BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I requested a credit line increase through your online Credit Line Increase Tool located at XXXX XXXX XXXXXXXX. I only did this because it clearly states A credit bureau report will not be requested and you will receive an instant decision. ( refer to screenshot on page 2 ) of that tool and that exact statement. I put in the request, my request was granted on XXXX. However even though your tool clearly states you will NOT request a credit bureau report your system requested one anyways as part of this request. 
- faxed letter attached : XXXX XXXX Credit Bureau Dispute Unit.pdf I contacted their customer service department multiple times and someone was looking into this and noticed there was a technical glitch in their system that initiated this credit pull by accident. XXXX XXXX followed up stating it was a system error and I should submit the request to remove this credit inquiry from XXXX Credit Bureau Dispute Unit department. After 4 conversations, 4 faxes sent all I received was their generic letting stating this hard credit pull will not be removed. 
- file attached : 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 2023-03-29
Company: EQUIFAX, INC.
State: NC
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:
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 response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2021-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had disputed with XXXX XXXXXXXX XXXX XXXX that they had indicated that I had opened up my credit card in XX/XX/XXXX I just got back the dispute stating that it was valid Ive called XXXX XXXX XXXX XXXX today and I was advised I opened up the account with Capital One on XX/XX/XXXX of XXXX the account charged off on XX/XX/XXXX of XXXX. XXXX XXXX XXXX XXXX purchased the debt on XXXX XXXX. The response back to me it stated they will remove this in XX/XX/XXXX. I lived in Arizona when the account was opened/closed. The STATUE OF LIMITATIONS is 6 years. When I spoke to someone at XXXX XXXX today I did ask them to send me proof of Validation of debt. They are reporting an incorrect date that this account was OPENED. I havent made any Payments on this account to start the clock over.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Information belongs to someone else

Complaint:
It has been a battle going through this and I am submitting this complaint to delete the following fraudulent information completely from my file. The accounts I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the accounts be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I therefore request that you immediately remove these information from my credit report with your firm pursuant of the FCRA Section 605b. Please delete these accounts as soon as possible : XXXX XXXX & XXXX ( Original Creditor : XXXX XXXX XXXXXXXX ) XXXX Balance : {$3300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$900.00} XXXX XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX Balance : {$670.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXXXXXX XXXX  XXXX XXXX. ) XXXX Balance : {$1000.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}

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 2021-06-11
Company: AMERICAN HONDA FINANCE CORP
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
For nine ( 9 ) years I have been fighting with Honda Financial Services to send me the title to my XXXX XXXX. I leased the car in XX/XX/XXXX. When the lease was up after 3 years, instead of trading it in, I opted to buy the car. In XX/XX/XXXX, I paid off the car. 
Since then, I have tried numerous times to obtain my title. I have sent back the odometer statements all to no avail. 
In XX/XX/XXXX, HFS attempted to bill me for registration in VA even though 1 ) my loan was paid in full, and 2 ) my car was registered in FL for over a full year at that point.

I faxed them asking AGAIN for my title and to have them remove the charges they erroneously billed me. Still no title. 
I have sent multiple odometer statements. No title. I have tried the DMV, mytitle, no luck.

I held up my end of the bargain. Why cant Honda do the same?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: Coinbase, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have yet to see the proceeds from my US wire transfer created on XX/XX/XXXX, yet an ACH transfer has arrived and the Coinbase site says the wire transfer was completed on XX/XX/XXXX. They state that Wire Transfers only take a day or two to complete, but it has been two weeks and I have not received my funds. 

The amount was in the thousands and it was sent to my bank on the same account as my ACH, which did succeed, so I know the bank information is correct. I have contacted my bank 's wire department and they have no record of any wires for that amount over the past couple weeks - so it was n't an issue with the account details being incorrect, my bank had n't received any wire for that amount for any account. 

I first contacted Coinbase support via their support ticket tool on XX/XX/XXXX - but only received " canned '' responses for issues totally unrelated to mine. I responded to the ticket several times, and got a different " canned '' response for a totally unrelated issue, and eventually Coinbase stopped responding entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, 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:
The Credit bureaus stated my account was properly investigation but how is that possible if the open date inaccurate, the last active date is inaccurate, the account says open but others say closed. This ground for removal they also violated my rights under 15 U.S.C 1681 section 602 A. states i have rights to privacy.

15 U.S.C 1681 section 604 it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-04
Company: First Federal Credit Control, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation notices to the creditor and only receive a verification of the debt instead of a validation of the debt. As per the Fair Debt Collection Practice Act ( FDCPA ), a credit is supposed to respond with the original creditors name, address, and account number and not report to the credit bureaus nor attempt to collect until they have responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Experian Information Solutions Inc.
State: KS
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:
There is a loan that was disbursed XXXX in the amount of XXXX with the XXXX Department of Education. Inaccurate information is reported on my credit report with XXXX, Experian and XXXX  that I had late payments on this account. It is reporting thatIt was delinquent XX/XX/2015, XX/XX/2015, XX/XX/2015 This is incorrect information I have never been late or had negative history on any account. This account was in forbearance during this time, all paper work was submitted and was on forbearance meaning no payments for due. I have already reached out to both the credit Fed loan they denied the corrections to my credit report and the credit bureaus. This negative history on my credit report is affecting my credit score and my ability to obtain a mortgage. I want this inadequate information to be removed from 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 2022-04-07
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, Experian and XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$320.00}, XXXX XXXX XXXX Balance {$820.00}, XXXX XXXXXXXX Balance {$150.00}, XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1400.00}.

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 2021-06-11
Company: EQUIFAX, INC.
State: GA
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 sent in a letter disputing and challenging unauthorized and fraudulent inquiries being reported on my credit report. Via section 609 letter of the Fair Credit Reporting Act ( FCRA ), I requested that Equifax, XXXX  and XXXX  investigate these non-account holding inquiries. In addition, I sent in a 30 day demand letter. It has been over 30 days from the original letter and I have not received a response. This is a clear violation of consumer laws and the Fair Credit Reporting Act ( FCRA ). I demand that these unauthorized inquiries be immediately removed and deleted from each of my credit report. I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions 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:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXX/Experian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00}.

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 2017-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
For 4 YEARS NOW I HAVE SENT IRS release FORMS, HIRED AT MY OWN EXPENSE CREDIT REPAIR COS, AND WRITTEN LETTERS, iNSTEAD OF HELPING ME, THE MATERIAL IS ADDED ERRONEOUSLY AND IS WORSE THAT NEVER.NOW i MUST TAKE A STAND AND ASK THAT ALL 3 COMPANIES REMOVE LEIN INFORMATION ( WHICH CAME ABOUT WHEN i WAS IN HOSPITAL BATTLING XXXX AND COULD NOT BE REACHED ) WHEN ON MY FEET, i CALLED AND ALL WAS PAID OFF.i HAVE LIEN RELEASE INFO FROM XX/XX/XXXX.i LOST MY HOME IN HURRICANE iRMA AND NEED TO RELOCATE* AT GREAT EXPENSE TO ME, A XXXX YEAR OLD.ALL LOAN applications STOP AT LIEN - DO NOT EVEN READ print.AND 1 CREDIT REPORTING AGENCY HAS DATES AND ALL WRONG.iF IN DOUBT GO TO XXXX  COUNTY, FL COURTHOUSE AND SEE WHEN RELEASED.i PAID XXXX XXXX DOLLARS OUT OF POCKET TO FIGHT AN ILLNESS AND OBSERVED LOTS OF HARDSHIP-..i NEED A BREAK. THE XX/XX/XXXX XX/XX/XXXXIRS INITIATIVE STATES FRESH START.i GOT WELL AND PAID..PLEASE ** HAVE ALL 3 AGENCIES REMOVE ANYTHING REFERRING TO A LIEN.iT 'S PAID AND MISCONSTRUED EVEN BY CREDIT REPAIR .tAKE ALL OFF..iRS STATES THAT CUSTOMER MUST FILE FORM XXXX i HAVE DONE THAT TWICE AND THEY RE ENTERED again dates etc.INCORRECTLY..TAKE ALL OFF..SO i CAN START MY LIFE AGAIN- need a home loan.. HOME IS ravaged ..THIS IS A GREAT HARDSHiP TO ME WHO FOLLOWED ALL THE RULES..XXXX  XXXX XXXX XXXX XXXX XXXX, fL XXXX, XXXX XXXX XXXX..THANK YOU XXXX XXXX and staff FOR HELPING ..*XXXX XXXX WHO DOES NOT DESERVE THIS ( there was no box under military for XXXX.My husband is XXXX just me living )

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 2019-10-10
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: Information belongs to someone else

Complaint:
Equifax is showing a collection account on my credit report. This account is inaccurate and despite my dispute they have not removed it nor have they provided any documentation to verify or validate that the ( inaccurate )  account that they will not remove is in fact mine or does belong to me. 
The Equifax confirmation # in question is XXXX. 

XXXX has already concluded that the account was NOT accurate and has removed it from my report ( a copy of that notice is attached as well ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: Information belongs to someone else

Complaint:
I have had identity theft happen to me with a XXXX  secured card. I have told experian and XXXX  many times they refuse to remove. i need this removed or i will take legal action. i have been advised unless they can show proof how they say this is mine they must remove.

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 2018-06-04
Company: JPMORGAN CHASE & CO.
State: LA
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:
After my car was totaled XXXX insurance as well as my GAP protection paid off the remaining balance of the auto loan, yet the Chase Auto continues to ignore their duty and remove the negative error from my credit reports.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-07
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: Their investigation did not fix an error on your report

Complaint:
Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
Upon reviewing my credit file, incorrect information was found in my reports. The TransUnionXXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$360.00}.

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 2017-10-03
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Sallie Mae XXXX XXXX taken on XXXX/XXXX/XXXX - {$18000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$15000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX Loan taken on XXXX/XXXX/XXXX - {$16000.00} balance as of XXXX/XXXX/XXXX I feel that Sallie Mae, along with their partner XXXX routinely engage in unfair, deceptive, and illegal practices I am the primary borrower and my mother is the co-signer. We strongly feel that Sallie Mae mis-represented themselves and had us believe that they were a federal student loan servicer and at the end of graduation, we find out that all of my son 's Sallie Mae loans were private which leaves us in terrible debt along with other federal loans that he also has to pay. 

We are currently in forbearance that will end in early XXXX. According to Sallie Mae, you are put in delinquency after the forbearance period if you can not start paying your regularly scheduled amounts. This is just horrendous not only for me who literally do not make enough in my first job out of college to be able to pay these loans back, but for my parent as well. 

I am also currently also paying other loans. I need Sallie Mae to work with me according to what my currently salary so I can at least start paying back what I can afford to pay back. I 've been told my Sallie Mae that I literally have to be delinquent first, which will ultimately affect my credit, as I 'm just starting out in the corporate world. What are my chances of success if I have to stress so about this currently situation. This is really tough and unfair and clearly I was completely taken off guard when I found out these were all private loans when all along we thought they were federal and under XXXX. 

We need alot of help with this student loan crisis which not only affects me, but includes millions of other young people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-24
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: Old information reappears or never goes away

Complaint:
There was a collection for XXXX on my credit file that I have been fighting for some time. It is over 7 years old but kept going from collection company to collection company and always being re-aged as to when the companies picked up the account. The company that they are reporting now is, XXXX XXXX. XXXX and Experian report it one month then not the next. This thing is over 7 years old and no money is owed. I just received noticed from my credit monitoring site that they put it back on.

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