BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-11-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have not authorized these inquiries and am of the strong opinion that they are fraudulent in nature. I kindly ask that you undertake a thorough investigation and ensure their removal from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have consistently made on-time payments for these accounts, and I kindly request that you update my records accordingly. It's frustrating because I've always paid on time, which makes this situation seem unreasonable.

Company response to consumer: In progress
Consumer complaint received 2023-07-28
Company: Experian Information Solutions 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:
Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by means the consumer :

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 2023-09-05
Company: John C. Heath, Attorney at Law, PLLC
State: NY
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Charged upfront or unexpected fees

Complaint:
I started with Lexington Law after speaking to one of their representatives in XXXX. Rep confidently promised me that my score would be in the XXXX in the matter of a couple of months for a simple fee of $ XXXX a month, I payed Lexington Law for a long time and absolutely nothing changed due to their actions or lack thereof. Lexington Law continued to bill my debit card and account even though they werent doing anything to change my circumstances of identity theft etc. late fees and all

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Consolidated student loan with XXXX XXXXXXXX XXXX  to qualify for PSLF I filed paperwork and it was accepted about 6 months ago .. 8 years of payment were not counted. I tried calling multiple times and they told me to just wait .. now loans transferred to Mohela and still not counted .. Mohela after multiple tries says unable to answer call in its voice menus.. How do I get my payment count updated .. get to someone at mohela for force a manual payment recount review?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not my account, I have submitted a Identity Theft dispute with the Federal Trade Commission in regards to this matter and I would all information that is being reported on this account be immediately deleted. 
The account opened on XX/XX/2023 it is now closed but still showing a XXXX $ balance. 
The Fair debt collection practices and fair credit reporting act states that the information reported on consumer must be accurate. The account opened XXXX 2023 This is not my account, I would like all information being reported from this ( XXXX XXXX ) account be deleted immediately, and a written notice of this information being deleted or I will be forced to sue for damages and negligent enablement.

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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-09-05
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a promotion on my Synchrony Discount Tire card for 0 % until XX/XX/2023. I forgot to pay the remaining balance before the accumulated interest went on my balance. I called on XX/XX/2023 to ask if there was any way to remove the accumulated interest. They replied by telling me there was a 30-day grace period but since we are 2 days past the 30 days, there was nothing they could do. The XXXX was a federal holiday. the XXXX was a Sunday. Banks are usually closed during weekends and holidays. NOWHERE on the bill did it say when they were open/ closed or what times they were open/ closed. 

This was all, of course, my error. But to include a holiday weekend in the grace period, is pretty scammy for a bank. 

I've had a handful of store credit cards under synchrony and EVERY SINGLE TIME, i close the account as soon as my balance is paid off. not because I don't use those stores, but because Synchrony has ALWAYS given me trouble. there site won't let me log in half the time. their customer service reps BARELY speak XXXX... it so hard to understand what they say. And they have pretty sketchy " fees '' ; now this!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I believe my information mightve been leaked. I believe that theres information on my current report that is not correct and I just want to throw investigation to make sure that everything is accurate and up-to-date. I dont believe it is I can be reached at XXXX if theres any other questions that I need to answer or you can reach me at XXXX XXXX all lowercase. And all one word thank you for your time.

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 2023-07-28
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: Information belongs to someone else

Complaint:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-09-05
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This happened like 7 years ago! 

i returned a phone before the 14 days grace period to return such a device, XXXX XXXX NEVER COMPLETED THE RETURN, 5 YEARS LATER THEY SEND ME THE BILL FOR THE PHONE THAT I RETURNED 5 YEARS BEFORE THEY ACTUALLY SENT ME TO COLLECTION, NOW MY CREDIT WENT DOWN THE HILL TO THE XXXX! LESS XXXX POINTS! FOR SOMETHINH THAT I DOT HAVE AND THAT I NEVER USED IT!!!!!!!!!!!!!!!! THIS IS HORRIBLE! I NEEE HELP TO REPAIR MY CREDIT, TRY TO CONTACR XXXX AND IS PTRACTICALLY IMPOSSIBLE, THEIR WEBSITE DOES NOT WORK! 

THIS IS HOW IT APPEARS ON MY CREDIT FILE Collections XXXX I.C. System, Inc XXXX to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I had submitted a dispute letter to you recently and received a response that is nothing more than a stall tactic. The errors on my credit report that were addressed are inaccurate and your refusal to comply with my dispute request is not acceptable. If your investigation is not able to confirm the validity of the accounts information I believe is inaccurate, please update it right away. Additionally, please supply the description of the procedure used to determine the accuracy and completeness of the information. This is your final chance to resolve the inaccuracies on the items : Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX, Chapter XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This letter is to formally advise you that I believe your company has violated several of my consumer rights. Specifically, you failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : another FCRA violation. Not only have you ignored my prior requests for validation of debt but you continue to report this debt to the credit bureaus causing damage to my character. 
This letter will again request that you follow the FDCPA and please provide the following validation of debt request : -Proof of your right to own/collect this alleged debt-Balance claimed including all fees, interest and penalties-Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' legally means that you had a duty to speak but failed to do so therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense.I expect to receive the proof requested above within 15 days of this letter. Should you again ignore my request for validation of debt I reserve the right to sue your company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Im Filling a complaint against Bank Of America concerning monies taken from the XXXX XXXX ATM Branch on XX/XX/2023. According to bank Of America the amount of {$910.00} was taken from the XXXX XXXX XXXX ATM. I received an email stating that my acct was below the amount I set to be contacted if the amount falls below {$15.00}. I called Bank Of America concerning the transaction to see how was this possible they told me is was done through an ATM at XXXX XXXX branch I ask how is that possible when I didnt go to the bank that day and I have my ATM CARD present with me they told me is possible because thieves put scanners on the ATM machines to scan people cards, so I proceeded to file a Fraud claim with Bank of America.XXXX XXXX XXXX XXXX they sent me a letter back, telling me that claim has been resolved, and during their research, they reviewed the ATM footage and found that high made the withdrawal, and as a result, my claim has been denied.. I asked him to send me proof of the pics that made them come to that decision and I received the pics in the mail and that picture does not look nothing like me. So I refilled a second claim and just received the mail back today dated XXXX XXXX and it states again your claim has been resolved review the ATM footage and found that you made the withdrawal as a result your claim will remain denied. This is unacceptable Im on unemployment and I did not make that withdraw of {$910.00}. Please Help you are the 3rd agency Ive reached out to with no luck or help in retrieving my money from Bank of America.

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 2023-09-06
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet

Complaint:
I am a XXXX person who is XXXX  XXXX. I received money from the Social Security administration because of this. I had a home healthcare worker fraudulently access my PayPal and steal XXXX. They laundered it through my PayPal. I contacted Paypal when this was discovered and it fit within the parameters for them to give me protection and re-place the stolen funds. I was elated as I needed the money for an XXXX XXXX. I followed all of their instructions to the tea. However, when my funds were recovered, it would not allow me to cash out the balance. I was able however to make a couple {$1000.00} transfers and when I went to meet the last one it locked my account and they said that they are now closing it and I had to wait 180 days if I have to wait 180 days, I will miss the window for the XXXX  which will have a huge impact on the rest of my life. This is a medical necessity. They said they are holding the funds in case of a charge back the only charge that could possibly be charged back is a {$16.00} payment from a friend. Its absolutely absurd that they want to hold {$1000.00} over that they need to give me my money so that I have a chance at some small amount of repair to my XXXX. This is. An emergency medical situation and they are screwing around. They are not a bank. They dont have the right to do what theyre doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ON XXXX I deposited a cashiers check for {$49000.00} in ATM that was endorsed and signed over to myself. ON XXXX of XXXX the check clears and a hold was placed again. On XXXX the funds would be available but only to be placed back on admin hold I called TRUIST they advise me to walk in the branch I deposited the check in. On XXXX I go to the XXXX XXXX XXXX TRUIST win XXXX Ga to no avail no help was provided. I was advised to a branch leader that was no assistant. Around XXXXXXXX XXXX on XXXX I referred to the TRUIST at XXXX XXXX XXXX GA for a branch leader and no assistance was provided. ON XXXX I called TRUIST they again advised me to go back to the branch. ON XXXX I went back to the TRUIST ON XXXX XXXX XXXX IN XXXX where I was assisted by XXXX. XXXX himself calls TRUIST and I was then told to wait for TRUIST to give me a call.

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 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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 be investigated and corrected for erroneous reporting in my file and are listed on my credit report. XXXX XXXX Balance : {$110.00} ; XXXX XXXX XXXX XXXX Balance : {$20.00} ; DEPT OF ED/XXXX  XXXX Balance : {$670.00} ; DEPT OF ED/XXXX XXXX Balance : {$1900.00}.

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 2023-12-08
Company: EQUIFAX, INC.
State: TX
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:
My student loan was paid off in XXXX with the Public Student Loan Forgiveness Program, just over {$39000.00}, which is over 40 % of my debt. XXXX states they report the status monthly and the credit reporting agencies have up to 90 days to make updates. It has been over 90 days since they were notified and they still show me owing that debt. I submitted the letters and balance information from XXXX and they processed the disputes but determined not to change any of my information. I gave them all supporting documents I have access to, and according to XXXX they have sent the documents to them but they are unwilling to remove the debt from my report. They still show the entire balance as active.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Dear PayPal Team, I hope this message finds you well. I am writing to express my deep concern regarding the recent permanent limitation placed on my PayPal account, associated with the email address XXXX. 

First and foremost, I believe there has been a mistake in this decision. To the best of my knowledge and understanding, I have not violated any PayPal policies or engaged in any activities that would warrant such a severe measure. The sudden and permanent restriction of my account has taken me by surprise, as I have always strived to comply with all PayPal rules and regulations. 

In light of this, I kindly request that you thoroughly re-investigate my case. I am hopeful that upon closer examination, it will become evident that this limitation was placed in error. I value the services provided by PayPal and the convenience it offers for online transactions. Losing access to my account has significantly impacted my ability to conduct financial transactions smoothly. 

I implore you to reconsider and, if possible, restore my account to its previous status. This would not only alleviate the inconvenience I am currently facing but also reaffirm my trust in PayPal 's commitment to fair and just customer service. 

I appreciate your prompt attention to this matter and kindly request updates on the progress of my case. I am eager to resolve this issue as soon as possible to resume using PayPal for my online financial needs. 

Thank you for your understanding and assistance in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation