BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: MS
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 is reporting information that has not been validated, nor have I received any disclosures or information about the investigations that were supposedly taken before this inaccurate information was reported to my credit file. 

Pursuant to the FCRA ; the banking system is dependent upon fair and accurate credit reporting. Experian is being unfair by not reporting accurate information about me which would lead creditors to believe I am not trustworthy. 

Furthermore, per the FCRA, ( 15 usc 1681 ( b ) ) ; consumer reporting agencies are required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is FAIR AND EQUITABLE to the consumer, with regard to the confidentiality, accuracy, relevancy and proper utilization of such information in accordance with the requirements of this title. 

I have been violated, once again by this consumer reporting agency, yet I have not received any equitable considerations. Instead I have been forced to continuously take damages and injuries. My credit file has taken damages, which is inconveniencing as well as lowering my confidence to do commerce with banks who uses credit scoring systems to determine my creditworthiness. 

I have not consented to any of these inaccuracies being reported because they are not fair and equitable to me. 

I have not given my expressed consent to anyone to make reports about me that are false and misleading, and Experian has never given me the option to opt out of my information being reported to their agency. I am now requesting that this agency allow me to opt out of information being reported to their agency about me without my expressed written consent to do so.

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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion and XXXX has allowed XXXX XXXX XXXX report and account to my credit file that they dont own. According to the Fair Credit Reporting Act you have to own this account in order to report to anyones credit file. XXXX XXXX XXXX does not own this account and there it should be removed from my credit file immediately. Please have XXXX XXXX XXXX provide proof of ownership and I would like to see proof of ownership as well.

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 2022-12-20
Company: GOLDMAN SACHS BANK USA
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: Other problem

Complaint:
On XX/XX/XXXX of 2022 two checks coming from XXXX title and escrow were cashed by Goldman Sachs. One of them had been sent to the wrong address and was canceled by the XXXX title and escrow bank and the other one was free to be cleared. Somehow Goldman Sachs got a hold of both checks and cashed it on XX/XX/XXXX of 2022. After the checks cleared, I called Goldman Sachs and asked if the positive balance left on the account after the payment could be used and I was advised that it could be used and I went ahead and used the balance. On XX/XX/2022 my account had been deducted both checks, when I called, I was advised that something went wrong with the checks and that it had been sent back to the XXXXXXXX XXXX XXXX XXXX XXXX to this day XXXX XXXX XXXX XXXX have not received the refund. I have asked for proof from Goldman Sachs that the funds had been returned. I have spent countless amount of hours on the phone with Goldman Sachs racing disputes and complaints. That just circle back to nothing. I keep getting the same email about the money being returned by the title bank on XX/XX/XXXX. I have been calling Goldman Sachs almost every day for the past two months and nothing is resolved I get told that its been sent back and then Im told that theyre not sending anything back because the checks had no funds but if the checks had no funds how could they have sent something back. XXXXXXXX XXXX XXXX XXXX representative. XXXX called with me to Goldman Sachs asking for proof that a payment was issued as refund and a representative on XX/XX/XXXX of 2022. advised that there was an error on their part and that even though they said a refund was sent there was no proof because nothing was sent and they were gon na issue a check immediately but nothing was sent. These are calls that Goldman Sachs has recorded and they can check. I have been going back-and-forth with them for two months everyone tells me something different. They are stealing my money, and I have a huge balance on the account collecting interest. It is a violation as they are trying to collect a debt they were already paid as well as they arent letting me fulfill my contract with the title company by crediting my account. I have spoken with Goldman Sachs and the bank that issue the checks and XXXX XXXX  they have provided me proof of cashed checks as well as checked their account for XX/XX/XXXX there is no return of money. I asked that Goldman Sachs does the same and shows proof that the money was returned and how it was returned because if it was returned with a check, then there is paper trail, as well as the ability to re-issue a check that was never cashed by XXXX XXXX, because they never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
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:
I took out a loan with XXXX XXXX XX/XX/XXXX. In XX/XX/XXXX I was in a car accident with my car. The vehicle was towed to a local auto yard. My insurance had lapsed, so the repairs were not covered. I contacted XXXX XXXX and explained the situation and turned the vehicle over to them, as I had no way to repair. This should have been a repossession in XXXX. 

The last payment made on this vehicle was XX/XX/XXXX. My loan was paid as agreed until I had my accident. 

XXXX XXXX is continuing to report this account, more than three years after I released the car back as an open account that is 120 days late. This inaccurate reporting is intended to do maximum damage to my credit, and more than three years later is hindering me from being able to obtain an auto loan from a reputable lender because of my " open past due car loan ''. 

I have tried numerous times to have this corrected and have not been able to get any response. I understand that this account will report negatively, that is my responsibility, but the reporting is inaccurate and this reporting is doing damage to me and my family. I have been unable to secure reliable transportation for my children with this inaccurate credit reporting.

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 2023-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 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

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 2023-07-07
Company: Experian Information Solutions Inc.
State: NE
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 a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-07
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: Information belongs to someone else

Complaint:
Hello these companies has been reporting fraudulent accounts. Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX XXXX XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. ACCOUNTS : 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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
From XXXX to XX/XX/22 I have been in the market for a vehicle to be financed for the first time. I was not aware nor did I authorize the amount of inquiries on my credit report. I have over 200 hard inquiries on my report which is just not attractive to lenders at all. I can recall only about 6 dealerships Ive been too that I authorized one pull off my credit anything more I did not approve of. Under the the fair credit act nothing can be added or reports to my credit profile I have the power of that stated in 15 U.F.C 1681 A and B

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 2022-12-20
Company: EQUIFAX, INC.
State: AR
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 recently discovered that I am the victim of identity theft. On XX/XX/2022, I sent a copy of the FTC report, my ID, proof of residency, and a letter identifying the fraudulent items that have been published to my credit report by Equifax without my authorization of consent. These documents were sent certified mail. The tracking number confirms that Equifax received these documents on XX/XX/2022. Federal law states that these items must be removed within 4 days of receipt. As of today, XX/XX/2022, 15 days have passed and these accounts are still being published on my credit report. The account with XXXX XXXX as well as XXXX incomplete collection accounts with no information furnished about the alleged original creditor other than them being labeled as collections, & 2 inquiries : XXXX XXXX BANK XXXX XXXX date XX/XX/2022 & XXXX XXXX A Inquiry date XX/XX/2022, which are all included in both the FTC report as well as the letter I sent, is still being published on my credit report. At this time, Equifax is acting in noncompliance with Federal law by continuing to furnish this information. I have attached all of the documents relating to this complaint including the FTC report, letter identifying all fraudulent items, ID, proof of residency, a screenshot that shows the incomplete fraudulent collection accounts being furnished & certified mail tracking history from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: EQUIFAX, INC.
State: DE
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: MS
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 recently got a new copy of my consumer report and I noticed some accounts with inaccuracies so I would like validation for these alleged debts. According to 15 U.S. Code 1692 ( a ) " There is abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. '' so I need to be sure the alleged debts on my consumer report are validated.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX account # XXXX, have violated my rights. 

15 USC 1681b states, I have a right to privacy.

15 USC 1681b A ( 2 ) further states a consumer reporting agency can not furnish an 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 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit bureau, TransUnion, sent a mail and stated my account was properly investigated but how is that possible if the open date is inaccurate, the data last active is inaccurate, the date of last activity is inaccurate, the date last reported is inaccurate, and the payment history is inaccurate. This is grounds for removal and they also violated my rights under : 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.

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 2022-12-20
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A false contract was created/ opened in my name without my consent during a time when I was a victim of Identity theft. 

Multiple accounts were opened in my name and went into default and collection using my identity during a time when I was a victim of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Same problem as was on XX/XX/2022 complaint. Attempting to collect debt on a home phone account that was closed, but they kept billing me for 4 months despite the closed account & disconnected phone. 

Went through this with XXXX  XXXX  & XXXX in XX/XX/2022. Transworld Systems Inc bought XXXX  & is now reviving this wrongful debt. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a fraud claim with Bank of America pre paid for XXXX $ within the time limit someone stole my money I waiting 20days they havent got back to me told me my claim was denied for no reason and keep hanging up on my I got evicted due to this my kids cant eat now and Im in the street during covid 19 due to these 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 2023-03-02
Company: Advanced Resolution Services 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:
XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX are in direct violation of 15 U.S. Code 6801 - Protection of nonpublic personal information. Without my written consent XXXX XXXX XXXX XXXX XXXX XXXX and XXXX unlawfully and illegally furnished data from the following creditor : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX DIVISION OF CHILD SUPPORT, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXXXXXX. The law states : ( a ) Privacy obligation policy It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ( b ) Financial institutions safeguards In furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection, shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records ; and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvenience to any customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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.

I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** 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

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 2022-12-20
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT 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. 
I have no knowledge of these inquires/Collections of my credit report. Please DELETE ASAP!!! 

***HARD INQUIRIES*** 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

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