BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I sent my letter off XX/XX/2022. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also I have attached the letters I sent out and here is the Tracking # XXXX, XXXX, XXXX According to the FRCA The term '' investigative consumer report '' means a consumer report or portion thereof in which information a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interview with neighbors, friends, or associates of the consumer reported on or with other with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to FRCA 15 USC 1681 everything have to be 100 % Accurate. I have the credit report showing the inaccuracies. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Re : Hard Inquiry/Unverified on my behave.

I recently checked my credit reports with XXXX, XXXX, Transunion.

I have one hard Inquiry from company : XXXX XXXX XXXX  On XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX  ) XXXX I contacted XXXX, XXXX, Transunion and XXXX XXXX XXXX XXXX.Have not herd back from any of this mentioned companies.Regarding this issue.

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 2018-01-09
Company: EQUIFAX, INC.
State: NC
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 am seeing a hard Inquiry in my credit report from unknown agency XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Inquiry from XX/XX/XXXX These are coming in XXXX XXXX and EquiFax both and I do not remember I have authorized any one of them doing it,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
What are the Penalties for Violations of HIPAA Rules? The penalties for violations of HIPAA Rules can be severe. State attorneys general can issue fines up to a maximum of {$25000.00} per violation category, per calendar year. OCR can issue fines of up to {$1.00} million per violation category, per year XXXX XXXX 20 accounts XXXX XXXX XXXX $ XXXX  XXXX $ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX he Fair Debt Collection Practices Act, Pub. L. 95-109 ; 91 Stat. 874, codified as 15 U.S.C. 1692 1692p, approved on September 20, 1977 is a consumer protection amendment, establishing legal protection from abusive debt collection practices, to the Consumer Credit Protection Act, as Title VIII of that Act

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 2020-03-05
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a new account online with HSBC with a {$100.00} direct deposit. A week later, I used their mobile app to deposit a paper payroll check on Friday XX/XX/XXXX. Upon depositing my payheck, HSBC promptly froze my account completely, blocking me out of online access, ATM machines, or anything related to my account. I showed up at the branch to verify my identity and the legitimacy of the check, but they refused to let me gain access to my account/funds and told me I would have to wait until XX/XX/XXXX at earliest before I could gain access, but they're not completely sure. Before depositing my paycheck, there were no indications, warnings, or description of when I'd have access to my funds, that it may be flagged for fraud for x amount of days, or that my account would be completely frozen. 

The documents that they alleged I received, I did not. They didn't just make the funds from my deposit unavailable, they also made other funds that had already been approved and available unavailable in addition to freezing me out of my account completely. When making the deposit, nowhere on the deposit page did it make it known when my deposit would be available as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I traveled to New York XXXX for XX/XX/XXXX weekend in XXXX. I noticed when checking my account balance on XX/XX/XXXX a paypal transfer to someone I didnt recognize. Also realizing I didnt have a XXXX account. I contacted Bank of America and notified them of XXXX separate transactions from XX/XX/XXXX to the XXXX totaling {$10000.00}. The BofA fraud representative completed the internal paperwork and BofA returned the {$10000.00} in funds within XXXX business days later. I was informed by the representative the fraud department would handle and no additional action was required by me. 

BofA then proceeded to withdraw the funds they returned on XX/XX/XXXX and XXXX of XXXX. I immediately notice these withdrawals and contacted the fraud department. They informed me that they were taking back the funds since it took XXXX days for me to recognize the fraud on the account and report it. They also stated in that same call they only received a response from XXXX with details of the fraud committed and provided me the persons name, originating address for the XXXX pickups, their phone number and email. I was then informed to file with the NY XXXX XXXX I contacted my local police department so they could transfer the complaint to the appropriate NY jurisdiction. 

Please note the fraud committed was a combination of the following of which would easily identify who perpetuated the fraud. 

Over XXXX Payments made to XXXX, XXXX different times a person transferred funds using XXXX XXXX, XXXX transfers and even XXXX orders of Dominoes pizza on the same day, along with the Lyft accounts. 

Bank of America with a minimal amount of due diligence and investigation could have easily found the culprit. Additionally, I was using my card at XXXX XXXX area in XXXX, FL the same days someone in NY was transferring, withdrawing, etc.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-15
Company: Maximus Education, LLC dba Aidvantage
State: AZ
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:
I want to submit a complaint to you about the inaccurate customer service I have been receiving from AidvantageXXXX. The first complaint is I was told the Department of Education thru email dated XX/XX/XXXX that my student loans would be transfer to Aidvantage effect XX/XX/XXXX and I should receive a welcome letter. I never received a welcome letter and when I tried to contact them the representative could not locate my loans and advised to check back. On XX/XX/XXXX I checked Aidvantage website and had to request new password to login after I was advised that my username and password would remain the same. Second I have tried multiple times to use Aidvantage IVR system and each time it says it does not recognize my social security number or loan number. My third complaint is the customer service representatives are unable to provide me with my student loan information and if the loan types I have are eligible for the public service forgiveness plan. I was needing to find out how many payments have been made toward the XXXX required payment. In addition if my loans are in the correct payment plan and loan status to qualify for the public service loan forgiveness plan as I am a XXXX  employee in XXXX XXXX. I was told I would have to call XXXX XXXX XXXX to get that information. When I contact XXXX XXXX XXXX they advised that they could not access my loans to verify if they are in the correct loan status or confirm how many qualified payments I have made. I feel like I continue to receive the same run around with each representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: U.S. BANCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On Friday  X/XX/17    I was charged  XXXX  overdraft fees at {$36.00} each. I called that day to find out what this was for since I checked the balance late Thursday night and it was positive. I also received a payroll deposit Friday morning. On the phone I spoke with someone who said that my available balance was negative at the time of  XXXX  transactions. This was NOT the case, since we had checked the balance on the mobile app before doing those transactions, and there were sufficient funds available. The representative on the phone was very rude and accusatory. I asked to speak to a manager and he said there was a long wait. I said I would wait, and he told me I could n't wait and that they will call me back. I never received a call back. I sent an email through the website and received a response that still did not clarify how this happened, just that no fees could be refunded because it was n't their fault.     After doing further research on my own, it looks like a transaction I made several days earlier at a gas station did not post until late Thursday, AFTER we had done all the other transactions. It seems to be a pretty deceptive practice to hold funds from a debit card transaction for several days without posting. Other bank accounts I have post these funds very quickly, even when the transaction is not PIN-based. I do n't like using my PIN at a gas station because we have been scammed by a skimming device before.     Regardless, the mobile app showed a sufficient available balance before doing each transaction. And while I understand it is my responsibility to keep track of a pending transaction, it does not seem reasonable that a bank would not post a transaction for several days, then all of the sudden decide to post it and charge  XXXX  overdraft fees. At the VERY least, if I was overdrawn because of the  XXXX  gas transaction, that should cause  XXXX  charge and not  XXXX . This looks like manipulation of the posting order to gouge customers with overdraft fees. Also, refusing to explain this to me or have a manager call me back as promised ( it 's 4 days later now - no call ) is terrible customer service. With so many options of where to bank, I expect to be treated with respect when I give my business to a company.

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 2021-03-03
Company: Mr. Cooper Group Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off my loan with NationStar in XXXX. I've never been late with any single payment. The loan was paid in full. In XXXX the NationStar reported to the credit beauros that the account was XXXX as of XXXX and added status DRG for XXXX. As the effect my credit score went down by XXXX points. I noticed that my score went down via XXXX. I immediately pulled my free credit report from XXXX  and saw the problem with NationStar reporting. I sent NationStar a meesage via their customer portal on XX/XX/XXXX and didn't receive any response. I called them as a follow up on XX/XX/XXXX and was told that the NationStar will start a credit dispute and I will get a phone call from them. It never happened. I sent another message via customer portal that was left unanswered by NationStar. The same issue involves my husband 's credit score, since mortgage with NationStar was in out both names - XXXX XXXX XXXX XXXX I'm looking for the bureau 's assistance in getting through to NationStar. It appears that they don't wish to deal with customers that have paid off their loans. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: AMERICAN EXPRESS COMPANY
State: OK
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/20 I attempted to make an online payment using the American Express website. I had around {$75.00} posted to my account. When I clicked make a payment the only option that was available was to schedule auto pay for the due date. 
I contacted Amex, via their message system. They told me they didnt accept mid cycle payments and that I had to wait for the statement to post thus costing me daily interest. 
However, the card agreement states payments made online will post the same day. Amex intentionally removed payment options preventing me from paying my balance until after a statement is created. 
I demand the points I forfeited by closing the account, refund of the purchases made on false advertising practices by Amex, compensation for hurting my credit report by opening the account and closing the account, and the interest Amex made on this anti consumer practice refunded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently got a copy of my TransUnion credit report.. Upon review of my credit report, I found that there is an inaccurate and unverified bankruptcy on my report.This has negatively impacted my ability to receive credit and has resulted in unnecessary embarrassment and inconvenience. 
As stated in Section 609 of the Fair Credit Reporting Act, ( 2 ) ( E ) : A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file unless the information is outdated under Section 609 or can not be verified. 
As is my right, I am requesting verification of the bankruptcy reported on my credit report. 
Thank you for your prompt attention to this 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 2017-05-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I 've written Equifax twice to remove a tax lien on my credit report and my spouse 's credit report which inaccurately reflects a paid tax lien of {$1900.00}. I explained to them numerous times with certified documentation that the lien was filed in error and should be removed. Nothing was ever paid on that tax lien. A subsequent  XXXX  filed for that tax year removed the {$1900.00} debt.     Instead of Equifax actually conducting a debt, they kept sending letters stating, " Investigation Complete ''. And I know that is incorrect.     I 've emailed them copies of emails from the State of Georgia back in  XXXX  that show that lien was filed, then removed but that no monies were ever paid. In fact, the lien was reversed and we got a refund instead.     I 've explained all this to Equifax in  XXXX ,  XXXX ,  XXXX , and now this month, and they insist on ignoring it, by sending me correspondence stating " Investigation Complete ''. I know my rights. I sent them a letter demanding a thorough investigation under the Fair Credit Reporting Act, Section 609, and they sent me an " Investigation Request Form '', with no acknowledgment of the investigation.     Equifax has caused mu family undue denials and high-interest rates because they failed to follow the Fair Credit Reporting Act and actually VERIFY the accuracy of information prior to reporting it. Instead of simply verifying whether it was filed and released.     As a side note,  XXXX  and  XXXX  immediately removed it once they discovered the financial impact to our scores. Equifax does n't seem to want to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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, and 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 instruction.

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 2022-07-11
Company: Experian Information Solutions 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:
Recently I checked my credit report and noticed multiple billing errors still being reported after disputing the inaccuracies with Experian of those late payments. On XX/XX/XXXX I submitted a dispute to Experian regarding these late payments on my student loan accounts and still have not heard nothing back from Experian nor was my consumer report marked for being in a CURRENT dispute. Aren't you supposed to ensure that everything is reporting accurately? As I know the creditor did not notify me 21 days beforehand with a statement so there should be no late payments on these accounts when I did not have a payment plan to begin with. I demand to see hard solid proof from the creditor bank account that I did not pay and was marked late on these accounts that was on an {$0.00} IDR deferred repayment plan because this is clearly a billing error. Experian is reporting that I paid 90 days late in XX/XX/XXXX without reporting late payments in the previous months that are marked OK clearly another billing error. How is this even true because I can't be 90 days late without first being 30 and 60 days late in the previous months. These accounts do not meet the FCRA requirements and I want my report immediately updated to paid as agreed/Never late and to please delete the inaccurate comments along with any late payment marks on my report for these accounts. 

The items below should all be updated to paid as agreed/Never late on my consumer report. Immediately delete any late payment marks and the inaccurate comments. 

# XXXX # XXXX # XXXX # XXXX # XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
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: Was not notified of investigation status or results

Complaint:
I sent a request to investigate an inaccurate account on my credit profile on XX/XX/2022. It has now been 53 days since I sent my inquiry but I have yet to receive a response. My inaccurate records on my profile are stopping me from achieving my dreams.

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 2019-10-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
falsely reporting on an account that is unverifiable the debt listed was i have no knowledge of and or was written off as loss and paid by the original creditor and then resold to a collection company whom i have no contract with nor have i ever had a contract with resulting in a direct violation of rights granted under fcra XXXX XXXX, XXXX XXXX XXXX FED XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/2015 Trident Asset Management reported a {$37.00} debt on my credit report without ever making contact with me. I have no knowledge of this debt and it has no be validated as accurate but it was reported to the credit bureaus. This illegal entry has now cause damage to my credit score. Again, I have received no communication from this company. The only information I am able to provide about this alleged debt is listed below : Account Number : XXXXDate Reported : XXXX : $ XXXX have no knowledge of this alleged debt and this does not belong to me.

Company response to consumer: Closed with non-monetary relief