BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-25
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, I purchased XXXX worth of Tether on the Coinbase app. 
I then had Coinbase to wire the Tether to a trading platform : XXXX  XXXX On XX/XX/XXXX, I learned that the website was a fake trading platform. Very sophisticated, but fake. I had done previous trades and money wires the week of XX/XX/XXXX from this very same platform/website, so I thought the trading website was legit. 

After wanting to withdraw my money from the platform is when they showed it was a scam. They would not release my initial deposit. 

I contacted Coinbase, this was the response : they knew who the money went to and had the blockchain information. They said I should always know who I'm sending my money to and that they could not help me get my money back. 

Signing up with Coinbase, I did not know that I would be able to send my tether or bitcoin to a fraudulent person or company. I felt protected and did not know fake companies could sign up to do business with Coinbase. As a consumer and customer of Coinbase that is based in the US I had no doubt that they would not protect my virtual currency. They are the experts not me, I had no idea anyone could claim to be a trading website and receive monetary transfers from legitimate companies like Coinbase. Coinbase is assisting with money laundering scams and fraud. 

Now the trading site has been taken down. None of my money has been returned. 
I have contacted government agencies and no one has responded with any helpful plan of action. Its very unfair and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions Inc.
State: CA
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:
Account name XXXX XXXX  Account number XXXX Account type Auto Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$9.00}, XXXX written off. {$9.00}, XXXX past due as of XX/XX/XXXX Status updated XX/XX/XXXX Balance {$9600.00} Balance updated XX/XX/XXXX Recent payment $ XXXX Monthly payment {$650.00} Original balance {$12000.00} Highest balance {$0.00} Terms 42 Months On record until XX/XX/XXXX ( IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX  ACCOUNT 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 166b A Creditor May not treat a payment on a credit card account under an open consumer credit plan as late for any reason.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: OR
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2018-02-15
Company: SYNCHRONY FINANCIAL
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My pay was garnished by XXXX XXXX XXXX on behalf of XXXX XXXX for the full amount of money I owed on a debt from XX/XX/2012. I was out on XXXX during the garnishment period and this money was paid from my short term XXXX benefits. While I am relieved to complete payments on a debt I rightfully owe, the original creditor is still reporting my account as unpaid on my credit reports. 

I have tried contacting the bank customer service with no success. I also disputed the account with the credit bureaus but they are verifying the debt as accurate. I did not receive a garnishment release although they stopped taking my pay.

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 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate account. 
See the documents attached.

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 2022-11-08
Company: Grain Technology, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have not been able to login to my account since XX/XX/XXXX. I have complained about this repeatedly to no avail. In the interim, I have not been able to make a payment and now I am faced with a late payment fee and a negative mark on my credit report that is not my fault. 
I have contacted the company requesting that this fix on this matter at least ten ( 10 ) times, including XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, etc., and I have received either auto responses or promises that the situation would be successfully addressed but nothing has been done.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: OH
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 checked my Equifax credit report and found some unauthorized inquiries on my credit report. I reached out to the companies and they didn't have any information on why the inquiries were filed on my report. Then I reached out to Equifax to correct my report and they said I have to file a report with the FTC. the FTC referred me to go to the cfpb because they are responsible for credit reporting fraud. I would like these inquiries removed off of my report immediately. 

XXXX. XXXX BANK XX/XX/2022 XXXX. XXXX XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: EQUIFAX, INC.
State: TX
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 XXXX pulled my credit and I never authorized this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account # XXXX, XXXXXXXX Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Fin Account XXXX XXXX, XXXX  Account # XXXX, XXXX XXXX  Svc Account # XXXX, XXXX XXXX Bank Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX and XXXX XXXX XXXX Account 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 XXXX : 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 non-monetary relief
Consumer complaint received 2022-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My tax return was suppose to be direct deposited and so I made a couple of payments on my Kohls card but they were returned, then Kohls did not even reach out to me I have checked my voice messages and email and instead put a freeze on my card. I noticed all today and called customer service immediately to tell them what happened and let them know I am work a lot of OT at XXXX XXXX XXXX IL XXXX and would be paying the card off in full starting on XX/XX/XXXX and then twice monthly. The girl then transferred me and then some guy answered and made me go through the entire explanation AGAIN and he then said they had put a freeze on the card balance is about {$2200.00} and he said I had to pay over half of it by XX/XX/10 or they would shut the card down!! I told him I need more time and asked for the corporate number and that I will shut it down myself based on how they have treated me after my being with them over two years and spending do much and always paying on time!! He said he could not give me the corporate number so I told him I would contact them through your office!!! I looked online and none of the corporate numbers work!! They have horrible reviews many having some of the same issues I am, plus billing errors, coupon errors, junk products, return issues, missing refunds, etc. XXXX also gave me a negative remark on my credit reports trying to ruin my credit as they have others!! I need two months to pay off my balance then I want the card closed at my request due to the way I was treated and will never do business with them again and tell all I know to do the same and I know a lot of people have worked in government and investment banking most of my career!! It is no wonder they are ready to go under as the news and XXXX report!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-17
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Originally I was a Suntrust customer. I continued to utilize my cards. One personal credit card the other business. Truist became the new bank which held now held my accounts. When I went on line to pay my personal card I realize that my Business card was not coming showing. Contacting them, they could not find my information. My business card had XXXX bal. and would not expire until XX/XX/XXXX. I assumed they closed my account. Nothing in writing from them. So I never used the card again, The only card I continue to use was my personal credit card... In the month of XX/XX/XXXX I realized another account was showing with a different number with an outstanding balance of {$190.00}. I contacted them immediately. They claimed it was related to my business card and that amount reflected interest charges from an outstanding balance. When I ask them what purchased was made, they could not retrieve the information. Let me just say my last purchase on that card before it disappeared was for approx. {$14.00} XXXX of XXXX. Secondly the address attached to that outstanding bill was my old address that I had not lived at since XXXX of XXXX. All my statements had been sent to my new address when I made the move when it was still Suntrust. I have been battling this since XX/XX/XXXX. I closed my personal account because of my lack of confidence in this institution. Recently I had a collection agency contact me associated with that account. She said she would provide the information associated with that outstanding debt and mail it to me. In the meantime I get a email from Truist with an on line statement. Logging in I see that not only is that outstanding balance still on there but now it had increased to {$2100.00}. How is that possible? After filing this with their Fraud department, they came back with no resolve. Where is my business credit card and information Truist? It is impossible to reach anyone there. I would like this cleared up and this resolved. Something went awry with the change of hands.

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 2022-11-08
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am reaching out because I have an inaccurate item on my credit and it does not belong to me and I would like it to removed because it does not belong to me In accordance with Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: GA
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:
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. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: EQUIFAX, INC.
State: VA
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: Investigation took more than 30 days

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. 

FOR EQUIFAX 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 15 USC 1681 Section 602 A- States I have the right to privacy.

15 USC 1681 Section 604 A-It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC. ( a ) ( 5 ) Section states : No consumer reporting agency may take any consumer report containing any of the following items of information. Any other adverse item of information, other than records or convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-12
Company: Experian Information Solutions 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:
XXXX XXXXXXXX # XXXX, who has a consent order for failure to report accurate information is reporting my information incorrectly to Experian, XXXX, and XXXX. I have contacted the bureaus, but they merely rely on the E Oscar XXXX and never do an investigation which is my right under the FCRA. Instead, they just delete data fields or say they have already investigated it. As we know, the credit bureaus must report 100 percent accurate information. So, how can all three bureaus have different information and it be verified at the same time? This is not accurate. Additionally, XXXX, XXXX, and Experian has reported differently. For instance there Updates are not reported the same as they should. XXXX has charge off, XXXX has charge off as bad debt, Experian has unpaid paid balance reported as a loss by creditor grantor. Closed Date ; XXXX has none, XXXX has XX/XX/2021, Experian has none. Balances : is reported wrong XXXX has none, XXXX has {$320.00}, Experian has no balance. I want this deleted from all three credit bureaus as they have violated my rights by reporting inaccurate information and have caused financial harm because of it. In accordance with the FCRA, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 1692. Account Name # XXXX XXXX XXXX. 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 ) States : No consumer 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 7 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. 15 U.S. Code 1692c 15 U.S. Code 1692b ( 3 ) 15 U.S. Code 1692b ( 4 ) 15 U.S. Code 1692b ( 5 )

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 2023-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 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 : 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 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