BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-31
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
The Experian Web site has repeatedly declined my requests to add a Security Freeze to my Experian credit file. First, for consumers like me with an Experian online account, information on adding a Security Freeze is difficult to find when logged in. Despite highly visible information on how to lock ones credit file ( at $ XXXX/mo. ), theres no upfront information on how to freeze ones file ( one-time {$5.00} fee ). Instead, the customer must search deep into Support information to learn about Security Freezes. This may increase the companys revenues by channeling customers to the higher cost option, but it provides a disservice to many customers who need only a freeze. After finding the online application to add a Security Freeze, I completed it, but it was declined. ( The application and decline are hereby attached for reference. ) Instead, I was asked to mail in a hard copy application. Because a mail-in application entails significantly more time, effort, and cost to me, and because I would thereby expose my sensitive personal information to additional risk of theft, I demand the company fix their online application process, so that a Security Freeze may be added securely and expediently by electronic means. I wish also to refer to my CFPB complaint # XXXX, in which I document how Experian Web site errors recently prevented me from monitoring my Experian credit report, as an another indication of how poorly Experian is serving consumers.

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 2019-05-25
Company: Early Warning Services, LLC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I want to write a complaint for Zelle money transfer service. I am a XXXX XXXX and I was looking for potential roommates off campus at my local University so I could renew the lease on the house I was staying at since some of my roommates were leaving. One girl messaged me through a common roommate website used by students called XXXX and told me she was doing an internship out in XXXX but she wants a room in the house when she returns in XXXX for summer classes. She gets me in contact with her father so that he can send me a security deposit for the room. The check I received was for {$3300.00} instead of the {$850.00} for the security deposit. He tells me his job mustve sent me the wrong check and since he is " out of the country '' as well, he wanted me to deposit the check and to send him and his brother the rest back. I deposited the check and the balance showed up in my account so I sent him {$2000.00} total through Zelle believing the money was in my account. I sent {$1000.00} on XX/XX/XXXX and another {$1000.00} on XX/XX/XXXX. For the rest of the money, he convinced me to send it through XXXX XXXX. My XXXX XXXX order was placed on hold and they told me to call them. They asked me several questions and then they explained to me that I was a potential victim of scam. I believed everything was fine until I checked my banks mobile app again and it now says that the check has not been fully processed until XX/XX/23 and I realized that the check would bounce ( it ended up being a fraudulent check ). I tried calling Zelle to report the scam and they told me it wasnt their responsibility to report anything. I understand they do not want to refund any money but all I was asking was to help me locate the account and individual where my money was transferred to but they still refused. This is exactly how scammers get away with exploiting people. They know that banks and these money transfer companies are compliant and will allow them to continue exploiting people without any repercussions. Zelle did not have effective security measures such as XXXX XXXX which successfully blocked my transaction and helped me identify that this was a scam and blocked the transaction from occuring. Now that I realized I am a victim of a scam, I looked online and there are several reports and news articles explaining that Zelle is commonly being exploited by scammers because of their lack of security measures. Meanwhile, Zelle has not addressed to their clients that their services are commonly being exploited by scammers and they did not effectively warn clients through emails or other resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus put stuff on my credit report without even warning me about it. The following accounts were fraudulently opened in my name. I did not make the charges and I never received any correspondence from them.. Please remove the accounts XXXX XXXX, XXXX XXXX XXXX..they have nothing to do with me

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 2018-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX XXXX has not proven or justified the issue of the California All Purpose Certificate of Acknowledgment to how XXXX XXXX XXXX the notary sign and Witness me being XXXX XXXX personally appeared on the document to make the instrument being the deed legally binding. 

I have attach the document as proof and have sent it to document places to get the document verified as it is the same signature that did and sign and fill out the document. 

XXXX XXXX XXXX XXXX has yet to give a truthful answer its all ways something I did not request or some slick talking or trying to act as if there not at fault.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I have requested for Experian to remove the XXXX accounts. XXXX XXXX XXXX account number XXXX from XXXX and account number XXXX XXXX XXXX XXXX from XXXX. Both accounts are extremely old and I am within guidelines to ask for the old accounts to be removed from my Experian credit report. I have never paid on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
Gift card for purchase in the amount of {$50.00}. One item was returned, and the other was kept. However, the merchant did not credit my account the full {$50.00} for the gift certificate. {$16.00} us still due. I'm being harassed by Bank of America to provide the information and explanation 3 times now. If this business were conducted in the United States, they might be able to understand English more fluently.

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 2017-12-31
Company: Experian Information Solutions 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:
XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not physically walk into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.

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 2018-01-02
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I 've been trying to submit complaints to XXXX for months to no avail. They are failing to investigate the inaccuracies i am finding on my credit reports. Can they do that? I 'm sure there 's no possible way for them to suggest that my letters are not coming from me. I 've also contacted the creditor XXXX and they failed to respond as well. Is that legal? Can they do that? Just ignore my disputes like that? 

XXXX # XXXX This account is listed under MEDICAL. I 'm sure i 've never given ANYONE permission to share my personal medical information. I take that very serious. I 've contacted XXXX and requested a medical release form THEY IGNORED ME. There 's no way possible this account can be verified if they could n't verify it to ME. Please remove. 

# XXXX XXXX XXXX # XXXX I have NEVER done business with nor have i been contacted by this company. This company has NEVER reached out to me about this debt Clearly they have made a mistake. Please remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: Penn Credit Corporation
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
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: Their investigation did not fix an error on your report

Complaint:
For approx 11months I've had numerous errors on my TransUnion report and the credit bureau refuse to remove errors per FCRA.

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 2017-12-31
Company: EQUIFAX, 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:
XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not XXXX XXXX into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
The credit bureaus put stuff on my credit report without even warning me about it. The following accounts were fraudulently opened in my name. I did not make the charges and I never received any correspondence from them.. Please remove the accounts XXXX  XXXX  XXXX XXXX XXXX..they have nothing to do with me

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 2019-10-08
Company: EQUIFAX, INC.
State: MA
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:
EQUIFAX is reporting my XXXX XXXX XXXX XXXX XXXX account with a late payment and that is inaccurate, I have never been late on this account. Delete late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: Coastal Credit, LLC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
Hello, I made the finally payment on my account and the company sent me the title for my vehicle. I check my credit report and it still states I owe the company {$160.00} and was last reported on XX/XX/2019. I paid my account to a XXXX balance. I contacted the company to try to resolve this issue and they stated they couldn't help me out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Transunion has broken the law by willfully reporting inaccurate information on my consumer report cuasing me harm. I have made attempts with Transunion to have these inaccurate items deleted and they continue to furnish these inaccurate items on my consumer report stating they have verified they without providing proof of such reinvestigations. Immediate deletion of these items is demanded to stop the harm Transunion is cuasing myself. Congress has set up an elaborate system to assure accurate credit reporting, Transunion has assumed this vital role and its their grave responsibility to report accurate information on consumers. Congress also states willfully noncompliance Transunion will be civilly liable for these violations of 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 non-monetary relief
Consumer complaint received 2022-02-12
Company: Westlake Services, LLC
State: SC
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 and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2017-12-31
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:
XXXX XXXX, Senior Collector at XXXX XXXX XXXX XXXX contacted me on XX/XX/XXXX about my account being negative. Since it was a new account I had just opened in XX/XX/XXXX, I had not even used the account yet. I was only able to set up my direct deposit from my part time job. I replied to XXXX 's email stating that my XXXX account was hacked and fraudulent purchases were made. Because my new bank account was attached, it tried to withdraw from it. I contacted XXXX and they closed my account and I had to create a new one. I even provided her with the email from XXXX in regards to the fraudulent charges. The bank told me I had to physically come inside the bank to dispute. At the time, I lived in XXXX, GA and could not XXXX XXXX into any branch, therefore opening up a dispute online through their secure inbox. Even after providing proof, they still didnt close the account for fraud and began reporting this on my credit report. I have attached the conversation between me and XXXX from Florida Commerce.

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 2019-10-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear CFPB and BMO Harris, I applied for a new BMO Harris Smart Advantage Checking account and a new Statement Savings account on XX/XX/19. At the time, BMO Harris advertised a {$300.00} bonus for the checking account and a {$200.00} for the statement savings. ( I have attached a print out of the application page that confirms the promo code was attached to my application. ) Both accounts were opened on XX/XX/19. 

The terms and conditions for the bonus, which I also provided as an attachment, specify that " the bonus is paid approximately 120 days after opening. '' Since more than 120 days had passed since my accounts were opened, I contacted BMO Harris via secure message to get an update and inquire about my pending bonuses. For your review, I have attached my secure messages.

A representative of BMO Harris claimed that I have met the requirements for the Statement Savings {$200.00} bonus, however, that I did not meet the requirements for the Smart Advantage Checking {$300.00} bonus. For your review, I have attached the first two statements for the Smart Advantage Checking account which clearly show the required opening minimum deposit of {$25.00} was made, the 10 debit card purchases within 90 days of account opening were made and that the PPD deposits over {$500.00} were made on two consecutive months to meet the requirements for this bonus.

I decided to file through CFPB upon discovering of numerous complaints online regarding BMO Harris ' reputation for not issuing bonuses to depositors who have met promotion requirements. If any party would like additional information or evidence, kindly reach out to me. Thank you very much.

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 2021-09-20
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 MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION OR RESPONSE TO CORRECT MY DISPUTES ON INQUIRIES I DID NOT AUTHORIZED, LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF AND ACCOUNTS THAT DONT BELONG TO ME. A LETTER OF EXPLANATION IS ENCLOSED.

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 2020-07-11
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I want a third party to have access to my pnc checking account for the purpose of saving extra money. PNC has blocked access even when I enter my username and password.

Company response to consumer: Closed with explanation