BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX XXXXXXXX Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX XXXX I disputed alleged debt on XX/XX/XXXX Certified Mail Receipt- XXXX XXXX XXXX XXXX XXXX XXXX and it was delivered to XXXX XXXX XXXX XXXX on XX/XX/XXXX. I attached such exhibit below. XXXX XXXX XXXX XXXX XXXX I requested specific information according to 12CFR 1006.34c and I have attached the document below to show specifically what I requested and their response to my previous claim did not legally comply and this account needs to be deleted from my consumer report. XXXX XXXX XXXX, XXXX has only provided me with statements and transactions from XXXX  XXXX which is not what I requested in regards to Complaint ID : XXXX nor in my letter. They did not address the fact that my private information has been shared with out my consent and violated the FDCPA 12 CFR 1006.30A. 

The notice is to inform that XXXX XXXX XXXX XXXX have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/XXXX, You XXXX XXXX XXXX, XXXX have violated the FDCPA 12 CFR 1006.30A and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this inaccurate alleged Debt immediately. I refuse to pay this alleged debt. 

This account does not comply with Metro 2 Compliance Standards.

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 2023-05-16
Company: Kikoff 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: Reporting company used your report improperly

Complaint:
In accordance with Fair Credit Reporting Act XXXX Account has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
To XXXX XXXX Transunion : The Fair Credit Reporting Act ( FCRA ) allows me to dispute any information on my credit report that I believe is inaccurate. This law requires all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting on do not meet federal or state requirements for reporting and can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said. You are required to maintain and report data with complete accuracy and compliance. You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2XXXX  so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. The listed claims appear to be inaccurate. Please provide accurate and verified information for each claim, as the allegations are not true or I'll delete them immediately if that is indeed the case!

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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
According to USC 1681s-2 ( a ) 1 ( B ) A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer that specific information is inaccurate and ( ii ) the information is in fact inaccurate. 
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 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2023 I sent disputes to all three major credit bureaus due to unauthorized or fraudulent inquiries on my credit reports. The bureaus did not remove the inquiries at all.

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 2021-08-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
After contacting USAA and being told by their automated phone system that it would be a " 2 hour wait before I could reach someone in the fraud detection department '' : I decided that a complaint needed to be filed. When a bank does not take fraud seriously enough to have immediate representatives ready to help - something is amiss. On my account, I have XXXX repeated transactions from XXXX XXXX XXXX in XXXX, Wisconsin. Their payment transaction software has a glitch of some sort such that I was charged 13 times for an order that never actually " went thru ''.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I mobile deposited a {$4200.00} IRS check into my account 3 weeks ago and have not received the funds into my account. I have reached out to kabbage 3 times so far and the funds have yet to be available nor a specific timeline of a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
According to the Fair credit reporting Section 609 ( a ) ( 1 ) ( A ). You are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the account listed below Your failure to positively verify this account has hurt my ability to obtain credit Under the FCRA, unverified accounts must be removed, if you are unable to provide me a copy of verifiable proof, you must remove the account listed below 1 ) account name : XXXX. XXXX XXXX 2 ) account # : 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 2022-11-27
Company: Experian Information Solutions Inc.
State: UT
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:
All 3 credit bureaus and XXXX XXXX  are reporting inaccurate information on this account as follows : 1. Last reported date is inaccurate. The account was closed in XXXX by me. 

2. Date last active is also inaccurate due to the last payment made and account closure request by me in XXXX. 

3. All 3 bureaus are showing payment history well into XXXX that did not exist after 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 2023-06-11
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I have spoken to each company and fraud department and the Police department!!! 
Yet they agree with me and state they will remove the accounts from my credit report!!!! 
Yet they return and update with the same errors and inaccuracies!!!! 
The Police Report should be more than enough for all the companies on my credit report playing these games charging off, selling private information about me over and over and over again and again Long term chaos!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: EQUIFAX, INC.
State: IL
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 was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, IL XXXX 2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Delete this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-02
Company: Experian Information Solutions Inc.
State: PA
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:
In my previous complaint submitted via CFPB XXXX XXXX FAILED to provide proof that this account was open by me. 

XXXX  failed to verify employment, PHOTO ID &, etc. 

I asked XXXX to provide me documentation such as a pay stub or photo ID, I am still waiting 2 years later. 


XXXX also violated consumer protection laws by exposing subprime consumer such as me to unnecessarily high levels of risk and knowingly placing me in a auto loan with a high probability of default. 

XXXX did not verify employment or verify it was actually me getting the loan. XXXX requested no paperwork such as, bank statement, paystub, or anything to verify I could pay for this loan. Please bring a settlement upon XXXX financial I was a victim of subprime lending. XXXX has not sent me the original indebtedness in its original form. 

I am asking XXXX XXXX to provide me proof I actually open this account. Please send me a copy of my paystub ( I am sure XXXX can not provide me with a copy of any pay stub with my name on it because I haven't had a job in 10 years ). XXXX approved an auto loan without verifying the consumer had a source of employment to pay for this auto loan. 

Please provide me a copy of Paystub, photo ID, & a copy of my SS CARD all of which is used to obtain an auto loan. 

If you can not provide all three items please remove this account from all major Credit bureaus 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 explanation
Consumer complaint received 2023-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Since XX/XX/2022 I have mail 3 different letters following the FCRA law to XXXX, Transunion and XXXX. I have not received any respond from them which exceeded more than the 30 days they have to respond by law. I am attaching the letters I mailed following the FTC and FCRA law to Validate the accounts I included in the letters for verification.

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 2023-06-10
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:
I have a loan with XXXX XXXX, I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below is the account with erroneous information : XXXX XXXX XXXX XXXX Balance : {$7400.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
hello my digital assets are on COINBASE digital wallet - My coinbase account is tied to my bank account for purchases etc 2 weeks ago my account started to display this message upon sign in Your ability to trade and transact is disabled Your recent purchase of digital assets has failed. As a result, the ability to trade and transact is disabled. In 5 days, we will proactively initiate an automatic recovery. '' when I click on MAKE PAYMENT it says this " Failed payments Your recent purchase failed Until resolved, your ability to trade and transact is disabled.After 5 days, we will automatically sell cryptocurrency in your account to collect any outstanding payments. '' I have not made any recent purchases and coinbase told me a specialist would contact me in 4-5 days they have not contacted me and when I send them an email to their support I get a copy and pasted response that says the same thing ( a specialist will contact me in 4-5 days ) I have had a Coinbase account for many years and have never had this issue bofore my bank assured me that they did not reject any coinbase purchases

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-08
Company: TRUIST FINANCIAL CORPORATION
State: TX
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: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

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 2022-04-01
Company: Gotham Collection Services Corp.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My wages were garnished on XXXX due to a collections debt. Im unaware the debt, has never spoken to this collections company and the debt has not been VALIDATED. The collections company is in violation of the FDCPA guidelines as NO written notice was provided/ received by me prior to this garnishment therefore I had NO TIME to try and resolve. My correct address is updated with all 3 major credit bureaus so Im unsure why a notice was sent to an INCORRECT ADDRESS. I believe that is an UNFAIR tactic used by this collections company to try and collect payment due to my employer being located ( and not my address? ). The attorney of the collections company LIED to my employer stating I am in communication with their office and that I am aware of the debt and garnishment notice, WHEN I NEVER RECEIVED ANYTHING. This is incorrect and is considered Unfair Practice as unconscionable means were taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: OneMain Finance Corporation
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was told by the person at OneMain Financial who sold me my loan that my APR was XXXX  %. The company is now charging me nearly XXXX XXXX! They have nearly tripled my APR without and notification. This was a clear bait and switch tactic, and I am now being swindled and defrauded and taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
PHONE NUMBERS : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ADDRESSES : XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXXY XXXX XXXX : I had submitted an initial complaint that didn't have these items which I found in my report, and I tried to fix. It was only found in the TransUnion 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 2023-02-28
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: Investigation took more than 30 days

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 XXXX  - has violated my rights XXXX XXXX XXXX XXXX XXXX - has violated my rights XXXX XXXX XXXX XXXX - has violated my rights UNAUTHORIZED INQUIRY : 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 non-monetary relief