BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I hope you are doing well as I write this. I'm writing to let you know about an issue with my credit account that I have with your organization. Following an examination of my most current credit report, I discovered that late payments have been documented for my account. 

I am dedicated to keeping my financial obligations, and I recognize how important it is to keep a clean credit record. But I think the stated late payments don't fairly represent my dedication to fulfilling my duties with XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX - This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX customer service. 

Please look into this for me and, if needed, take the right action to get the late payment entries erased from my credit report. Thank you very much for responding to this request so quickly. 

I appreciate your cooperation and understanding in getting this resolved. I'm looking forward to hearing from you favorably and keeping up our good working connection with XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Synchrony Bank closed my XXXX XXXX XXXX Account claiming that I made a {$30.00} that was returned. This was a payment supposedly done in XX/XX/2023 when my Synchrony Bank Account was on a Natural Disaster Deferment. In other words, no payment was retired. Therefore, I did not schedule a payment for the month of XX/XX/2023. My bank, XXXX XXXX does not have a record of such a payment even being presented from Synchrony Bank for {$30.00}, during the month of XXXX. The last payment my bank has was made and cleared my account on XX/XX/2023, for {$7.00}. Because of the supposed {$30.00} payment being returned, Synchrony Closed my XXXX XXXX XXXX Account. Once again, I did not make the payment of {$30.00} in the month of XXXX, nor did I authorize anyone to make a payment on my behalf.

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 2023-12-18
Company: ADP Inc.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
in the first week of XXXX of 2023 i requested a new bebit card. by XX/XX/XXXX no card had arrived. i called and requested another on XX/XX/XXXX and today, XX/XX/XXXX, still no card has arrived. this account has around {$600.00} in it that i need.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
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:
Experian is reluctant to remove incorrect and invalid information. I have been disputing for YEARS. Im pursing legal action at this point. I have submitted FTC reports with no response or change to my report. The account in question is XXXX XXXX from XX/XX/2020. Experian is unable to provide you a valid phone number or address for that invalid account. My report is also full of wrong information. They have an XXXX addresses their completely unrelated to me. 
the XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX is also not my address. XXXX XXXX is never a name I have gone by! Its clear that my report is being mismanaged or mishandled by the credit Bureau Experian. Thy must correct all the errors.

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 2023-03-25
Company: EQUIFAX, INC.
State: WI
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 have reached out to equifax on multiple occasions the last year to CORRECT or delete the inaccurate information on my credit report. I have submitted PROOF directly from the companies that I filed bankruptcy and that these accounts are to have a XXXX balance or deleted from my report. I was sent information on letters stating that they verified it, but don't state how nor was any proof given. I was only told that it was verified through XXXX XXXX also that they purchased my info from them. They also advised me that they received this through third party public information. This alone is violations under FCRA and USC laws. These laws state that I have the right to privacy which means 1 did not give them authorization to report this on my behalf. FCRA 623 ( a ) ( 5 ) states if the credit bureau cant VALIDATE the information with the ORIGINAL CREDITOR they must remove the information from my report. 

YOU HAVE 15 DAYS FROM RECIEVEING THIS TO VALIDATE THIS OR ELSE REMOVE IT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-01
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX  XXXX bankruptcy discharged reference number XXXX in accordance with The Fair Credit Reporting Act XXXX XXXX XXXX XXXX has violated my rights 15 usc 1681 section 602 a states i have the right to privacy. 15 usc 1681 section 604 a section 2 it also state 's a consumer reporting agency can not furnish a account without my written instructions

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 2023-11-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was banking with Capital One and I deposited a check which was not in my name they told me that I need to verify that I had permission to deposit the check I gave them a phone number from the issuer of the check and from the name written on it but they said that they can still not verify it. Now my money has been locked for more than a full year with no resolution. The money they keep is even more than the amount of the problematic check!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: EQUIFAX, INC.
State: MN
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:
Hi, My name is XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the Equifax data breach and might are becoming into the fingers of the wrong person.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
TransUnion and also XXXX, and XXXX have the wrong falling names and addresses on my credit. This are the falling wrong names and addresses information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX CA XXXX TRANSUNION- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX CA 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 2023-01-10
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 sent a letter to EQUIFAX on XX/XX/22 via certified mail notifying them that a fraudulent XXXX BANK account ending in XXXX was reporting on my account and it was to be removed and deleted immediately. EQUIFAX did not comply. 

I sent a second letter to EQUIFAX on XX/XX/22 and attached an FTC Identity Theft Report noting the XXXX BANK account ending in XXXX. The XXXX BANK account was finally deleted from the credit report. 

Due to needing my credit report to be clean and where it should be so I can get approved for a home, after about XXXX weeks of waiting for updates, I noticed that my credit report was not updating with the changes and decided to call EQUIFAX directly. ( I also sent a second FTC Identity Theft Report on XX/XX/22. ) I called and the employee from the dispute department assured me that the aforementioned XXXX BANK account was no longer reporting and to wait for the changes to update. I patiently waited another 2 weeks and nothing changed, so I called again. The employee from the dispute department confirmed to me again that the aforementioned XXXX BANK account was not showing on my credit file ( case # XXXX ). Since I was unable to access my report online, I asked for an updated credit report in the mail. I patiently waited another 2 weeks for the changes and my updated report and there were no changes. I called again and the employee from the dispute department told me that the aforementioned XXXX BANK account in question was in fact reporting on my file ( case # XXXX ). I am EXTREMELY frustrated. I was lied to. 

EQUIFAX is ruining my reputation by reporting this fraudulent account and are violating my federally protected consumer rights under the Fair Credit Reporting Act. I did not give EQUIFAX written instruction to report the ( FRAUDULENT ) account violating 15 USC 1681b ( a ) ( 2 ). Furthermore, having this account reporting is a violation of 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ). It explicitly states that a consumer report is not to contain any information solely to transactions or experiences between the consumer and the person making the report. 

My consumer rights continue to be violated by EQUIFAX, as this account is still reporting, and this is causing my reputation much harm. I am NOT able to get approved for a home because of this inaccurate reporting. I am being discriminated against. This is causing me and my life so much harm. Per the FCRA, it is EQUIFAX 's duty to protect me as the consumer and is required to be reporting accurate information- which they are failing to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: CITIBANK, N.A.
State: NY
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 am the complainant of identity theft in this grand larceny case. The newly issued Home Depot credit card that was addressed to me never arrived. My first statement arrived in XXXX indicating the unauthorized charges. There were three transactions on XX/XX/XXXX, amount of {$300.00}, {$380.00}, {$370.00} was made at ( store # XXXX ) XXXX Depot in XXXX XXXX XXXX, New York. I immediately contacted and reported the fraud charges to Home Depot Credit Card Services ( issued by citibank ) in the final weeks of XXXX. 

In XXXX I received a letter from Home Depot credit services dated XX/XX/XXXX, acknowledging my fraud claim on my account. They informed me I will not be making payment toward the disputed amount or any interest or fees. They mentioned they will contact me if any information is needed to complete the investigation. Home Depot Credit Card Service did not request anything from me at the time. 

I then received a their letter dated XX/XX/XXXX indicating I was being held responsible due to insufficient information/facts to claim fraud and because the card was read at a chip enabled card reader. It wasnt until I had to dispute their decision that they requested a police report, a dispute letter and picture ID to compare my signature. I also faxed them proof that I was out of the country at the time. 

Home Depot credit card services did not advise me in how to proceed when I first reported the fraudulent charges. They also stated in their statement of acknowledgement that if anything else is needed to complete the investigation that they will contact me. They did none of that! It wasnt until I called them after receiving the letter of their completed investigation, is when they wanted more information ; the ID, a letter of dispute and police report.

It is unjust that the investigator of the fraud department cant reach out to the Home Depot store and review the footage of the transactions in question. And the lost and prevention department at the local store can only collaborate with the police to investigate. The police detective assigned is also very occupied with priorities and has not looked into my case. No one is doing their due diligence in this investigation. Surveillance in the local store from the date of incidence can show I wasnt there.

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 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating these disputes under MY NAME. The following items are UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high- risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of items which are 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 2023-08-31
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-03
Company: EQUIFAX, INC.
State: GA
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:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX 2. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX  Bankruptcy Case Number : XXXX Please remove it from my credit report. 
3. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX 5. 15 US-CODE 16921 XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
7. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-25
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:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

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 2024-01-15
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Dear Wells Fargo, I want to bring to your attention a discrepancy in a charged off car loan account XXXX. My name is XXXX XXXX XXXX, and I am concerned about a reported late or missed payment. Pursuant to my rights under 15 USC 1681E ( b ), I request a prompt investigation into this matter.

I also kindly urge you to rectify the reported late or missed payment on my account. It is crucial for my credit history and financial standing that accurate information is reflected in my records, as this incorrect information is currently defaming my character. This matter has recently caused me mental anguish, as well as embarrassment because I was denied credit on multiple occasions because of this matter at hand.

Furthermore, 15 USC 1681a ( d ) ( 2 ) ( B ) provides for all extensions of credit which were derived from a credit card to be excluded from consumer reports. Credit card as defined in 15 USC 1602 ( l ) is any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This means you broke federal law knowingly and willfully, which makes you liable under 15 USC 1681n, which carries penalties of {$1000.00} per violation. 

I appreciate your prompt attention to this matter and expect a resolution that involves the removal of any erroneous late or missed payments from my account and all XXXX agencies. Please acknowledge receipt of this dispute letter, and initiate the necessary investigation per the provisions of 15 USC 1681E ( b ), and resolve this matter amicably according to the FCRA.

Unless you can prove to me that this reporting is lawful you agree to : Remove the late or missed payment indefinitely Zero out the balance of the account indefinitely Keep the age of the account indefinitely Change the account status to open indefinitely Change the payment status to current indefinitely Delete the repossession remark indefinitely Thank you for your understanding and cooperation. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation