BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-15
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am interested in processing disputes on my credit report to delete an remove all inaccurate information that is reporting on my credit report. all data listed is illegal an reported incorrectly. this has been an ongoing issue that needs to be resolved. ive listed all items In question to be removed. please review an delete all information listed to correct my credit report asap.

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 2023-06-02
Company: Experian Information Solutions Inc.
State: CA
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 already requested my XXXX  XXXX credit card be closed in good standing. They sent me an email which is confirmation about that request, but I did not see any update on my credit profile from all three bureaus. 
The account should be reported as closed in good standing ( never late ) : XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX NV  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 2022-08-31
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: Their investigation did not fix an error on your report

Complaint:
THIS CONCERNS MY FINANCIAL LIVELIHOOD, AS XXXX, XXXX, AND TRANSUNION ARE OUT OF COMPLIANCE WITH THE FEDERAL CARES ACT. 

IT IS EVIDENT FROM MY CREDIT HISTORY THAT I PAY ALL MY OBLIGATIONS ON TIME. SUDDENLY, IN THE MONTH OF XXXX, DEFAULT BEGAN DUE TO ILLNESS WITH XXXX. PLEASE SEE PROOF OF POSITIVE ILLNESS ATTACHED. UNFORTUNATELY, MY RECOVERY TOOK MONTHS, LEAVING ME OUT OF WORK FROM XX/XX/XXXX XX/XX/XXXX. 

THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XX/XX/XXXX, ACT AMENDS THE FAIR CREDIT REPORTING ACT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE COVID-19 CRISIS, ( SEE 15 U.S.C. 1681S-2 ( A ) ( 1 ) ( F ).

RATHER THAN WORKING WITH ME AND COMPLYING WITH THE RECENT FEDERAL LAW WHICH SPECIFICALLY SATES, THE FURNISHER MUST REPORT YOUR ACCOUNT AS CURRENT TO THE CREDIT REPORTING AGENCIES, SO LONG AS YOU WEREN'T ALREADY DELINQUENT ON PAYMENTS RADICAL AND HARSH DELINQUENT REPORTING BEGAN. SABOTAGING MY HARD WORK AND FINANCIAL STANDING IN THE BANKING/FINANCIAL COMMUNITY. 

I WOULD LIKE FOR ALL NEGATIVE MONTHS CURRENTLY REFLECTED ON MY CREDIT REPORT BY THIS INSTITUTION TO BE CORRECTED TO EACH OF THE THREE CREDIT REPORTING AGENCIES. EVERY NEGATIVE MONTH REPORTED SHOULD REFLECT * ( NO DATA ) * OR * ( ND ) * FOR EACH MONTH A PAYMENT UNDER THE CARES FCRA WAS UNACCOUNTED FOR, DUE TO JOB LOSS FROM MY BATTLE WITH XXXX WHICH NEARLY TOOK MY LIFE. 

I AM BACK IN THE GAME AND I AM ATTEMPTING TO REMEDY THE SITUATION AS I AM IN GOOD HEALTH AND NOW HAVE A STABLE EMPLOYMENT. DURING THE GLOBAL PANDEMIC, LIFE WAS UNCERTAIN, BUT I CAN NOW RETURN TO PREDICTABILITY AND FULFILLMENT OF MY OBLIGATIONS TO EACH FURNISHER/CREDITOR.

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 2022-09-15
Company: MOHELA
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:
Got a call from supposedly federal help from the President forgiving student loan debt. The caller had all my information and then proceeded to work out a payment agreement for the balance of {$2200.00} with the first five payments {$100.00} and the remaining {$9.00} over three years. I made the first one on XX/XX/XXXX, after this call I received an email from the MOHELA student loan office and where they could detect that suspicious call and today I called and they told me that the program has not started and in my case I would not have to pay nothing because my debt is less than 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 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. I! ve received emails and letters saying I! m using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-04-10
Company: Experian Information Solutions Inc.
State: NV
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 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 alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX XXXX XXXX XXXX Balance : {$410.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$8200.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$5000.00} ( Original Creditor : XXXX ) XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$770.00}

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 explanation
Consumer complaint received 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
Dispute attempted but Credit Agency ( Transunion ) still continues to report bankruptcy accounts incorrectly as ( late payments ) when accounts should only be listed/reported as regular accounts - for seven years from the date of bankruptcy coded as " discharged/included in bankruptcy/paid never late '' in the comments. 

Transunion has failed to produce payment history for these accounts to substantiate any late payments because there were none. Grouping bankruptcy accounts with late payments is not only inaccurate but outright wrong! Especially when no history of late payments exists. This has ruined my financial standing on top of the already endured scarlet letter I carry from the initial bankruptcy. 

According to the FCRA : Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

The information reflected on my credit report is not only incomplete and unverifiable but extremely inaccurate! I have NEVER missed a payment and was current on all accounts to the very day I filed for Chapter XXXX bankruptcy in XXXX of 2015. 

Failure to remove these accounts from the grouping of the late payment category is a direct violation of my rights under the FCRA as it is inaccurate, incomplete, and unverifiable. I served this country for 14 years to protect the rights of the American people and I XXXX sure did it to protect my own rights and freedoms. 

I will no longer sit and be trapped financially because of a credit agency 's incompetency and failure to comply with Federal regulations. There should be a separation and distinction between actual late payments with bankruptcy and those who only have a bankruptcy discharge.

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 2023-06-07
Company: Experian Information Solutions Inc.
State: SC
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 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 explanation
Consumer complaint received 2022-09-15
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:
Hi I am submitting this XXXX 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 three 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX old 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 2022-10-11
Company: Community Health Investment Company, LLC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been getting mail about a medical debt that is to be honest. XXXX. It says as of XX/XX/XXXX I owed XXXX dollars.. when I went to XXXX XXXX that day I was not helped AT ALL. They brought me to a room where I sat in a bed for XXXX to XXXX hours while everyone in there ignored me. Not a single person came into the room to help me. After a while a man came into the room and told us to leave. I don't know why we owe XXXX dollars when we did not receive any help that day. At all. And would appreciate it if I would stop getting bills for something that is complete XXXX. I was not looked at by anyone that day. And sat in a room BY MYSELF and then told to leave after I had been there for a while. My husband was with me and can vouche that I did not receive a single bit of help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-06
Company: ALLY FINANCIAL INC.
State: GA
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:
My vehicle was unrightfully repossessed in XX/XX/2023 less than 30 days after I made a payment. I was told that I had 3 months of non pay and that Ally had legal right to do so. I paid all monies due per the documentation and the verbal communication from Ally ; and the final amount was {$600.00} in excess of the repossession letter. My vehicle was released back to me a few days later. However, upon my request for the title to my vehicle, I was then told that I owed another amount of {$2900.00} as a final balance. This was never shared when in discussion to retrieve the vehicle. I specifically asked for the total balance owed to close out the account with Ally. I know this to be accurate because I was outraged that the vehicle was taken after I had just made a payment in XX/XX/2023. 

I have been calling for more than 90 days trying to dispute the amount that Ally claims is my final balance. In addition I began requesting details about the miscellaneous explanation of charges and the additional car note listed after I was told that I had no other car note owed. This is so unfortunate after 6 years and although my account was not up to date at times ; I am still a customer and I paid what was owed. I am asking for your help to right the wrongs of this company and force them to release my title.

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 2020-02-07
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:
On XXXX i sent transunion a letter to verify information on my report because it did not seem right. On XXXX They did remove about 2 accounts but they claimed the rest was verified so i asked how did they verify the information and what steps where tooken and on XXXX XXXX i told them " A template response will not be an acceptable response If you can not supply ALL of the above information in a timely manner as detailed in several laws, including but not limited to the Fair Credit Reporting Act, I must immediately demand the permanent removal of this item from my credit report. '' But they failed to provide me with that information. I really do regret having to exersise my rights. On XXXX they responded that they can not reinvestigate the items listen unless i have additional information to support my investigation because they " completed their dispute '' but i was told by the free lawyer guy that i can dispute more than just one time. So why is that i am denied of exercising my rights to dispute INACCURRATE INFORMATION. I am requesting removal of these accounts now or i will use these documents to support my claims.

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 2023-07-06
Company: Coinbase, Inc.
State: MS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I established an account with Coinbase several years ago and established their two-factor verification system in my cellphone. Later, when I upgraded to a new phone, the verification system stopped working and, since then, I have been locked out of my account. I have communicated with them numerous times and received detailed instructions about sending pictures of my ID and face but nothing has worked. I am completely locked out of my account and fear I have lost my investment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-31
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 fraud alerts or security freezes

Complaint:
On XX/XX/XXXX, I placed a security freeze through all 3 credit  reporting agencies. On XX/XX/XXXX, I attempted to permanently remove the security freeze, as I was attempting to apply for a mortgage. On XX/XX/XXXX, I requested my credit run by XXXX XXXX Bank ; however, they indicated that my credit was still frozen. I called back the credit agencies ( Transunion and XXXX ), and was informed that my credit was not frozen. I could not get in contact with anyone at XXXX ; however, received a digital confirmation that they received my request to have my credit unfrozen. On XX/XX/XXXX, I requested XXXX to re-run my credit ; however, was still informed it was frozen, despite assurances to the contrary from each agency. I called the XXXX agencies noted above, and again was told it was not frozen. I was unable to get any information from XXXX, as their website indicated that my credit was not frozen, and I could not request to unfreeze my credit. 

On XX/XX/XXXX, I requested that XXXX XXXX run my credit, and again was told that all 3 agencies indicated that my credit was still frozen. I will be writing a certified letter this evening, to be mailed tomorrow to each agency, again requesting it to be unfrozen.

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 2023-07-06
Company: LEXISNEXIS
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 2021-01-07
Company: ZIONS BANCORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
After conducting due diligence, we proceeded with booking a vacation rental in XXXX, North Carolina. Payment was issued via XXXX, utilizing our Amegy bank account. When we arrived by car from Texas just past XXXX XXXX., the key was where we were told it would be per the contract. Because of our late arrival, rather than call the owners to inquire about extra blankets and towels, we did so at XXXX XXXX the next morning and were told they knew nothing about us and we needed to vacate the property within one hour. Prior to doing so, we called the XXXX County Sheriff Department and a deputy came out and took our report. After subsequently providing the sheriff with documentation and research, suspicion against the owner and property manager were so high that within a few days the case was escalated to be handled by a special investigator and a case was being presented to the DA ( the status of which is not yet known as it is still an active case ). Amegy refuses to reimburse us the {$540.00} that was transferred from our checking account into what we had every reason to believe was a legitimate account because it was an authorized transaction.

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