BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
TransUnion is reporting bankruptcy info on my credit that isnt valid Ive called and ask to remove they refused, contacted the bankruptcy court they advised they do not report to the credit bureaus and is unaware of why its showing up.

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 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Transunion is required by FCRA to report accurate and complete information on my credit report or delete reporting the inaccurate items after investigation.VA DEPT SOCIAL SVS DCSE, ACCOUNT NO. XXXX ... .WAS reporting an XXXX balance owed for 5 years 7 months after it was paid until this week ... ... for these 5 plus years it was false and damaging to me, entitling me to seek court redress against the furnisher.Transunion has allowed the furnisher to update the record partially and not completely.Transunion allowed the furnisher to backdate their error, to hide the fact of the injury to me to allow the furnisher to say in writing that the error was corrected in XXXX instead of last week.THE DATE OF LAST REPORTING MUST SAY XXXX XXXX NOT XX/XX/XXXX.ITS TRUE THE FURNISHER CORRECTED THE BALANCE TO XXXX BUT THAT SHOULD HAVE BEEN DONE 5 YEARS AGO.TRANSUNION AND THE FURNISHER HAVE PUBLISHED THAT THE CORRECTION WAS MADE IN XXXX WHICH IS FALSE INFORMATION. 
ALL INFORMATION MUST BE ACCURATE INCLUDING THE DATE OF LAST REPORT. 
I CAN COLLECT DAMAGES FROM THE FURNISHER FOR THE FRAUDULENT REPORTING FOR 5.5 YEARS.I HAVE GIVEN YOU THE CHANCE TO DELETE REPORTING BUT YOU HAVE CHOSEN TO HIDE YOUR ERROR BY FURTHER MISREPORTING SO AS TO AVOID DAMAGES, LOSS OF EMPLOYMENT, ETC.

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 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 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.

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 2020-11-11
Company: UMPQUA HOLDINGS CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Filed for forbearance back in early XXXX of this year due to COVID-19. Got approved for 6 months. Filed because I am a sole prop. and business had completely halted due to the SIP order by the state of CA. 

Many of my prospective clients either pulled their contracts OR we could not get to their construction due to the SIP order. Business took a big hit. 

Per my finance who holds my mortgage loan, my missed payments will not be reported to the credit bureaus but yet I see it on my 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 explanation
Consumer complaint received 2017-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
During a review of my annual credit report in   XXXX   XXXX   I found an account for  XXXX   XXXX . I do not have, nor have I ever had a satellite service and I have never done business with  XXXX   XXXX . I contacted the credit reporting company to file a dispute but they report their investigation is complete and the account is valid. In   XXXX   XXXX   I contacted  XXXX   XXXX  directly and asked for proof of the validity of my account ; however, they refused to speak to me stating that the account has gone to collections and I must contact the collections company. In  XXXX  of  XXXX  I contacted a company called   XXXX   XXXX   XXXX   and requested proof of my debt but all they provided me with is a cover letter stating " the debt is valid, attached is verification of the debt '' and a past date bill from   XXXX   XXXX   XXXX   for an account with my name but at an address I have never lived at, nor been associated with. They are incapable of providing proof that this debt is mine but they are unwilling to remove it 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 explanation
Consumer complaint received 2022-09-18
Company: Coinbase, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Coinbase debit card. 
Debiting pending transactions Then when payment went through ( another debit ) but have not refunded pending debit. 6 times for total of {$600.00}. 
Dates and locations as follow : XX/XX/22 XXXX XXXX  # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/22 XXXX XXXX # XXXX XXXXXXXX XXXX {$100.00} pending XXXX XXXX # XXXX XXXX {$100.00} ( transaction completed ) XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXX - XXXX XXXX - {$100.00} pending XXXX - XXXX XXXX - {$100.00} pending The above transaction were declined but and did not complete but still they debited {$100.00} each for pending. 

When I add up all the deposits to fund card and subtract debits. I am short {$600.00} I have contacted Coinbase several time by phone and email and have been issued a ticket number. I provided above info. I keep getting the run around. I know Coinbase laid off 18 % of their employees and are probably having trouble taking the time to review. 
I've seen other complaints on XXXX and one person got his problem solved thanks to you CFPB. 
I hope you can help. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: EQUIFAX, INC.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C. 1681 Section 602 A states I have a right to privacy 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Recently I had the opportunity to talk directly with XXXX XXXX XXXX at XXXX XXXX, CA and felt inspired to reach out to discuss an issue that occurred through one of the biggest military savings bank, USAA, in 2015. I had heard some of the benefits of SCRA and did plenty of research. I reached out to USAA and asked them if they would honor me, a 17 year XXXX XXXX XXXX, with SCRA benefits, for ex. lowering my APR on credit card bill. They responded with not only a no, we ca n't do anything for you, but stated that it only is good for those members that recently XXXX or were XXXX, and it 's only good for 60 days after you return or moved. I stated to them, per the law, these benefits were to extend to a servicemember during their entire commitment to the military and would terminate 30-90 days after discharge from the service. They stated that I was in fact incorrect, and that they were only required to cover a member with benefits from SCRA if they were XXXX. They even had a clause that stated if you achieved a XXXX, that it may qualify you for the SCRA benefits. I submitted my XXXX, and they stated it was too far out of the window. I have copies of both denial letters. My frustration is that other banks can honor different things with the same law. I 've had some military members ask their bank about SCRA and they had granted the lower APR while on XXXX XXXX even if there was a debt incurred prior to active service. Some actually received back pay for their credit card interest over 6 %. Maybe it is my own personal feelings, but how is this equal that a person can incur massive debt prior to the military, apply for SCRA and have his APR reduced to about 6 % and it remains active for 20+ years but a young XXXX that was a bit more financially responsible can not receive the same benefits if they inquired about SCRA the first day after enlisting? They may choose to spend the next 20 years fighting for a lower APR by constantly charging higher APR credit cards that they qualify for, take out several loans, store credit cards, trying hard just to maintain their credit and perhaps never reach a 6 % APR? According to USAA, you only can qualify for SCRA benefits if you have orders to PCS or deploy and that will only be good until you return to your homestation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
The following Inquiries have been unauthorized to run my credit. I have no acknowledgment of these inquiries and never authorized. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i am a victim of identity theft. the inquiries on my report I do not recognize

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 2022-09-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This is updated evidence documents for previous filed complaint. Cant attach more to it so adding the information and sent to Bank of America

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 2022-09-18
Company: Experian Information Solutions Inc.
State: ND
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:
I have noticed on my Experian report that Experian reports my XXXX XXXX to be over {$66000.00}. 

I only have two loans both with XXXX XXXX. Those loans as of XX/XX/22 have a total of {$22000.00}. 

This incorrect information is hindering my ability to secure any further loans with XXXX XXXX, which is my primary financial institution. 

I have contacted and spoken to two reps at Experian, who very quickly noticed and acknowledged the incorrect information. The last rep I spoke to indicated that a Supervisor would have to look into this and then would call me. That was months ago and I still have not been contacted. Experian, has also made it more difficult to get a hold of rep on the phone to discuss the mattter. 

This issue needs to be resolved as quick as possible or legal action will be considered.

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 2015-05-12
Company: Columbia Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
They had me served at a bogus address so they would win by default they garnished me repeatedly without me noticing. Refuse to send me a statement refuse to tell me how much money they have received or is owed, refuse to notify court & credit bureaus that they have been paid. They also garnished the corporation 's bank account that I am a member in not my personal account not my money. I had no knowledge of this debt never received a bill the hospital failed to bill me or my insurance. I found out about this when I had my identity stolen i found it on my credit report and called them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: Financial Credit Service, Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter in the mail from ARA inc . They told me that I owe them {$3300.00} for my XXXX Account. 

I do not recognize this debt to be mine. I contacted my local law enforcement agency who told me that this is most likely a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-09
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I manage my moms finances as she is XXXX and no longer able to handle. I pay her bills online. She had a bill due to XXXX XXXX ( an XXXX company ) for {$38.00}. I confirmed this amount in a phone call to XXXX on XXXX/XXXX/XXXX. I spoke with XXXX. This amount was paid electronically via my mothers online bank account and confirmed delivery to XXXX on XXXX/XXXX/XXXX. Today, XX/XX/XXXX, I received a letter from a collection agency IC SYSTEM saying I owe {$38.00} as of XXXX/XXXX/XXXX. I immediately called XXXX and according to their automated System the balance on the acct is {$0.00}. No one was available in billing because today is Sat. Since my mother 's bills come to me they have put my name in collection for no reason and damaging my credit rating which has been stellar to date ( XXXX ). 
I am getting harassed by this collection agency with many calls throughout the day leaving no messages. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: Harley Davidson Financial Services Inc
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I filed for bankruptcy and it was discharged XX/XX/2020. My loan with XXXX XXXX was included in my bankruptcy. After my BK was discharged, I disputed the info and the notation was updated to XXXX balance. Since then, XXXX XXXX has continued to update my balance on the account as outstanding & not included in bankruptcy. The latest update on XX/XX/2020 on my XXXX credit report listed the account as having a balance of {$10000.00} and the remarks state charged off/affected by natural disaster/fixed rate amount in high credit is original charge off amount.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Navy Federal continues to report inaccurate account information to XXXX, XXXX, and XXXX credit reporting agencies which continue to cause me irreversible harm. 

I have attached the following documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-18
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX, EQUIFAX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been trying to get this credit card off my report for over a year now, I advised Experian to put Fraud Alert on my credit because someone had stolen my Identity, I DID N'T get a credit card with XXXX XXXX, the only thing Experian is validating is my mailing address, they have on file.

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 2016-10-28
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I called to try to settled a debt collection with the agency. The first lady name was XXXX XXXX. She was extremely rude and would not let me make a payment. She talked down to me, had an attitude, talked over me while I was asking questions, and she also hung up in my faced. I called a second time and asked to speak to someone else. The XXXX lady was even more rude and had an attitude and also hung up in my face. I ended up calling a total of 7 times and still received horrible service and still did not get to make a payment. They would not give me a new agent to handle my account and basically thought it was funny. I 'm appalled and feel very disrespected because I sincerely was trying to make a payment to get it resolved and they refused to accept the amount I was willing and able to make today and told me that I could not pay anything under {$1000.00}. It was a horrible and frustrating experience that resulting in me not being helped.

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 2022-09-18
Company: NCB Management Services Inc.
State: TN
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:
XXXX : 6 addresses, 7 closed account and 2 Collections that need to be removed from my credit report. 
XXXX : 7 closed account that Need to be remove from my credit report. 
XXXX : 8 closed account, 2 collections, 1 address that need to be removed from my credit report. These credit bureaus are reporting inaccurate information into my report WITHOUT MY CONSENT AND that is causing me to get denied for everything that I apply for. Even for an apartment, Im going XXXX cause no one want to lend me anything. These negative items in my credit report is causing me my XXXX XXXX. Im stress and Im going to loose it if XXXX, XXXX and XXXX do not Delete the negative items on my credit report. I have disputed these negative items on my credit report EVERY SINGLE MONTHS to get them out and they still not being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-18
Company: Receivables Performance Management, LLC
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts

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