BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-11
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:
I received an alert from my XXXX app informing me that XX/XX/2023 my account shows XXXX  days delinquent. I called the XXXX XXXX. However, I am currently in a forbearance and have been for months. This is the 2nd time that this has happened, I have been impacted and my score has dropped XXXX points because of this. I will like this immediately rectified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-17
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Best Buy closed my credit card account due to my credit score/history. I did not authorize the company to pull my credit. Also, I have never been late making payments to this credit card. I in fact I just recently paid it off. A few months ago, I could not keep up with some of my payments due to having COVID and was off work for approximately one month. I am an XXXX XXXX and have been caring for XXXX  in XXXX XXXX due to XXXX. Also, I, unfortunately, started a program back in XX/XX/2021 with XXXX XXXX in order to get control of my credit card and student loan debt. They pushed me to not make payments to a number of my accounts which has made my credit score drop significantly. I am now working over 60 hours a week to make all my payments and have not been late since I have quit the program with XXXX XXXX. I really don't see how a company can treat its customers this way, especially during a pandemic. It's a struggle for everyone, and they are making it worse. I have been a loyal customer to Best Buy and as I said earlier NEVER late making payments on my Best Buy credit card.

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
Time has already passed but up until now, I havent heard any kind of response from the Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and to give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to correct the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned about : 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 2018-03-09
Company: Santander Consumer USA Holdings 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: Information belongs to someone else

Complaint:
XX/XX/XXXX - I sent notification of dispute by mail to XXXX XXXX  and did not receive a response. I will include a copy of the signed receipt of the certified letter. 
XX/XX/XXXX - I sent disputes directly to all three credit bureaus regarding the item. XXXX, XXXX and XXXX. 
XX/XX/XXXX - I received fraudulent documents from XXXX XXXX  with a signature that does not belong to me and XXXX XXXX  transferred the debit to a collection agency - XXXX XXXX XXXX, who is now reporting the item. 
XX/XX/XXXX - I sent a dispute by mail to XXXX XXXX XXXX regarding the fraudulent item.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-16
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was in a major accident and my vehicle was deemed a total loss. Ultimately the other driver was at fault and their insurance company paid out a large settlement to Global Lending Services. I also had Gap insurance which paid out and a refund should've been processed for the remainder of my extended warranty. This was not done resulting in me having a negative remark on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
I am writing to express my deep frustration and disappointment regarding your bureau 's handling of my identity theft claim. Despite providing extensive documentation and evidence, it appears that my case is not being recognized or treated with the urgency it warrants. As a victim of identity theft, I have endured countless hardships, both financial and emotional, due to the actions of the perpetrator who maliciously stole my identity. I reported this incident to your bureau on XX/XX/2022, accompanied by substantial evidence, including FTC reports, to substantiate the authenticity of my claim. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XXXX XXXXXXXX. Please delete these accounts ASAP.

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 2023-03-06
Company: Bread Financial Holdings, 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, this creditor ( Comenity Bank XXXX ) has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have submitted various disputes to the three bureaus Transunion, XXXX, and XXXX. My first letter was sent out XX/XX/XXXX and received by each bureau around XX/XX/XXXX and XX/XX/XXXX. The accounts being disputed are XXXX XXXX, XXXX XXXX, and XXXX for error and inaccuracy. 

XXXX XXXX : Transunion : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance- {$3000.00} Closed- XX/XX/XXXX XXXX : Balance {$3000.00} Closed- XX/XX/XXXX XXXX : Transunion : Closed Account XXXX XXXX Closed Account XXXX : Open Account XXXX XXXX : Transunion : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX XXXX : Closed- XX/XX/XXXX Due to 15 US Code 1681i 5 ( A ) ( i ), after reinvestigation of any disputed information from a consumer found inaccurate or can not be verified shall promptly be deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
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:
This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX 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 removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 privacy and confidentially under 15 USC 1681.

USC 1681 section 602 A -States I have the right to privacy.

USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1681 c ( a ) 5 No consumer reporting may make any consumer report containing any of the ff information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX Debt Buyer {$10000.00} Balance as of XX/XX/2023

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 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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: Their investigation did not fix an error on your report

Complaint:
My credit report is showing late payments to XXXX - XXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX - XXXX XXXX customer service representative.

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 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 reviewed my Consumer Reports and noticed that I had two to four late payments on an account that I was never late for. ( The late payments are different for each Credit Bureau ). I screenshot the attached payments from XXXX XXXX website. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. 

I have never been late on payments for the account : XXXX XXXX : starting with XXXX and ending in XXXX. The account is closed so I don't have access to the full account number. 

Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. 

Thanks, 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 2023-07-11
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To avoid a foreclosure sale, I hired a real estate company and had the home put on the market. There were several offers received from buyers. I signed a contract with the highest offer and submitted it to Mr. Cooper along with a short sale application. Mr. Cooper sent both a real estate agent and an appraiser to evaluate the property. About a month prior, my real estate agent also recommended I order an appraisal of the property. 

Mr. Cooper rejected the buyer 's purchase price and offered a counter offer. The buyer increased their offer by $ XXXX but wouldn't go up any higher based on the current condition of the house. I also submitted my licensed appraisal report to Mr. Cooper, which valued the home at $ XXXX. The buyer was only willing to pay $ XXXX because of the recent underground oil tank spill that caused there to be no hot water in the house. They were concerned about the potential cost of an environmental clean up. Additionally, there are tenants currently in the home that might remain after the closing and have to either be bought out or evicted, which is an additional expense. This was explained to Mr. Cooper and they were asked to reevaluate the value of this property. They rejected the counter from the buyer. 

We asked them to release their appraisal report and BPO that they were using as a means to reject the current contract price and they refused to release either report. I checked my statements and they had charged a fee for the valuation but said they were not obligated to share the reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: EQUIFAX, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$290.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello I woke up to my account being disabled for trading on XX/XX/2019, I did not received any email, text, notification or any other form of contact letting me know my account was restricted, I spoke twice to coinbase representatives during the day, the first one hang up the phone on me when I asked to be transferred with a supervisor, the second did not transfer me either, just kept saying " a specialist '' has to review my account, then I received a case number by email ( Case # XXXX ) I'm filling this complain because of the lack of communication and poor customer service from coinbase, I have been a loyal customer for many years, I also trade a lot of money monthly, I think im not receiving the treatment I deserve as a customer, you just can not disable a customer 's account without at least sending an email with an explanation. 

I have a balance of {$270000.00} on my account which I use to trade, I trade for a living so I don't have any other form of income, that's why im trying to get this solved as soon as posible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
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 XXXX, Transunion, and XXXX to reinvestigate these accounts : DEPT OF ED / XXXX XXXX DEPT OF ED / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-13
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
After contacting XXXX with regards to this collection account, XXXX informed that there is no outstanding debt or equipment owed to them which mean this is a fraudulent account and clear violation of rights under FCRA.

Collection agency is causing harm to me financially and punitive harm. 
Account # XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Informative Research
State: VA
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:
On XX/XX/2023 at XXXX ET a company called Informative Research made an unauthorized credit inquiry and pulled my credit report. I never heard of the company before. I looked them up. They are located at XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I called them at XXXX within an hour of the credit pull. The VM said to email them.

Company response to consumer: Closed with explanation