BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XX/XX/18 at XXXX I attempted to check my dispute with TransUnion, and the system wanted me to log in. When i entered my information the system had me fill out additional information, then i was " signed up '' for a credit monitoring service and charged {$19.00}. I noticed immediately when i recieved a bank notification, so i called TransUnion and explained that i didn't want their credit monitoring service and i was only trying to check the status of my dispute. They kept me on hold for quite some time then told me the error had been corrected. 5 hours later I noticed the charge was still pending and no action had been taken, so i called back, this time after i explained what happened again the employee said she was having trouble accessing the system due to a company wide " update '' i was put on hold multiple times for about 30 min. finally i was told to call back in a few hours to see if they could access the system. I asked to speak with a manager, this happened promptly and the " manager '' was able to immediately tell that the " service '' had been canceled but the charge was not removed because they assumed i wanted the service for the current month, despite the fact that I told all 3 of the people i spoke with that I was guided through the signing up process on their website whild checking a dispute against my credit not buying credit monitoring. I asked the manager about the system wide update and how she was able to access my information so quickly during it, she said that employee was having computer trouble. She said that she would refund the money for me because i had called back on the same day, but it might take up to ten business days to process. I was very upset at this point and just told her thanks and got off the call. I called XXXX afterwards, they put the money back in my account right away and disputed the charge. 
I feel like i was scammed into signing up for it in the first place then lied to about the charge removal. Then lied to again about the computer problems in some kind of attempt to keep my money while I waited for them to " fix '' their system. 
I'm not even sure if you are the orginization I should be writing this to, but I wanted to tell someone at least.

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 2023-03-22
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company - without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2016-01-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
CHASE HOME FINANCE LLC XXXX - I HAVE NEVER PAID THIS ACCOUNT LATE, AND IT WAS NEVER A CHARGE OFF!! DELETE NEGATIVE REMARKS ON THIS ACCOUNT OR DELETE THIS ACCOUNT FROM MY RECORDS AS WHOLE!!! 
I have requested Chase to validate this account and send me a payment history several times. However, I only received an auto generated response to all of my letters. When trying to request validation via phone, I was advised to write to them and received same results!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: Experian Information Solutions Inc.
State: GA
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:
Okay! What Im not understanding is why Ive had to contact and write Experian several times regarding this account. 

XXXX Account # XXXX Opened XX/XX/XXXX Closed / Charged off For the past year since XX/XX/XXXX Ive been calling and disputing this inaccurate account to no avail. I recently disputed in XX/XX/XXXX. Experian has since sent a letter that theyve been sending for the past year. 2. They sent an email and letter stating that the account in question was verified and validated by the creditor, yet theyve neglected to furnish me with the proper documentation. 3. Ive contacted them 3 times over the past 3 weeks, to advise them to delete this invalid account from my report. Still no avail, Im Am now preparing to start litigation process against Experian This account has been removed from XXXX as well. 4. Lastly, I have a fraud alert placed in my credit profile, that indicates that anyone who runs my credit profile needs to call me and that was never done .Ive reached out to Experian several times to advise them on unauthorized account access.

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: Experian Information Solutions Inc.
State: TX
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-02-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Equifax, XXXX and XXXX are violating my rights as a consumer. I had informed them multiple times that I was a victim of fraud and they are reporting information on my credit report that I never authorized or gave them permission to. I've attempted multiple times to get this resolved and they refused to assist me. This has ruined my reputation and has caused XXXX within my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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:
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 listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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:
Consumer Reporting Agencies have assumed a vital role in society today and are responsible for reporting consumer information to the best of their ability with the maximum degree of accuracy. 
With that said, on XX/XX/2023, I received notification of inaccuracies contained within my Transunion credit report. Specifically, the account ending XXXX from the State of Maine - Department of Health and Human Services - Support Enforcement Division shows late payments were made with inaccuracies in the dates the payments were made when no late payments were ever made to the account. Please investigate these inaccuracies and provide proof of your findings. If evidence can not be provided, I demand that the reporting agency, Transunion, be made to report the account as paid in full as agreed or remove it from my report. 
Thanks for your time and attention to this matter. It is greatly appreciated.

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 2022-12-31
Company: Experian Information Solutions Inc.
State: KS
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance : {$29000.00} ; XXXX  XXXX Balance : {$15000.00} ; XXXX  XXXX Balance : {$2800.00} ; XXXX  XXXX Balance : {$12000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$17000.00} ; XXXX  XXXX Balance : {$11000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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 is reporting inaccurate information on my credit profile I did not make the charge I've asked XXXX to do an investigation into the fraudulent account but they continue to report fraudulent and inaccurate information on my credit profile

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 2021-09-25
Company: GOLDMAN SACHS BANK USA
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
I was trying to order a XXXX for apple And had to set up a Apple Card Application, I was denied for my identification, I figured out why and tried to change and it it was declined again for trying to correct my error and it says I have tried to many times now, and I just want to clear it up so I can get my application approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had set my accounts with XXXX XXXX XXXX to be on auto pay with my checking account at XXXX  XXXX XXXX. Due to fraudulent activity on my checking account the bank would not pay the credit card bill and charge me an nsf fee. At the same time allowing other transactions to go through with an overdraft fee. The bank picked and choose what accounts to pay on, and did not pay my credit cards. XXXX XXXX XXXX repeatedly marked me as having late payments but it was due to bank error and not my fault. I also have had made many payments by debit card to them and they closed the account according to my credit report when the person on the phone told me the accounts were still opened. 

# XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-14
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 2022-12-31
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX  XXXX Balance : {$2600.00} XXXX  XXXX Balance : {$6800.00} XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$290.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My wife and I purchased a XXXX  Kia XXXX and XXXX  Kia XXXX  the same day in XX/XX/2022 from XXXX XXXX XXXX. The XXXX  was a lease and the K5 a purchase, which was financed through Kia/Hyundai finance entity . 

Apparently, the title for this XXXX  was issued with Hyundai Motor Finance as the legal owner initially, and around XX/XX/2022, the title was transferred from Hyundai Motor Finance to Kia Motor Finance. Apparently, paperwork for that transaction was incomplete and it was rejected by the CA DMV.

We now have a registration hold upon the vehicle and can not legally drive the vehicle. Efforts to secure the documentation requested by the DMV within this letter have continued to be ignored by Hyundai.

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 2018-11-02
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We registered our coinbase account ( XXXX XXXX with emailid : XXXX ) in XX/XX/2018 and starting crypto trading on coinbase platform. On XX/XX/2018 we received an email from coinbase saying that our account has been rejected and we would need to close our coinbase account. At that time we had XXXX USD in our coinbase account/wallet and I requested coinbase to release my funds and then I will close my account. 

Since then I have raised multiple requests for getting this issue resolved. They have restricted all the trading on my coinbase account. Every time I reach out to there costumer support, they ask me to add my bank account on my coinbase account, but I am not even allowed to add my bank account on the portal to get my money withdrawn. Every week I am back and forth with a costumer representative from coinbase and been assured that this will be looked by a specialist, but nothing has been done yet. 

It has been more than 5 months now and I still have not received my ( XXXX USD ) money from coinbase. 

Hope this will help me getting my moeny back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-12
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A. Young from American Express Customer Advocate Services Team responded to complaints { XXXX, XXXX and XXXX } on or around XXXX XX/XX/XXXX. However, the obvious inconsistencies in the table from XXXX XX/XX/XXXX were not addressed in the response. Therefore I filed CFPB complaint XXXX. American Express closed out the complaint alleging it was a duplicate of XXXX. AMEX knows or has reasonable cause to believe the information it is furnishing to the CRAs is inaccurate. The table from the XXXX XX/XX/XXXX reponse clearly shows an alleged missed payment that was 30 days past-due in XX/XX/XXXX, that magically becomes 120 days past-due in XX/XX/XXXX. It should be noted this is the exact number of days past-due ( XXXX billing cycles ) AMEX requires under its policy to charge-off accounts. As such, it appears AMEX changed an alleged missed payment from what at most would have been sixty ( 60 ) days past-due to 120 days past-due with specific intent to charge-off the account in XX/XX/XXXX and defame me in the process. AMEX claims there is no way to correct any of the information as shown by the CRAs because they do not control the information " displayed '' by the CRAs and because the account has already been charged-off. This is disingenuous at best because AMEX is the data furnisher that provides the information for the account/tradeline to the CRAs and has methods available to correct information AMEX knows or has reasonable cause to believe is incorrect : submission of the Universal Data Form to the CRAs with information to delete/remove from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
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: Information belongs to someone else

Complaint:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. 

XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX Inquiry Date XX/XX/2022 2022

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