BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2020, I reviewed my Transunion credit report because I am preparing to purchase a home. Upon review, I have a collection account from XXXX XXXX. When attempting to find out information about this company, I couldn't even find a legitimate website, verifying who this collector even is. I have never received any notification from XXXX XXXX notifying me of a debt. Nor did I ever receive any written notification from XXXX XXXX regarding my right to dispute debt within 30 days. I also was never provided with any documentation proving that I have any obligation to pay any debt. Further, I have never had any contract or obligation to pay XXXX XXXX  XXXX. I don't owe any money to XXXX XXXX, nor do I owe money to any third party XXXX XXXX claims to represent. XXXX has damaged my credit and violated my rights under FCRA and FDCPA. This account should be removed immediately, and if it is not, I will plan to sue to the fullest extent the law allows. Per the FCRA, all accounts on credit reports must be verified. Transunion is the only credit bureau that has this fraudulent account listed. This is illegal. Transunion and XXXX illegal and unwarranted actions have damaged my credit and my ability to obtain credit.

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 2023-02-08
Company: Experian Information Solutions 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:
In accordance with the fair credit reporting act Experian, XXXX, XXXX three major credit reporting agencies has violated my rights.

15 USC 1681 Section 602 states i have the right to privacy 15 USC 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

these accounts you continued to report as late payments XXXX XXXX XXXX  and 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 explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: GA
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 faxed, mailed and uploaded my disputes. I went to police and got a report, and I filled out the FTC as I was told by all three bureaus now that I have done all that and I spent money to send my disputes certified mail. I get no response. I called XXXX and they said I needed to get their credit monitoring service and that would ensure I could talk to a person and they made me feel like if I pay for their service they would remove the fraudulent items. They are not the only ones the other two bureaus did similar things all wanting me to pay {$25.00} a month in order for them to follow the FCRA. This isn't right and I am hoping the CFPB can correct the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

You were advised by me on ( XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX Account Number XXXX. 
Late Payment Inaccuracy Under 15 USC 1666B this is a billing error always paid as agreed on time this is an error this account in violation. 
Please remove it from my credit reporting information! 

Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful.

I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. 


Please take notice that this letter dated XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request 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 2022-11-13
Company: NAVY FEDERAL CREDIT UNION
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Account compromised account frozen closed transactions and information not received also account numbers not available checks not found Appeals not answered or received Bank card access denied with no explanation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
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 XXXX. XXXX XXXX Account # 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 - In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # 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 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 2023-11-02
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Today XXXX XXXX XXXX I attempted to purchase gas with my Conoco card and was told that the purchase was denied. When I arrived and called customer service, I was told that my account was closed. There was no notice of this closure. There is no reason for this closure. Living in XXXX XXXX as a XXXX citizen the closure of my card creates difficulties. 

My account has never been late in payments and in fact, I have had a XXXX payment due for my account for sometime. I do n't drive much and pay of the total balance each time a purchase is made, In fact, often before the payment due date. 

The customer service representative said that a letter would arrive and was sent on the XXXX of this month -- did he mean XXXX  Because today is the second. To date, no letter was received. 

The representative said that the reason was based on too many credit cards : I have less than average and none of these have been late in payments. 

There was not justification to close my account and as far as I can assess the action was discriminatory. And i believe that if a review of this company 's closure of accounts is made, I feel sure that there are many others who have received account closures with out justification. it may be evident that their is a higher percentage of closure with out justification for women and also people that are XXXX XXXX in ethnicity. An investigation will be able to assess this. 
Nevertheless, my account should not have been closed..

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 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2021-10-16
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Dear Sir or Madam, I am submitting a complaint claim to you because I have tried to contact Coinbase on several occasions via email with minimal help- this matter was never resolved and the company just stopped replying to my emails. This company Coinbase always replied by sending a automated email to my request. Currently the account I have with them I am unable to access it - the account states sorry we can not fetch your portfolio balance at this time... this message has been posted to my account for 6 months. I can not make any transactions. The sum should be {$500.00} last time I checked. 

The following dates are as follows of emailing Coinbase XX/XX/21, XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21,XX/XX/21

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-16
Company: Experian Information Solutions Inc.
State: TX
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:
I have been sending information and notifications to the bureaus for months to dispute some accounts that are in my credit and I think they are not accurate, and they have never answered to this. The have never responded to me, even by email. According to the law, they have to report what is happening with my case. I think this is unfair that I have to come to this for them to take me into account.

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 2023-04-21
Company: CREDIT ACCEPTANCE CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I purchased a XXXXXXXX XXXX XXXX through a used car lot called XXXX XXXX XXXX XXXX in XXXX XXXX XXXX of XXXX. The loan was serviced through Credit Acceptance. The owner of the XXXX XXXX XXXX XXXX fraudulent promised me a XXXX XXXXXXXX XXXX and the terms of that loan were already discussed when she claimed the car needed to be cleaned and repaired in which she had me driving a loaner XXXX XXXXXXXX XXXX which is the car I have now. XXXX dollars was put down as the down payment plus another XXXX to guarantee me getting the XXXX XXXX XXXX. She sold the car to someone else and left me with the XXXX. The terms of the loan are outrageous and not even close to the amount we discussed. She emails me all the time asking for more money and her business has since closed.

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 2023-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 called Transunion as well as XXXX to dispute a number of hard enquiries that I did not authorize and have no knowledge of. I was told on two seperate occasions that the enquries would be removed and that I would receive email notification of the deletions. Nothing has happened as of yet. I informed them both that I was actually in jail at the time of most of these enquiries. I recently lost all personal documents in a house fire, so exact dates of these calls can not be given.

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 2023-08-21
Company: Credit Corp Solutions Inc.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I opened a XXXX XXXX  account in XXXX. This account was paid and terms met in XXXX. This company then sold my account to Credit Corp Solutions in attempt to get payment on a debt that was previously paid and closed. I am now being sued in XXXX for XXXX when my initial credit limit was XXXX. My credit report shows that this account is paid, closed, and in good standing. However I am being sued for money I dont owe. I have tried to speak with XXXX XXXX  to attempt to get my account statements. They are refusing my requests and refusing me access to this old account. Credit corp solutions has now sued me to attempt to collect a debt that was paid. They have not sent me any validation of debt or statements from synchrony with my purchases or signatures opening this account. They only have sent me statements of debt from XXXX which is completely absurd as this account was closed in XXXX of XXXX. This is wrong! I have sent credit corp solutions proof of my credit report of this account in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-12
Company: ARVEST BANK GROUP, INC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
The last complaint we submitted was misunderstood, and misinterpreted by ARVEST. 

In the said complaint we are clearly referring to the XXXX modification, which was the consequence of the XXXX Financial Mortgage Fraud.

As we said before we will examine the loan in its detail and eventually we will contact ARVEST and this Agency in the near future. 

We have requested from ARVEST a copy of a complete History of the Loan from its Origination in XXXX until the Present. 

Thank you for your attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have experienced problems with Coinbase , Inc . 

The problem I am experiencing is that the net invested amount ( showing on the Coinbase website and the Coinbase application ) is not matching the amount that I have invested according to my transaction report ( from Coinbase ) and the transaction history from my personal bank. This difference is not explained by any fluctuations in the asset value, since the net invested amount is supposed to show how much money I have invested on the Coinbase platform, regardless of the fluctuations in any asset. According to the transaction report, I have invested XXXX USD in different assets on Coinbase ( this is the amount invested after all fees ), while the net invested amount on the website and the app has shown lower amounts than this. The amount that has been shown as the net invested amount ( on the Coinbase website and app ) has varied from XXXX USD up to 1952 USD. This was the case when I first filed the complaint on XXXX. However, it is no longer possible for me to view the net invested amount. This according to the support team is due to my location being XXXX, but since I have been located in XXXX ever since I set the account up with Coinbase, this explanation is not sufficient. 

I have had email contact with the Coinbase support team ever since XXXX. I have had to open new cases twice ( but with the same topic ) due to them being closed even though my issue has not been resolved. I have had to consistently reach out after waiting 10-14 days for a response. The answers I have gotten have mainly consisted of troubleshooting measures that I have completed multiple times without any success, and then not receiving any answers dedicated to answering my very serious inquiry of fund imbalance on my Coinbase account. 

In sum, my problem is that I have less funds in my Coinbase account than what the transaction report ( from Coinbase ) and the transaction history from my personal bank are showing. This problem has been dealt with very poorly by the Coinbase support team as I have had to wait long periods for responses ( sometimes even having to reach out myself ) and the few answers I have gotten have been insufficient in dealing with my specific problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
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:
I made and uninformed decision when I applied for this card. It wasnt clear to me. ( law 15 USC 1602 ) So the agreement is fraud and a violation. 

Also They dont have permission to report on my consumer report with out my permission. 

XXXX bank ( XXXXXXXX XXXX ) XXXX XXXX bank ( XXXXXXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( XXXX ) XXXX. XXXX  XXXX XXXX XXXXXXXX XXXX  ( XXXX ) XXXX. XXXX XXXX XXXX XXXX  ( XXXX ) XXXX. XXXX ( XXXX. XXXX ) XXXXXXXX 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 explanation
Consumer complaint received 2023-09-22
Company: MoneyLion Inc.
State: OK
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
Company will not provide XXXX as this is a charged off debt. Company sent a XXXX which is incorrect as this is not a an account where stocks, bonds, or other securities were exchanged. Will be submitting a XXXX form to the irs to have company audited for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: EQUIFAX, INC.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S.

Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974.

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 
ONLY : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Inquiries - personal name reported as inaccurate per - personal date of birth - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief