BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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:
This credit bureau continues reporting missed payments against me on an account under XXXX XXXX XXXX XXXX. I have attached a copy of the late payment forgiveness letter I received from the XXXX XXXX. The credit bureau needs to update everything to 'Paid as Agreed '. I have never missed a payment on my credit reports ever.

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 2023-05-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
THIS IS NOT A DUPLICATE COMPLANT. I'm not using any third party for this matter and represent myself by myself. I'm sending this complaint because I have pulled up my credit report just recently and I noticed some hard inquiries from companies that I did not give consent to access my credit reports ; I am very concerned about all activity going on with my credit reports these days. I immediately demand the removal of these inquiries to avoid any confusion as I DID NOT initiate these inquires or give any form of consent electronically, in person, or over the phone. I am fully aware that without permissible purpose no entity is allowed to pull my credit unless otherwise noted in section 604 of the FTCRA. The hard inquiries that are being disputed, do not belong to me. My position is being clearly stated, these hard inquiries do not belong to me, meaning that you are reporting inaccurate information within my credit file. YOU are reporting the INQUIRIES that are the result of the fraudulent activities. Therefore, these inquiry must be deleted from within my credit file. Inquiries that are made by someone else without my authorization is not a factual record of access to my credit file, it is a factual record of fraudulent activity, and it must be addressed as such. The reason that this Inquiry is being disputed is because it waw not made by me, and when I report this to you, it is your responsibility to investigate my claims, and when you can not prove that this inquiry was made by me, they must be removed from my credit file. I have filed FTC report for this matter. Here are the list of these fraud items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; Please remove these items from my report as soon as possible, I have included the copy of my SSN, driver license, proof of address and copy of FTC report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-23
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: Investigation took more than 30 days

Complaint:
I sent a letter out on XX/XX/XXXX to XXXX, Transunion and XXXX ; My tracking numbers are XXXX, XXXX & XXXX. It has been more than 30 days and the credit bureaus failed to send my investigation back. 
According to the las 15 U.S. Code 1681i Procedure is case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information or delete the item from the file in accordance to paragraph ( 5 ), begore the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The name on the account is incorrect. I have tried to fix the issue with the company or to see when this account was opened, but I have not been successful. I request my account be deleted and updated on all 3 credit bureaus, since it is not me and the has false information is negatively impacting my credit score.

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 2023-09-19
Company: EQUIFAX, 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'm XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
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 response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 XXXXXXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/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 2022-12-09
Company: Coinbase, Inc.
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have a cryptocurrency account with Coinbase XXXX and Coinbase. I received several text messages claiming to be from Coinbase stating that someone has changed my password so I tried to log into my account at Coinbase XXXX but it kept stating wrong password and when I tried to reset my password it was sending a link to the email associated with the account but which I NO longer have access to, because I changed my email to new one and I no longer can access that email associated with the Coinbase cryptocurrency account. So I called the customer support at Coinbase and the representative refused to help me in any way to retrieve my account and refused to help me access my account again. When I called I locked the account so nobody can access my account until I resolve the issue of wrong password. Now I am locked out of my account and since I dont have access to my email associated with this XXXX account then I can not access no of Coinbase XXXX and Coinbase accounts and they refused to update my email to the new one. So if I dont have access to my email account then I lose all my money????? 
This is FRAUD by Coinbase XXXX Coinbase is scamming me by not letting me access my account and stealing my money. This company Coinbase needs to be investigated because they are committing fraud and scamming me out of my money. 
I want to update my email to the new one and have access to my accounts by resetting my password at Coinbase XXXX and Coinbase. 
I want Coinbase XXXX to contact me immediately and update my email and help me log back into my accounts at Coinbase XXXX  and Coinbase The email that is associated with the accounts which I do NOT have access to anymore is XXXX And my new email address now is XXXX I can provide Coinbase XXXX with any identity verification so I can access my accounts again but it is illegal for Coinbase to say I lost my account if I dont have access to the email associated with it. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-23
Company: Guild Mortgage Company LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed a mortgage loan with this company. I was not only delayed 5 days, during which time I was rendered homeless, but I was also unnecessarily charged {$810.00} at closing to " buy down '' my rate. Though the official Closing Disclosure which was reissued to me on XX/XX/2018, it wasn't explained to me that I was being charged .375 % of loan amount for " points. '' The lender, XXXX XXXX, sandbagged my loan though I explained on XX/XX/2018 that serious circumstances existed which may affect my ability to qualify. Instead of advising me at that time that they would not be able to fund me, that it might affect my rate, or that my closing date might need to change, we moved forward unbeknownst to me that my loan was in trouble. We didn't have a substantive dialogue until XX/XX/2018 around XXXX ... 3 hours after I could officially terminate and receive my Earnest Money back under the auspices of not being able to qualify for the loan. Again, if customer service would have been stronger and very important details would hvae been communicated to me during the mortgage process, I would not have been blind-sided by their charge. On XX/XX/2018 they informed me of their proposed " new rate '' of 5.5 % which, to me given the fact I'd disclosed the change in financial circumstances, was a money grab by Guild Mortgage plain and simple. 
I am especially disappointed in XXXX XXXX, the branch manager. He blamed me for the loan not closing and laughed at me when I told him that Guild Mortgage should pay for my hotel expenses due to his company 's inability to fund me on time for closing : XX/XX/2018. Instead of reassuring me that we would close the loan as soon as possible and to the best of their abilities, he told me it was my fault that the loan wasn't closing on time - I explained that I had told XXXX XXXX about the circumstances which had changed which could affect the loan closure and he remained adamant it was my fault. Along the way, I voiced my complaints about their business to both XXXX XXXX at the district level and XXXX XXXX VP at corporate..to no avail. Their customer service is terrible and consumers need to know how they conduct their business, especially about their confusing fees which are revealed at the closing table like my {$810.00} charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the fair Reporting act XXXX Account # XXXX, have violated my rights. 

15 USC 1618 Section 608 A 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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open and consumer credit plan at late for purpose.

I have remained very humble throughout last year & these last 4 months despite all the stress, abuse and harm that EXPERIAN, XXXX, & XXXX has caused me. I have had a enough of all the abuse and unfair practices from EXPERIAN, XXXX, & XXXX. pursuant of 15 usc 1681b ( 2 ) I didnt give EXPERIAN XXXX XXXX XXXX & XXXX any form of written instructions to accept, furnish or report any information on my behalf by the powers vested in me by the one TRUE living XXXX I hereby DEMAND that all negative accounts, Late payments, charge offs, that was not Authorized or Verified.

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 2018-06-01
Company: Nelnet, Inc.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I consolidated my loans in XX/XX/2011 and they are now being serviced by Nelnet. Their online system is terrible and there is no way to accurately track where my payments are going. The way my monthly payment is allocated changed in XX/XX/XXXX, and I did not receive any notification. The people I have spoken to indicated it may have been sent electronically, I received no email and there is nothing available in the online portal. 

I have also begun making extra payments, and they are not being allocated in the manner that I directed. Every time I call and speak to a different person, I get a different answer about how my loan payments are being allocated and why.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I keep receiving a bill from my PayPal account. The account is ending with XXXX. The current balance as of XX/XX/2023 is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. Sychrony Bank/PayPal Credit keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using PayPal. Please contact the Synchrony Bank / PayPal Credit to fix this issue and recover my credit score as soon as possible. 

I am a person with higher education XXXX XXXX XXXX I studied at XXXX XXXX and XXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, 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 2023-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Ive called XXXX numerous times to request a statement that reflects my name, account number, and current balance. They either refuse to send this to me or state they have, though nothing has been received. I asked them to at least update the credit bureaus with the current balance since its been over 30 days but they insist they have already. Ive called TransUnion and confirmed no update received for over 30 days. XXXX continues to lie to me and refuses to provide documents to me or updates to credit bureaus.

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 2018-12-06
Company: EQUIFAX, INC.
State: CA
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 BEEN A VICTIM OF IDENTITY THEFT IN A PAST AND THESE UNKNOWN SUSPECT ( S ) USED MY PERSONAL INFORMATION AND FRAUDULENT ADDRESS TO OPEN SEVERAL CREDIT ACCOUNTS UNDER MY NAME WITHOUT MY KNOWLEDGE. I DID NOT RECEIVED ANY BILLS OR LETTERS UNDER MY CURRENT ADDRESS WHERE I HAVE BEEN SINCE XX/XX/XXXX. IN XX/XX/XXXX I WAS TRYING TO LEASE A VEHICLE AND A DEALER INFORMED ME THAT THERE ARE THREE NEGATIVE ACCOUNTS IN MY REPORT. I HAVE CONTACTED CREDIT BUREAUS AND PLACED A FRAUD ALERT. ALSO CONTACTED A POLICE STATION ( REPORT # XXXX ) AND FEDERAL TRADE COMMISSION. ALL THE PAPERWORK WITH MY IDENTIFICATION I HAVE FORWARDED TO CREDIT BUREAUS. I GOT A LETTER FROM XXXX AND XXXX XXXX CREDIT BUREAUS THAT THEY HAVE INVESTIGATED THIS MATTER AND DELETED THESE FRAUDULENT ACCOUNTS FROM MY REPORT. EQUIFAX INFORMED ME THAT IT COULD TAKE UP TO THREE MONTHS THEY TO REMOVE THIS INFORMATION. LAST MONTH I WAS TRYING TO GET A STUDENT LOAN AND I HAVE NOTICED THAT EQUIFAX DID NOT REMOVE THOSE 3 NEGATIVE ACCOUNTS FROM MY REPORT SO I HAVE BEEN DENIED TO GET MY STUDENT LOAN. I HAVE CONTACTED EQUIFAX BUREAU AND THEY VERY RUDELY INFORMED ME THAT WILL NOT INVESTIGATE THIS MATTER SO THIS INFORMATION NEEDS TO STAY IN MY REPORT FOR ANOTHER TWO YEARS. 
I HAVE ALL THE PROOF FROM THE INVESTIGATOR THAT I HAVE NO CONNECTION WITH THESE ACCOUNTS. NOW I HAVE CHOICE BUT TAKE THEM TO COURT FOR THEIR NEGLIGENCE BUSINESS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Carvana Group, LLC
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Please see attached CARVANA GROUP , LLC RESPONSE to my initial complaint # XXXX Also, see attached my NOTICE OF CLAIM TO INTEREST. 

I will no longer allow XXXX XXXX the Chief Financial Officer and his compadres to mishandle my securities. 

I also emailed XXXX, as requested in the contract for an initial claim to settle with arbitration and got NO REPONSE, so here I am-AGAIN!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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 2023-03-07
Company: Bread Financial Holdings, Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX comenity Capital Bank  has called three different times from unknown ior unidentified numbers. Spoke with XXXX who would not provide an address was told stop calling and asked to transfer to a manager. XXXX was rude threading and did not transfer the call. Comenity Capital Bank is the owner of the credit card for XXXX who has filed bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-17
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/23, my friend informed me that he made a domestic CA to CA wire to my Citibank account to repay the loan I had previously given to him. The following day I began to watch my account for the funds, but XXXX days passed and nothing was received. I contacted Citibank asking for status, and they informed I need the sending bank to issue a trace. 

I asked the sender to do so, at which point the sending bank informs me that Citibank contacted them for my XXXX XXXX/Reason for the wire. I passed the information along to them, and they replied the XXXX XXXX to Citibank. This was on XX/XX/23. 

So the following Monday, I called Citibank to inquire about the status, and still they don't acknowledge any wire. I Contact the sending bank again, and they give me the confirmation numbers and I advise Citibank, and they have no record of it. I visit Citibank branch and ask them to help, and they are also unable to see the wire. 

The sending bank informs me that they have been sending the asked for information daily, and Citibank has not issued a reply. We conference call Citibank, and they still dont acknowledge any wire. At this point, the sending bank informs they can try to recall the wire in hopes of bringing some attention to the wire, which I agree. That was yesterday on XX/XX/23. Citibank still has not responded or acknowledged any wire.

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 monetary relief
Consumer complaint received 2022-12-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX # XXXX {$670.00} XXXX XXXX XXXX # XXXX {$790.00} XXXX XXXX XXXX # XXXX {$1600.00} has violated my rights 15. U.S.C 1681 section 602 A. states i have a right to privacy.

15 U.S.C 1681 section 604 section 2 : its also states a consumer reporting agency can not furnish an account without my written instruction.

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 1681 section 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 explanation