BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX   XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not 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 explanation
Consumer complaint received 2019-02-04
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Under Maryland state laws statute of limitations, as well as numerous disputes with each credit bureau ( XXXX, Experian, and ESPECIALLY XXXX ), each bureau was notified of my being in the security breach in which is involved in a class action law suit. There are NUMEROUS accounts in collections that are not mine. There are also NUMEROUS accounts in which I am an authorized  user, wherefore requested by each credit issuer and notification to the bureaus to be removed from these accounts - specifically but not limited to XXXX, XXXX XXXX, and XXXX. Experian, in particular, after sending a dispute would almost immediately update to dispute completed, thus, clearly ignoring my dispute without investigation. XXXX  hasnt failed to investigate any and all disputes due to the breach and thus, leaving open accounts and collections that are not mine. I have provided documentation on numerous occasions to all bureaus. XXXX has fixed and resolved a few - but not all. All three bureaus have also left accounts from over 7 years ago on my credit report after asking them, per my rights by FCRA. Furthermore, there are accounts from XXXX, wherefore, XXXX has put in writing to remove all and every late on two different lease accounts in which no bureau has done so, even after supplying the notice in writing due to errors, again violating my rights. Since the breach, I have come across numerous accounts that are not mine. I have had to pay for and try to rectify these accounts and after months of doing this, the bureaus are refusing to acknowledge my proof. I have received NO notices of completion in writing, aside from an update via email from Experian - which they sent within 24-hours, clearly not investigating my accounts in sufficient time. Therefore, I am requesting that because of this formal complaint and a clear violation of the FCRA laws.

In addition, there are two child support collections on my report, wherefore, a court magistrates order was to delete the accounts from my report, which was provided to each bureau. One bureau did, in fact, rectify this by updating the account to fully paid ; however, they did not follow a court order which clearly states to have both account removed from any and all credit reports due to the fact that we were in litigation for child custody when this went down.

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 2020-12-19
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX is incorrectly reporting two separate federal loans as a single loan, improperly causing my credit report at Experian to calculate incorrectly. XXXX has been informed that they are reporting incorrectly and have so far refused to fix their error, most likely because their system is automated and nobody has manually tried to update my reporting to Experian, so my credit score at Experian continues to be negatively effected by their actions.

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 2020-12-19
Company: TD BANK US HOLDING COMPANY
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: Account status incorrect

Complaint:
On XX/XX/XXXX an account from Target/TD Bank was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : ( item/account/information ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2018 Balance : {$0.00}

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 explanation
Consumer complaint received 2023-07-12
Company: EQUIFAX, INC.
State: PA
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:
To Equifax Recently i did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. Thanks for your help with this matter. 

1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence DEPT OF ED/XXXX Account Number : XXXX Please remove it from my credit report. 

2. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence DEPT OF ED/XXXX  Account Number : XXXX Please remove it from my credit report. 

3. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 


Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
On XX/XX/XXXX an account from XXXX XXXX  was reported to my credit profile. Current data still shows it being reported as of XX/XX/XXXX. According to the State of California, the state I reside in, the statue of limitations for reporting of this type of account is 4 years. Today is XX/XX/XXXX and is past the date the law allows this to be reported.

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 2022-07-09
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
This dispute is involving a purchase of XXXX refundable international flights in XX/XX/XXXX with XXXX XXXX for {$5800.00}. I was overcharged {$310.00} for which I was given a credit by my credit card. XXXX weeks before the flight was supposed to leave I called to check on the COVID requirements and the airline informed me my tickets had been cancelled due to a card issue and they would not refund me and I would need to seek resolution from my credit card. Additionally, I have not been able to reach the airline by phone as their call center has been turned off. 

XX/XX/XXXX I called to request full amount to be disputed to recieve {$5800.00} and was told I would need to withdraw the initial {$310.00} dispute. I was told my card would send me an e-mail to confirm the initial dispute was withdrawn and issue me the credit of {$5800.00} while they investigates- this never happened. My case was also forwarded to customer advocate to call me and they never did. 

Again I requested for the dispute to be withdrawn on XX/XX/XXXX due to wanting to dispute for the full amount of {$5800.00} instead of the partial amount that was initially requested for {$310.00}. 

On XX/XX/XXXX the apple agent went ahead and processed the withdrawal request through the " correct way ''. I was told by the credit card representative they had made errors on my account and they we able to see I was wanting to dispute the whole {$5800.00} but it was changed again to {$310.00} and in a pending status. The representative said she never saw something like this and it looked like a technical error. The dispute withdraw verification email was supposed to be received by now or within 3 days and it was not. 

On XX/XX/XXXX the issue was escalated and a case was opened by a dispute specialist due to the withdraw request not being taken care of. 

XX/XX/XXXX case escalated again, dispute manager to call within a week and has not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-06
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX/XXXXXXXX XXXX this account was opened fraudulently this is not my account please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: ARS National Services, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Collection agency contacts my phone multiple times daily from different spoofed numbers. Today, an agent called my phone, left a voicemail, then proceeded to call my wife 's phone. On that call, the agent disclosed private information before verifying they were, in fact, speaking to a right party. As a debt collector myself, I know it is a violation of the Fair Debt Collection Practices Act to disclose information to ANY party before first verifying that they are speaking to the right party by confirming one private information ( such as date of birth or last four of social security number ) and/or a second piece of private or one piece of public information ( i.e. address or phone number ). They are then required to inform that it is an attempt to collect a debt by a debt collector and any information obtained will be used for that purpose. Also, in the state of NY, they are also required to inform spouses that, although a spouse can discuss their spouses debt, the spouse is not personally liable for said debt. None of these actions were taken on the call to my wife on XX/XX/21. The person asked if they were speaking to my wife by first name only, then proceeded to state that they were looking for me and that they wanted me to call them about a debt to discuss a settlement option before they took legal action. The same company then called my phone minutes later leaving their standard voicemail. The woman then called my parents phone looking for me. Four calls within an hour is definitely harassment according to the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, INC.
State: CO
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:
Equifax and XXXX  are reporting incorrectly that I am ( 120 ) days late on XXXX partial account numbers XXXX ; XXXX and XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-31
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( PayPal Mastercard ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic.

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive of my failure to make payments as agreed.

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 2020-09-26
Company: WLCC
State: KY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Ive already tried to contact this company, and I know they are not following the laws in my state of Kentucky. I already tried to contact them to extend my loan, which I know Im allowed to request per my state of Kentucky. 
I attempted again to contact them today, Im not able to speak with them until Monday. 
Although, I have no faith that they will work with me so I am requesting to cease with them any and all further automatic payments especially since it is now causing NSF fees with my bank. 
This company and others like them prey on people like me, take advantage, and do not follow the state laws of their customers. They also have no shame or mercy for people like me. 
The interest rate is astronomical and is not reasonable nor legal nor approved by my state laws. 
They also should be ashamed of taking advantage of me and others during this time of Covid with many are struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Tried to get assistance from capital one Have 2 credit cards with them and I need help They have ignored my requests

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX incorrectly reported an account from XXXX XXXX as in collections that was paid by the NY Department of Social Services in 2014. I paid back social services and several collection agencies tried to collect on this paid bill years ago, I reported to CFPB and the collections agencies dropped the collection and credit bureaus removed from my reports and CFPB reported to FTC. Here it is over 6 years later and during a world wide pandemic and XXXX XXXX services has the horrendous objective to falsely state I owe a debt that was paid without any type of fact checking or contacting me by mail. The 3 credit bureaus just let this appear on my reports without any fact checking, how is this fair or legal?

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 2022-08-27
Company: DISCOVER BANK
State: MI
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, XXXX XXXX, the consumer, have contacted DISCOVER BANK on XX/XX/2022, by certified mail which they received XX/XX/2022. DISCOVER BANK, did not disclose to me as required by law that I had the right to opt out of my nonpublic personal information being disclosed to nonaffiliated third parties. DISCOVER BANK has continued to report to the credit reporting agencies after my notice and demand to stop sharing personal financial information with unaffiliated third parties. DISCOVER BANK is in violation of the Gramm-Leach Bliley Act and the Fair Credit Reporting Act these violations are listed : 15 U.S.C. 6801, 15 U.S.C. 6802, 15 U.S.C. 6803, 15 U.S.C. 1681a ( 2 ) ( A ) ( i ), 15 U.S.C. 1681a ( 2 ) ( B )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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