BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 sorry to keep filing complaints, it appears to be the only real method of reaching someone. 

In a previous complaint, TransUnion replied my dispute was still in process. It most certainly was not, seeing how I had to stop it so the banks response could up loaded to my account. My banks response, truncated, was no delinquency ever existed. My account had already been updated by the time they responded that my dispute was still in process. How is that possible. 

Here is my question/complaint : The statement posted on TransUnion stated I was delinquent. The amount I was delinquent by was {$0.00}. How css as n I be delinquent by nothing? Doesnt that mean I am not delinquent? 

Along with previous request of being given the last statement received by TransUnion from XXXX, I need a copy of the information XXXX XXXX  Sent that was used to generate the last statement of delinquency that TransUnion posted. 

I would also like an explanation from TransUnion as to how I can be delinquent with a balance due of {$0.00} I would like to know how the investigation was still in progress when the bank had already submitted its response and I stopped the investigation.

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 2023-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, NM XXXX ; XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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 2019-07-10
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
American Capital Enterprises was collecting my mothers information and charged her on her credit report as a collection then my mother told them I've never been in the ambulance or called an ambulance then they asked her well is a person by such name live there at the property she said yes that's my son then they told her orbits him that owes us then so they did not have correct info on who owed who please resolve cause its hurting my credit thank you date open XX/XX/2014

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX Balance : {$4000.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} XXXX XXXX XXXXXXXX Balance : {$4000.00} XXXX 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 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On my transunion account it is showing XXXX XXXX XXXX as a derogatory mark. That account should have been closed. It is still reporting as opened on 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 2020-07-19
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My computer was hacked while I was away from it, they accessed my CoinbasePro and Coinbase accounts and stole all my funds. Total deposits into my account was {$20000.00}, but the value at the time of this theft on XX/XX/XXXX was lower, roughly {$14000.00}. Below are the stolen coin amounts and the addresses they sent to : BTC : XXXX sent to XXXX ETH : XXXX sent to XXXX LTC : XXXX sent to XXXX BCH : XXXX sent to XXXX XRP : XXXX sent to XXXX BSV : XXXX sent to XXXX XTZ : XXXX sent to XXXX They also initiated a transfer of {$12000.00} from my bank checking account into my Coinbase account to attempt to steal that as well, but luckily I was able to call XXXX  XXXX XXXX and do a Stop Payment so the transfer didn't go through. They had to transfer all my funds on CoinbasePro into regular Coinbase to steal my funds without my phone. They accessed both my XXXX and XXXX email accounts, but likely deleted some emails from my Inbox and Trash folders. I tried getting with both XXXX and XXXX but they were unable to recover any lost emails. I do still have a couple emails they left behind for the XXXX, XXXX, and bank transfers, though I doubt those are useful. I still have the laptop, in basically the same state as after the hack, in case that's needed. I have yet to contact my XXXX  ( XXXX XXXX XXXX ) nor XXXX, as I've been waiting to hear back from Coinbase all this time. They've finally gotten back to me basically saying there's not much they can do, but will cooperate with any and all investigations. I can provide screenshots of the criminals ' activity on my machine as well as the actual laptop itself as I said, and I can also provide the full email string with Coinbase which has more details. My fiancee XXXX XXXX was with me that night while the hacking and theft was taking place. I filed Police Report Case # XXXX with my local XXXX XXXX, FL Police Department though I believe they closed it saying there wasn't much they could do. 

As I told Coinbase, thank you very much for your understanding and thorough investigation and attempt to get my funds back please. As you may imagine, I am severely traumatized by this, not just with Coinbase/Pro but in many other ways, as well as my family and friends. I am not some big rich person trading constantly, just a regular guy who bought and was holding as a long-term investment, trying to save to buy a house and for a wedding with my fiancee, I also need a car, and they just stole so much from me. It's embarrassing to sound so pathetic but I am begging for help. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: NRA Group, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This account has been opened numerous times by this agency for a reported past due amount of {$100.00}. Multiple times this account has been removed, as it is not valid information, nor is it linked to any current open accounts. At this point this account has been opened fraudulently and does not belong to me. The most recent date is as of XX/XX/2023. No accounts have been authorized by me by this agency.

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 2022-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Transunions website has said their credit freeze service is unavailable for months. I have to call to get a freeze lifted and it only works maybe 10 % of the time. After spending an hour trying to get a freeze lifted, credit card companies deny my application stating I have transunion frozen.

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 2019-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX/XX/XX/2019 - for 30/60 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is 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 explanation
Consumer complaint received 2019-09-08
Company: EQUIFAX, INC.
State: NY
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:
Equifax is maliciously, recklessly and purposefully reporting an unauthorized hard inquiry by XXXX XXXX dated XX/XX/XXXX. First of all I commend XXXX XXXX for doing such a thorough investigation once I made them aware of this situation. Although I have requested an investigation numerous times from Equifax and also complained with the CFPB about the inaccurate hard inquiry reporting by Equifax regarding this inquiry, Equifax purposely continues to report it unauthorized, even after I informed them that I was a victim of several data breaches. This is Malicious and Reckless on their part. Equifax lied about their investigation because XXXX XXXX stated in the letter enclosed in this Complaint that they NEVER received a dispute by Equifax. Equifax not only lied, but did not perform a reasonable investigation into this issue. Equifax enabled me to be a victim of identity theft. XXXX XXXX has requested Equifax to delete this hard inquiry since XX/XX/XXXX but Equifax has yet to comply. Equifax needs to immediately remove this hard inquiry by XXXX XXXX from my credit file immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: MI
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 Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account NumberXXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a company, I had two company checks that were stolen out of the mail. The checks were written to a MO government agency. All the information was on checks they were not washed or changed. 
Capital one, NA bank in XXXX, VA Cashed these checks and signed these check. 
Capital one has a person that did not look at the 2 checks that were cashed and if they had they would see a government agency on the payee line and the Address for XXXX XXXX, mo. Also my company is in XXXX XXXX, MO XXXX 
So they have some one doing fraud in there banks. I started the process when I found out what had happen in XX/XX/2019 with my bank XXXX XXXX MO, A report was filled and now it is XX/XX/2019 and I have spent hours on the phone with both banks and still have not received my XXXX back. 
Took action on XX/XX/2019 with my bank they had a person that did not do there Job So I went up the chain and on XX/XX/2019 a report was sent to Capital one. Still have not had a response from capital one. These checks should have never been cashed and it should not take a bank this long to see that with overwhelming evidence on the back and front of the checks. That person should be jailed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have NO CONTRACT with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. Notice should you fail to provide us with a copy of our agreement and provide a persons name that we can communicate with then we will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with Fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record correct or correct such record where a defect is found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: SECURITY FINANCE CORP
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Company is calling my work multiple times a day after being asked not to. Have shown up at my work, causing disciplinary action at my job.

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 2020-12-06
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: EQUIFAX, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXXXXXX XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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