BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-15
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: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
When I investigated my credit report, I realized that some of the information was erroneous. The Experian credit bureau is required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting account 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/accounts/information below :, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian 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 a my file at Experian is 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. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}.

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 2023-06-10
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Ive been trying to dispute several accounts on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXX XXXX XXXX XXXX Balance : {$4200.00}, XXXX XXXX XXXX Balance : {$29000.00}

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 2022-12-15
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is XXXX XXXX and I am submitting this CFPB complaint today to follow up the previous CFPB complaint I submitted requesting the removal of the fraudulent items off my Credit File. I sent a letter on XX/XX/XXXX, requesting them to remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX 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  ; that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to remove any accounts and information not later than 4 business days after XXXX XXXX. Ive already included this in my previous Complaints and I am including it again.

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 2023-10-31
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had multiple fraud charges on my account with Usaa the temp refunded them after they concluded I was at fault I have repeatedly tried to over turn the results because I did not do it and Ive been repeatedly told yes I did

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-19
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
They said I own a debt to XXXX XXXX XXXX XXXX XXXX of {$660.00}, the name of the collecting company is Convergent Outsourcing , Inc located in XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX WA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NJ
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
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: Information belongs to someone else

Complaint:
I'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$3600.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$54.00} ; XXXX XXXXXXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Balance : {$310.00} ; XXXX XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX XXXX Balance : {$310.00} XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: DISCOVER BANK
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:
the following accounts appear on my credit report, without any authorization, they do not belong to me, they are hurting me Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. Its been over 60 days and I have not received a response yet. I feel like my disputes are being ignored and I'm being taken advantage of. Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Again, it has been 60 days so those items should be promptly deleted. I demand 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 Equifax data breach and may have got into the wrong person 's hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
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: Personal information incorrect

Complaint:
What happened is that the personal information you are reporting is not mine so please look at the attached documents as it contains the full story of what happened to 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 2023-03-23
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have two accounts with Marcus, one has been open for a long time and recently opened a joint account. Marcus has blocked all my access to both of my accounts on XXXX XXXX claiming they couldn't verify my joint account owner. Mind you they blocked both of my accounts and refused to get me access to even see the funds in my account since last week so I have not been able to log into my account. After multiple verification calls and discussions with all different representatives, we were advised that we should initiate the closure of the joint account in order for me to get the quickest access to my personal account. In order to do so, we would have to move the funds out of the joint account which we agreed to do so but then they blocked the transfer out for no reason. I had called again, initiated another transfer, confirmed next day with a Marcus rep that it went through but it never showed up in my external account so gave them yet another call and again they blocked the funds going out of the account for no apparent reason. At one point the representative switched the account numbers and tried to withdraw funds from my external bank instead of sending funds there which cased another delay on the funds coming out because as Marcus claim it, they saw that I stopped the wrong transfer so they cancelled the correct one too despite the rep telling me all went through when I called to confirm the next day. I'm now a week with out access to my funds, all the bank representatives tell me different things on why the transfers apparently can not come through and why I'm unable to close the account and get access to my second personal account where I hold all of my life savings, just being more time to hold my funds despite me calling daily and trying to get access to at least see my account. I have been a loyal Marcus client for years and they are now refusing to give me access to my account and my funds. I have already spent over 10 hours in the last week on the phone with them and I'm lost as to what else can I do if they continue to block my transfers which they advised me to do so I can close the account and get access to the other unrelated account on my profile.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
Company: CREDIT ACCEPTANCE CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX I went to XXXX XXXX XXXX XXXX ( now closed permanently ) to purchase a used car that I saw on their website. The car was advertised for {$12000.00}. I went to the dealership with a down payment of {$2000.00} with the impression that after taxes, dealer fee, and registration fees my total payments owed will be no more than {$15000.00}. The dealer or owner Mo did the whole transaction with me which was all rushed never gave me the time to look over the contract or the finance agreement. He ended up giving me contract with a 22.99 % APR, charging {$8800.00} finance charge ( that is NOT on the itemized bill that I signed ), with a loan term of 60 months with monthly payments of {$350.00}. ( obviously the numbers just doesn't make any sense ). There is no explanation of where the finance charge is coming from on the contracts. I left the dealer ship that with a XXXX XXXX XXXX. One week later on a trip from XXXX XXXX to XXXX NY the car broke down on the highway and I had to get a tow company to tow the vehicle to a local shop. I called the dealership the next day and told them exactly what happened they agreed to cover the cost of getting the vehicle back to XXXX to their mechanic however, that did not help me in getting back to XXXX. There was no communication from the dealership in regards to when I will get back the car or IF I will be getting back the car. I had to keep reaching out to them for the several days during this time, with no transportation to work. After 4 months of getting mechanically unfit cars to use from a rental company they worked with ; XXXX XXXX XXXX decided finally take the time out to get me into another car as the XXXX XXXX had a bad engine and they were " waiting for XXXX to approve a warranty replacement ''. In what I thought would be a fair negotiation he ended up giving me another contract XXXX XXXX, XXXX for a XXXX XXXX XXXX with an APR of 22.99 %, FINANCE CHARGE of {$9700.00}, car value of XXXX, and term of 66 months. With " lower '' payments of {$330.00}

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 2023-04-05
Company: Experian Information Solutions Inc.
State: PA
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 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 2023-03-23
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the Citi Double Cash Rewards card. When I signed up for the card, they promoted rental vehicle and travel coverage. In XXXX, Citibank Double Cash suddenly dropped these benefits, but I was not notified until after I had traveled in XX/XX/XXXX that they dropped coverage and they told me they would cover nothing incurred during a snowstorm in XXXX that blew my doors off, I had to flee the vehicle due to 100+mph winds. I went back and checked all my online statements and emails from Citi during this time and they never notified me of this drop of coverage. The only proof I can see are some third party articles in XXXX, but nothing officially from Citibank. I see this as an unfair practice. If I had known they had dropped coverage I would have switched to a different card or used another that had rental vehicle insurance. Now I'm being charged approx {$1500.00} to pay for vehicle damages, and Citibank refuses to communicate them not notifying me of dropped rental vehicle benefits. A Citibank representative said I should have seen the notification of dropped benefits at the bottom of my statements, and I do not see any. It appears Citibank did not notify their customer on terminating benefits, therefore I hold them liable.

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 2023-04-05
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:
This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-04
Company: EQUIFAX, INC.
State: PA
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:
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 XXXX XXXX XXXX XXXX XXXXXXXX, 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 an 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 response to consumer: Closed with non-monetary relief