BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have reached out to XXXX Credit Bureaus last XX/XX/2023. And now we are in the month of XX/XX/2023 and still nothing from them. That means XXXX Credit bureaus have NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. THIS ACCOUNT IS STILL FOUND AND NEED TO BE REMOVED COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2022-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-01-26
Company: MONEY SOURCE, INC., THE
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/2021 my then mortgage lender, Guaranteed Rate approved a loan modification of 2.875 %, monthly paymentys of {$210.00} on a remaining balance of {$50000.00}. Shortly thereafter the loan was sold to The Money Source who ignored the modification, began billing me {$650.00} monthly and threatening foreclosure. I contacted them and was told if I submitted a notarized, approved loan modification from Guaranteed they would honor it as required by law. I submitted everything, hear nothing for lover a month. When I called XXXX they then told me it was not approved and I needed to reapply with them, which I did and was approved for the same terms. However, they never put the terms in place. I ahve called/emailed at least 15 times since then to fix this and was told the were busy and would freeze the loan activity until they get around to fixing this. 

In the meantime, today I received a bill for XXXX based on the incorrect rate and terms, and threatening foreclosure. XXXX has not done anything they promised and hav e broken many laws, while holding my only home ransom.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: EQUIFAX, 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Unauthorized hard inquiries.

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 2021-07-19
Company: Fidelity National Information Services, Inc. (FNIS)
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:
The following credit inquiries listed on my Chex Systems Consumer Report IDXXXX, are all fraudulent, unauthorized and not my credit inquiries : XXXX  XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX Bank XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX XXXX XXXX  XXXX XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX, XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX  XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XXXX XX/XX/2021, XXXX  XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX  XXXX XXXX XXXX XX/XX/2021, XXXX XXXX  XXXX XX/XX/2021, XXXX XXXX XXXX XXXX XX/XX/2021, and XXXX XXXX XXXX XX/XX/2021. I am a victim of identity theft and has a current police report on file with Chex Systems.

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 2018-01-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I am using Coinbase for digital currency which is US based in XXXX XXXX. I created a vault option they allow to make it more secure. In order to create a vault, you have to add a secondary email so when you withdraw, an email is sent to your primary and secondary email to approve. I got an email stating my vault was created correctly under my main email XXXX and my secondary email of XXXX My ETH vault displays my secondary email as XXXX This is not my secondary email. I emailed 5 times sinceXX/XX/XXXX tilXX/XX/XXXX. I called twice to coinbase support and got the same response. " My case has been escalated to a specialist. '' I advised the support center person that I need access to my currency. I even told the support person that one of the emails from your support team suggested that they can move my coins/tokens from my ETH vault to my ETH wallet so I can have access to my own currency. I have all email proofs and need help resolving this asap. Each time I call them, they have me wait for 30+ minutes before a support person gets on the line and sometimes they dont even answer during business hours.

CASE # XXXX XXXX XXXX  XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Since I discovered my credit report on XXXX which I recently had access via email I discovered numerous incorrect personal information that needs to come off and needs to be investigated and I was recently locked out of my account, today XX/XX/23 I waited on hold for over XXXX minutes just to be hung up on repeatedly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: EQUIFAX, INC.
State: NJ
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 complaint is for the timeshare company XXXX. I've previously disputed this account and was deleted from my credit reports under Equifax XXXX XXXX, but reappeared and is reporting negative again under the same credit bureaus. I want this to be removed as it is very illegal to add on removed fraud accounts. This inaccurate account is being reported in my credit records again and is hurting my financial stability. I have disputed this and was deleted but they've added it again. I'm experiencing financial difficulties caused by this timeshare, plus my credit score is going down due to this as well. I am a victim of the XXXXXXXX XXXX  scam. We were defrauded & lied to. This is the biggest scam I encountered. Furthermore, they've violated my consumer rights ; specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual XXXX XXXX XXXX damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NY
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, Equifax, and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, Equifax, and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 Balance {$1600.00} and XXXX BANK XXXX. XXXX Date Opened XX/XX/2016 XXXX {$270000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: ALLY FINANCIAL INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This is the 3rd complaint I have a police report a XXXX XXXX report by Ally Financial XXXX Police Report case number # XXXX. I had to XXXX XXXX XXXX Police XXXX on XXXX so he could do a report and open a case again XXXX that has allows Ally Financial to fraudulently once again reopened a closed charge off account from XX/XX/XXXX from a dispute completed on XX/XX/XXXX which ruined my XXXX XXXX XXXX from a XXXX to a XXXX I received notice that the account once again reopened on XXXX XXXX per XXXX from Ally Financial and they have updated fraudulent information again on XX/XX/XXXX and closed this Ally Financial account once again and updated with a fraudulent closed date of XXXX this account you will see with tut documents uploaded from a XXXX XXXX report on XXXX that this account had a closed charge off date of XXXX I am going to upload a voice recording dated XXXX from XXXX XXXX department XXXX that all the information they was given came from Ally Financial telling them it is verified.on what do to with opening and closing this aged account that not aged not because they fraudulently added a new closed date of XXXX. This is a FCRA violation and this is a FRAUDULENT reporting incorrectly closed dates on purpose by the creditor ALLY FINANCIAL time XXXX stated they cant do anything its ALLY FINANCIAL that is reporting all the information to us. I am SICK and TiRED and SOMETHING need to be DONE and this complex needs to be PROSECUTED for this..I have also filed a FTC Identity fraud complaint as of today XXXX against Ally Financial IDENTITY FRAUD ACCOUNT and IDENTITY FRAUD credit 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 2023-03-12
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX, I submitted the application for Public Service Loan Forgiveness ( PSLF ) and Temporary Public Service Loan Forgiveness ( TPSLF ) generated using the Help Tool at the Federal Student Aid website to XXXX XXXX ( see attached ). At the time, this organization was the servicer for all PSLF and TPSLF applications. I received a letter dated XX/XX/XXXX, from XXXX XXXX stating that my loans were eligible for the program and that my loans would be transferred to the new servicer, MOHELA. This letter is being attached. On XX/XX/XXXX, I reached out to MOHELA to check on the status of my application. The representative I spoke with indicated that no paperwork had been received from XXXX XXXX and that there was no record of an application on file. I was advised to resubmit the paperwork, which I promptly did. 

In XX/XX/XXXX, I once again reached out to MOHELA. I was advised that there was an issue and that my loans would not have been transferred had I not called in. The supervisor, XXXX ( may not be the correct spelling ), processed a request to have my loans transferred. The loans appeared in the MOHELA system on XX/XX/XXXX. A payment tracker appeared on XX/XX/XXXX. No updates have taken place to date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
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: Reporting company used your report improperly

Complaint:
In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A states I have a right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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 explanation
Consumer complaint received 2023-11-06
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I have a private student loan with Navient and got a little behind after a phenomenal payment record since XXXX. I am getting phone calls three times per day for a {$26.00} past due balance. Honestly, after a great payment history I cant believe the criminals would bother you for such a measly amount which will be paid this month. Navient is an unscrupulous company and should be investigated by Congress for harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXXXXXX XXXX XXXX, a fraudulent charge totaling {$350.00} from XXXX was made against my CapitalOne XXXX XXXX credit card. I had made another purchase from XXXX on that date, but this additional charge was never invoiced and not authorized. I contacted XXXX over the phone for a refund, and they said they would provide it within seven to ten days. That did not happen, so I proceeded to dispute the charge with Capital One. 

On XXXX XXXX, Capital One informed me that I needed to provide additional information. I submitted a fax on that very day with the required information. I then received another notice that I needed to submit further information. I submitted another fax with the information they had requested. I have attached their letters and my responses to this message. 

On XXXX XXXX, I got a message saying that my claim could not be validated. It is logically impossible for me to provide any proof other than my testimony that I received a fraudulent charge -- I can not describe goods or services that I never ordered. I have done my due diligence and contacted the merchant prior to filing a dispute, and Capital One is not honoring their part of the deal. And this is not the first time this has happened to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-11
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
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:
15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 if also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open-end consumer credit plan as late for any purpose

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 2019-07-30
Company: EQUIFAX, INC.
State: CA
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 very concerned about the number of unauthorized inquiries that I found on my credit report. I do not understand how Equifax received this information but it is completely false! As a result of this, I can not apply for the things that I need to apply for because this information is ruining my credit.Delete it immediately XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for purpose.

Company response to consumer: Closed with explanation