BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: Experian Information Solutions Inc.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian, XXXX, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Experian, XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$940.00} or XXXX XXXX XXXXXXXX XXXX Opened : XX/XX/2019 Balance : {$24.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
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, this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy ( 15 USC 1681 ( section 604a section 2 also states a consumer reporting agency can not furnish an account without written my written instructions ). Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

My XXXX XXXX and Capital One Credit Card accounts are being reported as late multiple times on my XXXX, XXXX and XXXX reports. Please update as paid as agreed for all late payments on all three accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XX/XX/2023 up until XX/XX/XXXX someone stole my identity. First of all I began receiving text that said I changed my passwords and they came quickly about XXXX in XXXX minutes then my phone and email addresses were no longer available. I didn't realize what happened because I have never experienced fraud such as this before. I wasn't able to retrieve my cell phone services because the company said the scammer locked everything down they weren't able to open the account. In the meantime I noticed a XXXX XXXX XXXX XXXX  was approved online but never picked up by the scammer and an XXXX account for {$5700.00} was given to the scammer. I have a great deal of inquiries from the dates given that have brought my score down tremendously. I have requested my credit report XXXX times and I still have not received from XXXX and XXXX. I have tried to explain I did not open this 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 2023-12-08
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 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 to any 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 2022-02-18
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: Account information incorrect

Complaint:
I'm having issues with Experian, XXXX, XXXX they pretend to investigate your case on your behalf & do nothing! I sent out a letter to the company on XX/XX/2022 to inform them to correct my account & later they pretend to verify the account which they did not with this student loan company. I called the Dept Of XXXX XXXX they did not have any information on my account because they so-called transferred the account to Aidsurgent which I called also & no information is coming up in their system for me meaning there's no proof that I have this account I also sent the company a letter to validate my account with the original document & Dept Of XXXX XXXX ignore me, Experian keeps on dropping my score for no reason it has not even been 30 days like they claim. Experian pretends to investigate & doesn't do anything. I have things that are on my credit report the statute of limitation expired on this account they leave it there!! also, I pay all my credit cards down but somehow they still show I have a large balance which is incorrect!! They also pretend they can not process your information because they can not identify who you are when you sent in your picture ID, SS card #, address, they do this to delay the process of processing your claim or investigating the claim they want to keep you at a low credit score, I have documentation I sent the companies paperwork & paid certified mail.

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 2023-02-16
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/23 I made a deposit with TD Bank at XXXX XXXX XXXX XXXX XXXX, NJ XXXX in the amount of {$4000.00} given to me by my father. I have not been able to access the money due to XXXX separate holds on this check for no stated reason. Despite providing the necessary paperwork requested to approve this check, I have consistently denies access to my money as fees build up. I have reached out to the bank and spoke with a XXXX XXXX, who was unhelpful, laughed at me over the phone and has since not returned by call after informing me he would speak with his manager. The second person I spoke with at the bank, a woman named XXXX was more helpful and despite her her attempts was unable on her end to help release funds. 

Ive done business with this bank for more than 3 years and have never had an issue before. I am unable to access this money and have since had my accounts that take payment from this account return. This bank and this XXXX transaction have been detrimental. All I am asking for is a release of my money so that I may close this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
THE CREDIT BUREAUS ARE IN DIRECT VIOLATION OF THE FCRA, the unverified item listed below still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NJ
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. 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 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 and I am writing to request the Credit Bureaus the method of verification for disputes In accordance with FCRA, I am requesting this items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please 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 and pursue legal action. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2020-09-25
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
Synchrony Bank sent me a credit card I did not request. A few weeks ago my computer was hacked which I report to FTC and the the hackers may have ordered the card? I don't know. I tried reaching Synchrony Bank online and by phone and was not successful. I have written a letter and will mail it tomorrow to cancel card as I didn't order it nor did I activate it but I believe there are charges on it that aren't mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: TX
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:
XX/XX/2023, reported an error of 1st late payment from XXXX XXXXXXXX  due to error from fraud. Dispute was not resolved. 

In XXXX, XXXX late payment reported. I called company to dispute. Nothing was done.

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 2023-12-11
Company: JPMORGAN CHASE & CO.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I'm a XXXX XXXX  and I started using XXXX ( WePay ) to bill my clients in 2023. 

The first payments happened normally, but I noticed that my third and fourth invoice sent at the beginning of XXXX, despite being marked as paid, never entered my account. 

XX/XX/2023 : I opened a ticket with XXXX support to understand what was happening. ticket # XXXX XX/XX/2023 : They answered me saying : " I can see that you used WePay to process XXXX Payments and XXXX for another one. Although WePay and XXXX are different companies, we are able to reach out to them on your behalf. I have opened a ticket with WePay in regard to the whereabouts of the Payments for Invoices XXXX & XXXX. Once I have an update I will let you know. '' XX/XX/2023 : They send me this answer : " As promised, I reached out to WePay on your behalf and this is what they had to say : We apologize for the inconvenience, but WePay is no longer able to process payments for this account. We're held to strict guidelines on what we can and can not process through our site. After a standard review of their account, our Trust and Safety team has determined that we will not be able to provide them with our services. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date. After the 120 calendar day timeframe, our Trust & Safety team will review the account again to determine if the funds can be released.I hope this provides the clarification you were looking for. Unfortunately, it seems WePay will hold these funds. I understand this can be frustrating and affects you as well as your business. Taking into account the circumstances, I would advise you to appeal WePay 's decision by sending an email to XXXX. You can read more about Merchant Appeals here. If you're interested, you can also reach out directly to WePay here. '' XX/XX/2023 : I opened a ticket ( ( # XXXX ) with WePay saying : For some reason, I didnt receive XXXX invoices. I contacted XXXX, and they said WePay is holding my money. I want to understand why the money is being held and how I can resolve this situation. 

XX/XX/2023 : They answered me : " We appreciate your patience and cooperation while we looked into the details of your account. Unfortunately, we will discontinue processing payments for your business. Any funds in the account have been placed in reserve and will be reviewed for potential release in 120 days from the closure date of XX/XX/2023 ''. 

I can't understand why my money is being arrested and my client said she paid with her debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
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: Their investigation did not fix an error on your report

Complaint:
I am not sure if they investigated the disputed items because there's no changes when I checked my credit report. Under 15 U.S. Code 1692e. False or misleading representations- ( XXXX ) they failed to notate the disputed accounts and it was in dispute within 30 days now. Those account are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I'm submitting a complaint on behalf of my daughter, whom has a credit freeze placed on. her account as she is a minor. 

In XXXX, I received a letter from Experian that described itself as being Dispute results. The letter was dated XX/XX/XXXX and the report ID is XXXX. I was perplexed, since my daughter is 1 ) a minor and 2 ) has had a credit freeze in place since I placed it on her profile in XXXX and 3 ) we initiated no dispute. The letter itself had no information that could be read to understand what was being disputed, however the bottom of the first page did say the outcome was that something was updated.

After receiving the letter I then went to annualcreditreport.com to attempt to order a credit report from each bureau, however I was unsuccessful. I am guessing that this has to do with either the freeze or it being a freeze on an account associated with a minor. As a result I ordered physical copies of all 3 bureaus to be sent to me ( by phone ). 

To date only one has come, that being the Experian one. That letter dated XX/XX/XXXX with a report ID of XXXX. The letter similar to the dispute letter has nothing that shows on the credit report. However the concern that I had was that I did not initiate a dispute for my daughter and I need to know if her information was accessed, which could be reasonably concluded based on the language of the dispute letter. 

Today ( XX/XX/XXXX ) I called Experian using the number identified on the credit report letter ( the dispute letter had none ). After again unsucessfully attempting to verify, though all details were entered correctly I got the runaround from Experian 's automated system. The XXXX literally stated that they can only transfer to a live person in certain circumstances ( without explaining them ) and it kept trying to direct me to communicating via website although automated efforts have not been seamless thus far in interactions around this topic. 

Given the difficulty in getting information and not being able to speak to anyone I decided to submit a complaint this way to try and get a clear idea of what has occurred on my daughter 's profile.

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 2020-07-30
Company: TD BANK US HOLDING COMPANY
State: PA
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: Problem with personal statement of dispute

Complaint:
purchase mattress at Raymour & Flanagan, XXXX PA store - XX/XX/19 salesman convinced me I should charge on y R & F credit acct and I could pay 30 days after receipt of bill from them. I moved  and changed my address -mattress was delivered to my new address. New house-lots of purchases, so did not notice that I had not received a bill until I got one in XXXX. This bill was from TD Bank and had late charges. I called them. They said they had sent 3 bills to my previous address and the third one was returned to them. They then contacted R & F and got my new address. They said they would take away charges and I drove to R & F and told story ( I never opened a credit card with TD bank ) I paid for the mattress on that day XXXX/XXXX/19 to R & F. TD bank continues to bill me with more late charges and said they dd not receive that payment until XX/XX/XXXX. 
I have pages of correspondence to TD bank as well as XXXX XXXX XXXX ( who refused to do anything ) TD Bank has now turned the sum of {$200.00} to collection agency and notified the credit bureau. I am XXXX yrs old and have perfect credit - always pay in30 days. I believe R & F is at fault as the never gave my new address t TDd Bank and I am not sure why It was T bank that is billing me as I used a R & F credit card. TDd bank even sent me a credit card which I did not request. R & F told me TD handles their financiia accounts but I was not aware of this if I pad R & F 30 days from bill. 
I do not plan to pay these fees. Thank you for your help an concern. I have lost a lot of sleep over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX, There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

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