BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-05
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: Old information reappears or never goes away

Complaint:
To XXXX, XXXX, and TransUnion this message is in regards to an account 1. XXXX 2. XXXX 3. XXXX 4. XXXX/XXXX 5. XXXX XXXX XXXX/XXXX all are listed as closed. I am not aware of these accounts belonging to me. I am not sure if this was by mistake, done on purpose or a fraudulent act but this is not a laughing matter it is an major error and misuse that I would like to see removed from my credit report immediately. I contacted XXXX but I did n't get a response back so I do n't know if this is a game being played or what. At this point I have contacted my lawyer and we are scheduling to go over to the county court house to get an affidavit for all the companies listed, including XXXX, XXXX XXXX, and TransUnion. Please be aware that I have contacted my personal private investigation team, FTC, and The State Attorneys Office to handle this case. If for any reason this was placed on my credit report, the companies will suffer the consequences. This is my last attempt to resolve this matter and anything after this message wo n't be answered by myself, you 'll have to deal with my lawyer. 

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 2017-09-05
Company: PNC Bank N.A.
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Good morning, I am one of PNC Bank 's Customers. I had a problem with PNC Bank ATM at XXXX XXXX XXXX XXXX, XXXX, VA XXXX on 0XX/XX/XXXX. I tried to withdraw monies {$500.00} from the ATM, however the monies did n't dispense and my account was debited. On the screen of ATM said that my monies got retained. I called customer service, his name is XXXX, he told me that he filed the dispute and refund or credit my monies {$500.00} back at that time or the latest was the day after the incident. 
The next day, XXXX/XXXX/XXXX, I still did n't see the monies, I chatted with online customer service, her name is XXXX. She said that XXXX did n't file the dispute and she needed to file my dispute in order for me to get my monies back. XXXX did n't file the dispute either and somebody ( XXXX XXXX, customer service manager called and I told her everything. She filed the dispute on behalf of me. I did n't understand how bad the services from PNC Bank. My frustration has increased as I went to the branch directly where the ATM had a problem. I talked to branch manager XXXX XXXX XXXX, she told me that there 's nothing she can do to solve the problem as I have to wait for 10-45 business days to get my monies back otherwise I have to wait 45 business days per XXXX to get my monies back. I told her that I am a customer with other banks as well, when I had this issue, the other banks refunded my monies back right away ( at that same day ). I contacted the online customer service today XX/XX/XXXX for some information of PNC Bank 's President Director. XXXX, customer service online did n't want to give it to me instead telling me to wait for 10-45 business days. 
It 's really ridiculous. I do n't think this is a good service from the bank and the bank has violated my right. 
Please escalate this problem as soon as possible and have the bank refund the monies and all compensation that I have been through. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: Experian Information Solutions Inc.
State: OH
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 expressed and disputed these accounts with Experian far too many times. I am a victim of Identity theft. I sent a copy off my Identity theft form to these companies. Experian removed them then reinserted them without my knowledge. If any of these accounts or public records were mine Im sure there was no form signed with my signature giving these creditors " AUTHORIZATION TO SHARE INFORMATION ''. I am a victim of identity theft and I have requested signed contracts with my signature for the accounts that are reporting on my credit stating I signed for these credit cards and have not been sent the information. Experian has not verified these accounts because they are fraudulent. The collection account has not been validated and I am aware of my rights from the FDCPA. I requested information from the Collection agency that was not provided. There is a chapter XXXX bankruptcy that does not belong to me. The courts do not release information over the phone to third parties whom Experian is considered a third party. Several credit cards on my credit are a product of identity theft that were removed and reinserted. This has become a problem and I will be forced to file a lawsuit. This is my final attempt. The " LAW360 CLASS ACTION LAWSUIT '' against experian was a major success and I will not hesitate to get another class action law suit started. The accuracy of Experian disputes are BOGUS that is why the class action lawsuit LAW360 was started from Experian inaccuracy disputes. The accounts on my credit report that are a product of identity theft and have been reinserted are : XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, and Chapter XXXX Bankruptcy was taken off and reinserted without no validation from the courts for they do not report to the Credit reporting agencies/third party companies. I will not accept another letter from experian stating " these accounts have been verified '' without the proper documentation to go along with it. I will not write a 100 word statement for my credit report for fraudulent information that WILL be removed! Do not put on my credit report without my consent " CONSUMER DISPUTES ACCOUNT VERIFIED '' under these accounts. These accounts are not allowed to be present while in dispute. It is AGAINST THE LAW!!!! REMOVE THEM 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 explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
I happen to apply for credit last week- the week of XX/XX/2022. Instead of getting the instant answer I expected I instead got a denial letter with the reason being that I had no Credit Score? This was surprising because I have a credit score and have bank accounts as well as credit cards that have low balances. 

Later that same week I tried to open a Checking account with XXXX XXXX XXXX  here where I live in XXXXXXXX XXXX. I have had a checking account at my old bank in XXXX XXXX for over 15 years where my Social Security  XXXX XXXX goes along with a pension check. When I went to open the checking account in XXXX XXXX  with XXXX XXXX XXXXXXXX that asked for my ID info. I also showed the staff my Checks from the XXXX account and a Credit card along with my Drivers License from XXXX XXXX. After a couple of minutes the young lady at the bank suddenly Gasoed out loud and told me I came up as Deceased?? I told her that I was clearly not since I was sitting in front of her with numerous pieces of ID. She indicated that she could not open the account at this time but would take my phone number and call me. Neither she nor anyone at XXXX XXXX XXXX called me. After having this happen I investigated further by obtaining my Free Credit reports from all three major credit reporting agencies. I was able to get XXXX XXXX XXXX but ran into a proble with Equafax. I did not get the free credit report but was directed to contact them ASAP. I did not call. This error of having me listed as Deceased cause me to not be able to get credit where I wanted too and also prevented me from even opening a checking account. I did suffer real ha from this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 following collection account and credit inquiries currently listed on my XXXX, XXXX, and Trans Union credit report is a fraudulent collection account and not my collection account or credit inquiries which are authorized : XXXX XXXX XXXX, {$5600.00}, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, and XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have 3 unauthorized inquiries on my XXXX Report. They are for XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, and XXXX on XX/XX/XXXX. I contacted the credit bureau to dispute it but the unauthorized inquiries remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
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: Their investigation did not fix an error on your report

Complaint:
I have contacted Experian, XXXX  and XXXX  on several occasion throughout the year regarding my credit report not reflecting accurate information. They never did a proper investigation and still information is showing up. I am a victim of identity theft and I have told them that following information being reported is not accurate. 

XXXX  XXXX XXXX XXXX XXXX XXXX I have never had any accounts with them and these were opened fraudulently. XXXX XXXX is showing balance of XXXX, XXXX XXXX XXXX and XXXX XXXX has no information. I need Experian XXXX  and XXXX  fix my credit and report accurate information this has caused me loosing my job and not being able to find a new one.

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 2022-07-17
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Back in 2016 I asked to be waive my XXXX XXXXXXXX  XXXX  status and submitted the paperwork. I was told it was processed through their internal messaging system. I later asked to cancel the waiver and they sent me the form. However, since this current reconsideration/review effort has been going on I've learned they never applied the waiver. This leaves me with 2.5 years of uncounted payments. I wanted them to count because I was in a XXXX dollar payment period because I was on XXXX from my employer while I completed my degree. They switched from sending me documents via email to an internal messaging system that they control and leaves no to a very short time-limited paper trial for me. I have complained to them for years about their handling and was assigned one person to speak to at one point. They do have some records or those conversations and actions but apparently not all. FedLoan Servicing is deceitful! They put me into deferral/forbearance when I didn't want to be because it would hurt me when I was in favorable payment range. I repeatedly asked where I could go to file a complaint and they never directed me to CFPB they just said they are the servicer the government chose for PSLF program. When I consolidated my loans I was not told the payments previously made would no longer count until after it was done. When I asked them to count them under the current initiative they didn't until I provided information my old servicer provided. I was fortunate old servicer still had the information. They never helped me verify my employment dates from previous employer that failed to sign or the state hospital that had closed. Their handling has been a hinderance of my financial freedom and impedes my motivation to trust what any of the representatives say. I do have some documentation to support my assertions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-17
Company: Experian Information Solutions Inc.
State: OH
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:
AFFIDAVIT I was reviewing a copy of my credit report and discovered it contained some errors pertaining to the following Personal Information. I am requesting that you promptly update and delete addresses that I never resided and may possibly be relatives address. Please see the attached copy of my utility bill for your reference. For the record I have lived in the same residence for over 5 years. 

My name is : XXXX XXXX XXXX File Number : XXXX ( XXXX XXXX ) Please remove all other name variations IMMEDIATELY. They are not accurate. 

MY CURRENT WORK INFORMATION IS : XXXX XXXX XXXX My current phone number is : ( XXXX ) XXXX Also, my current and only address is : XXXX XXXX XXXX , XXXX, OH XXXX All other addresses are not accurate. Please REMOVE/DELETE these address IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX  XXXX, OH 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 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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, XXXX XXXX Account # XXXX, XXXX  XXXX XXXX  Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2022-07-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 Account # 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  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 that 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 2021-04-14
Company: HSBC NORTH AMERICA HOLDINGS INC.
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, my partner started complaining of cold-like symptoms that may or not have been COVID-19 related. Deciding to be cautious, we decided that we would like to cancel our SCUBA-diving trip ( scheduled for XX/XX/XXXX ). I emailed XXXX XXXX XXXX on XX/XX/XXXX about the issue and asked for a refund XXXX {$290.00} ). I received no response from XXXX XXXX so I called again on XX/XX/XXXX and spoke to an employee who said the owner was busy but he would convey my message. I again received no response from the owner until weeks later after I filed a credit card dispute with HSBC. The owner essentially called me a low-life and asked me to refer to the service agreement. I did refer to it, and it doesn't include clauses for COVID-19, which is understandable! This is a difficult and unprecedented time for everyone. We are a military family, not trying to XXXX anyone. 

We thought that given the circumstances of COVID-19, the owner of the dive company would at least attempt to provide us another date to dive, if not provide a refund. The alternative would have been going on a dive boat while I partner was feeling sick and freaking everyone out and possibly getting them sick! 

I filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. HSBC simply responded it would look into the issue and contact me. I never received any contact from HSBC almost four months after the fact. 

My partner was tested for COVID-19 on the earliest possible date she could, XX/XX/XXXX. The results were sent to XXXX XXXX XXXX and HSBC. I submitted my emails to XXXX XXXX XXXX ( which I never received a response to ) to HSBC as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/XXXX I was suppose to receive my direct deposit in the amount of XXXX. When I called in @ XXXX I was advised that I need to faxed in address verification by a supervisor which constants of a piece of mail and government ID. I sent this information @ XXXX and called back when I faxed in this information. I was told that it will take 4 hours to process and I will receive my funds by XXXX EST. When I called back at XXXX XXXX  they informed me that I needed to send in my social security card. After going back and forth with XXXX who was a supervisor, he then told me they were able to make an exception but sent my direct deposit back to my employer at XXXX XXXX. If I was informed this when I called in when sending the fax i could of contacted my employer HR department.

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 2021-04-15
Company: Affirm Holdings, Inc
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I purchased furniture from XXXX XXXX and financed the purchase via Affirm. One month after the initial purchase, I returned a rug to XXXX XXXX. After going back and forth with Affirm, they finally recognized that the loan amount had changed and was now reduced. They acknowledge that the loan would be reduced but when I sign into my account with Affirm, it still reflects the old loan amount. I've contacted customer service several times who have told me that due to technical restrictions, the new loan amount could not be displayed on my account. They assured me that the installment payments would add up to the new loan amount but could not display the corrected loan amount and interest. I have a right to see the correct, actual principal amount, corresponding interest, and total adjusted loan.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: BB&T CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2018, Regional Acc. pulled my credit report without my permission. I tried and tried to resolve this issue with XXXX and Regional Acc. but they are blaming each other but not resolving the issue of removing the inquiry. The dealership also tried to reach out to them about this unauthorized inquiry but they never responded. Attached is a copy of the letter from the dealership stating that the unauthorized inquiry is done without my permission. They allowed one of my family member fill out a application with my name, social security number and date of birth without my authorization and Driver License.

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 2018-12-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a checking/savings account package with Citi Bank through a promotional offer. The offer was that if I maintained a combined balance of {$15000.00} for 60 days, Citi Bank would give me {$400.00} within 90 days after the 60 day balance requirement was met. 

I opened my account in XX/XX/2018. The {$15000.00} balance requirement was fulfilled on XX/XX/2018. 60 day requirement was met two months later in XX/XX/2018. 90 days had passed in XX/XX/2018. I called Citi Bank as I had still not received the bonus. The customer service representative could not help me. I tried the chat service. All the customer service representative just repeated what the promotional offer was but the issue was not resolved. Both of the customer service representatives had no updates and had no information to resolve the issue. The representatives told me to continue waiting additional days on top of the 90 days I already waited. 

Citi Bank shows no urgency or respect for my time, nor do they show that they care that they are misleading their new customers with a false advertisement promotion.

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