BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft ; Im writing to you to inform you that someone stole my information and opened a credit card under my name. Im requesting you to remove the account from my credit report ASAP. This is a fraudulent account in my credit report. Here are the details. 

XXXX XXXX, XXXX - XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Yesterday, on XX/XX/2023, {$1000.00} was deposited at the ATM terminal, located in the front of the bank. I deposited {$1000.00} and the money still hasnt been credited to my account. I contacted the bank yesterday, and I called them today, I also called the corporate office and spoke to a teller at the site : TD Bank XXXX XXXX XXXX XXXX XXXX , NY XXXX I was asked to come into the location and speak to a CSR, and they did not assist me or provide any assistance with this transaction and the ATM issue. 

In the past, mostly of recent, there have been numerous instances where debit cards have been ordered for my checking account and the numbers for the cards associated with my account have been placed to be viewed within the online banking modules. When I asked the CSRs, tellers and bank manager at this site, they all told me that they can not remove the cards that were linked to my checking account and did not provide any information that was related to the cards that were associated with my checking account. I never consented or I never requested these cards to be ordered for my account. 

The banking team at this branch has provided my US Passport to others without my consent by the accessing of my storage box. In one visit at this site, one of the CSRs provided information to me that my friend, XXXX XXXX, came into the bank and impersonated me. The CSR told me that I looked exactly as XXXX XXXX and he looked exactly as me. I asked the bank manager if he knew this person, and he told me that he did not, and he also told me that he does not know his ex-bf, named XXXX, whom was once a teller/CSR at this site. The bank manager provided information to me that him and his team was not acquainted with this individual ( XXXX ) and the entire team was rotated and the members of this team were entirely new to the site. 

I have been told by numerous people that I know that XXXX XXXX has been impersonating me, and forging my signature. I am concerned that XXXX XXXX may have been the person to access my safe box.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: EQUIFAX, INC.
State: PA
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:
PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION. THIS IS A COMPLAINT THAT IS NON INFLUENCED FROM ANY PARTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Apparently, I dont have a credit report that exists on any of the credit bureaus. So whenever someone goes to verify my Social Security number through the credit bureaus it says that I dont exist and the numbers dont match.

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 2023-10-21
Company: EQUIFAX, 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have recently disputed derogatory and inaccurate accounts of public records information on my credit report to which Transunion continue to respond with such items being verified by the furnisher. I have requested several times that Transunion provide me with their verification method, only to be met with resistance and that I should contact the furnisher where such information would be stored. I have contacted the Bankruptcy Courts, to which the Bankruptcy Court responded : The Bankruptcy Court does not report information to the Credit Bureaus and can not remove information from the credit files. I have since then contacted the third-party furnisher XXXX XXXX to dispute the derogatory public information items, which have been removed from my public records. XXXX automatically removed the disputed public records information from my credit report, which concludes that Transunion and XXXX are in direct violation of my consumer protection rights, according to the FCRA. Under the Fair Credit Reporting Act, nothing is mentioned in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order of relief. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law, and a claim filed may never have been adjudicated. Therefore, Transunion has no right to maintain information that the government has deemed nonexistent. I am also seeking a consumer protection attorney to assist with litigation, and I would much rather avoid a timely and costly legal matter. In the attached documents, you will find : Dispute Letter XXXX Complaint Details Correspondence from my local Attorney General Copy of the Bankruptcy Courts response XXXX XXXX : Results of Reinvestigation XXXX item ( XXXX ) deletion report Method of Verification Letter Transunion Order of Dismissal ( 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 2017-08-05
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:
I review my credit and there is XXXX unauthorize inquiries on my credit reports with XXXX, Equifax, XXXX.
Here is the list of Hard Inquiries 1.XXXX .dated XX/XX/XXXX.
2.XXXX XXXX.XX/XX/XXXX.
3.XXXX XX/XX/XXXX 4.XXXX XXXX. XX/XX/XXXX 5.XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.XXXX XX/XX/XXXX 8.XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX .XX/XX/XXXX 10.XXXX XXXX XXXX XX/XX/XXXX 11.XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate and incomplete that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate and incomplete information showing. I was advised by a legal friend of mine that under XXXX5 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 

Please investigate if every piece of information is correct starting with the List of accounts. If not, please remove it from my credit report Immediately. 
Inaccurate and Incomplete Information 1. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1681N - CIVIL LIABILITY FOR WILLFUL NONCOMPLIANCE XXXX  XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

4. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXX Account Number : XXXX Delete from my Credit report. 

5. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please remove it from my 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 2023-07-06
Company: EQUIFAX, INC.
State: NJ
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:
ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX ( XXXX XXXX ) # XXXX - IDENTITY THEFT XXXX XXXX Account # XXXX - IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-14
Company: PNC Bank N.A.
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have been experiencing multiple issues with my home mortgage loan application and processing. Loan officers would not respond to my e-mails, reps informing me that I would receive a phone call from a supervisor within 48 - 72 hours and never received a call back, etc. 
I have been working with XXXX XXXX 's team with horrible communication breakdown. 
I received a voicemail from XXXX on XXXX requesting a call back. I e-mailed XXXX reminding her that my preferred method of communication was e-mail. And if this matter had to be discussed over the phone. If it was a matter that had to involve a phone call, she could leave me a detailed message and I would respond via e-mail. I have not heard back from XXXX. I left a voicemail to her supervisor, XXXX and also an e-mail on Friday, XXXX. I have not heard back from XXXX on Friday, XXXX and I received another e-mail from XXXX  requesting additional documents including my home insurance documents. My home insurance company contacted me stating that he needed more information on order to submit what PNC was requesting. However, no one was responding and he could not submit the required document. 
XXXX finally contacted me on Tuesday, XXXX and stated that she never received my voicemail not my e-mail. While talking to XXXX, she never apologized for anything, had lack of sympathy, and appeared to be apathetic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX should not be reporting to Equifax and XXXX  a chargeoff in the amount of {$1100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance at the time and the claim was paid in full. There is no outstanding balance due and therefore there is no collection/chargeoff to report. ( I have attached a copy of the check from XXXX for {$6100.00} dated XXXX along with a letter confirming the payment from XXXX XXXX dated XXXX. ) This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed from my credit report. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted XXXX as well as the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the accounts referenced above. I have been a victim of identity theft, accounts that I didn't open has been posted in my credit report, I haven contacted the creditors myself and have been unable to get them to verify that this is indeed my debt. I have asked them to validate these accounts. This accounts are not mine and I was given no evidence of them been mine, I urge you to remove these items.

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 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning incorrect employers reporting on my credit record. This information does not belong to me. I need this fraudulent information removed 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 2023-06-08
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX Account number : XXXX Account name : DEPT OF EDUCATION/XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXXXXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.

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 2022-10-04
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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase placed 60-day restriction on my account because I had allegedly tried to send funds out of an account that was not mine.I have no recollection of doing anything of the sort. [ thought it is a tricky and confusing process to transfer money/crypto around in this world of scammers ]. After several phone calls to Coinbase and XXXX XXXX, I was conceived that my funds were safe, and I would wait out the restriction. Now, the restriction lift date has come and gone and Coinbase refuses access to my funds and, more concerningly, they refuse tell me why, and if they dont tell me why, then I can not respond. They say they have no obligation to explain their internal decision making process ''. 

I can only think there might be some collusion between Coinbase and the well documented, scammer platform XXXX. It seems a bit Kafkaesque that Coinbase can hold on to my funds and not have to tell me why!! Any input, comments or recommendations for next steps would be very much apricated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: The CMI Group, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the 3rd or 4th time this debt has shown up on my XXXX  report since XXXX of 2019. I've fought it, disputed it, tried police reports and it continues to get purchased by new debt collectors and resubmitted. Why am I paying for a monthly service to protect and monitor my credit ifXX/XX/XXXXcontinues to " deem the information as accurate '' when I have never lived in Louisiana? I have shown that I have lived here in Ohio my entire adult life yet somehow someone gets a hold of my information in Louisiana at XXXX XXXX somewhere in XXXX XXXX and they decide that it's " accurate ''???? Then when I speak withXX/XX/XXXX they leave notes about my previous complaint like they didn't do anything wrong? Its ridiculous and unacceptable that I continue to pay for a service yet I have to spend my time researching and fighting to clear my name when all they have to do is look at my billing addresses for the past 10 years and know it's not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-22
Company: Navient Solutions, LLC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with Navient ( XX/XX/XXXX - XX/XX/XXXX ), I never missed a payment. After I got denied for employment and housing several times I decided to get a credit report. My credit report states that Navient reported that I missed 30 payments. The truth is I never missed a payment. Navient is fraudulent and they work against their customers best interest. I spoke with a mean customer service supervisor named " XXXX '' if that's her real name. XXXX did nothing to solve the problem, XXXX made the problem worse. She wanted to argue for hours instead of removing the fraudulent reports on my credit report due to bugs, glitches, computer system errors, a conspiracy to ruin my future for no reason. I suggested that XXXX should inform IT to get the problem fixed and she ignored my suggestion. Finally after Navient/XXXX took no accountability for their actions I consolidated my loans with another company. I no longer do business with Navient because their company is involved in fraudulent activities like ruining innocent Americans credit reports for the XXXX of it! I will never do business with this company again. The customer service is terrible and you can not do business with Navient 's customer service agents due to strong accents, lackadaisical attitudes and frivolous banter about everything besides the reason you called. At this point ( XX/XX/XXXX ) Navient does not have a reason to report to the 3 credit bureaus about me since I no longer do business with them.

Company response to consumer: Closed with explanation