BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are numerous accounts listed on my credit report. I am unsure who's they are. 103 Claims true identity fraud/account fraudulently opened.. please remove them from my credit. 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
Consumer complaint received 2022-01-18
Company: EQUIFAX, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-31
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
before I applied for a modification six years a go I reached sls mortgage and asked for help in reducing my mortgage or anything they could to help they said they could n't help me because I was current on my payments I end of getting behind and i applied for a modification 6 six ago and receive it now 6 years later they set me up to fail im worst off now with higher payments I cant afford and they attached the monies to the mortgage as I waited for the modification ... my payments are XXXX a month from when I needed the help for XXXX a month 6 years a go. I would love to stay in my home and get a fix rate and lower payments I read all the reviews about sls and they been doing this to ppl for years we are losing our homes because we cant afford the payments ... I called onXX/XX/XXXX to see if I was approved for the modification they said still pending, they ask me that dayXX/XX/XXXX did I receive a letter from them I stated I havnt received anything they said we sent out a letter on the XX/XX/XXXX that they are going up on my mortgage it will be XXXX as of XX/XX/XXXX I said less than 30 days she said yes I was just paying XXXX last month 2 months before that XXXX it been going up quite often in a years time please help me im drowning in this situation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I purchased digital currency from Coinbase.com on XX/XX/XXXX/XX/XX/XXXX respectively. They have taken my money ( {$1400.00} ) but have not issued said currency ( Ethereum ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Experian, XXXX and XXXX have furnished a credit profile without my verbal or written consent! I've demanded that they cease and desist all negative reporting as it is a violation of my consumer rights as well as my right to privacy. 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

They cant produce a notarized Affidavit or contract signed by me or their senior executive where I gave them permission to furnish or post these negative items on a report. This is IDENTITY THEFT. 
The Privacy of Consumer Financial Information regulations that implement the Gramm-Leach-Bliley Act ( GLBA ) may restrict this type of information sharing because it meets the definition of nonpublic personal information under the Privacy regulations. Therefore, sharing it with nonaffiliated third parties may be subject to an opt-out notice under the privacy regulations. 

Again this is a violation of my rights to privacy. They also are allowing companies to pull this report with my verbal or written consent. Another VIOLATION Except as provided in section 1681g ( a ) ( 5 ) of this Title, a consumer reporting agency shall NOT furnish to ANY person a record of inquiries in connection with a credit or insurance transaction that is NOT initiated by a consumer ( ME ) At no point did I consent to these companies pulling a report I never gave experian consent to create.

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 2017-09-13
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: Public record information inaccurate

Complaint:
In XXXX XXXX, I found that there was a tax lien on my credit from the state of Illinois for {$96000.00}. 



I had never owed any debts to Illinois, so I contacted the state to see if the lien was related to identity theft. After a series of unhelpful conversations with state employees, someone in the revenue department finally informed me that I owed Illinois income taxes from XXXX in the amount of {$960.00}. The figure on my credit report, {$90000.00}, is apparently an error by the reporting agency. 

I moved out of Illinois in XXXX, and have never received any notice of any kind from the state of Illinois, including any notice of past tax debt or liens. Because I was on IL unemployment for all of XXXX and Illinois had automatically withheld my taxes from those payments automatically, I knew the claimed back tax debt to be in error. 

Illinois XXXX XXXX XXXX employee XXXX XXXX emailed me in response to my inquiries, and told me I 'd have to submit proof of withholding to have the debt cleared. I dug up old tax returns and IL unemployment documents to show that I had never owed the tax, and sent them to XXXX XXXX. 

On XXXX XXXX, XXXX, XXXX XXXX told me via email that all collection activity would cease and the lien would be removed once the cleared debt was processed by his department. I checked multiple times to be clear that no payment was required and that I had no outstanding debt to the state of Illinois. 

This week, I was checking my credit in response to the recent Equifax data loss, and found that the IL tax lien is still listed on my credit report as a balance due. I contacted XXXX XXXX in reference to our previous conversations, and he told me I 'd need to take it up with the IL XXXX XXXX. 

I reached the IL XXXX XXXX at the number XXXX XXXX provided, and was re-directed to another office called the " IL XXXX XXXX XXXX. '' A rep at that unit told me he saw the notes, correspondence, and documents in my file from XXXX XXXX, but that the matter had still not been processed or the lien removed. Worse, I w as told that once the matter was resolved, it would still show on my credit as a tax lien that had been paid off, rather than being removed completely. 

I am now attempting to apply for a mortgage to buy a home, and can not get one due to the adverse impact on my credit from this erroneous lien.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
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: Account information incorrect

Complaint:
Per the FCRA law section 609 credit bureaus have to deleted unproven, noncompliant, unverifiable accounts. Experian is in violation of the FCRA law they are reporting inaccuracies on my credit profile, that they claimed has been verified! XXXX XXXX XXXX has not been verified! The amount that is being reported is inaccurate! I amount owed is {$6200.00} and the term is 73 months.XXXX XXXX XXXX is reporting that I owe {$25000.00} and 81 terms of the loan! This is fraudulent and is in violation of many laws and as a consumer I know my rights and will fully inforce them! I have gathered all correspondents from Experian regarding this account and kept them in my files! I plan to file a lawsuit if this matter isnt resolved in 15 days! I have provided proof that the amount of the debt that is being reported is inaccurate and fraudulent!

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I just recorded but credit report and noticed unauthorized items that shouldnt be reflecting on my credit report. This has been a rough time during this pandemic

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 2021-09-14
Company: EQUIFAX, INC.
State: MD
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 contacted XXXX XXXX via phone and fax back in XXXX, 2021, that one of my credit card accounts was not reporting to XXXX and Equifax. They said they would fix it and to give it 30 days to update. It is now XXXX, 2021, and it is still jot reporting. These accounts are " secured '' therefore, the point is to help raise your credit score. My score is not improving because the account is not even reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 contacted XXXX XXXX via phone and fax back in XXXX, 2021, that one of my credit card accounts was not reporting to TransUnion and XXXX. They said they would fix it and to give it 30 days to update. It is now XXXX, 2021, and it is still jot reporting. These accounts are " secured '' therefore, the point is to help raise your credit score. My score is not improving because the account is not even reporting.

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 2022-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have contacted XXXX XXXX and Trans Union to reset my credit to XXXX because they allowed someone to use my information and they ran my credit in the dirt and the Credit bureau and government promised to fix it and reset it but doing nothing my life is very difficult cant file taxes cant apply for employment nothing or get anything because my credit is poor because of the credit bureaus XXXX and im very upset and is in a XXXX XXXX me and my family this is not right my credit is going no where

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 2018-01-07
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
To whom it may concern, My name is XXXX XXXX ( XXXX ) and I am writing in regards to an issue I have pending with a company called Coinbase ( A crypto currency investment platform ). 

In short, my account, which contained only cash at the time, has been emptied of approximately {$6700.00}. It appears to me as though the account was emptied, deleted and reopened using the same login credentials. I say this as my money, transaction history and all external account links have been deleted. The site makes it appear as though I just joined which is not the case. I have the original emails from Coinbase from when these ( now missing ) transactions had occurred. These transactions include, joining Coinbase, ID and photo verification, purchasing coins, and transferring some coin ( only the BTC ) out of Coinbase. 

The details : I joined Coinbase in XX/XX/XXXX. 
I funded Coinbase originally with {$5000.00} in XX/XX/XXXX. 
I bought XXXX ( XXXX ) Etherium ( ETH ). 
I bought XXXX ( XXXX ) litecoin ( LTC ). 
I bought ~XXXX Bitcoin ( BTC ). 
-All purchases in XX/XX/XXXX. 
I transferred the ~XXXX BTC into a different crypto wallet to execute trades not available within the Coinbase platform, but left the ETH and LTC in Coinbase . 
During this time I was monitoring Coinbase using their app. I had not logged into their site on my laptop for several months. 
On XX/XX/XXXX I sold all of my ( XXXX ) ETH and ( XXXX ) LTC via the Coinbase app resulting in ~ {$6700.00} being deposited into my Coinbase USD wallet as confirmed via the Coinbase app. I did not receive a confirmation email for this transaction from Coinbase although the money could be seen in the USD wallet on the Coinbase app. 
On XX/XX/XXXX I attempted to withdraw my money from Coinbase via their app and send it back to the institution I originally used to fund my Coinbase account ( XXXX XXXX ). The app indicated that I needed to login to the website to complete the transaction. When I logged into the Coinbase site using the same credentials, it began asking for new joiner type information as if I had just signed up ( not the case ). This is when I noticed that the USD wallet indicated a balance of {$0.00} and there was no transaction history to be found on this +6 month old account. 
At this moment, the app was still indicating the correct amount of money, {$6700.00} in my Coinbase USD wallet. 
Next, I logged out of the app and logged back in it. The app now matched the online site with {$0.00} balance, no bank links, and no transaction history. It appears as though I have been scammed. 

I have contacted Coinbase customer service to request their assistance but have not received a reply. I know this is not a huge sum, but it is a lot to me and it is mine. 

If there is anything that you could do to get Coinbase to look into my issue I would be extremely grateful. 

Thank you. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
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:
Recently ( XX/XX/2021 ) I applied for a home mortgage loan with XXXX Mortgage. In the process I was informed that I have a collection balance of amount {$87.00} reported on my credit. Firstly I am not sure where it came from and for the past three months I was working with my mortgage officer to figure out what it is and how to resolve it. I tried to contact the collections company several times but no luck. I sent them mails twice ( on XX/XX/XXXX - First class mail and on XX/XX/XXXX- XXXX mail the second time ). There is no response yet. I feel that I have been patient enough in waiting for a response after multiple attempts. I am helpless now and not sure what to do. My credit score is down for no reason and I am in a situation to pay more monthly mortgage which is totally unfair. From what I have researched so far, to the best of my knowledge I think this is a UDAAP violation.

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 2021-09-14
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-08-25
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:
I have called and filed several disputes online. XXXX and Transunion are reporting my XXXX  card as a closed account. This account is not closed and I am current with my payments. I verified with the creditor that the account is still open and was not reported as a closed account.

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 2022-01-18
Company: Navient Solutions, LLC.
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: Information belongs to someone else

Complaint:
I was a victim of identity theft. someone used my personal info to obtain a student loan. I contacted the creditor and the reporting XXXX and submitted a ftc report along with a police report and they still are reporting inaccurate information damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been keeping close tabs on my credit and have noticed a couple of different account appear on my credit that I have not opened. I have disputed them through XXXX  I have also reached out to the companies and they have all told me that they wont do anything to help me. I have also asked repeatedly for copies of the original debt so I can see if this debt is mine and all they tell me is they have already mailed it to me. I still have not received anything in the mail. 

CACI Consumer Adjustment XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX {$400.00} From XX/XX/XXXX It just appeared on my credit report in XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX {$940.00} From XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX ( XXXX ) XXXX {$1000.00} From XX/XX/XXXX I have reached out to all these companies and they will not provide me any documentation showing that these are legitimately my accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: SYNCHRONY FINANCIAL
State: MD
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, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureau is reporting inaccurate information on SYNCB/VALUEC. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2021-11-11
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation