BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX sent an account that is not mine to XXXXXXXX XXXX XXXX, a third party collection agency. XXXXXXXX XXXX XXXXXXXX added this {$110.00} collection account to my credit file. I have not had insurance with XXXX in over 10 years at least. XXXX is my insurance company. I have not received any correspondence from XXXX or XXXXXXXX XXXX XXXXXXXX at my address at XXXX XXXX XXXX XXXX, XXXX, SC XXXX. I have talked with a representative from XXXXXXXX XXXX XXXXXXXX and they had the wrong address on file.

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 2023-11-12
Company: Kriya Capital, LLC
State: MI
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:
This is the 2nd collection agency that has acquired this fraudulent debt. I was incarcerated at the time this account was opened Ive submitted documents verifying this. This account was removed from my credit report only for it to return today. Please make sure Credence Resource Management receives all documents that are uploaded. I found out this account is with XXXX XXXX account no. XXXX. Please verify all information so this county can be promptly removed from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is reporting on Experian that I was late on the following dates XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19, XX/XX/19. That information is incorrect. I paid on time on all those dates.

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 2020-12-15
Company: DISCOVER BANK
State: NY
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 my 3 Credit reports from, XXXX, XXXX, and XXXX  there are 2 closed ( charged off ) accounts that I believe were opened fraudulently in XX/XX/2016 by Discover bank, and also in XX/XX/2016 by XXXX XXXX. I know these were not opened by me because I was still in high school and didn't know about credit until my recent years. I've spent the past year disputing these accounts as fraudulent and haven't had any response from either creditor. These fraudulent negative accounts are stopping me from proceeding to my next steps in life and are hurting my credit score very bad, I would appreciate any help I could get. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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.

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 2023-03-11
Company: EQUIFAX, 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 FCRA, the credit bureau 's have violated my rights under 15 USC 1681 Section 604 A section 2 states, a consumer reporting agency can not furnish an account without my written instructions. Also I have the rights to privacy according to 15 USC 1681 Section 602a. These accounts were furnished without my written instructions or knowledge. I've reached out to the bureau 's on numerous occasions and still no response. 

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 2022-11-08
Company: EQUIFAX, INC.
State: OH
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 contacted the 3 credit bureaus XXXX, equifax, XXXX multiple times over the past year by phone and mail and let them know that i wanted them to remove XXXX negative accounts thats on my credit report they have violated my rights to privacy they had no permission to even report any information to the credit report and they also never sent me any verification or anything verifying the account 15USC 1681

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My loans were with Navient and were bought out by Aidvantage. Every single time I have contacted Aidvantage in the past month I have been told completely different answers for my repayment plan options and issues. EVERY SINGLE CALL. I was told I was approved and the application was processed only to be notified via email that I was denied and now owe 3x the amount originally told on a monthly basis within 24 hours. I was also told that a family of XXXX with XXXX only XXXX spouse working, both adults bearing student loan debt, making only {$64000.00} with XXXX kids, a mortgage, and XXXX car payments aren't poor enough to qualify for income driven repayment plan. How is that even possible when we barely make ends meet, especially now with inflation and gas prices. The supervisor was absolutely zero help whatsoever and said the misinformation I kept receiving by EVERY agent I have spoken to is " unfortunate '' and those agents will need more training. Thats it! Apparently it's OK for them to tell you you're approved at a lower payment amount and that there are zero consequences when that information is completely and utterly wrong. Consumers rely on information given to them as accurate and truthful, yet there are no consequences or recourse for when that information is a fraudulent statement!!!! This company is an absolutely atrocity!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hi. I will start from the beginning. On XX/XX/XXXX I made a purchase for {$400.00} XXXX ETH with my credit card from Coinbase. On XX/XX/XXXX I got an email from Coinbase about duplicate charges on accounts. I was also charged twice. In the email Coinbase said that the error was not caused by them and I should contact the card holder which is XXXX. I did that and I contacted XXXX. XXXX gave me a provisional credit for {$400.00}. I've attached a pic at the bottom of this email. Everything was good but then on XX/XX/XXXX I got an email from Coinbase that said my purchase of {$400.00} ETH XXXX was being reversed. On XX/XX/XXXX I checked my Coinbase account and it said {$400.00} ETH   XXXX and a fee of {$15.00} was sent to Coinbase. So apparently Coinbase took back {$400.00} worth of ETH but because of market fluctuations its more ETH because it is now valued less. That transaction was not supposed to be reversed because XXXX was only reversing the amount I was overcharged to begin with. So I don't know why Coinbase went into my account and took that back. so now I'm owed {$400.00} ETH XXXX as well as the fee of {$15.00} from Coinbase. Ive been trying ever possible way to get in contact with Coinbase to fix the issue but they are not responding. They took my money and will not offer any support to give it back. This is stealing and should be illegal. I only did what Coinbase instructed me to do which is contact my card holder. Ive saved all the supporting emails. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy 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

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 2022-03-25
Company: AXOS FINANCIAL, 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: Personal information incorrect

Complaint:
Received in the mail bank cards from 2 on line banks ( XXXXXXXX XXXX and Axos ), I have never applied for a card at either bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/20 I filed a complaint with the CFPB regarding Equifax 's handling of my credit file. Equifax continues to ignore my complaints in the handling of my credit file. I reached out to the number that was provided in the last complaint which indicated that my file was to be handled by the Office of Consumer affairs. Upon reaching out the the office of consumer affairs my request of making my file avaliable have been ignored. 

The office of consumer affairs is no better in handling my file. I'm still spoken to in a rude way by its reps and my file isn't getting the level of treatment or attention to correct the issues that it deserves. I've asked for a supervisor or manager call back now at least 8 times and I haven't received not one call back as of XX/XX/2020 dating back from early XX/XX/2020. 

Many times the office of consumer affairs don't even take the consumer calls after sitting on hold up to an hour or more. I've escalated filed several complaints and have had zero resolution to my issues with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-11
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:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2020-03-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My original was with XXXX XXXX, ever since Shellpoint took over its been a mess. In XXXX I fell off a ladder working on the property, I was told by XXXX XXXX at Shellpoint that they would be able to modify the loan to take those 2 months and put it at the end of my loan to keep me current because of the XXXX XXXX XXXX I sustained. They never did brought my account current as promised. I have an email correspondence between Shellpoint and myself in that email I stated that once I make this payment I will be current and Shellpoint responded yes, again that never happened and they continued to compound late fees and other fee 's to try and keep me from refinancing my home. They are trying to put me in such a bad financial situation so they can foreclose on my house. If you XXXX Shellpoint Mortgage Serving reviews you will see the numerous compliants, most are the same as me.

I have showed my proof to Shellpoint and they never respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely updated : 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 XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 2019-10-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Regarding complaint responses XXXX ( XXXX/XXXX ) and XXXX ( Select Portfolio Servicing, Inc. ( SPS ). XXXX responded, " As referenced in our XX/XX/2019 and prior response letters, XXXX is not seeking a judgment with respect to the outstanding loan nor did XXXX file the Assignment of Mortgage that Mr. XXXX references. Therefore, XXXX is unable to comment on the allegations that Mr. XXXX outlined in his correspondence regarding SPS 's actions ''. If that is in case fact, then how do they explain why XXXX is on both the Corporate Assignment of Mortgage and Allonge To The Note ( attached )? This could only mean 1 of 2 things, XXXX continues to fabricate and is evading the truth, or SPS has used XXXX unknowingly/unwillingly/illegally! In addition, SPS continues to refuse to answer my questions regarding the gross and misleading errors in the XXXX which was erroneously filed ( as per my last complaint ). As fiduciary, I continue to reject any and all claims by SPS and XXXX ( XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
The company is reporting this information on my credit report. 
Stating that I owe this debt. 
Which is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I submitted this complaint to update this suspicious information. XXXX and TransUnion Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. XXXX XXXX XXXXBalance Owed : {$15000.00}.

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 2020-03-16
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a collection notice in the mail from AFNI , Inc., so I called and spoke with a lady by the name of XXXX on their customer contact number. The purpose of my call was to record a dispute of this debt as I am a current XXXX XXXX XXXX account holder with no balance owed. She immediately wanted to send me a " Fraud Package '' instead of recording the dispute on my account. Last I spoke with XXXX XXXX XXXX, I have no balance on the account. She kept interrupting me and wouldn't acknowledge me asking her to supply me with proper documentation of which I asked for numerous times. 
Call is dated XX/XX/2020 at XXXX EST.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-03
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I'M a very unhappy XXXX XXXX  customer i have been fighting this problem the you guys for the past few months and i have to do the same thing every time go to my local branch and verify my identit and then I'm dealing with the same problem and I'm sick of always being told i have to go inside of a local branch all I'm trying to do is withdraw my money out my account so that i can pay my bills and your customer services center they are all very rude and disrespectful and hang up on customers you can get a hold of me at XXXX I'm looking forward to hearing from 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 explanation