BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided. This is illegal, as each dispute and challenge must be addressed individually and on its own merits. My letters were created using software that is available to everyone. If you don't process my letters, you are violating 15 U.S. Code 5 1681i. Keep in mind, you are not allowed to delay processing letters from consumers based on the assumption that help from a third party may be available. This is not a legal exception. I am the author of any letters you receive with my name on them. Either I or my advisors wrote them with my full knowledge and consent. I am aware that there is no law that says you need to provide a Power of Attorney in order to delay processing letters from a consumer. If you do not process my letters in a timely manner, I will consider it to be an intentional disregard of my rights as a consumer. I will then contact my lawyer to take legal action.

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 2022-11-16
Company: EQUIFAX, INC.
State: UT
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 am a consumer attempting to correct inaccurate and unverifiable information on my consumer report. There is information that is in violation under the Fair Credit Reporting Act. A specific account which is a collection account on my consumer report is reporting inaccurately. The company has a duty to follow federal law and is in violation of the FCRA. This company has not properly verified this account. Please remove this account. 

Account : XXXX XXXX Amount : {$1200.00} Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Grain Technology, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I got a credit card with a company called Grain, I believe it was in 2021. I got it because I was building credit and I was preapproved for {$1000.00} without running my credit. It wasnt a physical card, basically any time I needed to use the credit card i requested an amount be transferred to my bank account from the line of credit. Fast forward to about 8+ months ago, they started acting shady. Using a third party company and forcing me to upload pictures of the front and back of my social security card, refusing anyone access to their account without this, and when I emailed them that I was uncomfortable and wanted more information, they told me that I wont be allowed access to log in to pay my card. They stopped responding to me, i complained that they have automatic payments coming out of my account monthly yet I wasnt allowed to see any activity on my card including the interest or balance and they turned off my payments without my consent to damage my credit. I filed a complaint with XXXX  after they finally locked me out and they briefly went back to responding, now its been about 2 months of them not responding again. I finally sort of got back in my account, and noticed that they offered an option to now upload your drivers license since enough people complained instead of the social. I did that, even though I was still uncomfortable, and now its been about 6 weeks and they still havent verified my drivers license through the shady unknown XXXX party, I still cant get in my account, and they still wont answer me. Surely I should be allowed to have access to my own card and better customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian fraudulently utilizing bait and switch patterns in response to violations being reported resulting in misinformation, inaccuracies and flat out unlawful and illegal CRA practices. I am writing on behalf of my client to bring to your attention a serious issue with the information on their credit report. Upon review of the report, it has been discovered that there are several errors and false statements contained therein. After conducting an investigation, it has been determined that these errors and false statements are the result of your agency 's failure to properly verify and authenticate the information that has been included on the credit report. | Specifically, it has been discovered that Experian fraudulently transposed two separate issues that occurred on XX/XX/XXXX and XX/XX/XXXX, resulting in the inclusion of false and misleading information on the consumer report. This transposition has caused significant damage to my client 's credit score and reputation, and has made it difficult for them to obtain credit, loans, and other financial services. | On XX/XX/XXXX, my client submitted a complaint through CFPB regarding Experian 's violations of the Gramm-Leach-Bliley Act ( GLBA ) and the inclusion of false and misleading information on their consumer report. Despite providing a copy of the consumer report in question, Experian marked the complaint as " vague '' and " unclear '' on XX/XX/XXXX. On the evening of XX/XX/XXXX, my client submitted another complaint through CFPB regarding Experian 's misconduct on a separate account that was found on their credit report. | Experian falsely reported the issue on XX/XX/XXXX as re-investigated updated and resolved on their website, void of any CFPB notice. Furthermore, Experian has denied my client access to dispute any inaccuracies on their consumer report through their website and has forced them to utilize the CFPB for all complaints, disputes, and inquiries. | Experian has a legal obligation under the Fair Credit Reporting Act ( FCRA ) to follow reasonable procedures to ensure the maximum possible accuracy of the information on my client 's credit report. By failing to properly verify and authenticate the information on the credit report and fraudulently transposing two separate issues, they have violated the FCRA and caused my client significant harm.

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 2017-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I have sent the demand letter to XXXX credit bureaus for updating my credit report and scores, but they do n't do anything, I still not get my credit report. 
Please update it now, it is my right to have that information.

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 2022-12-20
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I paid my reverse mortgage in full on XXXX. The lien was released by the mortgage servicer quickly on XXXX and my copy of the letter indicating lien release was dated XXXX. As of XXXX the mortgage servicer ( PHH ) is holding {$260000.00} of my escrowed insurance claim funds ( from a fire loss ) and has informed me that they have up to 180 days to reimburse me. In the meantime, I am unable to purchase a new home using those funds, and I am essentially homeless. The CFPB website implies that such payment should have occurred within 20 days. Since the mortgage was paid in full and acknowledged, PHH should have no legal claim allowing it to withhold these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Coinbase, Inc.
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Someone tried opening a debit card under my name through a company called Coinbase without my authorization. I am trying to close the account and have this investigated for fraud but there is no way of getting a hold of the company since I am not a customer and am unable to provide them with a valid phone number under the fraud account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-10-10
Company: National Credit Adjusters, LLC
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I did not authorize this remove immediately National Credit Adju. XX/XX/XXXX, XXXX, XXXX XX/XX/XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, NCA. XX/XX/XXXX, XXXX. XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX TransUnion, XXXX Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX Dear Transunion, XXXX XX/XX/XXXX XXXX I submitted a request for investigation under FCRA 611 ( a ) to Transunion regarding the following accounts on my credit report : XXXX XXXX XXXXXXXX Account Number XXXXXXXX XXXX XXXX  Account Number XXXX, SXXXX XXXX XXXX XXXX- Account XXXX XXXX In response, I received a letter stating that the information was " VERIFIED ''. However, I am requesting physical documentation to support how this information was verified, as Transunion has been reporting unverifiable and inaccurate information on my credit report, which has damaged my credit score so bad that I cant even get a credit card or a loan in my name.

Under federal law, information reporting must be 100 % verifiable and 100 % accurate. As such, I am requesting that Transunion delete this erroneous information from my report. Please do not " update '' or " verify '' this information again without conducting a due diligence investigation. 
I am requesting that Transunion provide me with written contract and physical documentation supporting the information being reported on my credit report via USPS mail, as screenshots and medical statements will not suffice. THIS DEBT IS NOT MINE, and I require verification with my actual signature on a contract. 
I value my credit score, and I believe that it is being unjustly degraded as a result of this unfortunate error. I am not requesting a template response to this letter and require specific answers to the questions asked of Transunion. Please note that I intend to pursue legal action if this matter is not resolved. 
I would like to remind you of Dixon-Rollins v. Experian Information Solutions , inc. ( 2010 ) and Miller v. Equifax Information Services LLC ( 2013 ), where consumers won their case against the bureaus due to their lack of reasonable investigation of the dispute. I trust that Transunion will do the right thing and investigate this matter thoroughly. If you can not provide proof that the debt is valid, I request that you delete the information from my credit report. 
I expect a response within 15 days of receipt of this letter. Failure to do so will result in the permanent expunging of the item in question from my credit report. 
Best regards, 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 2022-02-19
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: Information belongs to someone else

Complaint:
I disputed an account reported to the credit bureau under my social security number. I was informed that the items were deleted from my credit report. I have now discovered that the items have been reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
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 information incorrect

Complaint:
On XX/XX/2023 I applied for a credit card XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX. My application was denied because XXXX XXXX XXXX informs me in the application decision that my Trans Union credit bureau reports to them that I have a recently closed CHECKING/SAVINGS ACCOUNT. 

I contacted the Trans Union company and a manager informs me that my credit record does not show that I recently had a RECENTLY CLOSED SAVINGS OR CHECKING BANK ACCOUNT, therefore there is incorrect information in the credit application decision. 
I contacted the credit bank XXXX XXXX is a credit card created by XXXX XXXX and issued by XXXX XXXX XXXX and a manager responded to me informing me that the only way they can reconsider my application is for Trans Union to confirm to them that there is incorrect information in the decision and therefore does not exist in the credit record that there is a recently closed checking or savings account. 

I contacted Trans Union again and they do not have a letter format to send to XXXX XXXX XXXX bank the rectification that there is incorrect information in the decision of my application for the XXXX credit card. Only they can give me a copy of my credit record, which I should send to XXXX XXXX XXXX so they can see that in my record I don't have a recently closed CHECK OR SAVINGS ACCOUNT. 

I as a client, I am being a victim of this injustice and the lack of communication between these 2 companies. I am making this complaint so that they please agree and comply with the fair credit law. 
I ask that Trans Union please inform XXXX XXXX XXXX that I have not recently had any CHECKING OR SAVINGS CLOSED accounts and that this is not shown by my credit report, on which they are reliing to deny me the credit card. 
I also request that XXXX XXXX XXXX reconsider my application based on the response to be provided by Trans Union, which shall report that the information in the negative credit card response provided to me by XXXX XXXX XXXX is incorrect. 

Attached the XXXX XXXX XXXX credit card refusal response, where it shows that they are based on information obtained from the company Trans Union.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I request copy of Complaint # XXXX. XXXX XXXX XXXX XXXX ( XXXX ) and Experian did not have permission to access and supply my credit report on XXXX. I have asked for a copy of permission so I may defend myself because I did not give any permission. Experian passes the buck to XXXX  who has sent a copy of an incomplete and undated application that even states it was processed. I continue to complain but XXXX  list complaints as duplicate since they claim to already have processed and answered on Complaint # XXXX. Two problems ; I do not have XXXX  response on Complaint # XXXX and I have yet to receive copy of valid permissible permission allowing XXXX  to process permissible permission and access 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 explanation
Consumer complaint received 2023-07-04
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:
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  Account XXXX Account name : XXXX  Account XXXX Account name : XXXX  Account number : has violated my rights. Or list of inquiries 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 2023-01-10
Company: Block, Inc.
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Throughout a span from roughly XX/XX/XXXX to XXXX or XX/XX/XXXX, there were a total of 49 ( when I first saw them, more since I realized they were being made ) transactions were being charged to my cash app account. I reached out to Cash App to figure out what was going on as I did not make the transactions, and all transactions were made from XXXX. Cash App was unable to give any assistance or clarification. I reached out to XXXX after Cash App was unable to help, and with the help of an XXXX representative, we realized that the charges originated from a prior Cash App card that had been reported lost or stolen ( when I called Cash App back and brought this up to them, a representative said he did see that the card the charges originated from was cancelled and a new card was issued in XXXX of XXXX ). I explained to the Cash App representative that, although I do have an XXXX  XXXX, it hasn't been used in over 10 years, and it was only used for an XXXX, before XXXX even came out with an XXXX. The Cash App representative explained they would escalate the cade to a higher department and I wouldn't be contacted VIA email by a manager. I have reached out to Cash App on numerous occasions, VIA email, phone, and chat support and explained the entirety of the situation, and repeatedly get told that the case will be escalated, but as months have now passed, I have still not heard from a manager and I am refused to speak to one when I request one on a call. XXXX representatives said they could assist, but not without the full card number that was charged. I have even reached out to Cash App, only for the full 16 digit card number, to let XXXX take care of the fraudulent charges since Cash App would not, and was told I would be emailed the card number, and never was. There are 50+ charges, majority of which were declined, however there are a handful that was approved for amounts spanning from {$4.00} to over {$20.00}. I will attach pictures to thr complaint showing that I have never ourchades anything with the XXXX account. I also have a screenshot of a transaction I attempted as I saw the last 4 digits of the cancelled card were still a stored payment method in my XXXX 's app, so I attempted to push a transaction to test if the approvals were only XXXX & I have a screenshot where the XXXX 's purchase on the cancelled card was declined, but I have screenshots of the declined and approved transactions from XXXX. I also have a screenshot of a dispute I attempted for one of the transactions, and the email with the resulting denial explaining that I authorized the purchase, which has never been the case.

Company response to consumer: Closed with explanation