BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: AZ
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:
On XX/XX/2023 I submitted a dispute to Experian regarding an improper collections reporting on my credit report. I submitted a letter from my health insurer indicating that the collections was pending a claims payment and I was not responsible for the payment. The collections agency is improperly reporting the claim even though they are aware that I am not responsible for payment and my insurer is paying the claim. I spoke with an Experian agent on the same day to confirm that I submitted the dispute and paperwork. Experian resolved the dispute on XX/XX/2023 and stated the collections was accurate. I am not sure what else to do as I submitted everything showing that I am not responsible for the collections. Experian 's site does not allow me to locate the contents of my dispute and I did not receive a copy of my dispute for my records. Experian continues to report the collections even though they were provided the necessary information to remove it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: MD
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: FL
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 submitted a letter to the XXXX Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. Kindly update the following accounts that are hurting my credit : XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: Experian Information Solutions Inc.
State: OK
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, XXXX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$570.00} 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 explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, INC.
State: GA
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:
This complaint is a supplement to the complaint filed on XXXX with Equifax regarding improper inquiries on my report that was filled under complaint XXXX XXXXXXXX. A copy of identity theft form is herein incorporated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I want this to reach the eye of the Capital One Corporate Office Vice President in charge of Customer Relations. 
I have ( had ) 2 Credit Cards with Capital One Bank for several years. I have never been delinquent in my payments and currently carry a {$0.00} balance on both cards. I have had Authorized Users, including my wife and child for many years. a few months back, I used the Capital One online service to add some Authorized Users to each of the Accounts. I noticed that they had not reported for over 2 months, so I called to inquire. To my dismay, I was automatically sent to their Fraud Dept. I was told that they needed the Signed SS Cards and the Front and Back of each Authorized User 's Driver License. I have provided ALL but one SS Card but submitted a W2 in lieu ( This compliance with Capital One 's policy to provide these many documented proof should serve as good faith and I should not have my cards remain closed. ) I then called back to confirm receipt. At that point, I was told that the accounts have been permanently CLOSED. No reason was given. I called back several times to get a reasonable explanation and to get the cards reopened because of a possible mistake. I was subsequently told that my accounts were closed due to returned payments on this or other related accounts. That is in fact NOT TRUE. I have NEVER had been delinquent with this company, nor do I have delinquencies with any other account, related or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: TD BANK US HOLDING COMPANY
State: HI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Last XXXX I received a bill statement regarding my credit card more than my credit limit which I never never use yet my card. I only activated in the computer. But all of the sudden I had bills already and the one who used my card was from XX/XX/XXXXXXXX so I called them right away to report and dispute this account but still nothing happened until this problem becomes worst that even my daughter was involved were she really said that she didnt order online but this companys one of the investigator keep on insisting that my daughter ordered online but to find out that those items that was delivered to us to our address was not being received. We verified to our manager of our building but he said no items delivered and noted. We also calledXX/XX/XXXX and USPS to verify everything coz I took the tracking numbers of the items being purchased but they said no building number but this companys investigator insisting that the same address was shipped. But all the item we didnt received. Then I keep calling them cause I was worried about my account coz its getting higher snd higher the amount. And I find out that they send me a new card but the question is I didnt receive that card. I closed my account but one of the staff said that someone is trying to reopen my account. I dont know what I gon na do. Honest to XXXX I didnt use yet my card. Thats why I need help coz this company especially that one of the investigator is not helping but rather hes putting me down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX posted incorrect late payments on my credit reports. I was unable to qualify for a home and this issue has been devastating to me and my family. Starting in XXXX, XXXX promised to remove two last payments if I made three timely payments in a row. They did not correct the issue. Furthermore, they also confirmed that my loan was approved for forbearance between XXXX to XX/XX/XXXX. My accounts still show XXXX late payments on them each. I have contacted them multiple times and have had no success.

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 2023-03-06
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/, I sent a certified letter to Equifax via USPS ( Tracking # XXXX ). The letter was received on XXXX XXXX XXXX  per USPS. The letter is attached. In the letter, I inquired about unauthorized hard inquiries to my report. The letter included all of my identifying information, as well as the specific hard inquiries in question. The letter cited section 609 of the Fair Credit Reporting Act, requesting all documentation and information in my file of the time of the request and the source of the information around the inquiries I asked about. The inquiries do not have permissible purpose, nor did I authorize the inquiries. Additionally, the letter requested that, if Equifax was unable to provide the documentation regarding the inquiries, Equifax should remove the inquiries from my report. On XX/XX/, Equifax sent the standard letter regarding an opened dispute. For each company I requested information regarding the inquiries. With each hard inquiry in question, they stated the following for " Status '' : " INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. '' The letter did not contain any accompanying information regarding the specific inquiries as requested. Additionally, I did not open a formal dispute with Equifax, I simply requested the information and documentation regarding the hard inquiries, including, but not limited to, documentation showing that I authorized these hard inquiries. And if they could not produce the documentation, they should remove the hard inquiries from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This account is over limit because Capital one is charging {$40.00} late fees on a XXXX balance. This is the definition of junk fees and I hope Capital one is viewed as XXXX of the companies imposing junk fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: NC
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:
Dispute of Inaccurate Credit Information Pursuant to 15 U.S.C. 1681 and 1681i items on my credit report that I believe are inaccurate, incomplete, and not verifiable, as allowed by the Fair Credit Reporting Act ( FCRA ) under 15 U.S.C. 1681 and 1681i. The following accounts are the subject of my dispute : XXXX XXXX  Account # XXXX has violated my rights XXXX  account # XXXX has violated my rights XXXX XXXX XXXX account # XXXX has violated my rights I am disputing these items on the grounds of violations of several sections of the FCRA, including but not limited to : 15 U.S.C. 1681 Section 602 ( a ) - Requirement of Accuracy. 
15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Permissible Purposes of Consumer Reports.15 U.S.C . 1681c ( a ) ( 5 ) - Information Not to Be Included in Consumer Reports. 15 U.S.C. 1681e-2 ( a ) ( 1 ) - Duties of Furnishers of Information to Consumer Reporting Agencies . 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( F ) - Responsibilities of Furnishers of Information to Consumer Reporting Agencies .

15 U.S.C. 1681i ( 5 ) - Procedures for Disputed Information. I request that you investigate these disputed items and correct any inaccuracies, discrepancies, or incomplete information in accordance with the FCRA. Under 15 U.S.C. 1681i, you are required to conduct a reasonable investigation into the disputed information within 30 days of receiving this dispute letter. Please provide me with a written response detailing the results of your investigation, including any corrections made to my credit report. If you are unable to verify the accuracy of the disputed items, I request that you remove them from my credit report in accordance with the law. Failure to comply with the FCRA and address this dispute within the specified time frame may result in legal action. I trust that XXXX, EXPERIAN, XXXX will handle this matter promptly and in accordance with federal law.

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 2023-11-06
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent money ( {$260.00} ) via Venmo to a XXXX  relative on XXXX, XX/XX/2023 by mistake. I contacted Venmo as soon as they were open the next business day XXXX, XX/XX/2023 to inform them of the situation. I requested that the money simply be returned to my Venmo account. I verified what account I sent it to, and which account I meant to send it to. They stated her next of kin would need to contact them which they did. They electronically provided Venmo with her death certificate and her daughter 's identification. Venmo then indicated this was not enough and they would need probate papers. Her estate did not go through probate as she had no assets. They are still refusing to reverse the transaction and return my funds. The phone, bank, and debit card associated with her account no longer exists and have been closed so there is not a way to access her Venmo account directly to return the funds. The fact that they were provided her death certificate by next of kin should be sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions 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:
This is the several times I've complained about being a victim of identity theft. You must remove/block these items that were opened without my knowledge, consent, or authority within 4 business days with ( 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states 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 explanation
Consumer complaint received 2021-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/21 I sent an affidavit of truth stating that Transunion violated my federally protected rights by reporting inaccurate and unauthorized information on my consumer reports. I never asked you for a verification of the accounts. Since they claim the accounts were indeed verified I did my own investigating. Upon looking at the history between all 3 credit bureaus, I found several inconsistencies in the reporting in all of my accounts. 

I now need the accounts removed : Account Name : XXXX XXXX XXXX Account Name : XXXX Card Services Account Name : XXXX XXXX XXXX Account Name : 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
Consumer complaint received 2023-12-18
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Truist has been our bank for over 30 years. Around XXXX, we discovered fraudulent charges being made to our debit card. The money was returned, and all was well. We decided it was time to switch banks, because the customer service was horrific and much more difficult than it should have been. The bank account was frozen, so no debits could be made. We moved our money out of the account and we were told that the account was closed. It is now mid XXXX and we are getting notices about overdraft fees. The banker will not show us what the fees are from and what charges were made. We will not pay blindly. All we are asking for is to see the charges. If they are charges done by us or bills in our name we will gladly pay it. We will not pay overdraft fees that were accrued from the account after it was supposed to be closed.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: IL
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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 explanation