BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: EQUIFAX, INC.
State: IL
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 have for the past 7 months been sending requests to the CFPB about the inaccurate and incomplete information that continues to remain on my credit file with XXXX. The account XXXX XXXX is ONLY reporting on my XXXX credit file, it is not on any other field. Not only is this account still reporting inaccurate and incomplete information and I have requested this to be updated by the bureaus since XX/XX/2023, but I am also submitting another request. The law states that all information must be complete and accurate and if the request takes more than 30 days the items should be removed from the file. 
The 2nd account is reporting inaccurately and with different dates, different amounts, different notes in the description this is a violation. 
Account : XXXX XXXX XXXX $ XXXX orignal creditor XXXX- DATES ARE DIFFERENT, AMOUNTS ARE DIFFERENT AND THIS ACCOUNT ISNT ON XXXX. Only XXXX and Equifax, this is a violation as all information should be complete and accurate. 
Accounts : XXXX XXXX XXXX {$1500.00} is still also reporting inaccurate information with XXXX and different information with XXXX AND EQUIFAX XXXX this is a violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
On Friday, XX/XX/XXXX at XXXX XXXX EST, I executed a trade of XXXX XXXX  ( XXXX ) tokens using the Coinbase App. At this time the spot price on Coinbase was XXXX USD. As communicated through the Coinbase App, when I agreed to sell my tokens, my portfolio was valued at XXXX, XXXX XXXX. As the transaction was completed moments later, my portfolio, then in USD, was valued at XXXX USD - an evaporation of XXXX, XXX USD having been given XXXX USD per token, while XXXX was still trading north of XXXX higher. I fully understand slippage is to be expected while trading cryptocurrencies, especially on Coinbase, however a delta of north of 20 % is not slippage but an error ( at best ) and one that hopefully is corrected swiftly. I've attached screenshots of the transaction as well as a video illustrating the sudden, instant, drop in my portfolio value. Please see the attached for reference : Image # 1 & # 2 XXXX XXXX XXXX Coinbase Spot Price on two different views showing that at XXXX XXXX  EST, 1 minute after my transaction was executed, the spot price was still XXXX - XXXX USD. Image # 3 & # 4 : My personal Portfolio balance at XXXX XXXX EST on XX/XX/2021 and my personal portfolio balance at XXXX XXXX  EST on XX/XX/2021 after I had sold my XXXX Image # 5 : This video illustrates the above ( similar to Images # 3 & # 4 ) and clearly shows the evaporation for XXXX USD in portfolio balance. 

As for the price getting locked in when I agree to sell, that is my issue. The price which I agreed to sell at was not the price that my XXXX sold at, despite it getting 'locked in '. 

I've recently tried to handle this through CFPB. Coinbase as a response and to seemily try to get me to go away, provided {$200.00} XXXX in the form of Bitcoin for my troubles. Not only is this action arbitrary, it's ridiculous, especially when I had a significant of money stolen from me and their response did not address the information that I laid out in any way. Rather, they repeated themselves and their regurgitated boilerplate responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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:
I disputed a charge with my credit card issuer, Capital One. The disputed charge was for items not received as described/incorrect item, billed on XX/XX/22. for {$380.00}. The merchant from which the item was purchased was XXXX who did not rectify the issue. I filed a dispute with Capital One regarding this transaction on XX/XX/22. On XX/XX/22 I received a letter from Capital One stating that more information was needed as XXXX had reported to Capital One that I had not reached out to XXXX. Capital One requested a copy of the invoice, information/evidence to support how the merchandise ordered differed from what was received, a statement that included the number of times the merchant tried to correct the problem, a description of how I tried to resolve the dispute with the merchant, and finally " a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what it will cost '' to be provided by XX/XX/22. I provided the original order invoice/receipt, a detailed letter outlining why the merchandise I received was incorrect, pictures of the item/how it differs from what I ordered, evidence of correspondence with XXXX, and details of what my interactions with XXXX on XX/XX/22. The only thing I could not provide was the second opinion on company letterhead from a merchant in the same field. This to me is an unreasonable request from a consumer ; how am I expected to have a signed letter from a merchant similar to XXXX on company letterhead to provide a second opinion within 3 weeks? The entire point of the dispute is that Capital One is the second opinion in the matter ; I should not have to provide a second opinion. Capital One responded on XX/XX/22 denying my dispute as it " lacks all of the previous requested information. '' I provided ample evidence of XXXX wrongdoings in the dispute with photographic evidence of the item in question, copies of XXXX policies, and proof that XXXX had lied to Capital One when they stated I had not filed a claim with them. This should be more than enough to validate my dispute and a consumer should not be expected to provide a " second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected, and what it will cost '' as this is unreasonable, especially when considering the merchant in question is an entity such as XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I contacted XXXX  XXXX to let them know was there anything I could do because due to XXXX my job hours were affected and the rep I talked to said they couldn't do anything but on their website, they have a customer assistance impacted by covid but couldn't remove my late payments. XXXX XXXX XXXX XXXX XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, I contacted XXXX  on XXXX to see if i could get my late payments remove and the rep said they will remove all late payments and make all current and paid, XXXX  XXXX : # XXXX  Date Account opened XX/XX/XXXX ; Late payment XX/XX/XXXX, i contacted XXXX and the rep said they will remove and also send an email and i never received the email to confirm and 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 2021-07-02
Company: EQUIFAX, INC.
State: NJ
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 XX/XX/XXXX, Equifax began reporting accounts on my consumer report without my written consent. For over 6 months I have been submitting my request for the accounts below to be removed from my report but Equifax continues to ignore my request : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Bank, XXXX XXXX XXXX XXXX ( in which collection Bureau XXXX XXXX sent a request on XX/XX/XXXX to have this account removed from my report but Equifax continues to say the company certified its accuracy ), Diversified Adjustments, XXXX, & XXXX which was just recently inserted back into my report after it was deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
To start with Both of my bank accounts were compromised. 
The leads that I marked on this thread do not explain my original problem. 
My bank account was closed in XXXX because someone had my information and tried to log in my account in Huntington Bank. ( Huntington said it may have been a man called XXXX XXXX ) So the bank said I have to close my account and they recommended a credit card to be made. 
Bank said that they do not issue any type of investigation. 
The other bank XXXX had a third party entry and it was called XXXX  XXXX. 
I never authorized it, and XXXX bank told me how to remove this online. 

I made a police report and they told me to also contact you and give you the report number of XXXX. 

To add on all of this The XXXX XXXX XXXX which I am a member of and they have all my personal information and bank account information, have been cyber attacked and sent us an email about it. 
They said they are undergoing investigation and never answered my emails about my questions related to my personal information. 

Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: TX
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:
I leased a XXXX XXXX with XXXX ( XXXX XXXX XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, the vehicle was in an accident and was totaled. The lease amount was paid off in full by my insurance company, XXXX, on XX/XX/XXXX, but XXXX reported that my XXXX and XXXX payments were XXXX and XXXX  days past due respectively. Then payments later in XXXX were reported as charge-off, despite the account being paid in full by XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: ALLY FINANCIAL INC.
State: WI
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, this creditor has violated my rights under 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It 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 a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
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: 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 fil ing 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 2023-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
So my online banking has been locked for over 2 years. I lost my wallet which has my credit cards and ID I provide them with the phone number I have on file and they cant verify me. Im XXXX and live far from the bank. I need access to my online banking

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 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
ON XX/XX/2020 I have called Transunion, XXXX AND XXXX SEVERAL TIMES AND REQUESTED THAT ALL FRAUD ALERTS BE REMOVED AND ALSO TO UPDATE MY PERSONAL INFORMATION MY DATE OF BIRTH IS INCORRECT ON MY CREDIT PROFILE

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 2022-05-15
Company: CITIBANK, N.A.
State: NY
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:
On XX/XX/2021 XXXX XXXX XXXX XXXX XXXX pulled a hard credit check on me, which has grossly adversed my XXXXredit score. I have emailed the XXXX XXXX XXXX to inquire why my credit was yet again pulled and to date I have never received a response. I have requested from XXXX proof to show me that states I allowed this particular credit pull. 

My bank explained to me that this pull was a hard credit and significantly dropped my credit score, and therefore they can not offer me a business loan. 

XXXX has impacted my life and destroyed all hope at the moment to receive a business loan. 

I authorized XXXX over a year ago the ability to pull my credit and they pulled my credit then, however I did not give consent for another hard credit pull this past XXXX XXXX has made countless errors with regards to me, and now yet again. 

Please help me get resolution so this hard credit pull can be removed from my records asap. 

Thanks so much! 

XXXX XXXX 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 2020-06-10
Company: Experian Information Solutions Inc.
State: NJ
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: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian will not allow me to cancel my account. It is connected to my work email address, which I no longer have access to. When I email from my personal account, I receive an email response from a do not reply email saying I only have a free account. When I call their customer support there is no option to speak to anyone or cancel my account.

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 2023-11-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself.This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Data and Contact Management Solutions, LLC
State: ME
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My brother passed away and he was billed for medical services that I am disputing. He was hospitalized and I believe Medicare should have paid the bill. I have submitted an appeal to Medicare so this can be re-evaluated for a possible coding error. 

I have been contacted numerous times from DCM Services. I have repeatedly told them I do not legally have access to his assets, and will not be able to file a Small Claims Affidavit until the end of XXXX, in accordance with Arizona law. I sent them a letter explaining this, along with copies of the letters I sent to Medicare and the treating doctor 's billing company. 

I also told her not to call me unless DCM Services became aware of a change in the status of this debt. I continue to receive calls from them, even though they do not have any updates or new information to inform me of. I speak with the same customer service contact- XXXX. She repeatedly says my name incorrectly and also does the same with my deceased brother 's name, in spite of my correcting her numerous times. I'm tired of being called after I have explained I will make sure they get paid if I learn it is a legitimate bill. However, I won't know if I will get legal approval until it goes through the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-14
Company: Experian Information Solutions Inc.
State: MN
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:
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. 

Account Name : XXXX  Account Number:XXXX  Account Name : XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act the following information has violated my rights. 

All of the account information that needs to be deleted/Corrected is listed below! 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 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. Code 1681a - Definitions ; rules of construction - Exclusions. Except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose ALL OF THE INFORMATION BELOW NEED TO BE DELETED/ Updated to on time payments ; Especially these derogatory late payments I am filing a complaint I need all of this information DELETED! 


PERSONAL STATEMENTS : DELETE THIS TOO! 
XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX Total balance : {$680.00} XXXX XXXX XXXX  Original creditor XXXX Acct # XXXX Balance {$680.00} Balance updated XX/XX/XXXX 6 Late payment accounts Total balance : {$81000.00} Student loans Total balance : {$81000.00} DEPT OF ED/XXXXXXXX LATE PAYMENT Acct # XXXX Balance {$2400.00} Balance updated Original bal {$2200.00} XX/XX/XXXX DEPT OF ED/XXXX LATE PAYMENT Acct # XXXX Balance {$3300.00} Balance updated Original bal {$3000.00} XX/XX/XXXX DEPT OF ED/XXXX   LATE PAYMENT Acct # XXXX Balance {$67000.00} Balance updated Original bal {$49000.00} XX/XX/XXXX DEPT OF ED/XXXX  LATE PAYMENT Acct # XXXX Balance {$2800.00} Balance updated XX/XX/XXXX DEPT OF ED/XXXX  LATE PAYMENT Acct # XXXX Balance {$3700.00} Balance updated XX/XX/XXXX DEPT OF EDXXXX Balance Acct # XXXX {$1500.00} Balance updated XX/XX/XXXX U S DEPT OF ED/GSL/ATL POTENTIALLY NEGATIVE Acct # XXXX Balance {$830.00} Balance updated XX/XX/XXXX 2022

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