BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 I mailed dispute letters to XXXX XXXX and TransUnion and all three bureaus did not follow the rules meaning they did not provide me with investigation results within the 30 days that they were supposed to.

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 2022-04-26
Company: Experian Information Solutions Inc.
State: IL
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. 
XXXX XXXX XXXX XXXX, has violated my rights. 

LIST ALL ACCOUNTS HERE : XXXXXXXX XXXX XXXX XXXXXXXX XXXX. XXXX - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. DEPTEDXXXX  - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX. XXXX XXXX XXXX XXXX - XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 non-monetary relief
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Name and address is incorrect Information. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens March 27, 2023 281 SW 715,719 I presume that no proof of the alleged debt, in fact therefore exists.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
This is my numerous attempt to notify you that I am a victim of identity theft and I write to dispute certain items in my file resulting from the crime. The items I am disputing do not relate to any transactions obtaining any possession of goods, services, or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from alleged identity theft. 
XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$300.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX, 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 2021-08-08
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX a consumer in fact a natural person was reviewing my consumer report on XX/XX/2021. I noticed that Experian and other consumer reporting agencies are participating in fraudulent credit reporting activities by reporting inaccurate and unverified information to my consumer report without my XXXX XXXX written consent which is a violation of 15 usc 1681b. Also Experian and other consumer reporting agencies have breached my individual privacy which is a violation of 15 usc 1681a ( 4 ).

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 2021-08-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Foreclosure by Bank of America 2015. XXXX XXXX XXXX XXXX,. XXXX FL XXXX. 
XXXX XXXX XXXX They have failed to send a 1099-C to notify me. Since they didn't send me a 1099-C they have violated my rights because this charge off equates to a tax credit because they have charged it off means that they canceled this means that I love them I'm liable for the amount that has been canceled. They have not reflected the new balance they just weighed part of the fees they discounted the amount I owe by canceling that amount and agreeing to reduce the debt well if they have agreed to reduce the that it's not being reflected on my account I've asked them for a full comprehensive verification of account and they have not providing me with verification on the third collections practices at in the Fair Debt credit reporting at they are violating my rights and I want this taken care of.

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 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
A month ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please correct or remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-10
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: Information belongs to someone else

Complaint:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I never received a copy of my loan or paperwork from dealership. I called Westlake financial and ask for a copy to be mail to me several time. Westlake financial have me in a very bad deal thats I wasnt aware of I was told one thing about how the interest rate. But by checking on line when I pay my car note my payment my loan never went down I feel I.was taken advantage of with this deal I also put XXXX dollars down on my finance charges for my car and its cant be not applied to my loan because my loan would have went down more then it has. After adding all my payments that was made. i honestly believe I have been scam.. also I was supposed to have a military credit applied to my car with I dont know if i received because I dont have any paperwork. I contacted the dealership and the salesmans no longer work that.. who was in charge of my deal. Im a a dead end with this auto loan..

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 2022-03-22
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 have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have read enough to understand my rights. The Experian Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

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 2023-07-10
Company: EQUIFAX, INC.
State: CO
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Experian Information Solutions 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 XXXX T XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.

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 2021-12-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
To whom it may concern : I am referred to your office by SEC counsel office in regards to scam done by XXXX through Coinbase Wallet . 
I invested {$40000.00} to buy USDT ( XXXX ) using Coinbase app and Coinbase Wallet app that XXXX XXXX urged me. She also gave me the XXXX XXXXXXXX link ( XXXX ) run by XXXX who run XXXX XXXX In the beginning andd through XXXX XXXX my funds grew to XXXX USDT and XXXX told me that I was a lucky user picked to receive higher yield interest along with XXXX ( Ethereum ) from XX/XX/XXXX through XX/XX/XXXX by which XXXX would return all my funds back along with reward which never happened. They asked me to add 76000USDT in my Coinbase Wallet during what they called contract period to which I never agreed to pledge additional funds let alone to authorize XXXX to authorize taking money from my Coinbase Wallet XXXX On XX/XX/XXXX, I was shocked that all my XXXX USDT was taken without my consent. Furthermore, customer service at XXXX said all my USDT would be returned in XX/XX/XXXX which never happened. Customer Service at XXXX said I had to request to withdraw all my funds which I did and they would return all my funds within 24 hours which they never did. After requesting them to return my funds the Customer Service said I had to add XXXX USDT to Coinbase Wallet for me to unfreeze the funds which I refused since I have become suspicious. Finally XXXX customer service threatened to freeze my funds indefinitely. I have tried to contact Coinbase customer service but they said nothing they can do to help. I am not the only one who becomes victim of this scam. Please refer to the following link of other victims ; XXXX XXXX XXXXXXXX Even though I have reported the digital wallet that stole my USDT, Coinbase cant do anything. 
My Coinbase Wallet address : XXXX The wallet address that took my funds : XXXX I am hoping that you can help me and other victims to recover the funds due to the fact that Coinbase app is not secure at all and the scammer by XXXX who stole many Coinbase Wallet users. 
Thanks in advance for the opportunity to file this document to you. 

Respectfully yours XXXX XXXX XXXX AIA XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am sending my CFPB complaint to inform you that the XXXX credit bureaus condoning illegal behavior. The fact that I am still disputing the items until now. I strongly believe that these items doesnt belongs to me. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain a highest scores. Be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. The following items are inaccurate the are needs to delete in my credit file : XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX Balance Owed : {$1000.00} ; XXXX XXXX XXXX XXXX Owed : {$4400.00} ; XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX Balance XXXX : XXXX ; XXXX  XXXX XXXX Balance Owed XXXX {$4400.00}.

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 2023-08-12
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:
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: Closed with explanation
Consumer complaint received 2022-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
TransUnion has made false statements and has lied to me. They have alleged they investigated my dispute and " verified '' that the disputes were accurate twice. I did not dispute based on needing verification of debt. I laid out specific laws that Transunion and those companies have violated and for TransUnion to investigate based on those laws. In my discussion with TransUnion 's chat agent who submitted my dispute, after telling her why I disputed the accounts and the associated laws I was disputing those in accordance to, I verified with her to ensure my dispute was based on what I said and she stated that she submitted it as I disputed it. A few weeks later go by and I get a missed voicemail from Transunion Telling me that my dispute was complete and the items had been deleted and XXXX was corrected to XXXX. I confirm with another agent because my credit report did not change. This agent confirms that Transunion did not go by my original dispute but investigated on other terms and reasons Transunion had established. Transunion has now falsely stated that they verified information when I did not request verification and I was lied to by the original agent who submitted my dispute. I have reached out via email to complain about these misleading practices to their Vice President of Consumer Relations XXXX XXXX twice and never heard a response from her. The executive team has now relaunched a third investigation claiming that they could not see my supporting documents. This has hurt my credit worthiness and has damaged my potential to obtain sufficient and adequate housing. It is not okay for Transunion to be deceptive when it comes to Consumers disputing items especially when they are blatantly lying about what they are basing their investigation on. If a consumer submits specific reasons for disputing inaccuracies and error Transunion should not disregard those specific reasons and come up with their own.

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 2021-08-09
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I disputed a company by the name of " midland credit and XXXX  has not requested this company to prove the collection account is mine. I do not know who this company is. The amount is XXXX dollars, and I had to ask XXXX  twice to file a dispute. the first time I filed a dispute about this company the dispute number was XXXX, and when I called to check on the dispute they said they did not know what I was talking about. I filed another dispute XXXX, and they did not investigate, they just settled on non-information from this company " XXXX XXXX. I sent XXXX XXXX a dispute and they never sent me proof that the account was mine and the thirty days were up. And I disputed through XXXX  and they did not do a proper investigation. 

XXXX  will not disclose to me how this company ( XXXX XXXX  ) proved that this account is mine, I do not know who XXXX XXXX is. The other account is XXXX  XXXX XXXX  did not ask for them to send information that I owe that amount, the account number is XXXX, I do not owe this amount and I don't know who this is the company is, XXXX  does not request a proper proof. both disputes are under XXXX. When I called the associate, the XXXX  associate had trouble understanding XXXX and I tried my best to explain but the disputes are not properly being verified, and midland credit puts derogatory information on my credit report with XXXX  every other week.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Westlake Services, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I owe over {$7000.00} toward a Westlake company used for cars and another {$1000.00} for apartments i do not reside at. I noticed these inquires today XX/XX/2023 and it seems like someone has a hold of my account and I want these off my record. Ive called within XXXX and XXXX XXXX mentioned to navigate here and file a complaint.

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