BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting 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. 

Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 response to consumer: In progress
Consumer complaint received 2023-03-21
Company: Experian Information Solutions 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. 

Account Name XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  XXXX Account XXXX XXXX Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX  Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX  Account Number 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 explanation
Consumer complaint received 2018-05-15
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient stopped sending me paper statements. I was then forced to send them payments in which I enclosed a check for the amount due with the corresponding account number of the loan to the address they supplied in the previous years and in three separate phone calls. In these phone calls I told them I was not receiving paper statements and requested that they remedy this situation. The calls were made in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 
In my sending of the XX/XX/XXXX payment ( XX/XX/XXXX ) they randomly took an amount of {$73.00} out of a single check payment of {$800.00}. ( the  payment due was {$780.00} ) and said that they applied it to my personal loan- to which I had sent in an overpayment for that personal loan on the same day- with the paper statement for that account they had mailed. They cashed both checks. I then got a letter datedXX/XX/XXXXXX/XX/XXXX stating that I had sent my payment to the wrong address and that it looked like I wanted my " payment to be applied to both my federal and private loan. '' This was never my intention nor was it ever indicated in any of my mailings of payments. The letter also said that if I sent it to the wrong address again I would be responsible for late fees and additional interest charges. 
I did not send the check to the wrong address and never did I indicate that I wanted the check amount to be applied to both the federal and student loans. 
I have been paying on these loans since XX/XX/XXXX and the exact manner I am now. I called and spoke to a representative on XX/XX/XXXX who could not explain what happened but once again ( third time in three months ) said I should be receiving a paper statement and that he would make a notation of the letter I received stating that it was in error. I was not told then that I had a balance due from them not receiving a payment. To note- I do currently receive a paper statement for my personal loan and used to get the paper statement for the federal loan. I also always over pay the personal loan to apply more to the principle due. 
I have not received a paper statement. Yet, I received a letter on XX/XX/XXXX dated XX/XX/XXXX saying that they had not received my payment due on XX/XX/XXXX and that I was delinquent and past due with an outstanding balance in the amount of {$58.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
I recently disputed a collection on my credit report for a balance that has already been satisfied. claim was pd By XXXX XXXX XXXX in the State of Washington. I have attached information from office stating claim was pd along with phone number and claim number. 

Please see below : Debt collector : XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$950.00}

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 2022-05-25
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company put this collection on my credit report with XXXX, IC Systems for a bill with XXXX XXXX on XX/XX/XXXX. I reached out to XXXX on XX/XX/XXXX to state this was not my collections and that on XX/XX/XXXX another collection company tried to place this same exact debt on my credit which XXXX took off my credit on XX/XX/XXXX. Apparently this collection company bought this debt and has again violated my consumer rights because I reached out to XXXX XXXX and they are aware this was not my debt. I asked XXXX to please dispute and remove this collection. XXXX in turn did an update to my credit file on XX/XX/XXXX trying to delete this collection but allowed IC Systems to put the collections back on my credit on XX/XX/XXXX. 

I have attached documentation showing it was removed the first time and would like it taken off 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 2018-07-22
Company: EQUIFAX, INC.
State: WA
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:
Equifax will not removed my fraudulent accounts. This is Defamation of character and willful injury. XXXX and XXXX has remove the accounts after sending them the same information I sent Equifax. This is poor reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I complained about XXXX, XXXX, TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and stated that all companies are violating my rights to privacy, including transaction history, reporting inaccurate and outdated information such as old addresses, phone numbers, emails and employers. I have inquiries that I did not authorize, there was no permissible purpose. The banks have violated my consumer rights by sharing my non public information with non affiliated companies such as credit reporting agencies. ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter. ( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. ( c ) The term consumer means an individual. 
( d ) Consumer Report. ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title. 
( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons ;

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 2023-08-28
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have had a Coinbase account since XX/XX/2021. I deposited {$6000.00} into it and used it to buy XXXX, a cryptocurrency. I have been locked out of my account for over a year. Each time I go through the automated steps to get access, it asks me to wait several days, then fails. I am threatened that if I contact live customer service, my request to access my account will surely be delayed by " several weeks. '' Bottom line, I want my money out and can not get it, and I suspect this is deliberate on the part of the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: EQUIFAX, INC.
State: NC
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:
XX/XX/XXXX, XXXX XXXX, from the MO Division of Consumer Finance responds via email to a complaint initiated with the Comptroller. She couldn't understand what the problem I had with with XXXX XXXX XXXX XXXX as issuer, and XXXX, as new servicer, was. 

Again, the reports submitted to the bureaus include negative payment history that is not to be included. 

The Bank 's response is accurate in fact. Describes the action to be taken on the entry by the servicer, XXXX. That action, nothing, since the information is accurate. They are not considering those Metro II rules for subscribers. 

Story : Account opened XXXX XXXX was reported lost ( record XX/XX/XXXX ). Replacement arrived XXXX XXXX. 

Rule : 1. Update Account Number, one seamless file.

2. Open new account. Close original.

Bank Opted for # 2.

If you do that, the open date is the same. Negative information is excluded. 

Negative information removed from original account. Reinsertion rule prevents re-reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
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: Account information incorrect

Complaint:
I took out a loan with XXXX XXXX paid it off on time however Transuion and XXXX XXXX  they are claiming my account is late and which it never was my account has a XXXX balance owed as pictured this has caused me severe XXXX as Im trying to fix my credit this has caused my score to drop very low Im in the process of filing a civil suit against XXXX XXXX for failing to protect my consumer rights Also XXXX have failed to remove fraudulent accounts from credit report after sending in proof and verification of identity theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also inquiries that I did not authorize Transuion have also failed to remove inquiries that I had previously disputed as a victim of identity theft which i provided as well

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 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX. XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a 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 with 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 2022-05-25
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized inquiries on my credit reports are as follows : 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 response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: EQUIFAX, INC.
State: MD
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 have reported to all 3 credit reporting agencies that they are reporting duplicate account. They are reporting XXXX ( XXXX XXXX XXXX ) and XXXX XXXX as separate accounts. They are not. I had only one 2nd mortgage. XXXX and XXXX XXXX are the same company. The account started out as XXXX, years later they changed the account number to a XXXX XXXX Account. They did not sell the loan to XXXX XXXX, they only change the account number because both companies are one in the same. I do not have 2 second mortages. I only had one 2nd mortgage, but they are reporing them as 2 separate accounts, but they are not. There was only one second mortgage its just that they changes the account number under the owner of the account which was XXXX XXXX who owns XXXX, but its still only one account. The duplicate accounts are being fraudulently being reported as 2 different accounts when in reality they are the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: ALLY FINANCIAL INC.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I entered a XXXX managment program with XXXX XXXX XXXX. They have sent a payment to XXXX and they processed the payment. They are now calling me harassing me about " past due '' amount which should not be. They accepted the check therefore they should have changed the payments and not charged me a late fee. They also should not be calling me.

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 2018-12-14
Company: M&T BANK CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Good afternoon - We have a credit line with M & T bank. Today we received a call advising we were behind on our account, and it has hit our credit 2x. My concern is we were not given the chance to liquidate our bill. We did not receive anything via mail and or a phone call. As all Americans we make mistakes and have oversights here and there, and a reminder phone call is always welcome on this situation. If that would have happened we would have made the payment right there and then, and non of this would have happened. We are just asking for the opportunity to pay before you hit our credit with a negative marker. The fact that they did not attempt to call to collect the debt, before it was to late is not acceptable. 

If you have any additional questions please feel free to contact me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Im sending a complaint to you today to notify you that I was the victim of identity theft. I read up on how to eliminate the fraudulent items from my file 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 delete these items listed on an id theft report. Please find the ATTACHED documents to assist in the withdrawing of the inaccurate pieces of information which were being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXXXXX ) XXXX XXXX : {$440.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} ; XXXXXXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2021-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
WRONG NAME REPORTED ON CREDIT FILE - XXXX XXXX and XXXX XXXX WRONG ADDRESS REPORTED ON CREDIT FILE - XXXX XXXX XXXX XXXX, NJ XXXX AND XXXX XXXX XXXX XXXX, GA XXXX ) ALSO ( XXXX XXXX XXXX XXXX XXXX XXXX, GA 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