BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-30
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I have received 8 e-mails, one every 2-4 weeks since XX/XX/XXXX " Important news : XXXX, you're now eligible to reapply. '' Bank began sending these emails every two weeks reminding me of my eligibility to apply for their loan products, last " reminder '' email came on XX/XX/XXXX My last application was XX/XX/XXXX, it was declined On XX/XX/XXXX, I logged in and encouraged with some additional income coming to me and wanting to apply for a loan to continue rebuilding my credit, I took Marcus by GS Bank  up on their offers and checked my eligibility. 
I increased the household income to include my boyfriends salary as we live together now. 
{$110000.00} to {$170000.00} I changed the address on my application and account during the process today online ( XX/XX/XXXX ) From XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX to XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX. 
The ZIP code while fairly close together have significantly different overall per capita incomes and demographics. 
I was only given " Time since decline too recent '' as the reasoning for declination on this application, electronically and over the phone The operator I spoke to ( XXXX ) was only able to provide me with the reasoning defined in my Adverse Action letter from XX/XX/XXXX, I was attempting to apply within some arbitrary three month window that I was unaware of based on any available information from Marcus, in writing or online. 
I only applied after a considerable marketing full court press from Marcus by GS. 
After receiving four of the aforementioned emails did I finally apply Then declined or even considered because of this arbitrary time limit. 
I have about {$260.00} in savings there, with direct deposit set-up to send {$260.00} bi weekly for an emergency fund. 
I have not stopped this direct deposit and will maintain my business with them based on how they respond to my complaint. 
They offered to " opt me out '' of further mailings, I declined the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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've had XXXX unauthorized hard inquiries done. XXXX on XXXX. XXXX ; the other on XX/XX/XXXX. Both inquiries were done by XXXX. When I tried calling the bank, I heard a message saying that the number is invalid.

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 2023-11-10
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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 2023-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
On Trans Union I have a fraud alert that should have prevented the inquires on my credit report. XXXX want the following inquiries removed immediately :. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - Informative XXXX XXXX XXXX XXXX XXXX, Duplicate inquiry. I called XXXX XXXX and they asked me to dispute because it wasn't authorized and Trans Union still refused to remove it. The only inquiry should have been on 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 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
-This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-08-07
Company: DHI Mortgage Company
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On Friday XXXX, I asked my loan officer XXXX XXXX XXXX from DHI Mortgage to give me an updated quote for interest as the rates had gone down from that morning at which she refused to do so. Interest rates have now risen and I was blocked from being able to lock in at the lower rate. This was the second time that she refused to allow me to lock in a rate. The first time was when I asked for the rate to be locked on XXXX which she declined to do. Because of this, she is going to cost me XXXX  more in closing costs as well as monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-09
Company: Persolve, LLC - Legal - Series 2
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have already filed a complaint regarding this debt with this company, filed disputes with the credit bureaus regarding this illegal collection of a debt not owned, and their response did not provide any response specific to my claims! They only provided, essentially the same documents that I provided to you! This should not be acceptable to the CFPB and they should be required to answer the actual claims relative to the fact that XXXX, the lienholder and original hold to this debt, received the " amount of the Creditor 's interest as of the date of the loss, as represented by the portion of the Customer 's unpaid balance according to the original payment schedule of the Financing Contract that is secured by the unearned finance charges ; late charges, ; any delinquent payments '' as per the paragraph 8 of the GAP Addendum to the sales contract for this debt! 

This debt is relative to a vehicle that I purchased from XXXX on XX/XX/XXXX that was financed by XXXX ; the original debt holder/lienholder. This vehicle was stolen from me, totaled, and then as a result, XXXX collected the payoff via the GAP Insurance Policy from XXXX  that I purchased when I financed this vehicle. 
XXXX requested and received the payoff of this debt via XXXX on XX/XX/XXXX as confirmed by XXXX on XX/XX/XXXX by XXXX XXXX, the Manager of Customer Service for XXXX which should verify the absolutely ridiculousness and invalidity of this illegal debt collection even further! Furthermore, XXXX refused to send me proof in writing, as the customer/owner of the GAP Insurance Policy with XXXX, Account # XXXX that XXXX received the payoff. Nonetheless, per Persolve XXXX  's own response, the amount they are attempting to collect does not even match the amount that XXXX claims they are owed! Persolve XXXX is a fraud ; is scamming my credit, and XXXX, the original debt holder is facilitating this scam and CFPB is allowing them to do this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
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:
According to the FCRA : 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 : 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.

Experian also will not allow me to reinvestigate this. They have not provided me any details on their previous investigations, as requested. 

Item disputed XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX XXXX  : This account needs to removed or have the late payments corrected. 
XXXX Issue type Account ownership and fraud issues Issue I am not legally responsible for this account. 
Confirmation # XXXX Item disputed XXXX  XXXX XXXX XXXX : This account has been charged off and needs to be removed. 

XXXX XXXX XXXX  Issue I didn't give this company authorization to access my credit report for this reason. 
Confirmation # XXXX I have requested experian to verify and show me the investigations process but they have not done so. I need these accounts removed immediately as they are violating my consumer rights.

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 2018-12-30
Company: Credit Bureau Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I I have a complaint with the authorities today and updating this complaint. I have received an alleged debt on a date that I was at work!! I have emailed them a letter and sent via certified mail. This is clearly a false debt. I also enclosed my time card on the alleged dates of service. I am clearly being a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-31
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
I recently got a title loan in XX/XX/XXXX for {$2500.00} so that I could get school clothes, shoes, and supplies for my XXXX children. I had all required paperwork and documents except for a smog check. It took me about a week or two to pass smog and I had to buy and replace parts to do so. At this time Im pretty crunched for time being that my kids were starting school that next Monday. So I called XXXX with my final documentation to get the process going. The same day I signed all agreements, not really getting a chance to read over anything because XXXX office was closing. After receiving my loan, a representative called me while at work to inform me of my monthly payment amount which is {$400.00} every month and the daily charges. I then asked if I could get a lower monthly payment because Im a single parent of XXXX kids and the representative very bluntly refused and told me that Id already signed an agreement. To make a long story short, none of the representatives ever explained or went over any of the terms and conditions with me at all which I feel is not right at all. This has caused me a great deal of financial hardship. On top of that XXXX had my vehicle towed in XXXX because I did miss XXXX payments but I also called to inform them of losing my job prior to this happening. When I called, the representatives were very rude to me and only cared about the payments even though I notified them of not having any income. I apologize for any inconvenience and thanks in advance. I have already paid triple the amount that Ive borrowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I contacted Transunion today requesting an Early Exclusion for derogatory marks listed under my account with Department of Education- These marks are within 5 months of the 7 year period in which they can be reported. Upon requesting this exclusion I spoke with supervisor XXXX XXXX, who told me that my accounts won't qualify for an early exclusion and the reason for this is an internal one which she refused to share with me. XXXX XXXX reported that Transunion does not share internal reasons and that the only way that I could find out would be to have the information subpoena 'd. 

Transunion appears to be practicing discrimination in this matter, an early exclusion is not unheard of but for some reason they refused to provide the service to me. Citing this as an internal reason further gave me concerns as I am now worried about the safety of my account information with this company. Furthermore Transunion stated that they verified the information from the creditor which is reporting a 90 day late in the month of XXXX and a 120 day late in the month of XXXX on my XXXX report. I contacted the Dept of EdXXXX and spoke with a representative who was also confused by this reporting and expressed that there was nothing that could be done on her end and directed me to dispute the matter with the credit bureau . I seem to be caught in a loop with one company sending me back to the other and now the bureau telling me that for internal reasons they can't reveal why I can not get an early exclusion. 

I am requesting that these 90 day lates for XX/XX/2017 be removed from my credit report and that Transunion provide me with an explanation of the " Internal Reason '' that my specific account isn't eligible for early exclusion in order to address what appear to be discriminatory practices.

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 2023-12-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
Under the Fair Credit Reporting Act ( FCRA ) sections 602 ( a ), 6801, and 1681, consumer reporting agencies like XXXX and XXXX must handle their duties fairly, impartially, and respect consumer privacy. As a consumer, I have the right to prevent sharing of my private data without consent, as stated in 15 USC 6801. 15 USC 1681 section 604 ( a ) ( 2 ) mandates that consumer reports can only be furnished with the consumer 's written instructions.

Financial institutions, considered furnishers of information to credit agencies, must respect customer privacy as per 15 USC 6802 ( b ) ( c ). The FCRA prohibits disclosure of nonpublic personal information without informing consumers of their nondisclosure options ( 15 USC 6802 ( b ) ( c ) ). XXXX and XXXX failed to inform me of this right.

According to 15 USC 1681C ( a ) ( 5 ), consumer reporting agencies can not include adverse information without authorization, violating the seven-year reporting limit. Furthermore, 15 U.S. Code 1681s2 ( A ) ( 1 ) prohibits furnishing inaccurate information, and 15 U.S. Code 1681e mandates reasonable procedures to avoid FCRA violations, which XXXX and XXXX are not following. 

As outlined in 12 CFR 1016.7, I retain the right to opt out of these reporting services at any time, which I am exercising now

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or TransUnion ) credit report, and I noticed a late payment posted on my credit report : XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payment from my consumer report, this agency is in violation of 15 USC 1681.

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 2023-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 contesting the information on my credit report that I believe is not correct. In accordance with the FCRA Section 611 ( 15 U.S.C. 1681 ( l ) and in accordance with the accepted STANDARD of metro 2 data field reporting. The information has not been proven to be true, correct, or verified.I can't recognize any allegations of wrongdoing without any factual proof. I challenge the reportability of any such claims. According to the federal and state laws that apply to me, you are required to report information accurately and completely.You should not keep or report anything that you know is not in compliance with the law or regulations.I am writing to let you know that you need to make sure everything in my credit report is accurate. This includes making sure that you adhere to all FCRA and METRO 2 format reporting standards. For every account that youre reporting, I need evidence ( physically verifiable ) that you verified the information to be accurate and compliant. For every inquiry I request proof that you confirmed that the creditor had a permissible purpose.I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.I would also like for you to mail me physical proof of the actions you have taken to correct my credit report and a new updated report. This will help me stay updated on the progress you are making.The following items on my report appear questionable! Please certify that all claims are true and accurate, complete and timely reported. If not, please delete immediately

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