BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Incorrect information posted to my credit report

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 2023-04-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a bank account at Suntrust 2 years. This bank was bought by Truist Bank.I had dispute in the processing on checking account # XXXX and saving account # XXXX of the account being transfer they started charging my checking account with a balance { {$560.00} and saving {$180.00} } without notifying me. I found out after they charged me for months - They did not notify me about these charges. and closed my account sent/sold to XXXX XXXX XXXXXXXX XXXX XXXX They should not have made this incorrect charges/errors. The ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX attempted to collect a debt that not owe. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. knowing the debt is not mine and these reporting has been affecting me to open up a checking and saving due to im in chex system.

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 2021-04-12
Company: TRANSWORLD SYSTEMS INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When applying for a mortgage in XXXX, I was informed a derogatory account was on my credit report from a company called Transworld. I've never heard of or done business with them. I tracked the company down and was told I owed a medical debt of {$120.00} to a lab in New York. I had moved more than a year earlier to Colorado. I explained I never received a notification of the bill. We had gotten new insurance, in a new state. I offered to pay the debt immediately. However, Transworld told me once paid, they would not remove the derogatory account from my credit report. I explained I had no notice of this bill or opportunity to dispute and would have paid had i known. They told me " we aren't here to help you. We work for the client, XXXX '' and hung up on me. So I called Ameripath/quest diagnostics and paid the bill directly to them onXX/XX/2021. However, they have still refused to remove the derogatory account, which is affecting my mortgage. It is the only blemish. It's unfair to have been given no notice. My phone number didn't change. They didn't call.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} ; XXXX XXXX XXXX XXXX Balance : {$870.00}

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a complaint last XX/XX/ and it was closed immediately and is marked as no further action. I can't see a response from the companies on my complaints before it was closed which means that they were not forwarded to the companies involved. I am submitting a new complaint hoping that you will now assist me regarding my concerns. There are MULTIPLE fraudulent items on my credit report. I have submitted multiple disputes and FTC reports regarding these fraudulent items on my credit report that dont belong to me. I do not have a record of doing business with these companies. I'm reaching out regarding these fraudulent items and for assistance to 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 non-monetary relief
Consumer complaint received 2023-04-18
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
The PayPal user XXXX XXXX ( XXXX ) scammed me via two transactions ( Transaction IDs XXXX and XXXX ) for {$89.00} in total on XX/XX/2022. They promised me 2 concert tickets in return during our conversation on XXXX, which I never received. As soon as I paid via PayPal using my XXXX checking account, they blocked me or deleted their XXXX account. 

The money will not reach their account until XX/XX/XXXX, and I would like my money back before then. I have filed a dispute with PayPal and would be extremely grateful for any assistance you can provide. I hope a conclusion can be reached and I look forward to hearing from you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: MOHELA
State: CO
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:
IDR repayment change was submitted XX/XX/XXXX. Today, XX/XX/XXXX, I received a letter stating my account has been placed in administrative forbearance from XX/XX/XXXX to XX/XX/XXXX. There is no information in this letter on whether or not PSLF " payments '' I could be making will be counted. It does state that interest will accrue while they take THREE months to review my application. I've called and waited on hold 3 times today for over an hour each time and haven't been able to reach anyone to ask for an explanation. 

Additionally, my loans were consolidated in XX/XX/XXXX and my PSLF payment counts were reset to zero and have not been updated. It's now been a YEAR and any request for information results in the same response : " The currently displayed PSLF and TEPSLF Payment Counts, specifically those for your PSLF and TEPSLF Eligible and Qualifying Payments, may not include all eligible and qualifying payments that you might be entitled to as a result of the Limited PSLF Waiver. We are in the process of updating this information and ask that you check back periodically for updates. Your continued patience during this process is appreciated. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX is reporting inaccurate information about a loan that was settled. The amount they are reporting is incorrect, they seem to have different information reported with the credit bureaus. 

I am attempted to dispute this with XXXX, Transunion, and XXXX but have not been successful with getting this concern corrected. 

The credit bureaus are doing incomplete investigations and just going off of what XXXX is sending them.

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 2021-03-18
Company: Lending Club Corp
State: TN
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 filed a complaint in XXXX about this company incorrectly reporting information about my account and my due date and amount due being inaccurate. The Claim number is XXXX. They still have not responded to the complaint and now they are reporting it erroneously on my credit report. They are showing the account 84 days past due when it is only due for the XX/XX/2021 payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Information reporting error on my credit report.

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 2023-10-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting 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:
These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.

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 2023-07-02
Company: JPMORGAN CHASE & CO.
State: OR
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/2023, I bought a {$50.00} visa gift card at XXXX store. I initially used Chase Credit card to pay for it but it did not go through even though I tried 5 times. Ended up had to use my chase Debit card to pay for it. 

On XX/XX/2023, I saw that XXXX charged me XXXX on that transaction. I then disputed it through Chase mobile app. Chase credited me back at that time. 

On XX/XX/2023, I saw the charge from XXXX came back and show up on my billing statement. 

On XX/XX/2023, I called the Chase customer service to report the charge that I disputed a month ago came back on the billing statement. I found out that the dispute I made initially was considered as fraud claim, and I was directed to send chase a message to explain what happened. 

On XX/XX/2023, I sent the message on Chase webpage. 

On XX/XX/2023, I received the statement from chase that " You are responsible for the charge. Reason is that You received benefit from this transaction. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: Diversified Adjustment Service, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original XXXX  electric bill. I was moving and canceled my service, it was in XXXX and was laid off due to Covid impacts XXXX advised the are running a promo for people laid off due to Covid. You could pay one you got a job. XXXX XXXX. For {$590.00}. I thought that was nice in XX/XX/2021 I get a letter from a collection agency Diversified saying my account was sold to them and due now. Sure enough they slapped this on my credit report. Ive paid it right away. But I think this is bad business, and wheres the integrity makes it hard to trust. I spend a lot of time and energy on cleaning up my credit and they did this to me. XXXX needs to stand behind their word. Thank you XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
At the end of XX/XX/XXXX I moved from XXXX PA to XXXX NY. I set up mail forwarding but because of this there is a delay in mail that is sent to my old address. On XX/XX/XXXX I received a letter that had gone to my former address in XXXX from Bank of XXXX about my account. I have never had an account with Bank of America. I went to the website and tried forgot my username/password and found that while the address was my former address and the social security number was mine, the phone number associated with the account was not mine. I did not even live at the address used when the account was opened. I called Bank of America and filed a claim against the account. Since then I have continued to receive bank statements for an account that is open in my name. I have called Bank of America numerous times to try to get updates and a timeline for when this account will be closed. They will not provide any updates or information. They have not provided any assistance in regard to identity theft protection. When I asked how it was possible for someone to open an account in my name without verification of identity they said " you could open an account right now over the phone if you wanted without any verification. '' This seems like a pretty bad system and I simply want this issue resolved so I don't have to spend additional hours of my life on hold with Bank of America for absolutely no 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 non-monetary relief
Consumer complaint received 2021-03-18
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
An old collection has not been removed from all of my credit reports. A debt for XXXX from XXXX XXXX XXXX was removed from my XXXX  report earlier this year, but it still appears on my Equifax and XXXX. It should be removed from all 3.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: EQUIFAX, INC.
State: AR
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: Investigation took more than 30 days

Complaint:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
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:
Dear Sir/Madam, I am writing to dispute a late payment that has been reported on my Experian and XXXX reports by XXXX XXXX XXXX XXXX The account was opened on XX/XX/2022, and I believe this to be an error. 

I have never been late with any payment, and this is my first time experiencing such a problem. I am at a loss as to what to do, and I am seeking your assistance in rectifying this issue. I am confident that I have been timely in all my payments to XXXX XXXX XXXX, and I will do anything to prove it. I have been a responsible borrower, and I take my credit history seriously. 

I understand that a good credit score is essential for financial stability and security, and I am committed to maintaining an excellent credit rating. I am aware that the Fair Credit Reporting Act ( FCRA ) gives me the right to dispute any inaccuracies in my credit reports. I am exercising this right to dispute the late payment reported by XXXX XXXX XXXX. 

I am confident that I will be able to prove that this is a mistake, and I am requesting that the late payment be removed from my credit reports. In addition, I want to stress that I will need an advocate if this happens again. I will not allow my credit history to be affected by errors or inaccuracies, and I will fight for my rights under the law. 

I am committed to being a responsible borrower, and I will not tolerate any action that might damage my credit rating. In conclusion, I respectfully request that you investigate this matter and remove the late payment from my credit reports. I am willing to provide any evidence or documentation necessary to prove that I was on time with my payments. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-10-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I've never been late on my accounts. Remove all late payment entries IMMEDIATELY!!!! 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 However they stated everything was complete and accurate. How is that possible if the open date, date of last activity and much more is incorrect? According to 15 USC 1681i ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate Also they aren't in compliance with XXXX XXXX credit reporting. I have evidence to prove my case The late payment entry listed on this account is erroneous. I have supporting documentation, such as bank statements and payment confirmations, proving that the payment was made on time. I kindly request that you review this information and make the necessary corrections. I understand that under the Fair Credit Reporting Act ( FCRA ), I have the right to request verification of any information that I believe to be inaccurate or incomplete. I also understand that the credit reporting agency must conduct a reasonable investigation within 30 days of receiving this request. Please consider this letter as my formal request for verification. I kindly ask that you thoroughly investigate these late payment entries and provide me with written confirmation of your findings. If it is determined that these late payment entries can not be verified, I request that you remove them from my credit report in accordance with the FCRA. I have attached copies of relevant documents, such as payment receipts and bank statements, to support my claims. I trust that these documents will aid in the verification process. I appreciate your attention to this matter and your prompt response. Maintaining the accuracy of my credit report is of utmost importance to me, and I am committed to ensuring that all information reported is fair and accurate. Thank you for your assistance.

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 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents 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 non-monetary relief