BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-08
Company: EQUIFAX, INC.
State: OH
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 disputed items on my credit report due to they are inaccurate and unverifiable. The credit companies XXXX, XXXX, and Equifax has not fixed the problem despite the evidence that has been sent via certified mail. According to the FCRA they are required under 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 there investigations and reinvestigations they stated in writing that they verified that these items are being reported correctly. Who verified these accounts? How did they verify these accounts? FCRA states that information has to be 100 % accurate which clearly it is not! They have NOT provided me a copy of ANY original documentation aka contract with my signature on it after asking them several times now! FCRA states under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) that they have to provide me with it if I request it which they haven't. Next they have failed to provide the method of verification they used as required under Section 611 ( a ) ( 7 ). These are the FCRA rules not mine so why aren't they following them? Lastly, under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. Which they have not done either, again why aren't they following the rules? Why do we have these rules if they aren't enforced or followed?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-01-24
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:
I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these accounts ( 1 ). ( A ). 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2019-08-18
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am an XXXX Military XXXX that works with XXXX. Therefore, my duty station changes and the type of position I hold, it is extremely hard to take off to handle business. Therefore, I rely on snail mail and the internet to conduct business. My complaint is with Experian credit services and XXXX. I have submitted certified documents (social security number, mortgage statement, and driver's license) that were notarized proving my current and accurate address of where I live. And I have requested to have old addresses removed from my credit files due the old addresses are not deliverable to me by the U.S. postal services, and they are not reportable as per the FCRA, since they are inaccurate. Also, I have submitted identification documentation certified showing my name does NOT have a suffix. I have submitted my first dispute on XX/XX/2019. No response or update within 30 days. I resubmitted for the second time XX/XX/2019 on the XX/XX/XXXX and Experian website. As of today's date XX/XX/2019, still no response or update within 30 days from XX/XX/XXXX nor Experian. Now, I am requesting this be rectified through CFPB. As a military XXXX  that holds a top-secret clearance, it is imperative that this is resolved before I become a victim of theft identity. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am being extorted by a third-party debt collector, they are putting an erroneous account on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XX/XX/XXXX I applied for a Business cars and provided only my business information such as my TIN #. There was a SS# request section in addition to the TIN request section. I declined to put my Ss# in this section because I did not want to mix business credit with the personal credit. Once the application was completed. I received a email stating that to send additional documents for processing. Just as I was getting ready to send the documents capital one emails a decline letter, stating they would send the information about the decline within 10 days. Shortly after and because I’m signed up with Credit Monitoring through XXXX XXXX, I received notification that my “personal”credit had been accessed.I immediately called Capital one and was told that my credit was declined because I placed my TIN in the Ss section . I agreed and informed the representative that I did so because it would not let me move forward without entering some type of data in the section.As mentioned earlier the application requested a TIN, which was provided; and several sections later requested my personal social.Upon inquiring about the reason for decline prior to me being able to submit the requested documents, the representative informed me that even though I applied for business credit my personal credit must be accessed. I then informed the representative that clearly they were able to access my credit without me having to provide it because my credit monitoring application just alerted me that CAPITAL ONE accessed my credit.  The representative was unable to make since of the actions of CAPITAL ONE and only stated that I had to reapply which would result in yet another credit pull. I escalated the situation and still was unable to resolve. Finally, one day later I receive another email stating that I was declined because Capital one was unable to move forward because of a fraud alert that was placed by my on my XXXX bureau that didn’t contain a contact phone number for them to reach me to confirm that I did indeed apply for credit. However, as stated earlier if indeed they were unable to move forward on the application, why didn’t  CAPITAL ONE just decline the application and request further information instead of pull my PERSONAL CREDIT Without my permission, compromise my score, only to provide me with conflicting denial reasons.I am requesting that you further investigate the actions that took place in this business credit card request.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX I requested a validation of debt from synchrony bank for a {$1700.00} charge-off I requested the following be included : 1. Who was the original creditor on this account, and what was the account number?

2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor.

3. Please provide me documentation that indicates that I agreed to pay someone this sum of money.

4. What was the original date of delinquency for this account?

5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment.

6. What did you pay for this account, and how did you calculate the current amount owed? 
They received the letter XXXX XXXX via certified mail. On XXXX XXXX I received a collection notice from XXXX. On XXXX XXXX I reached out to XXXX requesting validation of debt again. On XXXX XXXX I was told there would be an investigation and that my validation of debt will be sent to me. On XXXX XXXX I received a letter from synchrony bank that included three billing statements .Nowhere in this letter did they provide proof the debt was mine, where I agreed to pay, What was paid, nor did they provide right to dispute or that it was an attempt to collect a debt. I also didnt recieve any contact information other than the address it was from. I requested documentation twice from two different points of representation and have yet to receive 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 2023-09-30
Company: Affirm Holdings, Inc
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Affirm keep reporting that I owe a debt that I satisfied months ago. I spoke to several representatives and they refuse to correct. Reporting false info to my credit report and harming my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-29
Company: EQUIFAX, INC.
State: GA
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:
Equifax is reporting two accounts with XXXX XXXX XXXX XXXX XXXX. I have written them and had my attorney contact them regarding this incorrect information. They state that I owe {$12000.00} on each account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-28
Company: SYNCHRONY FINANCIAL
State: VA
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:
Synchrony charge credit card security fee without notify and approval. 
Refund has not been given.

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 2020-10-24
Company: I.C. System, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit XXXX XXXX XXXX XXXX XXXX of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX  Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

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 2018-04-25
Company: Skrill USA, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2018, I purchased an item from a seller on XXXX for XXXX Euros ( XXXX USD ). My only option for paying him was to use Skrill. I logged into my Skrill account and sent it directly to the seller 's email address on file with them. I received an email from Skrill telling me that the Transfer had been successful, and also received by email a Transaction Receipt from them.

My seller -- the merchant -- told me that he never received this money and that it was not to be found in his Skrill account. I asked him three times, and forwarded the Transaction Receipt to him on XX/XX/XXXX. He said he would gladly refund the amount if he had received it in the first place. He never got it. ( I paid again, through XXXX, and was successful this second time. ) I had used the correct email address on his Skrill account.

I complained to Skrill three times about this, and they insisted that the money was in fact there, and told me that they would contact him about it.

I did not hear from them again. I contacted the seller once more, but the money was still not there.

Nothing has happened since my last inquiry to Skrill on XX/XX/XXXX -- except that they sent me a notice that they had received my inquiry.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-24
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 


Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-24
Company: U.S. BANCORP
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have called a dozen times, sometimes waiting on the line for up to 2 hours. Spoke to numberous reps and even escalated to supervisors 3 times. Every time they say they have released my funds for a card to bank transfer. Every time it does not work. I have my funds being deposited automatically from PA pandemic unemployment to the US Bank Reliacard. I did not choose this. They mandated this procedure. I want to transfer the funds to my regular bank checking account XXXX XXXX XXXX ). I have not been able to access my funds for approx. 6 weeks. They admit they have received my license id which I uploaded twice to their bank using their document upload process. They say there is no reason for a hold yet I can not access over {$2800.00} in funds.

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 2020-10-24
Company: CITIBANK, N.A.
State: CA
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:
In XXXX I made 2 deposits on a cruise scheduled for XX/XX/XXXX. There were 2 payments totaling XXXX. The cruise was canceled on XX/XX/XXXX due to Covid. The cruise line has stated they will be returning funds in full in 90 days. XX/XX/XXXX was 90 days. I have asked Citibank twice to assist me in obtaining the funds. Twice they have refused citing the fact that the deposits were made in XXXX. They also said they contacted the company and the company is going to declare bankruptcy. This has been refuted by the travel agent and I have no confirmation of this. This is a rather large sum of money and I would like it returned to me. Citibank is not interested in helping with this.

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 2023-09-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit 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:
On XXXX, I received two credits back to my account each for {$110.00}. This was completed in error and the company who refunded me admitted this was incorrect. I called Capital One to reverse the credits and they refused to cooperate. They insisted they can't reverse the transaction and this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: Experian Information Solutions 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. My information was impacted by the XXXX data breach and many different fraudulent items that I don't recognize have shown up on my credit report. All are 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 non-monetary relief