BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 XXXX XXXX XXXX account # XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, US DEPT OF EDXXXX XXXX, Complete 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 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions 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:
In XXXX XXXX XXXX on the XXXX there was some fraudulent activity, someone was apparently trying to get loans and car loans in my name resulting in multiple hard inquiries. Showing up on experian/XXXX. I however do not no where any of this is coming from. Please help get them removed 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 2023-08-24
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: 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. 



XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX XXXX, XXXX XXXX XXXXXXXX, 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 an 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 non-monetary relief
Consumer complaint received 2023-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

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. 

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 has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2023-10-13
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Formal Complaint Against MOHELA for Failure to Implement Public Service Loan Forgiveness ( PSLF ) To Whom It May Concern, I am writing to formally file a complaint against MOHELA for their failure to implement the Public Service Loan Forgiveness ( PSLF ) as mandated by federal law after my completion of 120 qualifying payments. Despite fulfilling all the requisite criteria set forth by the Department of Education and the PSLF program, I have been met with administrative hurdles, lack of clarity, and ultimately a failure to forgive my loans as promised.

Chronological Overview of Events Initiated loan repayment plan on XX/XX/XXXX. 
Completed 120 qualifying payments as of XX/XX/XXXX. 
Submitted PSLF application on XX/XX/XXXX. ( Several prior attempts as well. ) Application on hold pending processing as of XX/XX/XXXX. 
Attempts to Resolve the Issue I have reached out to MOHELA 's customer service multiple times to resolve this issue. Each time, I have been given vague or contradictory information, complicating the process further. Despite supplying all necessary documentation to prove my eligibility, my application for forgiveness continues to be denied. 

Violation of Federal Law I believe that MOHELA 's actions are not just an administrative error but a violation of federal law concerning the Public Service Loan Forgiveness program. They have failed to honor the commitment made to borrowers who dedicate their careers to public service.

I kindly request that the CFPB investigate MOHELA 's business practices related to the PSLF program. I also request that actions be taken to ensure MOHELA complies with federal regulations and proceeds with loan forgiveness as stipulated in the PSLF program.

I am prepared to provide further documentation or testimony if required. I look forward to a prompt resolution to this serious issue.

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 2023-08-30
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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:
Please art attached, I reviewed my credit report & was shocked to see these unauthorized inquires on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I received an email from Capital One stating I was approved for a Capital One Platinum Secured Master Card. The email advertised that I could build my credit with the Capital One card and that good credit could assist with buying a house, car, or potentially a job. On XX/XX/XXXX I applied for the Capital One credit card, however my application was subsequently denied. The application letter stated insufficient credit history, age of newest bankcard ( s ), credit limit ( s ) are too low, and application could not be verified as the basis for my denial. I am filing a complaint as my consumer rights were violated and I was not provided an Equal Credit Opportunity. This decision has negatively affected my ability to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
This is not a dispute although XXXX XXXX XXXX will based on recent history try and void out this dispute by claiming its a disputeThe amazing staff at XXXX XXXX XXXX have, again, fallen short of their legal responsibilities in their reporting of incomplete data regarding an alleged medical bill theyve claimed Ive owed for year and still havent provided to me, you ( cfpb ), or equifax, XXXX, or transunion any validation of any service that supposedly owe XXXX XXXX XXXX. but for their slacker move for the day is : XXXX XXXX XXXX is providing incomplete data to Equifax regarding both accounts being reported directly failing to report the first delinquency day on both accounts. How long is this going to continue?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: Bread Financial Holdings, Inc.
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I mailed in a check in full payment of my credit card balance ( via certified mail ) to the address shown on the credit card statement. The payment was received at the location specified for payment 5 days prior to the due date ( payment tracked to the po box XX/XX/22 at XXXX ; due date was XX/XX/22 ). I was charged interest and a late fee. When I contacted BJ's/Comenity Capital, I was told that I am responsible to pay the bill well before the due date because of their lockbox/processing time ; therefore the late fee and interest are due. I am in the process of disputing the charges but have spoken to a Customer Service Rep, a Manager and now have to engage in a formal dispute process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-25
Company: OneMain Finance Corporation
State: MI
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:
Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-25
Company: ALLY FINANCIAL INC.
State: MI
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:
Inquires on my report I havent filed to apply for so want removed from my report inaccurate information is being reported which is reflecting a higher inquiry level in which needs to be reported.

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 2022-07-29
Company: EQUIFAX, INC.
State: PA
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:
n accordance with the Fair Credit Reporting Act XXXX XXXX : XXXXhas violated my rights. 


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

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account with my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: EQUIFAX, INC.
State: NJ
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 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 an account without my written instructions. 


XXXX XXXX XXXX Original creditor XXXX Balance {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 
Balance {$530.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
Balance {$1300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 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 an account without my written instructions. 


XXXX XXXX XXXX Original creditor XXXX Balance {$2200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
Balance {$530.00} XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 
Balance {$1300.00}

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 2022-06-08
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX  ACCOUNT # XXXX has violated my rights 15 U.S.C 1681 section 602A states " i have the right to privacy '' 15 U.S.C 1681 section 604A section 2 states " A consumer reporting agency can not furnish an account without my written consent '' 15 U.S.C 6802B ( 1 ) ( B & C ) states ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; ( C ) the consumer is given an explanation of how the consumer can exercise that non disclosure option

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 2022-09-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX X, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. 

XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 

15 U.S.C 1681 Section 602 A. states I have the right to privacy.

! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on 10/03/2023, but I never received a response. 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 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 non-monetary relief
Consumer complaint received 2023-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following items : 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 non-monetary relief
Consumer complaint received 2023-08-19
Company: Experian Information Solutions Inc.
State: NE
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 situation is impacting my sleep and overall well-being, and I find it difficult to come to terms with it. I earnestly implore you to take swift action to address this matter. Please remove them promptly and ensure that they do not reappear.

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 2022-09-25
Company: Avant Holding Company, Inc.
State: PA
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:
Made a charge on XX/XX/22. 
Filed charge dispute on XX/XX/22 with Avant credit card. 
Was told of varying time frames from Avant as to when the dispute will begin. 
XXXX XXXX Avant did send a letter requesting common information that I could not be home to readwas away from home for six weeks due to death in familyso I missed the deadline to render the information. 
XXXX XX/XX/22 Avant sends a letter denying the dispute due to my not getting back to them. 
Ive called several times, left messages.NEVER A RETURN CALL, MY CALLS WENT YO AN ANSWERING SERVICE.NEVER A CALL OR EMAIL! 
Ive filed recently a CFPB complaint that has never addressed avants lack of communication and Avant never mentioned my attempts to contact them. 
A {$95.00} purchase ballooned to {$150.00} with fees/penalties. 
XX/XX/22 Ive remitted the {$150.00} to Avant because of PHONE CALLS AND EMAILS FOR COLLECTION OF DEBT BUT AVANT NEVER RETURNED MY PREVIOUS CALLS WHEN I WANTED TO RENDER THE PREVIOUSLY REQUESTED INFORMATION/APPEAL THE DISPUTE DENIAL! 
I missed the mail and their one call due to poor telephone reception. 
Furthermore avants call service is overseas and poorly pronounced English.very difficult to understand. 
To add insult to injury all of this happened during a time of bereavement andthe website I made the purchase fromduring all of this .it closed with my information. 
With my Avant credit card number. 
And on XX/XX/22 I called Avant to put a block on my card. 
Today when I made the paymentmy card wasnt blocked. 
I dont want another softball answer, I want them fined/punished and my {$150.00} refunded. 
And I XXXX  Avantthey do have a fraudulent history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I got scammed by XXXX. i transferred about $ XXXX and then the company would not release any funds as promised. A ton of people lost money in this. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: EQUIFAX, 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:
according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX  credit card and XXXX XXXX XXXX credit card

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
according to the FCRA you are in violation of reporting late payments on my credit cards 15 U.S.C. 1666b timing of payments XXXX XXXX XXXX and XXXX XXXX XXXX credit card

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