davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-14
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (HI)

On XXXX XXXX, XXXX I booked a XXXX flight from XXXX to Hawaii. While in the process of paying for my flight, a box appeared on the screen to apply for the American ExpressXXXX XXXX XXXX XXXX " XXXX '' XXXX credit card. It stated that I would get a {$200.00} statement credit if I applied for and paid with my card. I applied for the card and paid for my flight with my new XXXX credit card. After approximately two months, I did not receive my {$200.00} statement credit. I called XXXX and the person that I spoke to advised me that it would probably take about 90 days for the credit to appear. After 90 days passed, I still did not receive my credit and called XXXX again. They opened an " investigation '' and advised me to follow up on 2 weeks. Approximately 2 weeks after that, on XXXX XXXX, XXXX, I followed up and demanded to speak to a supervisor because my {$200.00} statement credit had still not been applied to my account. A supervisor named XXXX advised me that I would have my credit on the XXXX. Today is the XXXX ( XXXX XXXX XXXX XXXX and there is still no {$200.00} credit on my account. It is now approximately 140 days since I was approved for this card, booked and paid for my trip. I have still not received {$200.00} statement credit. I have no alternative but to conclude that this is a fraudulent offer.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

This is not a personal account of what happened to myself, but an account of what TransUnion and XXXX is doing in response to the XXXX data leak. Bottom line is congress needs to step up and make freeze and thaw free under federal law. 

TransUnion is trying to " persuade '' customers to enroll in their product TrueIdentity by redirecting clients who are trying to put a freeze on their credit through webpages that are misleading and aimed at convincing the client to enroll, rather than freeze. XXXX is doing the same with their product called XXXX XXXX. This practice by TransUnion is described below : " If you want to place a credit freeze with TransUnion now : 1. You have to get through a page of info about credit and fraud, and then the action it tells you to take is to " Lock your credit information by enrolling in TrueIdentity. '' 2. The option to freeze your credit is under " About credit freeze '', deliberately passive in their use of language 3. The description about credit freezing is dissuasive : " A credit freeze may be available under your state law '' 4. The link for the credit freeze is also a passive " click here '' compared with " by enrolling in TrueIdentity '' language used for the link to their own product.
5. Clicking the link to learn more about credit freeze brings you to yet another page that tries to convince you to enroll in their product over placing a credit freeze 6. After searching through their page of XXXX, you finally get to the link to freeze your credit. '' Fortunately, I was not affected by the XXXX data breach, however, I am not one to stand by while others are taken advantage of during a crisis like this one. If you 've read this far into my message, then thank you for your consideration.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

With the XXXX leak, have tried to put freezes on all my credit checks with the three agencies ( I will not go into how ridiculous this all is and how it is inconceivable that this happened, and they waited so long to let us know, and I had to wait until today to sign up with XXXX and have to wait an unspecified amount of time for an email to come from XXXX to finish the process with them. ) Went to Transunions site from a search engine, ( Security Freeze - Transunion ). The link ( https : //freeze.transunion.com/XXXX ) gives an unavailable message and photo. Hopefully I will be able to attach a screenshot. 

This one, for one of their products TrueIdentity and with a bunch of caveats, works. ( https : //www.transunion.comXXXX ) I find all of this unacceptable and a disservice to the American people who rely, unfortunately and without any permission or acknowledgment, on these services.
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANCO POPULAR DE PUERTO RICO (FL)

I left Puerto Rico on XX/XX/XXXX and have been trying to close my Banco Popular account since then. I have contacted them on four separate occasions trying to determine the amount of deposit required to zero the account for closure and have never received that information. All they continue to do is charge fees to the account and honor unauthorized debits to the account and still refuse to provide the amount necessary to zero the account. I have gotten to the point where I have no intention of paying any of their fees effective the date I ordered the account closed. Clearly all they are trying to do is continue collecting the fees while refusing to provide me the information I requested. On one occasion they simply sent me the amount of the checking account deficit without factoring in the credit from the savings account. I remain unable to close the account because they continue to refuse to provide my account balance.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Billing dispute for services
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

XXXX acct # XXXX case # XXXX spoke with XXXX from Fraud Dept I was guaranteed that it would be deleted from my credit file the end part of XXXX XXXX due to fraud and they would issue me a deletion letter .This acct was never mine from the begging and I told them this years ago which they told me it was once removed, which they were not telling me the truth.I found out it was still appearing on my credit file.It needs to be removed by Bank of America XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc. (NC)

Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IA)

Equifax allowed hackers to steal my personal financial information due to their ridiculously insufficient security. What U.S. Senators were having a hearing to weaken regulations on Equifax and similar companies just before this security breach? Thank you XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

Credit ( security ) freeze + thaw should be free, mandated by law for every US citizen. 

The recent XXXX breach is a perfect example of why credit freezing and thawing should be free, it 's appalling that credit bureaus can charge for such services when their own incompetency is what caused these actions to be required for consumer protection. 

Luckily I live in NC where I do receive a free freeze, but everyone in the country should have the right to unlimited free freeze/thaws.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Trans union is burying the link to a free credit alert, and instead, pushing their own service that costs XXXX XXXX has documented the changes to their website in the days after XXXX 's colossal XXXX-up. 

XXXX XXXX XXXXXXXX The actual link to free credit alerts goes down frequently, if it 's functional at all : https : //freeze.transunion.com/sf/securityFreeze/landingPage.jsp It 's one thing that XXXX can not manage sensitive information properly, and are not being held accountable, but now you have the other two rival vultures doing their best to further deceive and inconvenience customers to a maximum. 

WHEN WILL SOMEONE STAND UP TO THESE COMPANIES?
Consumer complaint received 2017-09-13
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WEBSTER BANK, NATIONAL ASSOCIATION (CT)

To whom it may concern : I would like to file a complaint against Webster Bank and more specifically, the fees that the bank imposes for insufficient funds. Currently Webster Bank charges {$37.00} for insufficient funds per bank transaction. The bank fails to indicate the time when each transaction occurs. The bank only tells the customer the date of the transaction. In my case, I was charged four {$37.00} fees for transactions that the bank claimed, I did not have funds to cover. See attached bank statement from XX/XX/XXXX until XX/XX/XXXX. I was charged {$37.00} for four bank transactions that occurred on XX/XX/XXXX ( one ), and XX/XX/XXXX ( three ). I note that my balance never went to {$0.00}, and I deposited close to {$3000.00} ( {$380.00} plus {$2600.00} ) on or aboutXX/XX/XXXXI called the bank and asked the bank to refund at least 3 of the {$37.00} insufficient fee charges. The bank refused to refund any of the {$37.00} insufficient fee charges. I was told that I already had {$37.00} insufficient funds refunded to me in the past and it is the bank policy not to refund more {$37.00} insufficient find charges per year. I escalated my call to a supervisor, and I was told that someone will call me back within 24 hours, but no one called me back. I believe that Webster Bank insufficient fund police provides a revenue for the bank from " legally stealing their customers money. '' I also note that I have overdraft protection on my checking account. I believe that the bank should have use the funs available to cover some of the charges that were withdrawn from my checking account.
Consumer complaint received 2017-09-13
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I would like to write this complaint so that other folks out there are very aware of what this Bank is doing so wrong so they can stop doing it and get it together. Recently without previous notice, I got all my account frozen with Bank of America. Not only that but the worst thing is that I realized when I was going to put gas before Hurricane Irma hit my state of Florida. I could n't believe this Bank can do something like this. I went straight to one of their branches on XXXX XXXX, 2017 and they blame it on the fact that I changed my immigration status. I summited all the documentation they required and still today XX/XX/XXXX I have my accounts frozen. Not only that, but some of their local branches are closed as well.Also, I have XXXX XXXX and I realized that they for some reason pulled up my credit score when I have been with them for 6 years, this caused my credit score to drop. But to top it off after 5 days and after the hurricane passed I am still with my accounts frozen, so get it together Bank of America. And for the people reading this BE AWARE I did n't believe what the mega Munsters Banks could do but I am going through the hustle now and it 's not fun. The bank should be here to serve us better and not make us go through situations like this one.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Upon learning about the XXXX  security breach I and doing research on my options I decided to try to freeze my credit at all 3 credit reporting institutions. 

It 's already bad enough that every adult in the United States has to assume that their information has been compromised and that we all have to worry about a heightened risk to identity theft. 

The issue is that I ca n't get my credit frozen at ANY of the 3. As of today, which is Wednesday, XXXX XXXX, I have tried to freeze my credit online and over the phone at all 3 major credit institutions. I 've run into issues ranging from websites being down, to automated messages saying that my information could n't be verified. 

We need a central agency that can handle this kind of thing like a professional, because it 's clear these amateurs ca n't. 

It 's despicable that these agencies are now trying to sell their credit " locking '' services in which they are charging compromised consumers money for THEIR mistake.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (MO)

Hello, I am writing this to hopefully receive assistance in placing a credit freeze on my credit. 
I have attempted to use the online and telephone services that are provided by the three credit bureaus, however, I am finding that it is becoming more and more frustrating to protect my own credit history because they are being deceptive. My only option left is to gather all the required papers and mail them to each individual bureau and pay them {$30.00} ( {$5.00} ea. for me and my significant other ) plus shipping to fix their mistake that they made when they allowed all of our credit histories and information to be hacked. 

On top of this, because my stolen information has n't been used against me yet, I am unable to file a report with the law enforcement agency in my area. So I am stuck paying to fix their mistake. And to add to this grief, in the future when I plan to request a business loan and a mortgage after that, I will have to pay out of my pocket to temporarily lift the credit freeze. 

And as each day goes by after this hack, the credit bureaus are updating their websites to make it harder to freeze your credit and easier to pay for their credit monitoring services. I do not want to pay for a credit monitoring service from a credit bureau that has already lost 100 % of my trust. I just want to freeze my credit, plain and simple. Why is that so much to ask for? 

I will also be living in a constant state of worry as to where my information has gone and how it can be used against me. 

This is not okay. And I believe a large majority of Americans who fully understand the gravity of this situation would agree with me in that there has to be some change implemented to alleviate the burden off of American victims. As well as to make sure that the companies that are to blame for this are held responsible for their wrongdoings. 

Why am I, the consumer and the victim, placed with the short end of the stick in every aspect of this situation? And how can I even trust that this will not continue to happen in other aspects of my financial life? 

Thank you for taking the time to read my situation, I sincerely hope that you can help me and every other person that is affected by this. 

PS : I have also attached screenshots below that prove that XXXX changed their web page after the hacking news was brought to light on XXXX/XXXX/2017. They changed their website to make it more difficult for people to freeze their credit, and they made it easier to pay for their credit monitoring services instead.
Consumer complaint received 2024-10-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (TX)

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MN)

In Mid-XX/XX/2017, my sensitive personal & financial information was stolen from Equifax in a massive data breach. Considering that Equifax houses data on the majority of American adults, their security was woefully inadequate, and their incompetence was highlighted by the fact that they did n't even discover the breach until at least 2 months later. I 'm now reasonable certain that my first and last name, Social Security number, birth date, addresses and possibly my Drivers License number is now available to the highest bidder. 

As a result of this, I will now have to look over my shoulder for the entire rest of my life, and be hypervigilant about my financial and personal security. I 've still yet to determine the full impact of this situation, but I can guarantee that I will have to spend a lot of time and money to protect myself for as long as I 'm alive. Equifax needs to be held accountable for putting hundreds of millions at serious risk.
Consumer complaint received 2017-09-13
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

I had a complaint going on through the CFPB and the problem had not been solved yet by my payment due date ( XX/XX/XXXX ). So I called Navient on XX/XX/XXXX. This was the earliest I could call because they are closed on the weekends. When I spoke to the Navient associate, I explained to them that I did n't want to be late or charged a late fee with my complaint going on. She said she could take care of all my issues. She said that she would get me on a no interest plan for 12 months, but that it would not get completed until XX/XX/XXXX. So she was going to put me on a forbearance for 30 days so this payment would not be late. Attached is the email I received stating that my forbearance was approved and that it was not due until XX/XX/XXXX. On  XX/XX/XXXX, I received another email stating that my payment was late. I called Navient on XX/XX/XXXX to get this problem fixed. They told me that they see the email was sent to me but the forbearance was not actually put through. This shows how they openly lied to me and did n't fix any of my problems. I was also told on XX/XX/XXXX that I would not have a problem getting on the no interest plan but I was informed through my CFPB account that Navient said I had already been on it and could not be on it again. While I was on the phone on XX/XX/XXXX, I asked the Navient associate when I was on that plan and they were  not able to give me any information on it. They were finally able to get me on a rate reduction plan, but I still had a.lot of issues doing it. I was lied to multiple times. The phone calls are also recorded to prove it even more than my emails. I was unable to pay many XX/XX/XXXX bills, and I am still behind on my XX/XX/XXXX bills because I had used the money I thought I had to get my car fixed, but I was then forced to make a payment in XX/XX/XXXX because they had messed up, not me.
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MO)

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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
Consumer complaint received 2024-11-08
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

I require your help to address this incorrect account on my credit report. This has negatively affected my reputation, and Im counting on your support. Your improper management of my credit report has left me in a dire situation, and the inaccurate details have ruined my reputation. Its vital that you fix these issues so I can continue living with my family.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

I want to apply a XXXX Freeze to my Trans Union Credit report. I have been trying for two days to call several numbers to reach the company, spending several minutes to navigate their menu systems, reaching the correct queue, only to be hung up on by the automated system and receiving a fast-busy tone. Calling their support does the same. The system status message says everything is working, and there is no indication of issues on their website. I have no options to contact the company to apply a freeze. With the current risk from the XXXX data theft, this is completely unacceptable.