BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Atfer reviewing my credit report, I noticed that I have several inquiries on my credit report that I am not aware of that may be affecting my credit. 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 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 2022-12-17
Company: Experian Information Solutions Inc.
State: AR
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 federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX account # : XXXX, XXXX Account XXXX XXXX, XXXX account # XXXX, XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX has violated my rights 15 U.S.C. 1681 section 602A. States I have the right to privacy 15 U.S.C. 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c. ( a ) ( 5 ) section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of conviction of crimes which antedates the report by more than 7 years.

15 U.S.C. 1681s-2 ( a ) ( 1 ) A person shall not furnish any information related to a consumer to any consumer reporting agency if the person knows or has responsibility caused 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 2021-11-23
Company: GOLDMAN SACHS BANK USA
State: IL
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:
Greetings, I have been making payments on-time all the time for my Apple Credit Card by XXXX XXXX XXXX Payments are reflected on my Apple XXXX as directed and instructed by the Apple Card instructions within the XXXX. Apple has teamed up with XXXX XXXX to be the Banking Credit Provider for their cards. 

My billing cycle starts every XXXX of the month and ends at the end of the month either the XXXX or the XXXX depending on the month. Every end of my billing cycle I make the required stated payment through the XXXX Apple Card by XXXX XXXX. But in recent times XXXX XXXX has not properly acknowledge my timely payments and has wrongfully put my account past due. When the representatives call me to discuss my allegedly past due amount, I bring to their attention the payments made by me and the amount and size of the payments and the frequency of those payments. These representatives when I bring this up to their attention they always hang up on me, or put me on hold for more than XXXX hour without answering me forcing me to hang up. Apple Card by XXXX XXXX has went as far as restricting my account for further access even when I bring up to them the payments I made and the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX  XXXX, NY XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$13000.00}, XXXX XXXX Date Opened : XX/XX/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 non-monetary relief
Consumer complaint received 2021-12-02
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I want to use the ~ $ 7k in equity on my BMWFS lease by selling to a 3rd party dealer ; I have two offers that are substantially higher than what the BMW dealer wants to offer. BMWFS is telling me that they don't allow 3rd Party purchases now because of the short supply of vehicles. I spoke to a rep today ( XXXX at XXXX at XXXXXXXX XXXX XXXX ), and she said the only daily to do this is to buy in my name, pay tax and then sell to 3rd party. It appears that this is being done to benefit the dealer at the harm of the consumer because the dealer is being unfair by offering a much lower offer for the trade. When I asked the dealer ( XXXX BMW ), they said no one else could buy but a BMW dealer. This is unfair and dishonest because BMW set a precedent in the past by allowing. Now they are stopping so dealers can make a higher profit at the expense of the consumer. Very dishonest

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-07
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Chime closed my account after I replied multiple times to there emails stating to reply in 5 days with all the verification I could possibly get and after a month of going back and fourth they closed my account anyways and said my verification didnt safice and after telling them that I had a reversal XXXX from my county treasurer from my property taxes that was reversed onto the closed chime card on XX/XX/XXXX I still havent been able to talk to anyone regarding where my money and I call the treasury office everyday and they even reached out to chime in regards to stoping or getting the funds back because right now there is {$2000.00} floating around I dont have it, The treasury sent it back to my chime card and they can not get information from chime either regarding it. Its been so stressful knowing that I had a blessing coming of that XXXX back but I cant even get it or talk to anyone about it. Please I just want my money swang back to the treasury so I can get it before XXXX that would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
My identification was stolen in XX/XX/XXXX, and Trans union HAS NOT added this important factor into my credit report. 

I clearly had established credit in XX/XX/XXXX when I got an federal student loan without an co-signer. Why don't i have an credit score? 

Why can't I receive ANY CREDIT AFTRR MY IDENTIFICATION THEFT. 

XXXX XXXX HAS NOT EXISTED SINCE XX/XX/XXXX when my identification was stolen DUE TO AN TEXAS DMV CLERICAL ERROR. 

Why is hasn't my creditor, Transition : 1. Update mt credit file to XXXX XXXX, that's matched my nevada id. 

2. Notified creditors that I'm an vitcim of an federal offense.

3. Basic common sense, I had good to great credit in XX/XX/XXXX, why isnt this shown on my credit report. 

4. Why is my credit score blank, when I previously got an federal student loan.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had requested citi bank accommodate my XXXX. 
Each time I requested I was hung up on for not articulating whcih product or service I was seeking access to. I was seeking equal access to all goods and services under the ADA. 
Citi refused the interactive good faith process when requested. A supervisor told me the citi bank did not have to state the policy regarding accommodating the XXXX under the ADA. I was not able to be accommodated nor was i able to open any account due to being XXXX. I had sought effective communication under the ADA

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 2019-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have had multiple issues with the initial company : XXXX XXXX XXXX reporting incorrect information to TransUnion and XXXX. On XX/XX/2016 I signed a rental lease with XXXX, the leasing manager. On XX/XX/2016 I returned one mail key, apartment key, and even a money order for {$440.00} for the time I was there. I had to move out because XXXX was verbally increasing my rent which was different than the price stated on my rental agreement. I gave XXXX XXXX XXXX  written notice I would be leaving. I physically came into their office to give them this notice and my keys ( where cameras are available if further investigation is needed ) and this company fraudulently reported to the credit bureau I owed : {$3800.00}. Upon moving out, I spent some time cleaning the apartment to make sure I left it better than I received it. This is important to note because when I first complained about this issue, the apartments claimed there was an error in their charges of the apartment after move out and lowered the charge to {$3000.00}. 

This charge has stayed on my credit for many years and TransUnion and XXXX  have not been able to investigate properly. They keep requesting more information from me, which I do not have. TransUnion and XXXX  are supposed to gather all information from XXXX XXXX XXXX in order to investigate properly. XXXX XXXX XXXX has not been able to prove this debt belongs to me because they do not have sufficient information.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Block, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
IRS deposited my refund of XXXX on XX/XX/22 unto a old Cash App account in which I can't remember any info about such as, " XXXX XXXX, old phone number or email associated with old account ''. I have the actual account/routing numbers of said account because when I checked the, " Where's my refund '' on IRS website it said my deposit was deposited on such date so looking back through my tax records I located the account/routing numbers as well as reaching out to the IRS who suggested this after telling them how Cash App gave me the run around basically telling me to read the fine print. How I found out what financial institution is linked to account / routing numbers my refund was deposited was easy as doing an online search. I can easily prove who I am, I have all my identity documents, Id 's, tax records etc. but I'm sorry if I have no recollection to my old phone # /email or cashtag.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: TRUIST FINANCIAL CORPORATION
State: NC
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:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting BRANCH BANK & TRUST ( Opened XXXX. XXXX, XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.

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 2023-07-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that these items were erroneous. The Credit Bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-01-04
Company: Experian Information Solutions 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:
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 explanation
Consumer complaint received 2023-10-19
Company: SANTANDER HOLDINGS USA, INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
I, XXXX XXXX XXXX recently went to XXXX XXXX on XX/XX/2023 located at XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. I was looking to make a Consumer credit transaction for my first ever XXXX purchase. I test drove a XXXX XXXXXXXX XXXX XXXX which is listed at the value of {$47000.00}. I was looking to Finance the vehicle & I was not able to do so due to Credit Denial. I filled out a Credit Extension Application which was denied by over 5 Financial institutions. I was asked to make a down payment of {$5000.00} which I declined because I am aware of 15 U.S Code 1605- Determination of Finance charge ( illegal down payment ). I left the dealer & received adverse action letters from 5 financial institutions regarding the credit Denial. Only one financial institution disclosed the Amount Requested which is {$50000.00} on XX/XX/2023. My sources for this complaint are, Truth in Lending Act, Equal Credit opportunity Act, 15 U.S Code 1601, 15 U.S Code 1605, 15 U.S Code 1611. This Consumer Credit Transaction was done in good faith, exercised any right under the Consumer Credit protection Act. I've also shopped around for New and used vehicles at other dealers including XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX which I got the same results so I would like to include these dealer & financial institutions that they went through as well. The reasons for Denial based on my Consumer report does not represent the Equal Credit Opportunity Act which makes it unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction, on the basis of race, color, religion, national origin, sex or marital status, age ( provided the applicant has the capacity to contract ), because all or part of the applicants income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. 

ATTACHMENTS Adverse Action letters .pdf ( XXXX MB )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
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: Reporting company used your report improperly

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-10-03
Company: Experian Information Solutions Inc.
State: DC
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:
Experian is not doing what is right to update my Personal information my last name is wrong needs to be removed See attachment Address is incorrect needs top be removed see attachment Accounts are old still in the report they need to be removed see attachment accounts are verified and removed by other credit bureaus still in Experian credit report witch is hurting my credit report. 

This is taking so long you do it a soon as 48 hours as possible. 

Please see attachments.

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