BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-14
Company: Credit Karma, LLC
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The company is XXXX Credit Karma and I've always felt that my credit score wasn't correct on their site. I got my credit score from one of my credit card companies and my score is XXXX from XXXX. On XXXX Credit Karma, my score is XXXX and they just subtracted from my score because I spent {$70.00} on my XXXX XXXX 's card. I've always felt they were unreporting my score and I'm always getting new credit card offers and loan offers telling me that I have a 90 % or better approval rating. I fell for that once and I got zinged on my credit score thanks to XXXX  Credit Karma. I chatted with someone and I was told that I couldn't speak to anyone on the phone. The gentleman said that all they do are chats, no phone call was possible. They handled tax refunds for me and I don't remember it being like that but they were XXXX Credit Karma at the time. They were just Credit Karma. And I wasn't getting zinged on my credit score then like I am now. If I charge anything over {$100.00}, they would drop my credit score and now, it's {$70.00} and they dropped my credit score XXXX XXXX on XXXX and XXXXXXXX XXXX  on XXXX. I'm more than sure now that it's XXXX Credit Karma playing games with my credit score. I've gotten my credit cards paid down and I'm continually getting them paid down but it does reflect on XXXX Credit Karma site. On XXXX, my XXXX XXXX is XXXX and it has been higher than on XXXX Credit Karma for some time now. I think that it is called manipulation and that is what I've been experiencing from XXXX Credit Karma. For the last XXXX months my XXXX XXXX has been consistently lower on their site, I haven't been able to get above XXXX because I get zinged every chance that they can show that my score is lower. So, I know now that it isn't the Credit Reporting Agencies that are doing it but XXXX Credit Karma is scamming me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 been contacting Transunion in regards to my credit score and information in my credit report that does not match with the other bureaus. I have accounts that are reporting on the other bureaus but not on Transunion.

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 2021-06-22
Company: American First Finance, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A month before I moved, I went to XXXX XXXX XXXX for a living room set. I was offered financing and they ran my credit for furniture they initially told me I would have by the first week in XXXX. I moved XX/XX/XXXX. 
Shortly before moving a received a call from XXXX XXXX XXXX that my furniture was delayed and on back order. I asked if I came in and made different selections would that help get my furniture sooner, and I was told yes. I went and selected all new furniture. I was told I would have everything by the end of XXXX. Now XXXX XXXX XXXX is saying they only have half of the couch ( which is extremely odd ) and an ottoman is on back order and now I won't get the items until some time in XXXX. I want American First Finance or XXXX XXXX XXXX or someone to remove this inquiry from my credit report so I can go elsewhere to purchase with financing. These people ran my credit for something I never received and they likely are never going to give to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX, XXXX, XXXX XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$660.00} XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: Coinbase, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Yes I have a coinbase compromised account and the XXXX XXXX XXXX made a claim that the account was reviewed and the account was delinquent and reported the irs having identity theft of the delinquent account in the time the account was closed and the delinquent account was compromised and distorted the funds delinquent. I contacted the case manager with the irs XXXX XXXX XXXX and she reported the account a imposter identity theft case ID was used to make the account compromised in duty and affidavit was filed with the case and the account had a hold from XXXX XXXXXXXX which was reported the case and under investigation dispute and filed the bank complaint compromised the account and left it to the customer service desk to guide warrant to the information and escalated claims to resolve with coinbase in the amount was token when the bank closed with XXXX XXXXXXXX with the delinquent account XXXX from garnishment and attachments from the beneficiary was restored from the case manager and the resolution team member asked me to give the documents from coinbase and update the claim that was took when the bnak was closed from XXXX XXXX banking and supply them with the restricted access of the benefits transfer with the payment update sent from my bank card and the bank sent it back with a hold from a compromised account with an agency reporting from XXXX that a telex transfer was sent to this bank in the XXXX XXXX  wallet and was compromised from a hacker data breach from coinbase tracker and XXXX XXXX works had a XXXX XXXX breach from this that has not been ID restored with the police report in bankruptcy and added to the report with XXXX credit bureau also inclined to deduct the payment from compromised bank account with coinbase log in banking processes with XXXX XXXXXXXX account XXXX from delinquent account reports it was stolen and XXXX XXXX office is ending the court documents to the case manager and also contact the supporting team member from consumers Financial protection bureau to access the banking needs that were compromised from I'd restoration officer in an attempt to collect a debt and resolve the matter with and affidavit from the account holder to verify bankruptcy and banking act needs from XXXX XXXXXXXX that were sent compromised bankruptcy reports with a petition and complaint order to protect the account with auto identity guard and evaluate the support teams with available information to support the compromised account security was documented and breached in order to obtain XXXX XXXX XXXX account transactions reported from XXXX refrastructure XXXX XXXX XXXX bankruptcy terms with case ID and email the document to coinbase tracker data breaches from support group to remove the security from making transaction that restricted our account access in sending the payment to XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: SL Finance LLC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I got an email from a XXXX XXXX, agent id number : XXXX saying they tried to contact me at home and did not hear back and I may be eligible for the recent stimulus forgiveness and relief legislation ( Cares Act ), and my application need to be completed by XX/XX/XXXX of XXXX, as that is when the Cares act is set to end. I was given a phone number to call XXXX and a personal validation code # XXXX. I called the number and spoke with a XXXX XXXX who explained the student loan forgiveness process to me and he then asked me to verify my birthday which I gave to him. He then told me that a code was going to be sent to my phone and to read it back to him for security purposes. It was a code from the studentaid.gov website. The text was from XXXX. I gave XXXX the code. He then sent me an email of all my federal loans, including my SSN number, date of birth, ect. He said that I qualified for Student Loan Forgiveness. He spoke to me thoroughly about this program they offered. He was very convincing. He asked me to verify my driver 's license number. I did give it to him. He then said that I would have to pay 5 payments for 5 dates of {$190.00} and after 5 months is over Ill them pay $ XXXX 120 months then after that my remaining balance would be forgiven. He requested my debit card information to get me started. He said he could not send anything by mail. He then sent me a document in my email that was the " legal document. '' This document contained my social security number! However I had to sign it while on the phone with him, he then proceeded to ask for method of payment, I gave him my expired credit card and then told him I will get back to him later.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2023-08-14
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing to express my concern about a violation of my rights under the Fair Credit Reporting Act. Specifically, XXXX # XXXX has violated my privacy rights under 15 USC 1681 section 602. As a consumer, I have the right to privacy and to control the information that is shared about me. According to 15 USC 1681 section 604 A section 2, a consumer reporting agency can not furnish my account with my written instructions. This means that I have the right to decide who has access to my credit information and how it is used.

Furthermore, 15 USC 1681a definitions ; rules of constructions - exclusion - except as provided in paragraph, the term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. This means that any report that contains information about me must be accurate and based on actual transactions or experiences. 
Finally, 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purposes. This means that I have the right to make payments on time and not be penalized for doing so.

I am aware of the " Opt Out '' requirement detailed in subsection ( b ) of 15 U.S. Code 6802, and I understand the definition of " nonpublic personal information '' as provided in subsection ( e ) ( 4 ). I expect that my rights under the Fair Credit Reporting Act will be respected and that my privacy will be protected.

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 2023-03-07
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-24
Company: Experian Information Solutions Inc.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: CBC Companies, Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing you to inform you that XXXX XXXX, any other credit agency reporting reporting a bankruptcy on my client 's credit report and they have put in the data furnished as being the us bankruptcy Court of Virginia which is false I have attached a letter from the u.s bankruptcy court of Virginia verifying and stating that they do not furnish information over to the credit bureaus or any um credit monitoring service nor do they verify or validate any information concerning bankruptcies XXXX XXXX is falsely stating this information on credit report. I also did not give them any information or permission. In accordance with the fair credit reporting act Account # has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy. 15 U.S.C. 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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 account and noticed an unrecognized account on my credit report. I have sent multiple letters to the credit bureaus asking for evidence ( a signed and dated contract or agreement ) of the alleged debt. They have sent me the same letter multiple times, saying it is verified yet providing NO evidence.

*FCRA Act Section 611 gives me the right to request an explanation of the verification method used by the credit reporting agencies.

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 2021-03-25
Company: WELLS FARGO & COMPANY
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 did not authorized or recognize these creditor that are listed 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 2023-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.

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 2023-08-14
Company: Experian Information Solutions 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:
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 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 explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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