BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I filed for bankruptcy on XX/XX/XXXX and was discharged on XX/XX/XXXX. I have attempted to call and dispute with experian on multiple occassions with no response from them. On my report I have 2 bankruptcies that are shown on experian which are the same bankruptcy. They have the petition for bankruptcy on XX/XX/XXXX and also have the bankruptcy for XX/XX/XXXX. The reference number is XXXX and XXXX cmb. I have explained to the company multiple times that these 2 bankruptcies that they have reported are indeed the same. It is affecting my report with this company because it shows that I have 2 bankruptcies when it should only show 1. Any help at this point would be appreciated.

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 2023-05-31
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 am requesting again in regards to the inaccurate and unknown accounts on my credit report. There are multiple errors shown in my report. Please verify that all accounts are 100 percent true, accurate, correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these accounts and fix negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a victim of identity theft and have noticed accounts on my credit report which do not belong to me.Two of the accounts appearing on my credit report that I don't recognize are from : XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX. 

It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if Transunion is unable to provide me with a copy of the verifiable proof that they have on file for each of the accounts listed below they must remove these accounts from my credit report.

Therefore, I am requesting that you please send me copies of the documents that Transunion has in your files as of this date that your company used to verify the accuracy of the accounts listed below along with a complete compliant detailed breakdown of the three segments of the Metro 2 requirements including The Header Record, containing 18 fields, which ensures that the information was identified correctly by Transunion, The Base Segment, containing XXXX fields, which provides the specific account information for me, The Trailer Record, Containing XXXX fields, which summarized the data submitted to your bureau specific to my particular file. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g, I am expressing my right to demand that you disclose your compliance with Metro 2 and disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. NOTE : Please dont respond to my request by saying that these accounts have been verified because I have never been sent proof of such. Instead, send me copies of the documents that Transunion has in their files that were used to verify them. If they do not have any documentation in their files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly removed from credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
debt collection company called NATIONAL CREDIT ADJUSTERS has called my home many multiple calls since XX/XX/19 claiming some type of arrest warrant was issued at county clerk office in my county and i was to be arrested at my home or at work and to be sure i had a proper government id when they arrived if i don ; t pay them a debt that has been disputed for lots of years with no solution in site .they also called every one in my family multiple times discussing my debt and asking them would they pay up my debt collection also .they call a lot on fridays and say that by monday if i don't send a payment by prepaid debit card that everything will be sent to local county clerk office, but every one knows that no one ever come to my house .its just a scam that they do on people to scare them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX I purchased a vehicle with an extension of my consumer credit. At that time, I was not aware of Federal law, my rights as a consumer, or what " money '' is in general. Almost a year into the contract, I realized there are multiple violations in this contract with Capital One Auto Finance. Violations that would have never stuck out to me, if I didn't sit down and study, for months. 

On XX/XX/XXXX, a certified letter of my right to rescind the contract was delivered to Capital One, ( XXXX XXXX XXXX XXXX, TX XXXX ), as well as a copy of the contract with the violations I have found. 

VIOLATION 1. 15 USC 1692e- False or misleading representations VIOLATION 2. 15 USC 1635- Right of rescission as to certain transactions ( NEVER DISCLOSED TO ME ) VIOLATION 3. 17 CFR 260.11b-6- Definition of self-liquidating paper in section 311 ( b ) ( 6 ) VIOLATION 4. 15 USC 1605- Determination of finance charge VIOLATION 5. 12 CFR 360.6 ( 2 ) - Treatment of financial assets transferred in connection with a securitization or participation. 

VIOLATION 6. 15 USC 2- Monopolizing trade a felony ; penalty XXXX XXXX claimed I could n't drive off the lot/get approved unless I had a down-payment of {$10000.00} made out to them. Also, the contract buyer name and the name on the account for Capital One Auto Financing do not match up. My right to rescind the contract was not disclosed to me either. What am I supposed to pay when the law clearly states there is no money? And there is no way to " pay '' a debt? Only promises to pay? Gold and Silver is the only lawful money and that can't be used in Commerce. Why is there an additional interest in MY property that came from MY consumer account tied to the UNITED STATES? I'm aware this contract is a promissory note and has already been cashed, and God knows what else, traded 10 times already? This vehicle is already paid. I did not agree to a commercial contract either. This is not for buisness purposes. It is for personal, family, and or household use. All debt is the obligation of the United States. A total of {$14000.00} has been paid onto a piece of property that's already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: AMERICAN INTERNET MORTGAGE
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my home in XX/XX/XXXX. I was told at the closing table that I would receive my escrow refund within a month. I went online and got a form from Aimloan to change my address to ensure they got my new address. 

When over a month went by and I didn't get the refund, I called Aimloan. They said they had mailed the check to my old address. I had my mail forwarded, but for some reason it didn't get forwarded. I then asked them to change my address again, to ensure it would come to the right place. They told me they would send a check immediately. I never received a check. 

I called back several times. Once I got an agent and they told me their computers weren't working so they couldn't help me. Another time the agent told me they had my address wrong, so I had them change it again. In XX/XX/XXXX I called and was told a check would be sent to my correct address immediately. Finally I called again in XX/XX/XXXX because it still had not arrived. The agent told me I should not expect to receive the check before 60 days had passed. 

It is now XX/XX/XXXX and I still have not received my escrow refund. The law says 20 days. It has been 7 months. I have called no fewer than 6 times to resolve this. I have also mailed an address change form. All the agents I have spoken to have told me different things about where the money is and how long it should take to receive it. At this point, I think I am never going to receive it and further calls to Aimloan customer service aren't going to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: Navient Solutions, LLC.
State: HI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am a retired XXXX. I taught for 20 years at a XXXX XXXX XXXX on the rural island of XXXX. Several years ago I did all of the paper work to have my loan forgiven because of my work on XXXX. XXXX XXXX/Navient denied my request because they said I had consolidated my loan several years before which made me ineligible for the Forgiveness Program. This seems rather specious to me. I went back to get my XXXX after 17 years XXXX  at XXXX XXXX XXXX and I continued XXXX on XXXX for 3 years after receiving my degree. I think Navient violated the intention of the Federal XXXX Forgivess program. Thank you for considering my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am looking to correct some errors and update my credit file. I noticed that there are some addresses and information that are not correct. There were some addresses that I noticed that belong to a family member but I myself never resided at the following 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 My only address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX

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 2019-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE AUTO FIN has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have contacted Equifax and XXXX with multiple disputes for inquiries I do not recognize nor have given consent to. Upon contacting the 2 bureaus they have only responded with they believe they are mine, without providing any ( wet ) original signatures, proof of ID or any correspondence with the companies responsible for running it. Upon sending multiple disputes I have found no luck with either of them and this issue continues to impact my credit score and worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States 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 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 2022-06-02
Company: EQUIFAX, INC.
State: CA
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:
Here are the inquiries that are showing on my credit report and I need them removed ASAP 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 response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

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 deletion 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 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02
Company: EQUIFAX, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information 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 non-monetary relief
Consumer complaint received 2022-06-02
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$9400.00} ; XXXXDEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$3600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$6600.00} ; XXXX/DEPT OF ED XXXX Date opened XX/XX/XXXX Balance {$1000.00}.

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 2023-09-15
Company: Winklevoss Exchange LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Background : Since XXXX, I've been a committed Gemini customer, consistently using the same approved bank account for deposits and a whitelisted wallet for withdrawals. Between XXXX XXXX XXXXXXXX, I deposited {$66000.00} via ACH which cleared by XXXX XXXX XXXX. Despite my longstanding trust in their platform, Gemini unexpectedly placed my funds under a 'security hold. ' Invasive Review Process : In the subsequent review, Gemini 's inquisition was notably intrusive : Questions about my salaried earnings. 
My intentions with the proposed withdrawal. 
My introduction to Gemini. 
For this review, they demanded evidence of income through bank statements, paystubs, and a specific selfie with my face, ticket reference, and passport. However, the reasons behind this 'security hold ' and its expected duration remain undisclosed. 

Communication Barriers : My attempts at dialogue with Gemini, whether on XXXX, XXXX, or email, are met with slow or non-existent feedback. Their absence of live support amplifies my frustrations. 

Emotional Impact : Having {$66000.00}, a sum representing years of diligent work, in a state of limbo is causing me immense stress and anxiety, deepened by the ongoing ambiguity from Gemini 's end. 

Requests : A transparent rationale for this sudden security hold. 
A clear indication of when I can expect a resolution. 
Enhanced and more responsive communication avenues from Gemini.

Company response to consumer: Closed with explanation