BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I sent Bitcoins ( BTC ) and Bitcoin Cash ( BCH ) from Binance exchange to Gdax ( Coinbase ) on XX/XX/XXXX and XX/XX/XXXX. Even though emails and coinbase log shows that it arrived and was deposited to GDAX, my GDAX account is not showing the coins. Multiple emails, cases, phone calls, but no customer support what so ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: KEYCORP
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I canceled my checking account ( XXXX ) with Key Bank, and system problems at Key generated numerous checks to myself and my wife, even though the account had been closed. I returned the checks, spoke with two bank managers in an attempt to stop the printing of any further checks. After two bank managers assured me that the problem had been resolved, and all NSF charges had been reversed, I thought the matter was settled. 
About a year afterwards, I received a notice from XXXX on XX/XX/XXXX that indicated I owed {$160.00}, a delinquent collection notice. This was the first such notice. 
Key Bank has agreed to pay the delinquency, but as of XX/XX/XXXX, I do n't see that they have paid the {$160.00}, nor have they recompensed me for the drop in my FICO score, caused by their errors. 
It seems strange a closed account could generate the problems precipitated by IT problems at Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX ... THIS WAS A STUDENT LOAN THAT WAS FORGIVEN WHEN I WAS PUT ON XXXX. I WAS TOLD IT WOULDNT SHOW NEGATIVE 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 2022-12-16
Company: HYUNDAI CAPITAL AMERICA
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have been violated repeatedly and ignored by Kia Finance America/Kia Motors , and they refuse to send requested documentation. I have requests Debt Validation and Debt Verification and they refuse to comply by sending my requested documentation. I have sent other requests as well such as Right of Rescission, Billing Error Notice, 2 notarized Affidavits of Truth, Notice of Default and Opportunity to Cure, Debt Validation not verification. 

They continue to violate my federally protected consumer rights.

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 2022-01-17
Company: EQUIFAX, INC.
State: CA
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:
Equifax XXXX XXXX still reporting a past due balance on my credit report. It is against violations to continue to report a past due balance on a charge-off debt. In violation of FCRA Section 611 ( 5a ) ( 15 U.S.C section 1681 ) : Treatment of Inaccurate or Unverifiable information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was told I could change the date of my loan payment after the first payment was made so I called the agent as I was directed to and I set it up with a woman sadly to say I do n't remember her name but I 'm sure they would have some kind of record of it I told them I want to move my pay date to the XXXX and unfortunately that did not happen I 've been having problems with this loan company credit union since I bought the car they do n't have my right birthdate my maiden mother 's maiden name is wrong it 's been a complete nightmare so thinking I 'm making my payments on time with the 10-day grace. Actually it looks like I was late on my payments that is ridiculous and I 've talked to several people at the Golden 1 and last time I talked to somebody they said they took care of it obviously not because my credit score drop drastically. Also I had an incident with the water company where my mail was stolen and I had no idea that the bill was due super busy and it 's the last thing I even ever expected the previous tenants went down to the post office and put some kind of vacation hold on our mail and of course being very busy it just weeks went by and sadly to say I was n't keeping track and she was collecting our mail so again another late charge

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 monetary relief
Consumer complaint received 2018-01-08
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This is a repeat complaint. Equifax initially responded that they were investigating and getting back to me with results. This was on XX/XX/XXXX. As a result, that complaint XXXX was closed. I never heard one word from EQ. I then submitted it again on XX/XX/XXXX Complaint XXXX and no response to date. I first started this dispute in XX/XX/XXXX. All records have been attached. I d need these three accounts to report on my EQ reports. One of these disputed accounts did show up very briefly only to be taken off yet again after approximately four days. I 've been treated so unfairly and ignored. 

The entire problem squarely belongs to Equifax. They refuse to acknowledge three authorized user accounts that I am still on. The other 2 bureaus are still reporting them. On XX/XX/XXXX EQ  Report XXXX ; All Three AU ( Authorized User ) Accounts were reporting 1. XXXX 2. XXXX 3. XXXX XXXX XXXX. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX Account drops off. XX/XX/XXXX EQ Report XXXX XXXX XXXX XXXX drops off. My partner is the individual who listed me on his cards ; XXXX XXXX XXXX, and we both reside at the same address. EQ Report XXXX Begins the non-reporting of my AU accounts on XX/XX/XXXX. However, XXXX and XXXX are still reporting to this day. I 've spoken to all three Credit Card 's Reporting department and each has told me that is is not on their part, but they are indeed reporting the three Revolving Cards with me as an AU. I call EQ and they have absolutely no record of the accounts at all! I 've been told to call the lenders because it 's a problem on their end. I keep fairly good records and have all the documentation to show. I 've sent several disputes to EQ but yet to get any sort of response. This has been going on since Mid-XX/XX/XXXX. In the course, my XXXX has dropped my score by almost 20-points with EQ. It is the lone score that is sorely out of place. Lastly, as a point of reference, the AU cards are my partner 's cards. We 've been together for almost 14 years now and I still use and partially pay those statements when they arrive. All three cards are in my wallet now. Thanks for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: MARINER FINANCE, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
At the end of XX/XX/XXXX I advised personal Finance that I was in the process of filing chapter XXXX bankruptcy and the account that I had with them would be included in the bankruptcy. At the advice of my attorney I was to stop all payments to Personal Finance. On XX/XX/XXXX Personal Finance obtained a judgement against me in the amount of {$990.00}. On XX/XX/XXXX the paperwork for the chapter XXXX bankruptcy was filed by my attorney. The proper documents were sent to all of my creditors and Personal Finance filed a claim of {$990.00}. Up until XX/XX/XXXX Personal Finance has reported the account balance to XXXX as {$0.00}. On XX/XX/XXXX XXXX XXXX notified XXXX that the balance increased from {$0.00} to {$1200.00} which is incorrect. They also marked the account as charged off/written off as bad debt as of XX/XX/XXXX. Per the bankruptcy law the account should be reported as closed with a {$0.00} balance. Since filing bankruptcy the trustee has sent Personal Finance a total of 5 payments that total {$88.00} which would bring our remaining balance down to {$900.00} NOT the {$1200.00} that Personal Finance is reporting to XXXX. It appears that Personal Finance has continued to charge interest on the account even though the account was included in the chapter XXXX bankruptcy which is a direct violation of the bankruptcy law. I demand that this inaccurate information be removed from my credit report immediately. My credit score dropped 35 points because Personal Finance inaccurately reported an account balance and a derogatory remark of charged off as bad debt. This account was not a charge off prior to me filing bankruptcy and shouldnt be reflecting as such.

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 2021-06-09
Company: Experian Information Solutions Inc.
State: CA
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 would like to file a complaint with Experian and XXXX. Experian is reporting two bankruptcies on my credit file and I requested for Experian to follow the Fair Credit Reporting Act and investigate both of those bankruptcies for me. I am sending you the evidence that I actually disputed it with Experian at least three times and each time they verified it incorrectly or they never verified it. as evidence the phone number that Experian claims that they called is actually a disconnected number on my credit report. I would also like Experian to review my entire credit report and all my mortgages are paid on time. All my bills are paid on time there is no evidence of bankruptcy or my account would have shown that they are a part of chapter XXXX or XXXX. I am asking Experian for the last time to either verify them properly or by law you must remove anything that you can not verify after investigation and I would like to give him 30 days to verify or remove these two bankruptcies from my credit report. I'm a full-time XXXX and I have no extra time to dispute accounts with Experian.

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 2018-01-08
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2018 I initiated a transfer to gdax of ~16 LTC . According to coinbase the XXXX LTC was received and automatically transferred to GDAX. However, on the GDAX side there is no record of the transfer. So now the LTC is not on the Coinbase side or the GDAX side. According to their documentation the transfer of assets between Coinbase and GDAX should happen instantly. I waited 5 hours and then opened a support ticket. I have not heard anything regarding my support ticket and have not received my funds as of XX/XX/XXXX. 

Since their has been no communication to about this issue that is happening to numerous people ( see gdax XXXX ) or answering support requests, I can only assume they are  either unwilling or unable to return the assets.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXXThis account was paid in full. This is inaccurate. 
XXXX XXXX XXXXI was NEVER late. This account is misleading XXXX   XXXXThis account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXXThisdate of last activity is misleading. 
XXXX  XXXXI was never late. 
XXXX XXXXI 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXXI HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXXXXXX XXXX XXXXXXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXXThis account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
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: Was not notified of investigation status or results

Complaint:
I would like to know how you verified the following accounts when they are clearly inaccurate : Did you call the original creditor or just look at the information in your database? 

XXXX XXXX account was paid in full. This is inaccurate. 
XXXX XXXX XI was NEVER late. This account is misleading XXXX XXXX account is inaccurate. There should n't be a balance. 
XXXX XXXX XXXX of last activity is misleading. 
XXXX XXXX was never late. 
XXXX XXXX 've never done business with XXXX nor have they responded to any of my letters for investigation, How are they certifying verification to YOU???? 
XXXX XXXX XXXX XXXX HAVE NEVER DONE BUISNESS WITH NOR HAVE I BEEN CONTACTED BY THIS COMPANY ABOUT THIS DEBT!!! 
XXXX XXXX XXXX XXXXthe rating on this account is inaccurate. 
XXXX XXXX XXXX account is listed on my account TWICE ... ..TWICE!!!! Yet and still you refuse to remove it ... how is that possible or legal? 


I 'm getting tired of sending these disputes that the credit bureaus are not investigating, The credit bureaus need to be held liable for all the stress they are causing consumers to go through dispute inaccurate information on their credit reports. How is it that a collection agency can just place a collection on my report but i have to fight tooth and nail to get them to investigate. This is NOT right!!!!!!

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 2017-07-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an account with the XXXX XXXX app that allows its users to have access to the money they 've earned after a working day. That money borrowed is deposited from our account to the app in that exact amount. However every pay week there is an agonizing delay of JP Morgan Chase Bank reporting back to app that I have been paid, so that I may begin to use the app again. I have used this app almost 2 months and have had this problem every time, that in which includes today. The app suggested I either write this report or tweet the bank in which would get their attention. I have XXXX the bank several times and only once has the problem been solved expeditiously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I have filed numerous complaints with numerous government entities including the cfpb and the problems are still not fixed. I have filed complaints directly with the credit reporting agencies I have filed complaints with XXXX directly I have filed complaints with the Department of Education and the problem is ignored and not corrected. This is my final attempt before I contact a lawyer and I become part of a class action lawsuit to sue XXXX. 

I have repeatedly asked for the past 12 to 18 months worth of statements an information showing payments that I have made how they were applied and previous interest rate information how it was calculated in all kinds of information that I have not received and it is not in my account. I am sick to death of asking for XXXX that I am required to have by law! There are no statements there are no details there is no information. On top of that I continue to make payments that it or not reported to my credit bureaus. My loan has has decreased because I have been paying down the loan and there is no interest accumulated yet none of this information transferring over to my credit reports. They are only reporting that I am on time they are not reporting that I'm making payments which I am. They sent me some ridiculous response and I'm going to attach to this complaint about my address and other things that was not even part of my complaints and they completely ignored the second part of my complaint which dealt with the credit reporting problems. They also keep flat-out lying and stating that they are uploading statements and all of us other lies that they are not in my account. I want this XXXX fixed now I have had enough and I'm going to go to the media as well. They are playing games even in the response that I have attached to this complaint they tell me to detail my complaint again and send them more information which I have multiple times. I am not playing games they are to report what they have to the Credit Agencies immediately and accurately. They are also reporting an address that I have never lived at and they keep reporting it to the Credit Agencies an address in XXXX Michigan.

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 2019-05-01
Company: EQUIFAX, 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:
This is my 4th and final complaint against this bureau. I have sent several affidavits yet They refuse to properly address them. 

I have never been provided the methodology for these alleged accounts on my report. 
1. XXXX XXXX XXXX XXXX ( 2x ) 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX They have refused to provide : 1.name ( s ) of representatives spoken to at the above institution 's that they allegedly verified these accounts with. 
2. Complete account number ( s ) 3. Time, phone number called, date spoken with 4. Title of rep spoken with to allegedly verify these accounts. 
5. Methods used to verify 6. Complete name, ssn, dob of alleged account holders ' name.

7. Date account was opened, reported etc 8. Name of representatives at above institution 's that opened these accounts 10. Branch Locations where these accounts were allegedly opened 11. The original, signed documents/contract from the above institution 's 12. Notarized, Affadavit from creditor ( s ) stating who the debtor is. 

In addition, this process has went om for 1 year with no resolve. 
I am being held hostage and my credit is being adversely affected in the process. 

I demand that these accounts be deleted immediately as you have not done what was necessary in the allotted timeframe. 

In addition I have repeatedly started that no other names are mine beside XXXX XXXX. 
Yet they continue to illegally report other names that don't belong to me. 
They clearly have me mixed up with someone is. 
I have repeatedly stated that no other addresses being to me besides XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX Yet they continue to report addresses on my report that don't belong to me. 

This is illegal and unfair. Justice will be met. 

Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation