BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Spoke with XXXX XXXX with Dept of Ed about Borrowers Defense. I applied XXXX for Borrowers Defense with the Dept of Education. 
Dept of Ed notified lender XXXX that I was approved for Borrowers Defense on XX/XX/XXXX for all Loans related to XXXX XXXX XXXX XXXX XXXX XXXX ( part of XXXX ) total amount {$190000.00}. XXXX is part of XXXXXXXX XXXX and has been identified as fraudulent in their advertising and charges. 
I have made several attempts to have XXXX remove inaccurate balances, and payment history from my credit report. These loans are also currently collecting interest on inaccurate amounts. 

This is in direct violation of 15 usc 1681 ( 2 ) ( a ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, 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 explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: MO
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:
This is NOT a duplicate submission and this is not filed by a 3rd party or Credit Repair Agency. I was looking over my credit report and noticed a few Credit Laws were violated. In accordance with the Fair Credit Reporting Act Convergent these accounts below has violated my rights according to 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. 1. Account Name : XXXX XXXX Account # XXXX XXXX. Account XXXX : XXXX  XXXX Account # XXXX XXXX. Account Name : XXXX  XXXX Account # XXXX I would like for the consumer reporting agency to provide these four items below and if they can not provide these items please delete all of these accounts from my credit report. 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With The Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) Please provide me with these four items or delete the three accounts from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Capital one credit card company suddenly restricted my credit card in XXXX with no credible reason. 
I tried to reactivate it, I sent them All the documents they asked me for how ever they went on to refuse activation. 
Also they refused to allow me to redeem my earned rewards that accumulated over the last 14 years, I believe it was just a ploy to usurp my hard earned rewards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
The XXXX Credit Bureau is reporting inaccurate information on NISSN INF LT ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called Transunion on XX/XX/2018 at XXXX  CST and spoke with XXXX their representative. I explained to XXXX that I knew about the companies breach and that their were inquiries on my report that had been removed and are now back. I also stated that under the FCRA sections 6 and 11 anything deleted can not be reinserted without my consent and or knowledge, he in turn said he would not remove them. There are several inquiries

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 2018-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a 401k with XXXX XXXXBank of America. XXXX is forcing me to close my account on XX/XX/18 against my wishes. Because of this, I am going to have to deposit the money in my IRA with XXXX Funds. I sent Merrill Lynch a written request to complete this transfer, but XXXX XXXX XXXX with XXXX refused saying they don't take written instructions. It's 2018 ... .business is done in writing.

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 2023-03-15
Company: EQUIFAX, INC.
State: CO
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 #, Account name : XXXX XXXX XXXX, Account name : XXXX XXXX XXXX, Account name : XXXX & XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 explanation
Consumer complaint received 2021-06-24
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: Was not notified of investigation status or results

Complaint:
I sent letters to the bureaus about some inaccurate items showing on my credit report. It has been over 60 days and I have not received a response. I have done what I am told am capable of doing as a consumer, but it seems like my concerns are overlooked and go unanswered. I demand that my concerns be addressed and that these items reflect instructions included in the attached letters. Please delete the items that have been requested to be deleted, and update the items that have been requested to be updated immediately. 

I have attached my drivers license and a utility bill for verification of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX {$960.00}. I have called and called and today I was hung up on without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Experian Information Solutions Inc.
State: IL
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: 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 NOT 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 explanation
Consumer complaint received 2023-05-20
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:
In accordance with the Fair Credit Report Act XXXX, Account : XXXX, XXXXXXXX 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. 

This account is a fraudulent account, I do not owe this company and I have never signed any contract with them.

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 2021-08-31
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Hello my name is XXXX XXXX. I have made a complaint numerous times to Coinbase the company to remove the restriction on my account and let me have access to my money but they have ignored me for almost 2 years with no solution and I have about XXXX in my account that I want to take back and but they are being very scammy. It is almost impossible trying to reach a live agent to help you solve your problem its so bad I have night sweats and headaches trying to get my money out and I have been stressed for 2 years trying to find a solution please help me!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
My name is XXXX, Experian membership ID XXXX. On XX/XX/XXXX my credit report updated reflecting that Ive paid down my credit cards. My credit utilization went from 50 % to 30 % after paying down my credit cards, shockingly this resulted in my score to drop of XXXX points!! There were no other activities on my report for the last 3 months. When I contacted Experian for an explanation they blame FICO and advise for me to call FICO for explanation. The credit model and algorithm is discriminatory and INACCURATE! Sadly, until the government comes with a different scoring model, well be at the mercy of these CRAs inaccurate reporting and scoring models. I need a full investigation and explanation as to why my score dropped after paying down credit cards from 50 % to 30 %.

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 2022-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$1100.00}, XXXX XXXX XXXX Balance : {$530.00}, XXXX XXXX XXXX Balance : {$21000.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/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 2019-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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, Please note that I have made multiple attempts to work with TransUnion in removing the erroneous reporting of a Dismissed Bankruptcy from my credit report. Based on the reported information from TransUnion, they stated a 3rd party company named XXXX provided the information. Maryland federal courts do not provide information related to public records to 3rd party  companies like XXXX XXXX or any other for that matter that TransUnion stated provided the information. 

The following are the dates that I attempted to dispute the reported information. 

XX/XX/2019, XX/XX/2019, XX/XX/2019 and XX/XX/2019.

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 2018-07-16
Company: JPMORGAN CHASE & CO.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Chase. The website generated a form with the routing and account number. I entered these numbers into my employer 's online form to set up direct deposit. I never got my paycheck. I called Chase twice and was told the routing number was wrong. The routing number I was given when I opened the account was XXXX. This is a Chase routing number, but the people on the phone said I should have used a different routing number than the one generated on the form. They also said my employer put my name as an asterisk on the direct deposit form. When I called today, they said they would not give me my paycheck because the routing number was wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing this complaint to express my serious concern over multiple unauthorized inquiries on my credit report that have negatively impacted my credit score and my ability to acquire credit. 

The details of the unauthorized inquiries are as follows : XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX - Inquiry Dates : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX These inquiries were made without my knowledge or consent, which directly violates my rights under the Fair Credit Reporting Act. 

Such unauthorized inquiries not only have an adverse impact on my credit score, but they also raise concerns about potential identity theft or fraudulent activity tied to my personal credit information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-31
Company: Atlanticus Services Corporation
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XXXX XXXX XXXX XXXX XXXX XXXX  came to my home to fix a clogged basement drain. They stated that the problem was a collasped sewer line and that the bill would be {$8000.00}. toXXXX. the price soared to XXXX most because of unnessary work. I was never given a opportunity to get another estimate for as XXXX was telling me the problem the electric company arrived to paint digs lines. I was advised that XXXX XXXX would be apply for credit for me. On XX/XX/ I was confronted by the tech on the job that I needed to handle the bill. I advsed him that XXXX was suppose to handle it. He kept his vehicle in place not moving it so I could go to work. On XX/XX/ I received a call at XXXX XXXX  that the tech was outside and would stay until I dealt with the final payment. He came and called XXXX of XXXX XXXX  and opened a account for 28.99 %. ON XX/XX/ I received mail that XXXX XXXX XXXX also opened a card on Fortiva retail Credit. I have no idea about that account or what is charged on it. As of this time I have neither seen a bill or anytype of accounting of this Job. I have no idea how many accounts have been open. I believe that XXXX XXXX XXXX engaged with both Fortiva and XXXX in a scheme to of preditory lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: HYUNDAI CAPITAL AMERICA
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
I have been a very long term loyal customer of Hyundai and KIA. I have leased or purchased 7-8 Of their vehicles over the last several years. I have been very happy until now. 
Last month I was a victim of a hit and run accident on the freeway which totaled my leased XXXX XXXX. I was on payment 30 of 36. My payoff on my account shows XXXX for insurance claim. My insurance company paid XXXX which is the XXXX they determined of XXXX deductible. Which means I should get a refund of XXXX. XXXX XXXX. Thats how this works in my world. Instead, I get a call that I owe them another {$500.00}??!! What?? They say its for my deductible. They tell me when a leased vehicle is totaled they dont go by the payoff. They apparently can just come up with whatever number they want. Whatever the Insurance company sends them they can say, YAY! I will keep that!! Well thats absolutely ridiculous. I maybe could understand if I had just bought this car but I made all but 6 of the payments which is reflected in the payoff. If I had bought this vehicle and not totaled it this is the amount I could have purchased it for. Whats the difference? I was expecting I would receive a refund to offset some of the down payment I had to place on my new vehicle. We live in different times right now as far as vehicles go. To just be able to come up with whatever payoff you want if a car is totaled is absolutely ridiculous and should be illegal. If its in soma fine print somewhere nobody Pointed it out or nobody would lease m. Its ridiculous. Why would I want a higher claim against my insurance than what I know I owe on a vehicle. Makes zero sense and this company is taking advantage of insurance companies. 
I sure hope you can help rectify this situation. I sincerely appreciate your time. I can attach my account showing my payoff that was through XX/XX/15. As well as my insurance company documents. The first rep from your company told me that I shouldnt be able to see what the insurance company buyout quote was so she was going to make a ticket with IT. Thats very shady if you ask me. Cars are far more expensive now than they were 2.5 years ago when I bought this vehicle. I cant buy the same vehicle for the same amount of money. My payment on my new vehicle is almost double. 
Thank you for your time!

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