BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hello, The scoring program used by TransUnion incorrectly computes a score that does not reflect their own calculation method. Here 's a breakdown : -Payment history represents 40 % of a consumer 's score. I've had over 430 on time payments and 1 late payment in 8 years. 
-Credit type and history accounts for 21 % of the score. I have various types of credit and history dating back at least 10 years ( all up to date with only one late payment ). 
-Credit utilization is 20 % of the score. My credit utilization has been at or under 35 % and is currently at 15 %. 
-Balances represent 11 % of a consumer 's score. This is confusing because it's related to credit utilization. The balance for my car loan is high compared to the loan amount because it's a new loan. It's up to date and has no missed payments. The real issue with their mortgage requirement. They view mortgages as a credit balance instead of an installment loan so it is " reporting '' my balance as high because the mortgage hasn't been paid down to their liking. Mortgages are rarely paid down more than 15 % of their " balance ''. 
-Recent credit contributes to 5 % of the score. I have two new accounts, one refinance and one auto loan. Both are up to date with no late payments. 
-Available credit accounts for 3 % of the score. My total available credit is {$41000.00}. I only have a balance of {$5500.00} total between all of my accounts. 

Considering all of the above information, my credit score should be well above 700 but instead it's at XXXX. Transunion 's new method needs to be thoroughly examined to determine errors and corrected. 

Thank you, 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 2019-03-08
Company: Milby Law Offices P.A.
State: KS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/XXXX I received notification from my employer that they were served a garnishment on me from Milby Law office in XXXX for a XXXX Limited actions case out of XXXX XXXX. I attempted to contact the law office to advised them that this was included in a bankruptcy in XXXX. XX/XX/XXXX I finally was able to speak to XXXX XXXX in the law office who stated there was this garnishment and two others they were going to take out of my check. I advised her again i was unaware of this debt or the others. She said that it had been served to an old address. I advised her this case was included in a bankruptcy and that on the other 2 garnishments that I was not made aware of them but if we could set up an agreed payment arrangement I would like to do that. She advised me I legally could not due that and it's been sent in for garnishment and there is nothing I can do now. I advised her I knew this was incorrect because I have a current garnishment I am paying on with another law firm and the garnishment is a set amount each paycheck. XXXX said " Sweetie I work in a law firm, you don't '' she told me I had no rights to dispute this debt or to do anything in regards to making a payment arrangement because they have already sent it to my employer to take it out of my paycheck. When I asserted that I did know my rights and that I have the right to she got mad and said " I just can't do this, '' and then proceeded to hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
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:
A collection item was added to my EQUIFAX REPORT. This account is not on XXXX or XXXX. I believe this is fraud. Also, if the other credit bureaus aren't reporting it why is Equifax? This is fraud, inaccurate, incomplete and a violation. This is against the law and violates my rights. I provided another credit report from XXXX pulled the same day the account XXXX XXXX is not on XXXX but is on Equifax, WHY? This is not my account! 
The account appears as : XXXX XXXX  {$80.00} it shows as an open account from original creditor XXXX XXXX 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I deposited {$200.00} into coinbase by purchasing ETH from them these funds were not made available to me. When I tried to send them to another wallet they didn't transfer. I was told that within 30 days if the transaction is not delivered it would return to my account. Later, when I contacted Coinbase customer support again after 30 days, they said the digital Cryptocurrency couldn't be refunded due to its technology. 

The {$200.00} I deposited into Coinbase is gone and the money wasn't delivered to any address. It just disappeared. 
For reference case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
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:
CRA violation no knowledge fraudulent account with XXXX XXXX XXXX, address, name, telephone and inquiries that I did not authorized appeared on my Transunion 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 2019-03-08
Company: Tower Loan of Mississippi, 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: Account information incorrect

Complaint:
I have been making payments to Tower Loan XXXX  for an account with them that was in closed status. In an attempt to correct and pay I debt off in order to purchase a home, I made arrangements to pay the company. The company has since only reported one payment and I have paid off the balance of the account. I would like the incorrect information to be removed promptly as it is hurting the process of purchasing a home.

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 2020-07-09
Company: Experian Information Solutions Inc.
State: MD
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX 09 XXXX XXXX 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : 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 2023-05-09
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-04
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX, I opened a checking account over the phone. This was tied to a promotion advertised on a flyer that I received in the mail. The promotion offered {$400.00} for opening a Premier Checking account and having a {$500.00} direct deposit prior to XX/XX/XXXX. I met the offer terms as required. Bonus was to be paid on XX/XX/XXXX. 

I did not receive the bonus on XX/XX/XXXX. I contacted the bank on XX/XX/XXXX and XX/XX/XXXX and have spent over two hours, however the reps have been unable to resolve the issue. 

I am currently still waiting for the {$400.00} bonus to be paid to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Remove all the negative inaccurate accounts from my credit report immediately Experian is committing to many unfair acts and violations to my 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 2023-03-16
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 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  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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no idea what this collection is for. I disputed it and it was accepted by one credit bureau and determined accurate by another. I have absolutely no idea what this could be for. I have not purchased cable tv or internet services in about two years. They have never sent me any bill explaining these charges, and they are NOT providing, nor did they ever, a service to my current address. 

Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Date opened XX/XX/XXXX XXXX XXXX account. {$310.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX {$310.00} XXXX updated XX/XX/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 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
On XX/XX/2020 US Dept of ED, increased my debt by {$1.00}. This somehow diminished my credit score with both TransUnion and XXXX. There should be no activity on any student loan due to the CARES ACT 2020, this act suspended all payments and set interest rates at 0 %. so how does {$1.00} get added to my account during a pandemic? Retaliation is exactly what this is and violation of a Federal Act. All three companiies/Corporations should be ashamed of themselves, its so oblivious what they did. My XXXX  score dropped dramatically due to the {$1.00} add on to a closed accounts.

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 2023-01-10
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 submitted a letter to the 3 Credit Bureaus to delete these unverified items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: TN
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:
THESE ACCOUNTS WAS LISTED ON MY CREDIT REPORT I NEVER OPENED THESE ACCOUNTS MY INFORMATION WAS USED IN A DATA BREACH CAUSE THESE COMPANIES DO NOT RING A BELL PLEASE HAVE THESE REMOVE FROM MY FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27
Company: CAINE & WEINER COMPANY, INC.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I signed a contract with a XXXX / XXXX XXXX for credit card processing services. I was told that using this company would save me money in processing fees. I later discovered that this was not true and they have a lot of hidden fees. So I gave them a call and they told me I enrolled with XXXX for a three-year contract. I started the service in XX/XX/XXXX and I called in XXXX to try and cancel. I was told by a customer support agent that I would receive thousands of dollars in penalties if I tried to break the contract. I decided to wait until the contract was over in XX/XX/XXXX only to learn that when it expired, it was automatically renewed for a year. I decided to go through my bank to cancel these charges. During COVID 19, I can not afford to pay for services that I am no longer using. They said the penalty to cancel approx {$500.00} for failure to notify of the intent of nonrenewal, plus late fees and monthly fees for a contract they renewed without my authorization. They have a lot of hidden fees and they are the worst company that I have ever dealt with. Now they have sent me to " collections '' with some weird collections agency in XXXX XXXX that keeps sending letters, email and threatening phone calls. They are only out to get people whichever way they can. I am worried that they will give me a bad credit review which will further affect me and my family. I honored the contract and I continued to pay, despite the fact that I was no longer using their services. I searched online and multiple people are in my same position.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX, has violated my rights XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
Company: OneMain Finance Corporation
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:
I had two accounts that went negative ( health issues ) and after they were closed they were paid off. They were paid off with the lender not a collection agency like it is being reported. XXXX XXXX XXXX.was paid in full yet they still report it as current payment status : in collections/charge off and account status either derogatory or charge off..they refused to correct it. XXXX XXXX was also paid off yet they show.the same that the account is still derogatory. This has hurt my score more because it is still showing current status as in collections/charge off with all 3 bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX 09 XXXX XXXX 10 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company Inquiries : 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 2023-06-13
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I recently noticed unusual activity on my credit report. Someone tried getting a car in there name and applying for multiple loans. also multiple accounts are on Experian that I have no idea about they don't reflect on any other credit beura. multiple additional inquires include XXXX XXXXXXXXXXXX XXXX XXXXXXXX, 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. reported on my report there are accounts that do not belong to me that i have no knowledge off such as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THANK YOU HAVE A BLESSED AND HEALTHY FUTURE

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 2020-10-27
Company: MoneyLion Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
Stolen funds from a provided card. Tried filing a dispute but was not permitted to. Tried soeaking to a supervisor but have yet to speak to one regarding my account. Had to close the account so no further transactions could take place but now they refuse to even start the dispute process for the stolen funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08
Company: LEXISNEXIS
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:
I am having major issues with fraudulent addresses appearing on my credit report. 
The following addresses are not mine possibly a relative or friend. I live at XXXX XXXX XXXX XXXX OH, XXXX this is my current and only address. 
XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account 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 an account without my written instructions

Company response to consumer: Closed with explanation