BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-11
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX 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 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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
There is information that is on my consumer report that is indicating a debt that is inaccurate and claimed against me. I have noticed inaccurate addresses that I never used or received USPS mail from and daily harassing calls from XXXX XXXX and XXXX XXXX for a charged off debt that is nearing 7 years of being written as a loss from the original creditor.There is also a account I never opened and was seeking investigation as in that time ; I didnt open ANY accounts. I also show a late payment on another account in which I was never late and need assistance to dispute and remove so I can look forward to buying a new home. Your assistance would be greatly appreciated, as the rampant phone calls is affecting my productivity and functionality during my working hours.

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 2022-10-29
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my XXXX request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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
Consumer complaint received 2023-02-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Good Morning, this is XXXX XXXX, hope all is well. 
Last year in XX/XX/2022 someone with the name of XXXX contacted me through XXXX and he said he is a professional investor and he asked that I know anything about XXXX XXXX. He messaged me couple times and I didn't pay attention and then he showed me how I can make money easily with XXXX XXXX if I invest in this specific company which was " XXXX ''. He said I should try with little money then deposit it more in order to see more profit. I believed him, I signed up in XXXX, I desposited first {$100.00} then when couple thousands. And the graph was showing how my money was growing and then I desposited more through coinbase, XXXX XXXX XXXX XXXX. I deposited {$13000.00} and my money was showing that growing very well. My money reached up to {$75000.00} and when I asked the customer service that I want to withdraw they said I can not because I have to deposit more up to {$15000.00} and then I can withdraw. I started cmplaining and emailing but there was no luck. And then I noticed that XXXX XXXX was big scam and I trapped into. I have all the screenshots of scammer conversation and transactions from the beginning that I can provide. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: ONLINE Information Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I was notified that XXXX XXXX a utility out of XXXX, WI, had placed a {$2800.00} bill in my name ( via collections ). I have never had a WE Energies bill in my name. My father was placed in the hospital due to XXXX. During that time I was placed on his bill as an authorized person to make payments only. I spoke with XXXX XXXX and they stated it may have accidently placed in my name but the only way to fix it was to file a police report. I called with my father and he also spoke with them explaining the situation to them. They have now added his name to the collections bill ( as an additional account ) but did not remove my name. We sent in a copy of his lease showing the address to the account had always been in his name. The company is still refusing to remove the account from my name. The collections name is XXXX XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 am submitting this CFPB Complaint to request your assistance in correcting erroneous information on my credit file. There are accounts that belong to me but are reporting inaccurate status, which is misleading and adversely affecting my creditworthiness. I have reviewed my credit report and identified the specific accounts that require correction. Despite my attempts to resolve the matter with the credit bureaus and the creditors, the inaccurate information remains on my credit file. I need you to either correct my Credit File by updating and or removing the following accounts off of my Credit File : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$710.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed XXXX {$0.00} XXXX  XXXX XXXX Balance Owed : {$79.00} XXXX XXXX  XXXX Balance Owed : {$26.00} . I am requesting that you investigate the matter and take the necessary steps to correct the erroneous accounts 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 non-monetary relief
Consumer complaint received 2018-01-02
Company: Navient Solutions, LLC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am disputing the following account with XXXX XXXX/XXXX   account number XXXX this account was paid in full some how the update did not take place with XXXX Credit Reporting this account is reporting 180 day past due which is incorrect I am requesting this account be updated by removing this information from reporting I am in the process of buying a home this incorrect reporting is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions Inc.
State: OR
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:
If you feel there is a possibility these items belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$10000.00} XXXX XXXX XXXX Balance : {$5900.00} XXXXXXXX XXXX XXXXXXXX Balance : {$14000.00} XXXXXXXX XXXX XXXX XXXXXX/XX/2022

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 2023-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have sent Transunion numerous letters from XXXX Bankruptcy Court to remove Bankruptcy in eeror because the courts made a mistake of mistaken identity Transunion have received letters about the bankruptcy in my name that was wrong. Transunion never removed Bankrupts and didnt care to remove it i have called numerous times and was talk to very disrespectful

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 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 
XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA 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 2022-04-13
Company: AMA Advisors, LLC.
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The mortgage company, Homebridge Financial Services was the originator of the initial mortgage of my home in XXXX. In the interim, Homebridge sold the loan to XXXX XXXX. During Covid, my business decreased significantly which later resulted me to go into a forebearance program with my mortgage. In the summer of XXXX, the forebearance period ended which then meant that I had to resume mortgage payments. I then turned to Homebridge since they were the originators of my mortgage and applied to refinance my mortgage to lower my interest rate and term. The mortgage was a bank statement loan being that I am self employed. From XX/XX/XXXX to XX/XX/XXXX, the mortgage has yet to be approved. The original loan XXXX caught XXXX which then introduced his supervisor, the loan manager to oversee the file. It has been over 8 months that this loan application has been dragged and mislead. Every week, there's been a request to submit a document, pay down a credit card, but now once until last week did we hear that there are no longer unconventional loans being approved. I'm submitting this complaint of the deception that Homebridge Financial has engaged. Their promises that the loan was going to be approved was absolutely false. I was convinced that the loan manager was experienced and truthful so much that I didn't pursue other lenders. ( why would I pursue any other lenders since Homebridge already had my history ) For the last 8 months, I had to pay a high monthly mortgage payment of {$4400.00} that I couldn't afford thinking that this month would be the last. Homebridge was 99 % sure that the loan would be approved but it was never submitted to underwriting. This is why I know I was wrongfully advised and deceived. This week I approached 2 lenders and submitted my tax documents for them to review my file for a loan. They all told me that there's not been an unconventional loan program for some time. ( bank statement loan ). I'm frustrated and angry that the loan manager has NEVER mentioned that the underwriters never looked at my file and that that the unconventional programs have ceased. 8 months of wasted time and money down the drain!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrwctwd right away : XXXX XXXX XXXX Balance $ XXXX XXXX XXXX XXXXXXXX Balance : {$0.00}.

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 2020-03-29
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
To Whom It May Concern : I received a recent copy of my credit report, I am writing to let you know that you are reporting inaccurate, and incorrect addresses, and names on file with your company. 
Please delete this false and misleading information from my credit report immediately Please correct my only address to : XXXX XXXX XXXX. XXXX XXXX XXXX Please correct my only name to : XXXX XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my credit report. 
Please remove all the other addresses from my report, as they are not deliverable to by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. Thank you for your time and consideration. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 Account Name XXXX XXXX XXXX  ; Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX XXXXXXXXXXXX, Account Name : XXXX XXXXXXXX XXXX, Account Number:XXXX, Account Name : XXXX XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, Account Name : Bankruptcy XXXX XXXXXXXX, Account Number : XXXX, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX  Account Number : NONE, Account Name : XXXX XXXX, Account Number : XXXX, Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX XXXX, Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX. 

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

15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-29
Company: Cornerstone Holdings, Inc.
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was a medical debt that was suppose to be billed to Alaska XXXX, and the facility XXXX XXXX XXXX did not send so they sent directly to their collection agency, attached will be proof it is paid.

Company response to consumer: Closed with explanation