BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Consumer Portfolio Services, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I had a vehicle that ended up being repossessed however XXXX XXXX XXXX has failed to provide the requested validation of the alleged balance owed. I am not debating whether or not the car was repossessed but based on the repossession laws of my state, I should've been sent a Notice of my right to redeem the car as well as a Notice of what the lender intends to do with car and whether or not the car will be sold at a public sale. I did not receive either of those notices nor was the balance owed adjusted if the car was sold. 

The inaccurate reporting of this account is severely damaging my credit and I would like to have it remedied as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-29
Company: Experian Information Solutions 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:
XX/XX/2020 XXXX XXXX ; Original balance ; {$500.00}. please remove fraudulent / unauthorized closed account off my report or provide proof in writing within 30 days.

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 2022-12-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently reviewed my credit profile and notice inaccuracies and/or incomplete information and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, information that is inaccurate, or which can not be verified.

As I am POSITIVE you are aware as a injured consumer. UNJUSTLY MIND YOU, I am lawfully within my consumer and civil rights to as for any and all of the above and below DEMANDS UNDER the terms of the Fair Credit billing Act of 1975 ( FCBA ).

As the Official notice of my right composed DECLARATION of not proven Complaint main information that is either or all of the following. YOU MUST ANNUL BY REMOVAL of any DEROGATORY and or ADVERSE AND YET unproven claims be it an account or an aspect of that account PLEASE as you MUST, delete the foul mis-reporting and display any and all of my accounts as being PAID/PAYS as agreed, NEVER LATE AND AS NOTHING ELSE ; XXXX  XXXX  : XXXX account is showing 30, and 60 days late, also shows account is being reported as negative by credit reporting agency. 

NOTATION : PER CRSA enacted, CDIA Implemented laws, any and all reporting must be deleted if not proven CERTIFIABLY fully true, correct, complete, timely, of known ownership and responsibility but also fully XXXX XXXX complaint. 

Provider claims Late Payment yet has not proven even the compliance of its reporting much less any aspect of determined truth of facts else wise required by obligatory regulations. As such, I demand evidence of XXXX XXXX compliant reporting, true and accurate and complete reporting of what is likely an allegation unfounded as it is DEFICIENT of adequate current status in fullness of, TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction-ious behavior ( s ) by retaining or returning to demonstrated TRUE, CORRECT, COMPLETE, and COMPLIANT XXXX  XXXX data field formatted reporting! PLEASE ERADICATE any and all derogatory aspects of reporting and at a minimum rectify the derelict reporting with the adequate statement of PAID/PAYS AS AGREED, NEVER LATE. 

Unless you can document this not to be correct and determine factually and in entirety that every aspect of current reporting is lawfully compliant, you MUST satisfy my demands! 

Sincerely 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 2022-06-29
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/XXXX an unauthorized charge was presented to Truist Bank for processing. As a result, I incurred XXXX overdraft fees. After filing a dispute with Truist Bank, I was advised that they could not overturn the charge but they would return the overdraft fees that were caused as a result of this transaction as a courtesy. On XX/XX/XXXX, Truist Bank refunded ( 1 ) {$36.00} overdraft fee. When asked why only one charge, Truist bank claims that only XXXX of the XXXX overdraft charges were a result of the unauthorized charge. Truist Bank claims that the payment posted on XX/XX/XXXX and any overdraft fees prior to that are not related. I advised that the payment was presented to Truist bank and pending effective XX/XX/XXXX which caused all posting payments on XX/XX/XXXX to incur an overdraft fee. I have requested multiple supervisor requests only to be told that they would call within XX/XX/XXXX business hours. Of course no one calls. On XX/XX/XXXX, I contacted Truist Bank to which I requested a supervisor call back. I was told that the supervisor will call me back during the hours that they were available and that I would have to schedule an appointment for a call back. I agreed and scheduled a call back for XXXX. I was told that the supervisor that would be calling me back would be XXXX XXXX, Complaints Manager. On XX/XX/XXXX, I received a call from an agent advising me that the Manager had something better to do and would not be calling me back. My complaint is that I want Truist Bank advised that they would refund all overdraft fees associated with the unauthorized transaction but only refunded one. Secondly, I am concerned that Truist Bank does not keep sufficient bank records. Truist Bank did not know that the charge was presented on XX/XX/XXXX. This should be known information to Truist Bank. Instead, I had to go over the transaction details and point out to the agent 's line by line to show when the account became overdrawn. This is not acceptable. Attached shows when the XXXX overdraft fees were charged to the account and when Truist bank only refunded one of them.

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 monetary relief
Consumer complaint received 2022-06-07
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: Account status incorrect

Complaint:
My Experian credit report is showing a late payment in XXXX 2021. My Bankruptcy was filed in XXXX 2021 and this account was never late up to the date of the XXXX filing. 

XXXX is reporting this on my XXXX XXXX card account and my XXXX XXXX account

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 2022-12-01
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: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureau to validate this account ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2022-12-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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 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 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 2022-06-07
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: Account status incorrect

Complaint:
This account was closed by the credit provider in XX/XX/XXXX and has reported activity on my Experian Credit report from that time through XXXX XXXX when I filed Bankruptcy. They are also reporting a late payment in XXXX XXXX when the XXXX was filed. The account had already been closed.

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 2022-12-01
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied for a loan on XX/XX/XXXX and was approved for a personal line for credit from Marcus by Golden Sachs. I applied online and the process was going smoothly until the final step in the process when I received a technical error message on the website. I will attach the image of the message. 

I called the customer service number provided and went through the troubleshooting steps. They asked me to use a different browser, to clear my cache and cookies, and download the app. I did all of these things and was advised that a ticket would be put in to try to help my situation. They told me that I was approved, and I had seen an alert from my credit report that the loan was being reported. I was told to wait and keep trying the website. 

After multiple attempts, I called the customer service line again and was told that my problem was being escalated but did not see any progress or change. On XX/XX/XXXX I called in and asked to speak with a supervisor because I did not see any changes and was losing trust in the company handling my loans. A few of the calls would not be escalated and I was just told to wait. I was frustrated with the lack of answers and that it would take so long to escalate. On XX/XX/XXXX I was finally able to speak with a supervisor. There were still not any solutions - I asked for the paperwork to be emailed to me or what the process was if there were issues like I was having. I was told the only way to get the paperwork to me was by mail. I requested that I get the papers fedex to me but all of these request I was told no. I was told that the technical support could take 7-10 days. I was worried of there being not resolution so I asked for the paperwork to be mailed to me. She assured me it would be. 

On XX/XX/XXXX I received a letter in the mail and thought it was the paperwork but it was only a letter saying they needed my bank information to finish the loan. I called and tried to get the information to them but I will still be having the technical issue every time I logged in. The supervisor told me that from looking at the notes they were not able to send out the paperwork yet. This was not acceptable to me, nor was it communicated. I think it would have been important to let me know that there were still issues with the paperwork and getting my the loan. There seemed to be no urgency or direct communication with me about the status. 

I do not feel like I can trust XXXX but I feel stuck. I am worried about canceling the loan and having that impact on my credit. I am concerned about being declined by another company. I do not think it is right for a bank to hold a customer like this to their loan with no solutions on how to get the paperwork signed. It has impacted my credit and I need to build trust again with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Credit Karma, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 at XXXX I submitted an online application for a car loan through a dealership name XXXX XXXX in New Jersey . I woke up XXXX to email stating a mortgage lender checked my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
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:
My phone and wallet was stolen out of my car along with my social and DL They open a credit card through XXXX  XXXX Ive tried to close the account but they keep tryna tell me Im the one that opened The account which is not true very bad customer service 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 2022-06-04
Company: Experian Information Solutions Inc.
State: MI
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 DEBT IS ILLEGITIMATE. THE DEBT STATES THAT WE ARE BEING CHARGED {$1600.00} FOR NOT GIVING NOTICE. DESPITE THE FACT THAT WE DID GIVE NOTICE TO THE COMPLEX, OUR LEASE WAS A FIXED TERM LEASE. IN MICHIGAN, UNDER LAW XXXX, FIXED TERM LEASES EXPIRE ON THE DATE OF TERMINATION SPECIFIED IN THE LEASE. IF THERE IS NO REQUIREMENT TO SUBMIT NOTICE, THEN THERE'S NO LEGITIMACY TO THE DEBT. NOT ONLY IS IT NOT REQUIRED BY LAW, IT'S NOT REQUIRED IN THE LEASE AGREEMENT, WHICH WAS ATTACHED. THE COMPLEX FALSELY CLAIMED THAT THEY DIDN'T RECEIVED POSSESSION OF OUR UNIT UNTIL XX/XX/21. THIS IS BECAUSE OUR MOVE OUT DATE WAS ON SUNDAY, AND THEIR OFFICE IS CLOSED ON SUNDAYS. I HAVE TRIED TO COMMUNICATE THIS TO THE COLLECTION AGENCY BUT THEY DID NOT REPLY.

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 2022-06-04
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/2022 I Used Zelle thru my bank, XXXX XXXX to purchase an item for {$250.00}. The minute I realized it was a scam I called XXXX XXXX but was told there was nothing I could do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I recently filed bankruptcy. It was discharged on XX/XX/2022 and I still have to credit cards that were included in my bankruptcy that are on my credit report which is hurting my credit and making it hard to rebuild my credit. I disputed them on experian and all that was changed was a note with the bankruptcy. They are still in my credit report when they should not be. The creditor is XXXX XXXX for {$2500.00} and XXXX XXXX  XXXX for {$500.00}

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 explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This isn't my account. I was never the owner of this account. This account is not mine. This is unacceptable and offensive to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I received a copy of my credit report and noticed that I had hard inquires that I did not apply for to be requested. The Hard Inquiries in question are : 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 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 XXXX XXXX XXXX XXXX XXXXXXXX ; 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 2023-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX, EQUIFAX and XXXX have violated 15 USC 1681 by reporting inaccurate information.This inaccurate reporting has caused injury to me and emotional damage due to not being able to access my credit. They have also violated 15 USC 1681C ( a ) ( 5 ) which 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. '' These accounts are adverse items and they are reporting again without my permission which is against the law. Again, these adverse items are causing injury and damage to me because they are preventing me from accessing my credit and being able to get the house, car and food I need for me and my family. 

Inaccurate accounts that need to be removed include : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief