BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
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 multiple disputes to Transunion, XX/XX/XXXX andXX/XX/XXXXabout the identity theft incident that I was involved in last year, they have failed to respond to any of my disputes and they have broken multiple laws in the FCRA and the Consumer rights act I am asking the CFPB to reprimand them for violating multiple consumer laws and failing to validate any of these fraudulent accounts that they are reporting.. I demand compensation as I have been sick with XX/XX/XXXX and haven been able to work or receive assistance due to their reporting of this false information on 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 explanation
Consumer complaint received 2022-04-26
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've been trying to erase false information from my credit report for the past 6 years, but XXXX refuses to provide me with legitimate paperwork to prove legitimacy. I have XXXX accounts that have been on hold since XXXX. However, they are reporting these accounts 180 days late for whatever reason. I have all of XXXX XXXX  emails from XXXX as well as phone calls to XXXX and XXXX to rectify inaccuracies on my credit report. 
I called AidVantage Manager XXXX ID XXXX from the Department of Education today, and AidVantage was quite rude, refusing to allow me talk, and denying that my certified mail had been received, which is false. 
I filed dispute again today XX/XX/XXXX with XXXX XXXX from dispute department XXXX XXXX. 
Its affecting my ability to receive loan for my business or advanced financially. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried several times to contact TRANSUNION to temporarily lift a security freeze on my credit report. Every time I try, their website is not working, and when I call, I am placed on hold for over an hour. The other reporting bureaus make this a painless process, but TRANSUNION makes this a very difficult process. Please help.

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 2021-01-05
Company: HUNTINGTON NATIONAL BANK, THE
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Good Afternoon, I opened a HUNTINGTON 25 checking account around the beginning of XXXX. This process was awful from the beginning. The advertised terms were deposit $ XXXX for 3 months and receive a {$500.00} sign up bonus. I opened an account with Huntington and then initiated a transfer. Approximately one week after initiating the transfer, the money had not been successfully showing in my Huntington Account. I called Huntington around XX/XX/2020. I was told my account was on a Fraud hold and I needed to show ID in branch. I was not informed proactively of this hold on my account. That is very shady in my opinion. How can you have someone's {$25000.00} transfer for their personal XXXX XXXX XXXX XXXX account on a fraud hold without letting them know. My Deposit showed with an effective date of XX/XX/2020 with Huntington. 

On XX/XX/XXXX or XX/XX/XXXX I had yet to receive my {$500.00} promotion. I called Huntington and asked why. They informed me it was because the deposit was classified as a credit, not a deposit. To me, putting money in bank account is a deposit, the method of transfer is irrelevant. If I would have deposited the $ XXXX in cash I would have had a anti-money laundering SIR opened against me. Therefore, transferring and having an electronic record of from where the funds are coming are the better, safer way of depositing money. I asked the representative to open a case for research on my behalf. I was told my case number was XXXX. 

I contacted Huntington bank on or around XX/XX/2020. I provided the case number and the representative put me on hold. About 10 minutes into my hold the phone disconnected. I tried to call back. A day or so later I called again, was put on hold by the rep and about 10 minutes later the call disconnected. 

Today, XX/XX/2020, I called and spoke to a representative. Before putting me on hold, I explained to her that this has happened in the past and the call disconnected. 18 minutes into the phone call the call disconnected while still on hold, again. Fortunately, the Representative called me back. I was told my account was not eligible for the bonus as it was not 'new money ' because it was transferred from another account as its deposit and not cash or check. As a consumer, reading 'new money ' I interpret that as money not with Huntington . 

To me, this is a classic example of a bait and switch. Completely unfair advertising practices and taking advantage of people. 

Please review this and help my wife and me. We are trying to start a family and need to have IVF. We must pay out of pocket for all of our IVF treatments and the $ XXXX we deposited is the money we have set aside for the procedures. The {$500.00} bonus was very important to us to help start a XXXX if we're fortunate enough to have a child.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my 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

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 2021-01-05
Company: SYNCHRONY FINANCIAL
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:
On XX/XX/2020 I noticed two debits for {$0.00} and {$0.00} from our joint checking account by XXXX that I did not recognize. I then received a letter on XX/XX/2020 that was dated XX/XX/2020 from Synchrony Bank and PayPal Credit stating they received an application for a new account on XX/XX/2020. They stated they could not open the account as they could not verify my identity. I can provide the reference # in the letter from Synchrony Bank and XXXX to identify the correspondence. I called Synchrony Bank on XX/XX/2020 and they confirmed someone used my identity to apply for an account with XXXX. They provided a phone number of XXXX for XXXX and instructed me to call them. I called XXXX and after 15 minutes of being on hold they answered the call. I spoke with an employee named XXXX with ID # XXXX. They told me they had to transfer me to the correct department. They transferred me and no one answered after I stayed on hold for three hours.

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 2023-04-19
Company: EQUIFAX, INC.
State: NJ
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:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my 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

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-11
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I last used my American Express Serve Card on XX/XX/XXXX when I received a refund from XXXX. I did not know that American Express Serve made my Social Security XXXX Deposit early because I just started receiving my SSI payments on the card in XX/XX/XXXX. Therefore, knowing I did not have a balance on my card I didn't check my account because I had no reason to until XX/XX/XXXX when I knew my SSI payment would have been deposited so I could pay my bills. I only get {$500.00} per month it isn't much to live on. When I went to check the balance my transaction summary showed that a government deposit was made on XX/XX/XXXX in the  amount of {$500.00}. There were numerous transactions made on the card for the week of XX/XX/XXXX that I did not make. I was shocked. Actually I cried because I freaked out. I called American Express Serve and spoke with their investigating fraud department and asked how is it possible for this to happen when I have the card and I did not give anyone permission to use it. The person I spoke with kept referring to my deposit as a tax refund deposit and I kept telling him no it is SSI deposit. He asked me how is it possible for charges to be made on my card if it was in my  possession? I told him I don't know that's what I would like to know! He stated that " the card was used in your area and their were withdrawals made from atm 's ''. I said, " okay '', so tell me how is that possible? How is that possible? I have used the card online. I have no idea how theives do what they do I don't know who works for this company or what. He told me they would investigate the claim. I asked him if I was the only one that had this complaint or were there other people having the same problem with their accounts? He said there were other people having the same problem. I asked how many alot or a little? He said a lot. I said any that live in my area? He said yes. Then he said it would take ten days for them to make their decision and the probability would be that my claim would be denied. I was like what? You lose my my SSI payment and your not going to pay me back? I asked if they are FDIC insured because I know that they are and he said he didn't know. Great! I was so upset I hung up. To date I have not received my new card and I have heard nothing back nor have I received my SSI money that was stolen off my account. I have no clue how it was done. I need my money to survive and I barely can do that. Please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX has failed to remove fraud alerts and unlock my report and it has caused an extreme amount of inquiries to accumulate on my report in attempt of credit rerun attempts that have been made. The automated phone system makes statement that confirms my report is unlocked and asks if I would like to lock. Based on the information that my report is confirmed unlocked credit has been attempted several times. I demand XXXX to delete every inquiry that is a multiple. Only one of any credit inquiry should remain as one inquiry. This alert and lock has prevented me from obtaining credit and is creating detriment from the inability to be approved for credit due to excessive inquiries and fraud alert and credit locked. This is the direct cause of our lives becoming unable to move forward and it is a violation of the reporting law to fail to fairly report my information and XXXX is violating my rights to fair credit reporting. Additionally I would not have had any issues if not for the act of XXXX to fail to provide true information regarding my report status. I did not ask for a fraud alert to become placed and although in the past there was reason to assume that need, I do not agree to it and demand removal of this so that I my be capable of purchasing a vehicle. Currently all Inquirer 's listed on my report are not authorized. Numerous attempts to assist me in obtaining financing were made without my authorization to rerun credit.

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 2018-03-30
Company: HOVG, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive a call every morning between XXXX and XXXX XXXX from XXXX. They are looking for my ex-husband. I have called the number repeatedly and never get a person. I have left messages with his phone number, explaining that he does not live here. The calls continue. Every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: MA
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2022 I sent TransUnion via certified mail tracking number XXXX a letter informing them of inaccurate and unverified information being reported on my credit report. I asked TransUnion to remove the inaccurate and unverified account. The accounts have not been removed. On XX/XX/2022 I asked for TransUnion to provide information as to how these accounts were verified via certified mail tracking number XXXX and never received any verification information, and did not receive any information. On XX/XX/2022 I sent another letter to TransUnion via certified mail tracking number XXXX that they have neglected to respond to my letters within the allotted time and had not provided me information as to how the alleged accounts were verified. The continued reporting of this inaccurate and unverified information has severely damaged my ability to engage in basic financial activities like applying for lines of credit and has had a very negative impact on the well-being of myself and my family. 
The alleged accounts that have not been verified and must be removed are as follows. 
XXXXXXXX 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
Consumer complaint received 2023-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My Bank of America checking account of 20 years suddenly included a XXXX XXXX  monthly fee beginning in XX/XX/XXXX. I only discovered the fee in XX/XX/XXXX. Called the bank and took 1-1/2 hours to learn that my checking account was a type that had " no fees '' if I met criteria for combined balances across all accounts. There was a very long grace period if I didn't meet the criteria. I asked to change to another account type with a lower fee, but was told if I do that, I will then have additional fees added to my linked savings accounts at the same bank, which would cancel out the savings on the first account. Seems like I'm stuck -- and most importantly, I can't find any record of the bank informing me of these requirements or the changes to my fees. I feel like i should have been warned. I also asked to have the fees from 8 months ( {$200.00} total ) refunded. B of A only agreed to refund two fees ( {$50.00} total ).

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 2022-03-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am so puzzled of what is happening with you ( CFPB ) and the bureau ( EXPERIAN ). I've submitted this complaint 3 times & you are claiming its being submitted by someone other than me or that there is no file on record. Seems like a lot of passing the buck or no accountability. Whatever the reason, It's driving me up the wall. The account listed below was opened due to identity theft. I've provided you ( CFPB ) & EXPERIAN with an affidavit & FTC fraudulent report to support my position. It seems EXPERIAN is violating FCRA sections 611, 616 & 617. They have provided ZERO VERIFIABLE PROOF & I feel are willful noncomplying and being truly negligent. I'd like these accounts blocked or removed based on 605b. This is my final request before I get my attorney involved because this matter has been creating an insane amount of emotional & physical distress. It's caused me restless nights & has caused me to miss work. My attorney told I should just sue for violations in FCRA laws. I'd prefer to NOT get litigious. Please see this matter is handled. I'd like the account removed/blocked per 605b with the attached documents again... Thanks 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 2023-02-20
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, Account number : XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: ClearOne Advantage, LLC
State: MD
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:
On XX/XX/2019 I contacted Clearone Advantage to try to receive help lowering my credit card interest rate. Upon speaking with the customer service rep, XXXX XXXX, I felt a little uneasy due to the personal questions he was asking me such as SSN, address etc. I was just calling to get a feel of the company and their workings to see how they eliminate debt. I was not ready to move forward with a debt consolidation plan or to have the company pull a credit report, however I felt some what pressured by the rep. Instead of giving him my personal information which he was asking for he said that he had a copy of credit report readily available and he read off my personal information to me to confirm. This was surprising because I did NOT give ClearOne consent to pull my credit. After our call I received notifications from the credit bureaus regarding the hard inquiry. I was highly upset and feel that the inquiry should be removed as I never gave permission to pull the report.

Company response to consumer: Closed with explanation