BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 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 2023-08-30
Company: EQUIFAX, INC.
State: VA
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:
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 ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-09
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section XXXX ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have got into the hands 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 non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
You have been reporting these accounts wrong for months now!!! To ensure your vigilance of compliance, the following accounts are reporting wrong even to the comments. I do not have these account numbers in my file. They are erroneous. How are you reporting this information wrong??? According to Compliance protocol you MUST delete immediately : NOTE : This is not for you to correct and not remove. Ive disputed this numerous times. You are mandated to remove these erroneous accounts!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, 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:
Re : This serves as my official notification to you, or any company ( ies ), concerned that I here now quarrel versus the reportability of your claim ( s ) until it's definite that privilege to report was executed adequately and in a validated and chronicled testimonially compliant manner, even to the mandates in accordance with the CDIA required XXXX described Metro 2 data-filled field formatted reporting standards, of which there can be no deviation for retaining of that aforementioned assumed privilege to report any claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Sallie Mae calls a minimum of XXXX times a day. Using different phone numbers leaving multiple voicemails in a day. In the span of this past week they have called a total of XXXX times. I have blocked over XXXX different numbers used to excessively call me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
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 am writing to file a formal complaint regarding inaccurate information on my credit report, which I reported to TransUnion on XX/XX/XXXX. Regrettably, TransUnion has not responded to my inquiry, and the following discrepancies remain unresolved. I kindly request your assistance in addressing these issues and ensuring compliance with federal law. 
The inaccurate information on my credit report pertains to the following accounts : XXXX XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$6300.00} XXXX XXXX XXXX Opened : XXXX. XXXX, XXXX Balance : {$3600.00} For each of these accounts, I dispute the accuracy of the reported information and request the necessary corrections to be made on my credit report. The details of each account are as follows : XXXX XXXX XXXX XXXX : TransUnion erroneously reports that this account was late. However, I have never been late on any payments for this account. I request that TransUnion corrects or updates this inaccurate information on my credit report accordingly. 
XXXX XXXX XXXX : This account does not belong to me, and I have no association with XXXX XXXX XXXX. Therefore, I request that TransUnion removes this account from my credit report, as it is inaccurately listed.

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 2019-11-24
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:
Previously I contacted TransUnion and sent supportive documents Including the police report of Identity Theft. Information is still reporting incorrectly. 
Such information can result in issues with my XXXX  and private contracts

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 2018-05-01
Company: ERC
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:
COLLECTION COMPANY 'S ERC XXXX XXXX XXXX, FLORIDA XXXX XXXX. 
ORIGINAL CREDITOR : XXXX XXXX XXXX XXXX XXXX {$810.00} DATE ACCT OPENED XX/XX/XXXX REPORTED AS OPENED XX/XX/XXXX ON CREDIT REPORT. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ORIGINAL CREDITORS XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} XXXX XXXX OPENED XX/XX/XXXX {$700.00} XXXX XXXX XXXX OPENED XX/XX/XXXX {$430.00} REPORTED AS OPENED XX/XX/XXXX AND XX/XX/XXXX ON XXXX, XXXX XXXX. 
I have filed dispute on this accounts for a couple of years but because the collection agencies keep passing to other collection agencies I have to start the whole process over and never seem to get it resolved. I have contacted both of this and explained how I have been disputing the collections they have with previous collection companies but they pass it to other collection agencies so I have to start the process over and want answers as to why they are reporting to credit agencies with wrong date of collection when the original date is showing as the date they received account not when account was opened, I also asked if they had a surety bond with the state of Texa as third party collection agency must have a XXXX surety bond in Texas, ERC collector nor supervisor didn t know what I was talking about. I then went onto explain that I have been trying to resolve this collections due to having my purse stolen in XX/XX/XXXX and have been having issues but because they are illegally reporting with incorrect dates causing me to get this off my credit report for the past 6yrs. Due to this collection companies reporting incorrect dates I have not been able to proceed in purchasing a home because of there incorrect reporting is affecting my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I applied for a bank account and was denied with the reason I am in chexsystems. I had no idea i owed a balance as I reported fraud on the bank account. Bank of america is incorrectly reporting an account balance of {$290.00}. BofA is known for fraud and my account was attacked.

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 2023-08-30
Company: EQUIFAX, INC.
State: PA
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:
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 some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code XXXX Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: CITIBANK, N.A.
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:
Macys Credit was a fraud account. Along with others and student loans. I called all companies to advise. Macys is the only one who says they can do nothing about it. This account thats fraud i could not even verify until we went through a process. Now that they have updated my info they keep saying it verified as me. The obvious would be if someone used my info and they updated it to my current info. Of course its going to verify back to me.

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 2022-06-17
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: Personal information incorrect

Complaint:
On XXXX XXXX/2022 this issued was removed from my credit by XXXX XXXX the remarks were removed after a dispute was filed with Equifax .After calling to discuss a account that was fraudulently being connected to my SS #. The old remarks were once again attacking my score and causing it to drop 31 points. I find this very alarming to think that they could falsely attack a persons credit score by using such tactic. The address they have are wrong and don't match with the dates of residents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I received a gift card from a student for XXXX from TD bank Because I didnt use the card until now the funds have been depleted for inactivity, although there is an expiration date of XX/XX/XXXX I wanted to know if this is legal since I did receive other cards from other banks at the same time and have been able to use them And if it is legal, it is certainly not fair. 
I hope that you can help me in this matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: OK
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:
A month ago, I sent the three credit bureaus a letter asking 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 mentioned in my previous COMPLAINT #, and I included it again. Kindly delete the following items. Thank you. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: AES/PHEAA
State: TX
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:
I attended XXXX XXXX XXXX  from XXXX. My son, XXXX XXXX attended XXXX XXXX from XXXX. He was offered a XXXX scholarship to attend. In XXXX, I made a direct payment for the cost of the additional amount due after the Scholarship and grants were applied. In XXXX, I agreed to accept responsibility for a parent plus loan in the amount {$8200.00} after the Scholarship and grants were applied. In XXXX, XXXX was living off campus, no longer in the dormitory or on the meal plan and the Scholarship and grants were applied. In XXXX, my husband offered his GI Bill Benefits for the remainder of XXXX 's educational tenure and therefore, all expenses in excess of the Scholarship and grants were paid for by the VA program. I can see where several loans are listed more than once and then all rolled into a consolidation loan. Since XXXX, I have called and written countless times to the XXXX XXXX and had discussions with FSA and Fedloan Servicing. I have just spoken to XXXX XXXX at XXXX XXXX XXXX  in the financial aid office. She confirmed that the loans I have received for my education and the parent plus loan for my son total about {$40000.00}. She is unable to see the same amounts that the Fedloan website indicates. She also said their office is required by law to submit all documentation loan agreements charged against me. I have asked their office in the past for these and was instructed to contact the university. The debt charged against me is over {$160000.00} with interest at this point. I am giving this XXXX last effort to resolve the amount I owe in Parent Plus Student Loans before seeking legal advice and taking action against FedLoan Servicing for fraudulent student aid practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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: Other problem getting your report or credit score

Complaint:
As per usual, pulling the credit report to which I'm ENTITLED BY LAW to receive a copy of my report. Every time I attempt this thru one of the " big three '' CRAs, I hit a roadblock. 

This has to be my third or fourth complaint about TU. Given that I've been unsuccessful EVERY TIME I attempt to pull a CR, I'm beginning to wonder if there's a system in place to deny these reports.

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 2023-08-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX XXXX XXXX, XXXX. XXXXXXXX XXXX XXXXXXXX XXXX, and XXXX XXXXXXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the creditor 's customer service representative.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: AES/PHEAA
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have about 11 accounts XXXX with 3 late payments on each for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I  called and deferred these loans several times, and was told each time that the late payments would be deleted since they were deferred. On top of that, they referenced a form they would mail in regards to this, but was never received. Now I have 3 late payments across 11 or so different loans and it has significant damaged my credit, all because XXXX XXXX did not due as they stated through phone conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Coinbase.com has closed account without reason and locked funds.

I have an account in good standing but Coinbase decided to close it and lock my funds. Several thousand dollars. I know it was silly to trust Coinbase in the first place with a large sum of money. Every time I contact support about the issue I am fed the same auto response. This has gone on for months now and I am not sure where to complain to about this shady company.

Thanks for reaching out. Having investigated the issue, I am working with a specialist to address it properly. We will follow-up with you as soon as we have an update.

Please let me know if the matter develops further as we investigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: GA
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:
This is my 7th 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 an alleged fraud or extortion. 
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

Company response to consumer: Closed with explanation