BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a glitch in their system that violated the rights of the consumers under section 6.11. As a result I, have been gravely affected and my score is suffering as a result. No notice was ever given which is a violation and I am requesting that all inquires be removed. 

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 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 2017-05-01
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: Public record information inaccurate

Complaint:
To whom it  may  concerns, I am writing regarding a few accounts that have been on my credit report with Experian for more than 7 years. I have contacted Experian many times and they have refused to assist me. These accounts have been satisfied and closed with a zero balance but Experian has refused to remove them from my credit report. This is now affecting me financially because creditors are seeing all these accounts on my file and are refusing to assist or give me credit unless these are removed.   I have sent letters to Experian and I have never received any answers from them. I even made phone calls and I was advised I can not be assisted. I am now ready to file court papers against Equifax because unless mistaken all these accounts that have been satisfied or closed and I have a  XXXX  balance and should be removed/deleted from my credit report because it has been way more than 7 year sometimes 10 years and I can not get any assistance.   Here is the list of all the accounts :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX   ( Account opened in   XXXX    )    XXXX   XXXX   XXXX   XXXX    ( I  HAVE NO CONTRACT WITH THIS COMPANY AND THEY WERE ABLE TO OBTAIN MY MEDICAL RECORD WITHOUT MY AUTHORIZATION ) PUBLIC RECORD : TAX LIEN ( PLEASE SEE ATTACHED DOCUMENT ). THE REFERENCE NUMBER IS  XXXX . IT IS PAID IN FULL AND SHOULD BE DELETED.   PUBLIC RECORD : REFERENCE NUMBER  XXXX . THIS ACCOUNT HAS BEEN PAID AND RELEASED AND IT HAS BEEN ON MY RECORD FOR MORE THAN 8 YEARS.   I have also hard inquiries that were previously removed from my credit report but have reappeared with absolutely no reasons at all. I have sent certified letters requesting assistance and they have never responded to any of my requests : This is the list of inquiries that should be deleted from my credit report :   XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Thank 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 2021-03-12
Company: LoanUnited.com, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In process trying to refinance with LoanUnited.com -- - Started Refinance on XX/XX/2021 with LoanUnited representative Mr. XXXX XXXX. 

XXXX XXXX XXXX Mortgage Loan Originator XXXX  # XXXX | Email : XXXX Direct : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext XXXX Received email and multiple telephone calls that we were going to close on XX/XX/2021 .... and have received no further notifications other than an email stating please be patient ... no calls, nothing .... Seems vastly unprofessional and I would be terminated if my customer service skills were performed at the same level as this company. 

I've asked to speak with the CEO/Owner or whomever is in charge and nothing, no response, no attempts at contacting me by phone or email. As a side note I have sent multiple emails voicing my frustration with no response as well, other than an email from Mr. XXXX stating to please be patient ... this company should be shut down and those at the top should be thrown in prison. 

Additional contacts from emails I've received from LoanUnited.com are below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Loan Processor Email : XXXX XXXX : ( XXXX ) XXXX | Fax : ( XXXX ) XXXX Toll Free : ( XXXX ) XXXX ext XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: Experian Information Solutions Inc.
State: OH
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 right to privacy and confidentiality under 15 USC 1681. 

AXXXX 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 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 XXXXXXXX XXXXXXXX XXXX XXXXXXXX 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 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get a copy of my credit report on-line at annualcreditreport.com but it would not let me. I mailed in a paper request to Transunion with the required documentation. They never responded and I never got a copy of my report. I also wrote to them in XX/XX/2016 to ask them to put a fraud alert on my account. I never received a response.

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 2022-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2022, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating, They do not report any bankruptcies to anybody. So, if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers 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 he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to 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 According to 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 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 2023-03-17
Company: Early Warning Services, LLC
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX Account # XXXX D.O.B XX/XX/XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Re : Error [ s ] on consumer checking account screening report. 

Dear Early Warning, I am writing to request a correction of the following information that appears on my Early Warning System consumer report : Account Number # XXXX Date open : XX/XX/XXXX Date Closed : XX/XX/XXXX You reported this account closed for cause-purged. Please send me a copy of the validity of this debt and delete this debt from my Early Warnings report. 


In accordance with Fair Credit Act 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.

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: MCCUE MORTGAGE COMPANY, THE
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have always paid my mortgage two weeks early, I have been receiving letters monthly going back to XXXX? Stating that I was late. Obviously this was a major concern for myself. I called, talked about the issue, and was told it was resolved ( They received it early, suggested I pay it later in the month to fix the issue - it was applied as a principal only payment ). I started mailing my payments on the XXXX instead of the XXXX. This has happened every month since then and no one seems to be able to resolve the issue for me. I keep getting " My manager is n't available - they 'll call you back '' " I 'll call you before the end of the day '' " I 'll send you an email today no matter what to give you a status update ''. The issue right now is that I 'm " late '' on paying the late fee from paying early ; the same late fee I 've been told has been taken care of on multiple occasions. I also requested a corrected XXXX that showed my proper interest paid as the value on my XXXX is incorrect for 2015. 

At this point I do n't trust any of their accounting for my mortgage ; and no one is getting back to me or resolving my issue. I have spoken with McCue Mortgage on XXXX occasions at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Im making payments every month more than the minimum payment and my balance its going up and up every month

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 2015-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX Charge Off reporting incorrectly. 
I contacted XXXX and they were not able to provide information regarding this Charge off Account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I am trying to get a state tax lien off of my credit report, it is already paid off and satisfied and is preventing me from getting loans and credit in my name.

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 2016-02-10
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Venmo refuses to provide me access to my funds unless I send personal information over email. 

I recently changed my telephone number, and the only way this company says they can verify the account is if I send them a photo of my identification via email. Per the FTC, email is not a safe way to transmit personal information, and Venmo has refused to provide any other means to verify. I asked if I could fax, call, use a webform, perform an email verification or other way to verify, and they refuse. As a result, I do not have access to the money sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: EQUIFAX, 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:
I have called multiple times disputing these items that are unauthorized accounts and inquiries that I demand deleted. I believe the 3 main credit reporting agencies XXXX, XXXX, and Equifax this a deliberate act of discrimination, I am displeased that you included the following information in my consumer report and that you have failed to maintain reasonable procedures in your operations to ensure the highest level of accuracy in the consumer report you publish. this grave error has damaged my confidence in your companys procedures, and because of this I will no longer be extending credit, and I will not be extending my consumer credit if this information is not removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 DO NOT GIVE OUT MY PERSONAL INFORMATION TO ANYONE RANDOMLY. I BELIEVE MY PERSONAL INFORMATION WAS COMPROMISED AND EXPOSED THROUGH THE USE OF ONLINE SERVICES WHILE APPLYING FOR CERTAIN THINGS ON THE INTERNET. Yesterday I checked my credit report. While doing so I see iterns and inquiries that aren't mine. I don't understand what's going on but these items and inquiries are not mine and the all need to be deleted from my credit report. I got in contact with the police and FTC. Please help me.

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 2023-03-17
Company: WELLS FARGO & COMPANY
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:
Im not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on WELLS FARGO HOME MORTGAGE. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, Reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit report. 
Inaccurate Addresses : XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Date Opened : XX/XX/2014 Balance : {$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 explanation
Consumer complaint received 2021-03-12
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase Pro disabled my account. Im unable to withdraw my money or trade. I currently have a total of XXXX $ Where {$1000.00} are available in US dollars, and the rest XXXX $ are traded in coins. I have tried contacting support multiple times and I cant get an answer. 

On XX/XX/XXXX I deposited {$1000.00} on my Coinbase pro account and received an email from Coinbase on XX/XX/XXXX saying these funds where available for me to withdraw. Additionally I have another {$400.00} and {$100.00} that they are actually traded but again, the account is disabled and can not do anything with these as well. Ive attached the only response I have received from them. I have also opened different cases all unresolved. Some they claimed it being resolved when not.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-08
Company: Collection Bureau of America Ltd.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have contacted Collection Bureau of America via certified mail requesting validation of a claim that I owe them, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. The attempts have gone unanswered were asking for evidence bearing my signature ( Not a transaction list ), showing that I have ( or ever had ) some contractual obligation to pay them I have not received any proof that Im obligated to pay them for any debt that has been paid to the original account holder and been sold, and re-sold again to a third party collection agency. Any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from XXXX for a debt that I don't owe, is a violation of the FCRA & FDCPA. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. Therefore if Collection Bureau of America can not validate according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract, this must be removed and cease contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: ALLY FINANCIAL INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
In XXXX and XXXX I requested a copy of my credit files from each of the bureaus so that I could check my credit after an issue was brought to light by the IRS concerning a judgment which is a result of Identity theft. On checking my reports I noticed that there is a vehicle loan with a company called Ally Financial which is in default and that i am not familiar with. I need to validate this account. Please ask the company to forward via CFPB all verification documents used to open this account ; signed contractual agreement ; and Identification used to authenticate the account holder so that i can verify this debt.

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 2022-10-08
Company: EQUIFAX, 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 information incorrect

Complaint:
Reference CFPB Complaint # XXXX. 

I have received credit reporting history from Equifax via US Postal Mail. Equifax maintains that XXXX  reports " THIS CREDITOR HAS VERIFIED TO OUR COMPANY THAT THE CURRENT STATUS IS BEING REPORTED CORRECTLY. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : *MONTHS REVIEWED. If you have additional questions about this item please contact XXXX, XXXXXXXX XXXX XXXX, XXXX, XXXX XXXX Phone ( XXXX ) XXXX '' Equifax is XXXX informed that XXXX has not told you the truth. A payment to XXXX in the amount of {$650.00} for the month of XXXXXXXX XXXX XXXX was paid on XX/XX/2022. Per the documentation I have received, it is shown that the month of XXXX was " reviewed '', but the date of last payment was XX/XX/2022. I have multiple pieces of evidence that proves this to be completely inaccurate and I can provide copies of my ledger history and screenshots of the online XXXX account. According to what I see, XXXX maintains that the account is currently past due by XXXX days. This is NOT CORRECT. If Equifax can not hold finance companies accountable, then I will have no other choice but to escalate the matter. 

Please diligently investigate claims instead of lazily sending what finance companies " claim '' without getting to the bottom of the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Pay Pal continues place hard securities on account as of XX/XX/2020, The available balance is XXXX. First purchased made by XXXX in XXXX Pa, transaction successful. Made another transaction, company declined call. Made several attempts to resolve this. Company continues to decline my card even due to security issues. Company continues to be non compliant. I'm requesting please review my account last four digits of social XXXX Card last four digits is XXXX Please review calls from XX/XX/2020 until current regarding my account.

Company response to consumer: Closed with explanation