BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-11
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting Act, the three major credit bureaus of Equifax, XXXX, and XXXX, along with XXXX XXXX, an automobile leasing company, has violated my rights. According to 15 U.S.C. 1681 Section 602A states that I have a right to privacy. 15 U.S.C. 1681 Section 604A Section 2 states that a consumer reporting agency can not furnish an account without consent, and I did not give any of these entities ( Equifax, XXXX, XXXX, or XXXX XXXX ) permission to publicize my personal information. Therefore, I am requesting that this account be deleted/removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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:
I asked for this to be removed off my credit reports and nothing has been done. It says that I lived at XXXX XXXX XXXX XXXX. XXXX IL and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX IL XXXX XXXX and XXXX XXXX XXXX XXXX XXXX IL XXXX I never have and the City of XXXX is doing this to me I've tried to get to the Mayor XXXX XXXX because of the scandal that the City is doing to me and placing this on my credit report. I've never worked at XXXX, I've never had XXXX nor XXXX nor XXXX XXXX they also had me paying for parking tickets that were not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have complained to the credit union directly, to the CFPB on XXXX and now again on all 3 of the bureaus and had to file a formal complaint against the credit union for misreporting info to the bureaus, not fixing it when I contacted them 3 times and for the bureaus also not correcting their errors. The XXXX account shows different paid off dates from all 3 bureaus. How is it possible I paid off the account on 3 different dates???? I would love to hear the explanation to that one! XXXX can't seem to understand how to reflect a correct payoff date on my paid off, closed auto loan. Their date is totally different AND WRONG from XXXX and Experian! They at least got those dates correct. Now it's time for all to get the information correct or remove the accounts from my credit per the FCRA laws for which all 3 and the credit union are in direct violation of!!!! I'm tired of playing games with all 4 of you. If this garbage is not corrected or removed from my credit by the time I run my next report on XX/XX/16 then I will go forward with suing all 4 of you. This is not rocket science! Don't attempt to lie or close my complaint as a " duplicate '' because I've already reported the CFPB to my local Congressman who opened an investigation into them, for not following their own rules and laws! That's pending. I don't have a problem including them in the law suit either! All of you deserve to be sued because you're all stupid and think you can abuse the laws and no one will call you out for it! I will! This game playing is going to end effective immediately. Fix it or risk being sued, all of you! I told the credit union the same and I'll send their legal paperwork directly to the CEO in an effort to get them fired for not fixing a simple problem, that should've been done months ago. Instead I've filed repeated complaints here and now with the XXXX  which is my 3rd or 4th complaint to the credit union. Enough is enough, if I have to send the loud and clear I'm not beyond doing 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 2019-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im a second year XXXX XXXX. I served my country and ran into tough times when my wife get laif off. As a XXXX XXXX ive been exposed to the beauty that is American law, mainly the constutution. In my opinion the second greatest document written behind the XXXX. I see a tragedy. The federal reserve system ( fractional illegal banking ) most Americans have no idea how our banking system works let alone the federal Reserve. It literally is the greatest ponzi scheme in history. Its completely unconstitutional and has created a disportion of wealth where the majority are slaves to banks. No where in our constitution does it state an independent banking system issuing these federal reserve notes that are now practical worthless has any authority, nor use our federal taxes as collateral against these loans. Then the big banks have devised perfect system that manipulate money and creates it out of thin air through credit. Its pathetic. Its made the rich richer and the poor poorer. Im going to stop my save the world speech and say this. XXXX  followed tax law and im asking XXXX and Transunion to follow suit and do what united state federal tax law tells one to do in the following situation. Im asking every single one of my creditors to follow the United States tax law with regards to debt. I want every single one of my creditors who wrote off my debt as a loss on their tax returns and recouped their money to remove that debt from XXXX and Transunion. The Federal tax law states " Attempting to collect such monies, fees, etc. for an unsecured debt that has been claimed on federal taxes as a loss, and sold to another company for compensation constitutes fraud in any of the 50 states. '' It makes sense and all my creditors didnt hide they wrote it off. I want these collection companies who have no legal claim to this debt that again has been written off removed from my credit report and in reality they themselves are commiting tax fraud by trying to collect on these debts that no longer belong to me off my credit report. This is the law. Its not enforced but it should be. Big banks have lawyers who know tax law and get their clients to pay little to no taxes. XXXX followed the law and removed these items from my ctedit report. Since its the law I expect transunion and XXXX  to do the same or they to are commiting 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 2018-08-28
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This dispute involves XXXX XXXX and an inaccurate reporting of my account status to XXXX, Experian, and XXXX. After challenging the validity of the account I received feedback from XXXX, Experian, and XXXX which stated that the account was being reported as verified as accurate and updated. After several attempts to get them to verify this information I went through some olf files and was able to find a settlement letter dated XX/XX/2016 stating that the account had in fact been settled. I also found a cancellation of debt which was provided by the company in 2016. After the bureaus continued to report the status of this debt as negative, I sent all of this information to them and reached out directly to XXXX XXXX. Their response was that theyd reported all of the information in question correctly and since the bureaus had already reached out that they would not reinvestigate the matter. After receiving the letters Experian then changed the account status to paid, but allowed all negative payments to that point to remain with the status being FP or " failed to pay ''. This again impacts my ability to purchase a new home, apply for business credit, etc.

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 2021-05-05
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:
Hello. i HAVE SENT A LETTER OVER A MONTH TO THE CREDIT BUREAUS ABOUT THE ACCOUNTS ONMY CREDIT REPORT. thEY SHOULD DELETE TO INACCURATE UNVERIFIABLE ACCOUNTS. THEY ARE IN VIOLATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I've been sending dispute with Equifax for a couple years now about a collection agency XXXX .There reinserting 2 collections that been disputed and deleted a couple times. The company deleted and then resell the debt to another collection agency. This debt not mine and I've showed these agencies the proof and it's still being verified as mine. XXXX has deleted from my report as well as XXXX   but Equifax continues to ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a checking and savings bank account with Laurel road bank. Since yesterday I am not able to access this account. As per the message, I was told to call the bank which i did today and was on the phone for around XXXX minutes. 
Reasons provided : 1. One of the check was returned back.

2. There was a direct deposit from my husband into this account.

I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions.

But even after 6 hours - my access is not working.

It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. 

This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXX or TDD/TTY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Experian Information Solutions 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:
n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) account # 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

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 2021-07-24
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
ADVANCE advertised had a fee of 3 % of the amount transferred. However, at the end of the ad, it stated that the max fee was {$50.00}. I transferred and was charged {$300.00}. A PNC Agent filed a complaint for me on XX/XX/2021. I haven't heard from the settlement person in 36 hours. I'm filing this in case I NEVER hear!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Iresearched how to remove the fraudulent items in my report and found that I need to visitFEDERAL XXXX XXXX or https : //www.ftc.gov to file a report Per FCRA section605b Credit Reporting Agencies are required to remove/block any items listed on an idtheft report. Please find the ATTACHED documents to assist in blocking the erroneousinformation which is being posted to my report. Here is the list of items that do not belongto me or were opened without my permission. XXXX XXXX XXXX  XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX  CA XXXX ; XXXX Inquired on XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account information incorrect

Complaint:
XXXX XXXXXXXX XXXX has reported on checksystems ID # that they suspected me of fraud in XX/XX/17 for an amount of XXXX $ rtn XXXX XXXX. They have impacted me from getting any other accounts for my new business and personal accounts at any other banks. This information is wrong there was no fraud. I did own the account and I never did anything that should be reported as fraud. I demanded XXXX XXXX XXXX to remove this or show proof through check systems but nothing has come out of it. I do know that I left the account in a negative balance but was going to pay it off as soon as I had the money. Also, I suspected XXXX XXXX XXXXXXXX of adding more fees and changing the dates on the closed date with the intent to keep it on my report for a longer time. I tried opening a business account but with no success due to this reporting. XXXX is acting like a vigorish loan shark and borders on the side of illegal.

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 2023-05-01
Company: EQUIFAX, INC.
State: NJ
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 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 2023-10-07
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 Marcus by Goldman Sachs contacted me via email to inform me to contact them by phone. I called them on their phone number ( XXXX ) and answered all security questions successfully. They said that they need a phone number to provide a security code and I gave them the phone number on file which I was also using to call them. They said they were unable to send it to that phone number and would not give a reason. Despite this, the app sends a OTP pin to my phone number no problem and lets me sign in with it. Anyways, they said the only thing that would let them disclose why they had told me to call them was an notarized affidavit of identity sent to me by mail. Fast forward 5 days and I still have not received the letter, so I call them again. They said it takes up to 10 days and to call them back. I asked if there was an online form I could print out instead of being sent it and they said no, despite one being available on XXXX when you search " Marcus Affidavit of Identity Form '' on their website, marcus.com. Now, 10 days after the initial phone call I am given the same routine on the phone. They tried to put in a new request for the form, but I informed them that I had called 10 days ago and the request for the form was already put in. They found the request and said it was still processing. I was told that they were escalating the issue and I should hear back from them. I have missed rent and credit card payments as a result of not being able to withdraw my own FDIC insured funds from the bank. They even accepted the direct deposit to the account from my work and won't let me access it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2023-05-03
Company: FIRSTBANK PUERTO RICO
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I opened a complaint to First Bank PR due to the fact that the bank was not reporting the correct date of first delinquency to both XXXX and XXXX credit bureaus. I provided with all the documentation to prove that the date being reported was incorrect and that this date was to be corrected when reporting this account to the credit bureaus. 

On XXXX, First Bank PR responded to this complaint and admitted that the date being reported to credit bureaus was incorrect and that they submitted a request to both XXXX and XXXX to have this date corrected. First Bank PR attached to the complaint the form used to report the corrected information ( see attached ). I have also attached to this complaint a copy of the previous complaint showing the bank 's response. The correct date that First Bank PR should report as " Date of First Delinquency '' is XXXX, as you can see in the original complaint. 

XXXX proceeded to update this date within 3 days of the bank 's response but XXXX never updated the information. 

On XXXX I called XXXX and explained the situation and provided them with the document that First Bank said they sent them. XXXX explained that they never received a request to update information in the account on or around XXXX XXXX XXXX  and that they could not update the date. Per their records, they still show the incorrect date of first delinquency. 

I request that First Bank PR contact XXXX and request them to update the date of first delinquency to the correct date, which is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Experian Information Solutions Inc.
State: MD
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:
In accordance with the Fair Credit Reporting Act- Experian, XXXX and XXXX has violated my rights. 

15 U.S.C. 1681 Section 602.1 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. 166b. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late payment for any reason.

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