BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: NJ
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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELETE ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY. I DEMAND THAT YALL REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE ENCLOSED AND SENT YHE FEDERAL TRADE COMMISSION THE INFORMATION ALOND WITH THIS IDENTITY THEFT AFFIDAVIT! I DEMAND THESE ITEMS GET REMOVE IF NOT I WILL PROCEED WITH GETING MY LAWYER INVOLVED WITH THIS INCORRECT INFORMATION THAT YALL ARE 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 non-monetary relief
Consumer complaint received 2021-08-24
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
To Whom it may concern on XX/XX/XXXX my Coinbase account was hacked/locked and after numerous emails and phone calls to Coinbase customer Service I have gotten nowhere. 

I was advised by Coinbase to change my password but when attempting to do so the link to reset my password is not coming though to my email. 

For the past 10 days I have been locked out from my account and gotten nothing but Robo- responses from them I had close to XXXX dollars in my account when it was compromised by Coinbase XXXX 

I have had my account for a year or so and just 2 days prior to my account being hacked by Coinbase I had reset my password and access to my account. 

They have been non- responsive and offered no solution, I had saved up the money for my sons first car and now I am not able to purchase a vehicle for him as he will be turning XXXX in a couple of weeks. 

Please contact me if possible

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 see several 30 & 60-days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts below : XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX  XXXX Balance : {$12000.00}, XXXX  XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$11000.00}, XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$11000.00}

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 2021-08-24
Company: Better Mortgage, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Better.com on a refinancing my property XXXX XXXX XXXX XXXX, XXXX, GA XXXX where the going price per square foot for selling properties ranges for comparables between $ XXXX $ XXXX XXXX. 

Despite several attempts to dispute the clearly bias appraisers decision of placing my property at $ XXXX ft ( despite a full home renovation an upgrade ) they have placed excuse after excuse on how they can not provide a fair and accurate appraisal. There is clearly bias and descriminatory factors taking place. 

Appraiser was also 2 hours late while I sat there taking off work, spoke in person about how nice and updated the house was then in the report states it's in average or below condition for the area it's in ; however long standing citizens of this community who visited the home have stated it's one of the nicest in the neighborhood.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: Experian Information Solutions Inc.
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In 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 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 explanation
Consumer complaint received 2023-12-12
Company: Zip Co US Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've noticed that there was a debt with QuadPay under my name and I've never had them nor heard of them. I am a true victim of Identity theft. I've filed police reports as well. By provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX COMPLIANCE regulations, I demand that this above-mentioned account be permanently removed from my name. Thank you in advance for your WILLFUL rectification of the notated MIS-INFORMATION above indicated. Be advised I am NOT seeking a generic statement saying that these items are verified. I am requesting undeniable, irrefutable PROOF that the alleged accounts are verified and validated and accurate. I've filed a full police report for identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 am kindly requesting that you investigate and promptly take necessary action to remove the fraudulent accounts from my credit report. I urge you to ensure that they are permanently removed and do not resurface in the future.

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 2022-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$18000.00} This account is PAID off and should be removed from my credit report XXXX XXXX XXXX XXXX XX/XX/XXXX Amount : {$2300.00} This account is PAID off and should be removed from credit report. A payment arrangement was worked out and was paid off. 

XXXX XXXX XX/XX/XXXX XXXX Amount : {$1000.00} This account is PAID off and should be removed from credit report. This account was paid off in payments. 

XXXX XX/XX/XXXX XXXX AMOUNT : {$470.00} I did not charge on this card and reported it lost or stolen. It should be removed from credit report. 

XXXX XXXX XXXX {$800.00} THIS ACCOUNT HAS XXXX BALANCE AND IS PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AMOUNT : {$700.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX AMOUNT XXXX {$300.00} THIS ACCOUNT WAS REPORTED LOST OR STOLEN AND SHOULD BE REMOVED FROM MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} THIS ACCOUNT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. THIS ACCOUNT WAS PAID OFF IN XXXX. 

XXXX XXXX XXXX Amount : {$1900.00} This account Has been PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT. 

XXXX  XXXX Amount : {$1400.00} This account has been sold to a credit consumer agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX Amount : {$740.00} This account has been sold to a credit reporting agency account # XXXX has violated my rights. This is illegal. This must be removed from my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THIS ACCOUNT HAS BEEN PAID OFF AND NEEDS TO BE REMOVED FROM MY CREDIT REPORT. I PAID IT OFF THROUGH XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX WAS SOLD TO A CREDIT REPORTING AGENCY AND IT HAS BEEN PAID OFF AND SHOULD BE REMOVED FROM MY CREDIT REPORT AS THIS IS ILLEGAL AND A VIOLATION OF MY RIGHTS. 

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT THE LIST OF ACCOUNTS ABOVE HAS BEEN VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AND CONFIDENTIALITY UNDER 15 USC 1681.

15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT WRITTEN CONSENT.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There were several fraudulent accounts opened under my name. The criminals used the accounts and destroyed my credit. This is completely absurd that the credit reporting agencies are still reporting fraudulent activity on my credit file. I am going to sue them for this but first decided to reach out to you to see if you can make them do their job. Thanks.

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is 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 this account. I have no knowledge of this and all is being investigated 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. Please delete the account : 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 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$97.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXBalance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$690.00} XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$97.00} XXXX XXXX Balance : {$770.00} XXXX XXXX Balance : {$770.00} XXXX XX/XX/XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX , OH XXXX XXXX XXXX XXXX XXXXXXXX , OH XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$160.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$680.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$840.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$690.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX 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 2019-02-06
Company: Ocwen Financial Corporation
State: PA
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 submitted a loan modification last XX/XX/2018, during that time I paid my mortgage note on time each month until my modification was complete. Payments were taken and none were rejected. Until I applied for a second mortgage with another company I was denied due to multiple 120 day late payment reports on my current mortgage, which is incorrect. I have called the mortgage company, written letters to them as well as the XXXX  and the late payments have not been removed. I have proof from my financial institution that the payments were made and received by OCWEN however I was informed by a representative that there is nothing they can do and because the loan was in modification it does not matter that I made my payments and they were recorded they will not remove the late fees. I am being denied for loans and I must move and obtain another mortgage immediately. Please Help!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: EQUIFAX, INC.
State: AZ
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:
Issue 1- Mil star is reporting the same negative account to Equifax twice but, will two different sets of data.

Issue 2 - Both are wrong as this item was paid and the date of last activity is over 7 years.

Issue 3- Equifax is showing {$5900.00} charged off with a balance of {$5900.00} and a XX/XX/XXXX for date of last activity Issue 4- XXXX  is reporting a paid charge off with a date of XX/XX/XXXX. 

NOTE : XXXX XXXX fully removed the derogatory account as they should have because it reached 7 years of maturity

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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, XXXX, XXXX, XXXX, XXXX,, XXXX, XXXX,, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4600.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XX/XX/2021

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 2023-05-09
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-05-19
Company: EQUIFAX, INC.
State: PA
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 HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXXXX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Grant Mercantile Agency
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
debt is currently listed with Grant Mercantile Agency as of XX/XX/2017 for {$1500.00} on behalf of original creditor XXXX XXXX company. This is NOT my debt and they have nothing tp identify it as my debt. After repeated calls to both collections and original creditor asking for identification as proof of debt-neither company is able to provide that claiming that they do not habe it and do not need it. I have never been sick a day in my life and never used an ambulance or any other medical transportation in my life. This is NOT my account and I am asking that it be closed and removed from all of my credit reports. Next step will be to get attorney and ask for damages. This is not right to be charged for something I have never used. it is NOT my account. Either show me the identification used to obtain this account or remove it from my credit reports please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, 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 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED 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