BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
Hello, I am writing to dispute certain inaccurate information that appears on my credit report. 

I believe that it contains errors that require immediate attention and correction. The details of the disputed information are as follows : Creditor Name : XXXX Account # XXXX Description of Inaccuracy : Describe the specific inaccurate information, such as incorrect payment history, inaccurate balance, or erroneous account status. 

I have attached supporting documents that verify the inaccuracies mentioned above. 

Under the Fair Credit Reporting Act ( FCRA ), I request that you conduct a thorough investigation into these disputed items. Please ensure that all the inaccurate information is corrected or, if necessary, deleted from my credit report within the timeframe prescribed by law. 

Furthermore, I kindly request that you provide me with a written statement confirming the completion of the investigation and any actions taken to rectify the inaccuracies. Please send the updated credit report to the address provided above. 

I understand that you are required by law to inform the creditors associated with the disputed items about my dispute. I kindly request that you forward all relevant information and supporting documents to them as well. 

In accordance with the Fair Credit Reporting Act 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 or my 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 2023-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Please provide me with a statement of account with proper remittance for this credit card under Article 9 of the UCC that verifies the amount of a {$410.00} late payment being reported on my consumer credit profile. If the original creditor can not provide that documentation, please delete this account immediately as it is inaccurately reporting under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
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:
I checked my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX 'S XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/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 2021-01-04
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Hello, I am a Coinbase account holder with no stake in Coinbase, other than, being an independent user. I buy and sell cryptocurrencies through Coinbase and on XX/XX/2020, I executed 2 trades from my XXXX XXXX. One was for XXXX XLM coins with a value of {$5800.00} on that day and the other was for XXXX XRP coins with a value of {$33000.00} on that day. I sent both of these transactions to my account addresses for each of the coins. Since I had not traded any cryptocurrencies in a while, I sent both transactions without Tag numbers. I later found out, after my transactions did not post to my account that, I needed to have added a Tag number, which is also like an apartment number so that Coinbase would know where to post the transactions. 
I reached out to Coinbase on several occasions about my 2 transactions ; they responded regarding my XLM transaction for and had me send 15 XLM coins to my account with my Tag number to verify that it came from me. I did so ; they confirmed and posted my original XLM transaction from XX/XX/2020 to my account. They gave me 2 case numbers for my issues, case # XXXX was for XLM, and case # XXXX was for my XRP. On the day they resolved my XLM issue, they closed case # XXXX and case # XXXX for my XRP which was not resolved the same way my XLM issue was resolved. 
I opened a new case for my still missing XXXX XRP coins still not posted to my account but, held at Coinbase. The new case number they issued me was case # XXXX on XX/XX/2020. I have also filed a complaint on their website and was issued a case # XXXX. I have reached out to Coinbase on several occasions through their website customer support, XXXX, and XXXX on several occasions starting on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. They have stopped all communications with me and feel that they have not posted my XRP transaction due to recent issues with XRP in the market. To date, my XRP transaction for XXXX XRP was sent to my account address but without the Tag number and has remained with Coinbase. Due to recent market conditions with XXXX, Ive been unable to trade or reduce the market loss by not being able to trade my XRP. 
I have not retained a lawyer or contacted any other agencies as of today on this matter. All I want is to have my XRP transaction posted to my account as they did with my XLM transaction. I feel that Coinbase has had my XRP case # XXXX transaction in their system and is not looking into resolving my issue for some specific reason as Ive come across other people with the same issue on social media. 
I have transaction information from my XXXX XXXX XXXX confirming sending XRP to Coinbase on XX/XX/2020 if you need them. I am available for any questions regarding my XRP issue if needed ; any help would be greatly appreciated. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I wrote a letter about false information on my credit report, and more than 45 days later, I still haven't heard anything back. I think my complaint is being disregarded and that I'm being victimized of. It is precisely stated in Section 611 ( a ) that refusal to investigate these allegations within 30 days is cause for immediate removal of all those allegations from my credit report ; given that it has been more than 60 days, they should be promptly deleted. I demand that these accounts be terminated right away, or else I'll pursue you for the anguish you put upon my life. The XXXX data breach exposed my information well as, and it's feasible that it landed in the incorrect hands. Also apply law 15 U.S. Code 1681 ( e ) ( b ) ASAP so I know I am being treated fairly and with equal rights as a consumer.

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 2023-12-12
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 explanation
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was advised by a XXXX and XXXX rep to fill out this report because of unauthorized inquiries in my report, please remove all these fraudulent unauthorized inquiries on my report. These are the the fraudulent inquiries : 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 response to consumer: In progress
Consumer complaint received 2023-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
The United States Bankruptcy Court does not release any information to the credit bureaus and is not responsible for verifying information or validating information from consumer credit files. According to the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) my rights are being violated under the law. Remove this bankruptcy immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-10
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX at about XXXX XXXX Central time, I went online to open a BMO Alto online high yield savings account at https : //alto.bmo.com/ I entered all of the requested application information carefully and accurately, triple-checking the accuracy of each piece of information that I entered. 

I submitted the online application and was immediately informed onscreen, " Sorry! 
We're unable to approve your application today. We'll send you an email with more information. '' An email followed shortly afterward which stated, " Thank you for your interest in BMO Alto. Unfortunately, your account application has been declined. '' It did not provide any specific reason for my application being declined. 

I then called the customer service number provided on their website ( XXXX XXXX ) and spoke to a customer service representative. I provided her with my application information, and she reviewed my application, telling me that I was declined because they could not verify my identity. She said this could have been caused by me not entering my information correctly on the application. There is NO WAY that I did not enter my information correctly, as it was basic personal information that I provide frequently, and I was very careful as stated above. My credit is stellar ( exceptional rating ), and I do not have one single blemish on my credit report. I have never been declined on any application that I have submitted previously. I have opened several other online high yield savings accounts in the past few years with no issues whatsoever. 

This declination is very unusual and suspicious and in doing some online research, I have seen many other comments and testimonials by other BMO Alto applicants who said there were also declined for no good reason. I believe there are problems with their systems or procedures which are causing applicants to be falsely declined. Not only does this prevent me from opening an account that should be available to me, but my credit report and rating are also being adversely affected by this wrong, incorrect declination of my application. 

I request that I be allowed to open this BMO Alto high yield savings account and any other deposit accounts being offered. I also request that any adverse reporting from BMO Alto to any credit agency as a result of this application declination be removed from my credit report and rating. 

For your reference, my Application ID is as follows : 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 2023-02-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I had a fraudulent hard inquiry appear on my TransUnion and XXXX credit reports on XX/XX/XXXX. The source of the inquiry was XXXX XXXX XXXX. 

I called on XXXX, XXXX XXXX XXXX, and TransUnion on XX/XX/XXXX. 

TransUnion required me to mail documents. I was told what documents to send. Those are attached to this complaint. I mailed these in a white envelope, hand addressed, on XX/XX/XXXX. 

In the meantime, XXXX XXXX XXXX sent something out stating that the inquiry was fraudulent and I uploaded documents to XXXX. The inquiry was removed from my XXXX credit report by XX/XX/XXXX. 

I followed up with a couple calls, probably a week apart, to TransUnion. 

One representative told me that they couldn't use my documents because I did not have a report number on this. ( I was later told by a TU supervisor that this was not true since I sent a copy of my drivers license ). 

Another representative told me I had to have a letter from XXXX XXXX XXXX. I called XXXX XXXX XXXX back and they told me they had no such process, but would send another alert to the credit bureaus that the inquiry was fraudulent. 

I received a letter from TransUnion saying something about a 3rd party working on my behalf. I ignored it, since I did not and have a 3rd party working on my behalf at any point in this process. 

I called again on XX/XX/XXXX and was told by this TransUnion rep that they would reach out to XXXX XXXX XXXX. 

I called on XX/XX/XXXX. I was on the phone for over an hour with XXXX supervisors. I was told that I had to resubmit my forms because a department, which I could not speak to, had determined that my forms had been sent by a third party. Again, I have attached these forms below and you will see no evidence of a third party. I asked why resubmitting them would result in a different outcome, and the supervisor had no answer. 

This supervisor said she would reach out to XXXX XXXX XXXX. Since that did not work the first time, I have no reason to believe it will work this time. 

Additionally, TU has a chat function on their website. I had a couple experiences of submitting a chat and having it indicate that a representative would be with me soon. It would be a couple hours before the representative would respond.

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 2023-10-20
Company: EQUIFAX, INC.
State: GA
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: Was not notified of investigation status or results

Complaint:
I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. 

I REQUESTED ON XX/XX/23 I previously disputed this account stating : " I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ". I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 


I REQUESTED ON XX/XX/23 I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. Please remove this account because the creditor failed to notify consumer of dispute and did not update that they actually performed and investigation. Please remove this account immediately .CREDITOR DID NOT UPDATE MY ACCOUNT THAT A PROPER investigation WAS MADE. THE COMMENT SECTION ON MY CREDIT REPORT AS OF XX/XX/23 HAS NOT UDATED SINCE MY FIRST DISPUTE ON XXXX PAYMENT STATUS IS LATE 60 DAY AND THE ACCOUNT IS PAID AND CURRENT. UPDATE TO PAYMENT NEVER LATE OR REMOVE FROM MY CREDIT REPORT FOR FAILURE TO COMPLETE AN investigation ON MY ACOUNT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 


Account Number # XXXX Company Name # NATIONAL CREDIT SYST

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: EQUIFAX, INC.
State: PA
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 really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-21
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 Account Number : XXXX 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 2021-05-24
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2021 I was alerted of a credit inquiry on my credit for the US Small Business Administration ODA. I contacted the SBA and verified I did not submit this request and it was an attempt of fraud utilizing my credit. I have placed credit freezes, filed police report, contacted credit bureaus, and submitted fraud alert with indentitytheft.gov. Would like this inquiry removed.

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