BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: NC
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 made numerous attempts to resolve and or dispute these issues directly with the credit bureaus and the lenders reporting inaccurate and fraudulent accounts and each and every time I receive generic/automated responses stating the information and or accounts has been verified when asked to provide proof of this verification the lenders and respective credit bureaus are unable to provide me with any documentation as it relates to verification. I was the victim of identity theft, I have informed them of this and filed numerous FTC identity theft reports and provided copies to the bureaus and offered to provide copies to the lenders, the lenders refuse to accept them, and the credit bureaus tell me this is not sufficient which is why I have filed multiple as well as consistently seeing new items I do not recognize either in the form of inquiries or collection accounts. I have attempted to resolve this with the credit bureaus as well as directly with the creditors. This is my second time filing a complaint with the CFPB in regard to these issues. All of the entities mentioned have displayed willful and negligent noncompliance in removing these items

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-16
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2023-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
Recently I have noticed some incorrect information on my credit report. I have reached out to XXXX, Transunion, and XXXX for more information but sadly have not received any response at all. It has been more than 45 days since I originally wrote them.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting 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:
XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX. 

The following personal information is incorrect. 

XXXX XXXX.

Company response to consumer: In progress
Consumer complaint received 2020-07-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
Contacted XXXX XXXX XXXX numerous times concerning open installment loan. Showing on report paid in full on 1st auto ; FINANCED 2nd auto the same day. CFPB won a XXXX XXXX civil suit against XXXX XXXX parent company for inaccurate and non reporting. My main issue. Consumer wasn't told. They lied and said software update for 2 years. XXXX XXXX XXXX XXXX need credit to show open installment loan for past 5 years. They refuse to send info too credit bureau. Corporate or local branch. Tried to trade auto for 2 years. NO OPEN INSTALLMENT LOAN MAIN DENIAL. PLEASE HELP THANK YOU P.S. NO HELP DURING COVID ; KNOWING PRIOR ISSUE WITH NON REPORTING HINDRANCE TO MY CREDIT. THREATENING TO CHARGE OFF {$2100.00} AFTER I'VE PAID {$12000.00} AND PAID IN FULL FIRST VEHICLE THAT ENGINE DROPPED OUT OF AND I CONTINUED TO MAKE PAYMENTS UNTIL I FINANCED 2ND AUTO WITH THEM. LETTER SENT TO ME OF HOW GREAT OF A CUSTOMER I WAS. REALLY?!?

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 2023-02-21
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/XXXX I paid off a car loan of {$3700.00} acct XXXX that my deceased mother XXXX XXXX XXXX had with Huntington Bank. I was told that they would have it electorically released and I would be able to get title and tags after 5 business days. I went to the DMV and they told me that it was not released and that I should go to get a letter from Huntington. I went back to Huntington and spoke to a banker who informed me that she couldn't help me and that it could be 4 week or longer before this could be resolved. I explained that we use this car for work transportation and I needed to get tags which expired on XX/XX/XXXX. I insisted that she contact someone and she did. She ended the phone call and explained the same thing. There was no resolve. Huntington cashed the check took the amount the debt was paid in full and unlike other institution that I have experienced is not willing to release the assest in a timely manner. I did experience this with them and a release on a property at our church that they did not release a lien for serveral years and we did not know until we changed the property in XXXX. This appears to be a business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: Experian Information Solutions 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:
1. An Official Change-of-Address was submitted to USPS by an unknown person/entity. I am the only person in this household of 5 included in the fraudulent CHANGE OF ADDRESS REQUEST. My address has not changed in 27 years. The address change was initiated around XX/XX/XXXX. I can not be certain of the date because I am locked out of my online USPS account. I went to the Post Office on XX/XX/XXXX. The address change is sending my mail to XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. This address is rental property listed by XXXX. I called the Rental Agency : XXXX XXXX XXXX XXXX XXXX, to inquire about the above address. The residence is occupied at present so someone is getting my mail and packages. 
2. XX/XX/XXXX : USPS Informed Delivery showed a check from XXXX. I checked the box to indicate that the item was not received. Loss {$93.00} issued on XX/XX/XXXX. 
3. XX/XX/XXXX ( estimate ) USPS sent Official Change-of-Address Validation. I called to dispute the change. The Validation key printed on the notification to dispute this change of address was invalid. No resolution on the phone. 
4. As of XX/XX/XXXX, Losses of merchandise ordered online is between {$300.00} to {$700.00}. I have receipts 5. MOST IMPORTANT : I am trying to dispute fraud on my credit reports.

a ) The report ( s ) show at least 4 hard inquiries and 15+ soft inquiries. I did not apply for any credit or initiate any inquiries. 
b ) Experian credit report lists fraudulent addresses in my history including XXXXXXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. I can not get an Experian Rep on the phone to file a fraud claim. I tried to file a fraud claim on-line at Experian.com/fraud as directed by the automated phone menu since no live person was available to accept my call. The Experian site is sending verification messages to a bogus email address which I do not recognize and can not access. Who knows if the recipient can now change my username and password in Experian SINCE I CAN NOT GET ANYONE ON THE PHONE TO ASSIST WITH THIS FRAUD. I must wait until Monday when Experian resumes business hours. A lot of damage can be done in 48 hours. Thanks Experian. How can a primary credit reporting company not have 24/7 service to report 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 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 did not authorize these fraudulent inquiries.

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 2020-07-10
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
About 4 years ago I opened an account at Coinbase with several bank wires to them. I bought and traded Bitcoin with them with no problems till about 2 months ago. Up to that time I had not logged into my account for about 4 months. So it has been 6 months since I have been able to log in to my account. 

Anyway, about 2 months ago I entered my user name and password as usual, but this time it did not work. The website suggested I have my password reset, but that did not work as I never received an email to be able to do that. I just tried this same procedure and still no email with reset instructions. 

So they have a phone number to call for this type of problem but it is not maned by anyone. You simply can not reach a human being using their service number. The machine suggests to use their support page to get help with the matter, but that is also not working. All I ever get is fill out the form and we will help you, but then nothing. The only thing I get is a survey asking me if I got help. I say no and that is the end of their help. I have played that circle game of asking for help and getting none at least 10 times. 

I have apox 4 thousand invested in several cyroto currencies with them. 

I have gone on line to XXXX pages and found many people saying the same, they do not answer their phone, they do not provide any help what so ever on their support page. 

Will you please help me recover access to my account and funds. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This was not sent in error I am a consumer by law and it has come to my attention that Experian have been reporting my transactions with XXXX XXXX to the consumer report. This is illegal according to 15 U.S. Code 1681a. What happens when someone is late, their charged a late fee which is a transaction. So therefore, if transactions and experiences are not included on my consumer report then Experian why are you reporting late payments on my consumer 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 2022-02-26
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I keep having trouble with this lender, my track record of complaints with CFPB proves that. 

I thought we were on the same page once again, requesting my monthly payment be lowered, modification approved and monthly mortgage payment lowered, thank you. 

Please see the following : new modification first payment due XX/XX/XXXX of {$2200.00}. in which I paid attachments will prove that, XX/XX/XXXX payment scheduled of {$2200.00}. 
notation : I had 2 XXXX in XXXX of XXXX easily proven, loosing approximately {$3800.00} in rent from my XXXX XXXX, never ever did I let the lender know that as I paid my XX/XX/XXXX, it wasn't necessary. 
Now the lender is telling me that it wasn't applied at all because of an escrow advnce balance, that they refusing to tell me the breakdown, not in my contract, also if it is taxes and homeowners insurance I could have paid that seperately, besides that is included in my monthly mortgage payments, and extra funds that go in my escrow account. 
threats have been made and put me in default and I am not Before I meet my demise, I am turning at least 300 pages, to include emails to an attorney to move forward with this company. I certainly see how 3,000 plus complaints have been made on this lender. 

I have attached copies recently received. 

Thank 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 explanation
Consumer complaint received 2022-07-20
Company: EQUIFAX, INC.
State: PA
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:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 
The term " investigative consumer report ' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.

They did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 


The Credit bureaus stated my account XXXX XXXX was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 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 explanation
Consumer complaint received 2023-03-27
Company: EQUIFAX, INC.
State: MI
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/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative 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 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Experian Information Solutions Inc.
State: TN
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'm a natural person, I am a living being, I have rights under 15 USC 1681.or 15 U.S.C 1681 section 602 A. states I have the right to privacy. 



In accordance with the fair Credit Reporting act ) XXXX XXXX  3 Missed late payments Balance updated {$13000.00} XX/XX/, XXXXXXXX XXXX XXXX Missed late payment {$670.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX Missed late payment. {$580.00} Balance updated XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$7800.00} I owe them that's in collections they are not the original creditors. 



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.

15 U.S.C. 1666b A Creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late any reasons.

According to 15 USC 1681 : I have the right to privacy, and I did not give XXXX, XXXX, Experian, written permission to furnish these accounts. 



REMOVE OR THE LATE PAYMENTS OR DELETE THE ACCOUNTS.

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 2023-12-19
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX XXXX 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 response to consumer: In progress
Consumer complaint received 2022-02-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 requested that this company update my personal information multiple times and they refuse to do so. By reporting misinformation they are leaving me susceptible to identity theft. I would like my profile to be updated to show only my current address.

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 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 Transunion more than 21 times. transunion 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 daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-02-26
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I recently applied for an Apple card through Goldman Sachs Bank USA-based an invitation from XXXX. I submitted the information, a copy of the driver 's license. Over a period of 7 days, I received information that my identity could not be verified. So I resubmitted the information and again I got the message about my identity not being able to be verified. I contacted XXXX XXXX XXXX and they could not explain why such a statement about identity could not be verified. That is critical because I need to know why. XXXX XXXX XXXX communicated that it is related to the information that is reported by the credit agencies. I was told that they would escalate this and contact me to discuss their findings. As of today, XX/XX/2022, no one has contacted me from Goldman Sachs.

Company response to consumer: Closed with explanation