BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back to high or I am ineligible. When I ask why I get told that it could be that my credit history is not to good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report. 

XXXX/XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$2500.00} US DEPT ED XXXX {$3500.00} XXXX XXXX {$3500.00} DEPTEDXXXX XXXX {$2700.00} XXXX  XXXX {$0.00} XXXX XXXX XXXX {$0.00} XXXX/XXXX   XXXX {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
i have an account with COINBASE so i was trying to get refunded thru bit connect with customer support and what they did to make it easier THE process they guided me on a share screen and needed my wallet address TO REFUND they made me send like $ XXXXto XXXX next thing it happened they empty my XXXX   account from COINBASE for about XXXX XXXX coins value at over {$34000.00} on XX/XX/2018 called 10 minutes after it happened to coinbase and they gave me case number XXXX and they locked my account right away and said a specialist would take over i only have a confirming email stating that somebody will get in touch soon i called again on XX/XX/XXXX and they say they got no response and was never seen by level 2 specialist and They were gon na put a higher priority so it can be contacted and no time frame at all being that i called after 10 minutes and when i tried cancelling online i wouldn't have an option to cancel luckily found the XXXX number thats when i called so I'm really desperate for help looking at previous reviews they said it could take months to get it resolved so just trying to get ahead and see i was hoping transaction will be cancelled since large amounts it could take time to be released so 10 minutes should've been more than enough I'm waiting for my account to be reopened with all my funds included if you can intermediate so get this issue resolved it will be greatly appreciated and if you have any suggestions on how to handle this org if i need to report to police authorities

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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.

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
Consumer complaint received 2022-03-26
Company: Maximus Education, LLC dba Aidvantage
State: MD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Aidvantage has taken over my student loan debt from Navient. To date, I have paid over {$220000.00} and had a remaining balance of {$49000.00} in federal student loans. Since the student loan relief due to covid crisis, loan payments and interest have been paused for these federal loan. I recently checked my balance and see that as of XXXX of this year, Aidvantage adjusted my bill by {$80000.00} bringing my total loan balance to over {$120000.00}. There was no explanation or notification as to why, much less is there any justification. I have contacted the company on their portal and via phone about this faulty information that they have added to my account but to date I have received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 accounts listed below has violated my rights. 

XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX account number different between bureaus ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - XXXX 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Amongst the three credit bureaus my personal information is reporting inaccurately which violates my consumer rights per the following information : Firstly, there are differences in the name of the account holder across the three credit bureaus. XXXX lists the name as " XXXX XXXX XXXX, '' while Experian and XXXX both list the name as " XXXX XXXX XXXX. '' This discrepancy in the spelling of the middle name could potentially cause confusion and lead to errors in the reporting of the credit history. 

Secondly, there are discrepancies in the current and previous addresses listed by the different credit bureaus. XXXX lists the current address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while Experian lists the same address but without the " XXXX '' in XXXX XXXX name. XXXX lists the address as " XXXX XXXX XXXX XXXX XXXX, GA XXXX. '' Similarly, the previous address listed by XXXX is " XXXX XXXX XXXX XXXX XXXX, GA XXXX, '' while XXXX lists XXXX same address but without the zip code extension. These inconsistencies in the formatting of the address could lead to confusion and potentially impact the accuracy of the credit report. 

Finally, there are differences in the employers listed by the different credit bureaus. Experian lists " NOT PROVIDED '' as an employer, while XXXX and XXXX do not. This discrepancy could raise questions about the accuracy and completeness of the credit report. 

These inconsistencies may violate the Fair Credit Reporting Act ( FCRA ), which requires credit reporting agencies to ensure the accuracy and completeness of the credit reports they produce. Specifically, Section 607 of the FCRA requires that credit bureaus " follow reasonable procedures to assure maximum possible accuracy of the information '' in credit reports. Additionally, Section 611 of the FCRA requires credit bureaus to provide a free copy of the credit report to consumers once every 12 months, so that they can review the information and report any errors or discrepancies.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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
Consumer complaint received 2022-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2500.00}.

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 2022-03-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX I purchased a washer/dryer set from XXXX XXXX XXXX XXXX California XXXX The amount was {$1700.00}. I charged the total amount on my Home Depot credit card. 

The items were to be delivered and installed on XX/XX/XXXX. On XX/XX/XXXX at XXXX pm I received an email from XXXX XXXX stating that my items would be delivered on XX/XX/XXXX between XXXX am - XXXX am. 

The items were never delivered on XX/XX/XXXX. I called XXXX XXXX on XX/XX/XXXX and spoke with both the acting store manager and my salesman who provided this information : The vendor stated that the items were shipped however per XXXX XXXX warehouse personnel, the items never arrived at the warehouse. 

As of today XX/XX/XXXX I have spoken with my salesman twice and four different XXXX XXXX managers. 

Today, XX/XX/XXXX, the acting XXXX XXXX manager told me that even though the items were never delivered to me ie missing, she could not refund my money because the items were never received in the warehouse. I told her to order another set and cancel the first set. She said she could order another set but I would have to pay an additional {$1700.00}. I declined that ridiculous offer. 

After speaking with the acting manager today I called Home Depot credit card services and spoke with XXXX. I explained the situation and told him I wanted to dispute the charges since I have never received the merchandise even though I incurred a charge of {$1700.00}. 

XXXX gave me the following information : 1. The charges started billing on XX/XX/XXXX 2. He can not remove, stop, or put a hold on the charges 3. He can not contact the store 4. I have to work directly with the store This is a violation of trust. I now have a charge of {$1700.00} and nothing to show for it. 

I thank you in advance for your assistance.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EXPERIAN NOT TAKING MY CASE SERIOUSLY, ASKING FOR THE SAME INFORMATION PREVIOUSLY PROVIDED ATTACHED AGAIN : TWO LETTERS ID PROOF UTILITY BILL ID THEFT REPORT FTC FRAUD 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 2022-11-08
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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2017-11-22
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To Whomever This May Concern : I have these 2 accounts on my credit report that are fraudulent. XXXX XXXX XXXX and IQ Data International. XXXX XXXX XXXX just reported to my credit report and are acting like they can not do anything. I need this resolved immediately. I have attached my police report. They are reporting to all 3 bureaus and they need to unreport.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-17
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$130.00} - XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 have had a credit card account with XXXX XXXX XXXX XXXX XXXX for several years. In the past, I fell behind on payments, so the account was closed. I still continued to make my monthly payments. XXXX XX/XX/XXXX, I made XXXX payments. One for XX/XX/XXXX and XXXX for XX/XX/XXXX. Because I paid before their bill cycle date, XXXX XXXX XXXX counted both payments as XX/XX/XXXX and when I did not pay XX/XX/XXXX, it was always late and I was not aware of it. Because of this discrepancy, I ended up getting a 30 day late mark on my credit report in XX/XX/XXXX. I have explained the situation to XXXX XXXX XXXX and they know where the problem occurred but will not change my credit information. This is completely unfair. I have documents showing all of the payments I made and I provided them to 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 2022-11-08
Company: EQUIFAX, 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:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: EQUIFAX, INC.
State: TX
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 XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$1700.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account.

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 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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.

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
Consumer complaint received 2022-03-26
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 notified Experian regarding an inaccurate information on my credit report and provided documentation to support my claim ( see below for what I provided ). I received confirmation via email that they received my letter and would begin a " robust investigation '' into my claim. Within XXXX hours they stated their investigation was complete and the item was valid ( with no explanation ) and my report was updated ( nothing changed on my credit report ). When I called into Experian and spoke to their customer service rep I asked them to provide me an explanation on why they found the item valid and she stated she could not provide it as it's confidential. When I advised her of all of the documentation provided she put me on hold while she reviewed it as she stated they had not opened the file yet. When she reviewed the documents she stated they will place another dispute and ensure a thorough review is done and contact me if additional information is needed. 

Within XXXX hours the dispute came back as valid, not 20 days, or 2 weeks, or even 2 days, but XXXX hours. Experian operated in bad faith as they did not thoroughly review the request and ensure the line item was valid.

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