BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 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 2020-04-10
Company: Capital Accounts, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Capital Accounts XXXX XXXX XXXX Account number # XXXX. I have never had an account with this company. It is fraudulent. It is not mine. I am a victim of identity theft and someone used my information. I have filed a report with The Federal trade and a police report. They call me constantly and I told them it is not mine it is fraud and needs to be removed from my social security and my credit file. The amount is {$570.00}. It was opened XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
n accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXXXXXX XXXX XXXX account # XXXX Transunion XXXX XXXX account # XXXXXXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account XXXX XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account XXXX xxxxxxxxxxxx XXXXXXXX XXXX XXXXXXXX account xxxxxxxxxxxx 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 2020-02-12
Company: World Acceptance Corporation
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
original creditor was XXXX XXXX and that is what is on my XXXX credit report but on my XXXX world finance co. purchased the loan. and reported the i had been making payments since XXXX it was and has been a charged off account and then they refreshed it by putting that i missed a payment recently on XX/XX/XXXX and on XX/XX/XXXX i have not done anything on this account since XX/XX/XXXX they have illegally refreshed this account I had no idea they had even purchased it. i have contacted XXXX twice on the matter and they are no help at all. on one report it is still XXXX XXXX with a differnt balance on that alone there are major conflicting issues with this .companys should not be allowed to purchase other accounts like this

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: Radius Global Solutions LLC
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a notification from a debt collector. I requested for details of the debt. The company was unable to provide but wrote that it has concluded investigations. No details about the investigation was sent to me either. But was reported to the credit bureau

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 2022-05-06
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i first learned about cryptocurrency investing in XXXX of 2021. XXXX said that Coinbase was the most legit place to invest. i XXXX the company and called the number. the man i spoke to had a heavy XXXX accent, i could almost not understand him, he set up the accounts and apps and my bank wired XXXX $ to purchase mostly ethereum. i can only find XXXX $ of my money in the accounts he set up. i called coinbase to complain and they can see the transaction of my money coming in and then maybe a day later sent out to the scammer. coinbase claims they have no idea how to identify this person and i find that highly unbelevible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/1981 Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate or incomplete. I am emotionally distressed by these errors and request your immediate attention to these issues. 



The following accounts have been reported incorrectly on my credit report : XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX XXXX Late Payment Account XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXXXXXX XXXX XXXX  XXXX Charge Off Account XXXX XXXX XXXX XXXXXXXX Collection Account XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX  XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXXXXXX XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX XXXX XXXX Off Account XXXX XXXX XXXX  XXXX XXXX Charge Off Account XXXX  XXXX XXXX Charge Off Account XXXXXXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX XXXX XXXX Charge Off Account XXXX XXXX Charge Off Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Collection Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXXXXXX Collection Account XXXX XXXX  XXXX Collection Account XXXX Bank XXXX Collection Account XXXX XXXX XXXX Collection Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Collection Account I dispute these accounts as they contain incorrect and incomplete information. I request that these accounts be investigated and corrected or removed from my credit report immediately. 



Furthermore, I would like to bring your attention to the Fair Credit Reporting Act, which requires credit bureaus to ensure the accuracy of the information they report. The act also entitles me to dispute any inaccuracies and receive a response within 30 days. 



I expect a prompt response from you regarding the above issues, and I request that you provide me with a written confirmation of the actions taken to rectify these errors. 



Thank you for your immediate attention to this matter. 



Sincerely, 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 2017-03-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
As two of the primary methods for consumers to correct errors to their credit files so that they can conduct the business required of them in order to function in this country, XXXX and Experian are committed to exacerbating the difficulties involved for consumers in doing so as much as possible in the name of profit. XXXX has a procedure set in place wherein a request has to be submitted through AnnualCreditReport.com to obtain a credit report from the merchant in order for consumers to submit a dispute with XXXX of the information contained in their credit files. If the credit report expires after 10 minutes of inactivity, it is impossible for them to either to use it to make any further updates to their credit files or to request another credit report online. Furthermore, the " WebMail '' form XXXX offers for consumers to make requests to update their credit files will not allow for the full XXXX word Personal Statement, as mandated by Federal Law. Meanwhile, Experian similarly has a feature in place to make it all but impossible for consumers to add a Personal Statement to their credit files online, as I have noticed that the merchant 's webpage for uploading documents ( XXXX ) will only recognize the Tagged Image File ( " .TIFF '' ) and Portable Document ( " .PDF '' ) Formats, but will not permit the uploading of documents which have been converted to the latter format from editable formats such as " .txt '', " .odt '' and " .doc '', and that the only way for consumers to add a Personal Statement to their credit files with the merchant online is to type it out in the space they are required to use for describing or commenting on the files being uploaded ( however, at least one file must be uploaded successfully in order to submit a Personal Statement in this manner ). 

With the economy still undergoing a fragile recovery from the turmoil of the Great Recession, it is unconscionable that XXXX and Experian would jeopardize that recovery in this manner by exploiting the normal difficulties involved in functioning in a recovering economy by making it is as difficult as possible for consumers to update their credit files in the name of profit. It is particularly disconcerting that both merchants focus these efforts specifically on making it is difficult as possible for consumers to add the Federally mandated Personal Statement of XXXX words or less to their credit files, as this would tend to suggest that these difficulties represent collusion against consumers on behalf of businesses.

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 2022-01-18
Company: Experian Information Solutions 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:
Experian is reporting a child support account on my credit report which does not belong to me. Please see my attached FTC ID theft 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 2017-03-31
Company: ALLY FINANCIAL INC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
on XXXX I financed a new XXXX pickup from XXXX, in XXXX ca. The salesman also sold me GAP protection, stating that if anything happened to the vehicle on a total loss that GAP will pay the outstanding balance. on XXXX I suffered a total loss of my XXXX XXXX pickup. I notified my insurance company, and Ally the finance company of the total loss. Ally stated verbally that the account was now frozen and would be in contact with the insurance company. My insurance company XXXX, settled their claim in the amount of XXXX, GAP was contacted and the process was started and all outstanding service contracts were refunded to the lender and noted as refundable items in the amount of XXXX. GAP determined the balance at the date of loss was XXXX after settlement and other credits the remaining balance would be XXXX upon conversation will Ally they stated verbally on the phone that everything was taken care of and they were in communication with GAP and that the account was paid and closed. During this time ALLY has reported me as late during my loss, then as current after they received the insurance payment, but never removed the late marks. Then at a much later time My credit report gets dinged again for late payments in XXXX thru XXXX as 120 days late. after many phone calls to resolve this matter nothing has happened, other than my credit getting ruined, I can not buy a house for my family to live in and all of my creditors have severely reduced my credit lines and have tarnished my reputation as a person and as a businessman, who relies on excellent credit to operate my businesses.

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 2021-07-21
Company: EQUIFAX, 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:
This would be my 2nd complaint about XXXX XXXX. The company responded on XX/XX/2021 through the CFPB in response to my initial complaint dated XX/XX/2021. The company keeps sending me over the same documents nothing bearing my wet ink signature. I have sent in affidavits of truths and affidavits of fact that have yet to be rebutted. I know that an affidavit must be rebutted by another affidavit. If it is not rebutted then the initial affidavit stands as true and factual. I have asked that the XXXX XXXX stop furnishing my information to the consumer reporting agencies without my consent. They have ignored my request. ( 1 ) XXXX XXXX has failed to provide me with any written documentation or proof in your initial communication which I received as to who purchased any alleged student loans under any guarantee agreement bearing my name and personal identifying information. ( 2 ) Proof of the entire chain of custody of each promissory note you claim that the entity you are collecting for was required to purchase, including but not limited to, copies of the guarantee agreement for each of the alleged loans contained within your initial communication to me ; ( 3 ) Please send me a full accounting of ALL sums due that have been applied to this alleged loan balance, including alleged default insurance payments, credit default swap payments and any other insurance that was purchased to cover the entirety of the loan should an alleged default occur, including correspondence showing the payout dates of these alleged policies ; ( 4 ) If this loan was securitized, along with other student loans, please provide me with the name of the trust and location of its trustee, including its full contact information and telephone numbers ; ( 5 ) Please provide me with the complete name and address of the original lender and/or creditor and all correspondence you have in your possession related to these alleged loans. ( 6 ) Please provide me with the exact location of my purported loan documents, signed by me, including a direct phone number ; and ( 7 ) Please provide me with copies of all correspondence between your agency and the U. S. Department of Education, including all loan documents, and any documents you have in your possession, bearing my legitimate signature, that proves you have the right to collect this alleged debt, including any agreements signed between you and the alleged creditor you claim to be representing in your initial communication to me. Lastly, please send me your rebutted affidavit if you do not agree with my claims and testimony.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Automated Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
AUTOMATED COLLECTIONS XXXX XXXX XXXX XXXX, TN XXXX ( XXXX ) XXXX Original creditor : XXXX XXXX This was placed on my credit report at a collection, I do NOT have a written agreement or account with this company. This is also considered medical. This needs to be removed from all credit bureaus IMMEDIATELY, pursuant to 15 U.S. Code 1681b - Permissible purposes of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 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 2022-09-12
Company: Experian Information Solutions Inc.
State: AZ
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. Unverified Inquiry XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. Unverified Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. Unverified Inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. Unverified Inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXXXXXX XXXX  Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
US DEPT ED Account Number : XXXX Delete this account. 
9. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX 10. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: U.S. BANCORP
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My name is XXXX XXXX my XXXX XXXX XXXX was deemed a total loss do to an accident on XX/XX/XXXX I contacted U.S. Bancorp aka U.S. bank on XX/XX/XXXX to advise of what had happened representative was very rude I asked for 10 day off and per diem she ended up hanging up on me I did n't not get name then I called on XX/XX/XXXX spoke with XXXX requested payoff amount which was XXXX good to XX/XX/XXXX called XX/XX/XXXX spoke with XXXX who informed me that they would charge me a fee for my payment history so I could send to my gap company called us bank on XX/XX/XXXX tt XXXX who then transferred me to XXXX I had mentioned about the cost of history he stated would send me statements from the start of my loan and any problems to directly call him at ext XXXX then I called us bank on I believe XX/XX/XXXX did not get reps name I was on my break at work I inquired about the letter for guarantee of title stated that was sent to my adj XXXX at XXXX on XX/XX/XXXX contacted XXXX not was received and she requested it on XX/XX/XXXX after XXXX was deemed a total loss then on XX/XX/XXXX or XX/XX/XXXX I made the payment for a car I do n't have I have expressed this concern with us bank on the calls I then made a call to us bank on XX/XX/XXXX and talked with XXXX and advised him I am done he needs to get manager or supervisor on the phone rep XXXX got on phone I stated that I was done I am now facing 2 car payments on XX/XX/XXXX and stated things will be taken care of it that she would contact back office?? I told her that I want this resolved today gave her my insurance adj name and # and she gave me her # XXXX and i gave her mine and that if I needed to speak to her to call her directly so I called XXXX XX/XX/XXXX left message then my ins. adj XXXX called me XX/XX/XXXX said that she did get a message from ash and tried to call her back and no one have  gotten back to me or my adjuster again the run around and the stress that this company has put me thru i want this to be done so i can go on and not worry about this it will be 4 weeks since my accident and i still have yet to file my gap claim because of the delay from us bank and their reps and now i am facing another car payment on a vehicle that i do n't have it is n't their credit it is mine please get this matter resolve preferably sooner then later

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