BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
UNBELIEVABLE that I need to pay the three credit bureaus to freeze my credit when it was XXXX  who was incredibly irresponsible with my information in the first place. Now they profit from their own negligence. 

Credit freezing, and PERMANENT FREEZES, need to be provided by all three credit bureaus for FREE. Not for a charge, and not for a fixed amount of time. 

It should n't require a police report to be able to request a long-term freeze without paying a recurring fee. 

Also, all three bureaus are heavily pushing their rip-off credit monitoring services. TransUnion is making their credit freeze sites so confusing, uninformed consumers will probably be paying for their credit monitoring service, not a freeze. Where is the oversight? Where is the accountability? 

Step up.

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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
This is my 3rd complaint with XXXX XXXX. I have tried to get my mortgage refinanced for over a year. The first complaint was XXXX was resolved. The second complaint appears to be resolved but is still open. This complaint is regarding my credit report showing delinquent payments, late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I was in bankruptcy and payments were not made during that time XX/XX/XXXX- XX/XX/XXXX but it was removed because of Covid related issues. The bankruptcy was paid in XX/XX/XXXX at which time late fees were added to the mortgage. The mortgage was paid on time for months that it is showing late on my credit report. XXXX states that these payments were put on past payments making them late for the XXXX 2021  months. Once again I am trying to refinance my mortgage to get my exhusband off the mortgage. Every complaint I file with XXXX gets cleared up only to bring out another issue that was not on my statement or credit report prior to my trying to refinance. XXXX is interfering in my moving forward and keeping my home.

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 2019-11-22
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hi CFB, I recently initiated a dispute with XXXX and the reason was a hotel deposit thats charged on my card. I left the hotel after a short stay because of bed bug problem and the services were not provided to me as promised. The hotel took {$1100.00} as hotel deposit and wont return so I initiated a dispute with a bank HSBC and they denied me upfront saying they wont do anything about it because of the hotels refund policy! This is totally unjustified to keep my {$1100.00} and not do anything about it. 

I tried calling the bank and they upfront said that they wont help me at all and can not do anything about it. 

I would request you to please look into and appreciate your help on this matter as soon as possible. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: SUNTRUST BANKS, INC.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
This XXXX on Thursday, XXXX XXXX 2017, I asked XXXX XXXX XXXX for my check cash which was a little over {$5.00} & she told me that she could not cash my check cuz I had XXXX cents balance on my checking account. Then she showed me that the check was from different Bank company, not Suntrust Bank. I told her so. I had checks cashed several times with small amount of balances on my checking account before. What is more, I will have direct deposit on every 3rd of each month. Also, I informed her that I was XXXX. She would not write to communicate with me being XXXX I even begged her PLEASE write me. That was 3 times to tell her please write on my writing note in nice way. She refused to write to communicate with me being XXXX That is against ADA law to refuse accommodating by writing on paper & pen to XXXX XXXX XXXX customers. She broke ADA laws by refusing to XXXX XXXX XXXX on paper & pen with me being 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 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
In accordance with the Fair Credit Reporting Act- XXXX, XXXX and Transunion has violated my rights.

15 U.S.C. 1681 Section 602.1 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. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.

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 2022-01-13
Company: Accelerated Servicing Group LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
ASG XXXX has attempted to contact someone at my phone number at least 15 times per day in the last 5 days, from 8 different phone numbers. I have screen shots of the last few hour, where Ive received 5 phone calls and voicemails, and 7 text messages of them telling me to call them immediately or action would be taken. I am not the person they are looking for, and I have reached out and told them such, yet the harassment continues. I have threatened to use legal action against them, but they just hang up and call from a new number I have not blocked. The calls come as early as XXXX central time, and as late as XXXX central time. This is absurd and absolutely harassment at this point in time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Grain Technology, Inc.
State: NY
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:
In XXXX they disconnected the services. I did not know until I received a late payment for the first time with this XXXX XX/XX/XXXX. I sent numerous emails to fix this problem there has been no feedback just automated responses to me. They finally let me back into the account in XXXX. IM unable to use the functions in the App. The account has never been late until this problem occurred. 

Now there is another late payment on my account. I've sent emails and there has been no response to pay the balance nor discuss removing the late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: TX
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:
In accordance with the Fair Credit Reporting act XXXX, XXXX Account # 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

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 2022-08-26
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: Reporting company used your report improperly

Complaint:
I have been in school and I am still currently in school. However, XXXX XXXX has added late payments when they should have differed. Multiple times, I have asked for that to be corrected, but they continue to refuse to remove the late payments. 
I was at Florida XXXX XXXX  from XXXX for my XXXX XXXX XXXXXXXX for my XXXX XXXX and currently obtaining my XXXX starting XX/XX/2022. 

Furthermore, under 15 USC 1681, I never consented to share my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, 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 the credit reporting companies. Calling them " bureaus '' only elevates their status to an institution, which they are not and should never be. 

I tried freezing my credit with XXXX  & Equifax, something I should n't have to worry about in the first place. Both online and automated phone systems are down, and XXXX  has begun obfuscating their freeze function in order to hock their XXXX security product, taking advantage of consumers. 

How the XXXX did this happen ... 

Step up you game, CFPB. I do n't seem many consumers being protected. Quite the opposite in fact. 

Please read the following to understand what hundreds of thousands of americans are currently experiencing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Upon further review of my credit report all of the accounts 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 XXXXXXXX has several violations. Ranging from incorrect open dates to incorrect information. This is ground for removal and they also violated my rights under 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

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 2022-06-13
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:
ALL THE ACCOUNTS THAT ARE LISTED ARE FRAUD I SENT FTC REPORT AND ALL MY DOCUMENTATION AND STILL THEY HAVE NOT REMOVED. THIS WAS IN EARLY XXXX AND THEY STILL HAVE NOT REMOVED THEM. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Due to gross negligence of companies like Equifax handling our personal information I find it extremely unethical for credit monitoring companies like Equifax and XXXX to be able to not handle our private information properly, have several hundred millions of US citizens social security and finance information leaked, and then have the gall to expect us to pay them {$5.00} to freeze and unfreeze our credit lines. So we 're basically obligated to go pay these companies money because they leaked our information and we do n't want to be in financial ruin for years because of it. So basically the way this is set up is that we are forced to pay them and if we do n't then our information will more than likely be used by criminals because they are never held accountable. This is legal, and apparently encourageable, extortion. Plain and simple. Companies need to be held accountable for their extreme lack of security with our information or make it free to freeze or unfreeze our credit lines. Does the mob run our finances now because I definitely feel like I 'm obligated to pay protection money in order for my life to be lived normally.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: Nelnet, Inc.
State: NM
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my address is listed wrong on XXXX XXXX and also Department of Education Nelnet. I have multiple address on my credit reports. The only address that should be on my credit reports is XXXX XXXX XXXX. XXXX XXXX  XXXX. Please advise or fix this issue once it is received

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information, which I did not give to the credit reporting company, was mishandled. 

My credit information and my personal information was given out without my consent. The date of this breach was given as a range of dates starting in XXXX of XXXX and was not reported to me directly, or to the public in general until XXXX XXXX. 

The website is not responding to requests at this time and has continually hung. 

This breach of my data has made me anxious and has the possibility of effecting me for the rest of my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Around XX/XX/2016 I was moving to another address. I went from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX. I was contacting all of my service providers to transfer to my new address. A XXXX XXXX representative stated my bill must be paid regardless of due date before a new account can be opened on a new address so I paid it off. With no written communication over the next two years of the debt owed, I received a notification from XXXX XXXX that XXXX sent it over to a debt collection agency called Convergence for {$55.00}. If you think I owed this debt, wouldn't someone attempt to contact me with a written notice to let me know I owed this money? I was still a customer so they had my new address. They claimed they called me 3 times but I have no call records. Within that 2 year time span, I've called XXXX numerous times for inquiries, technical support, etc and nobody brought a collection up. The collections agent claimed it slipped through the cracks. Is that my issue? XXXX XXXX needs to get it together. I heard complaints from friends and family that they were over billed for something and when XXXX looked over it, they corrected it. I believe that's the issue here. They are unorganized, and lack communication. They lowered my credit down a few points and I'm upset they couldn't notify me before placing it on my credit so I can confirm its accuracy. They stated they will not remove it and I owe it, but I know I do not based on the information above. 

Thank you, 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 2017-09-12
Company: EQUIFAX, INC.
State: AL
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:
Equifax improperly protected my most personal information and allowed it to be leaked to unknown parties which could negatively impact my finances. This potentially could cause difficulties and stress at a later date for me and my family. I have placed a 90 fraud alert on my account, however, after the 90 days, I would be unprotected and my information is still in unknown hands. After the 90 days, I am still at risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-26
Company: BBVA FINANCIAL CORPORATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I did not authorize an increase in my insurance premium filed a claim for {$760.00} ; I have to wait 10 days per bank also there's an unauthorized {$140.00} against my account had to file another claim with an out of country service company in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing and XXXX are both accounts that were opened fraudulently under my name. I did not open nor authorize anyone to open these accounts. I have completed a fraud ID Affidavit packet, please see attached. Delete these fraudulent account immediately as they are preventing me from achieving my credit goals. I have tried disputing directly with Convergent Outsourcing and XXXX already but they have not resolved the issue. I also provided proof of identification, please see attached.

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 2021-07-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I selled a property of me worth on XXXX usd to a person whos name is XXXX XXXX XXXX. The person received the goods and then after that he said that he did not recognize the transfer and made a claim, affecting my XXXX balance for the transaction and also my bank flagged my account as fraud. That had brought me many problems.

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 2018-11-10
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I deposited XXXX $ into my paypal account using the barcode from the paypal application on my phone.The transaction was complete I got a receipt, however the funds did not reach my account.This process has been reliable for me multiple times in the past and is usually instantly on my account or less than 20 minutes. 
I reported this issue to paypal, they asked for the receipt.I scanned and sent them a copy the receipt. 
They continued to tell me different lengths of time in which they would have taken to trace the transfer. 
They told me 10 days, then 72 hours, then finally today I suggested that their instigating and just want to financially harm me by making me settle in court or something. 
They responded by maliciously and intentionally misinterpreting that as legal action and said they could no longer help me and told me to write a letter to their legal department. 

So they basically intentionally refused to help me after provoking me for 48 hours and I am now out of XXXX $ which  was for emergency purposes to my child.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-24
Company: EQUIFAX, 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:
The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt.

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
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:
The creditor/ " debt collector '' has failed to adhere to Section 609 of the Fair Credit Reporting Act. With failure to send back proof including a signed application within 30 days of request, the creditor/ " debt collector '' has violated my rights and is required to remove the alleged debt. 

Please remove the alleged debt for the credit/ " debt collector '' has violated my rights

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