to is legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Paypal Holdings, Inc
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PAYPAL " XXXX XXXX XXXX  '' offer. Purchase : XXXX. Item : XXXXXXXX XXXX XXXX. Total Amount charged : {$110.00}. 
Item was purchased on XXXX through Paypal which is authorized to charge a XXXX credit card. 
The item was not received. 
The USPS has verified nonreceipt in writing. 
Paypal continues to harass me for payment and demand USPS proof of nondelivery while making it impossible for me to provide such proof. 
Paypal 's method of online providing of proof will not work on my computer. 
Paypal refuses to provide a postal mailing address so I can provide proof. 
Paypal refuses to refund amounts wrongfully charged to me because it does not have the proof it has made impossible to provide.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: LA
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 applied for a XXXX credit card because it is advertised on their site that you can PREQUALIFY WITH NO IMPACT TO YOUR CREDIT SCORE. I was declined, and I received a notice from Experian that a hard inquiry was taken on XX/XX/2022 from XXXX XXXX. I called Experian and they stated that only XXXX can remove the inquiry. I called XXXX and they said that they will not remove the inquiry. I believe this is fraudulent on the part of XXXX and unscrupulous. I would never have applied if I knew it was going to be a hard inquiry. I have a screenshot of the website where it says there will be not impact to the credit score. XXXX told me initially ( 2 different people ) that it doesnt say that!! At this point, Experian and XXXX are passing me back and forth and I am working on my credit and Im left holding a hard inquiry. Totally wrong.

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 2022-04-08
Company: ACIMA CREDIT, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have been trying to correct my credit report with this company for close to 2 years. They fail to properly respond to my request to investigate or provide documentation on why they are showing this to be a charge-off/collection account. Their lack of caring to properly report this account on my credit has caused me to lose job opportunities because of their careless actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: NEW YORK STATE HIGHER EDUCATION SERVICES CORPORATION (HESC)—
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was under the impression that my loan was in deferment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
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 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 explanation
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
There were several occasions where Ive had a XXXX  as well as other payments and charges that was held until I had a NSF fee attached brocade they sent in other smaller payments before the bigger payments.

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 2022-08-09
Company: NORTHWEST BANCSHARES INC
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My previous compliant, # XXXX, submitted on XX/XX/22 was not addressed by Northwest Bank XXXX XXXX XXXX did not address my compliant. She referred to a previous compliant, stated they reviewed previous documentation provided by myself and that I did not submit a new issue. Everything I submitted XX/XX/22 pertaining to advances being taken on my parents equity loan that they did not take, is not the same documents I previously submitted to Northwest about the fraud. XXXX XXXX attached copies of advances that are not the ones I submitted the compliant about. I am not disputing the copies she provided, its the dates that I provided in my previous compliant # XXXX that I am stating were not taken by my parents. I've including in this compliant the procedures Northwest provided as to the different ways to request/take out an advance, which none of those occurred with how the advances in my compliant, showing my parents did not take those specific advances when they were in Florida. They did not drive back to Ohio in a day to personally walk out of the bank with cash of those amounts that I am disputing was not taken by my parents.

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 2022-04-09
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft and violating my consumer rights. On several occasions, they have manipulated the debt amount to make it seem like there has been activity on the account and that I have paid, when I have not. They also have reported past due balances to the credit reporting agencies and per FCRA on furnisher rules, it is against the law. I have included screenshots of all these egregious actions. I also have never given NATIONAL CREDIT SYSTEMS permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 

I haven't even received any documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS cant provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to XXXX ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence, like a trilateral contract, and receipts of when I paid money on the alleged debt that would make the price increase and decrease ; and that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: EQUIFAX, INC.
State: GA
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:
you meaning cfpb did absolutly nothing to correct this problem with XXXX XXXX i reported this problem several times to you about how they have negatively affectec my credit to which you did nothing and did not care this was already on my credit reort by XXXX XXXX and XXXX XXXX bought the debt and charged more and marked my credit with another mark and charge off which is and should be illegal iam taking this higher after being given no choice to pay this amount of XXXX to get this removed iam getting a attorney these guys are bulleys and scammers taking advantages of people and you guys do nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 account was sold by XXXX and paid not reporting accurate

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