BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 am a natural person, I am a living human being, and I have right under 15 USC 1681. 

XXXX is governed by USC 1681. And they have violated my rights numerous times. I demand the accounts listed below to be removed because According to 15 USC 1681 : I have the right to privacy and did not give XXXX, TransUnion, and XXXX written permission to furnish these accounts. I reached out about my accounts and wrote letters that have not been deleted. I sent a letter to XXXX, TransUnion, and XXXX here is my tracking number... However, the credit bureaus said they completed an investigation and everything is 100 % accurate. 

I also have received removals from one credit agency but not the other agencies. In accordance with the Fair Credit Act, everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my accounts were properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and the date last reported is not accurate. The grounds for removal they also violated my rights under 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 an account without my written instruction XXXX  ( both accts ) XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( both accts ) 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 2019-07-17
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I'm always having issues with this bank. I called telling them a charge I received an overdraft from XXXX XXXX   was invalid. I went to XXXX XXXX on XX/XX/XXXX. They said that it happened on Monday, XX/XX/XXXX which was wrong. I did not go to XXXX XXXX on XX/XX/XXXX. They said the time stamp was XXXX on Monday. I work in New York, how can I be at XXXX XXXX as XXXX! I get out early on Fridays and I went to the XXXX XXXX in XXXX XXXX at XXXX. I can get a copy of work hours to show proof of the time that I was there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My credit report is showing the name XXXX XXXX XXXX and that is either my brother or my father, as my father is a XXXX and my brother is a XXXX so their names should not be reflected on my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. This account must be investigated/updated by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not fix this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible 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 2022-07-15
Company: Io, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
1. Company has not provided any factual information about this account. 
2. Company has not produced a contract between me and the collector that they are legaly entitled pursuent of this debt. 
3. Collector is in violation of numerous consumer rights 4. Collector communicated to me without my consent Debt Validation request was sent on XX/XX/XXXX and was explicitly said i will pay the debt if it is factual and accuracy this information was not produced from them and they went ahead and violated my right to privacy as per stated under United states consumer code 15 U.S.C 1681 Section ( A ) They went ahead without my written instruction and Furnished my credit file As of XX/XX/XXXX They have violated my rights and have damaged my credit of a debt that is not owed to them to this date. 

Factual information is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have disputed this through all XXXX credit agencies. I had a XXXX credit card. It was paid off and settled. XXXX still sold the debt to XXXX XXXX and they are still trying to collect on me since XX/XX/XXXX from XXXX and Since XX/XX/XXXX for XXXX XXXX. The account balances are completely different and the debt was paid off to XXXX before ever going to collection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
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: Account status incorrect

Complaint:
This account is being reported as a collection on my credit report, yet there is no historical data associated with it. This reporting is inaccurate ; it needs to be removed from 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 non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/23, I received a response from XXXX XXXX XXXX. They advised they were not going to delete the late payments from my account. They advised that they review their policies to make sure they're in compliance with consumer law. However, this is not the case. They are violating U.S. Code 1681a2. I am writing to dispute the accuracy of certain payment information on my credit report. Specifically, I am requesting that you delete all late payments from my credit report, as they fall under the exclusions listed in 15 U.S. Code 1681a2. 

According to the FCRA, payment history is excluded from credit reports, as it falls under the category of " transactions. '' Additionally, credit card utilization is excluded under the category of " experiences. '' Therefore, I am requesting that these payments be deleted from my credit report in accordance with my rights under the FCRA. 

If they don't want to follow U.S. Code 1681a2, I am writing to request the deletion of my account and all associated information from my consumer report in accordance with the Fair Credit Reporting Act ( FCRA ) Section 609. 

I am requesting this deletion because I no longer wish to have an account with your company and I do not authorize the sharing of my information with any third party without my express consent. As such, I request that you delete all information related to me from your company 's database and cease reporting any of my information to any third party. 

I understand that under the FCRA, you have 30 days to investigate my request and respond to me in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-01
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have filed 3 credit disputes, I have requested information from NCB and the documents that they provided didnt match my driver license number. XXXX XXXX filed a complaint to have the account removed and I filed 2 with credit bureaus. I also called the agency directly and it took them over 30 days to provide me with information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX Account XXXX XXXX # XXXX, has violated my rights. 

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 explanation
Consumer complaint received 2023-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
I am not a BofA customer. 
I received 4 emails from what I believe to be spam, but I am not sure, the phone number is XXXX and listed in the email. The emails knew my full name and email address. 

I called BofA to confirm that I am not a customer and there was nobody opening an account in my name but there is no number to find for fraud nor was I able to speak with any customer service rep for BofA. 

I googled the phone number and this seems to be an issue and I want it to be known that I am not a BofA customer and if BofA has allowed someone to setup an account in my name I will be forced to legal action. 

Basically is BofA wasnt corrupt and had a decent customer service department, this would've been handled.

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 2016-10-17
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX {$430.00}, This account was paid in full by insurance, yet the Collection Agency never validated this information, nor provided proof to me that they did. 
Per the FCRA Section 809, the Collection Agency never validated this debt to see that it was legitimate, nor did they provide proof that they Contacted XXXX XXXX XXXX XXXX to see if they paid the claim, like they did I would like this account removed from my Experian 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 2021-12-08
Company: American Coradius International LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received collect satement letter from ( ACI ) American Coradius international LLC ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX ) for the amount of {$480.00} ACI reference XXXX XXXX from creditor XXXX XXXX XXXX  . I contacted ACI on XXXX XXXX XXXX XXXX ( w/ XXXX  ) asking about this matter where I don't have ant XXXX  account and e-mail releted with account wasn't belong to me. She state will take care of issue but sine I read a lot of rviews agains this company I decided enter a claim at Consumer Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 they received on the letter on XX/XX/2021 regarding inaccurate and unknown thing reporting on my credit report, To this day I have not received a response yet. I feel like I am being taken advantage of as a consumer with my rights and ignored. Section 611 ( a ), it is plainly states that a failure to investigate this items within 30 days gives a reason to immediately remove those items within 30 days. They should have been deleted promptly. I sent a second letter on XX/XX/2021 they received it on XXXX demand this account be deleted immediately and sent them proof of the credit report agency reporting inaccuracy so therefore this was not properly verified, the Credit Reporting Act requires that inaccurate information be properly removed. or I will file litigation due to the stress you have caused me. Everytime I call TransUnion they tell me a different date that it was received. I mailed them a second letter asking a again to delete this unverified account. I spoke with XXXX XXXX on XX/XX/2021 with transunion he stated that the investigation is still pending, it has been over 30 days the certified

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 2023-12-21
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:
The purpose of this complaint is to have unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
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 explanation
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
this was not sent in error, and not a material misrepresentation PROCESS THE DISPUTE See attachments I did not consent to, authorize nor XXXX from any of the following inquiries. Block and remove them.

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 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
THIS ACCOUNT IS REPORTING NEGATIVELY AS A REPOSSESION ON MY CREDIT REPORT DESPITE NOT HAVING ANY HISTORICAL DATA AT ALL. THIS IS CLEARLY INACCURATE 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 non-monetary relief
Consumer complaint received 2023-12-14
Company: EQUIFAX, INC.
State: PA
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, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my SSN and I.D is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed at

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written or unwritten verbal and nonverbal per 15 USC 6802. 15 USC 6805 Obligation in respect to the disclosures of personal information.

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 2018-05-16
Company: WELLS FARGO & COMPANY
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have an auto loan with Wells Fargo Dealer Services. Due to financial hardships I have fallen one month behind and struggle to catch up. I literally work 3 jobs in an effort to catch up on my bills. I have explained this to them repeatedly and have been in constant communication with them on a monthly/weekly/daily basis to set up payment arrangements and work with them. I told them that even though I will always be a month behind, I consistently pay them. They refuse to defer a payment too. Even with these explanations and arrangements, they continue to call on a daily basis ... sometimes several times a day. It is upsetting and it is harassment. It would be different if I was ignoring them ... but I have continually communicated with them. I managed to make a payment last week, and made another one today. But I am currently 4 days late. I can't pay them again, until this same time next month. Even with being only 4 days late ... They are still calling! It is a bit over the top. Especially when you consider all the money they are making on my late fees! I sure wish I could put my name and account number here so when you send comments to them and will know who it is. They sure don't listen to me when I explain and ask them to stop calling 24/7. It won't bring the money any sooner. Obviously if I had it I would pay it! Not an easy group to work with that is for sure ....

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 2018-02-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I've sent a wire transfer to their bank ( XXXX XXXX XXXX ) in NY coming from XXXX NY last XX/XX/2017 to fund my Coinbase account. I followed all the instruction stated in Coinbase website how to deposit through wire transfer. My bank has confirmed that XXXX XXXX XXXX has XXXX the {$5000.00} wire transfer.. I opened a file with case ID # XXXX dated XX/XX/2017. I tried to contact their customer support numerous time on phone, email, XXXX, XXXX & internal messaging, but no response whatsoever. It's been over 2 months now & I missed so many buying opportunities in cryptocurrency trading. Please help me get my money back to my XXXX account or deposit to my XXXX account. 

Thank you very much. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-05
Company: FIRST PORTFOLIO SERVICING INC
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Attached is a letter from XXXX XXXX Notice of Data Breach regarding my personal information being compromised. The following account is not my account and is a result of data breach, identity theft and fraud : XXXX XXXX XXXX XXXX, {$320.00}. I did not apply for the account with XXXX XXXX XXXX Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX

Company response to consumer: Closed with explanation