BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-21
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I discovered that my Coinbase and Coinbase-XXXX accounts had been compromised, and all available funds ( about {$21000.00} ), were taken. As there are no phone numbers to call, I promptly reported the incident on Coinbases website and received an email notifying me that my complaint was recorder as Case # XXXX ( Exhibit XXXX ). 

On XX/XX/2021, I received an email from Coinbase with the subject ; Case # XXXX - Complaint # XXXX, indicating that on XX/XX/2021, an email was sent to me requesting to reset my password ( Exhibit 2 ). I never received such request.

It has been almost five months, getting close to half a year, since the incident was reported, and no resolution has been provided. The financial implications of the go beyond the loss of the account funds, as a result I will be facing are tax liabilities as well.

I recently learned that Coinbase publicly acknowledged that at least 6,000 accounts were hacked due to a flaw in an internal process, and their funds were stolen during the time and in a manner like how my account was compromised ( Exhibit 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
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:
Contacted credit bureau and creditors multiple times about these accounts and they still refuse to do and investigation. I'm requesting a investigation to be done or else remove accounts from my reports.

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 2021-10-21
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF IDENTITY THEFT. AMEX, XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I bought an American Express gift card at XXXX and had it activated so I can purchase something on the XXXX online store. It allowed me to enter the card information, but when I tried to purchase what I wanted, it declined the card because the merchant couldn't authorize it. I tried the card again at a few different places and discovered I couldn't use it anywhere. So I wasted money on a {XXXX} gift card that doesn't even work and I want my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$820.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX  XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-03-16
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, Transunion and XXXX are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX  XXXX - XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete 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 non-monetary relief
Consumer complaint received 2022-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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: Overcharged for something you did purchase with the card

Complaint:
I was forcibly charged at an airport in a third country where the only choices I had was to pay unreasonable fees or lose my belongings. Below is the full story : I & my wife arrived from XXXX XXXX to XXXX on XXXX XXXX by XXXX XXXX XXXX, XXXX  XXXX. I booked XXXX baggage transfer facility at Terminal 1 for loading on XXXX flight XXXX for myself & my wifes travel to XXXX vide XXXX  no. XXXX. I had excess baggage of XXXX for which I was charged AED XXXX ( Charge of XXXX ) 1 ) Customer is allowed to book baggage upto two hours as per screen shot below. I had spoken to XXXX XXXX as per the time stamp of XXXX GST ( XXXX XXXX ) on XXXX receipt while departure time was XXXX XXXX ( XXXX XXXX ) as per screen shot ( Attachment A ) 2 ) As per XXXX website the price per kg from XXXX XXXX XXXX XXXX XXXX per kg when booked at airport while from XXXX to XXXX is not mentioned as per screen shot below from the website ( Attachment B ) Charges for excess baggage from various international location to XXXX is not published XXXX This is violation of the principle of transparency in pricing and fairness in general Attachments a ) Website screenshot showing luggage can be booked 2 hrs in advance b ) Price per kg as per the airline baggage policy c ) Emirates boarding pass of XXXX to XXXX XXXX ( XXXX XXXX ) & XXXX XXXX ( XXXX XXXX ) and Merchant slip showing charges in AED d ) XXXX Receipt

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: Lending Club Corp
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Below is my previous complaint ( XXXX ) about this issue. Despite the claim by Lending Club in their resolution that a new check will be sent out to the address they have on file, to this day I still have not received the check. I do not know what happened to the check, but the address they claimed they sent it to is correct and I have been pretty carefully checking my mail for this particular item. And again after trying to go through customer service via email, they want me to call and explain my situation after thoroughly explaining it through email. Through past experiences, I know this will take hours of my personal time, which is too valuable to waste explaining something that I already have multiple times to the same company. All I want, again, is for this check to arrive so I can be done corresponding with this company for good. 


PREVIOUS COMPLAINT : " On XX/XX/XXXX, I paid off a personal loan with Lending Club. I received an email around the beginning of XXXX from Lending Club stating that after an audit of my account, I was owed a refund of {$300.00} due to overpayment on my payoff, and that the refund will come in the form of a check sent to the address they had on file, which was still my current address. Then on XX/XX/XXXX, I received another email saying : Your refund of {$300.00} will be issued to the address we have on file for you or to an updated address identified for you based on information from the US Postal Service, and you should expect to see that soon. We will move as quickly as we can to issue your refund check, but it could take several weeks after that date for you to receive your check. We do expect that your check will be sent no later than XX/XX/XXXX. As of this complaint, I have yet to receive a check. I have attempted to contact Lending Club a few times thru email, and they request that I call. After speaking with a representative on the phone, they said they would have a manager call me back. This call back never happened. After dealing with this for many hours, I feel I have to come here hoping for a resolution. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: Experian Information Solutions Inc.
State: FL
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, XXXX and Experian are still violating my rights and hurting my ability to obtain credit by reporting inaccurate information on my credit report. They have failed to provide any proof I owe this company. Once again please provide the original purchase agreement with my signature that shows XXXX  XXXX - XXXX are the legal owner of this alleged debt including all the terms and conditions that are included in the purchase agreement, original application and all statements from open to close and the original agreement between me and XXXX XXXX with my signature, the names, addresses and telephone numbers of the individuals that the credit bureaus contacted during their investigation for XXXX  XXXX. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be reinvestigated or deleted from my credit record within 15 days. During the reinvestigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. If XXXX XXXX can not provide requested information the credit bureaus must delete 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 2021-10-08
Company: CURO Intermediate Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The information on my credit report is inaccurate. The address is incorrect, and the dates are also incorrect. Someone has compromised my ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Mr. Cooper Group Inc.
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX XX/XX/2022, {$870.00} added {$25.00} making it XXXX. 

wanted to inquire about payoff amount, was told it would be a {$25.00} fee, declined. However the rep submitted it. I now have a {$25.00} fee attached to my payment. I have not paid yet. 

When I saw this I called in and was told a manager would contact me I had no such call. 

XXXX XX/XX/2022, I called in again, rep said that it should not have happened. Supervisor was to join us, but then was told I would be contacted in 24 to 48 hours. 

Still no contact from Nation Start, dba Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TO WHOM IT MAY CONCERN I AM WRITING IN REGARDS TO THE UNAUTHORIZED AND INACCURATE CREDIT OR DEBIT CARD DEBT THAT IS REPORTING ON MY XXXX  CREDIT REPORT AND I WOULD LIKE FOR THE INACCURATE AND UNAUTHORIZED ACCOUNT TO BE REMOVED FROM 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 monetary relief
Consumer complaint received 2022-11-15
Company: Chime Financial Inc
State: GA
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:
Chime Financial Inc Consumer Complaint Division XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX To whom it may concern : XXXX XXXX Email : XXXX Re : account number XXXX OnXXXX XXXX, Idisputed a charge in the amount of {$160.00} for a service I didn't use when I didn't hear from the merchant XXXX XXXX to cancel the registration. Chime has issued a temporary refund. The merchant then contacted me asking me to reverse the dispute so that they could reimburse me directly in order to avoid {$35.00} charge. 
I agreed to work with the merchant. I then called Chime to reverse the dispute and the agent reassured me that it would be no problem to reopen the case if the merchant did not issue the refund. 
When i called the merchant to process the refund, they said they couldn't locate any charges to issue a refund but they provided me with proof that the order was canceled. 
As a result of that, I submitted a rebuttal to reinstate my account with that amount since the merchant had trouble on their hands issuing the refund. Chime denied my rebuttal even though I have provided email proof from my conversation with the merchant confirming the order was canceled. 

I am disappointed becausethe order is canceled and i need my money. I only agreed to work with the merchant because the agent reassured it would not be a problem to reopen the dispute and get my {$160.00} back on my account. Otherwise I would not have done it. 

To resolve the problem, I would appreciate if Chime could the {$160.00} back on my account since the service is cancelled. Enclosed are my conversation with the merchant confirming the canceled service along with the fact they had trouble issuing a refund since they're not seeing the new charges. 

I look forward to your reply and a resolution to my problembefore seeking help from a consumer protection agency or the XXXX XXXX XXXX. Please contact me at the above address or via the email listed above Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Received a chime debit card in the mail - I did not open a chime account - you cant speak to anyone to ensure this is closed you cant speak to anyone Im concern Chime is committing fraud against me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: FL
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. I told Experian, XXXX, and XXXX to reinvestigate the Account Number # XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. 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 2022-07-23
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was given an opportunity to pay 1/2 of my fees on my account and the other half would be waived. After completing the requirements of paying the first half, PHH Mortgage waived the 2nd half/balance. The next billing cycle my account has an unknown fee assessment of {$470.00}. No explanation, no letter nothing. It was added to my mortgage payment and due immediately. When I called in to speak with someone XXXX ( the representative ), couldnt tell me what the fee was for. She went on to say the amount wasnt for property inspections because the numbers didnt add up. I then asked for a supervisor. She asked me why did I want one. I said to find out whats going on. She proceeded to lecture me about what paperwork I had signed. I explained that I am supposed to be notified of any fees assessed and why. She continued to attempt to lecture me, never giving me a supervisor, never telling me what fee is for. Its as if they tricked you into paying at least some of your old fees, telling you they waived the rest then used some other clause to add it back or a portion of it back onto your monthly payment. That fee double my mortgage payment for the month which is wrong to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
They Repo XXXX cars and I was denied credit everywhere for over 9 years, I couldn't even get a place to live in my name because of this situation, not including the trauma and embarrassment that I had to face in the 9 years, and until this day I'm still paying high interest rates for Cars and still couldn't Be able to get an apartment under my name, I got into XXXX and was feeling ashamed of what it has caused me in this life, I can't recall the exact date but this happened between the year XXXX and XXXX, Also there was a moment in my life that I thought of not being able to breath and causing me to go into major humiliation, I'm still leaving in an apartment under someone else name because I wasn't able to do so in my name.

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 2022-02-17
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:
I would like all accounts erased off my report that does not belong to me

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 2023-11-30
Company: Global Lending Services LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Account reinstatement or redemption after repossession

Complaint:
This is for the late payments and the repossession with Global Lending Services. I called Global Lending Services on XX/XX/XXXX at XXXXXXXX XXXX  and spoke with XXXX in the escalations department and advised that the 60-day late payments and repossession on my credit report is preventing me from getting a new vehicle. I advised XXXX that I was XXXX foXXXX XXXX XXXX XXXX XXXX XXXX and had no one to make my payments for me. I explained to her that the day I was released from the hospital my car was repossed and I got it out the same day. I explained to XXXX that I had exceptional payment history before the repossession and afterwards. XXXX stated she will send my credit report to her manager to dispute the late payments and repossession off my credit report and to call back on XX/XX/XXXX. I called back on XX/XX/XXXX at XXXX and spoke with XXXX in escalation who advised that her manager XXXX denied my request to remove the late payments and repossession off my credit report. I've had this account since XXXX and have had exceptional payment history prior to me being XXXX  Also, looking at my credit report, Global Lending Services inaccurately reported to my credit report which violates my consumer rights under FCRA consumer law 15 USC 166B. They reported XXXX as 30 days past due, XXXX 30 days past dueXXXX XXXX 60 days past due and a repossession in XXXX. I've asked Global Lending Services as a goodwill and being a great customer with exceptional payment history if they can remove the negative items off my credit report and they refuse. This is no way to treat a customer that was XXXX with a XXXX XXXX XXXX XXXX XXXX XXXX XXXX but still managed to make my payment as soon as I was released and continue to do so. I would like for someone to look into my account and reverse the repossession and all late payments please.

Company response to consumer: Closed with non-monetary relief