BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-02
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello CFPB, All my XXXX  were drained out of my Coinbase account. Some in XXXX XXXX and the rest in XX/XX/XXXX. 
I have been holding these for the long term and did not log on my account for over a year. 
I would like to obtain some help from your office regarding this case. 
Coinbase is not helping me so I contacted some attorneys but they do not want to take my case which is about {$35000.00} loss as they only take cases for loss greater than {$50000.00}. Also, small claims court only take cases below {$10000.00}. 
So, I am in a limbo as I can not get help from either side. 
I am hoping XXXX can apply some pressure on Coinbase to recover the lost Cryptos that I had entrusted to them for safe-keeping and was holding them for my retirement years, as I am already over 68 years of age. 
Coinbase asked me to check with my wireless provider to see if my phone was hacked. My wireless company ( XXXX XXXX  ) has no record of my cell phone being hacked. 
Is there any government agency that would help smaller investors like me from getting ripped off by shady operations like Coinbase? 
Thanks and regards, XXXX XXXX. 
XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2023-08-21
Company: TMX Finance LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On Thursday XX/XX/2023 I stepped in to the Instaloan branch at XXXX XXXX XXXX, XXXX, FL XXXX. I was asking to switch my loan from one vehicle to another and was told that I would be able to do that. I filled out the paperwork and was advised that I needed to make an interest payment of {$65.00} in order to make the switch but I would get the funds back with the new loan on the new vehicle. After the payment was made and the paperwork was submitted I was then advised that they no longer are able to switch over loans. I requested that my {$65.00} be returned to me, at first I was told they could not return the money. After about an hour of waiting I was advised they would void the transaction and I would have a check cut in 3 business days. It has now been 7 business days and I have not received a follow up call nor has the transaction been voided. I feel this payment was taken under false pretenses and seems like a fraudulent way to do business. Who I believe to be the manager knew that they were no longer able to do these processes and her employee should have been trained on this. I feel taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: ASSOCIATED BANC-CORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
on XX/XX/XXXX my checking account at associated bank had a positive balance of {$62.00} dollars, then on XX/XX/XXXX it has a positive balance of {$22.00}. I know this because I had been transferring money from my savings as the balance was getting low. FOR NO REASON, on XX/XX/XXXX associated bank charged me {$64.00} dollars of OD fees unauthorized as I have overdraft protection set up, first off, and the account balance was not negative, if it was, the overdraft would kick in for the {$110.00} charge that came through. when asked about it, they told me that {$700.00} was overdrawn when that is not even close to the truth. they are fraudulently taking fees from customers unsuspecting accounts to make money. Please see the image. They need to credit back the account and use the overdraft protection as it should be used correctly and not lie about it. I can see exactly when the account went negative and they did on XX/XX/XXXX when I had a positive balance of {$22.00}. They could have moved XXXX  over. no, they lied and charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint Mortgage purchased my home from the XXXX XXXX XXXX on XXXX/XXXX/XXXX. I received a letter from XXXX XXXX stating that it will take from 60 to120 days to review my account XXXX and to just complete the account information sheet that was enclosed therein and return it on XXXX/XXXX/XXXX I received a note stating that I need to pay {$13000.00} by XXXX/XXXX/XXXX or they will foreclose on my home. this is not right they advised me that if there were any past due amount on the ; loan they would place it on the back end of the loan,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Between XX/XX/2018 and XX/XX/2018 your THE XXXX XXXX XXXX XXXX credit cardappears to have been close in my credit score i have never opened this account neither have i closed it.

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 2020-04-14
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
American express has a debt of over XXXX on my credit report that is not mine, and they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
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:
XXXX XXXX, otherwise known as XXXX did a hard inquiry on my credit report today with out my consent. I ordered a replacement credit card from XXXX because my magnet strip was not working on my current XXXX card. This in no way should have made them do a hard inquiry. I have not applied for any other credit card from XXXX nor have I applied for a credit line increase on my current XXXX card.

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 2020-06-03
Company: Experian Information Solutions Inc.
State: AZ
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:
Im disputing XXXX XXXX XXXX collection account that they say Im responsible for. Im also wanting this taken off my credit report from all credit reporting agencies. Im not disputing I once had a contract with XXXX XXXX ( later bought by XXXX ) Im disputing that I had a contract and or account AFTER XX/XX/XXXX when I moved out of the home to Arizona.I canceled my account and had them stop taking their monthly fee from my checking account in XX/XX/XXXX. At that time the account was paid in full and up to date. All equipment was left in the home. I never heard from XXXX again until XX/XX/XXXX, when I got a letter from XXXX XXXX XXXX collection company asking for {$560.00}. I tried looking for XXXX phone number to dispute it on my own but I cant find a company number and all XXXX XXXX had was the original contract from XXXX. Ive also disputed this with Experian, XXXX XXXX and XXXX. I have no bank statements showing money came from my account after XX/XX/XXXX and XXXX XXXX only sent me my original contract with 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 2022-12-21
Company: Bread Financial Holdings, Inc.
State: WA
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 see new inquiry added on XX/XX/XXXX. I did not recognize the inquiry. The new account added to my account on XX/XX/XXXX. I did not recognize the account as well. I do not have the credit card or anything. The inquiry is from XXXX I don't know which compny it is

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX/TransUnion/XXXX  Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the account completely from my Credit Reports : XXXX XXXX Balance : {$25000.00}

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 2023-09-08
Company: Experian Information Solutions Inc.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
I mailed in the IRS forms for the 1096, and 1099C to the IRS as taxable income for this year, ( 2023 ). Therefore, both accounts for the XXXX  XXXX, XXXX, and XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, must cancel the debt ASAP, by deleting the accounts from all credit bureaus that were reported to. 

Per the IRS, tax topic No. 431, of Cancellation of Debt How long does a creditor have to send a 1099-C?

Form 1099-C is a federal tax form required by the IRS. Lenders and other creditors must submit a copy to the agency and to taxpayers whenever they cancel or forgive a debt worth {$600.00} or more. Forms must be sent to taxpayers by XXXX XXXX. 

Is a creditor required to send a 1099-C?

If a debt is owned ( or treated as owned for federal income tax purposes ) by more than one creditor, each creditor that is described under Who Must File, earlier, must issue a Form 1099-C if that creditor 's part of the canceled debt is {$600.00} or more.

What happens if I don't report 1099c?

If you don't report the taxable amount of the canceled debt, the IRS may send you a notice proposing to assess additional tax and may audit your tax return. In addition, the IRS may assess extra tax, penalties, and interest. XX/XX/XXXX Tax Topic No. 431, Canceled Debt It is my responsibility to report the correct taxable amount of canceled debt as income on your tax return for the year in which the cancellation occurred remains, regardless of the accuracy of the Form 1099-C you received.

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 2022-11-01
Company: Experian Information Solutions Inc.
State: TN
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:
In accordance with the Fair Credit Reporting Act ; XXXX XXXXXXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 1604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-03-07
Company: SYNCHRONY FINANCIAL
State: AK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have tried for several years to challenge a letter that XXXX XXXX XXXX has been sending for many years, claiming they I owe money to " Synchrony Bank XXXX ''. 
I have never had an account with any such company, and have made repeated attempts ( see attached ) asking them to verify the debt and demonstrate what services I signed up for that generated this action. 

I have even challenged this thru XXXX, but the answer I always received is " verified ''. 
XXXX XXXX refuses to tell me what the bill is for, and what services generated this debt? 

I have also circled the bottom of the recent XXXX XXXX form, telling me that the bill is past the statute to limitations.

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 2018-06-14
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My spouse and I contacted Quicken Loans for refinancing our current mortgage. We were told that we could only qualify for an FHA loan. They were very pushy about collecting the {$500.00} appraisal fee and warned us that their offer would expire if we didn't pay soon enough. We contacted another lender and were approved for a conventional loan. When we contacted Quicken and told them we were approved with another lender and did not want an FHA loan, they initially said they would review our information and see what could be done. They contacted us again and told us that " no one '' would do a conventional loan because of the small amount ( $ 50K ). The woman LAUGHED at us and said " Well if they ( the other lender ) think they can push this though as a conventional loan, more power to them, but don't be surprised when everything falls apart at the closing. '' We closed with the other lender without any problems. This is predatory lending and pressure tactics, people need to know what Quicken is doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2023-06-22
Company: Experian Information Solutions Inc.
State: AL
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:
In accordance with the Fair Credit Reporting act. The following account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told Experian, XXXX, and XXXX to reinvestigate this accounts. Account name : XXXX : Account XXXX. It was stated everything was complete and accurate. How is this the case when in XX/XX/2022, this account was listed as being paid on time. The following month XX/XX/2022, it was listed as being 90 day delinquent. It can not be reported that I was 90 days delinquent without XXXX or 60 day prior late payments. 

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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. 

This account is not in compliance with the credit reporting guidelines. I have evidence to prove my case

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 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-21
Company: Experian Information Solutions Inc.
State: MI
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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