BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
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:
for the last 6 months I have been told that I need to contact the creditor as they may not know how to contact me, I have contacted all the creditors and they can not find the information that is being report nor an account and they tell me to go to the credit reporting agency the credit reporting agency keeps sending me back the creditor does not have my contact info. 

I have provided documents to include police reports and ftc reports still same thing

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: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Transferred cryptocurrency from a personal account to an official broker ( Coinbase.com ) on XX/XX/XXXX. The transaction succeeded while Coinbase was having outages that day, and something went wrong with automatically moving the funds to the Coinbase Pro service. After several attempts of manually moving the funds from Coinbase to Coinbase Pro ( two services managed by the same company ) the funds eventually disappeared from both services, even though all transaction logs show a succesful deposit. Coinbase Pro even acknowledges the transaction in their own logs which I've attached, yet the funds never show up in the actual service. 

https : XXXX Coinbase Support is refusing to respond after a week even though it's clearly described in my support ticket XXXX # XXXX XXXX that this situation involves a non-trivial amount of real money and points at being completely their fault alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-15
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Please see the attached detail complaint. My personal info is as follows : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, MO XXXX XXXX Phone XXXX Fax XXXX I have been trying to contact HSBC concerning my Deed of Release. They are the servicing agent listed on XXXX. MIN:XXXX I need to clear this matter up ASAP. HSBC is " Clouding my Title '' and preventing me from getting a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Kindly address this issue on my credit report. I assert that this account is not mine and believe it to be fraudulent. I urge you to correct this mistake and have provided supporting documents for verification.

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 2023-11-21
Company: Experian Information Solutions Inc.
State: NE
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It is absurd that I have consistently made timely payments for this account and have never been overdue. I kindly request that you promptly update my account to reflect this accurately.

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: TD BANK US HOLDING COMPANY
State: SC
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX XXXX, 2019, XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019XXXX XXXX XXXX XXXX XXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, TD AUTO FINANCE add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: EQUIFAX, INC.
State: CO
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:
Equifax ; XXXX  and XXXX  should not be reporting a collection/chargeoff in the amount of {$21000.00} on the XXXX XXXXXXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account has a {$0.00} balance and {$0.00} past due. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed. It is a violation of the Fair Credit Reporting Act to not report accurate information on my credit report. I have contacted the bureaus to fix this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-08
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/2023 Citi Bank decided to close my account because they were allowing fraud on my account. They investigated it and found it to be a fraud and returned my funds but they decided they did not want to do business with me and blocked my account and kept my {$300.00} they never notified me and are refusing to return my money to me now. On XX/XX/2023 Citi Bank 's official statement, told me that as of XX/XX/2023 there would not be any access to my account by withdrawal, or online banking, and no deposit direct deposits would be rejected and returned. On XX/XX/2023 account was already closed they accepted a XXXX deposit and did not reject it on a closed account and return it to the United States government so that the deposit could be deposited by the government into my new account Citi Bank stole that deposit and put it in an account I can't access 2 weeks after they closed my account and now will not return the money to me or will not return it to the Government. They have {$4000.00} I can't pay my rent, and utilities, buy food, or get my XXXX medicine. They say to go to your local branch my local branch for Citi Bank is 5 hours away and maybe I could withdraw it from a branch. I will lose my home my electricity my water and without my medication my life. They stole XXXX and put that money in a closed account knowing i would not get access to those funds I want and need my money today

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 2023-04-28
Company: EQUIFAX, INC.
State: AL
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 fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX, XXXX, XXXX XXXX XXXX XXXX A XXXX XXXX AL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AL XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$5700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: HI
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies

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 2021-01-09
Company: The CMI Group, Inc.
State: PA
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 am in the process of trying to fix this with the company. I sent a letter describing the situation to their complaint department on XX/XX/2021, I am waiting to hear back from them. My credit report has recently shown that I owe the amount of {$450.00} to XXXX XXXX. I do not. I have an account with them but it is not nor has it been delinquent. I would like to state that I believe my email address has been leaked on the dark web along with my name ( information my credit card company shared with me ) and I believe this is another person using my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Back in XX/XX/2019, someone gained access to my XXXX XXXX account information and completed wire transfers of large sums of money into my account, XXXX XXXX However, XXXXXXXX XXXX  continued to accept deposits from these people well after my call to them informing them of the fraudulent activity and froze my assets for about 2 weeks. In return, they forced me to close the account that I had with them for 8years with no problems before this other than a few overdrafts paid immediately ; they printed a check for my funds in the account. To my understanding, there were no fees owed to them, so I don't understand what their motive is. Because I called XXXX and made them aware of the strange activity, the thief or thieves I don't know who the XXXX they are could not do what it was they set out to do. 
So I took my check and deposited it into my new credit union account, however ;, now that I have relocated from XXXX to XXXX and have attempted to open a local bank account, I have been denied ; I made another formal complaint against XXXXXXXX XXXX, got a letter stating they are working on resolving the issue and will be in touch. Well, that was about 3 or 4 months ago, and I have yet to hear anything, so I think the issue is resolved! Wrong again, I am ; I go to cash a check at the local XXXX and get denied there. I call XXXXXXXX XXXX again ; the lady gives me the number to ChexSystems, helps me print off a report, and noted this report. Still, a bunch of inquiries, I call ChexSystems back, and the man tells me he can not help me and that I should call the financial institution. Who am I supposed to call if I don't know who has blocked me from having a bank account in 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 2021-02-04
Company: Alliance Recovery Group
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a call from XXXX VM stated my name and stated they were moving forward with 2 complaints against me on the VM> i called the number back because it was just a recording. spoke with a lady there who stated they were filing charges against me for theft of services and breaking a contract. she said they were alliance recovery. I explained to her that they are the 5th agency calling me about this debt and i told her it was paid to another agency in XXXX. I told her to Cease and Desist all communications with me as they are lying about the date of charge off and threatening to charge me with these " crimes '' she stated she would remove my number. then today same number called. same VM was left. i called back again and a lady named XXXX XXXX answered. i told her i just received a call. she stated let me get someone who can help you. she then transferred me to a man that answered and was immediately very intimidatingly. He said what do you want. I stated well I just received a call from here and he interrupted me saying. I didn't call you. I stated well your company did. he stated i see we have already talked to you and you refused to pay so we are moving forward with filing these charges against you so what do you want. i stated you yall called me. he stated no I didn't call you and you have already told us you aren't going to pay then he hung up. i called again talked to another woman and i told her what had just happened and that I wanted my number removed because of how they were treating me and how i had already asked for a cease and desist. she hung up. i called 3 more times and and they would answer and hang right up. on the 4th time a woman said. Lady we removed your number and hung up. i feel very threatened by what they did to me and my XXXX and XXXX  XXXX  was through the roof. they keep doing this to me over and over.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-14
Company: Receivables Outsourcing, Inc.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a collection letter dated XX/XX/XXXX from ROI regarding a bill for XXXX from XXXX XXXX XXXX XXXX. as I am a patient there. This bill was in dispute when it was still at XXXX XXXX as my second insurance was not billed yet and have been trying to get this resolved. I sent out a letter on XX/XX/XXXX to cease and desist all collection activity under my legal rights within 30 days to notify of any disputes and sent it out certified mail and they signed for it on XX/XX/XXXX signature included. I had asked for validation of debt from ROI in my request to validate. Then on XXXX  XXXX they sent me ANOTHER collection letter and had not sent any of the validation of debt I had requested per the law so therefore they are in violation of the FDCPA. I then sent another certified letter stating I was obtaining legal counsel and seeking damages. I didnt hear from them until XX/XX/XXXX with two more new charges totaling the same amount as the original amount. 

They are deceptive in their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
Re : XXXX XXXX XXXX XXXX XXXX ; {$190.00} Balance This account in collections with XXXX XXXX XXXX is a medical bill that was already paid by my SECONDARY health insurance and violates the 180 day reporting of medical bills on credit files. The original debt collector and XXXX XXXX   XXXX have not made effort to contact me about this debt. I ask that this account be removed from my credit file immediately for violating the 180 days agreed upon by three credit reporting agencies and the New York attorney general inXX/XX/2015. I dispute that this medical bill was paid by my secondary health insurance and there was no attempt by XXXX XXXX  XXXX XXXX XXXX to collect.

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: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
When I opened my BBVA Savings account, I thoughts its an ONLINE Savings Account with no fees. Now I just realized they charge me a quarterly service fee of {$15.00} and my account is over-drafted. I would like to close this account and reverse those fees. Given the pandemic crisis situation, I just got laid off from my job and I am unable to keep with my current obligations with BBVA. At the same time, I DID NOT know that my savings account is having a quarterly service fee of {$15.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: CrossCountry Mortgage LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Company : Cross Country Mortgage. 

I have been trying to have my Escrow account pay my supplemental tax with the surplus in Escrow for 3 months and continue to get ran in circles. I initially contacted them in XXXX and have called several times since and began emails in XXXX and still have no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Debt Recovery Solutions, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX, for the second time, is attempting to collect on an already satisfied loan with XXXX XXXX. XXXX XXXX XXXX has transferred/sold this same account to two other entities XXXX XXXX XXXX and XXXX and XXXX ) in attempts to further collect on their behalf. 

I have sent all involved parties certified letters requesting them to cease any collections efforts and the account is essentially handed off.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2018, I purchased a trip to XXXX using a Capital one XXXX card for the amount of {$2700.00}. I used the card because I believed that charging the balance on a capital one card would protect me if I had to dispute a charge. That is what their card promised. 

The trip was a nightmare and I face discrimination, abuse and isolation by the tour leader and XXXX  company. When I returned in XX/XX//2018 from my trip, I contacted Capital one to dispute the charge, I sent a 2 page letter and pictures showing proof of my dispute. I called weekly and spoke to customer service, managers and finally I wrote to the CEOs of Capital one to get help. According to capital one, I had a valid dispute but they refused to reverse the charges because they wanted another travel agent to collaborate the claims. When I told them that I did due diligence to obtain a report from another travel agent but no one wanted to write a statement nor have they ever heard of such request. I became discouraged when I realized that Capital one did not want to help resolve this dispute and hid behind a wall of deception. I continued to make payment on the card but knew that what they said was false. They do not help with disputing charges and they take the merchant 's side in disputes. 


Please see the letter enclosed to Capital one in XX/XX/2018.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: LEXISNEXIS
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:
So, over the last 6-12 months, I have been active in disputing XXXX XXXX Account # XXXX XXXX Account XXXX Both listed on my credit report that are not mine. I have provided proof that these bills belong to someone else and have not been able to get the accounts removed. the credit reporting agency continues to say that the account has been verified, but will not provide the information of verification, when asked they come back and say updated or verified I feel as though XXXX is not doing a real investigation on this matter because if they did, they would see these inaccuracies and delete these accounts from my report. I have clear proof of all my disputes. 

XXXX XXXX Account # XXXX as of XX/XX/XXXX up until XXXX/XXXX/XXXX they keep reporting that this account was being paid in XXXX of XXXX up until XXXX of XXXX then charged off in XXXX of XXXX but how can that be if the account was 150 days late in XXXX of XXXX? Also, how can I go from paid on time in XX/XX/XXXX then charged off in XX/XX/XXXX? Finally, when I look at the date last active for XXXX it says XX/XX/XXXX, for XXXX says XX/XX/XXXX, and XXXX says XX/XX/XXXX this account has been re-aged and clearly a violation. Please help clear this off my credit report. 

I also saw another account from XXXX Account XXXX that states that this account was " certified as accurate '' How can this be since I have been asking that all the information for this account be accurate. But as I write to you now its in error and I have been disputing this account since XX/XX/XXXX. 

Also, XXXX  : ACCOUNT # XXXX I asked for the information that showed that I was late but no answer. I just want to make sure my credit report is accurate. They have stated I was 30 days late twice. But my bank account shows that I paid them. Please have them update these late pmts to paid as agreed. 

XXXX Acct # XXXX This account started at 90 days late and all of my records show that I paid as agreed. Please update all months to paid as agreed because this is hurting my credit score. Moreover, the payment history is in error and I have tried to dispute with this with XXXX and XXXX but to no avail they did nothing.

Company response to consumer: Closed with explanation