BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] I have filed 3 previous complaints : XXXX, XXXX, XXXX, about TransUnion and how they allowed a furnisher to obtain my information under false pretenses. I had an Adverse Account put on my credit from XXXX XXXX also known as XXXX XXXX. 619. Obtaining information under false pretenses [ 15 U.S.C. 1681q ]. 

On XX/XX/2019 while on the call with a TransUnion representative she deleted the account. On XX/XX/2019 I received the Investigative Results which only stated " DELETED ''. TransUnion did nothing more than delete the account while I was on the phone with her. The furnisher did not receive any notice from TransUnion that I disputed the debt. TransUnion did not notify the furnisher at all. 

I requested TransUnion send a description of the PROCEDURE used to determine the accuracy and completeness of the information provided and TO include the business name and address of the person they contacted in connection with such information. On XX/XX/2019 the TransUnion representative said that since TransUnion " DELETED '' the information it can't be disputed. 

XX/XX/2019 I called to have the hard inquiry from this same furnisher removed. I was told I have to get a letter from the furnisher asking them to remove it. ( not going to happen ). Then I asked what purpose did the furnisher give. The representative went on to say she 'does n't know the codes and let me give you our address to send the letter '. 

Consumer Financial Protection Bureau what do I do now? After 3 disputes and three phone calls I still am being denied my rights under The Act. The furnisher had no permissible purpose to obtain my report. It is a landlord trying to collect a debt. They do not have a court judgment, they are not a credit agency nor did I apply for insurance, an apartment, a loan or employment. THEY ARE AN APARTMENT COMPLEX IN XXXX OK who obtained my information under malicious and intentional pretences.

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 2019-02-28
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:
I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, TransUnion, and XXXX XXXX XXXX  with no successful resolution. XXXX, XXXX, and TransUnion only reporting me 30 days late twice. There was definitely an error on their part. I was never two times 30 days late.

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 2021-05-17
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: Investigation took more than 30 days

Complaint:
I received an alert from Experian that a new dispute was opened for the creditor XXXX # XXXX. I have disputed this item with Experian. I have not requested an investigation by Experian on XX/XX/XXXX. 
Actually there is a complaint I submitted here reference # XXXX with the same creditor. That complaint has not been closed and is past 30 days with no communication about the status. 

They have repeatedly use my complaint here to extend investigations into this creditor. They state they have updated the item by saying its been paid and closed as of XX/XX/XXXX. That did not happen especially since this account was reported inaccurately with status showing included in bankruptcy. How can I pay an account that was included in a bankruptcy in 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 2022-04-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX {$600.00} was withdrawn out of my savings account. My PIN number was changed by an individual that gained access at the branch and withdrawal out of my account the same day. Chase bank allowed someone to access my account without my permission. On XX/XX/XXXX Ive been disputing this transaction for chase to take action on returning the money that was withdrawn. Chase sends me a letter stating We are denying your claim because we determined that the item ( s ) being disputed were authorized or you received benefit from the item ( s ). We will not reimburse your account. 
I did not authorize or receive benefit from {$600.00} being withdrawn by my account. Chase needs to take responsibility for allowing someone to commit fraud and changing my PIN number to my debit card to withdraw money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: EQUIFAX, INC.
State: GA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-05
Company: Shellpoint Partners, LLC
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against Shellpoint Mortgage Servicing Company. I have been trying to get my PMI removed from my account. I have fulfilled all requirements for the removal. ( Please see attached letter. ) I believe this was a deliberate attempt to keep me from having the PMI removed. I received the amount paid for the XXXX XX/XX/2021. Thank you in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-05
Company: I.C. System, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XXXX I started school for XXXX XXXX XXXX I received a XXXX XXXX for this tuition the Pell Grant specifically stated what the itemized issues with the money was going to be used for this included tuition materials student transportation also the student for food and rent and most definitely to pay the school after 3 months of being in school working on a laptop I never received one penny from this grant my understanding was they were going to buy me a laptop pin paper materials books rulers things that I needed to continue in school I never received anything I had to buy my own laptop with my own money after 3 months of this they sent me a bill in the mail saying I own {$600.00} for tuition I contacted the federal government and they stated that they were paying the grant was on its way I didn't have any more money to continue buying materials that I needed for class so I dropped up under the understanding is that the school did not provide what they said they were going to provide for me in order to continue being schooled that is my dispute so I'm not paying them back no matter what I didn't receive nothing and I still have to pay their money no the grant was for me not for them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Went to an ATM on Sunday ( XX/XX/XXXX ) morning and it swallowed my 'NOW ' prepaid card and my {$200.00} deposit around XXXX. I filmed the ATM malfunctioning for proof just in case they tried to argue with me. Made a claim dispute during the incident and they said it would be handled in three days and it has been over two weeks and nothing has been done. They refuse to give me back my money even though I have proof that the ATM malfunctioned. When I called a supervisor on regions green line ( XX/XX/XXXX ), she calls the branch manager ( where atm issue happened ) and the manager calls me and starts raising her voice at me ( have audio ), that she's doing her job and she's done basically done with me. I went to another regions location and filed a complaint with that manager. I will be filing a police report and others need to know how terrible regions bank customer service is and that they are thieves out to make a quick buck

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 2022-04-05
Company: Experian Information Solutions Inc.
State: VA
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2021-11-11
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:
Hello, I am a coinbase ( pro coinbase ) user. I have account with them around 10-11 months. 
My account has been under review for last couple of weeks. Even I have submitted multiple ticket to remove the " under review '' on my account, all the tickets were closed. 
This has led my account to be frozen therefore, I am not allowed to buy/sell or even transfer money, therefore, it is incurring financial loss to me. will you please advise how I can get this moving. Coinbase has not been helpful on this matter to resolve my issue or provide a status.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-06
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, I have disputed fraudulent inaccurate information with Transunion on several occasions. The most recent was XX/XX/XXXX2017 when I sent certified letter requesting originating documents of a student loan that is on my report twice. The response I received was that information was verified. I did not request " verification ''. I want all the original documents that were applied for with my name. I did not apply for a student loan, sign a contract, receive funds, or authorize use of my name. I advised them to delete this inaccurate information if they wont send me the requested documents. 

The first account is XXXX XXXX XXXXXXXX # XXXX opened X/XX/2017 The second is XXXX XXXX  XXXX # XXXX opened date X/XX/2017 The second account is the same loan with a variation of the banks name with an inflated balance and changed opened date, this also gives the illusion that these are two separate accounts when they are in fact the same account. At this point I cant even access my account online to view or dispute the information again. The supplied phone number has me holding over 97 minutes now, I really need assistance trying to deal with this company.

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 2021-11-11
Company: EQUIFAX, INC.
State: MS
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:
Information was never sent that account was in dispute and Im sending new documents showing that its in dispute and needs to be removed while under investigation by the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-11
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX Balance Owed : {$3700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: North Shore Agency, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed a charge on my bill from XXXX XXXX. I called XXXX and my CC issuer and notified them of the error. I have just called XXXX on XX/XX/2021 they said there is no account under my name or phone number and have no reference to the acct # s listed on the debt letter. I called the debt collector, XXXX XXXX XXXX, and nobody answered as of XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Specialized Loan Servicing Holdings LLC
State: UT
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Almost two years after being the servicer, SLS changed a historical document. SLS has refused to explain ( except to state it is based on previous unnamed documents ). This is FACTUALLY FALSE, as SLS 's previous documents before this confirmed an UNFIXED ( to-date ) SERVICING ERROR. An internal report ( attached ) with their parent company, states I requested this change ( WHEN I DID NOT ). And so, I would like a copy of SLS 's servicing file notes from XX/XX/2018, to the present.

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 2022-04-05
Company: Experian Information Solutions 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:
In accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A : States that I have the right to privacy.

15 U.S.C. 1681 section 604 A : It also states that a consumer reporting agency can not furnish a account without my written Instruction.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX {$0.00}

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 2021-05-17
Company: EQUIFAX, INC.
State: MS
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:
Equifax is reporting the following items inaccurately. Can someone please look into this. Thank You ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX  XXXX not mine XXXX XXXXXXXX XXXX XXXX never late XXXX XXXX XXXX XXXX never late XXXX XXXX XXXX never late XXXX XXXX XXXX never late COLLECTIONS XXXX XXXX XXXX XXXX not mine XXXX XXXX  XXXX DIST CT XXXX not mine INQUIRIES XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX  XX/XX/XXXX unauthorized XXXX F XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXXXXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX FCU XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXXXX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX CARD SERV XX/XX/XXXX unauthorized XXXX XXXX XX/XX/XXXX unauthorized XXXX XXXX XXXX XX/XX/XXXX unauthorized

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24
Company: I.Q. DATA INTERNATIONAL, INC.
State: SC
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:
In XXXX of XXXX I checked my credit report and sent a Validation letter to IQ Data International debt collection agency. I also sent to each credit reporting bureau ( XXXX, XXXX, and XXXX  ) a dispute. IQ Data International sent me in XX/XX/XXXX a copy of lease from XXXX at XXXX XXXX, as their proof of validation. However XXXX at XXXX XXXX  no longer exists. In fact they were sold as of XX/XX/XXXX under document number # XXXX with the California  XXXX County Assesors office. XXXX  XXXX is no longer than owner. IQ Data International debt   collection is reporting that I owe XXXX  XXXX, when in fact I have never had a contract nor lease with XXXX  XXXX  nor owners. Once XXXX XXXX sold the building and XXXX at XXXX stopped existing, all contracts with said owners were void. Unless a new lease with new owner was to be signed. I did not sign a new lease with XXXX  XXXX, nor did I request or agree to be grandfathered into a contract. XXXX   XXXX  has no records of me. I have never had a contract with signature with this company. IQ International Data never gave proper validation to report XXXX XXXX  on my credit report. The lease was with XXXX at XXXX owned and that business was sold and closed, therefore any debt owed to that closed and sold company is void. IQ Data International is illegally reporting on my credit reports for a company that they did not properly validate and after producing improper forms, they have still not taken the report down after 2 full years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My current auto loan is with Bank of America and it was established XX/XX/XXXX. From the date of inception I have been adding excess amount to my monthly payment with the understanding that the extra amount would go towards the principal of the loan. However after sending in a larger payment on XX/XX/XXXX, I noticed on my next months bill that my general payment was lower and the excess dollars that were being sent in were going towards future payments and interest. No where on the Bank of America site does it allow the customer to select additional payments to go to principal only, nor does it want the customer that the additional payment will not go to principal. After speaking with a BofA rep on the phone, they do not allow customers to submit principal only payments online. I was informed the only way to submit principal only payments was to fill out a ACH form, which is not available online, or to mail in a check. These practices are deceptive and prolific across the Bank of America loan population.

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 2022-04-05
Company: Penn Credit Corporation
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I never lived in Virginia or had and power service in Virginia I have tried to dispute this numerous times and they keep saying they disagree. Someone use my info and ran up a XXXX $ bill in electricity. It's not me or my authorization of this bill or account. I need it removed.I have not supplied proof under the doctrine of the estoppel by silence. Engelhardt v. Gravens ( XXXX ) 282 SW 715. 719.! I presume that no proof of the alleged debt nor therefore any such debt in fact therefore exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation