BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
In XXXX and XXXX of 2021, I filed a dispute with this credit bureau about the unverified and inaccurately reported collection account : XXXX XXXX XXXX  Account number XXXX that was reporting a different date of last activities and XXXX XXXX Account number XXXX that is still in dispute after 60 days. In those 2 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 60 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about thes 2 unverified accounts as of today. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: DISCOVER BANK
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:
SUPPRESS OR FLIP TO SOFT INQUIRY IN XXXX  ACCOUNT. 

UNFAIRLY TRIGGERED INQUIRY RAN DISCOVER REPRESENTATIVE ON XX/XX/2021 IT IS IMPACTINGMY CREDIT REQUIRED AND RESPECTFULLY REQUESTED LETTERS ATTACHED

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: U.S. BANCORP
State: TN
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 have contacted US Bank regarding an entry they have listed on my credit reports. In a recent letter that I received from them dated XX/XX/20 regarding this reporting, they said they have reviewed the information and determined it was accurate. This is impossible because I have never had an account with them. I have never applied for an account with them. Never. 
I have asked for them to produce any documents with my signature showing that I have applied for credit with them. They could not do this. I have asked them to provide their method of verification which I have a right to request. They can not provide any methods. They also do not respond within the 30 day time frame as allowed by law. I also understand that I have the right to file a lawsuit against them requesting damages up to {$1000.00} per violation that has occurred. I am going to do so if this entry is not deleted from my credit files within 15 days of this complaint. This is my last goodwill effort to get this matter handled before I file a lawsuit and go to court.

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 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was reviewing my credit report with Transunion and discovered there are phone numbers on there that are incorrect and should not be listed. I initiated a dispute on XX/XX/XXXX and requested they be deleted from my report. On XX/XX/XXXX I received an email informing me the results of my dispute were available for me to view. I looked at the results and saw that the phone numbers I requested be deleted were still on my credit report with the reason listed as " information updated '' however if the information was updated why are the numbers still on my credit report if they are not 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 explanation
Consumer complaint received 2021-03-03
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: Was not notified of investigation status or results

Complaint:
Sent the attached letters about 50 days ago. I just dont understand why the credit bureaus are not taking responsibility to protect me as a consumer and make sure my credit report is up to date and showing accurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I did not authorize my bb & t or suntrust/truist to temporarily credit my checking account prior to depositing my stimulus checks. Both times had they processed my paycheck deposits correctly and not 3 days after the fact there would have been no negative balance. And even before that the fact that it takes 4 days for my account to reflect my paycheck is absolutely insane. ( My paycheck is from a bbt business account which makes even less sense why it delays ) And trying to see someone at the bank this entire time has proven even more difficult when they change up hours constantly and only has drive through and a line where you wait sometimes an hour just to see a teller. I don't have time to call and or wait around. I understand overdrafts happen and every paycheck I pay that balance. The first time they did this I paid back the entire negative when they took back the first credit I didn't agree to and now again for the 2nd time my account is XXXX and had no idea.

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 2022-08-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XX/XX/2022 evening, hsbc restricted my account without updating me the reason why so the next day i head down to the branch and asked. So they said i have made a repeated transaction via paynow to others and one of my transaction i state it as cat supplies. First of all, all transaction is to myself and no one else and i state it as cat supplies because obviously i going to buy my pet stuff. Hsbc account tht im holding is a savings account. I have been pestering them via calls and heading down to branch. Still there is no updates, even some of the customer service are rude. This isnt fair for them to restrict my account for such a long period and went MIA afterwards.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
TransUnion XXXX. XXXX XXXX, XXXX, CA XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX XXXX   XXXX. XXXX XXXX, XXXX, GA XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims credit reports, blocking fraudulent information from appearing in victims credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL 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 2017-08-01
Company: U.S. BANCORP
State: WA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Unexpected or other fees

Complaint:
My daughter bought me a {$50.00} Visa debit gift card. It was misplaced and I found it the other day. I think it was probably from last XXXX. I tried to activate it, but I could not. I just now called the Visa number and spoke to a representative. She told me that there was a $ XXXX monthly penalty for not activating the card, so now by the time I found it, it was worthless. I thought the card would expire in XX/XX/XXXX.
My complaint is that Visa has taken {$50.00} from my daughter and returned essentially nothing of value. I do not think this is right.

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 2018-07-29
Company: Paypal Holdings, Inc
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Paypal allowed someone to order a debit card and it was sent to my home. The people who ordered it stole my mail and took the card. 

They activated the card and I IMMEDIATELY called when I got the notice of the activation. Within minutes they used the card at a grocery store ATM and purchased a money order at the same store. Total approximately {$1500.00}. They then used the card for an ACH withdrawl at the bank account associated with PayPal {$500.00}. The also hacked into 3 other bank account. 

They thieves went into my paypal account and change the phone numbers. 

I have a police report. We have the person who did it on video from the store. The person who sold the Money Order ID 'd the person from a mugshot I found because Paypal gave me the name of the person who did the ACH. 

Paypal refuses to refund my money. They are essentially accusing me of committing this crime because I logged into my Paypal account 35 seconds before the first ATM withdrawl. 

Seriously? You sent me a mail telling me to call if I did not activate the card. I called and also immediately logged into my account. Within minutes I saw the transaction and was in my car to the store when this happened and the police were called. 

PayPal is acting very irresponsibly in this case accusing me of committing this crime when they allowed someone to hack into my account. They would not even speak with me. They asked for no evidence, no police report. Their Trust and Security team simply made a decision based on my log in. 

PayPal need to be stopped from this kind of activity where they allow breached security and then accuse their own clients. I want my money back and I want paypal to be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08
Company: IQOR US INC
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Unable to reach /talk with a real human to loan rehab my default loans. 
Mailed 2 {$5.00} payments to XXXX XXXX  in XXXX, wi but no one will talk call me back to resolve the matter.

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 2018-03-08
Company: TCF NATIONAL BANK
State: HI
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:
On XX/XX/XXXX I contacted XXXX  to dispute several inquiries I have on my credit report from various car dealerships. These dealerships ran my credit without my knowledge to several lenders thus resulting in a surplus of inquiries on my report. The inquiries under dispute are : XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) and XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXX ( XX/XX/XXXX ). I attempted to have XXXX look into these inquiries and they informed me that they would not initiate an investigation until I had letters from these lenders.

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 2018-12-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Bank of America offered me a XXXX reward points for spending {$3000.00} within first 90 days from opening date. While I was applying for the card on the web, small chat window popped up and insisted help. service representative through the chat window suggested me to go over the phone to finish the paper work, and i did it. 
Today, Bank of America have refused to pay me XXXX reward points ( {$500.00} worth ) because that deal was online exclusive and I finished applying process through phone call. I started process with online form. It was the Bank of America that leaded me from online form to chat window and then eventually a phone call. There was no information given to me saying I will lose my benefit for moving over to a phone. They also refuses to refund {$95.00} dollars annual fee because a card has been active for more than a month.

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 2018-05-25
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: Their investigation did not fix an error on your report

Complaint:
CRA violation no knowledge of the fraudulent account with XXXX XXXX XXXX, Address, Telephone and Inquiries that I did not authorized appeared on my Transunion 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 2021-03-03
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 a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I was awarded XXXX in XXXX of 2020 and XX/XX/2020 my student loans were forgiven by US Department of Education letter received confirmation. Waited 60 days, reviewed my credit reports and I have since written to 3 credit reporting companies for removal of the student loan debt attaching the letter from UD Department of Education showing the debts were forgiven on 4 different occasions via US Mail, no response and the debt hasnt been removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-18
Company: EQUIFAX, INC.
State: NV
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've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Rewards

Complaint:
XX/XX/XXXX on flight XXXX # XXXX my husband and I applied for the XXXX XXXX XXXX card. We were told by the stewardess, the offer was we spend {$1000.00} each within the first 3 months we would each receive XXXX free miles.Over the past few months, we have made several telephone calls to both Citi and XXXX. We were told to wait for the miles to appear on our statements XX/XX/XXXX. Recently, we called were told we are not eligible for the offer as it had changed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-03
Company: Experian Information Solutions Inc.
State: CA
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: Problem with personal statement of dispute

Complaint:
I was awarded SSDI in XXXX of XXXX XXXXnd XX/XX/2020 my student loans were forgiven by US Department of Education letter received confirmation. Waited 60 days, reviewed my credit reports and I have since written to 3 credit reporting companies for removal of the student loan debt attaching the letter from UD Department of Education showing the debts were forgiven on 4 different occasions via US Mail, no response and the debt hasnt been removed.

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 2018-07-03
Company: EQUIFAX, 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 am requesting that XXXX XXXX credit reporting on my credit report be removed. 
The original debtor is XXXX XXXX XXXX Bank Mortgage this debt resulted from a foreclosure. 
The original debtor XXXX XXXX XXXX Bank Mortgage is listed in my credit report. 
XXXX XXXX XXXX is not the original debtor and as such can not hold a credit report on this debt when the original debtor remains in my credit report. Hence my credit report can not have duplicate charges from XXXX different debtors. 
XXXX XXXX XXXX has to be removed from Equifax major credit reporting agency I have written to the three major credit reporting agencies an as of this date removal of this XXXX XXXX XXXX has not been removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
In previous responses ( XXXX, XXXX ), the company ( XXXX XXXX XXXX ) did not provide me with the requested documents. 
I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I encourage a response from you expeditiously.

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 2018-07-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a new IRA account with XXXX XXXX ( XX/XX/17 ) and was supposed to receive a {$500.00} bonus for transferring in $ XXXX+ in holdings. Used promotional code XXXX. Have only been credited {$250.00} bonus instead of the full {$500.00}

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 2018-05-02
Company: Experian Information Solutions Inc.
State: NC
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 a victim of identity theft.

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