BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-06
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 XXXX XXXX contacted these companies multiple times and now fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance. 
I XXXX XXXX sent Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. These companies under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of there first investigation and subsequent reinvestigation, companies stated in writing that companiesverified that these items are being reported correctly? Who verified these accounts? Companies have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ).

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 2023-07-01
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I requested to close my Apple Card. the agent didn't sufficiently explain the consequences of closing the Apple Card account. because I have an apple installment, I no longer can pay it off early. even though I have made an excess payment, it can not be applied to the installment loan. I'm stuck with it for 1 year. because of the active installment on a closed Apple Card account, I no longer can apply for new Apple Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
WAYPOINT RESOURCE GROUP is reporting a collections account on my credit report for the amount of {$540.00} past due as of XX/XX/2023. 

Pursuant to Section 623 ( a ) ( 5 ) of the FCRA, a consumer account that has been placed for collections or written off must report the actual month and year the account first became delinquent. 

I have never received any notice of this collection. 
I requested from WAYPOINT RESOURCE GROUP the following in order to validate the legality of this debt.

1. Authenticated Contract - Contract between consumer and original creditor, including terms and conditions of contract.

2. Proof of Title to debt 3. Proof of Assignment 4. Proof of debtors failure to pay alleged debt 5. Accounting ( a breakdown of what the debt consists of ) I hereby invoke my right to request the above under the following : UCC 9-406, 810 ILCS 5/9-406 UCC 9-210 8b of the Collection Agency Act, 225 ILCS 425/8b 623 ( a ) ( 5 ) of the FCRA

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 2021-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ).

I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights XXXX Or list of inquiries 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 XXXX years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Creditors are inaccurately reporting items on my credit report. It was brought to my knowledge and I put in for disputes and answrs over 90 days ago and still nothing has been resolved! I have attactched my letters to prov 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 2023-09-08
Company: Experian Information Solutions Inc.
State: OH
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 made multiple disputes to the major credit bureaus about an account from a company called XXXX XXXX. Experian refuses to remove this account while the others have removed it. This account is not mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, 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:
I submitted a letter to the XXXX Credit Bureaus XX/XX/2022 to update these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

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 2023-05-29
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:
on XXXXXXXX XXXX, XXXX XXXX XXXX. add a derogatory mark on my credit report per XXXX XXXX and Experian and XXXX XXXX  Upon my further research, this account was transferred/ sold from one account to XXXX XXXX XXXX. 

I as a consumer is no longer by law responsible for this account after it has been transferred. Besides Debtor 's Creditor did not verify this collection by providing proof of licensing to collect in my state, by identifying the proof of limitation, likewise XXXX XXXX XXXX did not verify my debt validation letter, and which shows XXXX XXXX XXXX has violated my rights as a consumer and making me look bad and ruining my credit character, also hindering me from getting a better rate for my house. 

A bill without any form of verification does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA ( XXXX XXXX XXXX ) has completely violated my rights as a consumer and I'm requesting legal action to remove this account expeditiously. 

Account Name : XXXX XXXX XXXX XXXX  # XXXX, ( XXXX ) has 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
CRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.

The block must be no later than 4 business days The information is fraudulent.

The block wasnt made in error and I never received goods or services. Its identity theft. Plain and simple. These was someone using my identity therefore its fraudulent and must be removed or the next step will be to sue the consumer reporting agency who is violation the FCRA. 

The other major consumer reporting agencies immediately removed and blocked the fraudulent accounts when proper documentation was received which is what XXXX received. Maybe they arent familiar with XXXX or dont care about it but they are violating it nonetheless

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I submitted a letter to the XXXX Credit Bureaus XX/XX/XXXX to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior COMPLAINT, and I'm including these again. 

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 2023-01-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been a member with USAA Federal Savings Bank for over 25 years and every 6 months they find a way to increase my auto and homeowner 's policy rates up to {$200.00} or {$300.00} approximately stating some bogus reasons. I have to call and go through my policies to try and have the amounts reduced by reducing options within the policy. This has become tasking and USAA, with numerous lawsuits, have misrepresented themselves regarding. I shouldn't continue to have policy issues and significant increases every 6 months and every year to help USAA take more money from me unnecessarily. Now, I am being told, per my homeowner 's policy, I have to to just deal with their automatic increases, which is bogus. I would like to be able to stay on budget and not continuously have to be ripped off by such continuing increases without a legitimate cause. Please help and thank you. My USAA member number is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am interested in processing disputes on my credit report to remove an delete all inaccurate information submitted in the files listed to clear my report. these errors are hurting my file. this needs to be reviewed an delete to help clear the missed information on my credit report asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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, 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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 2015-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
US department of education loans were taken over by XXXX and now they both appear on my transunion credit report, and the US department of ed XXXX appears under collection from 2011 even though I have been making the regular payments. XXXX and XXXX are not showing this. It 's impossible to speak to any representatives at Transunion because their phone system does n't recognize when you dial your choices. I have started an investigation online.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: Experian Information Solutions Inc.
State: MO
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
All bureaus listed on the FTC website remain and non-compliance status with several complaints previously filed. They repeatedly take longer than 30 days without a reasonable explanation and they are not carbon copying the consumer as required by law. When they do carbon copy the consumer they were openly refused to comply and violate the fcra repeatedly by playing this match the database and push Buttons game with people. You never volunteer information any information for my driver 's license is out of state so I don't want to hear the XXXX  XXXX. Would you like to see the storage receipt that my father had to pay last month?

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 2023-11-03
Company: Experian Information Solutions Inc.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX  the following accounts XXXX XXXX XXXX XXXX XXXX {$560.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$5300.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$7700.00}, 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 602 A Section 2 : it also states a consumer reporting agency can not furnish an 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 2020-06-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I have a personal dispute with my business partner, XXXX XXXX. We own a business in the state of California. I am XXXX, XXXX and he is white. He inaccurately filed a statement of information with the XXXX of XXXX which I caught and immediately noticed XXXX in person on XX/XX/2020. I brought them all the documentation. They refused to take it. Gave me reference # XXXX. I then emailed them all the documents and called the next day. No response. I went to another branch on XXXX XXXX on Tuesday, would not take any information or tell me anything. I called telephone banking several times and also spoke with numerous wellsfargo employees. I don't even know what the balance is an account that we have a credit card and I have XXXX of personal funds in. I went again today on XX/XX/2020 and tried to give them all the documents again only to receive and email from a XXXX XXXX stating they are still looking into it. Meanwhile my business partner has suspended access to our XXXX and I have no way of knowing what credit he is pulling on behalf of the company or what deposits or withdrawals are being made. I am getting collection calls from recurring expenses for the business. I believe my business partner is misappropriating funds from the Pay Check Protection Program. I have no way to even find out right now. I noticed wellsfargo of the fraud and they did nothing. Nothing. 

Today is XX/XX/2020 and I can not even pay recurring expenses and getting collection calls.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for personal loans through XXXX XXXXXXXX XXXX XXXX, who work with XXXX, XXXXXXXX XXXX XXXX  and XXXXXXXX XXXX. I was denied these loans due to misinformation reporting on my Transunion credit report, and have no way to get financial support, due to Transunion 's violation of my consumer rights ( Per 15 USC 1681, 15 U.S.C. 1681a ( e ), and 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ). If I can't get any funding, how am I supposed to live or pay off these cards? This is in direct violation of the Equal Credit Opportunity Act, and I demand loan acceptance or compensation from Transunion.

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 2019-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Issue : Transunion signed me up for a subscription service. The only actions I ever took with them was to freeze and unfreeze my report. I called customer service because their site started having login problems regardless of how many times you reset your password. It coincided with when this fraudulent charging began. I think they're doing it intentionally to prevent customers from being able to notice and cancel these subscriptions. 

XX/XX/19 - charged for " 3 credit bureau reporting '' {$21.00} XX/XX/19 - pending recurring subscription {$21.00} I have a screenshot taken today showing this service is not active on my account XXXX even prior to cancellation XXXX. 

The login problems still occur and I can show that as well if needed. Their site is full of problems and it wasn't like this before.

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