BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is several times I have found inaccurate information on my credit report. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit reporting agencies to review these items ( A ). Posting as information without confirmation within the time limit set by law is not permitted. I need to investigate, correct, or update the listed incorrect information 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

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 2023-09-05
Company: EQUIFAX, INC.
State: CT
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-01
Company: Bread Financial Holdings, Inc.
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
They keep threatening me to sue and called me off XXXX different numbers harrssing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: OneMain Finance Corporation
State: CA
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! I AM A VICTIM OF XXXX XXXX BREACH 1. Conduct a thorough investigation into the unauthorized inquiries and negative remarks mentioned above.

2. Provide me with written confirmation of the results of your investigation.

3. Remove all inaccurate, unauthorized, and negative information from my credit report.Remove all inquiries as they are categorized to be UNAUTHORIZED, therefore unlawful and violation to consumer rights.

4. Report the corrections to all major credit reporting agencies, including XXXX, XXXX, XXXX, and XXXX. 
5. Provide me with an updated copy of my credit report once the corrections have been made.

6. Include proof of submission of the corrections to the CFPB, so they can confirm that you have fulfilled the full details of my request. 

This addition ensures that you have a record of the corrections being submitted to both the credit reporting agencies and the CFPB for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: U.S. BANCORP
State: NV
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Other advances of future income
Issue: Problems receiving the advance

Complaint:
I applied for a loan and was denied I contacted their underwriting department to fix a false and misleading denial of my unlimited credit based on title 15 subsection 1611 they have refused to fix this issue and is in violation of this title under federal law I have tried everything when I call they transfer me to the wrong department every time just trying to avoid me the company is U.S 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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2023-11-01
Company: BlueChip Financial
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Spotloan interest is over 400 %, which is over the California ( my state ) limit. Additionally spotloan has made it difficult to make payments with inaccurate information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-12
Company: OPORTUN FINANCIAL CORPORATION
State: NV
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have authorizes my fiancee to speak on my behalf several times. I lost my job because I kept having to be interrupted at work to verify that they can speak with her. So now that I have no income they called me on a Sunday Morning before XXXX. When I asked what company the woman just gave me her name again and I advised her that I asked for the company name she finally said oh opertun.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX is reporting on my account as late. This payment has never been late.

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 2023-08-10
Company: Experian Information Solutions 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:
Fair Credit Reporting Act states that written proof with signature must be required and I have not received anything as of this date from the creditor.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: OR
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 have asked experian to VERIFY this information and provide me with copies of any documentation associated with there investigation into to accounts on my credit report They have not provided any documentation on there investigations on these two accounts XXXX account # XXXXXXXX XXXX account # 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 2023-08-11
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-11
Company: Kriya Capital, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I am not liable for this debt CREDENCE RM. I do not have a contract with that company. I have contacted XXXX andXXXXn regarding this collection fraudulently filed on my credit report, but they still refuse to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11
Company: Experian Information Solutions Inc.
State: OH
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 contacted the company on several occasions. This account is reporting inaccurate with all three credit reporting agencies. This account needs to be deleted due to the inaccuracies.

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 2023-08-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

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. Experian, XXXX, and XXXX is reporting inaccurate info. My Name is XXXX XXXX. XXXX : XX/XX/1993 My correct address is XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. My employer is XXXXXXXX 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 2023-10-31
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:
My father, XXXX XXXX XXXX passed away on XX/XX/2023. He had a credit card with XXXX XXXX XXXX which was XXXX # XXXX that had about a {$47000.00} balance on it. I called the XXXX XXXX XXXXXXXX credit card company and told them that my father had passed away. They sent me information on how to go about resolving the account. I had not taken steps to resolve the account when I noticed that my personal credit score had gone down XXXX points due to a delinquent payment. I found out that XXXX XXXX XXXX pinned my dads credit card onto my credit report, which is fraud. I was neither a co-applicant on the card, nor an authorized user on the card. Can you please help me with the situation?

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 2023-08-14
Company: OneMain Finance Corporation
State: NV
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a PERSONAL loan for {$2500.00} from One Main Financial XX/XX/2019. I was told that once the loan was paid off, they would return the title of my car that they used for collateral. They actually tacked the {$2500.00} onto the amount I owed my car, plus charged a high interest which was not explained to me. They refinanced my loan 4 times without my permission. Since XX/XX/2019 Ive paid over XXXX XXXX in interest on a {$2500.00} loan. Ive repeatedly asked for copies of the previous loan agreements and was told that after one year they destroy all the paperwork so I dont have access to the refinanced loans I never requested. My car is worth $ XXXX yet I still owe One Main XXXX XXXX which I cant afford. My credit score dropped XXXX points because of what they did. They were deceptive in how the loan was presented, they continue to withdraw high monthly payments from my bank account which only pays the interest and not the loan. I cant afford basic things such as groceries or bills because of how much has been taken from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX notified entity J.P.MORGAN CHASE, On Matters of ACCOUNT # XXXX Ending. That the month of XXXXXXXX XXXX XXXX  Reported Late Should have not happened. 
Due to 15 US 1681s-2 ( a ) ( 1 ) ( F ) reporting information during Covid-19. As well as being affected by 18 U.S.C. 1344. As a victim. No reconsideration of remarks as well as reconciliation of account information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: CT
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:
These accounts from XXXX are fraudulent accounts and are not mine. Please remove ALL fraudulent accounts listed from my credit report. Accounts to be removed : 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 2023-12-24
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I opened an inquiry against XXXX # XXXX XXXX weeks ago. This company while they supposed to answer me about the inquire, they emailed me today stating my credit changed, it looks they ignored the Dispute I filed against CITIBANK VISA for services not rendered for the amount of {$1000.00}. ( CITIBANK VISA it looks lie to the CFPB in their previous responses when I opened at least 7 inquires for the dispute amount of {$1000.00}, The said they will report this account as Disputed In fact, Citibank according with XXXX stated CITIBANK is Flagged this account as past due account and Delinquent and even They added additional Charges to the Dispute Account for a total of {$1100.00}. 
XXXX is aware of the dispute on this account instead to correct it and remove it XXXX made it worst adding even a wrong amount {$1100.00} and Branded the Account as DELINQUENT/POTENTIALLY NEGATIVE. 
I went in its XXXX website to file my concern and demand them to remove this account as delinquent/potentially negative, The same I'm doing here, If they don't remove it then I don't have more option than file a Lawsuit against them and Citibank Visa for reporting a damaging credit report. I'm attaching here the same documentation I did in their website.

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 2023-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I never gave my written consent to pull my credit from the list provided blow. 

XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX XXXXXXXX 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 2023-08-22
Company: FIRST PORTFOLIO SERVICING INC
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I missed a payment on my card and the collections department began calling the day after the due date. On XX/XX/2023 they left a message on a message identifying themselves as a Debt Collector. I believe this disclosure without verifying who they were talking with violates the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I want to present my disputes with Experian because I believe that the accounts are not being reported with correct information, but they have denied me my right to present them, according to them they give me options where I can enter my disputes but XXXX does not let me register them, I sent them my letter and they responded refusing to investigate, I went to their website and they told me that I can not register it through their page and they forced me to call but at a time that I do not have because I work, and because the time I called I did it on my lunch break from my job and they transfer me from one operator to another and that takes more than 30 minutes, this is very stressful and they are denying me my right to dispute incorrect information. I include the letters and evidence of the attempts I have made to dispute.

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 2023-12-25
Company: TrueAccord Corp.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2023, I had paid the XXXX balance in full on the account and received an email from the debt collector true accord that the payments were paid. Yet, I show on all three of my credit reports that there is an outstanding debt with this collection agency and that there is no up to date reporting reflecting paid.

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 2023-11-02
Company: GOLDMAN SACHS BANK USA
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened an online savings account with XXXX by Goldman Sachs in XX/XX/XXXX, which I funded with money from my checking account at XXXX XXXX ( which was linked and approved by Marcus ). 

One month ago ( on XX/XX/XXXX ), I requested my savings to be withdrawn from the Marcus account. The transfer was reversed the following day on XX/XX/XXXX. I contacted Marcus to understand the situation, and was informed that my account had been locked. The reason provided to me was that I needed to be verified with a pin authorization sent to my mobile number on file ( the same number I have been using for years and which has never been changed since I opened the account - also the number called Marcus from ), but that since the number was not associated to my name ( whatever this means ) they couldnt verify me and therefore had to lock my account. 

I was then informed the only way to unlock my account was to sign a notarized affidavit and return it to Marcus. They claimed it was mailed to me on XX/XX/XXXX, and that it should arrive in XXXX business days. After 15 days I had not received the affidavit in my mail. I called Marcus again on XX/XX/XXXX to request the affidavit be re-sent, and I was informed that there was a new company policy which no longer used affidavits. Instead, I was to be called by Marcus within XXXX business days to rectify the situation and confirm my identify. 

XXXX business days have passed, I have not been anywhere without my phone and, surprise surprise, I havent received a call from Marcus. 
My account has been locked for one month. I have urgency in withdrawing my funds, and feel like I am no closer to having my situation solved. I feel completely powerless and have no idea what to do. 

I request Marcus by Goldman Sachs to please unlock and close my savings and CD accounts, and transfer all the funds to my XXXX XXXX account ( the original account I used to fund it ).

Company response to consumer: Closed with explanation