BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XX/XX/XXXX TransUnion ( Gon na add on the next update )  XXXX XXXX XX/XX/XXXX TransUnion ( Gon na add on the next update )

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 2021-12-06
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: Information belongs to someone else

Complaint:
ATTN XXXX Department : Remove fraudulent accounts 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 non-monetary relief
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Inaccurate information on 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 non-monetary relief
Consumer complaint received 2021-07-19
Company: EQUIFAX, INC.
State: NC
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 sent certified letters to each bureau and have not received the proper response. The items on my report do not belong to me and i have requested that they be verified with each bureau. 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 2017-08-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I HAVE NEVER HAD AN ACCOUNT WITH XXXX XXXX FOR ANY TYPE OF TITLE LOAN. THE LOAN THAT THEY HAVE BEEN REPORTING, THEY REFUSE TO IDENTIFY THE ORIGINAL CREDIT AND AMOUNT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX  XXXX Balance Owed : {$5700.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX  XXXX Balance Owed : {$210.00}

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 2021-12-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Experian allowed someone to change my user name and password on my account with them. They did not attempt to contact me beforehand but sent an email saying that I changed my email and password after they had already changed it. I am unable to log in to check for any fraud alerts. Im afraid that whoever did this will be able to unfreeze my credit and I have no way of knowing about it. 
This is unforgivable for a credit bureau.

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 2021-12-06
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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified inquiries listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous 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 INQUIRIES COMPLETELY FROM MY CREDIT REPORT : 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 2018-09-25
Company: American Accounts & Advisers, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
they were never taken off i have 3 old ones on the XXXX  credit report that should have been taken off. just like they were taken off my XXXX   XXXX CREDIT REPORT. I have complained about this thousands of time and nothing has happen. 
ones for {$170.00}, {$170.00}, {$200.00}, Now there is another one on here i have never heard of or seen anything about for {$660.00} or something like that. please help me i am just trying to fix my credit reports up so there all right around the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: WELLS FARGO & COMPANY
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I contacted my bank to issue a refund but they couldnt help me. Since the transaction was authorized they said they couldnt get my funds back. I got scammed out of {$500.00} dollars through XXXX and I think it was unfair. Sure I did send the money but I thought I was going to get my goods as promised. But of course, it was a scam and it worked unfortunately. The transaction took place on XX/XX/21. Im really hoping I could get these funds back because losing half a grand isnt fun.

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 2022-04-29
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Truist arbitrarily placed a fraud flag on my account without alerting me. As a result, I can not make payments or withdraw cash using this account. In effect, they are stealing my money. Apparently, this hold on the account has been in place for weeks. They have been taking days to remove the fraud alert and meanwhile the account is " closed for posting ''. I have spent hours between phone calls, branch visits and online chats trying to resolve this without success. They keep telling me that they reached out to someone to ask them to remove the fraud alert. It's been days and they haven't removed it. Additionally, they owed me a {$500.00} promotional bonus that they have not paid me because the account was closed for posting. Fix these things now. This is a crooked organization run by criminals. We need accountability here.

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 2017-07-04
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:
This is a huge step in the right direction but there still exist major flaws in the proposed course of action. First, the final loan assumption was XXXX 2014 ; this is the date when I officially assumed legal responsibility of the loan. Second, the response does n't even address the false reporting of delinquencies. It appears to me that XXXX XXXX XXXX is just glossing over the matter of false reporting delinquencies. That is the main issue I have with my credit report now. As the financial records prove I was never delinquent on this account. The matter is n't even addressed in the response from XXXX XXXX XXXX  because they want to change the narrative. Third, how the loan is reported is n't in accordance with the contract I signed. The contract clearly states " the loan will be reported as Modified '' and not modified under a government program. If CFPB could please get an updated letter addressing the false reporting of delinquencies that would be great. As I 've shown through proof of payment and legal assumption of the loan, all delinquencies were discharged and not passed onto me upon assumption. This needs to be corrected ASAP. I 've provided all the necessary proof validating my position is correct. As I 've dealt with this company over the years I 've learned that they will pull out all the stops to XXXX you over. In my opinion, this is just another stall tactic in hopes that I 'll accept this but I 'm not. My good credit history is all I have and they 're not going to take that away from me. Please assist me in getting this corrected. If this dispute could be reopened I would greatly appreciate it. If XXXX XXXX XXXX refuses to correct the errors then I 'll have no choice but to seek legal recourse. As outlined in the assumption I 've attempted every option other than legal action. Please assist me in making one final attempt to get this matter corrected and effectively resolved. Thanks for your assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29
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: Their investigation did not fix an error on your report

Complaint:
I have attempted to resolve this matter several times with Experian as well as with XXXX XXXX as referred by Experian, I have received a letter by XXXX XXXX XXXX XXXX in which they state they can not locate the item within their data base if thats the case how are the credit reporting agencies obtaining this information? XXXX is not reporting this incorrect information, I have attached for reference 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 2021-04-22
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had a record with this authority/leaser. I attempted to get in touch with you a few times and request verification of possession however you neglected to send me the important documentation to demonstrate that I actually own this record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX a hard inquiry was reported on my credit report from Syncb/walmart and another was reported on XX/XX/XXXX from XXXX/XXXX. I have not applied for credit from either one of the companies. I contacted XXXX to inform them of the error and to ask them to remove the inquiry from my report. As of today, I have not received a reply/response from XXXX. Both of the inquiries were based out of XXXX, Florida. I do n't want to wait 2 years to have it dropped off of my credit report. 

I do n't have any additional information of these accounts to present to you, but I can just show you what is displayed on my credit report. 
XXXX/XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX XXXX/XXXX Inquiry from XX/XX/XXXX + Thank you for your assistance.

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 2018-03-14
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: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX is continuing to report my mortgage loan as being discharged in my chapter XXXX bankruptcy. The loan was modified and refinanced per the modification agreement. I sent a letter and the modification documents to all 3 credit reporting companies. They are stating that the information from XXXX XXXX is correct and continue to report my mortgage loan as discharged in the bankruptcy.

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: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Quicken Loans to request a payoff amount on my loan. I was told there would be a {$35.00} fee. I explained that I have been a customer for 5+ years and had refinanced this loan through Quicken, would they be able to waive the {$35.00} fee? They said no. I have been diligent and saved enough money to pay off this loan to be debt free and have Quicken Loans out of my life forever and they hit me with yet another way to collect more money from me. I realize they are in business to make money but how about congratulations on paying off your loan. No. {$35.00} please. Ridiculous. Oh well, I'm on my way to achieving millionaire status and not having a mortgage payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT 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 2021-12-06
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Someone has used my social security number and unknown numbers/addresses to open lines of credit and now the inquiries are reporting on my credit which i did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: Coinbase, Inc.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2021, I contacted Coinbase to ask them to freeze my account out of caution, as it appeared that my email may have been hacked. Coinbase locked the account. Now they will not give me access to it. 

They instructed me to set up a brand new account, under a different email, and once my identification was verified, they would migrate my funds from the disabled account over to the " new '' account. I did as they instructed, but they never migrated the funds to the " new '' account. Nor can I access the " old '' account. 

It has been eight ( 8 ) days now. I have logged over 40 hours of hold time trying to get human answers from Coinbase on this, to no avail. They are evasive and only give scripted answers. 

At this point, I feel that they have stolen my money. I deposited {$20000.00} with them when I opened my account. While I understand that Coinbase is not regulated by either the FDIC or XXXX, they still have a fiduciary obligation to their account holders to protect accounts and get accounts promptly recovered in situations such as mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
On XXXX XXXX, I attempted to get my free credit reports using XXXX. I filled out the form, and sent it to XXXX, and received a complete and accurate credit report on line. When I tried this for Equifax, I was told that I had to request the credit report by mail, and that I had to supply documentation in the form of a copy of my Social Security card and my driver 's license. I have requested credit reports in the past, and I have never been asked for more information than has been on the request form. 

I will be sending the credit request form but not the other documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Professional Adjustment Corp. SW FL Inc is reporting a negative account to XXXX and XXXX that I do not owe them. I have asked them for validation of debt and they responded by sending a bill from XXXX XXXX that does not contain their company name anywhere, does not have my signature, or an original contract. A bill does not count as validation of a debt. Because they have failed to validate the debt I would like this removed from my credit. <P/><P/>Also, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allow the release of limited information about me but anything more is to only be revealed with the patients authorization.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: CITIBANK, N.A.
State: NV
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:
An inquiry from CBNAOFDEC of XXXX XXXX XXXXXXXX XXXX, TN XXXX, was placed on my XXXX   credit report on XX/XX/2019 that I did not authorize, and did not approve, I have no open account with this company or any prior dealings 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 non-monetary relief