BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: IL
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:
As a consumer and the original creditor, I am exercising my specified remedy. EXPERIAN, XXXX, XXXX has violated the law. This position was filled by EXPERIAN, XXXX, XXXX. According to 15 USC 1692a ( 3 ), I am the consumer, and I never gave ANY REPORTING AGENCY DIRECT written consent to report anything on my consumer report. EXPERIAN, XXXX, XXXX is failing to uphold their grave responsibility to ensure fairness, impartiality, and respect for the consumer 's privacy under 15 USC 1692c ( c ) ( 2 ). 
EXPERIAN, XXXX, XXXX violated 15 USC 1681e ( A ) ( B ) ( C ) ( D ) and is still violating the FCRA. According to 18 USC 8, I am not in debt. EXPERIAN, XXXX, XXXX violated my right to privacy as a consumer in violation of 15 U.S.C. 1681b2. EXPERIAN, XXXX, XXXX has no authority to report ANYTHING based on the information I provided. ANYTHING that makes use of my information in accordance with 15 USC 1681A. The account in question are XXXX XXXX ( LATE PAYMENT ). My consumer rights have been violated, and I am seeking restitution. If EXPERIAN, XXXX, XXXX does an investigation or reinvestigation, I want to know the names, badge numbers, and addresses of the people they speak with in order to verify the late payments. I require a signed affidavit under penalty of perjury from anyone with first hand knowledge to whom EXPERIAN, XXXX, XXXX speaks with, assuming the late payments are validated. If I do not receive signed affidavits from everyone EXPERIAN, XXXX, XXXX contacts, I want all late payments removed from my credit profile as soon as possible. Please send everything to my registered address.

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 2023-10-26
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023, I eagerly opened a Truist checking account, taking advantage of the promotional code XXXX, which promised a {$400.00} reward for launching a new Truist XXXX Checking account and satisfying the requirement of at least XXXX qualifying Direct Deposits totaling {$1000.00} or more within the first 90 days of account activation. According to the terms and conditions, a qualifying Direct Deposit is defined as an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security, or other regular monthly income, deposited into your new checking account by your employer or an external agency. Transfers between accounts, deposits made through branches, ATMs, online transfers, mobile devices, debit/prepaid cards, or mail are not deemed eligible direct deposits. 

I made my first direct deposit on XX/XX/XXXX, totaling {$1000.00}, and the second one on XX/XX/XXXX, amounting to {$500.00}. This should have met the criteria, as it amounted to XXXX direct deposits totaling over {$1000.00} and were made within the XXXX window of account activation. Both deposits were processed through the XXXX network, with my employer clearly identified in the transactions. 

To my surprise, on XX/XX/XXXX, I noticed a {$12.00} account maintenance fee had been charged. Believing that this fee should have been waived due to the qualifying direct deposits, I reached out to Truist for clarification. However, I was informed that the fee was, indeed, the monthly maintenance charge, as I had allegedly failed to meet their direct deposit requirements. When I pointed out the direct deposits I had made, I was told that they did not qualify as direct deposits. When I inquired about the promotional offer, Truist confirmed that my account was indeed enrolled and eligible for the {$400.00} bonus, but the deposits I had submitted did not meet their criteria. While they did refund the maintenance fee as a " one-time courtesy credit, '' they did not provide any explanation as to why the XXXX direct deposits from my employer were not considered direct deposits according to their policies. 

In an effort to resolve this issue, I contacted my employer, who promptly submitted another direct deposit on XX/XX/XXXX, this time for {$500.00} through a different provider. However, even after this deposit was posted, Truist maintained that it did not qualify as a direct deposit. At this juncture, it became evident that I had unfortunately fallen victim to a misleading promotion that Truist had advertised on their website and social media. 

In light of this, I ultimately made the decision to close my Truist account, as it was apparent that the advertised promotion did not align with the actual qualifications and criteria set forth by the bank.

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 2023-05-29
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.
Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-10-04
Company: Experian Information Solutions Inc.
State: CA
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:
THIS ORGANIZATION VIEWED at credit report and notice inaccurate information AND VIOLATIONS CORRESPONDING BACK AND FORTH FOR WELL OVER 90 DAYS FOR REMEDY TIME ALLOTTED FAILURE TO SUBSTANTIATE THE CLAIMS HAS PASSED PLEASE SETTLE ACCOUNTS IMMEDIATELY WITH DELETED NOW ASAP 15 USC 1601-6802 AND 15 USC 1667e 15 usc 1667f i have sent several letters last being XX/XX/202XXXX 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 2023-05-30
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 is missing that should be on the report

Complaint:
All 3 Credit Bureaus are dinging my credit for Short history. XXXX points. First, this is discriminatory and misleading. I am XXXX yrs old and while some accounts no longer show on my credit. I have at least a 40 year credit related history. My home was paid off with XXXX in XXXX. Where is that mortgage history payoff? 
Theres many more examples. These inaccurate credit dings are causing damages in form of higher interest rates on current and future purchases. Bottom line these acts are breach of fiduciary and unlawful. They violate several Federal Consumer Acts. Please correct before I have to take legal actions.

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 2022-02-23
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
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:
I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( 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 2022-11-16
Company: Upgrade, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
My loan is past due, as a result I receive daily collections calls via auto dialer. I have provided cell consent, however I have not provided direction or authorization for Upgrade to leave voicemails or voice messages on my number ( XXXX ). Per NC state law, creditors are restricted from leaving voice messages to debtors with an address that resides in North Carolina. Its important that my rights as a consumer remain intact as it relates to Federal and State protections, laws and statutes. 

Additionally, I have requested during multiple contacts with Upgrade to establish hardship and request assistance or resources and I was advised there was no assistance available because I called within XXXX  day of my next due date. The agent was unable to advise what assistance was available if I did call back. Since then I just received excessive auto dialed calls and illegal voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: FL
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 am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2022-11-16
Company: Carvana Group, LLC
State: NH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
To whom it may concern, so i applied for a credit application on XX/XX/2022 for personal, Family, household purposes. had seen a XXXX  XXXX XXXX that i wanted to purchase with credit. so i went thru the credit application process INCLUDED my credit card as defined under federal law Truth And Lending act ( TILA ) as any card, plate, coupon book or any credit devise existing for the purpose of obtaining money, property, labor, or services. which then gave carvana access to my open end credit account also defined in ( TILA ) then i got a offer asking for XXXX for a down payment. my only problem with this as im reading ( TILA ) under XXXX titled finance charge. the finance charge shall be the sum of all charges is this true? meaning grand total shall be no more charges as i already payed for the truck under my open end credit plan. it later says that the finance charge does not include a type payable in a comparable cash transaction. meaning no wire transfer, no cash and nothing comparable to cash. so for carvana to try swindling payment from me they are also advertising sale XXXX ( XXXX ) that a specific down payment is required in connection with any extension of consumer credit. carvana aided and promoted such down payment willfully knowingly to undermine me as a natural person. would like to note that i was also not offered insurance for my credit transaction can you explain why? thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions 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:
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 NumberXXXX Account Name : XXXX Account NumberXXXX has violated my rights. Or a 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 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 explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: TX
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 did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX  XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX/ Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/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 2023-10-04
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:
PLEASE REFER TO ATTACHED DOCUMENTS FOR FULL COMPLAINT DETAILS Experian neglected my Pre-Arbitration Demand letter, signed and confirmed received. They allowed XXXX XXXX XXXX XXXX to report on my credit report from XX/XX/XXXX to XX/XX/XXXX without verifying their claims legitimacy. It took legal action to reveal their fraudulent claims of me owning them an alleged debt. 

My question : Why did Experian allow XXXX XXXX XXXX XXXX to report on my credit report without being provided with lawful proof of ownership for said alleged debt they reported from XX/XX/XXXX until XX/XX/XXXX? 

This raises concerns about Experian 's compliance with the law and their negligence. I filed a complaint with my attorney general due to Experian 's dismissive responses in the past. 

PLEASE REFER TO ATTACHMENTS FOR MORE 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 non-monetary relief
Consumer complaint received 2023-05-29
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:
I am writing you this letter regarding payments that were marked late by your company for the following account on the following date ( s ) :XX/XX/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 2023-05-30
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-01-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries on my credit report I don't recognize. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Hard inquiries on my credit report I don't recognize. 

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 2022-04-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/22 I placed an order on XXXX for a product in the amount of {$370.00} and immediately decided to cancel and did and the cancellation was accepted but I was told that they would have to contact the seller before refunding my money. I cancelled the order before I received the confirmation! Once I was informed they would have to contact the seller I was dismayed because I know from selling on XXXX money is held in escrow, the seller has nothing to do with at this point. I contacted my bank, USAA and filed a dispute and received a temporary credit. Minutes later I received notification from XXXX that since I contacted my bank that they would not cancel the order and now my bank is about to take the {$370.00} out of my account and I didn't receive any products for the money as I did cancel the order. I'm now being informed that after careful investigation that an 'error ' didn't occur. This was not an error, XXXX illegally took my money and refused to refund it and now my bank is attempting to take it back. I cancelled my XXXX account and I'm in the process of closing my USAA bank account due to very poor customer service. I was on the phone for over XXXX minutes on XX/XX/22 and nothing was resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation