BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This refers to Case Number : XXXX with Equifax. I STILL CAN NOT ACCESS MY EQUIFAX ACCOUNT ONLINE OR TO GET MY CREDIT REPORT AND XXXX SCORE. I received a closed notice on this dispute but it STILL HAS NOT BEEN FIXED. On XX/XX/2022, I received an email from Equifax ( Dispute Confirmation Number : XXXX ) that the dispute was resolved. I then went online and it still is not resolved. I get this message : Please give us a call and give this code to the Agent : XXXX -- Your Equifax credit report and score are not available at this time due to a technical error. Please call Customer Care at XXXX ( XXXX ). 
Our call center hours are : XXXX XXXX  to XXXX XXXX  ( ET ), Monday through Friday, and XXXX XXXX  to XXXX XXXX  ( ET ) Saturday and Sunday. We are temporarily unable to provide your credit score. Please try again later. 

So, I call the number and a new case is opened because no one knows why I am not getting my report or score. They said they will escalate this but they never do. This happened the last time with NO RESOLUTION. The new dispute confirmation number is XXXX. 

Please, CFPB, you dropped the ball on this one and nothing has been done. I thought your function was to protect us ( the consumer ) against this type of illegal activity by Equifax. I want this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
I submitted a letter to the Credit Bureaus 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 them again. 

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 2022-12-30
Company: EQUIFAX, 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:
XXXX  show that account number XXXX has a balance of {$8000.00}, this account is fraudulent charged and I am requesting you to remove this from my credit file, I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: EQUIFAX, INC.
State: NY
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 orivacy and confidentiality under 15 USC 1681. 
Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX  XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 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 item of information any other adverse item of information, other than records of conviction of crimes which antedates the report by more than seven years. 
15 U.S.C 1681 s-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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: MN
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 theFair Credit Reporting act convergent XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX Account # XXXX opened XX/XX/XXXX, XXXX  Account # XXXX opened XX/XX/XXXX, inquiries XXXX XXXX opened XX/XX/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 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 2022-06-27
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/2021 during covid times there was a {$8.00} discrepency that I was not aware of oweing due to the fact that I had XXXX and I didnt know nor did I understand the phone either I thought I didnt owe because I paid another apple card when I received the text alert to pay then when I received another alert to pay on XX/XX/XXXX thats when I ext them and they explained that I had 2 cards. I have asked them over 60 times to please remove due to covid care act and the discrepency and they do not respond. Goldman & Sachs do not return my calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: GreenSky, LLC
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Greensky was recommended by XXXX XXXX XXXX XXXX XXXXXXXX XXXX to give us financing options for the roof that was required on the property in question. 

A loan was applied for and approved for {$18000.00}. 

XXXX XXXX XXXX was hired and quoted {$13000.00} for the job. 

XXXX XXXX XXXX told us that there was additional work that was needed - taking them from the least expensive to the most expensive vendor for the roof. Total was {$21000.00}. 

XXXX XXXX XXXX recommended all kinds of additional work to me. I asked for a document ( pictures or a written doc ) for all this extra work on top of the extra work that had already been done, it was not provided. Clean up work that should have been done at the job site was not completed to my satisfaction was not done and I asked on many occasions for that to be remedied and it also was not done. There were signs left for advertising that were committed to be removed- they never were and they blew around the yard eventually hitting parked cars in the driveway. 

XXXX XXXX XXXX completed the job in XXXX day and then requested the payment from GreenSky. GreenSky paid them {$18000.00}, I never approved the transaction and have informed them and escalated the issue. Neither GreenSky or XXXX XXXX offered any kind of help in resolving this issue. All parties continued to state that the loan was approved to be paid- and it was not. 

Even after escalating and spending weeks on calls and emails - to no avail. GreenSky continues to purport fraud, this transaction was not approved. The work at the house was never fully completed to my satisfaction and neither party wants to help resolve the issue. 

Step in and take action to resolve, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
RE : XXXXXXXX XXXX XXXXXXXX account opened in XX/XX/XXXX The account status is reporting as " In Repossession ''. In both XX/XX/XXXX and XX/XX/XXXX I have made multiple written requests for a copy of the FINANCE CONTRACT AND PAYMENT HISTORY THAT PROVES THIS TO BE A REPOSESSION and the company has failed to provide such evidence for more than 60 days now. Both XXXX and XXXX have deleted the account as requested and I demand to know what evidence Experian has that allows them to lawfully report this account as a repossession. If Experian or XXXXXXXX XXXX XXXXXXXX can not provide the evidence, then they must delete the account in it's entirety.

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 2022-06-27
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I purchased a vehicle from a local dealership on XX/XX/2020 Vehicle was priced for XXXX with a warranty of XXXX attached making total of XXXX putting down a payment of XXXX cash ( with not bad credit at all ) a lender by the name of XXXX XXXX picked up the loan @ a interest rate of 22.9 % left me owing XXXX or XXXX for total after vehicle is paid in full. Total still due on vehicle is XXXX. As a consumer I am looking into this interest rate I feel it was very unfair Ive seen where this lender has been investigated in the State of XXXX wondering if anything in Illinois is in question on this lender thanking you in advance

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 2022-04-25
Company: EQUIFAX, INC.
State: MD
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
This line of credit I have with XXXX  / XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( characterized as utilization ) is illegally being reported. This is a violation of my rights Pursuant 15 USC 1681a 2 ( A ) ( i ), Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) Report containing information solely as to transactions or experiences between the consumer and the persons making the report ; The LAW CLEARLY STATES : Transactions or Experiences between me ( the Consumer ) and XXXX XXXX  ( the maker of the report ) are not to be included on my Consumer Report. 
Utilization is an experience with the line of credit that was extended between me the Consumer and XXXX Card Services the person that is making the report.

CONGRESS clearly states that the reporting of Transactions or experiences between the CONSUMER and the PERSON making the report is not included on the consumer reports!

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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-06-27
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Seedfi has a savings product and a credit builder product. I decided to close both. XXXX is the only way to contact them and they never respond. Theyve locked my balance, and I want to close all my accounts with them and get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX Balance Owed : {$1400.00} XXXX XXXXXXXX Balance Owed : {$40.00} XXXX  XXXX Balance Owed : {$740.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$760.00} XXXX XXXXXXXX Balance Owed : {$1000.00}

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 2022-07-28
Company: EQUIFAX, INC.
State: LA
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 have been submitting disput letters to the Credit Bureaus that about the fraudulent information on my Credit report and that they must remove the disputed accounst in accordance with the FCRA section 605b. I am appalled by the capacity of the Credit Bureaus to keep ignoring a consumer 's written requests for the removal if the accounts and iformation resulting from the identity theft. Once again, I was a victim of identity theft and that the accounts I am disputing do not relate to any transaction that I have made or authorized neither did I received any benefits from the theft of my identity. I found that under section 605b of the FCRA, the Credit Bureaus are required by law to remove any account which was found to be opened due to identity theft. The dispute accounts do not belong to me. Im attaching the required FTC Report for yours and the bank 's records. Please remove these files. If the Bureaus feel there is a possibility these accounts belong to me I will require all documentation which bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$29000.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation