BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to XXXX XXXX services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. 

I have the remittance receipt, green post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. 

There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. 

Thank you. 
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 2022-12-30
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XXXX XXXX was stolen out of my chime account I contacted chime made a dispute within hours later they told me they found no error in my dispute Im a XXXX XXXX mom and hard earn money was stolen out my account which they told me they would not refund back due to not finding a error i explained to them that I had no clue who the person was receiving the money nor did I authorize it and they still wont refund back the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The credit bureaus stated my account with XXXX XXXX and XXXX was properly investigated but it continues to display inaccurate information. The following errors are identified : The balance is incorrect The account status is incorrect The last reporting date is incorrect Remarks are incorrect This is a violation of my rights under 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: MD
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:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-12-07
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I just received my credit report last week and to my surprise there is inaccuracy regarding an already submitted tender of payment to XXXX XXXX services. I have the receipts and signature card from the post office that they had received it and it appears that I had an adverse action taken against me and the card was closed for usage but I have been getting phone calls from unknown solicitors asking for my name using a digital voice recording and it is harassing me for something that should have been taken care of long ago. 

I have the remittance receipt, green post office postal card and the certified mail receipt that it was send. XXXX XXXX XXXX XXXX XXXX. 

There are certain banking rules and procedures set in place and I believe that the negative adverse reporting which is damaging to me is in violation of my privacy based on me not being asked to opt out of third party reporting. 

Thank you. 
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 2023-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My checking account closed out and the funds in my savings account have not been released. I have been calling the bank every day with no response.

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 monetary relief
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: NY
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 contacted Equifax approximately 5 times regarding a collection account from Outsource Receivables because of inaccurate information that is being reported about me. Outsource Receivables has not been able to validate the debt because I do not have a contractual obligation with them to pay any such debt. Equifax has allowed this credit file to remain on my file despite the lack of debt validation. Also, there is no " date of XXXX delinquency '' being reported by Outsource Receivables. I complained to Equifax on XX/XX/21 that this field can not be blank. Rather than removing an ill reported collection file, Equifax chose to make a notation on the account in paragraph form making my file " appear '' as though the reported " date of 1st delinquency '' matches the date that the collection agency reported the account to Equifax. Not furnishing a date of 1st delinquency will force the account to be reportable into infinity. It is against the law to report negative information into infinity. The date of 1st delinquency field can not be blank. I don't feel that Equifax truly reaches out to the date furnisher for their information. They just modify the account the way they see fit which is against the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX Services, XXXX XXXX XXXX, XXXX, DE, XXXX, XXXX Ive contacted this company numerous times for reporting inquires to the credit bureau that I did not authorize and that they are unable to find an application for. The company said that they do not have any of my information on file & would fix the discrepancy within 30-90 days. It has been well over of 180 days and the inquiries that I did not authorize or apply for are still appearing on my credit reports. Dates of Contact : XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 - Persons of Contact were XXXX & XXXX - No one can find an account or application with my information yet the XXXX continues to have a negative impact on my TransUnion Credit Report. I have called XXXX Case # XXXX, faxed XXXX & emailed this company at XXXX & have yet to have the issue resolved. This inquiry is causing a hinderance and hardship to myself & my 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 2021-10-02
Company: NAVY FEDERAL CREDIT UNION
State: IN
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:
My name is [ XXXX XXXX ], and I am sending this request myself to address the inaccuracies on my Credit Reports.I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$2200.00}

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: Experian Information Solutions Inc.
State: AZ
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 account was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. 

In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.I received no such notification. I also am a victim of fraud and identity theft, which I found out about 8 months ago. I sent a letter of suppression to block the XXXX XXXX XXXX  XXXX reporting on Experian and XXXX is showing XXXX XXXX XXXX XXXX and XXXX XXXX XXXX reporting, which were both deleted. I included FTC and police report with my ID documents and 605B letter. I am sending it out again this week, since both Experian and XXXX are reporting the inaccurate information still. I want the collection accounts removed as I should have none. XXXX is the only CRA reporting correctly XXXX collections.

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 2023-05-23
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:
I am a victim of identity theft. I have filed identity theft and police reports. I have also contacted all 3 consumer reporting agencies. It has been over 7 months the accounts are still on my report, and I have not received any correspondence from the consumer reporting agencies. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of their ability with MAXIMUM accuracy. I have never opened any of these accounts. Please investigate and provide proof. If proof can't be provided I demand these accounts be removed from my credit report. Thanks.

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 2020-11-22
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase.com unable to verify wallet after XXXX disabled my email and I changed my number after relocating. Balance is visible and funds unavailable still 2 years later

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: NATIONSTAR MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I have two loans with the company NationStar that correspond to two properties located in the same street, on both of those loans we pay to an escrow account for the payment of property taxes and homeowners insurance. 
Late XXXX we were made aware by our County Tax Office that the property taxes on one of those loans had not been paid for four years ( about the time of the life of the loan ). When we contacted the mortgage company, after several communications back and forth, NationStar made the corresponding payment of property taxes on XX/XX/XXXX. 
Since then the company is also known by the name Mr. Cooper. 
Thinking that everything was cleared out, I was shocked when we received a loan statement with our monthly payment increasing from {$1200.00} to {$2500.00}. 
When I called the mortgage company to ask the reason of this increase they said that our escrow account had a negative balance of the amount they had paid in late property taxes. Let me clarify that we had always paid to the escrow account the amount calculated by the mortgage company, and had never been late on payments. Therefore if there was any discrepancy in regards to the payment of property taxes, it was an oversight of the mortgage company since it was them who should have been making those payments on our behalf, but had not during several years. 
I contacted NationStar a.k.a Mr.Cooper by phone and mail requesting a detailed review and evaluation of our loan so to identify the cause of all this problem. 
Until everything is cleared I had asked the company to stop collecting the payments, and that the loan not accrue late fees or be considered delinquent. Still, the company sent a communication otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am currently serving in the XXXX XXXX XXXX, and was prior XXXX and XXXX XXXX XXXX totaling 15 year of service since XXXX. 
I enrolled in XXXX university for a XXXX XXXX in XXXX XXXX for three years XX/XX/XXXX-XX/XX/XXXX. 
During My attendance I was summoned to XX/XX/XXXX XXXX XXXX on temporary status which delayed my four year degre completion. 

I applied for student loan thru MOHELA after depleting my XX/XX/XXXX g.i. Bill, and I had one more class to finish. 
The school did not notify any of their students that they were shutting down as a result of accreditation loss and low student attendance. In fact, I found out thru the news in in the morning during my daily routine on XX/XX/XXXX. 

I informed the student loan lender. They wont be flexible to accepting very low payments despite my income hardship, and in the mean time Im waiting for student relief assistance program to help me discharge this loan which is a long term wait. 

The anomaly of this event that I never thought would happened to me as im Learning as I go in this process is that the student lender practices is unethical. 
The student remains unaware of the lenders security process to assure that the school is not going bankrupt, or if they are abiding by law and education standards state and nationwide. Thus endangering the students/customers economic well being as well as their credit. 
Hence, the customer has right to be informed of such potential risk if the school chooses not to inform the student.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Self Financial Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I opened up a credit builder account with Self Financial. I paid the initial process fee and they In return open up a certificate of deposit and report that amount as a loan on my credit report. I made monthly payments to them until it was paid off. In return they are supposed to cash out the certificate of deposit and return that money back to me. I have not received any of my money back from them. I opened up a XXXX XXXX XXXX complaint and the company told the XXXX  that they are having a hard time in identifying me and that they holding my funds because they believe that my bank account is fraudulent. Everything that Self Financial has stated or claimed has been dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX : # 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 non-monetary relief