BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There is inaccurate information posted on my credit report with TRANSUNION. I have stated my reasons for disputing those accounts in the documents attached. I have sent 3 requests ; Certified mail to resolve these issues with no prevail. TRANSUNION is violating my rights by continues to report inaccurate information to my credit profile. First Request : Certified Mailed ( XX/XX/XXXX ) - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Second Request : Certified Mailed ( XX/XX/XXXX ) - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Third Request : Certified Mailed ( XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. # 1. Who verified these accounts? # 2. How were these accounts verified? # 3. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my WET signature on it correlating to the disputed accounts. If TRANSUNION is UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately. TRANSUNION has failed To provide me with any information I requested while continue to report inaccurate information to my credit 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 explanation
Consumer complaint received 2018-01-17
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
TD Bank has restricted XXXX from linking my account. They originally did it with my debit card but will not allow me to link my bank account. I need to have this linked in order to withdrawal funds and they put me in a stressful position. They have restricted this with another website as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
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: Public record information inaccurate

Complaint:
A state tax lien that has been paid and released from 2010 has not been removed from my credit report. It has been removed from my XXXX Credit report but not TransUnion. 
I have called TransUnion, The XXXX County Recorder, & The California state Franchise Tax Board. They all say they cant help me and tell me and point me in the direction of the other.

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 2018-01-17
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My wife was trying to access her account on line via linking a service to the checking account. It was noted that TD Bank was blocking her from enabling applications via internet and it gave us a direct # to speak with a td Bank representative to fix the issue. We called the XXXX XXXX XXXX # and was told that it would be 20 minutes of waiting to speak to a representative, After being on hold for 56 minutes a man came on the phone and said he was unable to help unless we went to a TD location. This is unacceptable we lost the deal, and will be closing td account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I contacted XXXX XXXX numerous times and they have stated that the account has been removed from my credit reports in XX/XX/XXXX but for some reason when I check in XX/XX/XXXX it is still showing on my reports. I have included the message from XXXX XXXX for validity. 


A delete request was previously sent to the bureaus when this consumer filed a complaint back in XX/XX/XXXX. An XXXX delete was performed today and should result in the trade line being removed from her credit report. Our agency does not know what she is referring to when she mentions her XXXX XXXX XXXX Check.

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 2021-12-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A validation letter was sent to Chase in regards to alleged debt. In that letter i, the consumer, was requesting validation of this debt which is provided as exhibit A. The response i received from chase to validate alleged debt was a copy of billing statements which is provided as Exhibit B. 15 USC 1692g states ( a ) Notice of debt ; contents Within XXXX days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within XXXX days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 

The billing statement that was provided contained 15 usc 1692g ( 1 ) and 15 USC 1692g ( 2 ) but did not contain any of the other requirements that need to be provided to validate a debt. They are in violation of 15 USC 1692g ( 3 ), 15 USC 1692g ( 4 ) and 15 USC 1692g ( 5 ). 

In exhibit B, the billing statement show that Chase is currently in violation of 15 usc 1692e ( 2 ) ( a ) which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) The false representation of ( A ) the character, amount, or legal status of any debt ; After reviewing the billing statements you can see the balance is a positive balance. If there is a debt owed the account should show as a negative balance as a consumer can not pay on a positive balance. This is a false representation of the amount of alleged debt and chase is currently in violation. 

Due to the amount of violations and inability to validate the alleged debt i demand that account balance be XXXX 'd out, removed from all credit reporting agencies and attached invoice paid

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: EQUIFAX, 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: Account information incorrect

Complaint:
in XX/XX/XXXX, the dean of the school called me into to the office to do exiting paper work. she told me that i would have the lowest plan. She also told me interest would not be high. They have brought mey credit score down 200 points over misinformation I was gived i calle student loan services, I am in deferment, but they have yet to move incorrect pass due dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: DISCOVER BANK
State: NH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I XXXX XXXX have been going through a difficult time financially. Recently I have received numerous calls even during work hours on collection of several debts. I would like a cease and desist on these calls, and a settlement offer from each creditor that I can look into borrowing funds from family members to pay off permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04
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: Credit inquiries on your report that you don't recognize

Complaint:
TO WHOM IT MAY CONCERNED THESE LENDERS PULLED MY CREDIT WITHOUT MY CONSENT OR PRIOR AUTHORIZATION. I CALLED THE THREE CREDIT AGENCIES AND COMPLAINED ABOUT THE ERRORS ON MY CREDIT REPORT AND DEMANDED TO HAVE THEM REMOVED. THEY IGNORED MY CALLS AND DID NOT REMOVE THE UNAUTHORIZED INQUIRIES. 
THE FOLLOWING ARE THE UNAUTHORIZED INQUIRIES : 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 explanation
Consumer complaint received 2021-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
On XX/XX/XXXX, I attempted to apply for a CapitalOne checking account. I was prompted by the system that something went wrong. I was invited to apply again. After several unsuccessful attempts I finally called CapitalOne. 

I was told that I had actually been denied an account. There was no explanation as to why. I did not receive any communication from CapitalOne as to what consumer reports were used in the decision. I was told the decision was final and there was no further information available other than that I've been denied an account. 

I was also told that I am not entitled to know why I was denied an account, but without that information, how can I dispute any inaccurate or outdated information? I was told this stemmed from an account in XXXX. That seems outdated, but again, I was told I could not be furnished this information. 

I'd like my rights under the FCRA respected. 

I was not told what information was used against me in this decision. 
I was not told which consumer reports, if any, were used in this decision, meaning I can not request a free copy of any reports used. 
I was told I did not have a right to know what's in my file ( e.g., what information/accounts CapitalOne was referring to ), only that the decision was final. 
Again, I can not ask for a credit score, because I do not know what consumer reports were used.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I transferred approximately XXXX LTC from XXXX ( Coinbase 's exchange ) after a somewhat glitchy " submit '' button was presented on screen, noting that I 've made too many transactions within the hour, despite only making one other withdrawal. My account is verified as well, so this was odd. Eventually after trying 3 or 4 times, the transfer said " submitted ''. This was XX/XX/XXXX. Around 13 days later ( XX/XX/XXXX ), I have still yet to receive the XXXX LTC from my XXXX account to my Binance account. On the Coinbase site, if you send any crypto from XXXX to another place, say a wallet or another exchange, there are two transaction notifications. One says " Transferred X '' and the other says " Sent X '', where X is the cryptocurrency. On this transaction, unlike the others, it just has " Transferred X ''. The certificate on the site was valid, and I always read aloud and double check the addresses to make sure they are correct. All this causes me to believe that Coinbase still contains my LTC ( worth ~ {$50.00} ). I 've sent support tickets and called, but no response has been made and I would like my money back. I am Case # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: ARC Management Group, LLC
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Per the FCRA Section 609, all furnishers must validate debt. Per the FDCPA, all collections must verify debt and provide an initial written communication with information about the debt. I have never received an initial communication in writing that is required by federal law. Because of their lack of following proper procedures, I was unaware of the debt they claim I owe and was never given the opportunity to exercise my right to dispute the debt within 30 of the initial notice. ARC Management Group began reporting this debt without my knowledge and without verifying the debt. I do not believe that the debt belongs to me. I would like for them to properly verify the debt by providing the original consumer contract with my signature on it. Without that, there is a strong possibility that ARC Management Group has mistaken my identity for someone elses. And by their lack of following the federal law to send notification about the debt, I assume that ARC Management Group knows that they can not verify the debt and are illegally furnishing information to my credit files. I would like to exercise my rights and demand to have the debt validated and verified or immediately deleted from all credit reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-30
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have been trying to receive a credit card from citibank since XX/XX/2018. Unfortunately, the two times they have tried sending my card since then have not been successful. I tried to cancel my card afterwards but despite being able to answer all my personal questions, they refused to do so on the grounds they could not send a message to my personal phone. They have sent a letter that would allow for my identity to be verified, except I have until now received no mail from them, so I am not confident this will work either and when I pressed them as to what will happen if the letter does not arrive, I was told that they are not sure. I am uncomfortable that I have an open account that I can not use and can not close.

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 2018-10-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: KY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
The statue of limitations has expired for the outstanding HELOC with 5/3rd, but they are not going to provide me with a lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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:
As of XX/XX/2021 I have attempted over 6 times, over several months to remove fraudulent accounts on my consumer report related to identity theft. Your company has willfully neglected to comply with federal law and are in clear violation of 15 U.S. Code 1681c-2- Block information resulting from identity theft. Your agencies individual policy doesnt supersede federal law. The law says, in a case of identity theft a consumer must provide a XXXX. FTC Identity Theft Report XXXX. Identification XXXX. Confirmation from the consumer that said accounts resulted from identity theft and that one doesnt assume or accept responsibility. The following statement is directly from a government website bonded by the United States Government via consumer.ftc.gov : If someone steals your identity, you have the right to remove fraudulent information from your credit report. This is called blocking. Once the information is blocked, it wont show up on your credit report, and companies cant try to collect the debt from you. If you have an FTC Identity Theft Report, credit bureaus must honor your request to block this information. I indeed provided these items several times and sent said documents with notary certification. I have provided once again another FTC Identity Theft Report along with identification and a statement confirming these accounts resulted from identity theft. 

The account related to identity theft is : 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 2019-02-10
Company: Ocwen Financial Corporation
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:
My credit report contains an mortgage account from Ocwen / XXXX XXXX which I have contacted Ocwen and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your 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
Consumer complaint received 2021-12-08
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Hyundai Motor Finance is operating in fraud and performed an illegal repossession on my property. Hyundai Motor Finance sent a 3rd party company to my private property and stole my car. Hyundai Motor Finance is in direct violation According to Federal Law 15 USC 1692e ( 4 ) - which states the representation or implication that nonpayment of any debt will result in the arrest of any person or the seizure, garnishment, attachment or sale of any property or wages of any person. Furthermore Hyundai Motor Finance does not have any legal security interest in the vehicle they repossessed/ stole from me, according to the XXXX search attached below there is no legal lien of any kind on my name. Furthermore Hyundai stole my vehicle and my personal property inside of my vehicle with a value of {$250000.00} and gave me no way of retrieving my personal items or getting my property back. Furthermore I asked Hyundai Motor Finance for debt validation on XX/XX/2021 and received by XXXX on XX/XX/2021 in which they did not validate the debt thus defaulting, I sent a default and opportunity to cure notice on XX/XX/2021 and received on XX/XX/2021 in which Hyundai Motor Finance did not respond. I sent a default notice on XX/XX/2021 and received XX/XX/2021 in which Hyundai still has not responded. I have evidence and receipts for all of these mailings in which everything was sent via Notary Presentment.

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 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Please be advised that you are reporting incorrect personal information on my credit report. I need the following information updated as soon as possible. 

My current address is : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX My current phone number is : XXXX My current Employer is : XXXX XXXX XXXX XXXX XXXX Please remove the following personal information from my credit report. My identity has been mistaken. 

Incorrect Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ; XXXX XXXX XXXX, XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY 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