BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-05
Company: Sequium Asset Solutions, LLC
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 sent in a dispute to XXXX  regarding Sequium. The info doesn't match real time issues that took place. Instead of fixing it they keep updating the date which means it stays on my report many more years longer than it should. My goal was to force Sequium to update the information on XXXX XXXX and XXXX. Either XXXX  failed to send the request to the creditor or the creditor ignored it. That seems to be common place with both companies. Sequium is not the most ethical company and neither is XXXX. So my complaint is regarding both 's failure to correct an issue that was simple to fix. It needs to be identical on both reports period! This updating the date constantly is not fixing nor resolving the problems. Therefore I'm not letting it go! I will go to civil court on both if this is not corrected! See the highlighted info on the bank statement, highlights on page 2 of the original letter sent to XXXX  and XXXX 's lame response attached that's still not corrected. Even the date the credit was received is inaccurate on XXXX  's response! It just gets worse! All info is on Sequium 's correspondence to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-09
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My daughter, XXXX XXXX XXXX called PayPal to close her account on XX/XX/2022 on XXXX and we were told that there was a pending case that was preventing the close of her account. However, this same case, was disputed by XXXX XXXX and my daughter has already been refunded. However, Paypal refuse to close this case, although they sent me a letter stating that they can't dispute this transaction because it is being disputedwas disputed by another entity, XXXX card. My daughter attempted to close this case in Paypal to be able to close her PayPal account but was prevented from closing the case online, thus she requested the Paypal representative to close the case. The paypal representative stated she could not close the case and said she was going to forward our call to another representative that would close the case. However, Paypal hung up the call and never forwarded the call. I got the impression that Paypal simply does not want to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-09
Company: EQUIFAX, INC.
State: CA
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:
four fraud and inaccurate car loans are reporting under my equifax credit file. 
i have disputed these several times i have even called the creditors but so far no results, i am very much stressed out and very much upset, please i researched and found out that o could complain about this situation, you are my last hope, i need to have these inaccurate and fraud accounts removed from equifax credit file. 
i will be attached my police report and the FTC report which has all the accounts reporting on my equifax credit on the FTC. 
help me to resolve this issue,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-20
Company: EQUIFAX, INC.
State: CA
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 am an authorized user on this account and the card holders high balances and pay history is affecting my credit score and employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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: Information belongs to someone else

Complaint:
Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TCF NATIONAL BANK
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This complaint is for checking account ending in XXXX. I disputed a transaction with TCF Bank a few weeks ago. The transaction was from XX/XX/XXXX XX/XX/XXXX for {$29.00} on XX/XX/2020. I canceled my card and everything. My bank TCF declined my dispute and allowed another transaction to go thru on XX/XX/2020 from the same merchant for XXXX. This is after I canceled my card and told them I didnt authorize the first XXXX transaction. These transactions are not authorized by me. I used to have an account with the merchant, but that account has already been canceled. I really cant believe TCF will go against their customers and continue to allow unauthorized transactions after a dispute and after a canceled debit card. Its like they forced the transaction to go thru my new debit card. If this is not resolved I will take further action.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: Freedom Mortgage Company
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinancing a mortgage at Freedom Mortgage XXXX XXXX to lower the rate. I sent all the mortgage information to a loan officer named XXXX XXXX at Freedom Mortgage. He talked to me about the loan so I sent him all the documentation requested. When I didn't hear from him, I tried to call him back and kept getting his voice mail. I didn't get a response when I left messages. When I tried to call for a different loan person they kept transferring me to XXXX because he was shown as working on my loan. I finally had someone that put me through to XXXX and was told he only had a certain amount of time for each loan and so he had to close my loan. I gave up on trying to go through Freedom because I couldn't get a different person to process the loan. 

I decided to go through XXXX XXXX. They requested the final payoff and didn't receive it. On XXXX I called Freedom and was told they couldn't see the request from XXXX and I should just request it because it would be faster. I did the request and within seconds of that, the loan person at XXXX said they finally received the document. I cancelled the request and was told the {$30.00} would take a few days to reverse. On the 26th I called Freedom because the {$30.00} charge still hadn't been removed. I was told that the final payoff that XXXX requested was at the bottom of my statements list and I could just call it up and print it. When I told them I couldn't see it they offered to send me a copy and they said it was complimentary especially since I couldn't see it on my list of documents. I said I really didn't need it because all the paperwork was already done for the new loan. They said it wasn't a big deal because it was just a matter of going to my email and no cost involved. When I closed there was a charge from XXXX for {$30.00} for the final payoff. I logged in to Freedom to make sure everything had been paid off on XX/XX/XXXX and found they not only didn't reverse the {$30.00} charge on XXXX XXXX but they also charged me an additional {$30.00} on XXXX XXXX. I wrote to their customer service and they didn't feel it was an issue. If someone can go through their recordings it will show everything I am saying. It is ridiculous to pay 3 times for the same information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-01-05
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: Account information incorrect

Complaint:
I sent XXXX XXXXXX/XX/XXXXan validation letter so they sent me a copy of my contract. From the contract Experian, XX/XX/XXXX and XX/XX/XXXXhas been reporting the wrong information on my credit report. I been disputing this account for about 5-6 months and they continue to report incorrect information. I've sent the contracts first primer has sent to me and they still reporting it. They also all are reporting different things 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 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX AND XX/XX/XXXX ON MY MORTGAGE ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2021-01-05
Company: TRUIST FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have contacted BBT so many times to get overdraft protection removed from my account. During this pandemic Ive lost my job and paid over an XXXX dollars during this pandemic. Im struggling and couldnt afford to pay over XXXX dollars in overdraft. I have called numerous of times and ALL representatives stated it was removed. 

The last representative finally stated that they couldnt do it themselves I had to do it.

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 2021-03-01
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has placed a random collection amount on my credit report which resulted in my score going from a XXXX to a XXXX This needs to be fixed, I have no knowledge of this random collection amount and have never had a derogatory mark/collection ever in my life

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: EQUIFAX, INC.
State: FL
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 appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX Balance Owed : {$18000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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 am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-04-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, licensed real estate agent XXXX XXXX, representing XXXX XXXX XXXX illegally trespassed on the property of my deceased parent 's home in order to take pictures for a Broker Price Opinion ( BPO ). The BPO was ordered by XXXX XXXX XXXX XXXX ( XXXX ), a known affiliate of XXXX XXXX XXXX , XXXX ( SPS ). I as the executor of the estate, which is currently in probate, was never notified nor gave authorization for XXXX XXXX or any other entity, to enter on this property. Posted signs are prominently displayed on the property and XXXX has been previously put on notice regarding trespassing. I contend XXXX has no legitimate claim to this property and no litigation is currently pending regarding this property. As result of XXXX XXXX XXXX illegal actions at the direction of XXXX and XXXX, I and my siblings feel violated and threatened. XXXX  continues to display a disregard for the law. I am seeking a cease and desist from any further trespasses, a copy of any XXXX produced and a copy of all pictures taking of this property. I reserve the right to file a criminal police report at my discretion. XXXX has been repeated told this property is NOT the property described in the purported mortgage. In addition, XXXX has yet to provide a legitimate claim per XXXX Surrogate Court Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: EQUIFAX, 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 sent in a dispute to Equifax regarding XXXX. The info doesn't match real time issues that took place. Instead of fixing it they keep updating the date which means it stays on my report many more years longer than it should. My goal was to force XXXX to update the information on XXXX XXXX and Equifax. Either Equifax failed to send the request to the creditor or the creditor ignored it. That seems to be common place with both companies. XXXX is not the most ethical company and neither is Equifax. So my complaint is regarding both 's failure to correct an issue that was simple to fix. It needs to be identical on both reports period! This updating the date constantly is not fixing nor resolving the problems. Therefore I'm not letting it go! I will go to civil court on both if this is not corrected! See the highlighted info on the bank statement, highlights on page 2 of the original letter sent to Equifax and Equifax 's lame response attached that's still not corrected. Even the date the credit was received is inaccurate on Equifax 's response! It just gets worse! All info is on XXXX 's correspondence to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: GOLDMAN SACHS BANK USA
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am writing to file a formal complaint against Marcus Goldman regarding their failure to credit the promised bonus to my account. I participated in their promotion, which required depositing {$10000.00} to receive an extra {$100.00}, in XXXX of this year. Despite meeting all the necessary conditions, I have not received the bonus. 

Here is a timeline of the events and interactions I have had with Marcus Goldman : In XXXX, I deposited {$10000.00} into my account to fulfill the promotion requirements and become eligible for the bonus. 

The bonus appeared on my account initially but stopped showing up in XXXX. 
Concerned about the missing bonus, I called Marcus Goldman 's customer service and I was informed that there was a technical error but assured that I was still eligible for the bonus. I was told that the bonus would be credited to my account on XX/XX/XXXX. 

On XX/XX/XXXX, as the bonus did not appear on my account, I contacted customer service again. I was instructed to maintain the account balance until XX/XX/XXXX. 

Following their instructions, I kept the balance in my account and called customer service once more. On this occasion, I was assured that I had met all the conditions and the bonus would be credited within 1-3 business days. Additionally, I was informed that I was free to move the balance in my account. 

Based on the information provided, I removed the {$10000.00} from my account on XX/XX/XXXX, expecting the bonus to be credited soon. 

Today, XX/XX/XXXX, I engaged in a chat conversation with a Marcus Goldman agent who was not only rude but also claimed that my account was not eligible for the bonus because there was no balance. This contradicts the information previously given to me and is extremely frustrating. 

Throughout this process, I have been constantly fed inaccurate information and denied the promised bonus, despite fulfilling all the requirements. This situation has caused me significant inconvenience and has damaged my trust in Marcus Goldman.

I kindly request your intervention in this matter. I believe that Marcus Goldman should honor their promotional offer and credit my account with the {$100.00} bonus as originally promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX : o XXXX XXXX XXXX XXXXXXXX Balance : {$15000.00} o XXXX XXXXXXXX Balance : {$26.00} o XXXX - XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} XXXX : o XXXX XXXX XXXX XXXX XXXX : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00} TransUnion : o XXXX XXXX XXXX XXXX Balance : {$15000.00} o XXXX XXXX Balance : {$26.00} o XXXX XXXX XXXX Balance : {$0.00} o XXXX XXXX XXXX Balance : {$520.00} o XXXX XXXX Balance : {$0.00}

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