BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I can't seem to access my credit report even though I have tried several times. ( see attachments ). As a victim of the data breach a while back, I should be able to look at my credit report without having to go through so much hassle. Why doesn't equifax save my password? Why do I have to always enter another password? Why not use the same one? Why does it say credit report " Unavailable '' I can't seem to speak with anyone there as the hold time is ridiculous to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Coinbase, Inc.
State: NY
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Pawn loan
Issue: Can't contact lender or servicer

Complaint:
In XXXX of 2022 I used XXXX dollars of XXXX as collateral for a XXXX dollar cash loan. In XXXX of 2022 I was locked out of my account. After several phone calls and emails I had to set up a new account and email address. In XXXX of 2022 Coinbase transferred my other assets to the new account, but did not transfer the loan. Coinbase has held on to the collateral, continues to sell the collateral each month and has not given me access to pay off the loan. I receive emails from my old account in the email that is associated with the original account that I do not have access to. Also, I receive emails to my new email that is not associated with the original account making me aware that Coinbase is selling my collateral.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-28
Company: EQUIFAX, INC.
State: NY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Aggressively recruiting students to take out loans with no regard for their ability to pay them back and predatory lending practices. Forced me into a high interest loan with little to no financial aid. These student loans are also from XXXX XXXX who along with Navient has been found to have fraudulent behavior regarding taking advantage of students at a young age to take out high interest loans. I borrowed between after XXXX and before XXXX where Navient was found guilty of these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-21
Company: DISCOVER BANK
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Discover Financial closed my account and has not sent me the remaining balance. It was closed about 2 months ago without warning, but I just want my money back. I believe there was around {$40.00} in the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
I requested that a signed document with my handwritten signature be sent to my mailing address to verify my account however the signed document was never sent.

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 2022-06-30
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 do not believe that this company did a reasonable investigation for the account of possible financial # XXXX I asked for documents barring my signature to prove that this account is supposedly mine. Transunion was not able to do so. In the last complaint I asked for a removal of this account and specifically asked for this account not be updated but deleted from my file and this company did not grant my request. 
I want to know if this company talked to someone at possible finance to verify this account What supporting documents did they use Did you even contact this company ( possible financial ) PLEASE PROVIDE ME WITH DOCUMENTATION THAT INCLUDED A SIGNATURE OF MINE ( failure to do so should result in deletion of this account )

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 2022-06-07
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was first called in the name of XXXX  state police department and then from customs and boarder protection from the same contact numbers that were on the XXXX and said that there are illegal transactions and drugs smuggling on my name and made me transfer to an account saying that the account is from the government and the money will be returned after a new ssn and passport number is given to me. Even though i realised that it id a scam. I still have them on calls pretending that i still believe them. 
Please contact me as soon as possible before i loose contact from the fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: ARVEST BANK GROUP, INC.
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Arvest Bank Mortgage Division merged with its parent company, Arvest Bank, on XX/XX/XXXX. Despite promising no change in the servicing of mortgages ( letter dated XX/XX/XXXX ) the company proved incapable of mailing out statements or processing payments in a timely fashion so that payments could be made by the due date. 

I called the company to find out my status on XX/XX/XXXX, and was informed that statements had been mailed out on the XXXX. I called again today, XX/XX/XXXX, the due date for payments, and was informed " don't worry, you have two more weeks to make a payment ''. I was not given any date to expect a statement. The person I spoke to refused to identify herself or her supervisor. She refused to send an email giving me this information in writing. She told me if I emailed Arvest Customer Care that " maybe '' I could get a written confirmation of this information. 

She also told me that I could make a payment over the phone, but only by providing permission for Arvest to deduct directly from my bank account, which I refused to do, since they have proven themselves demonstrably incapable of professional management. I could also make an in person payment to the bank, but that would involve taking time off work, and she could not assure me when this payment would be applied to my account. 

I do not understand why a mortgage company, to which I had made on-time payments for almost six years in a frictionless fashion, is suddenly incapable of its ONE JOB because it merged with its own parent company! Nor do I understand this lack of transparency or willingness to provide information in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: FISERV INC.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I had a NSF check, it was run through Telecheck. The check did clear on the second submission. Tellecheck decided to put a freeze on my checking account. When I called them I was informed there was an outstanding service charge that they had submitted to my bank for payment as soon as it cleared I could continue right checks at Telecheck merchants. I was never informed of this charge, until I called them. 
I tried to write a check at a merchant and it was declined. again I called them, and their response was '' because of the history on your account, checks will be authorized at our discretion ''. My checking account is being held hostage.

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 2022-06-30
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX, XXXX I sent a certified letter receipt returned, requesting a investigation into a account with Trans Union , LLC. The account XXXX XXXX XXXX acct # XXXX. Per ( FCRA ) the allotted time to complete this investigation is 30 days. As, of this date of XX/XX/2022 I have not received a response from my letter of investigation sent certified. I then called Trans Union , LLC and spoke with a credit representative with Trans Union , LLC. My letter for an investigation request, was not responded to, in asking for my investigation results Trans Union, LLC denied me the results of the investigation, including not responding back within the federally mandated 30 days per the ( FCRA ) .In calling and speaking with the representative I asked why i did not get my results, I also asked why I had not received a current copy of my Trans Union credit report . Reflecting that the errors on my report were still being reported as being inaccurate. The latest report from Trans Union , LLC dated was XX/XX/2022. 
Which would not have been the allotted time to complete a investigation into the accuracy of negative account being reported. 
I have tried several times in trying to fix this, but with no success. This account is only being reporting on my Trans Union report. Also when Trans Union, LLC respond they do not send a full copy of my credit report. So, I can see the results of investigation that I requested. 
I a consumer person has the right to dispute any information on my credit file. In doing so with this account Trans Union LLC, has violated my federally constituted rifgts under the ( FCRA ) .l.

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 2022-06-30
Company: Experian Information Solutions Inc.
State: FL
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:
To Whom It May Concern : I submitted a dispute to Experian on XX/XX/XXXX. On XX/XX/XXXX I received an email stated the account was verified. 



The Credit Bureau stated the account was properly investigated, but how is that possible if the Last Reported Date is XX/XX/XXXX. But then the Date Last Active is XX/XX/XXXX Date of Last Payment is XX/XX/XXXX. And the Payment History is reporting payments far past Dates of Last Reported and Last Active. On top of that, I've never done business with XXXX XXXX, never gave them my consent to open any accounts or report on my credit reports. These are all grounds for removal. They have also violated my rights under 15 U.S.C Section 168li ( a ), if proof is not provided, the account must be deleted.

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 : which 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 2022-06-07
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:
XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX  directly and to XXXX, Equifax, and XXXX and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
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:
XXXX XXXX  is reporting several accounts inaccurately on my credit report. The accounts are XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I have reached out to XXXX XXXX  directly and to XXXX, XXXX, and TransUnion and each of them has verified the accounts are reporting correctly. However, each bureau is reporting the accounts differently. This is a violation that they have repeated, over 6 months consecutively. 

I have attached my 3-in-1 credit report to show that the date of first delinquency and date last active are different on every report, which has a direct impact on when these accounts fall off. There are also multiple areas in other areas.

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 2022-07-28
Company: Experian Information Solutions Inc.
State: NV
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX. XXXX XXXX account number XXXX 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. My disputes to reinvestigate these accounts came back verified without proper proof of verification. I sent validation letter to these collectors and they failed to respond on my requests to send me a proof that they have the authorize to collect the allege debt. attached copy of the validation letters. XXXX tracking number 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Improper use of my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Closed case XXXX by Capital One is wrong on there investigation. 

- Capital One States : My s.s. and birth date match records. 
I sent in how my PC was corrupted and all my personal information was stolen - Capital One States : My name bought a ticket on XXXX XXXX under the credit card I was not on a flight and XXXX XXXX proved they see no purchase back to XXXX - Capital One States : States the card was sent to XXXX XXXX XXXX XXXX XXXXXXXX XXXX 
I sent in a copy of ownership of XXXX XXXX XXXX XXXX XXXX XXXX pulled from town hall I sent in my morgtage and tax statement from my address in XXXX located in FL I sent my w2 from XXXX and XXXX. I never lived or been to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: Experian Information Solutions Inc.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Experian is the only bureau not reporting accurate information on my credit report. Thru will not keep their agreement of taking the fraudulent debt XXXX XXXX off of my credit report even after they told me to get a police report and identity theft report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: Experian Information Solutions Inc.
State: MA
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:
Hello, the Two XXXXXXXX XXXX XXXXXXXX accounts that are reporting are fraudulent. Please remove them. I noticed that Experian said it was verified. But the Creditor never sent out any letters to me over 120 days or more. I have called them and never got a valid answer stating that the debt is valid. This is fraud! I feel threaten for my life! 

CONSUMER RIGHT LAWS In accordance with the Fair Credit Reporting Act XXXX the accounts listed on my attachments has violated my rights. 

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 any purpose.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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, 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 non-monetary relief
Consumer complaint received 2022-09-21
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased XXXX XXXX gift card from XXXX XXXX XXXX on XX/XX/2022 in the amount of {$100.00} paid XXXX. Opened the gift card tried to activate for use and was denied. Once the card is opened, XXXX can not take it back. Called the company XXXX XXXX XXXX XXXX ( on packaging of card ) XXXX they told me that since the last XXXX numbers on the card did not match they can not assist me. I've been calling repeatedly and was told to send a fax with a copy of the receipt, front and back of card, and government ID. I resent the fax 3 times, called 1 week after sending each fax XX/XX/2022, XX/XX/2022, XX/XX/2022, only to be told that the to send another fax. I can't imagine how many people this happens to and they don't fight for their money back. I want my {$100.00} back.

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