BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-10-18
Company: HYUNDAI CAPITAL AMERICA
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I initially financed my XXXX  XXXX XXXX through Hyundai Motor Finance. In XX/XX/2021, I decided to refinance with my current credit union. My credit union paid off Hyundai 's loan on XXXX XX/XX/2021. It is now XXXX XX/XX/2021 and the Hyundai is still reflected as lienholder. I called Hyundai several times in XXXX, several times in XXXX, XXXX XXXX, and again on XXXX XXXX. When I called in XXXX, I was told that they'd send a message to the title department to release the title. I explained that this is Florida, and they have to electronically release the lien. I was told it would take 3-5 days each time I called. My credit union even three way called Hyundai in XXXX to explain the process. They advised Hyundai that it should only take 24-48 hours to do this, and again, we were promised it would be done. On the calls in XXXX and XXXX, I asked to speak with a manager, who told me the same exact things. I was promised it would get done. On XXXX XXXX, I spoke with a rude " manager '' who tried to tell me how it work, saying they just have to send a release in the mail. And when I visited the DMV today, they told me that is NOT how it works. They HAVE to call the state of Florida to release themselves as lienholder and there is nothing anybody can do until that is done. I called Hyundai again today, XXXX XXXX, after my DMV visit and the manager was never available to speak with me. The representative kept saying she would send another release in the mail to my credit union but this isn't what needs to be done. I only need someone to release the title electronically since it is the state of Florida. Meanwhile, I continue to receive notifications from my current credit union because they haven't received a title yet. It is frustrating and shouldn't take this long for something that literally should only take 24 hours.

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 2023-08-16
Company: EQUIFAX, 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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-25
Company: Experian Information Solutions Inc.
State: NV
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 XXXX XXXX bought a condo XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX nevada XXXX in XX/XX/... on my experian report is a house XXXX XXXX XXXX XXXX XXXX nv XXXX... i did not purchas this in XXXXits on my credit report causing problems..i have sent written letter in XXXX  to experian to take it off this i did not buy..im wondering why did this guy use my ss # and have it put on my credit report..here is the info on house on XXXX XXXX ... single family XXXX XXXXXXXX XXXX address id # XXXX ... its been 3 years now how long does experian take to get this off my report..i have done everything short of going to this mans house and march him ti a lawyer so he can tell someone why he put on my credit report..i am refinancing my condo on XXXX XXXX XXXX XXXX XXXX XXXX nv XXXX and its still there..

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 2022-10-19
Company: EQUIFAX, INC.
State: OH
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
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: Investigation took more than 30 days

Complaint:
I have mailed, faxed, uploaded, and called all three Bureaus. XXXX said I wasnt me and they refused to investigate! 

This letter shall serve as formal notice of my intent to file a complaint with the CFPB, due to your blatant and objectionable disregard of the law.As indicated by the attached copies of letters and mailing receipts, you have received and accepted through registered mail my dispute as well as my follow-up letter. To date you have not done your duty as mandated by law. Your Non-Compliance with federal law is unacceptable, your disregard for it contemptible. Rest assured I shall hold you accountable. 
Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you on this matter ; for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.CaI. Nov. 14, 1995 ), you may be liable for your willful noncompliance. 
For the record, the following information is being erroneously included on my credit report, as I have advised you on two separate occasions, more than 75 days and again 40 days ago :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: NAVY FEDERAL CREDIT UNION
State: GA
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:
Hi, I have had a small amount of services that I had been using and paying my bills on time. The I have not had any problems with until recently when I was told all my accounts were in collections without any prior notice that I was owing a debt. Will you help me to remove these off of all my public records immediately. 

Best Regards, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was talked into sending XXXX twice XXXX total via XXXX by a scammer in purchasing christmas football tickets for my son. we texted he walked me through everything and once I sent 2nd XXXX he hung up and blocked my # I understand I did it, I understand XXXX has no remedy like XXXX XXXX etc. However I do not understand how knowing exactly where the money went that the bank of the receiver or sender does not remburse and take away from the reciever. 
XXXX TO XXXX ON XX/XX/22 REF # XXXX CONFIRM. {$200.00} XXXX TO XXXX ON XX/XX/22 REF # XXXX {$200.00} Again I understand that I was duped, but how is this not traceable and refundable. I sent one he exlained I needed to send another with a mem on it and the 1st would be removed. My bank is Wells Fargo I love them, I am not happy I was scammed and not happy that with reference # 's this can not be traced and returned. XXXX said name was 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 2022-03-25
Company: NAVY FEDERAL CREDIT UNION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Navy Federal Credit Union closed my account after accessing my credit report without my permission I would like for it to be put in the house

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX  XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX XXXX, Account name : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-18
Company: BARCLAYS BANK DELAWARE
State: FL
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:
On XX/XX/21 I spoke with a customer service ( XXXX, may be incorrect spelling ) to stop a payment on a check I wrote to XXXX XXXX on XX/XX/21, as I was unaware of the transaction fee. The representative said I was not going to be charged as the check has not cleared. On XX/XX/21 I noticed I was charged {$6200.00} along with a transaction fee of {$120.00}. I had a credit balance before this charge of {$280.00} so my current balance now shows {$6000.00}. On XX/XX/21 I spoke with a representative named XXXX and he filed a report about this and gave me a case number of XXXX. He told me this should be resolved within 7 to 10 business days which would have been XX/XX/21. No resolution to date told pending status with each call. I filed a complaint with the company on XX/XX/21 case number XXXX with no resolution to date. The company send me a bill due for XX/XX/XXXX with a minimum payment of {$60.00}. I called again today XX/XX/21 and was told now it can take 1 to 2 billing cycles to clear up. I am upset that I have to make any payment on this to avoid late fees and interest when this company failed to put a stop payment on the check. If anything they owe me money for my initial credit balance. Please help me resolve 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 monetary relief
Consumer complaint received 2021-10-17
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
I disputed these inaccurate items way over 35 days ago and you havent notated them as disputed. You caused me to lose out on many offers due to reporting this inaccurate item and not notating it was disputed. I have attached proof that I have given you chances to correct your inaccuracies report number 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 2022-07-12
Company: Experian Information Solutions Inc.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel violated, disappointed, and discriminated against by all three credit bureaus, which consist of three companies who are Experian, XXXX, and XXXX. 

EXPERIAN has violated my rights as a US Citizen in the united states based on my name being of XXXX origin. I have tried numerous times to write letters, call, and email, and I even hired a highly effective credit company called XXXX XXXX 


However, the XXXX XXXX manager by the name of XXXX, has verbally told me he could not understand why Experian, out of the three bureaus, continues to report negative and derogatory items on my credit report, false report rates, incorrect BK discharge date, and will not help in any way. I was paying XXXX XXXX For four years, and my score was XXXX when I started to pay them {$89.00} a month! 

It has been four years, and Experian has my score at XXXX through the MY XXXX app in the home mortgage section, which I pay {$30.00} a month, and I am trying to raise my score to buy a house with my wife and me this summer. 

I have had challenges with all three bureaus since I was XXXX. I feel they have looked down on me from the day I tried to get new credit back in 1995, and it has been very challenging to make any progress. 

However, I pull credit daily for the past twenty-five years and see the results others have. And I have realized that my score is not based on my paying on time, how many open accounts I have, or how long but only based on my nationality. 

Now that I hired a credit company called XXXX XXXX, they are sending me letters on how they can help me and not pay other companies to help me as they are here for me. That is absurd and an absolute lie. They do not hear from anyone, and they could care less. 

I know this complaint will not make a difference right now, how ever, I am hoping it helps the future generations such as my kids who I am hoping will not have to dea with these bureaus as I hope they eventually get held accountable for the way they destroy the lives of others by not giving them the same opportunity to those who need help at the time of applying for credit. 

The way the credit bureaus are set up, if you do not need credit, they will hassle you asking over and over to get a new credit card, new loan, new car and more. 

But the moment you need it as you are in a situation whether it be short or long term, they make you feel as if you have poor credit!! 

This needs to stop! Please help me with this matter as the entire credit system is not accurate. I have been paying for almost 10 year with no lates, multiple credit cards that are always paid on time, yet they say my credit is poor!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: Rent Recovery Solutions
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I spoke with them told them I never had a account with that company and never had apartment with them. I have ask them to remove it because it is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my Coinbase account was hacked. Upon noticing strange activity on my account ( I believe it was a phishing attach ), I immediately called Coinbase to lock my account. When I regained my account access days later, all but XXXX ( approximately XXXX ETH at the time ) was transferred to an unknown wallet. The attackers also purchased {$6400.00} worth of Bitcoin via ACH with my back account. As you can see from the attached image, only {$1000.00} would be available to trade immediately, while the rest could be moved off of Coinbase on XX/XX/XXXX. However, the attacker was able to make off with ALL of the funds. I then received notifications from Coinbase that I owed them for the XXXX the attached purchased fraudulently ( I had put a stop payment with my banking institution that day to prevent further theft ). After a few days, Coinbase seized what I had in staked ethereum to cover what I owed. I emailed supported asking why the hackers could move all of those funds on day one and received no response after multiple attempts. I believe I am owed {$5400.00} ( XXXX could be moved that day ) by Coinbase due to a serious flaw in their crypto transfer activities. Please help! I lost over {$12000.00} on the day of the hack and over {$6000.00} from money Coinbase seized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On a letter dated XX/XX/2021, Ally bank stated it will close all of my checking and savings accounts without a reason listed. I have been a long time customer and aside from my recent change of address, there has been no changes to the usage of my 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
Consumer complaint received 2022-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
THESE BUREAUS ARE FALSELY REPORTING ALLEGED DEBT WHICH IS A FDCPA SECTION 807 VIOLATION " 15 USC 1692e. '' THE ALLEGED DEBT CAN BE VERIFIED AND I HAVE YET TO RECEIVE A RESPONSE AFTER 30 DAYS WHICH IS ANTOHER VIOLATION UNDER THE FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-10
Company: HUNTINGTON NATIONAL BANK, THE
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
XXXX Bank was sold to XXXX. I own a small business, and had a business account I kept a small amount in for emergencies - never more than XXXX When they switched over they " automatically switched my account to something comparable. '' This new account had a minimum of $ 10K or you were charged a service fee. I was charged XXXX  dollars which was automatically deducted from my account. I do not recall any correspondence regarding this switch or it's consequences. It took me a while to notice the deductions- so I began to try to see a banker to find out why this was happening, and that was very, very difficult. I called, stopped by, left messages, and made at least 5 attempts to get help in person, but some branches did not have bankers, others had no one available, sometimes it was a 45 minute wait which I was unable to do. I finally called their 800 number and someone changed over my account and refunded XXXX, but refused to refund the entire amount.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 attempted to contact Tranunion, XXXX AND XXXX XXXX XXXX XXXX regarding this debt. The debt is reporting INCORRECTLY and have been sometime. Whatever incorrect update that was made on XX/XX/XXXX dropped my score by XXXX points!!!!! nobody can seem to get this account corrected between the two companies so I need help.

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