BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022, to delete this inaccurate information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX Balance : {$5600.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX : {$0.00} XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # 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 may make any consumer report containing any of the following items of information any other adverse items of information other than records of convictions of crimes which antedates the report by more then seven years.

15 U.S.C 1681-2 ( A ) ( 1 ) A person shall not furnish any information 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 2020-03-13
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:
I have called each credit bureau 5 times to remove the fraud alert on my credit report and they havent done it. Its causing me to get denied for credit

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 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2023-12-12
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 just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-24
Company: World Acceptance Corporation
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I, XXXX XXXX XXXX, SSN # XXXX, told World Acceptance, which was originally Midwestern Loans, the XXXX XXXX 2011 loan they have under my name and negative on my credit report is not mine. I told them to send me a copy of original contract, so I can prove that the signature on the loan is not my signature and that the loan was not acquired by me and is fraudulent loan. They said XXXX XXXX has the original documents and I have to contact them to get what I need. XXXX XXXX and all three credit bureau 's said the only one that could have the loan removed from my credit report is the original creditor World Acceptance, again originally Midwestern Loans. The loan expires off my credit report in 10 months, but it is not my loan and I want it removed now, before I am forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
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 2023-12-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely resolved : TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
My laptop was stolen and my information was fraudulently used to open these accounts i never knew about

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 2021-04-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
To Whom It May Concern : My son, XXXX XXXX XXXX, invested {$150.00} in XXXX through a company called Coinbase. He had told me about this approximately two years ago. However, I never much thought about it. My son died XX/XX/XXXX, of XXXX and his fraternity brothers reminded of this investment. They found the app on his phone and since I had closed both his checking and savings accounts, they attached my checking account to the Coinbase account. When they tried to transfer the funds into my account, it didn't work. 

I contacted Coinbase by email and they responded on XX/XX/XXXX and told me the docs I'd need to upload and I uploaded everything successfully on XX/XX/XXXX. then I waited to hear from them and after four weeks I tried to contact them. Now, I thought it was strange that they didn't have a direct phone line, so on XX/XX/XXXX, I emailed them, only to discover that they had XXXX their direct email. I also emailed their customer support and got no response. I uploaded the docs again on XX/XX/XXXX, to https : XXXX. I told them I wanted my son 's money transferred by wire or they could issue a bank draft. No response. They have an address in XXXX XXXX, but I didn't write there as I thought it would be useless because they're not responding to me anymore. 

I contacted the XXXX. and XXXX XXXX XXXX suggested I contact your agency also. My son 's account appears to be open, eventhough it seems to fluctuate quite rapidly. I don't know what to think since I can get no response from Coinbase, but I'm very suspicious of this company. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$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 2022-03-22
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: Personal information incorrect

Complaint:
I've tried fixing this several times and TransUnion has not responded and has not fixed the issue and my personal information section. Which is mis-leading and its to much fraud stuff going on to have this wrong information on my file.

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 2020-03-13
Company: EQUIFAX, 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:
I have called each credit bureau 5 times to remove the fraud alert on my credit report and they havent done it. Its causing me to get denied for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: SANTANDER HOLDINGS USA, INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a used car at XXXX and financed it through Santander. In addition to the car I purchased XXXX XXXX ( XXXX XXXX warranty service ) and paid over {$1000.00}. When I returned the car and purchased a new one, I was told that the monies for the XXXX XXXX for my old car would be returned to Santander, but I paid it to Car XXXX. Santander was supposedly paid the money for my XXXX XXXX and would eventually be paid back to me. This is unacceptable and illegal. The money I paid to XXXX XXXX should be returned to me by XXXX XXXX and not sent to Santander. XXXX XXXX claims the money for XXXX XXXX was paid to Santander to make sure the original loan amount is paid off, but that is mixing apples to oranges. I was not able to walk out of the store without making sure the car loan was paid/satisfied. When that happened, all of my money, INCLUDING THE FUNDS PAID TO XXXX  XXXX FOR XXXX XXXX should have been settled. Sending the money owed to me by XXXX XXXX, to Santander, to see if I owed Santander money, when my loan to Santander was paid off is a frivolous waste of time and is illegal. It is simply a way for the XXXX companies together to mess with, hold up and deny the consumer their proper reimbursement. It has been a month since I traded my car in and have no information as to where my refund is. XXXX XXXX points to Santander and Santander points to XXXX XXXX. THIS IS ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I checked my credit report and found that some of the data were incorrect. Transunion is required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify this item ( A ). It is not permitted to report this item as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 

XXXX XXXX XXXX. XXXX Date Opened : XX/XX/2010 Balance : {$130000.00}

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 non-monetary relief
Consumer complaint received 2018-08-01
Company: Home Point Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my Home Point Financial account setup on automatic ACH and have plenty of money to pay my mortgage, Home Point Financial has internal issues and is not taking payment after repeated calls and me providing the ACH information again and again.

- XX/XX/XXXX no ACH payment deducted from my account - XX/XX/XXXX start getting letter demanding to payment - XX/XX/XXXX get a letter saying sorry our system had issues, we have rescinded bad credit notices from bureaus - XX/XX/XXXX start getting repeated automated calls from homepoint - XX/XX/XXXX talk to a person who says we need your ACH again, very odd call almost felt like a scam. Told me they would process the payments.

- XX/XX/XXXX no ACH payments for XX/XX/XXXX or XX/XX/XXXX - Get more threatening notices, if I don't respond by XX/XX/XXXX we will terminate your loan.

- Call in XX/XX/XXXX to say WTF is going on, the person responds oddly and says we need to move your mortgage do you agree. I continue to question them, they say the prior ACH request was done to early which is why it didn't go through. I very upset say I don't know what you guys are doing but this is all on your end and why are you sending letters, messing with my credit, and stressing me out for no reason. She promises me this time the ACH will go through and it did.

- XX/XX/XXXX I get an envelope with hardship letters, etc and they say please file by XX/XX/XXXX to save your mortgage. 

Avoid this company at all costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have already filed a complaint against this company ( XXXX ) but called again today after getting a secure message back ( after a XXXX month wait ) to be told that they still do not have an update on when they will process my PSLF forms. They state there is nothing that they can do, that they had over 2 million loans " dumped '' on them and they are doing the best they can but are understaffed and unable to do anything for me. They are rude and can not provide any information as to the status or estate time, I was told I would be transferred to a supervisor but was dumped into a survey and then disconnected.

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 2018-03-13
Company: Experian Information Solutions Inc.
State: FL
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:
XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX  Experian Re : Fraudulent Credit Inquiry To whom it may concern : Recently i received a copy of my credit report which showed Inquiries i didnt not authorize. I understand and aware that you should not put an inquiry on my file unless i have approved it. I have provided you with a police report and i am currently working with an investigator to stop the use of my name by someone who has stolen my identity. Please have the following inquiries removed off my credit file immediately because i did not authorized them and they are fraudulent. 

List fraudulent inquiries : XXXX XXXX, XXXX, XXXX Also be advised that The Fair Credit Reporting Act states that any information that is maintained under any individuals credit report must be accurate. This includes unauthorized inquiries. If your company refuses to investigate and respond to my request within 30 days from the receipt of this certified letter. I am prepared to file a lawsuit in small claims court. Also be aware that the return receipt signature of this certified letter is evidence of your receipt request. I sent this letter because i need your prompt response to this issue and i need written corespondent that your company is acting upon my request. If you find that i am remised and you do have my authorization to inquire into my credit report and then please send me proof likewise. 

Sincerely 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 2023-08-15
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance : {$35000.00}

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 2023-08-01
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: Information belongs to someone else

Complaint:
I urge you to promptly take action to remove the fraudulent accounts from my credit report, as they were not authorized by me and are causing significant distress.

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 2020-03-13
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have continuously received a debt collection letter from a company called IC System. This debt is supposedly for an overdue phone bill that I owe to XXXX XXXX. 

The issue here is that I, XXXX XXXX, have NEVER been a customer of XXXX XXXX in my life. I have never owned an account with them. So this is either a complete mistake or fraudulent collection notice. 

This collection notice resulted in a " hold '' on my credit report with XXXX, which resulted in my denial of a loan with my bank. 

On XX/XX/2020 I opened a dispute on this account with XXXX. The dispute was settled on XX/XX/2020. However, this item was not removed from my credit report. 

I then contacted XXXX XXXX on XX/XX/2020 to dispute the collection, and was told they could not help me. The woman that I spoke with said that I needed to contact IC System directly to dispute the collection. 

However, I have called IC System on three separate occasions, and was unable to reach a service representative. I waited for a rep to become available until I could no longer wait. Thus, I was never able to speak with anyone. 

It is for these reasons that I am filing this complaint. I want this false/fraudulent debt collection completely removed from my credit report altogether.

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