BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: NY
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: Problem with personal statement of dispute

Complaint:
Based on The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies., Experian Credit Reporting Agency is suppose to report my credit in fair manner. 
Every two months Experian drops my credit score by XXXX XXXX  with absolutely no reason. 
Since I expressed my objection numerous times, I have no choice but to look for help somewhere else. 
Experian will not stop stop this practice on its own and refuses to provide any explanation of the situation. 
After my written inquiry Experian always replies that it can't identify me and asks me to mail bunch of documents, which of course, would compromise the safety of my data. It will not provide me any answers anyway. After Experian drops my score by XXXX XXXX I receive offers to increase my score by subscribing PAID service from Experian. This is extortion and should be considered criminal action. I am attaching the record of credit scores decreases as well as Experian offer to improve my score for cash. Experian lists 6 possible reasond for a credit score to drop, none applies to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: GOLDMAN SACHS BANK USA
State: WA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is to get resolved on transferring my available funds in my savings acct. at Goldmans Sacks Bank USA, website by marcus.com. I have my this savings acct. for more than 10 years. 

For last 3~4 weeks, I tried to do online transfer of my available money at my sav. acct in Goldmans Sacks Bank USA, website by marcus.com, to other financial institutes with better saving rate or investment options due to ongoing higher inflation. 

I was able to log in my acct. at marcus.com each time, but keep getting the error mesg. 'website has technical problem, come back later ', my online transfer can't go through. 
I called their customer support at XXXX yesterday to resolve the freeze of my acct. The 1st representative verified my identity by verifying my secret pass code, I asked the representative to un-freeze my acct and let me transfer my available money in this acct. She refused and instead transfer me to another representative. The 2nd representative spent ~ one hour on the phone, making excuse of verifying my identity., asking me my family infor., instead asking me the standard security questions, as all other banks do, my current address, places I had lived, etc. At the end, the 2nd representative refused to un-freeze my acct. And told me I need to send additional proof to them. 

This is the worst nightmare as a bank customer I ever have. I have this acct for more than 10 years and it worked ok until~ 4 weeks ago to transfer in and out my available money in my acct. Also, other smaller banks online offering better saving rate usually help me over the phone to transfer my money in a few minutes. 

Also, I received Transfer Failure Notice from my other local bank, XXXX, here, shown below : ' On XX/XX/2022, you initiated deposit verification for your account : Goldman Sachs Bank USA, XXXX, Savings # # # # # # # # '

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Nelnet, 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:
In accordance with the fair credit reporting act XXXX Account # XXXX, has Violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX  XXXX XXXX Open Date XX/XX/2017 Balance : {$6400.00}

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 2023-03-20
Company: EQUIFAX, INC.
State: AR
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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX : {$1900.00} ; XXXX XXXX XXXX XXXX : {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
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: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to inform you that my rights under the Fair Credit Reporting Act ( FCRA ) are being violated due to inaccuracies in my credit report maintained by your agency. These inaccuracies stem from a violation of several key provisions of the FCRA, as outlined below : 15 U.S.C. 1681 Section 602 - Right to Privacy : This section asserts my right to privacy regarding my credit information. I have not provided written consent for the accounts in question to be furnished to your agency.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Consent Requirement : A consumer reporting agency such as yours can not furnish an account without the written consent of the consumer, which, in this case, is me.

15 U.S.C. 1681a - Definitions - Rule of Construction Exclusion : The definition of a " consumer report '' in this section excludes any report containing information solely regarding transactions or experiences between the consumer ( myself ) and the entity making the report. Therefore, these late payments should not be included in my credit report. 

15 U.S.C. 1666b - Prohibition on Treating Payment as Late : This section prohibits creditors from treating payments on a credit card account as late for any purpose. Hence, the late payment information reported for these accounts is in direct violation of this provision. 
Additionally, according to Section 604 of the FCRA ( 15 U.S.C. 1681b ), I have the right to control who has access to my credit information. Credit reporting agencies should have my permission, typically in writing, to collect and share details about my financial accounts. 

I kindly request the removal of the following inaccurate accounts from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I expect your prompt attention to this matter and request that you investigate these discrepancies immediately. Please provide me with a written response detailing the actions taken to rectify these inaccuracies within 30 days, as mandated by the FCRA. 

Thank you for your prompt attention to this matter. I appreciate your cooperation in resolving this issue.

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 2023-11-17
Company: Experian Information Solutions 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:
I have late payments showing on my credit report with XXXX  ( now known as XXXX XXXX ) from XXXX, XXXX, and XX/XX/2022. Account # XXXX In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: In progress
Consumer complaint received 2022-12-07
Company: JPMORGAN CHASE & CO.
State: PA
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:
During the time frame of XX/XX/2022 through XX/XX/2022 multiple purchases were made through a single merchant portal, XXXX, on my Chase Sapphire Reserve Card. 
The purchases that were made were enhancements to a service. The service quality had severely diminished over the course of the use ( disconnections, removal from the app store, inability to log in ) to the point that the service is no longer accessible to me. I had attempted to contact the merchant on multiple occasions with no response. I attempted to contact XXXX but they pointed me in the direction of my credit card issuer. 
As the service / product that was purchased was no longer being provided I had filed disputes for all charges to this merchant, XXXX, between the dates of XX/XX/2022, and XX/XX/2022. These disputes were denied by the credit card provider stating that they did not protect their consumer for these types of purchases. 
My rebuttal at the time was that these services were purchased and then removed. I no longer have access to the product / service which I had purchased. It would be like if I had purchased a car, been given possession of said car, and then the dealer removed the engine from said car after a specific period of time. While I had received the product, it was rendered unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-30
Company: Experian Information Solutions Inc.
State: GA
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:
Experian and XXXX are in violation of the FCRA. They are continuing to inaccurately report account XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) on my Consumer reports. The date last reported was not updated and still reports as XX/XX/2022 on Experian and XX/XX/2022 on XXXX. This means they did NOT investigate this account even though they stated it was " verified " as accurate.

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 2022-07-30
Company: Experian Information Solutions Inc.
State: NY
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 been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX XXXX  and XXXX are my biggest concerns right now. 

XXXX XXXX is reported incorrectly. Each bureau reports a different date of last active. XXXX reports XX/XX/XXXX, Experian reports XX/XX/XXXX and the payment status is : was past due XXXX or XXXX times. That's not even possible or accurate. It must be concise according to laws that govern credit. XXXX reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. Experian reports the Date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. XXXX is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines

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 2022-07-30
Company: EQUIFAX, INC.
State: NY
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 been disputing erroneous items with the bureaus since XXXX of last year ( XXXX ). 

XXXX XXXX and XXXX are my biggest concerns right now. 

XXXX XXXX is reported incorrectly. Each bureau reports a different date of last active. XXXX reports XX/XX/XXXX, XXXX reports XX/XX/XXXX and the payment status is : was past due XXXX or XXXX times. That's not even possible or accurate. It must be concise according to laws that govern credit. Equifax reports the date last active as XX/XX/XXXX and they keep reporting payments after it's closed. this is inaccurate and should not be on my report. They refuse to correct this. 

XXXX should not be on my report either. XXXX reports the Date last active as XX/XX/XXXX. XXXX reports the date last active as XX/XX/XXXX and they are reporting activity on a closed account. Equifax is also reporting the date last active as XX/XX/XXXX with current payments on a closed account. They will not fix this and it's against FCRA guidelines

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23
Company: Self Financial Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account. This account was never mine. This account is not my responsibility. This is both incorrect and offensive to me! Someone else owns this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: IL
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 find it hard to come to terms with the issue. I urge you to rectify my account without delay. Historically, I've always been punctual with my payments, and it feels unjust to face repercussions for an error not of my doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: CA
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:
am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # and contacted the police department and obtained a police report # which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
Upon review of my Transunion and XXXX credit report I noticed some Hard inquiries that were not authorized by me I immediately placed an fraud alert on my reports and asked the bureaus to investigate and remove these fraudulent inquiries but they remain reporting I also reached out to the companies that pulled my credit files and asked them to investigate and remove these inquiries because I did not fill out a application for credit with them and believe I am a victim of identity theft On my transunion report I request to have these fraudulent inquiries investigated and removed XXXX XXXX  on XXXX and XXXX XXXX XXXX XXXXXXXX on XXXX On my XXXX report I request to have these Fraudulent inquiries investigated and removed as i am a victim of identity theft ( XXXX ) on XXXX and XXXX ( XXXX XXXX  ) on XXXX and 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 2023-12-28
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:
By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX DEPT. OF EDUCATIO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
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 privacy and confidentiality under 15 USC 1681. 


Account Number : XXXXXXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  XXXX, Account Number : 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
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 received an alert on my XXXX credit report from a creditor XXXX XXXX XXXX. I have never opened any account with XXXX XXXX XXXX  I went to the police station and reported my identity stolen.

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 2023-10-24
Company: Experian Information Solutions Inc.
State: NJ
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:
There are multiple inquiries on my credit report I do not recognize

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