BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-20
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/2023, Coinbase emailed me, informing me that my account was under review. 

On XX/XX/2023, Coinbase requested additional information about my account via email. I complied with the instructions and was informed that the review should be completed within a couple of days. 

By XX/XX/2023, I noticed my account was still under review when checking my account balance. After calling customer service, I received another email asking for more information. Having provided this, I was again told that the issue should be resolved in a couple of days. 

As of today, XX/XX/2023, my account remains under review. Reaching out to customer service once more, I was informed that there was nothing they could do and they could not provide a timeline for the review 's completion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting and XXXX Account Numbers have violated my rights The item XXXX XXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXX XXXX  ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXXXXXX XXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

The item XXXXXXXX XXXX XXXXXXXX ( account number XXXX ) is inaccurate because it is not my account. I am requesting that this item be removed. 

I am disputing the following inquiries which I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2022 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 Experian has not responded to my investigation request with in the past 30 days.

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 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with FCRA XXXX XXXX Partial account number furnished, has violated my rights. 15 USC 1681 I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can't furnish a account without my written instructions. 15USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2023-01-28
Company: EQUIFAX, INC.
State: LA
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 Background checks Child support Dmv

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a payoff on our mortgage with select portfolio services attorney, XXXX XXXX. I left a message with her on XX/XX/XXXX. She did not return my call for over a week. When she did finally return my call I requested a payoff letter. As of todays date, XX/XX/XXXX I have yet to receive that payoff. We have had our house on the market and had an offer and a contract on it. That contract fell through because we could not get a payoff from select portfolio services and the buyer cancelled. I have requested a payoff letter XXXX times. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. By phone and by email. They have cost us the sale of our home to avoid the foreclosure that is set to take place on XX/XX/XXXX. We are still in the process of trying to sell our home prior to the foreclosure date but without this payoff we can not. We are still in the process of trying to sell our home prior to the foreclosure date but without this payoff we can not sell as we dont have the payoff in writing. They are costing us a sale to avoid foreclosure. If we had the payoff in a good amount of time we could avoid the foreclosure. With the looming date less than XXXX days away it may be impossible to get a closing by XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Experian Information Solutions Inc.
State: FL
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 been disputing inaccurate information with experian, XXXX, and XXXX  over the last six months and yet the same errors appear on my credit report. every time i dispute these unverifiable accounts, i either get an " updated '' response and nothing changes. 

EXPERIAN DEPT OF EDUCATION is falsely reporting XXXX, 150 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX is reporting inaccurate personal information. delete this from my credit report. 

XXXX XXXX XXXX XXXX XXXX is reporting false late payments and missing payment history for the entire account. also reporting differently to experian. 

DEPT OF EDXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

XXXX XXXX XXXX XXXXs reporting inaccurate personal information and false payment history that's unverifiable. delete this from my credit report. 

XXXX XXXXXXXX XXXX XXXXXXXX is falsely reporting XXXX, 120 day late payments. please update to paid on time if they can not be verified especially if my previous months were on time. 

i have attached proof from www.annualcreditreport.com for further review.

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 2023-02-13
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: Was not notified of investigation status or results

Complaint:
Hi, My name is XXXX XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my credit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2023-02-02
Company: EQUIFAX, INC.
State: TN
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:
XX/XX/2022, XXXX XXXX, XX/XX/2022 I disputed a charge of medical bill from account XXXX TXXXX XXXX XXXX XXXXXXXX in the amount of {$3300.00}. The investigation can back as verified and I requested a method of verification. The method of verification was not provided to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10
Company: Complete Credit Solutions, Inc.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Debt or account is not mine, these people refuse to validate, call constantly threatening me and Ive never done any business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: SLM CORPORATION
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
I went to XXXX College in XXXX, ID in XX/XX/XXXX. I had two small kids and was desperate to earn an income. I applied to two schools and their programs were full for the fall. I went to XXXX on a whim to ask about dental hygiene and remember how pushy they were to get me in. They told me that they might have " one more spot '' left for the fall. They made it sound extremely exclusive and that this doesn't happen often. I didn't learn really what dental hygiene was just that it paid well and that their program was quick, I could be in an out in less than two years. They gave me a bunch of paperwork to fill out and I really felt like this must be quite an opportunity. I started class four weeks later. There were three too many students which caused nonstop issues the entire program. When I went in for financial counseling the total was {$26000.00}. That was charged for the first two semesters of the program at once. XX/XX/XXXX - XX/XX/XXXX. Everything was done extremely quickly and classes started quickly. 
Quickly I found out how XXXX of a school and program it was. All the general ed classes were easier than 7th grade science classes. The hygiene classes were fine but within weeks I realized how not right for me this was. We were given, verbally, a very short time ( XXXX weeks ) frame for a refund even though both semesters were charged at once. I was already broke and a young mother of two so there didn't seem to be any possibility of going back. I believe they used predatory practices to lure me into joining the program, charging both semesters at once, and giving very little information about what the program actually entailed. I didn't even know that hygienists gave shots until the third semester. They did make us sit through a few lectures on how easily it would be to get all of our schooling paid off by the government by working for low income organizations, but really there wasn't any way out after sign up. Most of my loans were through Sallie Mae and have large variable rates, I've worked to pay them down but every day I still am upset by this ridiculous situation. The rest of my loans and grants were through the federal government making it difficult to have other continuing ed paid for with grants that I actually was interested in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery company has a debit in my name. Never heard from this company.i would Like this removed from all 3 credit bureaus immediately. Its not my debit I do not owe them any money. I request that they remove this debit i

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

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 2018-07-18
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 ACCOUNT IS FRAUDULENT AND NEED TO BE REMOVED FROM MY CREDIT IMMEDIATELY XXXX XXXX Status Open Balance {$210.00} Type Unknown Payment Status 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 explanation
Consumer complaint received 2023-11-23
Company: FC HoldCo LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Ive contacted Flagship credit acceptance several times asking them to update my balance on my credit. They say its no way for me to speak to credit department I have to email them so I emailed them and got no response. I put in XXXX disputes with XXXX and they keep coming back saying information is accurate when its not. My car was totaled out and my balance was updated months ago. My balance hasnt been updated since XXXX on my credit 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 explanation
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  CO 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 2023-01-11
Company: EQUIFAX, INC.
State: FL
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:
This company has failed on multiple occasions in the past couple months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

This company has FAILED to investigate and validate this information and provide me with copies of documentation associated with these accounts bearing my signature showing that I gave ANY PERMISSIBLE PURPOSE to furnish any information on my behalf. 

I, XXXX XXXX XXXX, have gathered all this information for litigation to file lawsuits and seek jury trial on this matter against the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins and selling my information to third parties. 


Account Name : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$32000.00} Account Type : Charge Off Account # : XXXX Account Name : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Amount : {$0.00} Account Type : Charge Off, Deposit Related Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: Experian Information Solutions Inc.
State: FL
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 CHECKED THE DATA BREACH FROM XXXX AND MY NAME AND LAST XXXX WAS INCLUDED

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 2022-12-21
Company: EQUIFAX, 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 status incorrect

Complaint:
While looking at my credit reports I have noticed the following account had a discrepancy in the " payment history '' section of the listing ; Account Name : XXXX Account # XXXX Account Name : XXXXXXXX XXXX Account # XXXX Account Name : XXXX XXXXXXXX Account # XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Account Name : XXXX XXXX  XXXX Account XXXX XXXX This charged offs account are reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was reviewing my credit report and noticed several inquiries that I did not recognize and I will list them below for you XXXX XXXX XXXX XXXX Bank ) XXXX XXXX ( Bank ) XX/XX/2020 XX/XX/2020 XXXX XXXX XXXX  ( Finance ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( Auto ) XXXX XXXX XXXX XXXX Finance ) XXXX XXXX ( Auto ) XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/202XXXX 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 2023-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Fraudulent information being reported to my file and needs to be blocked.

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