BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 I sent a final letter to the Credit Bureaus discussing an issue with my consumer credit report. I explained that I have sent multiple letters regarding the furnishing of my personal credit file. In the letter, I stated the following : I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I also requested verification via a signed application or contract with said companies and have not received anything to verify that I authorized the release of my personal credit file to these companies. To date, I have not received any verification documentation of any kind to resolve this matter nor has the item been deleted. My next step will be small claims court if this matter is not resolved. 

I have studied the law and noted that in order for an account to continue reporting on my file, it must be accurate and verifiable. Neither of which are the case regarding this account. 

I received a letter on XX/XX/2019 stating that they have verified the inquiries. Due to the number of inquiries, I am attaching the documentation sent to each company regarding the request for deletion. 

The additional letters were sent XX/XX/2019, XX/XX/2019 and XX/XX/2019. I have attached copies of the certified receipt and I appreciate your assistance with resolving this matter.

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 2017-08-23
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have been paying my loans ( two separate totaling {$25000.00} ) since i started school- small payments of {$25.00} a month during school and then payments after i graduated in 2014 of XXXX ( one at {$160.00} and the other at {$130.00} ) since then. In late XXXX XXXX i contacted Navient to try and lower my payments, because I want to pay, I just can not afford it, but they told me I did not qualify, even after going through and doing a financial statement that showed I was over {$300.00} in the red BEFORE I paid my loans with them. My parents both consign on a loan each and they both completed financial statements, which Navient said they did not qualify for loan payments being lower. They then told me that my only option was to go into forbearance and paying the {$100.00} FEE. I am now struggling with what to do and where to go- I have let my bank account get overdrawn paying them, but I am unable to move forward like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: WELLS FARGO & COMPANY
State: NY
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:
Wells Fargo in partnership with XXXX and XXXX have committed fraud on my account and are reporting incomplete and unverified information. Pursuant to 15usc 1602 ( l ) Wells Fargo Bank committed fraud by taking an extension of my credit card ( social security card ) and placing a lien on it for the amount of the finance charge. I did not initiate this consumer credit transaction and want the account blocked from my consumer report. Wells Fargo as not shown proof of my consumer signature on any finance charge paperwork nor have I ever received any information showing the finance charge given to me. Please help me get this fraudulent account removed as it is causing daily harm to my consumer report as well as my life for the last 4 years. I am aware that I am the original creditor as well as the consumer. I did not give these CRA written permission furnish my report which is another law they are breaking. ( 15 use 1681B-2 ) If this bank follows the truth and lending act then my rights are being broken in ( 12 CFR 1026 ) as well. I have been sending disputes to these accounts for the last 3 years and they continue to break the law and violate my rights with no repercussions. I have attached a dispute letter from last year in which the CRA 's did not respond back to, within 30 days.

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 2022-05-03
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and public record listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX  XXXXXXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, Chapter XXXX Bankruptcy 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 2021-07-22
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase I have been locked out of my account for over 3 months. They changed system to only send code to SMS text ( phone ) and it does not go through. They sent verification code to email and i put in that code. It still requires code to be sent to phone and it does not go through. Checked with XXXX XXXX XXXX and thousands of individuals have this issue - it is an issue on coinbase 's end. 

I have sent hundreds of emails to resolve the issue. Was assigned a case #, was told they are looking into it, and then no response. I am still locked out. There are no live chats, no humans to talk to. Anyone using this site is a captive - there is no way to communicate or get any resolution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home was sold and I received an email on XX/XX/2019 from Ditech stating that there was a surplus of funds in my escrow account and a check would be mailed to my billing address. I checked my online account and it showed Date:XXXX Description : Escr Surplus Ref Check # XXXX Escrow amount : ( {$2800.00} ). I called Ditech on XX/XX/2019 @ XXXX to verify information. I was advised the check was mailed to the property that had been sold. I have had previous issues with Ditech regarding addresses as I have not lived at the property for a few years, and reside in 2 states away currently. The representative advised that they could not cancel the check and reissue until 30 days had passed, and advised I have a family member pick it up from the house for me ; which none of my family live near the house even if I was willing to ask it of them. I updated my address with the representative at that time to ensure they had my current one on file. 
I called back on XX/XX/2019 @ XXXX and was asked to call back on XX/XX/2019. 
Called back on XX/XX/2019 XXXX, and original check was cancelled and new check was to be reissued. 
Called on XX/XX/2019 @ XXXX to verify check was reissued and mailed, when to expect the check, and was advised 5-7 business days. 
Called back XX/XX/2019 @ XXXX and was told I should receive check no later than XX/XX/2019. 
Called back on XX/XX/2019 because I had not yet received the check and was asked to give it a few more days. 
Tried again on XX/XX/2019 @ XXXX and was told Was told issue is being escalated to a supervisor and I should receive a call by Friday ( XX/XX/2019 ) Did not receive a call from a supervisor and called back on XX/XX/2019 @ XXXX XXXX. Was told check would be cancelled and reissued again. I inquired about alternatives such as direct deposit, or if it could be expedited or include tracking and was told none of those options were available.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/2019 I was alerted to a negative change to my Transunion credit report resulting in a 91 point drop in my credit score. The negative report was that my balance on the XXXX XXXX XXXX Credit Card increased {$820.00}, but what Transunion isn't considering is that I transferred that balance from my XXXX Credit Card. It was just a transfer, there was no increase on my credit cards. Transunion also indicated a negative report on my credit due to an increase of {$39.00} on a XXXX Credit Card. Transunion isn't showing any of the payments I made on these credit cards in the last month of over {$300.00}. My credit score should never have dropped, it was just a transfer from one card to another and if my payments were shown correctly my credit score should be back above XXXX where it belongs.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
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: Account information incorrect

Complaint:
the first progress report account that's reporting on my credit report account number XXXX XXXX has a lot of inaccuracies that should be deleted off my credit report ... reporting of someones credit report that's not accurate it's illegal ... in TransUnion it says they open XX/XX/2020 while in XXXX it says XX/XX/2020 which makes this report invalid please delete immediately..

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 2022-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
XXXX XXXX in partnership with XXXX and TransUnion have committed fraud on my account and are reporting incomplete and unverified information. Pursuant to 15usc 1602 ( l ) XXXX XXXX Bank committed fraud by taking an extension of my credit card ( social security card ) and placing a lien on it for the amount of the finance charge. I did not initiate this consumer credit transaction and want the account blocked from my consumer report. XXXX XXXX as not shown proof of my consumer signature on any finance charge paperwork nor have I ever received any information showing the finance charge given to me. Please help me get this fraudulent account removed as it is causing daily harm to my consumer report as well as my life for the last 4 years. I am aware that I am the original creditor as well as the consumer. I did not give these CRA written permission furnish my report which is another law they are breaking. ( 15 use 1681B-2 ) If this bank follows the truth and lending act then my rights are being broken in ( 12 CFR 1026 ) as well. I have been sending disputes to these accounts for the last 3 years and they continue to break the law and violate my rights with no repercussions. I have attached a dispute letter from last year in which the CRA 's did not respond back to, within 30 days.

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 2022-05-03
Company: EQUIFAX, 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. 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 instruction. 

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 ) states : 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: Closed with explanation
Consumer complaint received 2021-07-22
Company: Credit Systems International, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Sent a debt validation letter via certified letter on XX/XX/XXXX requesting proof of debt, the original bill and proof they are authorized to collect on the debt. I received a response that they were unable to locate an account for me. I sent my second debt validation letter via certified mail on XX/XX/XXXX. I have never received a response from Credit Systems. This is currently still reporting as of XX/XX/XXXX. They replied to the credit bureau that the debt is verified but have yet to respond to my reasonable request for validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Texas Guaranteed
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company is reporting a debt on my credit report, a letter was sent certified mail demanding proof of debt. However the certified letter was returned to sender, the address the company is reporting to the credit bureau is inaccurate. 
Letters were sent certified mail on XXXX/XXXX/XXXX Letters sent to credit bureau on XXXX/XXXX/XXXX informing them of the inaccuracies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Bridgecrest Acceptance Corporation
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
*****BRIDGECREST IS IN NONCOMPLIANC OF REGULATION P, THE GRAMM-LEACH-BLILEY ACT, 15 USC 6801-6809***** I AM THE CONSUMER. This is my official notice to opt out of my nonpublic personal information, which means my personally identifiable financial information, from being disclosed to any and all nonaffiliated third parties of Bridgecrest. This includes disclosing my nonpublic personal information to any and all consumer reporting agencies. Bridgecrest did not provide me with a reasonable means of subsequent notice that clearly and conspicuously explained my right to opt out of Bridgecrest disclosing my nonpublic personal information to nonaffiliated third parties. I am now forced to Bridgecrests unreasonable opt out means, by only being able to exercise my right to opt out through a letter. After viewing this opt out notice Bridgecrest or any of its affiliates should not continue to disclose my non public information to any consumer reporting agency or any other nonaffiliated third party. Examples of my nonpublic personal information and personally identifiable financial information that should no longer be disclosed to consumer reporting agencies and any nonaffiliated third parties include but are not limited to 12 CFR 1016.3 ( q ) ( 2 ) ( i ) A-G : ( A ) Information I, the consumer, provided to you on an application to obtain a financial product or service; ( B ) Account balance information, payment history, overdraft history, and credit or debit card purchase information ; ( C ) The fact that I, the individual, is or has been one of your customers or has obtained a financial product or service from you ; ( D ) Any information about me, the consumer, if it is disclosed in a manner that indicates that I, the individual, is or has been your consumer ; ( E ) Any information that I, the consumer, provided to you or that you or your agent otherwise obtain in connection with collecting on, or servicing, a loan or a credit account ; ( F ) Any information you collect through an internet cookie ( an information collecting device from a Web server ) ; and ( G ) Information from a consumer report. I expect Bridgecrest to adhere to Regulation P, The Gramm-Leach-Bliley Act, 15 USC 6801-6809 and any other federal regulation that is applicable. I expect Bridgecrest to adhere to my opt out notice of disclosing my nonpublic personal information and personally identifiable financial information immediately. Bridgecrest can no longer disclose any of my nonpublic personal information and personally identifiable financial information to any nonaffiliated third party.

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 2022-05-03
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX  Reference Number XXXX XXXX Credit Account # XXXX VXXXX XXXX  Account # XXXX XXXX XXXX Co Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX 'XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX XXXX, XXXX Account # # # # # # XXXX XXXX XXXX Account Number XXXXXXXX XXXX XXXX XXXX Account Number XXXX XXXX  Account Number XXXX XXXX XXXX Account Number XXXX 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 instruction. 

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 ) states : 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 2017-10-16
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been contacted by this company twice. They claim to be doing business for a XXXX bill they say I owe. However I have contacted XXXX and have spoken with a XXXX who is a supervisor. He assured me that I will be handling this with them. The total isnt correct. Everything is off. The social on the account doesnt even come back as mine. XXXX has told me to stop all communication with this company as I will be handling it with them. It is now on my credit report by this company and they have no right to report it. I WANT IT OFF and want ALL communication to STOP!!

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 2022-01-21
Company: EQUIFAX, 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:
I have previously disputed with XXXX, XXXX and Equifax on XXXX/XXXX/2021 regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation