BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TRANSUNION FAILED TO INVESTIGATE MY DISPUTE

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 2021-08-08
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I am a small businessman fixing AC and Heating systems. 

I use PayPal merchant services to receive payments from customers. 

On XX/XX/21, I received {$3700.00} from a customer. Pay Pal charged me {$130.00} as a fee. Then they charged a further {$10.00} to instantly transfer the balance of {$3500.00} to my bank.

But they also held {$230.00} for 21 days. They claim that is their policy.

I believe this is illegal or at minimum an immoral practice.

I seek your advice please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
Company: Experian Information Solutions Inc.
State: UT
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:
As of XX/XX/2022 I reached out to all three credit bureaus, Experian, XXXX, and XXXX to have them investigate my accounts as I believe I have accurate and fraudulent information on my accounts. I have multiple accounts that do not match the one another records and what I have also. There are multiple accounts that Is too much to add here all though if you need any additional information feel free to reach out via paper mail. 
Please hold them accountable

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 2018-04-05
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: Account status incorrect

Complaint:
Account is showing a late payment for XX/XX/2017 30-59 days. It was not late in XX/XX/ 2017. I contacted XXXX  and they told me they couldn't find a late payment. I asked the lady to fix the incorrect information and she told me that she would get someone to type the letter up and send it off to get the late payment removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: CL Holdings LLC
State: IA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recieved a notification of a debt on my credit report stating that jefferson capitol systems had aquired a debt from XX/XX/2011 for the amount of {$790.00} which they purchased from us cellular. I have not recieved any mail notifying me of said debt. Not to mention the statue if limitations on most debts is 7yrs, others is 10yrs. They have reported this debt twice on my credit report from experian. That also is fraudulent. I have asked them twice now to remove the debt from my credit and the 1st time i was hung up on. The 2nd time they were dismissive of my demands to have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I applied online to get a 2 month extension for my car payment from Toyota Financial since I was unemployed due to Covid. I received an email to say I was not approved. I called and spoke to someone at Toyota after receiving that email regarding an extension for my payments for XXXX and XXXX it was approved. On my statements for XXXX and XXXX it shows {$0.00} due for XXXX and XXXX. I resumed payments for XXXX as agreed. Now Toyota says is trying to collect for XXXX and XXXX. I was reported to the credit bureau as late for XXXX and XXXX and they are trying to escalate recovery. I have called several times to ask to speak to a supervisor and they refuse to call me back. I am getting harassing calls from collectors and they are going to re-posess. They said that they can not go back and review the phone call because they dont have it on file anymore. They can not pull up the their own billing statement that they sent to me that shows amount due {$0.00} ( although I can pull it up on my online account ). I was told I could defer payment for 2 months, the statements reflected the XXXX due for those months. I have resumed payments for XXXX going forward. A supervisor refuses to call me back. They refuse to verify the statements that say XXXX was due for those 2 months. I am still unemployed due to Covid yet I have resumed payments since XXXX. I think it is deceptive and fraudulent to try to collect on something that I was told was deferred. Any assistance is appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
In XX/XX/XXXX, I had a student loan debt consolidation with XXXX XXXX that included XXXX and XXXX XXXX XXXX loans. My XXXX loans were sold to XXXX XXXX XXXX in XX/XX/XXXX or XX/XX/XXXX. I was never notified that this happened because I moved, nor was there any worries about making payments since XXXX XXXX approved a loan forbearance. I disputed with XXXX that I had XXXX student loans in forbearance and XXXX XXXX placed them in forbearance as well ; yet, when XXXX XXXX sold loans to XXXX, XXXX did not honor the forbearance and reported late delinquencies. ( See attachment XXXX Forbearance Loan Declaration.pdf for forbearance dates that XXXX XXXX agreed to honor ). I began rebuilding my credit in XX/XX/XXXX or XX/XX/XXXX and sought the assistance of a Credit Repair Specialist. She contacted all my debtors, including my student loans. After 3 months I decided I no longer needed her assistance. In XX/XX/XXXX, XXXX XXXX XXXX reported a Charge-off on my XX/XX/XXXX pay history. I contacted Customer Advocate at XXXX on XX/XX/XXXX. About 7-10 days later I spoke with XXXX XXXX about the Charge-off. She stated that the loans are sold to XXXX XXXX XXXX and can not make any changes to the credit reporting. I disputed the inaccuracy with XXXX and they upheld the credit report and made no changes. I have attached credit reports of my XXXX and XXXX report for reference. **Update : I reviewed my credit report and the Charge-Off in XX/XX/XXXX seems to have fallen off ; however, as retaliation XXXX has reported a " Failed to Pay '' in XX/XX/XXXX. The account was consolidated and XXXX was Paid in XX/XX/XXXX. Also, this is the same dispute I have with XXXX XXXX Assistance. I have attached their response ( XXXX Response.pdf ) for reference. Please note the XX/XX/XXXX date that XXXX has been reporting delinquent, but was not the account holder until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I reached out to both XXXX and Equifax regarding these inquiries that were made with no permissible purposes. Both have refused to even address these matters. There is no permissible purposes for these inquiries listed below and should further more be deleted from my file. 
I have repeatedly requested requested, per the fair credit reporting act, that these be deleted. 

Equifax : XXXX - XX/XX/XXXX ; XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX Transunion : XXXX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX/XXXX - XX/XX/XXXX - Fraud inquiry XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 8th

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: EQUIFAX, INC.
State: NC
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 would file a dispute and the dispute will open and close out on the same day. No real investigation is done and this has been done several times. 

I am a victim of identity theft and several information breaches including Equifax. Someone has been using my information to acquire things for personal gain.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage has refused to refund late fees ( 2 ) and a property inspection charged in error. They responded to a previous complaint # XXXX, claiming that all would be corrected. However, as of the date of this writing there has been no refund to me or the account. I have made multiple calls to the person who wrote the response with no response.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Back in XXXX of 2021 I opened a Merrill Lynch XXXX stock trading brokerage account. I gave them all my personal information and setup a login. I got the checks and all the information sent to me for these accounts. I then downloaded the phone app and began setting that up. For a short period of time I had a login and access to this service. However, there were then technical errors accessing the account. I called the local XXXX office to inquire about this and setup an appointment. I got an appointment time set and was thinking of also adding the bank of america account that is partnered with perks at the same branch location. I put considerable time and energy into the account setup. I am unable to access the account. After several hours and many representatives on the phone, I am still unable to access the service. I have since been told the accounts were all closed by Merrill Lynch. This was against my will. I did nothing to deserve this. Please confirm if this is accurate? What is my account status? Is it true you are not willing to serve me or open an account? If so, why? This is considered breach of contract and negligence as well as discrimination. I am XXXX  and also a minority now. Please explain why I am being denied services?

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 2019-03-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened a new account on XX/XX/2019, after paying off a previously owed balance. Suddenly around the beginning of XX/XX/XXXX I was told by customer service that my account was on hold and to contact my branch. I contacted them and they said my account was scheduled to be closed but they had no date. I have not received any correspondence regarding this. I currently have over XXXX on hold and they will not allow me to access my money and I keep getting the the runaround. The branch says its out of their hands but customer service keeps saying I need to contact the branch. No one has helped me and they claim that there is no way to contact the department that is supposed to be closing my account. They just say I just need to wait but I need my money. It has almost been over a month and I have not had any access to my own money.

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 2020-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Personal information incorrect

Complaint:
My address and phone number has changed. I let the company know but they have not updated it. I have attached the required identity documents.

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 2021-04-28
Company: National Credit Adjusters, LLC
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: Information belongs to someone else

Complaint:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX NATIONAL CREDIT ADJUST XXXX ... XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX ... XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: EQUIFAX, 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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CU 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 SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Im filing this complaint against XXXX XXXX XXXX and equifax credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation wrong information such as old address wrong employers email address public information on my credit report and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened up a checking account with SunTrust bank on XX/XX/XXXX. 

On XX/XX/XXXX of the same year, I had not been able to access my online account for a couple of days, so I contacted my bank, via their customer service line. I was informed that my account was under review and my account was unavailable for withdrawals and that SunTrust had also decided to close my account as well. When I asked why my account had been frozen, no reason was given. I was informed that my local branch may have the reason instead. So, I drove to my local branch, where I was told that they could not access or provide any specific reason why my account was being frozen, reviewed, or closed. I was informed that funds would be mailed to me once the review and closure was completed. When I asked for a timeframe, as I need that money to pay rent and bills, I was informed that there wasn't one. The only thing I could do was to just keep following up with the 1-800 corporate number. My current balance, as of today, is {$2200.00} and I was told repeatedly, in person and over the phone, that there is no way to give me my money. 
The best explanation I received was that my account was being closed for " loss prevention ''. Plus, once this " review '' is completed, the only assurance I have received is that my " remaining '' balance will be mailed to me. I have received no assurances that my current balance will be returned, only whatever remains after they decide how much of my own money that I get to keep. I have never had a negative balance, overdrawn my account, or been charged any penalty fees of any sort. I have no court judgments and owe no creditors money. I was also never contacted in regard to this action. The only way I even found out was because, of my own volition, I contacted customer service regarding my account. How am I supposed to pay my rent, which is due on the XXXX of each month, when my bank, for no reason that they can provide to me, froze my account funds for an unspecified amount of time and took my money, so that they can use it in various aggressive investment? My money has been held unjustly. I am not a criminal. I am a low income XXXX female that has been collecting unemployment. This is an unlawful garnishment of my government provided unemployment income. These people claim to " care '' about XXXX justice, but in practice we are just pockets for them to rob from.

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 2021-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On multiple dates since XXXX of 2020 I have stated to them that I did not validate any of these accounts on my credit report and since I am the original creditor, I asked that they delete them from my credit report and to send me an updated credit report with them deleted. I haven't heard anything from them in the last 60 days, and this is causing me tremendous stress and am currently XXXX because of their negligence.

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