BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
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 : 1. Account name : XXXX XXXX, Account ID : XXXX 2. Account name : XXXX XXXX, Account XXXX Number 1 & 2 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 2023-03-21
Company: Experian Information Solutions Inc.
State: SC
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:
Incorrect personal information was deleted then reinserted onto my file without me being notified as required. See attached.

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 2023-03-22
Company: General Motors Financial Company, Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
1. Gm Financial is reporting to credit Bureaus that they gave me a loan. When in fact it was a retail installment agreement. Which are two different things. GM financial has never given me any money.

2. GM financial did not follow illinois laws when repoing the vehicle. They must contact me 3 days after in writing about my options. I was contacted 14 days after. 

3. GM financial stated they sold the car in a private sale on XX/XX/23. However the car has not been sold. 

4. GM Financial stated they sold the car in a private sale but they are charging me auction fees. 

5. Once GM financial violated Illinois laws post repo this was automatically considered a wrongful repossession.

6. Reporting inaccurate information to credit agencies is violating my rights under the fcra.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: OneMain Finance Corporation
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Company sent billing to wrong address when trying to make a partial payment on account representative told me that I could not make a payment until balance is fully paid. These were in between the dates of XXXX XXXX Would like to have those late payments removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a checking and saving account XXXX with Citibank. 
Citibank sent me an email on XX/XX/XXXX and mentioned my account will be closed in 60 days while my account still had {$3900.00} balance. My account was freeze and transactions were declined transactions since then. 
I didn't consent the account closing and I wasn't given a good reason for closing the account. 
I also never receive the balance refunded. 
I've contacted Citibank over the phone many times for a refund on XXXX XXXX on XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX but they either asked me to wait for a check refund, asked me to visit a branch, or hung up my phone call. 
I also visited Citibank branch in XXXX XXXXXXXX XXXX on XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX. XXXX XXXX but they asked me to wait for a check and didn't provide a refund. 
After 3 months, I still didn't get my money back, never receive a check and all Citibank staff I met or called didn't help me resolve this issue. They also refuse to escalate this issue. The worst bank customer service I've seen.

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 2023-03-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXX XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXX XXXX XXXX XXXX2022 XXXX XXXXXXXX XXXX/2022 XXXX XXXX XXXX XXXX2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX/2022 XXXXXXXX XXXX2022 XXXX XXXX XXXX2022 XXXX XXXX2022 XXXX XXXX/XXXX/2022

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 2023-03-22
Company: EQUIFAX, INC.
State: MI
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Items XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Balance : {$0.00} DPT EDXXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$1700.00} XXXX XXXX XXXX Reference # XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: GOLDMAN SACHS BANK USA
State: MD
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem with fees or penalties

Complaint:
Marcus CD early withdrawal of 6 months penalty is too high, its a business fraud. 

On XX/XX/2022, I opened a CD account ending XXXX with interest rate at 1.98030 % ( 2 % ) for 24 months with an initial deposit of {$250000.00} ( fund was raised from the entire family ). Unfortunately, I had to close the CD account due to family emergency on XXXX XXXX, 2022. I understand that there would be 2 month interest penalty for early withdrawal but Marcus charged me 6 months instead. Instead of earning interest for the 5 months ( XXXX XXXX  = $ {$2000.00} ), ended up my account was debited {$2400.00} on XXXX XXXX when account was closed. That's a rip off, in sin and unacceptable. Marcus is worse than a loan shark. Is such an illegal activity being monitored by the government? 

XX/XX/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. {$2000.00} XXXX XXXX {$2400.00} I strongly believe Marcus is a big SCAM on this penalty. I wish could step in and help to get our hard earned money back. Thanks. 

I was not informed or aware of the 6 months high penalty of early withdrawal and 2 months penalty would be more reasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. Experian is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item 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

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 2023-03-22
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2023-03-22
Company: Google Compare Credit Cards Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
So I went to my local XXXX  retail store to buy 4 gift cards all costing {$100.00} each and then after purchased them ( with cash ) I went back to my car and I try to redeem them and got the following message " we need more info to redeem your gift card. '' send us detail '' so I click thr hyper link which took me to a Google page to Help center to explain my case about the gift card not letting me redeem them. I had to submit evidence like receipt, and gift cards info, which I fully did but 2 day later they sent me back a auto type robot denied for appeal letter. So now I have google specialist trying to escalate it but I can clearing see where this is going. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Spring Oaks Capital, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit report on XXXX/XXXX/2023 from XXXX shows Spring Oaks Capital violate my privacy by hijacking my credit report with an alleged debt. Spring Oaks capital used my information falsely without my consent to report a false debt. I do not owe and have never entered to any agreement with respect to the alleged debt in the amount of {$210.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: ProCollect, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, Ive been scammed by XXXX XXXX student living, they subleased room for me, but when I actually came to pick up my keys they didnt let me to move in even though I provided all required documents and brought guarantador with me. Management company never gave me keys and left me on the street and left this lease on my name for no reasons. Also there is no such a company XXXX anymore its been taken down for constant scams.

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 2023-03-22
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX XXXX  Charge off account Is showing a balance of XXXX. 

XXXX XXXXXXXX XXXX incorrect information XXXX XXXX incorrect information The balance is suppose to show XXXX. 

I disputed these issues to the credit bureau on Experian, XX/XX/XXXX no change Experian XXXX XXXX no change Experian XX/XX/XXXX no change Experian

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 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. 

XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5800.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2300.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: Experian Information Solutions 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed XXXX {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, INC.
State: CA
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX  no longer owns this account and it was sold to another agency. Therefore it can not be reported by XXXX XXXX XXXX and it should be deleted from my account because this company is no longer responsible and does not own the debt. 

As a result, the consumer bureaus have violated the law listed below. 

15 USC 1681e ( b ) : Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

This law explains the Credit Reporting Agency must take steps to ensure that everything on my credit report is 100 % accurate. 
Please provide information on the steps taken to prove the information is 100 % 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 2023-03-22
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$180.00} ; XXXX XXXX Bankruptcy DateFiled/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Advanced Resolution Services Inc.
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: Reporting company used your report improperly

Complaint:
Advanced Resolution Services sent me a letter Log # XXXX File # XXXX. 
They said the opt out will be in affect for 5 years or until I notify otherwise. Then they say if I would like to turn the temporary into a permanent that I should send in a written request. 
I already sent them in a written request via their website. I used a digital signature and included my driver 's license, electric bill and picture of my social security card. 

It is a burden for them to send me this correspondence and ask me to do something I have already done. They need to put a permanent opt out on my file. I have requested that they complete a file disclosure and send me everything in my file. As a violation they have not done this in the 30 day request period. I told them I filed an identitytheft.gov report. They also know that the consumer is entitled to one file disclosure every 12 months yet they refuse to send the file disclosure to me. I would like to see if there are items I need to dispute. I never gave them consent to send my information to employers. 
I have a right to receive the contents of my file. I also have a right to ask them to delete everything in my file. I don't give ARS my consent to collect or share my data with anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: Block, Inc.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I disputed a transaction on Cashapp, XX/XX/2022 for XXXX They denied it on XX/XX/2022, I asked to see the investigation they said they did and I never got a reply, I followed back with a message saying If there is any update on the dispute because I disputed it again, but no reply and whenever I contact customer service they just say wait 10 days for an update But nothing at all I contacted them more than 4 times, they give me the same reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: EQUIFAX, 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:
I submitted a letter to the XXXX and XXXX Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX : {$5400.00}

Company response to consumer: Closed with explanation