BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-05
Company: Experian Information Solutions Inc.
State: ME
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. 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 2020-01-08
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I HAVE DISPUTED THIS ACCOUNT WITH XXXX   AND DISCOVER, I HAVE FILED A POLICE REPORT AND FTC REPORT. THIS ACCOUNT WAS BLOCKED PER SECTION 605B 15 U.S.C & 1681c-2. THEN THIS ACCOUNT WAS PLACED BACK ON THE FILE BY XXXX  SAYING THEY RECIEVED NOTIFICATION FROM DISCOVER SAYING THE ACCOUNT IS VALID. I HAVE EXPLAINED TO DISCOVER THIS WAS A RESULT OF IDENTITY THEFT AND YET THEY STILL ARE REPORTING THIS FALSE INFO ON ME. I ASKED XXXX  TO VALIDATE MTHIS ACCOUNT AND HAVE DISCOVER PRODUCE A CONTRACT/ APPLICATION WITH MY SIGNATURE, OR OTHER IDENTIFYING INFO, AND XXXX SAYS THAT DISCOVER DONT HAVE TO PRODUCE THEM ANYTHING AND AS LONG AS THEY SAY THE ACCOUNT IS MINE THEY WONT BLOCK IT EVER AGAIN. ALL DISCOVER IS SAYING IS THAT THEY HAVE MY PERSONAL INFO. MY RESPONSE TO THAT IS THAT IM A IDENTITY THEFT VICTIM SO OF COURSE YOU HAVE MY INFO. I WANT THIS ACCOUNT TO BE BLOCKED FROM MY CREDIT REPORT AND DISCOVER STOP DOING UNFAIR PRACTICES AND STOP TRYING TO COLLECT ON ID THEFT ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-23
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: Was not notified of investigation status or results

Complaint:
I recently sent a letter over 60 days ago to this bureau and they are disregarding a regular consumer dispute. Im stressed and have been sending letters before this and still I response.

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 2023-08-26
Company: LEXISNEXIS
State: MD
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:
I submitted a letter as a consumer to Lexis Nexis Risk Solutions Consumer Center on XX/XX/2023. Lexis Nexis violated my privacy by furnished a bankruptcy referenced number XXXX to Lexis Nexis and to XXXX, XXXX, and XXXX. I did not give Lexis Nexis permission to furnish this information, as I have a right to privacy. It has also been over thirty days since i have sent the letter. By law, a company has 30 days to investigate, and I have yet to receive a response regarding my dispute has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: EQUIFAX, 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:
An accordance with the fair credit reporting act. ( Child Support enf ag/n ) ( Acct # XXXX ) has violated my rights. 15usc1681 section 602a states I have the right to privacy. Also 15usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-27
Company: CL Holdings LLC
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:
On XX/XX/XXXX  there was an account opened under my name for the amount of {$2200.00}. I was contacted by the creditor regarding payment. I explained that the account was opened fraudulently under my name and that the loan was not mine. They mailed me papers requesting a lot of personal information that should already be in their possession if this loan was in fact mine. I was not comfortable sending back these forms with all my personal information including birth date and social security number. The account was charged of and placed in collections. I am now being sent collection letters from a different creditor that bought the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: CITIBANK, N.A.
State: WI
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I opened an online CitiBank XXXX account to take advantage of attractive interest rates. After opening the account, I made two deposits on separate days, one for {$1000.00} and another for {$10000.00} for a total of {$11000.00}. The life of the account literally only had those two transactions.

After the 2nd deposit I was unable to access my account and was directed to their fraud department. During the correspondence I was informed the account was closed and not given any specific reason for the closure and it may take up to 60 days for my funds to be returned. 
After further investigation I found that Citi is widely known for this type of predatory behavior among customers. During my research I found a number ( XXXX ) for the Citi executive response team. I talked with them, they were civil and polite, and I was able get a bit more information case # XXXX. They indicated the account can be closed without cause and they executed that right, but again, deflecting any real reason why the account was closed. They also indicated the funds may or may not be returned based on an internal investigation of which I have no idea what that investigation revolves around?

My concerns with all this are : I really dont know if Ill get my funds back.

The secrecy of these transactions seems incredibly predatory given that Citi is given an interest free loan for 60 days from x-number of customers ( including myself ). 
If the account closure is based on a concern that revolves around fraud and is indeed for my protection, there has been no outreach from Citi to rectify the issue. 
There is no due process regarding the Citi internal investigation which involves the affected party, in this case myself. My sense this is an actionable legal item if pressed? 
With the state of the banking industry incredibly surprised, any bank would act in this fashion considering I was depositing funds into the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 non-monetary relief
Consumer complaint received 2023-03-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I dispute your reporting of an alleged debt on my credit report. I deny the date of the alleged debt, and I am not admitting to it. Additionally, you are re-aging the debt on my credit report, and your accounting of the alleged debt is inaccurate. 

The alleged debt was sold to a third party and I successfully defended myself in court against the third party for lack of assignment and inaccurate accounting. Additionally, the statute of limitations ( SOL ) has passed, and the debt is no longer legally enforceable. 

Your continued reporting of the alleged debt is a violation of the Fair Credit Reporting Act ( FCRA ) and is causing significant harm to my creditworthiness. The FCRA prohibits the reporting of inaccurate information and requires that accurate information be promptly updated or deleted. 

I demand that you immediately cease reporting the alleged debt on my credit report and remove any inaccurate or incomplete information associated with the debt. If you can not provide proof of the alleged debt or the accuracy of your reporting, I demand that you remove the account entirely. 

I also demand that you cease all communication with me and third parties. 

See 15 U.S. Code 1681 ; 15 U.S. Code 1681c ; 15 U.S. Code 1681s-2

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 2022-01-27
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hello, I am writing in hopes that Transunion will be held accountable for not doing their job. I have incorrect reporting on my credit report that I have attempted to get corrected for the last six months. I have sent in dispute letters to have these incorrect entries fixed but have not been able to. I have been receiving stall letters from Transunion. I have included the most recent one below. Under the FCRA I have every right to dispute errors on my report as it directly damages my ability to finance credit. I am writing on two accounts specifically that have multiple reporting errors/payment history that have gone un-investigated by Transunion for more than 30 days and must be removed immediately per the law. Under the FCRA these accounts must be corrected and/or deleted in that time frame with an investigation which they have not. These incorrect negative reporting payments are holding me back from financing credit. I am prepared to file a lawsuit against Transunion based on this lack of investigation into this false information. I have listed the following accounts that are incorrect on my report. Per the representative at Transunion on a recorded line, they received my disputes on XX/XX/2022. Neither of the below accounts have been investigated and nothing has been updated on my credit report. Per the FCRA the accounts need to be removed. I would like them removed immediately. Both contain false payment history and incorrect dates. 


XXXX XXXX with Account number - XXXX XXXX XXXX with Account number - 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 2023-04-05
Company: Experian Information Solutions Inc.
State: UT
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 making this complaint myself as a human being not a third party please dont close this complaint. The credit reporting agencies failed to do their ob and remove identity theft from my credit report. i sent in an ftc report my id a letter explaining what happened and what to do but they didnt do anything.

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 2022-09-28
Company: Experian Information Solutions 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:
On or around XX/XX/2020 I wrote a letter to Experian credit reporting agency to inform them that they are reporting inaccurate information on my credit report of accounts that do not belong to me. XXXX, XXXX XXXX XXXX ( Plz see Ex-A ). I also informed them that they have 30 days to complete their investigation as per Fair Credit Reporting Act sec 611 ( a ) ( 1 ) ( A ). 

On or around XX/XX/2020 I sent a XXXX letter informing Experian that they are still reporting incorrect items on my credit report ie,. XXXX XXXX XXXX XXXXXXXX, XXXX acct # XXXX and XXXX XXXX cc acct # XXXX. ( Plz see Ex - B and Ex b ). 

On XX/XX/2020 I made a 3rd attempt to resolve the ongoing problem with Experian from their continuance with reporting fraudulent information on accounts that do not belong to me. Plz see Ex-C, Ex ( c ) and Ex-D ) Too date, they havent VERIFIED any of the above accounts, however, they claim that they have completed their investigation and came to the conclusion that the accounts belong to me. This is impossible when the so-called creditors cant verify the debt ( s ) themselves. They are relying simply on a copy of an made up statement and my SS #. According FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document DOES NOT constitute verification.

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 2020-09-17
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: Information belongs to someone else

Complaint:
unable to get the information I need to get the identity theft stopped. I have tried to resolve this online. XXXX  refused me my credit report and I have never put a freeze or lock on this company. I has several address, social security number and names on my report that do not belong. I am also not able to make so many calls to these companies. I am XXXX and believe that someone has opened false bank accounts in my name as well. I have contacted the FTC and Social Security about 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 2023-07-05
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Equifax Is reporting inaccurate, out dated personal information on my credit profile. They're reporting : Incaccurate Name Inaccurate Date of Birth Inaccurate Address Inaccurate Employer

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-15
Company: Experian Information Solutions Inc.
State: TX
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.

The letters are stated with items and issues.

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 2022-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 2023-02-10
Company: VW Credit
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:
On XX/XX/2019 I entered into a contract with Volkswagen Credit for a loan of 72 months. The original amount was {$27000.00} with an interest rate of XXXX percent. The payments were first due on the 1st of each month beginning with the month of XXXX of 2019. XXXX 's interest charge should have been {$65.00} of which is 16 days from the XXXX of XXXX until the XXXX of XXXX of 2019 multiplied by XXXX of which is the result of XXXX x 5.4 % which equaled XXXX and then was divided by XXXX. This should have brought up my balance to {$27000.00}. Then from the XXXX of XXXX until the XXXX of XXXX would have been 27 days. XXXX XXXX % = XXXX then/ by XXXX = XXXX and then multiplied by XXXX = {$110.00} then plus XXXX = {$27000.00}. A payment of {$450.00} was made of which should have brought my balance down to {$27000.00}. The amortization statement says the balance was {$27000.00} BUT the billing statement says that my balance was {$27000.00} - apparently as of the XXXX of XXXX of 2019. So, I multiplied {$27000.00} by 5.4 % which equaled XXXX and then divided it by XXXX which equaled XXXX and multiplied by XXXX which represented the days of XX/XX/XXXX until XX/XX/XXXX of 2019 and the answer was {$40.00}. {$27000.00} + {$40.00} = {$27000.00}. This is a difference of {$3.00} of which was added to what I owed. It apparently appears that I was originally overcharged {$3.00} during the first month of which could have a serious impact on interest charges due to an incorrect balance- of which the wrong balance would have been reported to the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The credit union charges every month interest in cash point, plus the interest for the amount use on the card, then insurance which I think is unfair to the consumer, as opposed to that fee covering the pay back amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: GOLDMAN SACHS BANK USA
State: IN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I XXXX XXXX XXXX XXXX state to the best of my knowledge and abilities that the below statement are true. As my written affidavit. 

I XXXX XXXX have a saving account with Marcus Goldman Sachs account number XXXX or XXXX Date of birth XX/XX/XXXX SS last XXXX XXXX I first had problem logging into my account Then I request for XXXX XX/XX/XXXX to be transfer to my card. I ; : m being told by Marcus Goldman Sachs they must send me a affidavit to my old address I no longer reside at XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I inform them i ; : m no longer at that address. I ; : m in XXXX  and need it to be sent here in XXXX I should be able to send them a copy of my government issue driver license front and back to their verification department with a sworn statement even a picture with me holding my identification up to my face. 

I get this with XXXX banking now this. Banking account. As if someone is tracking malicious attempt to keep me from having access to my own banking account funds and information. 

Embezzlement of consumer banking funds

Company response to consumer: Closed with explanation