BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/XXXX, my 2factor stopped working and it was trying to send a sms number to a phone number that does not belong. I called to suspend my account and they did. But little did I know that their support does not respond to tickets. I've read many posts where people have been trying to get their accounts back for months. It's like they are robbing people blind. I'm worried, I'll have the same issues. I've put in 5 tickets, I've emailed over and over asking for a status and I get automated replies like this one today. They do t get back to you in 4-5 days. I want to get my money out and close my account with them. Here are a few emails. I have more with the same jargon. 

From : Coinbase Support XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX  To : Subject : [ Reply ] Case # XXXX - hack Hello XXXX, We received your inquiry, and because you've previously written in about this same issue, we're consolidating your cases into this email thread. We've passed all new information on to an account specialist who is reviewing your case they'll reach out to you here ( review generally takes 4-5 business days ). 

All future questions about this issue should be directed to this email thread so that our account specialist can better support you. 

Thanks, Coinbase Support ref : XXXX : ref There help center is no help for those who are locked out From : Coinbase Support <help@coinbase.com> Sent : Friday, XX/XX/XXXX XXXX XXXX  Subject : Case # XXXX - Account Hello, Thanks for submitting your request to Coinbase Support. We're here to help and will be in touch as soon as possible. 

In the meantime, you can find answers to many of your questions by visiting our Help Center. 

Regards, Coinbase Support ref : XXXX : ref XXXX Coinbase www.coinbase.com | Help Center | User Agreement and Privacy Policy Sent : Friday, XX/XX/XXXX XXXX XXXX  To : Coinbase Support <help@coinbase.com> Subject : Re : [ Reply ] Case # XXXX - Hacked By chance is there an update regarding my account and when I can get back in to assess damages myself, if any? 

Thanks, XXXX From : XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX  To : Coinbase Support <help@coinbase.com> Subject : Re : [ Reply ] Case # XXXX - Hacked Thank you From : Coinbase Support <help@coinbase.com> Sent : Monday, XX/XX/XXXX XXXX XXXX  Subject : [ Reply ] Case # XXXX - Hacked Hi XXXX, Thanks for reaching out. Having investigated the issue, we are working with a specialist to address it properly. We will follow-up with you as soon as we have an update. 

Thank you for your patience. 

Kind regards, Coinbase Support ref : XXXX : ref

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-06
Company: Block, Inc.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi, Today I received a debit card through the mail from Square. The debit card was in my name and registered to a business XXXX. I called Square and they have cancelled the card and suggested I alert law enforcement. I was given an email of XXXX for any necessary support in the investigation. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: EQUIFAX, 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 went to check my credit report after almost a year, I am seeing that a number of unrelated accounts that are definitely identity theft are showing up and affecting my credit score. I was never called or contacted about these accounts that I never opened but they are on my account and affecting my credit badly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had made a payment on my due date but after the cut off time to be posted on the due date. I had never been late before and hence never requested the refund of the late fee. I have been furloughed due to XXXX and was trying to explain it to the customer service representative and the supervisor. The were not understanding and been rude about that they cant do anything about the refund. Additional to that I have been charged the minimum interest charge of XXXX cents each month ever since starting XX/XX/XXXX. Was trying to explain it to service representative but was getting something about that i get charged the fee no matter what because of the transaction I made. I told the representative I did a balance transfer and had not done any purchases ever since and was meeting my minimum payment requirement and hence should not had been charged the fee especially if I am paying the amount in full by the due date. The supervisor was flat out rude and the service representative was asking why do I want the refund of late fee? Really? Why do one even ask for a late fee refund? What kind of question it is? The late fee was charged on XX/XX/XXXX. The additional minimum interest charge was charged on the account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I had called in XXXX twice. The second time was on XX/XX/XXXX at XXXXXXXX XXXX, XX/XX/XXXX at XXXXXXXX XXXX. I would like to get the refund of {$29.00} late fee and the minimum interest charge fees of {$1.00} as the representative could let even explain how and why did I got fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
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:
I submitted A dispute prior with all 3 consumer reporting agencies several times in regards to the " XXXX XXXX XXXX  XXXX '' that appears on my credit report with A balance of XXXX. All 3 consumer agencies updated the account with disputed but did not remove the account. When I received the updated report in the mail it had this account came back as " Verified ''. I then reached out to XXXX XXXX XXXX card directly and they informed me they had not received the prior disputes from the consumer agencies. They then opened there own investigation and determined this account was NOT my account and in fact A fraud account. I am wondering how was all 3 consumer agencies able to " VERIFY '' an account that the company itself is saying is invalid and fraud? : I went onto the XXXX  website and could not submit documentation because it still says under investigation. However transunion  and XXXX  both say online that I am unable to dispute the information again due to the prior disputes. I have attached the letter I reached on XX/XX/20 from XXXX XXXX XXXX  card advising and confirming that the account was fraud and did not belong to me. They also advised they will remove any reporting from all 3 consumer reporting agencies within 45 days. I should not have to wait on this company to reach out to remove this fraud account when I have submitted several disputes and the consumer agencies failed to properly veriy the account according to the FCRA. I am also requesting that all 3 consumer reporting agencies have my name listed correctly as XXXX XXXX as I have sent my drivers license and social several times to have my personal information updated. My last name is no longer 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 2020-07-30
Company: EQUIFAX, INC.
State: AR
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 identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$830.00} XXXX XXXX {$710.00} XXXX  XXXX {$130.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have repeatedly contacted Chase Bank regarding an ongoing issue where they automatically deduct {$300.00} from my checking account and transfer it to my investment account, despite my explicit request to stop this auto-debit arrangement. I have spoken to over 18 employees across multiple calls, yet none of them have been able to rectify the issue. The auto-debits occur every two weeks, causing my account to be overdrawn on several occasions. I have not authorized any recurring payments, and there is no reason for Chase to continue withdrawing funds without my consent. Despite my numerous attempts to have this issue resolved, Chase has refused to stop the unauthorized transfers. i do not want the accounts closed, i just want the auto debits ended. 

account ending in XXXX is the account in question.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: Kriya Capital, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credence Resource Management is trying to collect a debt " on behalf '' of XXXX XXXX from me. This alleged debt is over five years old, so it doesn't look familiar to me. I am not claiming that this alleged debt is fraud or identity theft. I informed Credence Resource Management that I will pay the debt if it is rightfully mine and to validate the debt by sending me the original contract between me and XXXX XXXX with my original signature on it. I also asked that Credence Resource Management confirm that they have legal right to collect on this alleged debt. Credence Resource Management has not sent any documentation with my signature on it nor have they sent me proof that they have legal right to collect on this alleged debt. I have requested this information from Credence Resource Management on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and they have not validated this debt. I have also requested that this alleged debt be validated by XXXX and XXXX twice. I was told by XXXX that the collection agency does not have to provide any information to them and all that is required by the collection agency is their signature stating that what they are reporting is accurate and true. This debt has not been properly validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: SYNCHRONY FINANCIAL
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: Information belongs to someone else

Complaint:
I received an e-mail saying a new negative item was now impacting my credit score. I logged in and checked and it was a balance from a collection agency for an amount of {$680.00}. I asked for the item to be disputed ( with XXXX ) and they did so, but in a short time confirmed it was my information. I tried to file a police report but the police still have not returned my calls. XXXX  doesnt seem concerned that Im telling them that the person who used my info to get approved for this card was not me. I told the collection agency that this isnt me. They agreed that it looked suspicious that it was not my address on the account. I still have not heard back from XXXX XXXX XXXX. My previous employer, XXXX XXXX XXXX lost my personal information due to a data breach. During the year of 2021 I had the credit reporting agencies lock my social security number with a fraud alert.

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 2020-11-26
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I sent a Dispute for those accounts that inaccurate and unknown on my credit report. But over 30 Days no response yet. I was a victim of the Equifax Data breach. Delete ASAP those accounts or I will file litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
An individual tries to sell me information on gaining unclaimed money from the government. This individual has begin sending me checks for deposit which I refuse to deposit and bank. I have no credits or financial bank with the XXXX XXXX XXXX. My bank is external secure and local.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30
Company: Transform Credit Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
On XX/XX/2022 at XXXX XXXXXXXX XXXX I was offered a loan and promissory note. I read I did notice the part about my guarantor. However I said nothing about guarantor signing a separate promissory note. To me this appears as though this lender is attempting to receive 2 ( two ) signed financial instruments as of it were two separate loans on one side and one loan out here in the public. I wasn't comfortable for this reason as well as I'm not going to be surety on a loan that is to be deposited into someone else 's account regardless who my guarantor is. I highly doubt you would either. Now that they have my signed promissory note " witch is considered as currency by XXXX and the Federal reserve. So in my eyes there had not been an even exchange. No equity. This is fraud. I want full legal recourse and remedy to the fullest extent of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX I called Capital one about few charges in my account that was not mine.. I went through all charges and had credit of {$330.00} ... some of the credits came off of my account but not all. I got this card to rebuild my credit. I have made payments on time and even got higher spending limit. I have received my new card. Online it shows my card as not having available credit. I told the lady in the phone what was going on. My info, cards, checking was being used by someone other then me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: AZ
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:
OUR COMPLAINT in accordance with the fair credit reporting act XXXX  Account # XXXX XXXX  late payments on : XXXX XX/XX/22 has violated my rights. 15USC 1681 section 604 sates I have the right to privacy. 15USC 1681 section 604A section 2 : its also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose Hide

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 2023-08-31
Company: EQUIFAX, INC.
State: IL
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:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Beginning on XX/XX/XXXX, I received a letter from the XXXX XXXX XXXX XXXX XXXX claiming I owed a past due payment I was never aware of in the amount of {$220.00} with a late fee included of {$25.00}. The XXXX XXXX XXXX XXXX XXXX also claimed and threatened that they could proceed with the Treasury Offset program and/or other collection action if I did not abide by their Voluntary Repayment Agreement. They never stopped sending statements and making claims of putting the account to the Treasury Offset Program, as well as increasing the XXXX they had set at 1 % and increased to 7 %. On XX/XX/XXXX, I received a letter from Transworld Systems Inc. ( TSI ), this letter claimed that I initially owed {$200.00} on XXXX XXXX, but they added on : an interest fee of {$1.00}, a fee of {$68.00} and totaled to {$270.00}. The letter that TSI did not coincide with the statements that XXXX XXXX XXXX XXXX XXXX had been sending. On XX/XX/XXXX, a full payment of {$240.00} was made from the Internal Revenue Service ( IRS ) to XXXX XXXX XXXX XXXX XXXX through the Treasury Offset program. However, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX and TSI has not stopped sending letters with the wrong amounts they claim I owed. On XX/XX/XXXX, the exchange sent a statement claiming it still owed {$220.00} and of course they have received a larger amount from the Treasury Offset Program. To make matters worse, the exchange has not been in contact with TSI to update them that the account has been paid. On XX/XX/XXXX, TSI sent a letter making false claims that the amount owed has not been paid off. TSI has also stated that they have been contracted by the Exchange to initiate an Administrative Wage Garnishment as a threat for not having paid this threat even though it has been paid. 
The XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to update this account and TSI that it has been paid off by the method of Treasury Offset program. The XXXXXXXX XXXX XXXX XXXX XXXX has also failed to send a statement stating that this account has been paid off and has taken more money than what was owed. Furthermore, the XXXXXXXX XXXX XXXX XXXXXXXX XXXX has failed to stop all notifications even though this debt was submitted to the Treasury Offset program and has continuously been a nuisance along TSI. It was stated in their letter sent on XX/XX/XXXX, that no notice will be given before I am offset, but that is not the case because the XXXX has contracted TSI to continue sending letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, # XXXX XXXX  XXXX XXXX, # XXXX XXXX  XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
We wrote a check to one of our vendors in the amount of {$1200.00}. on XX/XX/21. This check was intercepted and washed, the name of the payee and dollar amounts were removed and the check was altered to {$14000.00}. to a persons name. We filed a claim for Fraud on XX/XX/21, and to date Chase has informed us XXXX XXXX XXXX is investigating the claim and they are awaiting XXXX response. XXXX has been investigating the claim for over 1 year now, I don't know who is giving me true information because XXXX will not update me and Chase really doesn't either. I am being told it is still under investigation, I think there has been enough time to investigate, we really would like to have our {$14000.00}. Refunded.

Company response to consumer: Closed with explanation