BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-19
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:
In accordance with the Fair Credit Reporting act XXXX XXXX Acct # 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 2023-07-30
Company: Experian Information Solutions Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
For 5 years I have been disputing two accounts on my credit report from XXXX XXXX XXXX XXXX. In 2018 I had a payment arrangement for a creditor set to draft their payment out of my bank account. I set up this payment arrangement with the intention of having the funds available on the day of the draft. Due to medical issues that made me unable to work I had to withdraw the funds to pay only our necessities which left my account empty by the time the creditor tried to draft the payment from my account. Since I knew I did not have overdraft protection on my account I assumed the transaction would just fail and me and the creditor would just work out another payment plan. Unfortunately, XXXX XXXX XXXX XXXX decided to do a " one time courtesy pay '' to the creditor on my behalf without my knowledge or consent. This caused my account to go into the negative and forced me to switch my direct deposit to another bank because I could not afford for them to take all that money back when I was paid the following month. I have gone into the bank, called the corporate office, disputed the charges and I still can not have this charge removed from my credit report even after they could not provide me with any documentation showing that i was aware the bank could make one time payments even if you dont have overdraft protection ( which i did not have overdraft protection ). They also could not provide my signed consent to this process. XXXX XXXX  may have assumed they were doing me a favor with this action but i have been living with the impact on my finances and credit report for 5 years now. Not only did they make this unauthorized payment on my behalf but instead of this being one account on my credit report they have split the balance of the payment and reported 2 accounts. One with a balance of {$410.00} and a second with a balance of {$64.00}. I was sure when I explained this to the credit bureaus they would find that XXXX XXXX  had no authorization from me allow this transaction to go through and remove the two negative accounts but every dispute comes back in favor of XXXX XXXX. I am asking one final time for proof that shows my knowledge and consent to this " courtesy payment '' practice from XXXX XXXX XXXX XXXX. If they can not provide proof I would like the 2 accounts removed from all of my credit reports and a payment for the amount on both accounts for the 5 years of damage to my credit due to their unauthorized assistance.

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 2021-07-26
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: Their investigation did not fix an error on your report

Complaint:
My car was broken into and the thief took all my identification information and is now trying to open accounts in my name. I did not request anything from these companies.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-30
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:
These accounts that is attached to my identity theft report was applied for fraudulently Based On, 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that result from an alleged identity theft. not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY. Account Name : XXXX XXXX XXXX XXXX, Account Number : XXXX Agency 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 2022-06-19
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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity thief and although I have taken the proper precaution to prevent this from happen in the future by ( freezing all 3 of my credit reports and placed a fraud alert on all 3 credit reports ) the following inquires were not made by me nor did I give consent for my credit report to be accessed. Please delate the following inquires : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX, XXXX AND XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am only writing this to have something on the record to show my lawyer for when court papers are filed when Equifax 's 30 days are up from the certified letter my lawyer had me send Equifax. I am curious as a previous communication from Equifax stated that XXXX XXXX XXXX was not currently being reported and I have sent Equifax a copy of the settlement by XXXX XXXX XXXX 's representative and myself and my lawyer claiming the debt can not be collected on by the defendant who was their representative. By that companies own admission, the account information was already in control of the account as the company sent it back before the settlement. This would make XXXX the defendant as much as their representative and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: CL Holdings LLC
State: FL
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: Investigation took more than 30 days

Complaint:
I would like this invalid account deleted from my credit report immediately. I am writing to file a formal complaint against XXXX, XXXX, and Jefferson Capital System regarding their blatant disregard for my consumer rights in connection with a debt collection account that is erroneously reporting on my credit report. I have taken all necessary steps to rectify this situation, yet I have been met with inaction, lack of communication, and a complete disregard for the regulations set forth in the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2023, I sent certified letters to XXXX, XXXX, and Jefferson Capital System, respectively, notifying them of a debt collection account that I believe is invalid and should not be reporting on my credit report. The purpose of these letters was to formally request documentation to verify and validate the accuracy of the debt, as well as to initiate an investigation into the matter as outlined by the FCRA. I have meticulously followed all procedures and ensured that each letter was delivered within the stipulated timeframe. 

The certified letters were delivered and received by XXXX, XXXX, and Jefferson Capital System on or before XX/XX/2023. The tracking numbers for each delivery are as follows : XXXX : XXXX XXXX : XXXX Jefferson Capital System : XXXX I urge you to verify the delivery of these letters by visiting XXXX  using the provided tracking numbers. Despite the undeniable receipt of my correspondence, I have yet to receive any documentation from Jefferson Capital System regarding the validity of the debt in question. Moreover, I have not been informed of any investigation results from either XXXX or XXXX within the mandated 30-day period.

This situation not only undermines my consumer rights but also tarnishes my creditworthiness unfairly. I have taken the necessary steps to address a concerning discrepancy on my credit report, and the lack of response and cooperation is very frustrating. The disregard for my rights as a consumer is troubling and goes against the very principles that the FCRA aims to uphold. 

I implore the Consumer Financial Protection Bureau to take swift action in this matter. XXXX, XXXX, and Jefferson Capital System must be held accountable for their failure to adhere to the FCRA regulations and for their evident negligence in responding to my inquiries. I request that this account be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: U.S. BANCORP
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Regarding my recent Visa dispute amount of {$8400.00} for the lack of results of XXXX XXXX : USBank closed my dispute because it wasn't in the the 60 day timeframe from the XX/XX/20 transaction. The doctor kept telling me to " Wait and see another month, it may look different ... '' each time I contacted him. So he pushed me to wait 6 months, meanwhile, he probably knew the time limit to file a chargeback is apparently 60 days with Visa. 

By the time the doctor finally said, " No, there's nothing more I can do for you, '' it was 6 months post transaction. I had to get the XXXX redone and will likely need one more this year on my XXXX XXXX to look normal again. 

I feel duped not only by XXXX XXXX, but also by the these credit card companies that claim to protect you from poor quality service. How can they protect issues like these when the time limit won't cover " healing time '' requirements by surgeons? 

Thanks 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 2021-05-26
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021, I set up an AutoPay for my mortgage with XXXX XXXX through my XXXX XXXX XXXX checking account via their website. This AutoPay should of paid the XX/XX/2021 payment. XXXX XXXX did not post this autopayment and subsequently sent to the credit agencies a delinquent payment notice. 

XXXX XXXX sent a late payment notice dated XX/XX/XXXX, which I received on XX/XX/XXXX, and I quickly called XXXX XXXX customer service and spoke to XXXX, ID XXXX. He informed me that XXXX XXXX did not credit my account with the AutoPay for either XX/XX/XXXX or XX/XX/2021 payments. He did not have an explanation why XXXX XXXX did not post the AutoPay since he saw that the AutoPay was set up on XX/XX/XXXX. He did remove the late fee for their error, however. That day I had XXXX XXXX  XXXX make two payments for XXXX and XXXX 's mortgage payments which brought my account current. 

During this period, I have been applying for a new 12 month construction loan with XXXX XXXXXXXX XXXX, Idaho. They informed me that my credit scores have dropped over a XXXX  points because of this delinquency from when they gave me the initial credit approval to the final mortgage approval, and that the interest rate for the final 30 year loan will have a big hit on interest rate that they can provide. With this news I applied with XXXX XXXX  for this construction loan. They declined my mortgage request because of this delinquency. 

I have sent two certified letters to XXXX XXXX Dispute Department, XXXX New Jersey, on XX/XX/XXXX and again on XX/XX/XXXX to dispute this delinquent mortgage payment. I just received their response in the mail on XX/XX/XXXX where they declined my request to withdraw the credit notice to the credit reporting agencies. It took almost 7 weeks for them to respond. I requested a phone call to discuss their error, which they ignored. This error will cost me significant financial harm if not corrected

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 2023-05-15
Company: Experian Information Solutions Inc.
State: TX
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 my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX  XXXX Balance : {$0.00}

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 2023-10-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit report and I was shocked to learn that I have been a victim of identity theft. I have found numerous accounts on my credit report that were not opened by me. This is hurting me because I am in the process of purchasing XXXX XXXX  home. Please remove fraudulent accounts from my credit reports as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14
Company: GOLDMAN SACHS BANK USA
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have several credit cards and XXXX setup each payment ( bill pay through my bank ) to be received on the exact date the payment is due. This works for all but my GM Rewards Card by Marcus Goldan Sachs. For that card I have my bank send them a check XXXX day earlier, so XX/XX/XXXX when the payment is due by XX/XX/XXXX. That is because the GM credit card will issue a late fee/interest fee if the payment is received on the day it was due. The late fee/interest fee are then reversed automatically. But Ive had to also call to make sure it was reversed. So a waste of my time. Why are they this? I believe they are pressuring consumers to send their payment in a day or two earlier, thus having MILLONS or maybe BILLIONS of dollars on hand one or two days earlier, which is a HUGE bonus for them. 

My most recent payment was due XX/XX/XXXX, so I had my bank send them a check on XX/XX/XXXX. Yet I received a letter saying I missed a payment. So I called and sure enough the payment was recevied XX/XX/XXXX and the fees were automatically reversed. So now even one day early is not enough? 

Is that a fair practice? I would think not? 

Please let me know your thoughts. 

Thank you- XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
I mailed a letter on ( XXXX  ) ( they received it on XXXX ) stating that there was fraudulent /hard inquiry on my equifax report and they said I didnt tell them what inquiry it was when I clearly precipitated it to them in the ID theft letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: SC
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 investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX XXXX XXXX : {$470.00}, XXXX XXXX  XXXX Balance : {$12000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19
Company: Avid Acceptance, LLC
State: VA
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:
In XX/XX/XXXX I bought a car at XXXX XXXX XXXX XXXX XXXX XXXX. I made my monthly payments on time. Then XX/XX/XXXX, the car broke down on the side of the road. In a matter of three days, I had to pay a little over {$2800.00} to service and repair the car. I called Avid Acceptance, the financer, and explained that I would not have my car payment on XX/XX/XXXX because I used every cent I had to get the car working. They told me that they could not help me. I made the following payments : XXXX XX/XX/XXXX XX/XX/XXXX {$460.00} {$0.00} XXXX Completed XXXX XX/XX/XXXX XX/XX/XXXX {$420.00} {$0.00} XXXX Completed I had one scheduled on XX/XX/XXXX but was unable to make that one. Now, Avid Acceptance says that I need to make two payments. They are refusing to accept one payment on XX/XX/XXXX and another payment later. My new payment is due XX/XX/XXXX. They say because it is so close to the new payment they must have both. Is it legal for them to not accept my payment?

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