BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/23 Dear Experian, XXXX, XXXX This is a request for deletion of these disputed items. I have attempted to have this inaccurate and incomplete reporting verified by the furnisher of information to no avail. I am respectfully requesting that you do what is legally mandated by the FCRA and delete the account listing from my consumer file because it is unverifiable. 

You received a notice of dispute from me resulting in you advising me that the account had been updated. Knowing that the information could not in fact be verified, I proceeded to dispute the information and request verification directly from the furnisher of information, as the FCRA provides. After disputing with the furnisher, they have failed to provide any proof or respond in any way. 

The FCRA states that information reported must be accurate and complete, updated and verifiable. It also provides for a dispute mechanism that is initiated by the consumer through the consumer reporting agency and the furnisher of information. As detailed above, I have disputed the information for the referenced account, with both you and the furnisher of information directly. I have exhausted all recourse provided for resolution of erroneous information, but the information still remains on my consumer report. 

The FCRA provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance with its provisions. It is evident that the information reported can not be verified and therefore must be deleted as required. When a debt is disputed under either mechanism, a notation must be entered on the debtor 's report showing the item as being in dispute. Again, this was not done and is a further violation of the FCRA. 

Pursuant to the FCRA, if no proof of debt exists and the information reported is not verifiable, it may not be furnished to the consumer reporting agenices nor reported by them. The FCRA also states that consumer reporting agencies must accept written proof from the debtor. Therefore, I am not asking for an investigation to be done, I am requesting that the entry be deleted in its entirety as there is no proof of its existence and the information presently reported is not verifiable. 

Thank you for your time

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 2022-01-22
Company: OPORTUN FINANCIAL CORPORATION
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
In regards to this bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2021 a load agreement was made between opportune and I for the amount of XXXX $ plus interest. They said they would be mailing me a check. I made a payment early in hopes to repair my credit of {$23.00} on XX/XX/2021. I still haven't received a check in mail for this loan.. I haven't made another payment after that. I have made many calls to them. & talked to just about every person in every department of this bank to get this resolved. At first they keep telling me to Waite few more days ..I would Waite couple more weeks. & again no check in mail.so I called back..there was a file made where I have made so many calls and a file has been reported informing of my calls and that I haven't got any check in mail..i was told they would send another ..in XXXX..and again..no check in mail.. now they keep sending me texts saying I am past due and keep calling informing me of my late payment ..not only that my credit score has went DOWN XXXX points!!! Opportune has been able to tell that I have not cashed any check from them .because they stopped payment on the first 2 and said they would just send another. NOW they have my correct address because I have received letters in mail about my late payments due..but they can't seem to send the money. I don't want to pay for something I never received and what I started off trying to do to fix my credit score has made it 100 times worse.. I at one time even tried to opt out of the contract of this loan .to where they said that wasn't an option..nor was a direct deposit into my card account was either... 
PLEASE HELP!! 
XXXX XXXX thank you.. 
You can contact me at XXXX Or At e mail XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I am writing to express my dissatisfaction with the recent attempt to rectify the delayed opening of my account. Despite my previous correspondence and the acknowledgment of the issue, I find it regrettable that a second attempt has proven unsuccessful. I first brought the matter to your attention, outlining the inconvenience caused by the delayed account opening. In response, I received assurances that prompt action would be taken to address the matter. Unfortunately, it has come to my attention that the issue persists, prompting me to register this formal complaint. I understand that unforeseen circumstances may contribute to delays in processing, but the repeated failure to resolve this matter is both frustrating and unacceptable. As a customer, I expect a level of service that includes timely and efficient handling of account-related matters. I request that you investigate the root cause of this delay and take immediate action to rectify the situation. Additionally, I would appreciate regular updates on the progress made to ensure that the matter is resolved without further delay. If the necessary steps are not taken promptly to address this issue, I may have no choice but to explore alternative options and escalate this matter further through appropriate channels, including filing a complaint with the relevant regulatory bodies. I am asking for your assistance to correct the late open account : XXXX XXXX XXXX XXXX Balance : {$2700.00}.

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 2023-04-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a business checking account with Chase Bank. My client paid me via JPMorgan Chase/WePay merchant services which came with the business checking account. In XX/XX/2023, my client paid me {$300.00} ( X3 ) for services rendered totaling {$900.00}. Chase Bank/WePay Merchant Services put the funds on hold for 120 days. I am being told the funds will not be released until XX/XX/2023. We were never notified the funds were placed on hold or given an explanation until I reached out to my client for payment. My client stated that the funds were deducted from their account already and paid to to my bank account. I called JP Morgan Chase/WePay merchant services and was notified that the merchant account only had been closed. The representative at JP Morgan Chase/WePay merchant services stated I could file an appeal to get the account reopened and possibly get the funds released. After filing an appeal, the appeal was denied and JP Morgan Chase/WePay merchant services still has the funds that were paid to my company. After calling WePay Merchant Services multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/2023 and many other times, I reached out to JP Morgan Chase executive office and was informed the same thing, they are unable to release funds until XX/XX/2023. The business checking account account is less than 60 days old, and there are no charges that would create a charge back that could not be covered. This has put my business in jeopardy and has created a downward spiral that I may not be able to recover from. The bank is holding my {$900.00} for 4 months and I would like to have my funds released.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/2023, tracking number XXXX certified letter 15 USC 1681 section 603 ( 3 ) ( E ) States ; The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681. 
According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 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 According to : 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 XXXX XXXX XXXX XXXX ( XXXX XXXX bank XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
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. 

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 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 non-monetary relief
Consumer complaint received 2019-05-02
Company: BARCLAYS BANK DELAWARE
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
I have a XXXX VISA credit card issued by Barclay 's Bank. I have been the victim of Identity Theft, and have made out the appropriate report with my local police agency. I have notified XXXX VISA that their are charges on my account that are not authorized by me and therefore are fraudulent, and requested they provide me a statement with the charges I did occur so I can timely make the montly payments as I always have. Instead they have reported my card as delinquent to the three Credit Reporting Agencies- ( XXXX ; XXXX  ; and XXXX ) -and have placed my account in transaction.

At one point in time, before I had ever used the card once, I attempted to use the card for a hotel room. I made an online reservation through a 3rd Party, and when I went to check in was told that I could not use the Card as it was overlimit, and at that time I had not even used it once. I contacted XXXX VISA, spoke to an agent and expained the situation. As I was in a lofecation I could not return home safely at that time of night, the XXXX VISA agent authorized my use of the Card to check into the hotel and remain there for one night until I could return home safely. I then attempted to recheck in the hotel and was denied, again told my XXXX VISA was overlimit. I recalled XXXX VISA who defamed me and said I never talked to an agent who authorized me use of my card for one night. By the time this procedure was over, it was too late at night for me to safely return home and I was stuck in an unsafe area, strictly because of the reprersentation by the XXXX VISA agent I could use the card several hours earlier.

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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I disputed with transunion last year for a account that was fraud and I also froze my account so that the fraud account could be removed, which the collection is now named XXXX XXXX and says that I owe {$1300.00} which I do not, I was only XXXX when this account was open and it keeps coming back which I dont need it to. I am now asking transunion and XXXX XXXX & XXXX to freeze my accounts

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 2023-03-14
Company: CBC Companies, 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: Reporting company used your report improperly

Complaint:
I am writing this complaint to INNOVIS. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Experian Information Solutions Inc.
State: LA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It's been 30 days since i disputed the late payments on my report and still yet to receive any outcome or result of their investigation. The dispute was initiated on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im writing this in response to a dispute against portfolio recovery with an alleged debt on my credit report. 

Under ny law portfolio failed to provide exact information regarding such debt. They did not provide proof or start date of said debt, failed to show proof of exact dates that debt was made or months of missed payments and most importantly the so called debt that they are trying to claim is past the statute of limitations under New York State Law, Uniform Commercial Code 2-725. Even in their own letter it shows that they are past the expiration date to collect. Therefore this debt should not be on my credit report as owed to them. My Next letter it to the nys attorney general regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. 
XXXX XXXX  XXXX XXXX - There is a possibility that this information may be inaccurate. This must be removed immediately. 
Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected 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 non-monetary relief
Consumer complaint received 2020-12-14
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX i received an alert from my XXXX  app. Leting me know i had a change t ok my credit bureau report. I reviewed the change showed common wealth financial for a negative balance of {$1300.00}. I XXXX company called spoke with a collection representative told me was for an emergency room visit at a hospital i never been to. She told me the account was received on XX/XX/XXXX but the initial collection notice was not mailed out until XX/XX/XXXX to an address i have never lived at. Then The account was placed on my cbr on XX/XX/XXXX which was in violation of the 30 day validation period. I then spoke witha supervisor updated address and requested all supporting documents for this debit requested account be moved to dispute status and put in compliance department for fdcpa violation of 30 day validation period and repoting on my cbr

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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: Information belongs to someone else

Complaint:
I did not authorize or initiate these accounts, and it is unfair for me to be held responsible for them. I urge you to take immediate action to correct this mistake.

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