BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
To update this suspicious information, I sent a letter to the three credit bureaus. I believe that these accounts have not been verified in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I shall take legal action against you for this. This was previously incorporated into my last COMPLAINT, and I'm including it once more. 
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 2023-09-13
Company: W&A Intermediate Co., LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All of my debts were paid over XXXX  years ago and I have not been to a doctor or a hospital in over XXXX  years. This collections account from Wakefield and Associates randomly appeared on my credit report in XXXX. This account does not belong to me and this account is not mine. I reached out to the collection agency to request proof of debt and proof of the origination of the debt. I also requested proof of where the debt originated. They did not respond or provide the requested information. This company is a scam and they are a fraudulent company. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Someone has stolen my information, this person has dedicated himself to ruining my credit by opening multiple credit accounts in banks such as capital one, credit one and loans in different financial agencies, I no longer want him to use my information and ruin me in this way here I will leave the details of that person 's accounts, apparently he uses a device with the name XXXX, his address is XXXX XXXX XXXX XXXX XXXXXXXX XXXX, NV XXXX, this thief has committed around XXXX inquiries under my name I need help! 

DETAILS : XXXX XXXX XXXX XXXX Other {$1500.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX  Account Type Not XXXX Responsibility Individual Age Of Account 0 Years, 2 Months Credit Limit Not Reported Highest Balance {$1500.00} Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original XXXX XXXX XXXX XXXX  Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 3 Months Credit Limit Not Reported Highest Balance {$3800.00}. 

Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due Not Reported Account Details Original Lender XXXX XXXX XXXX XXXX XXXX XXXX Account Type Not Reported Responsibility Individual Age Of Account 0 Years, 5 Months Credit Limit Not Reported Highest Balance {$680.00}.. 
Status Date Reported XX/XX/XXXX Payment Status Collection/Chargeoff Account Status Derogatory Amount Past Due {$620.00} Account Details Account XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$500.00} Credit Used 125 % Highest Balance {$620.00} Date Account Opened XX/XX/XXXX Date Account Closed XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: AZ
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:
The inaccurate personal information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to the credit bureaus. The reality that these information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information 's listed below as a result. 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 response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
on XX/XX/XXXX I opened a checking account in Citi bank, at that time there was a promotion, " open a checking account, keep deposit in the account of {$200000.00} for 60 days, can get {$1500.00} bonus ''. I deposited {$200000.00} on XX/XX/XXXX. On XX/XX/XXXX, I thought it has been 60 days, so I used chat system of Citi bank, a representative named XXXX chatted with me. I asked him if I have met all the requirements to get the bonus, he said yes and I only need to wait until XX/XX/XXXX to get the bonus deposit into my account. Then I asked if I could move the {$200000.00} out of the account. He said that I can move the money and it won't impact my bonus. I have screen shotted of this chat and attached please find the screenshot. In XX/XX/XXXX, I still didn't get the bonus, I call Citibank, they told me the 60 days means the 20 days after I opened the account till the XXXX day. I argued Citi 's representative told me that I have met the requirements and I could move the money out of the account, so it is not my fault. They said they will record my complaint, but after XXXX week I got a mail said I still didn't met their requirement. Then I complained again for the misled of this representative XXXX, and until now, I never got any response.

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 2022-10-19
Company: EQUIFAX, 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:
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 U.S.C 1681. 

Account nameXXXX. Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Amount {$1900.00} : Updated : XX/XX/XXXX Account nameXXXX. XXXXXXXX XXXX XXXX XXXX  XXXX {$880.00} : Updated XX/XX/XXXX Account XXXX. Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Amount {$920.00}. Updated : XX/XX/XXXX has violated my rights my accounts. 15 USC 1681 section 602 A. Statues 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 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 the records of conviction of crimes which antedates the report by more than seven years. 15USC 1681s-2 ( 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 2019-07-30
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As per FCR Act Sec 609 ( a ) ( 1 ) ( a ) I requested but never received a physical original signed consumers contract between myself and said creditor. 

Under FCRA all unverified accounts must be removed. Remove ASAP

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
According to TransUnion 's report, it states that I owe {$1700.00} to XXXX, which is not accurate. I have only missed one payment, and the monthly payment is {$580.00}, making the total discrepancy glaringly false. Such misinformation has resulted in a significant drop of over 30 points in my credit score. 

I want to emphasize that this misreporting is not only misleading but also a clear violation of fair credit reporting laws. As per my understanding of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are obligated to report accurate and verifiable information. In this case, the reported amount and its impact on my credit score are not reflective of the actual circumstances. 

The inaccurate reporting by TransUnion has had severe consequences on my financial standing, affecting my business opportunities and overall well-being. Given the potential long-term ramifications, I am compelled to inform you that I am considering legal action to seek damages for the harm caused to my credit score and subsequent adverse effects. 

I kindly request your prompt assistance in investigating this matter and rectifying the inaccurate information on my credit report. I believe it is crucial to uphold the principles outlined in fair credit reporting laws to ensure the integrity of the credit reporting system. 

Enclosed with this letter, please find supporting documentation, including proof of the correct payment amounts and a record of my payment history with 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 2023-11-28
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2023 they restricted my account, I can see my balance, but I can not send or receive or operate with my cryptocurrencies. After contacting them numerous times through the support chat, they ask me for documentation to verify my account and thus remove the block. On XX/XX/XXXX, I received and sent the requested documentation, all of which requested " Please provide one of the following documents : Payslip issued within the last 3 months Letter from your Human Resources department confirming your employment Provide the source/origin of funds deposited into your Coinbase account. 



Please provide one of the following documents : Loan agreement or statement Statement from other exchanges Screenshot of transactions from an unhosted wallet In addition to the above, please provide one bank statement, issued within the last four months.

Provide the primary source ( s ) through which your overall wealth/net worth was generated.

Examples : Employment, gambling, gifting, investments, inheritance, or life insurance Please provide one of the following documents : Payslip Brokerage / investment statement Home sale document Probate or conveyancing document Copy of Will, Grant of Probate, Gift Letter, etc. 

If your source of wealth originated from investing in crypto or other investments, please provide additional supporting documentation showing the initial investments resulting in your wealth. 

For example, statements from a crypto exchange or broker-dealer which confirms your investment portfolio and they don't give any response. '' after insisting again and again in the chat they sent me another email on XXXX they asked me for more documentation they wrote me this : '' XXXX XXXX XXXX, Thanks for the information you provided. Unfortunately, it doesn't meet our requirements, so we'll need some additional information to finish reviewing your account. 

Please upload the following documents to our secure Coinbase SendSafely portal using the link provided below. 

Please provide a payslip for theBrintza s.l company. 

Please confirm, how much crypto do you expect to trade per year? e.g : {$10000.00} - {$99000.00} " which sent the documentation and I responded to what was requested. It is XX/XX/XXXX and I have not received a response from Coinbase, nor have they removed the blocking of my account. I have all the conversations with the chat recorded without giving me solutions, other than asking me for patience and I haven't been able to access my savings for 7 months, as I need them to face some important expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX, GA XXXX & XXXX XXXX XXXX XXXX XXXX, GA XXXX Both of these addresses are on my credit report but I never lived there in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Despite my repeated attempts to have XXXX validate my debts, I received no evidence of my obligation to pay these so-call debts. These debts do not belong to me. It is the result of ID theft and reports have been filed with the FTC and local law enforcement and copies were provided to XXXX  on numerous occasions. XXXX  is in violation of the FCRA by continue to report unconfirmed, unverified derogatory accounts on my credit 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 explanation
Consumer complaint received 2018-09-12
Company: Volunteer Mortgage Loan Servicing
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was being serviced by XXXX XXXX. When I logged in to my account to pay my XXXX payment, I learned my mortgage was no longer being managed by XXXX XXXX, and was now being managed by Volunteer Mortgage Loan Servicing. Neither servicing manager sent me notification that the mortgage changed hands. I've tried consistently to contact someone with Volunteer Mortgage Loan Servicing. After several attempts, and leaving several messages, I was able to reach a gentleman that provided me with an account number and instructions to make the payment online. I've tried doing that multiple times, but have been unsuccessful due my account be locked. I've since tried contacting Volunteer Mortgage Loan Servicing, but to no avail. I've left messages, and today someone finally returned my call. Volunteer Mortgage Loan Servicing is now refusing to accept my XXXX mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review.

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 2023-11-28
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I requested on in XX/XX/2022 that my loans be discharged due to a disqualifying status. The fact is that when I took out the loans I was receiving social security XXXX benefits. I was not producing any income and was encouraged to enroll into a program I had I had no previous experience and have found it difficult to gain employment. This loan should not of been provided and it can not be repaid and has caused undue stress on top of the XXXX that I had when I took out the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-28
Company: MOHELA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted an IDR/SAVE plan application to MOHELA on XX/XX/2023. It still hasn't been processed. Instead I received a letter in mid XXXX ( letter is dated XX/XX/XXXX ) that informed me that the automatic forbearance that I was placed in ( due to their internal problems with servicing ) was ending on XXXX XXXX and that I am on a level payment plan, which is well over {$1000.00} per month. I have called numerous times and waited on hold for hours. No one ever answers. As I write this, I'm on hold with MOHELA and have been for almost an hour and a half. They close at XXXX. It's XXXX. I still have no update on my SAVE plan application and I can't afford to pay the amount they're trying to bill me. I have to work so spending more than 3 hours on hold waiting for someone to answer isn't an option. I've even tried the veteran liaison phone number and its still impossible to get ahold of anyone. Please help...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. 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 non-monetary relief
Consumer complaint received 2023-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 respectfully ask that you give priority to this matter, conduct a thorough investigation into the situation, and promptly remove these unauthorized accounts from my credit report. Your immediate attention and resolution of this matter are highly valued and appreciated.

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: NJ
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:
The credit bureau 's have stated stated my account has been accurately And properly investigated but how could that be possible double if the open updates Are inaccurate, High balance is inaccurate, Date of last activity is inaccurate, the closed date Is inaccurate, the 2 year payment history and Days late are in accurate.The accounts are as followed. XXXX 1.High Balance inaccurate.2 Date of last Activity.3. Date Opened. 4.Date Closed. 5.Two- Year payment history. 6. Days late. Account 2 is Ray And Flan. 7.High Balance 8. Last Verified.9. Date of Last Activity. 10.Date Reported.11. Closed date.12. Two year Payment history. 13. Days late. Account 3 XXXX, XXXX. 14. High Balance.15Last Verified.16.Date of Last Activity.17.Date Reported. 18. Date opened. 19.Closed Date. 20.Two year payment history. 21.Days late. Account 4 XXXX XXXX. 22. High Balance.23.Date of Last Activity. 24. Date opened.25. Closed Date. 26.Two Year Paent History. 27. Days Late. Account 5 XXXX XXXX. 28. High Balance.29.Last verified.30.Date Opened.31.Closed Date.32. Two Year Payment History.33.Days late. Account 6 XXXX. 34.High Balance.35.Last Verified.35. Date of Last Activity.36. Date Opened.37.Closed Date. 38. Two year payment History. 39. Days late. Account 7 UPSTART XXXX.40.High balance.41.Last Verified.42.Date of Last Activity.43. Date Reported.44.Date Opened.45. Closed Date.47. Two Year Payment History.48.Days Late. Account 8 XXXX XXXX.49.High Balance.49.Last Verified.50. Date Reported.51.Date Openeded.52.Balance Owed.53. Closed Date.54.Account Status. Account 9 XXXX XXXX.55.Last Verified. 56. Date of Last Activity. 57. Date Opened. On XXXX XXXX, XXXX XXXX as well as XXXX XXXX. No one responds or sends a new report with updated information. Also have asked to update my personal information with only my current address of XXXX XXXX XXXX XXXX Nj XXXX. And nothing. 
15 U.S.C 1681 Section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 Section 602 ( A ) Also States a consumer Reporting Agency can not furnnish an account without my written instructions How could all of this inaccurate information possibly meet XXXX standards. Those inaccurate accounts were only for experian. Transunion Also is reporting inaccuracte information just the same with just about 100 inaccurate items. XXXX is unable to find any of my information. Please help me here my life is really hitting speed bumps and setting me back big time and this is highly unfair. And i believe the credit bureau 's were not.resolving anything due to these letters coming from a repair company and not me personally. So trying to take matters in my own hands and reach out for help.

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