BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 following company & accounts have violated my rights ; 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 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 2017-10-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit 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:
After filing a complaint with the CFPB, I finally received a detailed letter from Macys through XXXX XXXX. As the attached letter shows, I am even more confused about the propriety of the alleged credit card balance that Macys claims to be due. Macys acknowledges account errors of many sorts. 

I am willing to pay whatever I owe but I would like specific proof by way of signed receipt so I can confirm exactly what I bought that constitutes the amount claimed to be owed. If it is valid I will write an immediate check. 

Based on XXXX XXXX 's letter, and through no fault of hers, I have no confidence in Macys ' account record-keeping. 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 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
I started receiving e-mails from XXXX XXXX and XXXX XXXX   on XX/XX/XXXX that changes had been made to my profile information. When I signed into my accounts the address, phone and e-mail had all been changed. I have checked all of my profiles and found that they have also done this to my XXXX card, and XXXX XXXX, XXXX, XXXX and TransUnion account. I have called all of the affected credit card companies to report the fraud and cancel the cards. I have reported the fraudulent information to XXXX and they have deleted all errors. I can not reach XXXX or TansUnion by internet or phone. I have attached a list of all the accounts that were affected. I also took screen shots of the accounts that they had changed my profile in. I will attach some of those as well. 

There have been many attempts to open credit cards and loans using my identity and twice they have gone into XXXX to change my address. This address also shows under my addresses listed on XXXX and TransUnion. I have attached a list of all the accounts that they tried to open. 

I believe my identity theft is due to the XXXX Breach. Although my first indication that something was wrong was onXX/XX/XXXX, the first fraudulent attempt to open an installment loan was through XXXX XXXX XXXX on XX/XX/XXXX. 

I have created an identitytheft.gov account. My FTC Report Number is XXXX. I am not attaching that report because it has personal information on it. 

I have placed a 90 day fraud alert at all Bureaus. I have placed a freeze on my account with XXXX. I can not access my TransUnion account due to tampering therefore I can not freeze that Bureau. I can not access XXXX by phone or on-line to freeze that Bureau. I have called and spoken to someone at XXXX whose sole purpose is to tell you to go to http : XXXX. I had done that when the breach was announced and then tried to enroll on the dated given to me ofXX/XX/XXXX. On XX/XX/XXXX, I received my e-mail to access the XXXX XXXX Account, but I receive a Credit Lock Status Error. 

I have reported my identity theft to the XXXX, NC Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX. I have reported my identity theft to the XXXX, CO Police Department. The Report number is XXXX and is being handled by XXXX XXXX. His phone number is XXXX ext # XXXX. 

The fraudulent address, phone and e-mail are : XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX XXXXXXXXXXXX This is an e-mail account that I never created

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 2022-04-26
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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, XXXXXXXX Equifax have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

According to the 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 

These addresses do not belong on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-15
Company: EQUIFAX, INC.
State: NH
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:
Upon checking my credit reports regularly, my credit score does not increase when trade line balances decrease or are paid in full. I do not have any late payments on my credit report and my credit score is not reflecting correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-01
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I opened a checking account with CitiBank 1.5 years ago. They immediately started charging me {$30.00} fees every month. I was n't aware that the fees were being charged on my account because I could n't log in online. I called in multiple times complaining about it and they could n't figure out what was wrong. Each time I would ask to make sure there are n't any fees on my account and they told me there were n't ( they LIED ). 

After a year of this, they finally managed to fix my " online profile '' so that I could actually log in and see my account. I discovered {$300.00} in fees charged. I called in to their support center and they waived 4 out of 10 of them. I asked for the rest of them to get refunded and I 've been stuck in a game of phone tag for 2 months now. The phone center sends me to the branch, the branch sends me to the phone center. Additionally, the branch is only open for a few hours a day and on west-coast time ( I 'm in XXXX  ). I finally got the branch to refund an additional 3 fees but the money never showed up in my bank account. I called the phone center again and they have no notes of it ... 

Today I tried to shut down my account entirely but they told me that if I do that then I definitely wo n't get any of my money back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, On XX/XX/19 I responded to a XXXX ad from someone selling XXXX tickets. The person told me the only way he would sell these to me was if I purchased XXXX through the company Coinbase.  I made a transaction via Coinbase by purchasing {$280.00} in XXXX onXX/XX/19. After giving the individual from XXXX my personal information and attempting to give him my {$280.00} it XXXX, the transaction never processed. Ultimately, it turned out the person selling the tickets was a scammer. 

From this point on all I wanted was my {$280.00} transaction from the Coinbase.com website reversed. After several attempts at trying to access my Coinbase account and contacting customer service via Email, I finally heard back from them on XX/XX/19. After several messages exchanged with Coinbase.com they were not able to provide me with a solution. Instead, they decided to lock my account on XX/XX/19. I never asked them to lock my account. I tried contacting them via phone several times but it was impossible to speak with a live representative and every time I asked them in several email messages they never provided me a way to speak with someone on the phone to resolve this. 

Eventually, on XX/XX/19, I was able to log back into my Coinbase account and on XX/XX/19 they provided me with me access and the steps to withdraw my money. It turns out during this whole time, the value of my Coinbase account had decreased and I was only able to withdraw {$180.00}. During all of the email exchanges and unnecessary steps, nobody mentioned to me that the value was decreasing until the final email message on XX/XX/XXXX. I responded back addressing these concerns and asked to speak with a manager on the phone but Coinbcased has stopped responding to my messages all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05
Company: Harvard Collections, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Company HCS ( Harverd collection systems ) constantly calls me over and over again about a medical bill they states i had service XXXX XXXX i explained to them i was not seen and i asked was this a emergency bill and what hospital is this amount coming from. The compant could not tell me exactly where the amount was coming from .I asked them several times to stop calling me and they keep contacting me harrassing me about debt i dont owe or dont know about stop contacting me they state i was the patient i couldnt have been unless someone used my information. i asked was it a child they said no either way it goes if it was for my child i would of provided insurance so they have the wrong person. The bill is on XX/XX/XXXX on new years day never been there send documenentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: EQUIFAX, INC.
State: LA
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, XXXX XXXX, a federally protected consumer, am filing this complaint against XXXX XXXX and XXXX XXXXXXXX XXXX XXXXXXXX and there is no third party involved. I have sent out a letter to XXXX XXXX mailed certified dating XX/XX/XXXX. XXXX XXXXXXXX is in violation in regards to the information being furnished on my consumer report. I, the consumer, never gave XXXX XXXX any written consent nor authority to report to my consumer report. NO CONSENT = IDENTITY THEFT. The following fraudulent inquiries from XXXXXXXX XXXXXXXX and XXXX XXXX XXXX  XXXX. I did not initiate, authorize, benefit from, nor consent to any of the listed inquiries and I demand they be removed from my consumer report IMMEDIATELY, as they are a result of identity theft. XXXX. XXXX  XXXX : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX These fraudulent items on my consumer report is preventing me from having an equitable consumer report and causing great troubles obtaining personal property for my household needs. If XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX can not provide to me a copy of when I sent a written permissible purpose to furnish these inquiries, I DEMAND these fraudulent, unauthorized inquiries be remove from my consumer report within XXXX ( XXXX ) DAYS! If my demands are not met, I will hold XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( XXXX ). Attached is an FTC IDENTITY THEFT REPORT AND THE ORIGINAL CORRESPONDENCE SENT TO XXXX XXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I contacted the creditors who placed the inquiry, and asked them to remove their credit inquiries from my credit profile. Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into these inquiries on my credit report to determine who authorized the inquiries. Delete these inquiries!!! Im not having a company send this this is 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 2017-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
All three major credit bureaus have illegally hoarded my personal information without this Consumer 's expressed written consent especially XXXX as all of my personal information was compromised in their breach. Pursuant to the 1974 Privacy Act, all 3 credit bureaus violated all privacy rights and allowed personal information to be leaked due to their false and misleading ways. According to the Fair Debt Collection Practices Act, all three credit bureaus maliciously and collectively shared this Consumer 's personal information to make trillions of dollars by selling it to various debt collectors, employers, financial institutions, and a  host of others.

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 2022-04-26
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A NewRez customer service rep told me on a recorded line in early XXXX XXXX that my recast would be completed in early XX/XX/XXXX. It sill has not been completed. I have made over XXXX phone calls on recorded lines asking for the recast starting in early XX/XX/XXXX up until today and am now filing another complaint. I also sent a certified letter yesterday XX/XX/XXXX to their CEO demanding that the recast finally be done. In late XX/XX/XXXX, XXXX employee falsely told me on a recorded line that there was no such thing as a recast and the rest from XXXX XXXX to the present pretended they did not know anything about the recast procedure and NONE referred me to the recast department, All this is a XXXX tactic to not do recasts. In addition on XXXX XXXX, XXXX I was on a recorded line with a XXXX employee, myself and a representative of another lender, XXXX XXXX, so XXXX could confirm my payment history. I told everyone on the line that I was not refinancing with NewRez because they had not done my recast. The NewRez employee than stated she would file an internal complaint on my behalf to get the recast done. Since this was on a recorded line with two witnesses, obviously NewRez had my clear documented permission to do the recast. Still nothing has happened to date. NewRez finally sent a secure message with a recast form in very early XXXX but when I went to open it, it would not open. ( They already had my legal documented permission on a recorded line with XXXX witnesses as of XXXX XXXX, XXXX to do the recast so having me sign yet again for the recast was an unnecessary duplicate legal procedure and a delaying tactic ). Just game after game to avoid doing the recast.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am writing to delete the following information in my file. The items I need deleted are listed in the report on the previous files. I am a victim of identity theft and did not authorize these charges. I am asking that these charges on my report be removed to correct my credit report. I have already reported the theft to the Federal Trade Commission 's Identity Theft Affidavit. I would greatly appreciate that these charges are deleted from my report as soon as possible because it is hindering me. I would like to advance my lifestyle and I would need these things situated as soon as possible to do so.

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 2020-10-08
Company: Experian Information Solutions Inc.
State: MO
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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-04-26
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My brother received a letter at his address with my name on it that states I owe someone {$11.00} for some service? I'm not aware of any such debt? Service debt amount is as of XX/XX/22 and letter is dated XX/XX/22. 
I have no idea or recollection of any service or company name. They are giving me deadline of XX/XX/22. My brother sent me a text message/ copy of the front side of this notice ; I do not have a printer to print out this letter to see the back side of this letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX # XXXX is reporting a charge off with a balance that should not be on there. I have settled this account and it should not be reporting a balance to my credit.

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 2021-12-01
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE SENT LETTERS AND CALLED XXXX, EXPERIAN AND XXXX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.

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 2021-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAVE SENT LETTERS AND CALLED TRANSUNION, XXXX AND XXXX TO REMOVE ALL ADDRESSES IT HAS BEEN OVER 60 DAYS AND THEY JUST KEEP SENDING ME CREDIT REPORTS. I NEED THEM TO REMOVE THE OLD ADDRESSES.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-12
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of the 2017 Equifax data breach. My information was compromised and accounts were opened in my name that are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
We have been victims of identity theft. I never even use my credit and there is a rental property collection account on there. This is literally the only account on my credit report and I have no idea what this is in relation to. The account appears as national credit systems for {$3500.00} which is outrageous. I would like your assistance in getting the credit bureaus to recognize this account as fraudulent and have it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: AL
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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