BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On the above date and approximate time, XXXX XXXX XXXX positive Identified by Illinois Driver License # XXXX Victim of Identity Theft. XXXX XXXX stated he noticed fraudulent activity of his credit report and didnt give permission for anyone to open and establish a XXXX XXXX XXXX account nor purchase a vehicle. XXXX XXXX also provided information that he was stationed in the XXXX XXXX XXXX XXXX XXXX on active-duty status from XX/XX/XXXX, through XX/XX/XXXX. XXXX XXXX stated he noticed that fraudulent activity when he started to receive information about the purchase of a vehicle. On the date of XX/XX/XXXX ( offender ) unknown at this time. Opened a XXXX XXXX XXXX account # XXXX without the knowledge and permission of XXXX XXXX XXXX in the amount of {$15000.00}. Using an expired Illinois Driver License of XXXX XXXX XXXX that was turned in to the Illinois Secretary of State Office. The offender was able to purchase a vehicle from XXXX XXXX of XXXX on the above date.

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 2021-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
1. XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1000.00}, I have disputed the inaccurate information multiple times with no response. 

2. XXXX XXXX XXXX. XX/XX/XXXX, {$280.00}, I have disputed the inaccurate information multiple times with no response. 

3. XXXX XXXX XXXX XXXX XX/XX/XXXX, {$440.00}, I have disputed the inaccurate information multiple times with no response. 

4. XXXX, XX/XX/XXXX, {$240.00}, I have disputed the inaccurate information multiple times with no response 5. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 6. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response XXXX. XXXX, XX/XX/XXXX, {$160.00}, I have disputed the inaccurate information multiple times with no response 8. XXXX, XX/XX/XXXX, {$140.00}, I have disputed the inaccurate information multiple times with no response 9. XXXX, XX/XX/XXXX, {$450.00}, I have disputed the inaccurate information multiple times with no response 10. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 11. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 12. XXXX, XX/XX/XXXX, {$270.00}, I have disputed the inaccurate information multiple times with no response 13. XXXX, XX/XX/XXXX, {$310.00}, I have disputed the inaccurate information multiple times with no response 14. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 15. XXXX, XX/XX/XXXX, {$82.00}, I have disputed the inaccurate information multiple times with no response 16. XXXX, XX/XX/XXXX, {$410.00}, I have disputed the inaccurate information multiple times with no response 17. XXXX, XX/XX/XXXX, {$170.00}, I have disputed the inaccurate information multiple times with no response 18. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 19. XXXX, XX/XX/XXXX, {$200.00}, I have disputed the inaccurate information multiple times with no response 20. XXXX, XX/XX/XXXX, {$340.00}, I have disputed the inaccurate information multiple times 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 explanation
Consumer complaint received 2021-05-04
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase Support Case # XXXX. 

I have been locked out of my Coinbase account since Friday, XX/XX/2021. I reported through their customer service channels that I lost my XXXX authentication and would need help from them to reset it. They initially responded to my customer service request by email on XX/XX/2021. I replied to what appeared to be a form response to explain to them further that I needed assistance resetting/replacing my 2-Factor authentication. They emailed again on XX/XX/2021 to explain that I would need to upload my identification and a photo into their system to verify my identity to solve this problem, but they did not provide a link or other means to actually do this. On XX/XX/2021, Coinbase Support sent me another email explaining other steps I should do to protect myself including changing my password and said that I should continue to reply to their emails to get further assistance. On XX/XX/2021, Coinbase Support indicated that a " specialist '' would look into my case. 

I have sent them numerous follow-up emails since XX/XX/2021, but have not received any further response once the " specialist '' became involved. I have also tried reaching out to Coinbase and Coinbase Support through various social media channels, but have failed to receive a response.

I have substantial value locked up in my Coinbase account and would like to regain access and control of my money. My Coinbase Support Case is XXXX # XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
XXXX and Capital one has unauthorized charges and they are still asking me to pay and its affecting my score. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Experian Information Solutions Inc.
State: OK
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 report with the Federal Trade Commission for suspected ID theft on 5 accounts. I provided the report to Experian demanding that they block the accounts from my credit report based on federal law. Experian declined to block the accounts, in violation of federal law.

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 2021-04-06
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:
Because XXXX XXXX has provided me list of services provided by XXXX XXXX XXXX XXXX without a medical release of information, my privacy has been violated. At no time did XXXX XXXX provide medical release of information signed by me to submit my medical information to TransUnion and XXXX. At no time did XXXX XXXX provide copy of their contract demonstrating their business relationship with the covered entity. The sale of protected health information without individual authorization is strictly prohibited. Both TransUnion and XXXX  should be held liable. 
HIPAA and Fla. Stat. 456.057 ( 8 ) ; prohibits a covered entity from using or disclosing an individual 's protected health information unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 
Because a HIPAA-covered entity ( XXXX ) and its business associate XXXX XXXX violated my health information privacy rights, I have filed and attached a complaint with the U.S. Department of Health & Human Services - Office for Civil Rights ( OCR ). OCR can investigate complaints against covered entities ( health plans, health care clearinghouses, or health care providers that conduct certain transactions electronically ) and their business associates. I have also filed a complaint with the Florida Attorney General 's Office.

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 2023-06-29
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:
The Fair Credit Reporting Act gives me the opportunity to dispute any information on my credit report that I believe is inaccurate. This law requires that 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, and I will fight back with all my strength! Your report 's accuracy is crucial. The allegations you list don't meet federal or state requirements for reporting, so they can't be confirmed. I challenge this claim because it lacks compliance with basic reporting standards that would make me feel more confident in what's being said. You're 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, which is required by law ( FCRA ) and reporting standards like METRO 2. 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're not doing your job properly. If this issue isn't resolved immediately, there could be serious consequences, so I'm giving you 30 days from now ( the date of delivery ) to hopefully get everything sorted out and correct itself with no need for intervention or escalation! I would also 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 explanation
Consumer complaint received 2018-04-26
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is trying to collect a debt in the amount of {$2000.00} which was added to my credit report on XX/XX/XXXX16. 

I have tried making contact with XXXX XXXX and each ( 3 ) credit bureau letting them know this debt does not belong to me. I still have not received original signed documents from either of the bureau nor XXXX XXXX the credit bureau are saying these items have been verified I will like to see the original signed documents stating how.

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 2021-04-06
Company: Sequium Asset Solutions, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On or around XX/XX/2021, there was a new account on my XXXX  credit report as collections. The company was Sequium Solutions, the collection agency for XXXX XXXX. I called Sequium twice to resolve and when i mentioned id theft, the representative hung up on me, both times. The first representative mentioned an address of XXXX XXXX in XXXX, TX, which i was NEVER a resident. I then called XXXX XXXX and they do not have an account for me.. not by name, phone number or ssn. How do i get this off of my credit report?. I have disputed once, but they claim the account is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXXXXXX XXXX XXXX XXXX  Account # 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

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 2020-02-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
In XX/XX/XXXX I went to XXXX  to purchase a washer and dryer set. The set was suppose to be financed through XXXX XXXX. I never received my merchandise because XXXX  filed bankruptcy and has closed down and was advise that I will not receive the merchandise. I never made payments to XXXX XXXX and requested refund of my down payment. for merchandise I never received. I was promised my refund would be granted and account would be closed that this was no effect to my credit. This is reporting {$3500.00} on my credit. They kept avoiding my calls and giving me a run around. 

XX/XX/XXXX sent credit bureau letter disputing. Equifax, XXXX and XXXX has refused to remove from my credit. 


XX/XX/XXXX sent method of verification -no response from credit buruea

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry 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 explanation
Consumer complaint received 2022-11-28
Company: FIRST ADVANTAGE CORPORATION
State: WA
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:
On XXXX XX/XX/2022, I called First Advantage Corporation, a tenant screening company, in reference to Application ID XXXX from XXXX XXXX apartments. A customer care representative person in charge, XXXX XXXX, insinuated there was fraudulent activity on the application and that the company needed to verify my telephone number to process the application. The customer care representative pushed the false narrative that the credit reporting agency, XXXX, had required a valid telephone number to verify information in the credit report. To whit, I firmly stated that I was indeed the account holder who had placed the fraud alert with all three credit reporting agencies. I firmly stated that I had previously contacted XXXX about an upcoming apartment screening process. I adamantly affirmed my rights to the aggressive customer service representative their company only needs to verify my name, date of birth, social security number, and current address for confirmation. I sternly stated that neither she nor the company had the right to use a phone number and the claim that a non matching one in the records gave pretext to deny my application. Doing so, I warned, constituted discrimination which is illegal and it violated statutes within Fair Credit Reporting Act. 

The heated exchange between the customer service representative, XXXX XXXX, centered upon her aggressive manipulation and attempt to promote a false narrative to deny an apartment application. As a person in charge, she failed to pay attention to the protocols in Fair Credit Reporting Act that pertain to consumer reporting agencies ' obligation to follow reasonable procedures to assure maximum possible accuracy of information, and permissable purpose for consumer reports, specifically in this instance for tenant screening. XXXX XXXX completely ignored these protocols set forth in the Fair Credit Reporting Act and treated these legal statutes as minor objections to overcome during the course of a telephone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I found out from Experian that XXXX XXXX Card Services,  XXXX XXXX Executive office conducted two investigations into my accounts. Neither Experian nor XXXX XXXX sent me any notification, wriiten or otherwise regarding this matter. On the contrary, on XX/XX/XXXX they sent letters stating that the investigation was continuing. 

After spending 2 1/2 hours on the phone with Experian yesterday my account was abruptly closed. 

Here is a brief history : in XX/XX/XXXX I went into a XXXX XXXX branch and inquired why my secured credit card showed as deputes and resolution the banker told me that it wasn't in disputes and resolution that was only IF I wanted to dispute something. I called card services they confirmed what the banker told me. In XX/XX/XXXX after 10 months of ongoing fraud, online banking fraud, fraudulent email changes, address changes, phone number changes, unauthorized payments made to cards I knew nothing about, steady decline in my credit score despite paying more that I owed, being lied to by executive office, inaccurate credit reporting, mail fraud, legislative credit freeze ( whatever that is ) double billing, investigation and re-investigation and never getting the results and being lied to about it

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 2023-05-07
Company: Resurgent Capital Services L.P.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 sectlon 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 writton XXXX15 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Shellpoint Partners, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
From the period of XX/XX/XXXX onwards, Shellpoint has categorically failed to respond to a series of inquiries on the status of an ongoing mortgage payment and any payments to be made thereof. Shellpoint ( " they '' ) have repeatedly stated false and misleading fee and penalty amounts for fees we did not agree to. The customer service line continually lies and gives false information to any party that calls with voiced concerns. Every time we call, it is a different story, and a different amount. We *SUPPOSEDLY* owe XXXX, then XXXX, then XXXX in " late fees and penalties '', then, when we demand an itemized list of these fees and charges, we are given no answer for weeks, only to be sent a file which we can not open or read. Managers refuse to speak to us or honor appointed calls, often ignoring us in lieu of us leaving a voicemail only to get no calls back. They have rejected at least one payment outright and have closed the online portal to pay, demanding we instead send paper checks by mail. Ultimately, they have also stated we have not paid any mortgage payments for several months in the year of XXXX, when this is totally and completely untrue, a blatant lie, fabricated. The bank records show we have issued them payment. At this point I can not tell if this is incompetence or criminal activity. We are considering legal action and hiring an attorney.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-07
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been trying to Get a Credit Balance from From 2 US bank Branches in Ohio But to No avail. I will Not Wait 2 weeks to get my Over payment Balance. This is Decptive and out right fraud. They are making money on my money ... ... ... ... ... ... .. I Demand my Money with in 3 days

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