BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have asked Transunion several times to remove inquiries off my credit report. I did not make or authorize these  XXXX  inquiries. I would like these inquiries to be removed immediately.   XXXX     XXXX   XXXX  - XXXX -16   XXXX   XXXX    XXXX -16   XXXX   XXXX    XXXX -16   XXXX     XXXX -16  XXXX   XXXX -16

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 2021-09-29
Company: Allied Collection Services, Inc. (Nevada)
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021 I sent a letter to ALLIED COLLECTION SERVICES. requesting information on an alleged debt they say I owe them and I have not received any correspondence back in regards to that matter. Please help me resolve this issue.

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 2023-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Hey there! I originally saw a personal loan amount of XXXX $ from XXXX XXXX on my credit report in XXXX of last year. I have disputed non stop with all credit bureaus, called the loan company that has used my information fraudulently to open an account under my information. It had dragged my credit down from a XXXX to now a staggering XXXX. It is effecting my life and I have had to have my mother co-sign to finance my vehicle after my lease. The whole point of my lease was to build my credit. Oh well. I have disputed with all XXXX and identitytheft.gov, and through some research I have found yall. Whoever this person is has closed the account and now has apparently paid some of this loan off. Transunion also temporarily closed the account after my first dispute. My credit went from XXXX originally, to then a XXXX on the first drop. I noticed the fraudulent account, disputed and boom back to XXXX. I thought okay maybe transunion is helping me then next month or so huge drop to XXXX. XXXX points. Then XXXX, now XXXX. This is just a nightmare of an experience. The pics I provide will show the drops and whatnot.

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 2017-07-16
Company: Resurgent Capital Services L.P.
State: UT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Pinnacle LCC - Owner of the XXXX XXXX XXXX XXXX  ( XXXX ) XXXX and the house I rented a room in from XXXX XXXX to XXXX XXXX
The owner of the home I rented from Has posted a fraudulent collection entry on my credit report for {$600.00}.
He evicted me giving 3 days notice forcing me to sign an agreement to a 3 day eviction. This because I had been arested for XXXX XXXX and he said he read the police report. This did not take place at the rental property and this rich guy was trying to punish me for a the XXXX XXXX.
The owner of pinnicle LCC, and the manager at XXXX XXXX still owe me the remainder of the rent for XXXX after the XXXX XXXX eviction in addition to the {$350.00} deposit. {$500.00}.
This is insult added to keeping my rent and deposit money. Clearly, this guy has it out for me and he 's taking the time to violate me because of the XXXX. He 's writing on me credit report what about what he ows me to cause me more distress while taking a tax write off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of Experian,  XXXX  and   XXXX   XXXX  .
<P/>
As of today,  XXXX   XXXX , 2017, I have not received a copy of my credit report from any of them this year.
<P/>
I am applying for a mortgage and must get copies of my credit reports.
<P/>
Please force each of these credit agencies to send me a copy of my credit report without further delay.

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 2023-12-08
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting 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 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 accounts 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 accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-11-04
Company: MOHELA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My Loans are currently with Mohela. I contacted Mohela to discuss the best options for my loans. I have loans from previous education that are already on the XXXX program. I have recently finished my XXXX and had questions about those loans. I contacted them on XX/XX/XXXX and asked about the XXXX waiver and was advised that that would not apply to my loans. I was then told that I could consolidate my new loans with my old loan but that I had until XX/XX/XXXX. I was never advised that doing so would merge the loans and apply the previous payments to all of the loans. I then asked about the XXXX  XXXX XXXX forgiveness and was advised that they didn't handle that. I contacted the XXXX loan forgiveness and they explained to me that they work with my loan provider to make payments towards the loans. So on XX/XX/XXXX I called back and was advised that my wait time would be XXXX mins and I was unable to wait on the call. I called back again on XX/XX/XXXX and was on hold for 22 minutes and was unable to reach anyone before I had to hang up. I called back on XX/XX/XXXX and spoke to someone who advised me that had i consolidated that waiver would have benefitted my loans but was now too late to apply. I waited 2 hours to speak with a supervisor and then had to hang up. I called back and again waited 2 more hours before i spoke with a supervisor. The supervisor agreed that in the call on XX/XX/XXXX consolidation was mentioned but that at no point was I advised that the waiver would be of benefit my loans despite me specifically stating that I wanted advise. The Mohela supervisor has denied responsibility for me not appropriately being advised in relation to how the XXXX waiver would have benefited me. The supervisor stated that the phone call was recorded in XX/XX/XXXX but had refused to allow me to listen or provide a transcript of that call. She has stated that she is refusing to submit a request for late consideration or offering a way to reconcile the situation. Can you please review Mohela 's mishandling of the situation which resulted in me not benefiting from the XXXX waiver despite my inquiries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Early this year I completed and mailed in the form on the CFPBs website requesting a free copy of my credit report from each of  XXXX ,  XXXX  and Trans Union.
<P/>
As of today,   XXXX    XXXX , 2017, I have not received a copy of my credit report from any of them this year.
<P/>
I am applying for a mortgage and must get copies of my credit reports.
<P/>
Please force each of these credit agencies to send me a copy of my credit report without further delay.

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 2021-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 the consumer contacted transunion a supervisor to be exact. I demanded deletions of all accounts and inquiries to be removed and unfurnished from my consumer report. He went on to say he can on dispute such matter I stated under the fcra federal law 15 usc 1681 ( 4 ) THIER IS A NEED TO INSURE THAT A CONSUMER REPORTING AGENCIES EXERCISE THERE GRAVE RESPONSIBILITY WITH FAIRNESS inpartiality and respect for the consumers right to privacy. And transunion reporting my personal information is invading my privacy. Then went on to say 15 usc 1681 b ( 2 ) IN ACCORDANCE WITH THE WRITTEN INSTRUCTIONS OF THE CONSUMER TO WHICH IT RELATES. I TOLD YOUR SUPERVISOR I HAVE NOT GIVEN ANY WRITTEN INSTRUCTION TO YOU GUYS TO REPORT ANYTHING ON MY BEHALF. he said we do have the right because another party reported it. So with another party given you my information you just accept alleged debts on my behalf with out my written concent. He said yes its a automated system. We have no power to delete. But you guys have the power to furnish anything with out my concent? He could not give me one law that says they have the power to furnish with out me saying so I had given him plenty of written instruction as a consumer to have these accounts deleted he said I have to talk with the collectors about such matter. If a third party tells you anything about a alleged debts its your guys job to report to me on such concern to validate any alleged debt but instead you guys just accept and furnish anything you guys want and go against federal law. Once again its my consumer report you have to report to me on my behalf before furnishing alleged debts. You guys need to be responsible for all these individual actions I have the recorded call its about 36 minutes long I have copied a snippet of the conversation for a exhibit as proof you guys have violated my consumer rights. ( NO CONCENT IS IDENTITY THEFT ) I can provide the full record call if need to be.

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 2021-09-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have submitted my disputes to the 3 major credit bureaus but there has been no proof of complete, timely and accurate reporting according to E-Oscar and Metro 2 Compliance. Data Furnisher is in Violation of FCBA 15 US Code SS 1666 and the FCRA. I was never notified about these inaccurate reporting accounts on my credit report. Data furnisher is in violation for not doing an investigation and not responding to billing disputes as well as requiring prompt crediting of refunds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have been locked out of my account with Coinbase since XX/XX/23. Initially I reported to them that I thought my account had been compromised, however it was later concluded this was incorrect. Since then Coinbase has refused access back to my account despite providing them with all necessary documentation to prove Identity. I have reached out to them a few times a week since then to no avail ; just received generic auto responses with no help. It seems at this point theyre just planning to keep my money which is XXXX of dollars. This is unacceptable and they shouldnt be able to get away with it!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: NM
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 response to consumer: In progress
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 asked the credit bureaus to do an in depth investigation of my credit report. I never received a response for this request. I only received two letters from TransUnion applauding me for taking charge of my credit. Ive attempted disputing formally and via electronically but my report did not change after each attempt. I was giving this option after representative from XXXX saw I was not getting anyway after several attempts. I still found several inaccuracies after each fail attempt. 

XXXX : Account number : XXXX, you did not remove the past due from this account and therefore, it must be removed. 

XXXX : Account number : XXXX, you did not remove the late payments XXXX : Account number XXXX Last activity inaccurate XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX not reported XXXX XXXX : Account number : XXXX, missing notice of dispute. Reporting after account was closed XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX delete due to inaccuracy XXXX XXXX : Account number : XXXX, this account Last activity date XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX please delete due to inaccuracies. 

XXXX XXXX : Account number : XXXX, activity dates XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX CARD : Account number : XXXX, last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove for inaccuracy - years of payment history reported after account was closed and the date of last activity changed without any activity occurring - XX/XX/XXXX on XXXX, XX/XX/XXXX on XXXX XX/XX/XXXX. 

XXXX : Account number : XXXX, remove for inaccuracy XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX : Account number : XXXX, remove this for inaccuracy because the date of last payment is reported differently on all XXXX bureaus : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. 

XXXX XXXX XXXX : Account number : XXXX, XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX Account number XXXX Discrepancy an account status XXXX status Open XXXX Closed last XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Not reported to all credit bureaus only XXXX In accordance with the Fair Credit Reporting act XXXXt Acct # XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX has violated my rights XXXX 
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.

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 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Bank of Americas privacy notices appear to be a financial service as mentioned in section 1016.3 ( m ) ( 3 ) of Title 12 of the Code of Federal Regulations ( CFR ) which states that a financial service includes your evaluation or brokerage of information that you collect in connection with a request or an application from a consumer for a financial product or service. The term financial product or service is defined in 12 CFR 1016.3 ( m ) ( 1 ) as any product or service that a financial holding company could offer by engaging in an activity that is financial in nature or incidental to such a financial activity under section 4 ( k ) of the Bank Holding Company Act of XXXX  ( 12 U.S.C. 1843 ( k ) ). It would appear that Bank of America, according to section 1843 ( k ) ( 4 ) ( C ) of Title 12 of the United States Code ( USC ), is engaged in an activity that is considered to be financial in nature as it appears to provide financial, investment, and economic advisory services.

Also, it appears that all banks do is give credit in exchange for information - an applicant generally submits information on an application, then the bank either accepts the application based on the information it gathers from the application and other sources and then gives credit, or the bank rejects the application. 12 CFR 202.6 is evidence of this because it states, in relevant part, the following : ( 6 ) Credit history. To the extent that a creditor considers credit history in evaluating the creditworthiness of similarly qualified applicants for a similar type and amount of credit, in evaluating an applicant 's creditworthiness a creditor shall consider : ( ii ) On the applicant 's request, any information the applicant may present that tends to indicate the credit history being considered by the creditor does not accurately reflect the applicant 's creditworthiness ; and. Hence the existence of the privacy notices/polices of all of these financial institutions.

I see no reason to have to lead a less-than-luxurious life since this appears to be the case and, seeing as I currently have no food ( Im literally regularly stealing food to eat ), I have no lights on, etc., so something has to shake.

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 2023-02-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have disputed this bankruptcy with each bureau which has used some type of excuse or explanation to go around removing this inaccurate information from my credit report, disregarding the fact that I documentation from the Bankruptcy Court stating they didnt verify this court record with any third party. 
My letter of verification comes from the court directly listed. 
Your information is coming from a third party and not the actual court listed. No re investigation is needed due to you fail to provide accurate information from the source listed in the last 30days. 


Also there is no way I can be a resident residing at XXXX XXXX in XXXX, Tn you stated as verified in XXXX XXXX and filing a bankruptcy in XXXX, Tn in XXXX XXXX .you must be a resident of the city. so your information is mismatched .my last 4 of ssn could be the same of a similar individual because you did not use my full social as you stated. 
Please stop stalling to remove this bankruptcy before attorney XXXX XXXX is notified to file a lawsuit against all credit bureaus and third parties for listing information the court states on letterhead they have not verified

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