BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-12
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: Account status incorrect

Complaint:
On XXXX XXXX XXXX I contacted XXXX and TransUnion regarding the Tax Lien that is on my account under Public Records. I requested that the specified companies remove the lien from my account according to the New Tax Lien law effective XXXX XXXX XXXX that states 2 criteria for removal in which this lien qualifies because 1 ) they did not update with the county every 90 days and 2 ) The complete pertinent information is not listed on my report. Both of these companies stated they were n't aware of the new laws and that I had to file a dispute, and they are stating that they will have to wait for their company to implement such a change first. <P/>Please note : XXXX was aware of the new law and removed this lien from my report within 24 hours ...

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 2022-02-13
Company: DISCOVER BANK
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: Information belongs to someone else

Complaint:
I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with Discover Fin SVCS LLC under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from discover Fin SVCS LLC. My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. Discover had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-31
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Coinbase has disabled my account, first noticed this problem, XX/XX/XXXX, stating that my trading account has been temporarily suspended please contact our support team. I have contacted the support team on many occasions and no response, I sat on the phone on hold for 2 hours only to be disconnected. I have money in that account under a crypto currency that I want to sell and get out due to market volatility but have been able to access my account in order to do so causing me to loose a large amount of money. this is unacceptable and need to be resolved asap so I can access my money and get out!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion had a glitch which remove inquiry 's the without 5 day notice place back on account. I called and was told it they would be removed and a credit report would be sent to showing update still have not received report showing that it has. I just called XXXX spoke to someone name XXXX from special handling and to told to contact CFPB

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 2022-02-13
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: Information belongs to someone else

Complaint:
I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXXXXXX XXXX XXXX XXXX  My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-08
Company: Experian Information Solutions Inc.
State: NV
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 recently submitted a complaint on Experian with the Consumer Financial Protection Bureau on XX/XX/XXXX. The complaint ID is XXXX. Experian responded on XX/XX/XXXX. The description of relief was to remove and or block inquiries as requested. Experian agreed to remove the inquiries. Today is XX/XX/XXXX. Experian DID NOT remove all the inquires listed above. By law Experian did not remove inquiries resulting in alleged identity theft in four days after receipt. Experian is making it impossible for me to obtain new credit. I no longer feel comfortable with Experian having access to my important information. Experian is deceitful. My online consumer report has not been updated reflecting the removed inquiries. I have yet to receive an updated consumer credit report in the mail with the removed inquiries. Experian has closed the complaint without resolving the issue as stated in their response on the CFPB website. This issue needs to be resolved immediately. 

Under 15 U.S Code 1681c-2 ( a ) the law states a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt. Experian has violated the law and is well over 4 days after receit

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 2022-02-13
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXX XXXX XXXX XXXX. My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has 6 late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: Shellpoint Partners, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Submitted complaint # XXXX to which I have a response from XXXX XXXX in the Compliance department stating that the XXXX and XXXX payments would be corrected to show they were not late ( they were changed in error by New Rez XXXX, it also stated that the XXXX, 2019 payment would also be corrected as this was an error with the account number. XXXX stated in the letter to give it a few days for CRA 's to update and I have done that. This is now XX/XX/XXXX and the still are not showing corrected. There was no E-Oscar number given in the letter to show it was done electronically XXXX would take 72 hours to update CRA 's ) I have called XXXX XXXX multiple times with no response and emailed XXXX XXXX XXXX multiple time again with no response. I have called customer service multiple times and they can not see what compliance has done nor the letter that was sent, so they have not been able to help. 

My house is going to be selling and currently I have no home or apartment to go into because of this situation. Please correct the CRA 's and send the E-Oscar number to get my credit corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-13
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: Information belongs to someone else

Complaint:
I filed a police report with XXXX Police Department in Texas with the Report # being XXXX on a case of identity theft with XXXX XXXX XXXX XXXX under account # XXXX across all three credit bureaus. I had a fraudulent credit card opened in my name which I regret doing I paid this account off after numerous attempts to collect debt from me from XXXXXXXX XXXX XXXX XXXX  My information was exposed in a data breach on the dark web and with me being young at the time I didn't know that I could dispute identity theft and I thought that I had to pay this credit card even though I had my identity stolen and I had no idea about disputes. XXXX had also told me that if I paid this account this account would be put behind me and be removed from my credit report and would no longer hurt me. For the past 6 months this representative and discover lied to me. I am still being affected by this fraudulent credit card that was opened in my name as this account has XXXX late payments and still isn't removed from all 3 of my credit bureaus. I sent in the police report along with FTC reports to all 3 bureaus with no avail. I need the CFPB help with this situation as I have no where else to turn to.

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 2019-10-08
Company: Capital Markets Cooporative, LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my third complaint against CMC Funding as they still have not corrected the issue. They keep applying some of my payments to something called suspense instead of to principle. My monthly statements keep showing my next payment due is - {$500.00}. How could I possibly owe a negative amount is they were applying my payments properly?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have a previous due credit card balance with Bank of America. Without notifying me or attempting to make a payment arrangement they withdrew funds from my account in the amount of XXXX dollars and completely depleted my account. 
This company has used unfair biased practices against XXXX XXXX like myself, and targeted us to repay debt without given us the proper channels I attempted to call and resolve the dispute to set up a payment and they laughed at me called me names now my funds are depleted and I am risk of becoming homeless as I can not pay my regular bills and now I can not even resolve this debt if I wanted to thank you for you time

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 2022-02-13
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: Old information reappears or never goes away

Complaint:
THIS IS A COMPLAINT ON TRANSUNION XXXX AND XXXX THESE COMPANIES CONTINUE TO REPORT INACCURATE INFORMATION AFTER BEING PUT ON NOTICE THIS IS NEGLIGENT ON THERE PART AND A VIOLATION 1 5 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. THEY KEEP REPORTING THESE TWO COLLECTION COMPANIES AS OPEN ACCOUNTS AND I NEVER GAVE CONSENT PERSUANT15 U.S. Code 1681b - Permissible purposes of consumer reports ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2019-10-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX   XXXX XXXX, XXXX XXXX, US DEPT ED, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # 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 2022-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've feel taken advantage of while several laws are broken under the FCRA by your company this caused me defamation of character making it harder to gain access to better employment housing and overall better credit. 

These are the accounts in question : -XXXX XXXX XXXX XXXX : Account # XXXX -XXXX : Account # 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 2019-10-08
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I'm preparing to purchase a home so I had credit pulled to see what if anything I needed to work on. Unfortunately when I ran my credit, I noticed a slew of things that should not be on here because they absolutely do not belong to me. I contacted the local police and FTC. Now I need your help with this issue. I'd like all these items removed as soon as possible as they are causing a negative effect on my credit. XXXX XXXX  XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, UNIVERSITY XXXX XXXX, XXXX   XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. Also, there are even a few items on the report that do not have a name, only account numbers. Unknown item acct # 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 2022-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
This issue has not been fixed after repeated letters and calls

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 2019-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX to XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: Regional Processing Services
State: NH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/XXXX at approximately XXXX I received a message from a man telling me that he was coming to my place of work the following day to serve me with court documents relating to an arrest and I would need to sign them, as well as my HR rep or manager. He never came. Today I got a call ( XX/XX/XXXX at approximately XXXX ) stating the same thing and they provided a number to call along with a case ID. A friend of mine called, stating she was not me but was calling about information on a case. They proceeded to tell her ALL of my personal information, name, address, email address, social security number, date of birth, etc. They told her all the details about the apparent open case. This is a HUGE invasion of privacy, not once did she verify any information, she even stated she was not me. Once the debt collector realized it was not me, she stated " Oh you confirmed your name, address and social '' The friend said, no I never did, I do n't even know who XXXX is. At that point the collector abruptly hung up on her. Attempts to call back were unanswered. My personal, private information is being given out by the company and they are threatening me on a daily basis. 
Caller name : XXXX XXXX-impersonating XXXX County state employee XXXX said it was from Regional Processing LLC regarding breach of contract

Company response to consumer: Untimely response
Consumer complaint received 2022-02-13
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:
XXXX I sent a Notice of validation of debt pursuant to 15 USC 1692g, asking for the accounting, particularly the balance sheet, showing that I owe this alleged debt. 
XXXX I received a letter from XXXX XXXX XXXX asking me to settle the account without sending me the requested material and validating the alleged debt.

Company response to consumer: Closed with explanation