BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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.

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 2023-01-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 non-monetary relief
Consumer complaint received 2021-04-28
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase wallet had over {$100.00} then was just gone. I did nothing to cause this, it was just gone. Many others are having the same problem I am having. Coinbase support only closes your access to your other Coinbase exchange accounts which locks your funds. All you get in response is automated emails telling you XXXX coinbase support can help. Problem is people are pretending to be coinbase support staff on XXXX to try and steal funds in exchange. Coinbase is keeping customers money and not letting them back in to even withdraw there funds. How do they get away with this, are there no laws to protect us from this?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: DISCOVER BANK
State: NC
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:
XX/XX/XXXX I mailed an Opt Out Notice and validation request to Discover. I requested that both accounts acct XXXX XXXX  be validated request listed below : Copy of my written consent to form a credit report on behalf of entity XXXX XXXX XXXX ; The amount they claim the Principal owes them ; A letter of explanation showing me how they have computed the amount ; Contract with both WET INK Signatures ; Copies of any document that prove I agree to pay the alleged amount ; Confirmation that the account has not reached the statute of limitation ( SOL ) period ; Evidence of your license numbers and your registered agent ; DISCOVER ignored my request and continued to report after I opted out and revoked my permission. They were informed of the privacy act of 1974 as well as all other violations below. 
Discover never produced any of the requested information above including any such contract with both my wet signature or theirs. 
The privacy act of 1974 15 USC 6802 15 USC 1681 Violation of 15 USC 1681a ( 2 ) ( a ) ( 1 ) Violation of 15 USC 1681 ( a ) ( 2 ) Violation of 15 USC 1681 ( a ) ( 4 ) Violation of 15 USC 1681 ( b ) ( c ) Violation of 15 USC 1681 ( b ) Violation of 15 USC 1692 ( f ) Violation of 15 USC 1681n Violation of 15 USC 1681s-2 ( a ) ( B ) ( i ) ( ii ) Violation of the Fair Credit Reporting Act ( F.C.R.A. ) Violation of the F.D.C.P.A Defamation of character Capital one is in violation of multiple US Codes, Privacy Act of 1974 and FCRA. All DISCOVER accounts are to be removed from my credit report Per 15 USC 6802. Discover has stated in their own privacy policy that I have the right to opt out of sharing to non-affiliate and they are not affiliated with any of the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Items were properly removed from XXXX and XXXX files. By LAW the other 3 must comply w same. 

They have refused to do so. I just recieved letters from XXXX and XXXX saying accounts were purged. The other 3 have not complied. It is not up to the company involved to remove this inaccuracy and failure to validate the debt. 

The debt is not owed for numberous breaches of contract on company fault, not the consumer. As such.. 

The other 3 must also delete the info. XXXX XXXX was asked about this and this inconsistency. They provided no answer. The FCRA, however, itself provides this answer. THE BUREAUS MUST COMPLY and SHARE the DELETIONS. If one deletes it, so must the others.

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 2023-01-02
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:
I submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2018-11-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Due to a house remodel gone awry, I need to transfer money from my HELOC to a balance transfer credit card to free up funds on the HELOC and have some time to pay it down at a lower interest rate.

I contacted Chase for this since I already have two cards with them. I was approved for a large amount. Additionally, I moved available credit from my other two existing Chase credit cards to this new (
Slate ) credit card. They had said I wouldn't be able to directly pay the HELOC, but should be able to pay a checking account I could use to pay the HELOC, or another method. I was approved, I got the card. And then I found out there was, in fact, no way I could use it for any sort of balance transfer, as the only thing it's good for is credit card-to-credit card. I don't carry a balance on any of my credit cards and pay them in full each month, as they could obviously see when they pulled a hard inquiry on my credit. 

So now I have a shorter average for my credit history ( subtracts points from one 's credit score, as it has done to mine already ) and a credit card with a huge limit that I can not use. 

By the way, this is not the first time Chase has pulled something like this to me to reach their sales numbers, and I'm happy to report that one too ( whose implications are far greater, and life-threatening to my family as they said we had to move into our unsafe house in order to fund the HELOC, but assuring us we'd been approved for it. Then they denied it based on the house 's unsafe condition -- by the time we were living there. )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Mr. Cooper Group Inc.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Nationstar, dba " Mr. Cooper '', extracted {$1800.00} from my checking account without my approval. An email was sent to myself and MANY other customers notifying us of the issue, however, this doesn't excuse the issue itself. " Mr. Cooper '' deposited the same amount, {$1800.00}, back into my account. 

I had spoken to representatives at the company who, while " very sorry '', was not able to provide a 100 % guarantee that this issue wouldn't happen. They proceeded to state the issue was not with " Mr. Cooper '' but with the 3rd party payment processing company they use.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have disputed the fraudulent account of {$420.00} with XXXX on XX/XX/2019, XX/XX/2019, XX/XX/2019 and provided the FTC report as well. They have not report the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Checkr, Inc
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
FALSE STMT TO OR OBSTRUCT PUBLIC OFFICER : It happened between the year of XXXX, the statements should be clear by now. It was filed on, XXXX, XXXX, XXXX, offense date is, XX/XX/XXXX, and the disposition date, XXXX, XXXX, XXXX. 

All actions has been resolved and cleared on other background checks, please request a new background check.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Experian Information Solutions Inc.
State: ID
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:
Experian refuses to let me dispute previously disputed negative accounts on my 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 explanation
Consumer complaint received 2023-01-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX 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

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 2019-10-26
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have a loan with Santander Bank for my car. In XXXX, I had to close an account at the bank because of another merchant taking advantage of my debit card and checking account number for a monthly membership which I terminated in XXXX. My auto payment for XXXX was about two weeks late, and when I made my payment, I doubled the payment to cover both XXXX and XXXX. The Payments were processed first {$57.00} in XXXX, then {$700.00} which the automated system said was owed for XXXX. The total amount paid was {$750.00} by XX/XX/XXXX. The company refused to apply my payment to the XX/XX/XXXX auto loan due date. They actually argued with me and expected me to make a third payment in XXXX. They were very unapologetic and said that the decision was up to someone in accounting rather or not my XX/XX/XXXX payment would be applied to my XX/XX/XXXX installment, not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 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 2023-02-01
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:
Transunion is reporting inaccurate unverified information on my credit report i have disputed the inaccurate information with no luck to today i am submitting a dispute with the source of their verification which doesn't reflect any bankruptcy being reported on my file

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 2023-02-01
Company: Experian Information Solutions Inc.
State: FL
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 have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2023-01-02
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Chase Bank when I noticed unauthorized charges to my debit card from XXXX. Chase said that they would do an investigation and in the meantime would credit my account. They also said that they could not credit my account for anything beyond 60 days, so it would only be the time period from XXXX to XXXX. Chase Bank only credited my account {$130.00} which was not the amount that I called about in XXXX. The amount that I called about in XXXX totaled {$610.00}. I called back again on XX/XX/XXXX and Chase Bank said that they were still doing an investigation and that I should see my money return to account on XX/XX/XXXX. No money was returned on XX/XX/XXXX so I called Chase Bank back on XX/XX/XXXX. Chase Bank then stated that they were not going to refund any money because they refunded money from XXXX. I kept telling them that I had unauthorized charges in XXXX and reported this information to them right away. Chase Bank also emailed me letters saying that I agreed with their actions, which is false. Chase kept arguing and deflecting and then started repeatedly telling me to call the merchant, even though I had purchased nothing from XXXX. I finally gave up and called XXXX and was on the phone with them for about 3 hours. XXXX said that it appeared that someone used my XXXX ID to make purchases. I have not purchased any XXXX products in about 3 years, which XXXX did confirm. XXXX kept repeatedly asking me to provide the full debit card from number from Chase Bank, which I no longer had. I told them that I had a new card from Chase and that I no longer had the old card. XXXX continued to keep asking me for the old card number even though I kept telling them over and over again. Then XXXX said that they could not refund any money unless I gave them my expired full debit card number. Then XXXX kept telling me to contact my financial institution over and over.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Items were properly removed from XXXX and XXXX files. By LAW the other 3 must comply w same. 

They have refused to do so. I just recieved letters from XXXX and XXXX saying accounts were purged. The other 3 have not complied. It is not up to the company involved to remove this inaccuracy and failure to validate the debt. 

The debt is not owed for numberous breaches of contract on company fault, not the consumer. As such.. 

The other 3 must also delete the info. XXXX XXXX was asked about this and this inconsistency. They provided no answer. The FCRA, however, itself provides this answer. THE BUREAUS MUST COMPLY and SHARE the DELETIONS. If one deletes it, so must the others.

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 2021-02-04
Company: EQUIFAX, INC.
State: NC
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:
in response to Equifax, please see attached documents, in reference to me being a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: HYUNDAI CAPITAL AMERICA
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I own a XXXX  XXXX XXXX XXXX Vin : XXXX. Unauthorized by myself, a XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX took my leased SUV and landed it. When I called this Dealership they evaded my calls. I never signed to drop this vehicle off and never agreed to fulfill this transaction. XXXX  XXXX believes I owe an early lease term. I moved to XXXX XXXX XXXX and before I could return to XXXX XXXX XXXX to pick up my vehicle, XXXX  XXXX stated they have my vehicle. In order for this fraud to occur at this dealership it takes someone from the inside to facilitate this type of scheme of fraud events. XXXX XXXX XXXX the son of XXXX XXXX, which he works for XXXX XXXX at XXXX XXXX XXXX Auto Mall, XXXX XXXX, XXXX XXXX, which I feel he facilitated this fraud of events or at least is behind the scheme. When I contacted the dealership they immediately evaded my phone calls. I demanded a contract from this dealership in which they emailed this with no statement of facts attached. I am now without an SUV. I had medical issues with my XXXX and have not been able to see to contact anyone till now. I need this account cleared and a vehicle replacement as I can not get to doctor appointments.

Company response to consumer: Closed with explanation