BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 


1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 


2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XX/XX/XXXX Delete this account.

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 2019-04-13
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: Their investigation did not fix an error on your report

Complaint:
My credit reports are showing that I have missed or my payments has been late 5 months consecutive putting me up at 30 60 90 days late which has affected my credit score as well as my potential to get credit I have bank statements proving payments were made and no way have I missed as many payments. I've reached out numerous times in order to get this resolved but only results I've received is report is accurate. I am not positive as to exactly when they report but it's causing hardship on my credit score.

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 2020-04-21
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is a follow-up to complain XXXX. The previous inquiry is attached. I request that Citibank confirm or deny that during my ongoing credit and banking relationship that I have met the terms of each and every agreement relating to the Citibank cobranded Credit Cards associated with the XXXX XXXX AAdvantage program, and any promotions or bonuses that go along with it. I am specifically asking about the relationship with Citibank and myself, not XXXX XXXX or their Aadvantage mileage program. Please provide specific examples of where I violated the terms of the agreements made between Citibank and myself, if any.

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 2023-08-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Florida, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Subject : Dispute and Request for Correction of Credit Report Dear XXXX XXXX XXXX XXXX I am writing to bring to your attention a violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have identified several instances where the creditor [ Creditor Name ] has failed to comply with specific sections of the FCRA, namely 15 USC-1681 section 602, 15 USC-1681 section 604-A section 2, and 15 USC-1666-B.

As per 15 USC-1681 section 602, I believe [ Creditor Name ] has inaccurately reported information about my credit history to your agency. The information they provided is misleading and has negatively impacted my creditworthiness. I request that you investigate this matter thoroughly and take appropriate actions to rectify the inaccuracies in my credit report.

Moreover, 15 USC-1681 section 604-A section 2 requires creditors to provide accurate and complete information to credit reporting agencies. I have reason to believe that XXXX XXXX XXXX XXXX XXXX XXXX finance has failed to fulfill this obligation, thereby violating my rights as a consumer. I request that you review the information provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and ensure that it meets the necessary standards of accuracy and completeness. 

Additionally, 15 USC-1666-B grants me the right to dispute any inaccurate or incomplete information in my credit report. I hereby exercise this right and request that you initiate an investigation into the disputed items associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I kindly ask that you provide me with a written response regarding the results of the investigation within the legally mandated timeframe. 

I have enclosed copies of relevant documentation, including proof of my attempts to resolve this matter directly with XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I trust that you will handle this dispute promptly and diligently, as required by the FCRA. 

Please note that, in accordance with the FCRA, I also request that you place a temporary freeze on the disputed information during the investigation process. This will help ensure that my credit report is not further impacted by inaccurate or incomplete data. 

Thank you for your attention to this matter. I look forward to your prompt response and the resolution of this dispute. Should you require any additional information or documentation, please do not hesitate to contact me at the address provided above or by phone at XXXX Sincerely, XXXX ; XXXX ( Truster )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Commonwealth Financial Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
It is reporting twice on my credit report once from XXXX XXXX  once from common wealth finance. Both for the amount of {$63.00} and both with the original debtor as XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: GOLDMAN SACHS BANK USA
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, this creditor APPLE CARD/GS BANK USA has violated my rights. On their 15 u.s.c. 1681 section 602, states I have the right to privacy. 15 u.s.c. 1681 section 604a, section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. On their 15 u.s.c. 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am interested din processing disputes on my credit report to delete an remove the inaccurate information that is hindering my transunion credit report to clear all data that is hurting my file. this is my 2nd attempt. please delete asap to clear the errors listed from the credit reporters.

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 2023-08-22
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:
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.

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 2023-04-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer report. XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3600.00}, XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$3000.00}, and XXXX XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$0.00}. Please remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I went to my bank to reply to a pre-approval I received from my bank. When I went to apply for the credit card my banker told me that I was not approved. I pulled my credit and there are things that are not mine. I have contacted the FTC and my local police. I am also doing this on my own behalf. XXXX XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX -XXXX, XXXX XXXX AN ACCOUNT WITH NO NAME ENDING ACCT # XXXX. There are also inquiries that are not mine. 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 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 2021-06-07
Company: ENOVA INTERNATIONAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I originally got a payday loan with cash net and this is the second complaint I have filed! I can not get out of this loan and they know that. I have not taken money out of this loan in month and months to try and pay it back I also tried to pay it back with my stimulus but I never received that. The only time I had borrowed more money from cashnet a was to make the payment that was due. My balance is only XXXX XXXX actually its XXXX now after NOT TAKING OUT ANY MONEY and still making payments. I have been making payment arrangements for months because I can not meet the payments that are due. They take out XXXX every two weeks and I physically can not pay that! I have spoken to advisors multiple times they change my due dates which adds interest but they never break down the payments. I have paid cashnets payments before my car payment and power to try and catch up. Where I'm at now I paid cashnet last month and it ended up making my bank account go negative then I had over due fees from my bank. I spoke to an advisor and he moved 2 payments because now I'm behind to thus month. I'm normal people can not pay XXXX dollars in one check. That is insane and they don't do anything about it. My problem is I can't pay XXXX every two weeks I was advised to speak to collections at cash net, and they emailed me back saying there was a payment plan set up but that doesn't solve the problem it puts me back where I was last month. I can't keep going negative in my account so I can pay cash net and my power bill because a balance for XXXX  is not that much and they expect half of my paycheck every two weeks and it can not happen. I have proof for trying to just have smaller payments or 1 payment and they told me no. I'm drowning, physically drowning and I am struggling. They don't care and won't work on it with me. Here 's proof of the fake customer service the provide. It is fake because they seem nice like they will help you but they will push a payment back only for you to owe more and they make it IMPOSSIBLE to catch up. I have been asking them to help me for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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 checked again my credit report and found that some of the data wereincorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Everybody : Read this and complain about coinbase at XXXX XXXX XXXX XXXX XXXX XXXX # XXXX and here : Report possible securities fraud to the SEC. Call OIEA  at XXXX, ask a question using this online form, or email us at Help@SEC.gov. 

This is a public company and they can't pull this BS anymore. 

Edit : I posted a draft of this : Hi, One XX/XX/XXXX, I had purchased a cryptocurrency from the public company Coinbase. Upon purchasing the cryptocurrency, I was allowed to withdraw it like any other coin on the coinbase platform. The abbreviation for the cryptocurrency purchased was called XXXX  XXXX. 

Basically, I wanted to withdraw the currency, and was able to as well. When I was submitting my withdrawal request, coinbase gave me an estimated time of " instant '' processing time ( Can submit photo evidence ). 

However, it has already been 8 hours and I have still been unable to withdraw it. I have contacted their support and there is no response through email during market hours. Moreover, they ask for a transaction ID when contacting their specific team of support and I am not even given one. This means that the error is purely from their end and their support for other problems are not even responding. Morever, I am unable to sell or exchange that currency back to anything else. 

You could imagine, that Coinbase gave me an estimated time of being instant but I am now stuck with the option of waiting over a day without the option to cancel the transaction. For all we know, the price of the cryptocurrency might go to XXXX  and I would still be stuck holding the coin waiting for coinbase 's transaction to go through. 

This is just ridiculous and should almost be fraud in some sense. Who would be responsible for these financial losses? I want to report coinbase for fraud and deceiving lies, which should not be tolerated for a publicly operated company where users deposit their money with a platform. 

Thanks

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-13
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C

1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN
ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.

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 2022-07-17
Company: Experian Information Solutions 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:
Your company failed to respond within 30 days to a letter i sent out about suspicious activity on my credit report. im requesting these items be verified ( and send the method of verification to me ) or removed immediately.

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 2023-08-22
Company: EQUIFAX, INC.
State: MO
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 earnestly implore you to take immediate and decisive action to remove the fraudulent inquiries from my credit report. It is crucial to acknowledge that I did not authorize these ACCOUNTS and their presence is causing me considerable distress. I kindly request that you prioritize this matter, thoroughly investigate the situation, and swiftly eliminate these unauthorized accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXXXXXX Dollars is missing from a transfer I made to fund a XXXX  Savings Account I opened over a week ago. Each day I call I get a walkaround as to why I can't access my funds nor see my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: AMERISAVE MORTGAGE CORPORATION
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Saturday XX/XX/2021 l contacted amerisave mortgage to check on a refi. All was approved and I was told my monthly payment would be XXXX and the payoff will be XXXX on this refi. This was after I provided all information needed and I allowed the rep ( XXXX XXXX ) Loan Originator NMLS ID # XXXX to pull my credit for finalizing the deal. After the credit was pulled the rep verified a few more details concerning employment and the stated well the payment will now be XXXX and the payoff is now XXXX and we need some assets!!! I said whoaaaa, what are you talking about? I have no assets. I have a truck paid for. He than asked what's it value and I stated XXXX XXXX maybe. I asked what is all this about assets all of a sudden? He literally couldn't explain and rushed me off the phone stating let me get the terms of the agreement to you so you can see for yourself ( which he has yet to do ). I asked him if he's made a mistake to just admit it and he said again let me get you the terms of the deal so you can see them. I agreed and it looks like either a bait and switch took place or this rep don't know what he was doing or saying. I wand an explanation ASAP as he ran a hard credit pull by flat out lying to me and then changing quoted amounts to highly inflated amounts with no explanation and I have yet to hear back from him or see any terms on that refi.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation