BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Transunion keeping putting wrong information on my credit report. I have call and dispute this informatin over and over i have ask them to send me copy of the verification procedures they keep sending letter back saying the same thing over again they arent verifiy the 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 2015-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 

XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: EQUIFAX, INC.
State: NC
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:
Today, XXXX XXXX reports that Equifax listed all my accounts closed with the remarks on the opened account as Consumer Deceased. I am very much alive, and Equifax is knowingly reporting to companies false information about my credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Background- as a precaution to the security breach by XXXX , and my husband 's identify being compromised. I put a freeze on all three credit reporting agencies in XX/XX/2018. On XX/XX/2018, I wanted to lift the freeze temporarily as my husband and I are buying a house and needed to have credit pulled. I successfully completed the temporary lift with XXXX and XXXX both online or over the phone on XX/XX/2018. I called Transunion after I attempted to go online but could not remember my XXXX pin. I spoke to three individuals about what alternatives they had in place other than requesting a new pin ( 3-5 business days ) by mail. I had to repeat my story three times. Two individuals asked me to guess what the pin was by giving them what I believed was my pin #. I was told by all three they could not give a new pin over the phone. I offered to verify past information on my credit report or give other specific identifying information. The last person I spoke with was XXXX ( no last name ) in " Special Handling ''. He offered that I could write a letter stating I forgot my pin, provide a copy of ID ( GA Driver 's License ), state the time period I would like the lift, and then provide my payment information, but he could not guarantee this request would be completed today. He said I would need to fax it over to XXXX. I repeated back the information and confirmed the fax number. The fax number was not correct and I had no way to call back XXXX directly. He didn't give his full name or his number. No one seemed concerned about asking me for my pin # over the phone and how not secure that request was but of course as XXXX said, he wouldn't want to go to jail over using my pin so I should assume the two other individuals who had version of my pin felt the same. I understand the need to protect consumers but when Transunion takes steps to protect consumers they also need alternatives that address the consumers needs who are honest and forthright. Transunion is only concerned about its company, not about instituting better procedures and protection. I spent over 2 hours on the phone stating my story to three people and not one person had a solution that worked. Extremely frustrating!

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 2018-02-11
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Commonwealth financial does not have a license to collect in the state of Florida. I have sent a letter of validation that I may or may owe any debt to the company commonwealth financial. Commonwealth has failed to validate any information that includes my signature when this debt became payable or any other requests that I have asked. I also feel that commonwealth financial might also be in HIPPA violation being that this is a medical bill that I may or may not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased a {$400.00} prepaid card from the company XXXX from a XXXX on XX/XX/XXXX. Checked the balance on their website shortly after I received it, to which it appeared normal. Attempted to use the card the same day on several websites, and card was declined on each one/transaction did not go through. On XX/XX/XXXX ( next day ), attempted to check the balance on the card via their website, only to receive a message saying the website and card is invalid/down. Called customer service on the same day, get through and customer service rep assures me that card is working. Attempt to check balance again after rep says this, website/card is still down. Eventually rep offers the option for them to send me a new card that can be reactivated on my own for the same balance, to which I accept. XXXX assured me that card will be received in XXXX business days. As of the end of the day XX/XX/XXXX, replacement card still has not been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: CA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and updated : 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 2018-05-11
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have been asking Navient to release my cosigners for 8 months now and can not get any specifics on why they are refusing to do so. 

I sent a letter to Navient, which they received on XX/XX/2018, requesting an explanation, in detail, for why they refuse to release cosigners even though we met their stated requirements. As of today, XX/XX/2018, they still have not answered me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
contacted the credit equifax XXXX and XXXX to notify them of the fraud on my credit report. they werent attempting to help me solve the problem and get the items removed as they should be. The accounts are hurting me and not being able to obtain credit at this time due to the enormous amount of the accounts and they keep saying the claims are frivolous or cant identify me when Ive mailed them my id and social security card multiple times please help me solve this issue please

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: General Motors Financial Company, 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: Old information reappears or never goes away

Complaint:
This account was an auto loan. It was closed and charged off in XXXX. In XXXX, GM financial reported to XXXX that the account was current by reporting a current payment which was fraudulent. GM financial reported this to keep my account in negative standing with the credit bureau. Despite several letters to GM financial explaining their fraudulent practices, there has been no movement in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello i checked my credit report for first time in while and i lots unauthorized, fraudulent, unrecognized hard inquries on my TransUnion credit profile. i demand these be investigated and removed off of my credit profile because i have never gave any consent to those creditors and i have tried to reach out to each company directly and i have not gotten any response in the past 90 days. below i will list each hard inquiry that i would like to be investigated and removed off of my credit report that TransUnion made an error and stated on there which has severely affected my score .please and thank you XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX  - XX/XX/XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2017-12-13
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I initiated a wire transfer of {$10000.00} USD from my bank, XXXX XXXX XXXX XXXX, to CoinBase Inc. I confirmed with their bank that they have in fact received my funds. However, it is has been 2 days and I still do not have the funds in my account. I have tried emailing them 3 times and they do not respond. I continue to only get bot responses that are irrelevant to my issue. I am concerned I will never see the money. A business that manages money transfers and trades should never treat their customers like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
on XX/XX/18 at XXXX XXXX I received another call from " XXXX XXXX XXXX XXXX ''. They call us every day and there's never anyone on the line when I answer. 

So this time I called their number, XXXX, and spoke with " XXXX. '' Told him we were on the do not call list. 

XXXX told me he was debt collection and XXXX didn't apply to him. 

I told him we do not have any outstanding debts. Told him he should correct the error. 

He told me I had to call another number to do that. 

I told him, no, he should correct the errors. That's not my job. And disconnected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-28
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
My vechile was repossessed by XXXX XXXX XXXX XXXX and the vechile has since been redeem. 
However the vechile has damages and their are fees associated with the towing process and additional fees has been added to my loan but since the discovery of damages to my vechile I have no intention of paying those fees nor any repairs to my vechile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear XXXX : I had some XXXX seller fees that I paid double on. These were paid automatically, and manually. I was unaware of the automatic payment, which had posted to my bank account. Having sufficient funds to cover this amount, I made payment upon it. I had no other pending transactions or activity. My account was at a positive level. Having immediate pharmacy needs, I withdrew from my account knowingly bringing it to a negative balance and accepting a single overdraft fee of {$35.00} for that withdrawal. From XXXX ( the date XXXX received payment ) to XXXX XXXX when I deposited what I could ) my account still reflected this. I also filed a refund for the double payment to XXXX. On XXXX I was charged with XXXX additional overdraft fees of {$35.00} for the XXXX XXXX transactions ( amounts of {$3.00} and {$0.00} ) made on XXXX before my account was overdrawn. Wells Fargo agreed to reverse the XXXX overdraft charges for payments that were in the amount of {$3.00} and {$0.00} once they receive a refund from XXXX. However, I still can not help but notice that my account balance was sufficient to cover these XXXX transactions before my account was overdrafted by an ATM withdrawal. XXXX has a receipt of payment posting at around XXXX and XXXX before the withdrawal according to the ATM receipt. In addition, a Wells Fargo email shows that my balance was on point to this sequence as of XXXX/XXXX/16. I can only conclude that the {$3.00} and {$0.00} were delayed by the bank after my ATM withdrawal leading to XXXX additional fees of {$35.00} each. Being in California, I beleive that this is illegal XXXX Wells Fargo XXXX which was upheld last month the the XXXX XXXX XXXX XXXX XXXX XXXX I have been making deposits to my account to pay for the single overdraw that I willingly made, however, I am still stuck with {$70.00} of fees on {$3.00} in transactions. I have written to Wells Fargo numerous times and been given the 'run-around. ' This has had a claim filed, correspondence with customer service, and passed up to the executive office with no action yet taken. Word has been given to reverse the charges upon refund, but still this does not mitigate the fact that the sequence of transactions makes the fees unwarranted. Either way you cut it, this rests in a realm between terrible customer service and questionably legal business practices.

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 2018-05-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
OnXX/XX/2018. I pulled my Experian credit report showing my XXXX XXXX account for my XXXX XXXX XXXX still seems to show open on my Experian Credit Report. A comment was placed on the account that reads " account payments managed by a financial counseling program ''. This is a fraudulent comment that has been placed on my Experian report as no payments are being managed by a counseling agency. On my XXXX & XXXX report, the account shows closed & paid off. I have been trying to resolve this with Experian for over 2 years, and they always come back saying XXXX has verified the account has still open. Experian continues to violate the FCRA and keep this account open. XXXX XXXX has not verified this account correctly.

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 2023-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 name is XXXX XXXX I am a consumer submitting this complaint on the behalf of my self without any influence from any third party being involved. Fraud had been committed, Transition is using extortionate means to collect on an alleged debt. I do not owe that resulted from extension of credit which violates tittle 18 USC 892-894 and constitutes racketeering actives and extortion. See attachment

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I just received my reinvestigation back from XXXX. They said everything is 100 % complete and accurate. I would like to receive the description according to 15 USC 1681i ( 7 ).

Because the account below is not accurate. The open date, date last active, and date of last payment is NOT 100 % accurate. 

Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They did not modify or delete the inaccurate information on my consumer report according to 15 USC 1681i ( 5 ) ( A ) ( I ).

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 2018-07-23
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i dont owe a debt to a debt collection agency. but they keep calling. i tried calling to tell them this but i get told to hold ... then they hang up

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 Credit Bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
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  Balance : {$0.00} ; XXXX XXXX Balance : {$1200.00} ; XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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