BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-09
Company: Experian Information Solutions Inc.
State: VA
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 sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2019-08-07
Company: JPMORGAN CHASE & CO.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, The attachment documents definitely don't verify the debt on documentation with Chase and it doesn't make sense. How can I settled the account on XX/XX/XXXX but it was charged off on XX/XX/XXXX. No way this can be validated method of verification or proof of required documentation. 

On XX/XX/XXXX i wrote to them this below ... .. 

Chase Credit Card Services Attn : Consumer Dispute XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX RE : Acct # XXXX it shows 30, 60, 90, repetitive 120-day and multiple KD statement which makes the report inaccurate and a violation. Please update accordingly or remove this account from my credit report. Your agency has " CO '' listed several times on my credit report which is a major violation of the FCRA. Also it shows 30, 60, 90, repetitive 120-day and multiple KD statement which makes the report inaccurate and a violation. Please update accordingly or remove this account from my credit report. 

Dear Manager : I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. 

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account. 

If you wish to send me documentation that you will remove this account from my credit report, that is all I will require. 

Otherwise, please provide me with your documentation showing that this account does indeed belong to me. 

Please send me copies of the contract used to establish the account with my signature on it. 

Pursuant to the above referenced Title Section ( e ) ( 3 ) : I will expect a written reply within the required 30 day timeframe. 
Sincerely yours, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05
Company: EQUIFAX, INC.
State: CA
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:
I have tried to resolve the problem with no results. XXXX XXXX XXXX is a collection agency which is not licensed in the state of California and is illegally trying to collect a debt. I have a complaint on file and it was not satisfactory XXXX. The response from XXXX XXXX was unacceptable. CFPB closed the file accepting the response from XXXX saying licensing is delayed. That is totally illegal. Collection agencies must be licensed properly before harassing and sending threatening letters. That's like a consumer or a driver not having a license, if detained that driver is fined. I am requesting all of the data collecting companies XXXX XXXX, XXXX and Equifax along with the other data XXXX XXXX, XXXX and the others remove this data from my consumer credit reports immediately. Above all permissible purpose was not given by this third party to report my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I informed Experian, XXXX, and XXXX to reinvestigate these accounts : 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, However, they stated everything was complete and accurate. But is that possible if the open date, date of last activity and much more is incorrect. According as stated in 15 U.S.C 1681 ( 5 ) they are supposed to modify accounts that isn't reporting correctly. 15 U.S.C 1681 SECTION 602 A : States I ha
ve the right to privacy.

15 U.S.C 1681 SECTION 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 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 by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-06-16
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I purchased an item using XXXX, the total of the purchase is {$24.00}. On XX/XX/2020, I opened a dispute with XXXX because the seller sent me the wrong item, I returned the item to the seller, the seller is from XXXX so the item is only able to be tracked in the United States. I was told at the post office that once the item reached XXXX, that I wouldnt be able to see the tracking information being updated because they didnt have control over it. I provided XXXX with the tracking number on XX/XX/2020. The tracking information is stuck on XX/XX/2020 and it wont be updated for this same reason, I believe that the seller has already received his item and I still dont have my money refunded to my PayPal credit account. The tracking number is 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 monetary relief
Consumer complaint received 2023-01-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX a client sent me XXXX  on my Venmo account. 
I immediately tried to transfer the money to XXXX of my bank accounts linked to my Venmo account. I accepted to pay their {XXXX} fees for an instant transfer. As the instant transfer request did not work, I called Venmo. They told me that this was a glitch in their system and to use a standard transfer, and I did it. 
To my astonishment, I received an email from Venmo telling me that my account had been frozen. This is what they say : " Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement '' I immediately called them multiple times to ask why, and they refused to give me a reason. I used their system to send a request on XX/XX/XXXX, they did not answer. I called again on XX/XX/XXXX and XX/XX/XXXX and could not get any answer. 
As I can not get my money, I can not ship the product my client ordered, and he wants me to cancel the transaction and refund him. Because of the unlawful attitude of Venmo, I will lose {XXXX}. This is not acceptable, and they should be liable. 
I have the feeling they illegally do this to thousands of clients, keeping their money for making profit. 
I am attaching a statement from Venmo showing that I should have received {XXXX} by XX/XX/XXXX, which did not happen. They tell me if did not happen because my account is frozen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: VA
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/block any accounts 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 are the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$100.00} Medical XXXX Balance XXXX {$200.00} 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 response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
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: Personal information incorrect

Complaint:
I tried to rent an apartment and was denied. I requested a copy of the credit report and was shocked to see all of the incorrect addresses, phone numbers, employers, mis-spelled names. 

I contacted the credit agencies in order to fix the all of the errors. It has been longer than 30 days. 

The credit agencies will not let me delete the in accurate information listed above. In addition, my identity has been stolen and was part of the data breach reported by the Texas DPS.

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 2020-06-16
Company: Experian Information Solutions Inc.
State: CO
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/2020 I placed a dispute through Experian that my credit card balance with XXXX XXXX ( XXXX XXXX ) is still reflecting an inaccurate balance of {$250.00} when this was paid in full as of XX/XX/2020. Today is XX/XX/XXXX, and my dispute was completed with the same balance that XXXX XXXX reported with the same inaccurate balance. 

I tried calling XXXX XXXX customer service to speak to a supervisor to have the balance information updated but was spoken to rudely and refused on several fronts.

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 2020-07-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I phoned TJX Mastercard in XX/XX/2020, due to an expected unemployment in the household, which caused a financial hardship to postpone payments. I checked my bank account in XX/XX/2020, and the credit card company withdrew the funds from my account. The credit card company did not honor the deferral of payments. So, on XX/XX/2020, TJX Mastercard informed me they would defer the payment for three months ( XXXX, XXXX, and XX/XX/2020 ) for my inconvenience. On XX/XX/2020, around XXXX I received an email stating my payment was missed for the month of XX/XX/2020 and I was late being charged a late fee. 

My complaint is they didn't honor their word of the deferral of ninety days with no payments, in addition I was charged a late fee. When I asked if they would honor skipping this months payment I was told " Sorry there are no more deferrals. ''

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 2023-04-05
Company: Prosper Marketplace, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XXXX, XXXX, XXXX, a company I pay to monitor my credit notified me that a credit inquiry was made by XXXX XXXX. My XXXX Representative immediately contacted XXXX XXXX on a 3-way call with me and we were assured a credit account would not be opened. In XXXX, I started being harassed with letters and phone calls from XXXX XXXX stating that my account was past due. I also saw that my credit score dropped from over XXXX to under XXXX. I called XXXX on XX/XX/XXXX at XXXX and they assured me they would open an investigation. I called again on XX/XX/XXXX and was told the same thing. I heard nothing back and later received a collection call from XXXX. I told them my situation and they assured me that an investigation would be opened. Still, nothing was done. I sent an email to XXXX and received a return email with Reference ID # : XXXX assigned to the case and they stated they would open an investigation. As of today, this delinquency is being reported on my credit report and I can not open other accounts due to my poor credit score.

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 2021-05-11
Company: National Credit Adjusters, LLC
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:
Violation 1 : Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 On 4/19/2019, I sent a certified letter to National Credit adjuster stating that the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), states that I have the right to dispute the debt and for them, NCA, to validate the debt. In the letter, I stated that it wasn't a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. NCA responded, by stating that they were not able to validate and that the debt would be closed. Shortly after receiving the letter, the debt was shown as closed on my credit report, and while later, it was deleted on all three bureaus. Now, this month, years later the debt has resurfaced without any communication or validation from NCA.

Violation 2 : FCRA 623 ( a ) ( 7 ) ( G ) ( i ) National Credit Adjuster failed to notify me that they supplied negative credit information to the credit reporting agencies.

Per the above-named Title and Section, a creditor or debt collection agency, must provide the notice either before they furnish the negative information or within 30 days of furnishing it. The debt collector or creditor have to include the notice with a notice of default, a billing statement, or another item sent to the consumer. They were in violation the first time they placed it on my report, and in violation when it was placed on my report this month. NCA failed to follow those rules, and is in violation of the FCRA and FDCPA..

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: Experian Information Solutions Inc.
State: NY
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:
See list of inquiries on my credit that I did not authorize and I know nothing about. 
XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX/ XXXX XXXX   XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX/XXXX   XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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/block any accounts 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 are the list of items which do not belong to me or were opened without my permission. 

XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXX VA XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, VA XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$1200.00} XXXX XXXXXXXX XXXX XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$1500.00} XXXX  XXXX Balance XXXX {$1000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$130.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXXXXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$1200.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance : {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$100.00} Medical XXXX Balance XXXX {$200.00} 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 2019-05-23
Company: M&T BANK CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
M & T bank keeps calling my cell number demanding payment on a credit card for which Ive never had. In fact, Ive never ever done business with them. They are extremely rude & aggressive & I have asked them repeatedly to stop calling me & they will not stop. AND, my cell phone number is on a do not call list!

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 2023-10-11
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 {$5100.00} was used from my debit card that i did not authorize. Upon realizing that my card was missing and all my information was hacked i called wells fargo and changed all of my banking information and changed all the information within my phone. Wells fargo has denied the claim because a chip and pin was used but i already told them when they called to get more information that i did not share my information with anyone and it was compromised. They then claimed to have called XXXX and said that XXXX stated XXXX are hard to hack into. Which is also false, they also said get proof from the merchant and they will open it again, i tried and have nothing. They said stated that i deposited the money the day before which i did so i can pay my bills, which has nothing to do with my now missing money. I took all the necessary steps and still no help from wells fargo.

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