BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-09-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello My name is XXXX XXXX, I am a XXXX XXXX, and my son XXXX lives with me. XXXX has XXXX. We contacted Citizen 's bank about a mortgage on my home in XXXXXXXX XXXX. It sounded like a good idea but then we realized that if I die, in many years, XXXX could not continue the mortgage payments. XXXX only gets {$1400.00} from his XXXX payments and the mortgage was around {$2400.00} a month. We did get out of the mortgage before it closed, and we moved to XXXX XXXX  where it is cheaper to live. Even after I ended the mortgage, they still charged me {$880.00} in fees. I do not think that is right. I got out of the mortgage because there is no way my son XXXX could keep up the mortgage payments without my income. My late husband and I worked very hard all our lives to provide a home for our son. Citizen 's bank wanted to take advantage on my love for my home. Please look into their banking practices. 

Thank you XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
I am writing to request assistance in obtaining a response from Coinbase on the below matter. I have tried to contact them on my own without success. I feel defrauded and helpless after being unable to get ahold of anyone.

Comments on Coinbase Support : 1 ) When calling their phone number, every prompt selected results in a pre-recorded message followed by them disconnecting the call 2 ) When I emailed them, the representative did not acknowledge my message ( essentially the same as below ) and returned a comment how Coinbase does not charge a fee for cryptocurrency conversions. 

Cryptocurrency is extremely volatile I understand this. I have been playing with it for years and accept the large ups and extreme downs. However, upon looking back on a transaction that occurred on Coinbases platform, I feel that I may have been defrauded as a transaction took place well below the market prices during that day. While I approved the prompt on Coinbases mobile app to execute the transaction, I assumed it would be done at the market prices for both assets and did not recalculate their numbers for accuracy ( See attachment, from XX/XX/2019 for reference, showing prompt which does not clearly note exit price from one asset and entrance price in purchasing asset ).

Comments on Coinbase app : 1 ) They do not allow limit orders on their mobile app. I assumed that the market price executed would be the market price shown on their pages.

2 ) Per Coinbase support, We do not currently charge a fee for cryptocurrency conversions, where one kind of cryptocurrency is exchanged directly for a different kind of supported cryptocurrency.

3 ) Coinbase is registered as a XXXX XXXX XXXX with XXXX. This is a large factor in my reason for assuming their prompted conversion amounts were accurate and did not verify. 

Please see the attached XXXX prepared summarizing my recent Coinbase transactions. The transaction in question occurred on XX/XX/2019 at XXXX. Assets that were valued at {$2200.00} during the day were converted to {$1800.00} instantly. Based on my calculations, they exchanged my assets in a way that resulted in a 15 % fee in their favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX XXXX the account is not derogatory. I am current on all of my payments, credit bureaus report this account inaccurately and did not follow the FCRA standards when it comes to responding disputes.. CFPB step up and reverse the late payments reported on this account .. I am trying to apply for a house and this keeping me from moving forward on the 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 non-monetary relief
Consumer complaint received 2020-01-26
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have called repeatedly and sent two emails. I want the payoff figure so I can payoff this loan and be done with Ditech!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 appreciate your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-02-07
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX called me at my job from a Texas phone number but has a Florida address. They said I have owed payment on a 2015 Ace Cash Express loan, which I never took out. They also had the last four digits of my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
My complaint is against the Experian credit reporting agency. I tried to access my free annual credit report and they refused to give it to me, instead requiring me to provide a written request with documentation. When I provided my driver 's license as part of my ID, I blacked out my photograph and my driver 's license number because I am not required by federal consumer law to provide these items for a copy of my credit report. They rejected my request and said to resubmit my driver 's license. 

I tried to access my Experian file online but they demanded my phone number. I am not required by federal consumer law to provide my phone number for a copy of my credit report. I do not want my phone number on my credit report. 

I tried to call Experian but could not get through to anyone, the number was a pre-recorded message that only addressed credit fraud. 

I want the annual credit report I am entitled to by federal law without being harassed by this company for information they are not entitled to.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-06-20
Company: EQUIFAX, 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:
In accordance with Fair Credit Reporting Everything has to be 100 % accurate on my report The Credit Bureaus stated my account was properly investigated and verified, but how is that possible : EQUIFAX : 1. XXXX XXXX, if account open date is XX/XX/XXXX, the date last active XX/XX/XXXX. This clearly show accounts not accurate. This is ground for removal they violated my rights. 

2. XXXX XXXX, if account open date is XX/XX/XXXX, the date last active XX/XX/XXXX. This clearly show accounts not accurate. This is ground for removal they violated my rights. 



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

Also the Credit Bureaus took more 30 days to complete my investigations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be removed as soon as possible. 
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 2022-03-07
Company: Marlette Funding, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that your company absolve me of all charges on accoun # XXXX and that you take all appropriate steps to remove information about this account from my credit files immediately. Your company has been notified on numerous occasions that the above referenced account is a result of Identity Theft as well your company has received multiple FTC Identity Theft reports referencing acct # XXXX.The Notices your company received also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 

Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 

If your company, BEST EGG, fails to comply with federal regulations you will be required to appear in a court venue local to me, in order to formally defend yourself. I have already filed a complaint with the Consumer Finance Protection Bureau ( XXXX and the Attorney Generals office ( XXXX ). 
Failure to respond satisfactorily regarding this matter will force me to move forward with legal action against your company to the full extent of the law and I will sue for the maximum amount allowed in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Theft/Fraud 3. ) Violation of the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Experian Information Solutions Inc.
State: CT
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 XXXX # 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 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XX/XX/21 I go

t alerts from all 3 Transunion, XXXX, XXXX  I had a {$1000.00} CHARGE OFF and that is INCORRECT! It also damaged my credit reports ( plural ) and lowered my score that Ive been building back UP. This is LAST thing I need. This FALSE information as I am CURRENT and have not been late. No explanation other than an internal error. Insisted I get in writing they reported FALSE info.

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 2023-12-30
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Several times I've requested credit reports from Experian through XXXX They say there's a problem and give an address for mailing them a request. This is an impractical hurdle to getting the information, so I tried going through their website, experian.com. I successfully passed their security steps via text message, but when I followed the link they reported " Oops, we're sorry! We are experiencing technical difficulties. We have been notified and will actively work on fixing the issue. Please try again later. '' This has happened several times. Either Experian is deliberately putting roadblocks in the way of the free credit report or doing a very good imitation of that.

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 2023-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items. Thank you. 
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 2023-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 168Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also stated a consumer furnish an account without my written instructions. 
In accordance with the Fair Credit Reporting Act the following Creditors have violated my rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 HAVE INFORMED XXXX AND TRANSUNION THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THAT I HAVE NOT AUTHORIZED THESE INQURIES ON MY CREDIT REPORT. I HAV ESUBMITTED MY POLICE REPORT AND FTC REPORT SEVERAL TIMES. I WOULD LIKE THESE UNAUTHORZED INQURIES REMOVED FROM 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 2022-03-08
Company: EQUIFAX, INC.
State: LA
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 HAVE INFORMED EQUIFAX AND XXXX THAT I HAVE BEEN A VICTIM OF IDENTITY THEFT AND THAT I HAVE NOT AUTHORIZED THESE INQURIES ON MY CREDIT REPORT. I HAV ESUBMITTED MY POLICE REPORT AND FTC REPORT SEVERAL TIMES. I WOULD LIKE THESE UNAUTHORZED INQURIES REMOVED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation