BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and TransUnion credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : DEPT OF EDUCATIONXXXX XXXX Balance : {$6500.00}, XXXX XXXX Balance : -

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXX XX/XX/2021 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX  XXXX Bankruptcy Reference XXXX : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Transunion Credit Bureau to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX XXXX Balance : {$160.00} XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-29
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: Information belongs to someone else

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX, Account name : XXXX XXXXXXXX XXXX  XXXX Account Number : XXXX, Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX Account name : XXXX XXXX XXXXXXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name XXXX XXXX XXXX XXXX  Original creditor : XXXX XXXX XXXX XXXX Account number : XXXX, Account Name : XXXX XXXX Original creditor : XXXX XXXX XXXX  Account number XXXX XXXX, Account Name : XXXXXXXX XXXX  Account number : XXXX, Account Name : US DEPT OF EDXXXX Account Number : XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 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 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 2023-03-29
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: AR
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, AR XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
My name is XXXX 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 reports no consent is fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I sent to Coinbase the following transactions, and they were sent through Coinbase to XXXX and XXXX. 
XXXX and XXXX were fraudulent broker sites. 
User XXXX XXXX Timestamp Spot Price Currency Subtotal Total ( inclusive of fees ) Fees Notes XXXX USD {$980.00} {$1000.00} XXXX Bought XXXX XXXX for {$1000.00} USD XXXX USD {$9400.00} {$9600.00} XXXX Bought XXXX XXXX for {$9600.00} USD XXXX USD {$1200.00} {$1200.00} XXXX Bought XXXX XXXX for {$1200.00} USD XXXX USD {$19000.00} {$19000.00} XXXX Bought XXXX XXXX for {$19000.00} USD XXXX USD {$970.00} {$990.00} XXXX Bought XXXX XXXX for {$990.00} USD XXXX USD {$490.00} {$500.00} XXXX Bought XXXX XXXX for {$500.00} USD XXXX USD {$44000.00} {$44000.00} XXXX Bought XXXX XXXX for {$44000.00} USD XXXX USD {$13000.00} {$13000.00} XXXX Bought XXXX XXXX for {$13000.00} USD XXXX USD {$40000.00} {$40000.00} XXXX Bought XXXX XXXX for {$40000.00} USD XXXX USD {$16000.00} {$17000.00} XXXX Bought XXXX XXXX for {$17000.00} USD XXXX USD {$17000.00} {$17000.00} XXXX Bought XXXX XXXX for {$17000.00} USD XXXX USD {$29000.00} {$30000.00} XXXX Bought XXXX XXXX for {$30000.00} USD XXXX USD {$12000.00} {$12000.00} XXXX Bought XXXX XXXX for {$12000.00} USD XXXX USD {$940.00} {$960.00} XXXX Converted XXXX XXXX to XXXX XXXX XXXX USD {$1000.00} {$1000.00} XXXX Converted XXXX ETH to XXXX XXXX {$210000.00} {$210000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
On XX/XX/2020, I sold a bike using XXXX XXXX. 
The buyer come to my house, picked up the bike, and paid me {$130.00} via PayPal. 
After the transaction was complete, and the seller left, I realized PayPal had placed a " mandatory '' 21 hold on the {$130.00}, to " allow for shipment ''. 
But I do not now, nor have I ever, shipped items to anyone. 
I reached out to customer service, and after going in circles with their automated online assistant. A live customer service agent told me that I would need to contact the seller and have them log into their account and let PayPal know that the item had been received for them to release the funds to me. 
I reached out to the buyer, but they are unable to log into their PayPal account. 
So PayPal has my funds frozen, and unavailable to me. I do not understand how this is legal. They've imposed an unreasonable rule and are illegal withholding my money. 
Please help. I do not own a business, or have any resources to fight this. I need the CFPB to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Global Lending Services LLC
State: MS
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:
I have hard inquiries that dates back from 2021, that i didnt authorize. No one seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Exeter Finance Corp.
State: MS
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:
I have hard inquiries that dates back from XXXX, that i didnt authorize. No one seems to want to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
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:
In accordance with the Fair credit Reporting Act, XXXX Account # XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section ( 602 ) states that I have the right to privacy. 15 U.S.C. 1681 Section 604 ( A ) Section 2 a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: Solar Mosaic LLC
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
MOSAIC FINANCE CLAIMS TO HAVE UNDERWRITTEN A LOAN TO ME FOR A SOLAR SYSTEM INSTALLATION ON MY HOME ON XXXX.  THE LOAN PROCESS APPLICATION WAS APPLIED FOR IN MY HOME ONLINE WITH THE ASSISTANCE OF A SALESPERSON FROM THE NOW-FAILED SOLAR COMPANY, XXXX XXXX XXXX XXXX XXXX XXXX.  MOSAIC ENTERED INTO A FINANCING AGREEMENT FOR XXXX XXXX CLIENTS.  

AS OF XXXX, XXXX  BEGAN BILLING ME FOR THE MATERIAL SECTION OF THE LOAN AT XXXX A MONTH.  MOSAIC CLAIMS IT PROVIDED FUNDS TO PURCHASE MATERIAL TO XXXX XXXX.  TO DATE, I HAVE NO EVIDENCE THAT SUCH FUNDS WERE PAID TO XXXX.  IF IN FACT THE FUNDS WERE ISSUED TO XXXX, I CONTEND IT WAS MADE ERRONIOUSLY BY MOSAIC DUE TO THE FACT THAT THEY KNEW THAT DOCUMENTED LEGAL COMPLAINTS WERE BEING MADE AGAINST XXXX.  XXXX XXXX IS CURRENTLY BEING
SUED BY THE ATTORNEY GENERAL OF XXXX  FOR NEFARIOUS BUSINESS TACTICS AGAINST XXXX  HOMEOWNERS.  THE COMPLAINT LISTS COMPLAINTS GOING BACK THROUGH XXXX.

I WAS CONTACTED BY A MOSAIC REPRESENTITIVE WITH THE INTENT TO GATHER FACTS ABOUT ANY MATERIAL OR LABOR PERFORMED BY XXXX.  I EXPLAINED THAT I HAD RECEIVED NOTHING.  I ASKED HIM FOR FURTHER ASSISTANCE, AND HE EXPLAINED THAT HE COULD OFFER NOTHING AND THAT I WOULD BE CONTACTED BY A RISK REPRESENTATIVE AT SOME POINT.  

TO DATE, I HAVE NOT BEEN CONTACTED BY ANY MOSAIC REPRESENTITIVES IN REMEDIATION OF THIS ISSUE.  I CONTINUE TO GET BILLS AND LATE PAYMET NOTICES.  I RECEIVED AN EMAIL, AND I AM ATTACHING HERE DOCUMENTS PERTAINING TO SOME FORM OF ASSISTANCE.  HOWEVER, NO SUCH ASSISTANCE WAS EVER PROVIDED.

IT IS MY OPINION THAT MOSAIC MAY HAVE OR MAY NOT HAVE ISSUED FUNDS, BUT THEY ARE BILLING ME ANYWAY FOR A LOAN WITH THEIR FULL KNOWLEDGE OF XXXX XXXX FINANCIAL COLLAPSE AND POSSIBLE FRAUD AGAINST CONSUMERS.  

MOSAIC
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: EQUIFAX, INC.
State: CO
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 Account # XXXX, has violated my right. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-13
Company: General Motors Financial Company, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX XXXX XXXX GM Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: United Shore Financial Services, LLC
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
- Tried to set up automatic payments online, unsuccessfully due to a software issue that the mortgage company experienced. 
- Tried 3 times to set up automatic pay on the phone as customer service walked me through. Customer service should be able to check on their end once I had completed the task to see if it was set up correctly - The only notification of whether or not it is correct was a letter in the mail. 
- I had received letters prior but never receive one the last time I tried to set up auto pay with customer service on the phone - It is set up correctly with the same exact bank account information on another loan I have with united wholesale mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: MOHELA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I filed a TEPSLF and PSLF application with MOHELA on XX/XX/XXXX. This certification certified my employment with the Social Security Administration from XX/XX/XXXX to the date of the application filing XXXX XXXX ( I have attached a copy ). I patiently waited for the Department of Education to certify my qualifying payments -- which just happened yesterday XX/XX/XXXX. I have 127 qualifying payments per that official count, however, MOHELA claims that only 119 of those are counted toward forgiveness because they do not have employment certification for the XX/XX/XXXX payment which would put me at 120 payments and therefore mean that my loans are completely forgiven under TEPSLF/PSLF. Thus, the failure to process my paperwork submitted nearly six months ago is what is standing between me and having my loans forgiven nearly 8 months ago.

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 2023-03-29
Company: Experian Information Solutions Inc.
State: MA
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:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 2023-03-29
Company: ENOVA INTERNATIONAL, INC.
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 these creditors have violated my rights under 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604a, section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 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. 
These are the creditors as follows : 1 ) XXXX XXXX XXXX XXXXXXXX 2 ) XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX 5 ) Netcredit

Company response to consumer: Closed with explanation