BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

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: Experian Information Solutions Inc.
State: AL
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:
I found errors on my credit report. I submitted a dispute on XX/XX/2020 it has been over 60 days. I have not received anything from the bureaus regarding my dispute. They are required by law to address a dispute from a consumer in a timely manner

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 2023-03-02
Company: EQUIFAX, INC.
State: OH
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX CT XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX ; XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX XXXX Balance : {$390.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Where do I start! 
I have had a COUNBASE account for trading crypto currency for over a year at first I didnt have a XXXX problem apart from constant fees that I shouldnt be paying! 
But I seem to keep chasing what I was promised in the so called percentages I was being showed I made? 
Once I had that percentage I then had the app tell me I didnt have enough of that coin to move? I had more than enough of any currency I wanted to trade to move my gains to buy another coin to prosper from up and downs in the app.i then found I had thousands of pounds stuck in coins I couldnt move at all! 
Loosing me over XXXX up to date apox if not more. 
I made many contacts to the so called COINBASE Support only to constantly have a robot push me round in circles! 
I have had nothing at all on all my complaints and its made me And people around me XXXX! 
I cant XXXX XXXX  Im having problems with the stress of no control and the loss of thousands and thousands of pounds not forgetting the money I would have and still would be making if allowed to transfer MY Money. 
They froze my account and stopped me moving my money but still let it be traded on a market.This is discusting abuse I feel destroyed inside XXXX and XXXX XXXX .please help me and thousands of other Coinbase customers as Im not alone. 
If my trades where allowed to be done Im shore I would have dibbled my investment if not more. 
We have all and still are being taken for fools. 
There is no support allso all Iv had is there platform trying to put adds on my personal page on face book! XXXX outrages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-12
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I filed a complaint on XX/XX/2020 ID # XXXX and Navy Federal Credit Union has once again locked down my account and I have to contact their Security office. I was trying to deposit 3 more paychecks, had a total of 6 waiting on deposit, since they will not allow the deposits to go through, they are rejected, not approved. Finally 3 were resubmitted and being held until the checks clear, since they were already deposited once, are payroll checks issued some time ago and I put a large check mark on the face of them with the date I first mobile deposited them. Since that time 3 more paychecks have been acquired and held because of the rejection of the first 3, but now that the first 3 are pending, wanted to get the other 3 deposited quickly, so when they are held for a week, I will have some funds to buy food and gas. I wasn't able to make my second rent payment via XXXX for several days and only because my tax return was direct deposited, were there funds available to pay my rent. I have to make the rent payment in two transactions on two different days, but the transactions were denied on the first of the month because it took me 5 days last month to fight with the bank and get a new bank account established before they would allow me to pay the rent via XXXX, so this month 's rent was also delayed and I expect it will be so from now on, which is unacceptable. If it weren't for COVID-19 I would have closed this account and gone to another bank. As with credit unions I was referred by my daughter, XXXX XXXX XXXX XXXX who is employed at the XXXX XXXX XXXX. I am employed by XXXX XXXX. The principle person for both of our memberships is my ex-husband and her father who served in the XXXX XXXX during the XXXX XXXX. XXXX XXXX XXXX is our son and the person to whom the paychecks in question belong. I am tired of not being able to use my account and have access to deposited funds or to make deposits in order to pay my bills in this day and age, much less during COVID-19. This is entirely unacceptable behavior and I am at a loss as to how to get the funds deposited until COVID-19 is under control and I can open another account ; funds have been marked " for eDeposit only to NFCU '' as per NFCU instructions, but they are rejecting the paychecks. The first paycheck from this employer was deposited in mid XXXX very soon after I opened the account. I made that deposit in person at the desk, but every pay check since then has been blocked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Nelnet claims to offer updates via email every ten days. I have submitted my documentation almost a month ago. No update available online or from the servicer. To reach someone, call wait time exceeds one hour. I have no recourse.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: Experian Information Solutions Inc.
State: GA
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 following accounts have violated my federally protected rights to privacy and confidentiality! Under 15 USC 1681. 

I previously told Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX XXXX  XXXX XXXX XXXX Formerly XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All 3 agencies stated these accounts were accurate, but thats not possible because there are major inconsistencies with open date, date of last activity, and high balance when I compare my 3 credit reports.

According to USC 1681 section 5, the agencies MUST modify any account that is not reporting accurately.

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

15 USC 1681 section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 ( a ) ( 5 ) : NO consumer reporting agency may make ANY consumer report containing any of the following items of information : any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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. 

FURTHERMORE, I have evidence to prove these agencies ( XXXX, XXXX and Experian ) are not in compliance with Metro 2 standards, the standards that they themselves created!

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 2021-10-21
Company: The Bureaus, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I 'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Bureaus are reporting inaccurate information on THE BUREAUS INC. Per FCRA, reporting must be 100 % accurate or the information must be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Myself and apparently hundreds of others have attempted to file a dispute claim with Transunion but the online dispute option does not show up randomly. I have requested that TRANSUNION remove an account from XXXX XXXX XXXX that I was removed from being an authorized user and thus my responsibility has been terminated and I am not responsible for this account. As such, I am requesting this account be removed immediately as it is causing inaccurate information and severe damage to my credit standing.

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 2023-03-31
Company: ACIMA CREDIT, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Complaint No : XXXX Lease No : XXXX Acima Credit is falsely presenting themselves as the original creditor in this leasing agreement and the debt is being incurred from XXXX XXXX XXXX. This is in response to the statement that Acima does not identify as the original " creditor '' or that " consumer credit transactions '' does not apply to them. Well the credit was extended to me so someone has to the be the original creditor in this agreement. I am pointing out XXXX XXXX XXXX as as the original creditor for this Acima leasing agreement because of the signature I see signed from the original lease agreement through a XXXX representative. Also because of the notion that Acima is saying consumer credit transactions don't apply to them and they are not the original creditor. I am filing a complaint to both companies for failing to disclose in the original leasing agreement that the debt is in fact incurring from XXXX XXXX XXXX  and using false pretenses to hide the fact XXXX XXXX XXXX  is the original creditor in this leasing agreement under the Acima name. ADDITIONALLY, I'd like to defer the federal violations from the previous complaint to Acima to XXXX XXXX XXXX as they are identified as the original creditor of this lease agreement. If I have reason to believe XXXX XXXX XXXX is in violation of several consumer credit protection laws under 15 U.S. Code Chapter 41. More specifically the laws listed under 15 U.S. Code 1605. In the original leasing agreement with Acima Credit ( or XXXX XXXX XXXX, the company states that there is a loan processing fee of {$20.00} for processing and preparing documents for the lease. This is in direct violation of 15 U.S. Code 1605 ( e ) ( 2 ) which states that, items exempted from computation of finance charge in extensions of credit secured by an interest in real property SHALL NOT include fees for preparation of loan-related documents. The {$20.00} charge from Acima ( or XXXX XXXX XXXX ) is evidence of this violation. Moreover, 15 U.S. Code 1605 ( f ) ( 1 ) ( A ) states that credit transactions not under an open-ended credit plan secured by real property shall not be treated as accurate if the amount disclosed in the finance charge varies by more than {$100.00} of the original finance charge. The cost of payment in the original leasing agreement shows that this varies by more than {$100.00} from the cost of the amount of credit that was extended to purchase the real property. This also violates 15 U.S. Code 1605 ( f ) ( 2 ) ( A ) which states that the amount disclosed as the finance charge should not vary from the actual finance charge by more than an amount equal to one-half of XXXX percent of the total amount of credit extended.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
Company: Experian Information Solutions 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:
I'm a natural person my name is XXXX XXXX the credit bureau validated my rights they not doing a full investigation after disputing items multiple time they validating my rights and privacy if they don't remove these accounts its going to be major problems. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

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 2023-06-02
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: Vehicle Solutions Corp
State: NV
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 took out a car loan back in XX/XX/XXXX. I called the loan place towards the ending of XX/XX/XXXX letting them know I would no longer able to make payments due to me losing my job an they needed to come pick up the car. I moved away in XX/XX/XXXX to XXXX XXXX NV. They took a whole six months to come pick up the car because I had to call them back again in XXXX of XXXX to asked them why havent picked up the car yet so like a week later they came an got it. While me living in XXXX XXXX for the year of XXXX they had my account active and open charging me late payments for the whole year of XXXX as if I still had the car in my possession. I disputed it with XXXX credit union an they closed the account but still charging me those late payments with The same amount loan but the car has been resold for less the amount they are charging me. Also I wrote them a letter stating the same issues asking why are they still charging me an I give them 30days to respond if not this was my official request to have the loan deleted off my credit report. I sent the letter off as certified mail an it was delivered to them XX/XX/XXXX way before the whole Covid 19 took place. Also it has passed the 30 days since they received it an have not responded to my letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: EQUIFAX, INC.
State: MA
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/XXXX I contacted Equifax about the following negative accounts XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, Balance {$3400.00}, Original Creditor XXXX ), XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Highest Balance : {$1000.00} ), XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Balance : {$4300.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 EXERCISING MY RIGHT TO DISPUTE THE FOLLOWING ITEMS ON MY FILE IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT (FCRA). UPON REVIEW OF MY CREDIT FILE, I HAVE FOUND THAT THERE ARE SEVERAL INACCURATE AND UNVERIFIED ITEMS. THESE HAVE NEGATIVELY IMPACTED MY ABILITY TO RECEIVE CREDIT AND HAVE PROVIDED UNNECESSARY EMBARRASSMENT AND INCONVENIENCE.

AS I AM SURE YOU ARE AWARE IT IS MY RIGHT ACCORDING TO SECTION 609 OF THE FCRA, TO REQUEST A PROPER INVESTIGATION INTO THESE INACCURACIES. IN PARTICULAR, I AM REFERENCING SECTION 609(c) (B) (iii), WHICH STATES "THE RIGHT OF A CONSUMER TO DISPUTE INFORMATION IN THE FILE OF THE CONSUMER." AS SUCH, THE DISPUTE REPORT OF THE ITEMS LISTED IS ATTACHED.

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 2020-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
On My XXXX  credit report by the name of XXXX XXXX XXXX XXXX i had some unauthorized inquiries in my credit report and i want them to be removed please. 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX On My XXXX  other inquiries were reported XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ON my XXXX  credit report XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX Capitol one XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-12
Company: Experian Information Solutions Inc.
State: TX
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've submitted documents to show that I was the victim of identity theft. Nothing has been fixed or removed from my credit report. This is impacting my life and score.

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 2020-04-12
Company: EQUIFAX, INC.
State: TN
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:
1.XXXX XXXX {$280.00} XXXX 2.XXXX XXXX {$310.00} XXXX

Company response to consumer: Closed with explanation