BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$3000.00}, {$8000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNTS 1. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3200.00} -This is not my account. 

2. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$3000.00} -This is not my account. 

3. XXXX/XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8000.00} -This is not 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 2022-03-12
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
there needs to be a investigation on this company for not providing sufficient unfair practices when it comes to making payments apparently XXXX XXXX  payments that they work with makes it very difficult to actually make the payment for the vehicle Im getting interest accrued on a vehicle in late on payments due to them lacking and providing sufficient services to make this payment online I would like to file a complaint and pursue a potential lawsuit as well this company should not even be in business if they can not even provide sufficient ways of paying the bill in the first place so the unjustifiably charging me interest daily on a vehicle that I will never pay off just because they can not provide me a fair way of paying this bill without giving my bank information they also fail to give me the best customer service Santander consumer USA should go out of business Ill be put out of business

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I've contacted self multiple times I can never get the fraud department on the phone to even begin to handle this claim. this is not my credit builder account I've never used my my credit until now. My wallet was stolen & i had multiple accounts & I've had bills put in my name in city I've never lived in credit cards & loans all under my name using my info. I have proof of where I was living at the time this account with self was open. I have no knowledge of this company or never inquired for they service. All the accounts that were open around that time was not verified so how is self verifying I keep asking for proof of the investigation yet still nothing they are not responding. Ive asked for proof of the investigation plenty of time & was told at first I was not entitled to then it was they don't have it they just keeps coming up with excuses they saying they've been contacting me so I asked what number & email it wasn't even my phone number or email. they continue to hang up in my face I've provided everything they are committing violation violation violation all the inaccurate credit reporting is messing with my health. I HAVE DOCUMENTS BELOW MY DL OF MY HOME WHERE I WAS LIVING A BILL A POLICE REPORT ID AFFIDAVIT ALONG WITH IN THE INACCURATE CREDIT REPORTING. I

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 2023-05-05
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
I opened up a Coinbase account some time ago ( more than 2 years ) and used their service to create my own personal Wallet linked to my Coinbase account. I have about {$980.00} in USD Coin in my wallet that I want to send back to my Coinbase account and there are a couple of problems. The instructions for doing so are confusing and the Coinbase help seems like a chatbot that is not very helpful and the instruction document referred to by Coinbase points to something that may or may not be related to my Coinbase account. To make matters worse, I am being asked to buy anywhere from {$40.00} to {$80.00} of ETH for gas fees to make the transaction ( of less than {$1000.00} worth of XXXX  ). After I get the XXXX back into my Coinbase account who knows how much I will be charged to convert it back to real US Dollars and send it back to my regular US Dollar deposit account at XXXX. These are usurious charges that make the whole enterprise seem like a scam. Thank you for your attention to this matter. 
Cheers, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: Axela Technologies, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company is trying to charge me excessive amount of late fees and additional administrative costs to pay off this debt and continues to charge monthly additional fees on top of the debt... I do not have any agreement in writing or they do not have an agreement that verify the validity of the debt in the first place. They can not prove that I agreed to anything. They do not have this paperwork that they can furnish i have asked for it. Please help me to stop this collection agency from these false claims and erroneous charges. I will be charged XXXX a month until it is paid according to them and the XXXX association who i tried to call today to clear this up and they said there is nothing they can so to help me out.. They also continue to increase the XXXX fees every year.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-14
Company: Coinbase, Inc.
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I used a company called Coinbase to purchase {$100.00} of bitcoin back in XX/XX/XXXX. Bitcoin was trading around XXXX when I purchased it. After a couple weeks it more than doubled and there was almost {$300.00} in my account. This is when everything started to go wrong. They literally will not let me cash my money out. I have transferred my Bitcoin to the " XXXX XXXX XXXX  '' as instructed. They approve the withdrawal and then ask for documents to confirm identity. Every time I would submit documents to finally get the money there would be unknown errors and other issues with the technology. Ive tried by cell phone and personal computer. It was very easy to submit these documents when I deposited the money. I have send dozens of emails and called the number which no one has ever answered. The email responses are automated and are unhelpful. 

On Wednesday, XX/XX/XXXX, I tried to submit another request to get my money and close the account. I again transferred the money and submitted withdrawal requests. This time I sent a nasty email that said to close my account and give me the money I just withdrew. I received a response that just said, " we closed your account ''. So now my account is closed. I have no access. My money is still in there. They are ignoring all my additional emails and cries for help. This company is the most unethical banking organization I've ever dealt with ( which says a lot ). These evil people only help when you want to deposit money. Everytime I try to withdrawal there is an error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 


INSTITUTION : XXXX XXXX XXXX XXXX ACCOUNT HOLDER NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX 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.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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a 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 2022-02-16
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Sunday XX/XX/XXXX my Venmo account with {$4000.00} saved in it was frozen for no apparent reason. I had made a payment which I thought would be taken out of my Venmo balance, however it didnt. I then tried to transfer money to my bank to cover the cost of payment. At that time my account froze. I need this account, I needed these funds for payments and bills. I have contacted numerous times, I have been hung up, I have been told they have no idea. My ID had been verified already. I have now been in limbo for 4 days with zero response. I just dont understand what has happened and how they can make it to where I can not use my own money. I am able to transfer my funds out to my personal bank account. My money that I needed is frozen. I do not owe Venmo anything and the only response I have gotten is only an account specialist can help and they will contact you with in 2-3 days. This was on Sunday.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Love, Beal & Nixon, P.C.
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX I was served a summons for payment on a debt. I signed and agreed. 
In XXXX of XXXX, I agreed to making payments to company. The judge agreed and signed off on payments. I paid every month. The company never responded to payments made online on their website and they did not give receipts. Court papers show payments were made in the amount of total {$300.00} on an {$1100.00} debt. 

XXXX the company started a garnishment on my wages stating I now owed XXXX. This was not reflecting the {$300.00} paid. They garnished my pay for the total amount including my bank account and job paycheck. The document states " Plantiff is NOT seeking continuous garnishment '' XXXX The company garnished again for {$540.00} XXXX after all debt was paid, the company garnished another {$570.00} with no explanation nor communication to me. They just took the money after the debt was settled and done. 

XX/XX/XXXX Now I have received a statement from my new job that they are garnishing again for another {$820.00}. They have no contacted me nor tried to settle any additional debt, but now this document reads " Plantiff is seeking continuing garnishment ''. The debt they have previously garnished has more than enough settled the original debt but they have not closed the debt or account and continue to garnish my accounts every year for the same debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX I made a payment of {$200.00} dollars to Sears Citi Bank Credit card.. then on the XXXX of XXXX the company processed an unauthorized payment of {$330.00}. I've been calling since the XXXX. Each time I've called I've received the answer of its been investigated. Will take 5 days for that. I call back after five days. And I get an answer it's being processed.. a refund is being sent back to the banking account. I have called over several days to be exact.. 10 calls since the XXXX. I've been disconnected or put on hold for 45 mins then disconnected. Now I've received an email stating ... " Great news your request for an electronic refunds will be deposited into your bank account within 1-2 business days and no further action is required '' .. after 3 business days I contacted the credit card company. I was told that email was to inform me it was being sent to be investigated. I read the email back to the agent. In two seconds she disconnected the call. After being on hold for 45 mins. So I called back and I was told a check was sent to the bank.. nothing was received and my bank. So then I was put on hold for a supervisor which refused to speak to me. So I asked to be transferred to a supervisor in the USA. After 35 mins.. I spike to supposed supervisor. She then said I had called and canceled the refund to the bank. I then read her the email for the refund. And also told the day I called about the unauthorized payment was to find out where and when will the refund be returned into bank account. Why would I cancel the request and then receive the email..and why would I have been calling after the request was canceled. I told each individual I've spoken to.. '' why was this payment processed without my consent..even after I've a payment. I get no responce. So Monday the XX/XX/21 I called and requesteda supervisor from the US..again 50 mins later I get the supervisor.. he says it should have been processed. So I verified account number and routing number. He said it was correct. And now he had to file an investigation to see why the refund had not been processed. So another 5 business days for that. I've been in the runaround with this company. It didn't take them a month to remove the funds from the bank..and shouldn't take a month to return it. I've been told so many reasons it will be refunded and it's been thru 4 investigated processes. I'm at my wit 's end with Sears Citi bank 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, 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 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 2023-06-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I would like to explain that I deliberating between two programs, and I couldn't accept both. One was a modification with my current servicer, and the other was GA Assistance Home Modification that my Servicer Recomended. 
I am process in getting the paperwork from my daughter at this time regaurding her XXXX so that I could provide GA with Paperwork. This a work in progress. Below I have attached my report for your records, inicating why there is delay. 
During Covid I had a hard time renting my home due to covid restrictions, and lack of internet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: Experian Information Solutions Inc.
State: CA
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. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # 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 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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been working on my XXXX credit profile and I noticed there is an incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. 

The INCORRECT Address that should be deleted is XXXX XXXX XXXX XXXX XXXX, GA XXXX and there is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. 
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, XXXX, and TransUnion ) do not have my written permission and this should be removed accordingly. 

I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. 

I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
The following accounts are not mines and nor do I have any knowledge of these accounts. I'm asking that the following accounts be blocked from my credit report, ( 1 ) XXXX XXXX, ( 2 ) XXXX XXXX XXXX, ( 3 ) 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 2019-10-11
Company: WELLS FARGO & COMPANY
State: TN
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:
In XXXX of 2019 I contacted Wells Fargo Dealer services to resolve a long outstanding debt. They informed me that the statue of limitations had expired and that they would be doing a write off / charge off of this debt. During XXXX of 2019 there were some changes reflected on my credit bureau reports but there remained some inaccuracies. I disputed those with the bureaus as they were showing incorrectly. On XX/XX/2019 I received alerts from all three bureau 's as to changes to my reports. Upon investigation now ALL THREE bureaus are reflecting incorrect information. I called Wells Fargo Dealer services today and they state that the accounts are closed and with zero balance. ALL THREE of my reports show one account as still open and both accounts with outstanding balances. 

I am currently under contract to build a home. If this inaccurate reporting is not corrected I will have to pay higher interest rates and suffer financial damages from this inaccurate reporting. I have filed multiple disputes with all three bureaus over the previous months and yet this incorrect information has not been corrected.

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