BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-07
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 status incorrect

Complaint:
My XXXX account has been showing that is has been pasted due for more that 6 months which is not correct. I have made payments every month on this account. When this account was closed my {$200.00} security deposit was applied to balance. For some reason my required due each month was more than 300 % what it should have been. 

I have added the bills and payment history to this email. XXXX stated they would not correct my credit report and stated information is correct when it is not.

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 2021-10-29
Company: EQUIFAX, 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:
MY IDENTITY WAS STOLEN THREW TAX THIEF & EQUIFAX DATA BREACH SINCE I CHECKED MY CREDIT REPORT AND FOUND THESE UNAUTHRIZED ACCOUNTS & INQUIRIES

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 am writing to express my deep dissatisfaction and frustration regarding the ongoing issues I have faced in attempting to correct several late open accounts on my credit report. Despite my diligent efforts, the inaccuracies persist, and I have made multiple attempts to rectify this situation. I would like to bring this matter to your attention in hopes of resolving it promptly. 

I have followed all the proper procedures as outlined in the Fair Credit Reporting Act ( FCRA ) by filing disputes with the credit bureau and providing supporting documentation to substantiate my claims. However, despite my persistent efforts, these inaccuracies remain unresolved, negatively impacting my creditworthiness. 

I understand the importance of accurate credit reporting for individuals like me, who rely on their credit scores for various financial transactions. The inaccuracies on my credit report have resulted in unjust consequences, including higher interest rates and difficulties in obtaining credit. 

I kindly request that you investigate these issues urgently and make the necessary corrections to my credit report. I also request that you provide me with a detailed explanation of the actions taken to rectify these inaccuracies, along with a timeline for their resolution. Please ensure that I receive a written response within the time frame prescribed by the FCRA. 

If my concerns are not addressed promptly and the inaccuracies on my credit report persist, I may have no choice but to seek legal action to protect my rights under the FCRA. Kindly assist me to correct the followiing late open accounts : US DEPARTMENT OF EDU XXXX Opened XXXX XXXXXXXX XXXX Balance {$1500.00} ; US DEPARTMENT OF EDU XXXX Opened XXXX XXXX XXXX Balance {$1500.00}.

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 2021-03-10
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I have made contact with the CFTC and SEC and they have raised a complaint ticket for me. 

I have also contacted a law firm. 

Ive repeatedly asked you to help me but you have promised escalation 6 times yet not done anything. Youve just been delaying things and your customer service is appalling. 

My litecoin is sat in the wrong address due to you having a mobile upgrade and technical issues on XX/XX/21. This was well documented on social media. Ive been advised by crypto experts in this field that only you can recover my ltc assets for me as you own the private keys. 

Further my lawyer has told me to make you aware that I will be holding you liable for the price fluctuations that go against me by allowing me to be without my assets for over 3 weeks. This is know as conversion theft. The longer you allow this to continue the larger and larger the claim for damages is growing. At this stage I want to simply resolve matters without involving external agencies or ligation but time is running out. 

You have made me suffer and mentally tortured me over fears of losing my life savings for something you could have sorted this out so quickly. 

I have emailed you multiple times and have reached out on XXXX support but you have nothing once responded and tried escalated matters for me. 

I urge you to do the right thing and deal with this immediately this is your last opportunity.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-01-03
Company: U.S. BANCORP
State: NJ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Since I could not understand the content of the letter, I wrote a returning letter to request further explanation to the company called, Elan. 


Customer Authentication ATTN : Bureau Inquiry XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, Today, XX/XX/XXXX of XXXX, I received the letter regarding customer authentication. As I have only had your name in my credit report for soft inquiries, I am not sure whether I have received any credit card offering from the company called, Elan, in my life. From the beginning, I opted out my name to receive any credit card offers due to the result of identity theft. All credit card promotion has been opted out permanently from my entire life. Therefore, I do not expect to receive any offer from you. If you need my name and address, they are written above. And my telephone number is XXXX. I am not sure what do you mean an explanation of why [ I ] would like the inquiry removed. Would you explain what kind of inquiry I asked to remove? Previously, I sent some letter to your company due to the request of XXXX, because I do not recognize your company for soft inquiries, because, as I have mentioned above, I never received any credit offer from your company. Since I can not understand your question and inquiry, I will not sign the paper you have sent to me. And I request further explanation on your letter. I request explanation what unspecified means? And what is the result of the removal of consumer report? And why should I inquiry need to be removed from my consumer report? I am not sure my letter to your company, Elan, was meant for that. This letter and your letter, which was sent on XX/XX/XXXX of XXXX, will be reported to CFPB? 


Sincerely,

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 2023-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT
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:
Bank of America began calling me in XX/XX/2023 in regards to an account I supposedly had with them. I have never opened any accounts with this bank. I thought I had resolved the issue in XXXX. XX/XX/2023 this account shows up on my credit report and drops my report by XXXX points. I have since been in contact with Bank of America several times, the account has been closed and I am still waiting for documentation to be sent through postal service. They said it will take XXXX business days from XX/XX/XXXX. I have disputed this through the credit agency and am trying to get this removed as it is hurting my credit report tremendously.

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 2023-05-15
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: Information belongs to someone else

Complaint:
I did not give authorization or start these accounts, and it is unjust for me to bear responsibility for them.

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 2023-10-05
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 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 2022-01-26
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ref : Mortgage Loan # -ending in XXXX Wells Fargo stated I canceled my online mortgage payments online on XXXX XXXX. Aside from the fact, that this did not happen, I was completely blindsided by this revelation. 

I never received any notification that such action had occurred on XX/XX/21, nor would I have taken such action. In fact, the first XXXX hearing of this is in a complaint my wife filed with the CFPB. 

I only access the mortgage account when instructed by my wife. The last time I accessed that account was XXXX XXXX when she instructed me to pay the mortgage via a transfer until the matter regarding the deleted auto-payment has been resolved. 

I have a business account with Wells Fargo and monitor my checking account daily. It would appear that because XXXX XXXX told the bank she did not access her account on the date in question and has the browsing history to prove it, a crazy, very unprofessional and asinine decision was made to place the blame on me. 

I did not delete the auto-payments.

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 2022-01-26
Company: Experian Information Solutions 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:
I am writing to dispute the following information that is on my report. I have contacted the companies Experian, XXXX and XXXX to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft 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 non-monetary relief
Consumer complaint received 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XXXX I cosigned two XXXX student loans for my granddaughter ONLY on the condition that the loan but deferred until her graduation year. which would have been XXXX. Which we both agreed would be the best option as she and I are low-income. Unfortunately, she had to drop out due to unprecedented circumstances during covid therefore the full amount she was approved for was not disbursed to the college. However, we did not receive an updated approval disclosure for either the loan of the adjusted amount owed or the adjusted Estimated Repayment Schedule and terms. Only notice stating that XXXX 's loans would go into repayment that same year. Nevertheless, from what I read from the Promissory note and Application I read, I ONLY gave the company ( XXXX XXXX Loans ) my permission to pull my credit to check my credibility and financial credit history. However, recently it has come to my attention that all XXXX credit bureaus ( XXXX, XXXX, and Transunion ) have been entering lots of inaccurate and false information including late payments pertaining to those loans on my credit report with my written consent. This violates USC Code 15 U.S.C 1682 a.1.a AND 15 U.S.C 1681 ( B ).

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 2023-01-14
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried reaching out to the company and I have not received any response. XXXX requesting a removal of item This not my account and by the way this is me XXXX XXXX so please dont sent me any proganda in the mail as a stall tactic respectfully

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute a fraudulent charge on my account in the amount of XXXX XXXX 
I am a victim of identity theft, and I did not make these charges. I request that you remove the fraudulent charges and any related finance charge and other charges from my account, send me an updated and accurate statement, and close the account. I also request that you stop reporting this inaccurate information and report the correct information to all of the nationwide credit reporting companies to which you provided it. 
Enclosed is copy of my Identity Theft Report, and account statement showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the Notice to Furnishers of information issued by the Federal Trade Commission, which details your responsibilities under the Fair Credit Reporting Act as an information furnisher to CRCs. 
Please investigate this matter and send me a written explanation of your finding and action Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within 15 days of the completion of your re-investigation. Please remove the fraudulent information immediately from my file. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXXXXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
-- OTHER ACCOUNTS -- 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with balance of XXXX -This is not my account. 
I have enclosed a copy of my Drivers License and Social Security Card to verify my Identity. 
Please contact me via written mail at address listed below if you have any questions. Thank you for your time and attention to this matter. I look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: Experian Information Solutions Inc.
State: NV
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, XXXX XXXX XXXX, have noticed XXXX  XXXX XXXX  of my/XXXX XXXXXXXX XXXX reservation of rights UCC 1-308. 
On XX/XX/2018 I, XXXX XXXX XXXX, promised to pay/scheduled payment to XXXX XXXX XXXX  in the amount of {$860.00} as full payoff of the cards purported balance. 
The foregoing payment was accepted/received by XXXX XXXX XXXX  on XXXX XXXX. 
XXXX XXXX XXXX  has punitively " remarked '' my credit report with not only additional fees that was not originally owed, but also XXXX XXXX XXXX  has punitively placed 34 charge offs on my credit report severely rendering me unable to obtain credit. 
I, XXXX XXXX XXXX, am not in receipt of any paper or verified documents that would lead to any legal conclusions of fact which might prove otherwise. 
I have requested via USPS certified mail that XXXX XXXX XXXX  Validate the alleged debt said to be owed by XXXX XXXX XXXX, however XXXX XXXX XXXX  wilfully refused and in violation of 15 U.S.C -1692 ( g ) ( 4 ), XXXX  XXXX  XXXX  continues to report unverified amounts said to be owed by XXXX XXXX XXXX See 15 U.S.C -1692 ( e ) Proof of Doctrine of Estoppel by Silence not supplied Engelhart vs Gravens ( mo ) 281 SW 715 719, I presume that no proof of the alleged nor therefore any such debt, in fact therefore exists

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following accounts continue to report on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXX Balance Owed : {$540.00} XXXX  XXXX XXXX Balance Owed : {$330.00} XXXX XXXX Balance Owed : {$510.00} XXXX XXXXXXXX Balance Owed : {$480.00} XXXX  XXXX Balance Owed : {$410.00}

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 2023-10-13
Company: EQUIFAX, INC.
State: GA
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:
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.

has violated my rights. Or a 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-11
Company: Freedom Mortgage Company
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am disputing a late payment fee. All of my payments have been on time for the last 15 years. Freedom Mortgage indicated that they received a late payment that was submitted on XX/XX/2021. On XX/XX/XXXX my wife contacted Freedom Mortgage to find out why that have not withdrawn the payment from the bank account. My wife was told that the bank rejected the payment due to an account number error. Freedom Mortgage did not contact me to make me aware of the banking error. Freedom Mortgage also made changes to their website. In the past if the banking information was incorrect the system would indicate that an error was made. The company waived the fee. However, the one late payment is indicated on the mortgage statement and may damage 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 2020-01-07
Company: EQUIFAX, 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XXXX AND XX/XX/2019 FOR MY XXXX   ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Regarding ID for Complaint regarding Nationstar Mortgage XXXX ( also and now known as " Mr , Cooper ''!! Complaint Number XXXX. 
Sorry I am a XXXX year old XXXX Veteran and I could not find a way to add to the above referenced complaint!! Also I am NOT a computer Guru and don't have the money I wish I had way back when all this started with nasty old XXXX XXXX XXXX that goes all the way back to 2008 when we had the terrible 2008 Financial Collapse that I understand was caused by the Stock Market and the lenders after the repeal of the Glass-Speagal Act that allowed all these people to enter into securitization of loans and all the resulting corruption, racketeering, and fraud that has continued to this day. 
Anyway I hope you will attached the enclosed ( attached file ) I did not get attached in the initial complaint as I just got a new computer after my old one collapsed and I have had to learn XXXX XXXX!!! UG UG Thank you very much and I sure hofe that the new Director XXXX XXXX will be more fair, understanding and willing to recognize that over 20 million people like me have lost their homes needlessly and actually reach out to help people after all this. Thank you and semper fi.

Company response to consumer: Closed with explanation