BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there is still account that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Transunion Credit Bureau to validate this account ( A ). I hope this disputed account is updated.

I've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy ... as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly UPDATE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 
XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX XXXX XXXX  Re : XXXX XXXX XXXX - XXXX I recently reviewed my credit report and found some errors in the reporting of XXXX XXXX XXXX - XXXX. You are reporting information about me that is inaccurate. All the three credit bureaus are reporting different balances and payment information. This account has not been properly verified. Delete the following account immediately for failing to comply with the FCRA : XXXX XXXX XXXX - XXXX Thank you for your time, 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 2023-08-22
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax or XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above late payments to the referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: HCFS Healthcare Financial Services of TeamHealth
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I havent received any investigation results.

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 2023-07-12
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:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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: ALLY FINANCIAL INC.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I would like to express my frustration and lack of empathy and transparency I experienced in my interactions with Ally Bank. 

I issued 2 checks for {$50000.00} each to my husband who deposited it using mobile deposit to his account at XXXX XXXX At around XXXX PST on XX/XX/28 I received a call from Ally Bank 's fraud department who confirmed verbally that I had indeed issued the checks and they confirmed that the checks would be allowed to be encashed. But unknown to me, according to Ally Bank transaction records, they had already returned the checks due to a mysterious " Irregular Signature '' reason and rejected them. They did this at XXXX XXXX which was about 3 hours even before their fraud department bothered to call me to confirm the checks on my account. 

And due to their actions, the checks bounced and my husband was charged {$14.00} in returned item fees by his bank. We wanted to use the money for a down payment and because of Ally Bank 's callousness, we couldn't do it. 

I contacted Ally bank today ( XXXX ) and spoke to their phone banker who said that it was the " other '' bank who rejected the checks. My husband contacted XXXX XXXX who confirmed that it was Ally Bank that rejected the checks and they had no part to play in it. I am attaching the screenshot of that communication with this issue.

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 2022-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. 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.

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 2022-04-18
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 fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, XXXX acct # XXXX, XXXX  acct # XXXX, XXXX acct # XXXX, XXXX acct # XXXX, XXXX XXXX  acct # XXXX & XXXX, XXXX ACCT # 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 2023-01-11
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi There, My Coinbase Pro account was compromised through CoinBase Pro API attack on XX/XX/2022. 

{$180000.00} in USD along with {$11000.00} in XXXX XXXX was drained ( wash or contra traded ) from my account. 

A total of {$190000.00} was " wash '' or " contra '' traded against another/other Coinbase account to drain my account. Wash trading is illegal, Coinbase allowed it to happen. 

This the {$190000.00} ( nearly {$200000.00} ) represents my life savings. Money saved over 20 years of sacrifices and savings. 

To execute this attack the attacker needs to have an account ( s ) on Coinbase to wash trade against my account, by forcing my account to Buy High and Sell low against trades to the attackers accounts, there by draining my account. 

This high frequency wash trading generated {$18000.00} in Trading Fee for Coinbase. 

Coinbase XXXX is supposed to be a custodian of our funds, especially $ XXXX Dollars, which should be safe guarded against fraudulent access and use. Coinbase is also supposed to carry insurance to safeguard and return illegally lost USD funds. 

Coinbase XXXX is also supposed to have safe guards against wash trading or contra trading. 
It did neither. In fact Coinbase XXXX made {$18000.00} facilitating another or other Coinbase accounts unauthorized access and trading from my account to drain my account balance. 

Coinbase is also supposed to have XXXX ( Know your customer ) on all of its customers. 
Coinbase know who executed this attack and who drained my account. 

At no point was my userID/Password or authentication compromised. My 3 Factor authentication was not compromised. No funds were directly withdrawn from my account or sent anywhere.

CoinBase has refused to share any details or restore my account to its status prior to the attack. 

Coinbase XXXX refused to let me sell the XXXX coin the attacker left in my account. Causing me great financial and mental anguish for a months. 

The case number with Coinbase is : Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: First Credit Services Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A debt was owed to XXXX 's XXXX in the amount of XXXX which has been paid to XXXX 's XXXX with a receipt attached. First Credit Services has a collection on me for {$35.00} and I do not know why.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-05
Company: Experian Information Solutions 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:
On or around XX/XX/XXXX I was reviewing my credit report and I seen several errors on my report. My XXXX XXXX Discharged was final on XX/XX/XXXX. There are several accounts still showing that need to be removed. I am sure it was just a misshapes that it was not properly updated correctly. I have attached a copy of my 1.PHOTO ID 2. Bankruptcy XXXX # 2:17-BK-51306 3. XXXX XXXX XXXX XXXX. 
3. ATTY : XXXX XXXX XXXX 4. PHONE : XXXX. 
5. ACCOUNT TO BE REMOVED ( SEE ATTACHMENTS ) 6.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
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
XXXX XXXX HAS BEEN CAUSING ISSUES ON MY CREDIT ALL YEAR LONG THAT HAS CAUSED ME FINANCIAL LOSS AND OPPORUNITY. THIS ACCOUNT HAS ALWAYS BEEN PAID SATISFACTORILY. ALSO, XXXX IS FURNISHERING MULTIPLE VARIATIONS TO EACH CREDIT BUREAU. THE XXXX XXXX ACCOUNT IS BEING REPORTING DIFFERENTLY TO TRANSUNION, XXXX AND XXXX AT THIS TIME. MORE SPECIFICALLY WITH XXXX. PLEASE SEE XXXX XXXX REPORTS ATTACHED. 

REPORT DATED XX/XX/2022 SHOWS A LATE FOR XX/XX/2022. 
REPORT DATED XX/XX/2022 SHOWS XXXX LATES WHICH IS HOW ALL XXXX BUREAUS SHOULD BE REPORTING. 
REPORT DATED XXXX/XXXX/2022 SHOWS A LATE FOR XXXX/2022. 

PLEASE DELETE THIS TRADELINE FROM MY CREDIT ASAP AND/OR REMOVE THE LATE PAYMENTS.

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 2023-06-07
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After reviewing my credit profile on XX/XX/2023 I identified a discrepancy with account listed under SUNRISE CREDIT SERVICES and validation was requested as this was an account that i did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is still reflecting on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the accounts continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.

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 2022-07-25
Company: ACIMA CREDIT, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took this furniture lease through XXXX XXXX. They offered a XXXX day pay off option. I set the payment to debit at the due date and waited for the remainder of the payoff after already paying off more than half. 
They did not try to collect the funds per XXXX XXXX XXXX XXXX and my statement that was on the attached. 
I submitted them this documentation and they are saying they attempted and the bank returned the payment. 
My bank told me that every attempt would at least show on my statement and they are not telling me the truth. 
They will not honor the XXXX day purchase option and are trying to collect over {$1200.00} more from me now. 
They are trying to scam me and overcharge. It is hard being poor and these people pray on XXXX folks who are struggling and trying so hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On or about XX/XX/2023 my holding company XXXX primary accounts accepted payment of XXXX dollars through PayPal services.for services rendered in the DETAILING of a R.V. PayPal without or prior notice decided to put a hold XXXX dollars of my money.after taking there For 30 days. Claiming I have maid more than XXXX in XXXX month. After spend most of the day trying to contact a real customer service person and dealing with there chat box AI. I decide to file this complaint. Paypal is not a policing agency and what they have done is the equivalent to myself cashing a check and the business take there fee then informs me they are keeping a portion of my money for 30 days for whatever reason they can think of. Do you understand the interest alone not including loans repayments if they do this to thousands of people.I need my money and they have no rights to do this XXXX illegal act. Usually I use XXXX  or XXXX  XXXX  just so happen this customer wanted to use PayPal.this company should be investigated by the FTC.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
IRP Registration Services Toll Free Number : ( XXXX ) XXXX Email : XXXX Website : XXXX : XXXX This company misrepresented itself as the IRP office for the State of Georgia offering to register my tractor. I was preoccupied due to death in my family and gave them my credit card info. When I realized it was not the State. I had Capitalone reverse for the charge. Capitaone then reinstated a charge for services I did not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Resurgent Capital Services, I am writing to follow up on my previous letter regarding the debt that is currently on my credit report. As mentioned in my previous correspondence, I did not receive any notification or validation of this debt, which I believe was sent to an old address of mine, located at XXXX XXXX XXXX XXXX, XXXX, NY XXXX. 

I would like to bring to your attention that I have previously disputed this debt through XXXX XXXX, and the company responded that the " Account information disputed by consumer, meets FCRA requirements. '' This clearly shows that I have requested substantiation of this debt, and I have not received any response from your company. 

As per the Fair Debt Collection Practices Act ( FDCPA ), debt collectors are required to provide written validation or substantiation of the debt within five days of their initial communication with the consumer. If a consumer disputes the debt, the debt collector must cease all collection activities until they provide the requested validation.

Furthermore, I would like to clarify that I have not lived at the address where the notification was sent since XX/XX/2020. Therefore, it is highly likely that I could not have received any notification regarding this debt sent to that address. 

Therefore, I am requesting once again that you remove this debt from my credit report, as I have not received the required validation from your company. I have attached a copy of my previous dispute through XXXX XXXX for your reference. 

Thank you for your prompt attention to this matter. 
All documents attached to show that matter was disputed, plus previous dispute attached. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Transuion 's website promises a free credit report. The ONLY sign up options are paid accounts. When you click the link for a free credit report, it goes to a different website, https : XXXX. This promises reports from all 3 agencies. 

That form never works, so then it directs you to XXXX XXXX XXXX XXXX XXXX and this phone number XXXX. 

When you call that number, they have no idea what you're talking about, and can not help you with the 3 reports you were promised on the previous page that directed you to the phone number. 

This is intentional. There's no way they don't know none of the links work. Transunion is deliberately directing you away from thier website to a service that does not work. 

Can you please look into this?

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 2023-08-22
Company: State Collection Service, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continued to call me and refuse to tell me about what the debt is for unless I give my sons personal information. I blocked the number now they are sending me text messages

Company response to consumer: Closed with explanation