BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: SN SERVICING CORPORATION
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reach out to SN Servicing because I was sent a letter saying I was {$15000.00} behind in my mortgage when for a XXXX I have been sending in the payment amount of {$600.00} and when I called they were very RUDE to me as I was trying to understand what happened and why they said I owe that amount because my escrow had went up, I was not aware that it had went up or that my payments had changed. I completed a loan modification to try and reduce my payments so I can continue to live in my home and was told I was denied. I spoke to XXXX XXXX and she said her investors told her to go forward with Foreclosure. I am not sure who my XXXX Holders are and I am not sure what is going on, I have not been getting any mortgage statements in the mail. I was calling and leaving messages and resorted to e-mailing trying to get some help with this matter. Once I realized my insurance is what made my escrow go up, I have found some cheaper home owners insurance but they are refusing to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Experian Information Solutions Inc.
State: AZ
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:
Experian failed to resolve dispute with XXXX XXXX XXXX they only have 3 reasons and three codes and none of these reasons fit they just picked one of the three and did not work because none of the three fit my situation. They did not file the dispute for the reason that I ask. They need to add more reasons. I have mailed Experian documentation supporting my dispute and they have not responded.

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 2019-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
My XXXX XXXX University Perkins Loans were transferred to the XXXX   XXXX XXXX XXXX  in XX/XX/XXXX. These loans for these exact amounts : {$1100.00}, {$600.00} and {$300.00} were already on my 3 credit reports from XX/XX/XXXX-XX/XX/XXXX. After they were sold to the XXXX  XXXX  XXXX XXXX, they resubmitted these same loans as NEW debt to my XXXX  and Transunion credit reports. The loans went into default in XX/XX/XXXX! I have not returned to college and these are old loans, still being garnished. 

Per the Fair Credit Reporting Act ( Federal law ) derogatory accounts can only show for 7-years from the date of first delinquency which works out to 7-years and 180-days. My name is XXXX XXXX. XXXX, my SSN # is XXXX. My XXXX   XXXX XXXX XXXX Account # is XXXX. I attended XXXX   XXXX University from XX/XX/XXXX-XX/XX/XXXX. My student loans went into default in XX/XX/XXXX. My paychecks have been garnished from XX/XX/XXXX-present by the XXXX XXXX XXXX XXXX   but that does not make these new accounts. All of the following loan servicers have been on my credit report in the past : XXXX XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX University Perkins Loans. All were on my account for 7.5+ years with the last XXXX XXXX falling off in XX/XX/XXXX. I have not attended college since XX/XX/XXXX, so there are no new loans.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
In accordance with the Fair Credit Reporting Act XXXX the following accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX # XXXX {$5300.00}, XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$7700.00}, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$510.00}, XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$440.00}, 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 602 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Dear Transunion, I am writing to request the removal of a late payment from my credit report. The account in question is XXXXXXXX XXXX 
I have recently become aware that this account has been reported to your agency in violation of the XXXX XXXX credit reporting guidelines. Specifically, the account was reported with a late payment status, despite the fact that the payment was made within the grace period as per the XXXX code.

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: Experian Information Solutions Inc.
State: AZ
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:
Re : Formal Compliant Against XXXX, Experian, XXXX and XXXX XXXX. 

To Whom it may Concern : This a formal compliant against the Creditor XXXX, and the three credit bureaus Experian, XXXX  and XXXX XXXX. They all have failed to send a written correspondence within 30 days and violated the FCRA & FDCPA laws. XXXX was sent a certified letter on XXXX19, and it was received on XXXX19 and  signed by a XXXX employee. I have not received a correspondence letter back from them. I sent the next letters to the Experian, XXXX   and XXXX XXXX, to address the inaccurate reporting on on my credit file, but theses bureaus have not sent me back a written correspondence to get a resolution to the issues that are very negative on my credit report. For all three bureaus letters were sent certified on XXXX19 and delivered on XXXX19 and signed by each of their employee 's. I have failed to received any correspondence to address this inaccurate 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 2022-10-05
Company: EQUIFAX, 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:
EQUIFAX did not do a proper " investigation '' according to the FCRA. 
XXXX XXXX XXXX Account # XXXX The term " Investigate consumer report '' means a consumer report or portion thereof in which information on a consumes character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom the consumer is acquainted or who may have knowledge concerning any such items of information. 
EQUIFAX Did not do this. 
Also EQUIFAX has violated my rights in accordance with the Fair Credit reporting act everything has to be 100 % accurate. 
EQUIFAX stated my account was properly investigated but how is that possible if the late payment dates are being improperly reported? A late payment should report as 30, 60, 90, 120. Yet, my report reflects 30 days late twice within a 60 day time period twice in 2021. 
Also how was a proper investigation completed when the high credit amounts are being reported at different amounts? Also within review of my most updated completed investigation from Equifax on the account XXXX XXXXXXXX XXXX the dates OPENED are reporting differently on my most updated report that was sent to me by Equifax after the investigation was completed. Last the date of the last payment is also being reported differently on the report. 
This is grounds for removal as Equifax informed me a proper investigation was completed and the information was accurate when in fact the information is not. 
I have submitted the reports that were provided to me after the investigation was completed. Within the attached documents you will find the highlighted false information within the reports. 
My right as a consumer have been violated Based on the following laws : 15 USC 6802 ( b ) 15 USC 1666 ( b ) 15 USC 1681 Sec 602 ( a ) - I have a right to privacy Please update all payments on the account to on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XXXX  I have been disputing multiple violations on my credit report dutle to i.c. systems. First have not ever received any correspondence or notification regarding the debt in order to dispute the debt. Second, I have not given ANY EXPLICIT PERMISSION, to XXXX XXXX XXXX XXXX XXXX to sell my personal informations which is a complete violation of my HIPPA RIGHTS. THIRD, I HAVE SENT a debt validation request, involving my identification and my social security number, on the document certified mail. Asking to breakdown fees including collection cost and medical charges, a COPY of my signature with the provider of the service to release my medical information to I c systems, and to cease any credit reporting until it has been validated. Which has not happened they have recently reported XX/XX/XXXX I believe. They have denied my request to validate my debt and still have yet to delete the debt from my credit report yet again violating FCDPA AND FCRBA. THEY CLAIM THAT ARE UNABLE TO RESPOND TO THE IDENTITY. BUT I HAVE PROVIDED ALL INFORMATION REQUIRED BY LAW. It is obvious that to me that they are not willing to follow the laws stated above. I am requesting assistance and redress.

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 2021-07-02
Company: Paypal Holdings, Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
VENMO ACCOUNT OPENED IN MY NAME USING EMAIL ADDRESS XXXX. REQUEST TO CLOSE ACCOUNT WAS SENT XXXX XXXX XXXX. INSTEAD, VENMO RESPONDED WITH CHANGING THE EMAIL ADDRESS WITHOUT BEING PROVIDED A DIFFERENT EMAIL ADDRESS TO CHANGE THE ACCOUNT. NOTIFIED ANOTHER VENMO REPRESENTATIVE THE ACCOUNT IS FRAUDULENT AS NO ACCOUNT ACTIVITY EXISTS AND THE PHONE NUMBER ASSOCIATED WITH THE ACCOUNT IS INCORRECT. MULTIPLE ATTEMPTS HAVE BEEN SEEN TO FEDERAL AGENCIES NOTIFYING OF IDENTITY THEFT AND THE REPORTS JUST SAT IN THE QUE. ATTEMPTS TO ACCESS PROTECTED FUNDS MAY NE ASSOCIATED WITH FRAUDULENT ACCOUNTS IN ROYAL MEMBER NAMES OR INDIVIDUALS GIVEN PROTECTED STATUTES.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: ProCollect, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I TOOK A LOOK AT MY CREDIT FILE AND NOTICE THERE WAS A COLLECTION FROM PRO COLLECT, THAT does NOT BELONG TO ME. I SENT A LETTER OUT TO THEM IN REGARDS TO A FRAUDULENT COLLECTION I FOUND ON MY CREDIT FILE AND TOLD THEM THAT WAS DONE FROM AN IDENTITY THEFT, I HAVE NO KNOWLEDGE OF ANY SUCH DEPT I HAVE WITH PRO COLLECT AND ASK THEM TO PLEASE DELETE THIS COLLECTION FROM MY FILE AND THEY HAVE REFUSE TO DO SO. I JUST FILED A COMPLAINT WITH THE ATTORNEY GENERAL OF XXXX TX YESTERDAY AS WELL.

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 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 do not consent to electronic communications. I request all responses be in writing through the USPS I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 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 2021-07-02
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
CoinBase won't resolve my case. I still haven't ever heard from a specialist nor have I had any of my formal complaints responded to. 

Case numbers : ( My dozens of attempts to get in touch with the exchange ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently read that coinbase is a " fiduciary '', ( legal term ). They have a legal responsibility to act in the best interest of their clients, or in our cases, account holders. Coinbase did NOT act in my best interest when they locked me out of my account back on XXXX. All my efforts to resolve this have been to no avail. I've lost access to my portfolio since then, and the appreciated value thereof due to a sim card swap. I had two factor on as well as XXXX authentication but most of my funds were still stolen somehow. I believe there's still money in my portfolio but I still haven't been able to access it. I've re-sent verification weeks ago to reactivate my account but never heard back. If I do hear anything from their team ( which is rare ) it's always just a runaround that they're waiting for their specialist to gather more info before they will contact me. I've been locked out for soon to be three MONTHS now. I was told that they would respond within 15 business days 30 days ago and they are ignoring my repeated attempts to resolve this matter. CoinBase has no doubt effectively stolen my life savings at this point and I don't know what to do next. I've reached out to my local Police Force as well as XXXX XXXX XXXX. I've used CoinBase for six years and I've never in my whole entire life experienced such shady business practices or deplorable customer service. 







After submitting a complaint on their website it reads " We hope there will never be a need for you to refer your complaint for litigation purposes but please be advised that our internal complaints process will need to be completed before any litigation process is initiated. '' Which to me says " We will never unlock your account so you can never sue us. '' CoinBase is a fiduciary. They have a legal responsibility to act in the best interest of their clients, or in our cases, account holders. CoinBase did NOT act in my best interest when they locked me out of my account back on XXXX. All my efforts to resolve this have been to no avail. I've lost access to my portfolio since then, and the appreciated value thereof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
There were ( XXXX ) deposits initiated from my bank to coinbase. Since my bank was being acquired by another bank, there were internal issues with processing the transactions so all ( XXXX ) deposits were returned as nsf. Coinbases policy is that they auto-recover the funds in 5 days from my coinbase account if the deposit is not successful. It has been over a month and my coinbase account with the non-auto recovered funds and my own funds is XXXX until the deposits are taken care of. This means coinbase never auto-recovered my funds and there is no resolution as coinbase wont allow a deposit attempt again from the same bank account. The total amount that coinbase needs to auto-recover from my coinbase account is {$370000.00} which they are able to do but for some reason are not since my account balance is {$400000.00}. Coinbase virtually has no customer support. I have sent several emails regarding the issue with no resolution but more of a generic response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-04-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reviewed my credit profile and I believe following accounts are not reporting accurately. Please investigate and verify the following information. If these accounts can not be verified please delete the derogatory remarks from my credit report, 1. I do not recognize the account name and account number of the accounts listed below. Please verify the correct name ( including the trade name that the credit account may have been marketed under ) of the original creditor and full account number so I can verify the account against my records. 

2. On some of the accounts listed below, I believe that you are incorrectly reporting the credit limit, current balance and the high credit amount. Please check your records and update accordingly. Please do not report incomplete information as this may harm my credit profile. 

3. On the accounts listed below, you are not reporting the correct status of the account. Please verify that the status of each account is reporting the most current and accurate status, keeping in mind that the status of the account may have changed since the first or last time you updated this account. 

4. On the accounts listed below, accordingly to my recollection, I was not late to the extent you are reporting. Please double check your records regarding my payment history and update accordingly.

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 2023-03-20
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
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: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are incorrectly reporting me as an Authorized User on the XXXX XXXX - partial account number XXXX. ( Please see pages 3 and 4 of the attached credit report. ) I called XXXX XXXX XXXX and let them  know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX  however XXXX  and Transunion have not removed this from my credit report. I have contacted the two bureaus to fix this issue however, I have not been successful. This negative reporting is harming my credit score and this line item 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 explanation