BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-21
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received fraud alerts that my equifax credit report was access by two companies. I reached out to equifax and was assured that the inquiries would be removed due to my fraud alerts and identity theft report i had on file. I was told to give Quifax 24-48 hours to remove the inquiries. 

Its been almost two weeks and the only thing Equifax did was send me a letter in the mail giving me the definition of what an Inquiry is. I know what an inquiry is and that is not why i called. 

Inquiry - XX/XX/21 - XXXX  Inquiry - XX/XX/XXXX- XXXX XXXX XXXX XXXX XXXX 

Equifax did not address the issue and left the inquiry as it stands and Equifax did not remove it. I have not applied for credit with those companies and both companies assured my that no new accounts were added as the inquiry was the result of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On Sunday, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX I receive an email from Coinbase informing me that my account has been blocked. I follow their instructions to recover access, which I recover on XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  I check if there are any changes or modifi cations and I realize that my cryptocurrencies ( XXXX and XXXX ) were converted to USD and withdrawn to two bank accounts that I do not recognize, I process to find a way to contact coinbase as soon as possible and start a chat, in which they confirmed the withdrawal of the funds in 3 transactions and without giving me any solution they block my access to the account again, and start the process to recover access to the account and I hope to recover access today at XXXX XXXXXXXX XXXX  to obtain more information The withdrawal of the funds was sent to 2 XXXX XXXX XXXX accounts whose last digits are XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
I went to pay my rent at ACE Cash Express, I handed the clerk {$1000.00} dollars cash. The {$900.00} for rent payment and the service, The rent was not all pay, nor did I get the service fee and correct amount. The clerk at ACE Cash Express did not submit correct amount of money after giving her {$1000.00} cash to pay {$900.00}, rent fee. 

Once I realized she did not put the correct amount I did realize the error until my property manager contacted and informed me of the {$400.00} dollars shortage and that I did not get my correct change from the transaction fee. 

I am very upset that ACE Cash Expree, caused me to get a notice of eviction, and late fee! I request that the drawer be counted and was denied. I also requested to file Complaint with Federal Trade Commission, Elder Abuse at time of transaction. 

Thank you your prompt attention to this urgent problem!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I transferred cryptocurrency from Coinbase to Coinbase wallet. They sent an email saying it was paused, gave me an option to cancel, which I did. Today I tried to transfer it back and it said I needed to pay a large fee $ XXXX and I was willing to pay. The payment method came up blank with a back arrow. Its a small amount of money but its stuck there, I can not do anything with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA.

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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, 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 XXXXXXXX

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 2022-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Capital One Credit Card 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 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 2016-01-20
Company: First Recovery Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Myself and my children are receiving calls from a company that they identify themselves as First Recovery Services/Solutions. They state it is in reference to claim number XXXX and they have my complete social security number. They state I may clear the debt up with a credit card number for the amount of {$590.00} or court proceedings will commence. I have requested paperwork for the claim and they state I already have it, I do n't. They state it is for a Pay Day Loan Advance that I took out online, I did not obtain a pay day advance. I ask for their address all the information they will tell me is that they are located in XXXX, FL. The calls are from several different XXXX numbers. XXXX, XXXX to name a few.

Company response to consumer: Untimely response
Consumer complaint received 2015-06-09
Company: Cornerstone Legal Group, LLC
State: GA
Product: Other financial service
Sub-product: Debt settlement
Issue: Excessive fees

Complaint:
Cornerstone Legal Group , LLC XXXX XXXX XXXX XXXX. XXXX, FL XXXX. They use XXXX XXXX XXXX to manage the funds. Since XXXX 2014, They have debited my account in the amount of XXXX monthly. Only XXXX of my debts have been settled : XXXX and XXXX. Since the company is taking over 60 % of my funds there is virtually no money in my account to settle the other debts. I continue to get lawsuit papers from Financial Institutions that should 've been contacted by my debt consolidators, Cornerstone Legal Group, as they were provided a list of all debts to be consolidated under their program.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-19
Company: Aqua Finance, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The company has not provided proof of the debt. I have asked for a copy of the contract between the collection agency and the original account owner, a detailed contract between myself and the original owner, and a detailed print out of all payments and outstanding debt as well as proof of signature from this agency and it has not been received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
USAA received a request from XXXX  XXXX XXXX to provide them a Hold Harmless Agreement or Indemnity Agreement so they can legally transfer my funds back to my account. It has been over a month since XXXX  XXXX XXXX requested this from USAA and they still complete and turned form in to XXXX XXXX XXXX. XXXX XXXX XXXX informed me today the longer my bank takes to complete form the higher the possibility for the scammer to remove my funds. 

My Bank ( USAA ) has sent multiple recall requests and XXXX  XXXX XXXX still hasn't respond the recall. XXXX XXXX XXXX of XXXX XXXX XXXX did a Wire fraud scam impersonating XXXX XXXX XXXX an real estate investor and committing a federal scam. Scamming me out of a total of {$9000.00}. My bank USAA requested numerous of times to XXXX XXXX XXXX along with the police report the circumstance and and XXXX  XXXX XXXX refused to their further investigation to give me my funds back. This scam of {$9000.00} has put me in a bind financially with the owner of the property and financially. I met XXXX XXXX XXXX late XXXX at Real Estate Investor convention in XXXX. We talked briefly about future Real Estate deal and agreed to work together. He reached out to me via email and chatted about him lending me a Real Estate Investing Loan for a property I was acquiring. XXXX is a Real Estate Investor with his company XXXX XXXX XXXX XXXX. After exchanging numerous emails and signing contracts, He agreed to dispersed funding of {$800000.00} once I pay the the {$8000.00} origination fee and a {$1000.00} Payment Protection Insurance fee. Once I wired the transfer to unknown individual ( XXXX XXXX XXXX ) from XXXX  XXXX XXXX, XXXX XXXX XXXX completely disappeared. No email response, phone call etc. I have email, wire confirmations, His LinkedIn, and XXXX XXXX XXXX XXXX  XXXX XXXX information ( routing and account no. ) I filed wired fraud investigation with my bank USAA and filed a police report. I have all documentation needed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have disputed innaccurate information on my credit report. I have requested a validation of the debt and have received a letter to collect the debt. I would like this inaccurate information to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2018, I received notification from the credit reporting agencies that I had received a collection from American Express for non payment on a credit card I had no knowledge of. The collection reported on my credit file is around {>= $1,000,000} dollars, of which I have no knowledge of. I'm a victim of identity theft, please see attached ( 2 ) police report documents. The police reports explain everything I incurred during the robbery. I was robbed and my purse was taken from me violently. American Express has let someone explort my identity and as a result placed a derogatory mark onto my credit file. I've never done any business with this organization before. This has caused a major hardship due to me being a business owner and must retain good credibility. I pride myself on being viable and to maintain good credit health. This situation over the holidays has been troublesome at least. I would like something done about this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: Jacobs, Marsh LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received XXXX messages. Both messages were the same. The first was from " XXXX '' the second was from " XXXX '' " this is XXXX at XXXX with the litigation support services. You have a pending case in our office that requires your immediate attention it is imperative that I speak with you or your attorney of record immediately today my number is XXXX XXXX XXXX if I do not hear from you or your attorney of record I will document that you waive your right to counsel and submit your case covering yourself accordingly '' I called them and they said they put a warrant out for my arrest in my county. They knew the last XXXX of my social security number. I told them to hold while I got my attorney on the line ( a fake stement ) and they hung up.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After receiving my credit report, I am not happy to see the below items to be in error.

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 2018-12-23
Company: CREDIT ACCEPTANCE CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Called credit acceptance XX/XX/2018 trying to inquire about a debt on my XXXX, XXXX and XXXX credit reports. The company instructed me to contact XXXX XXXX XXXX XXXX the attorney office could not find my name or social security number in any of their systems.

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 2023-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Recently I did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX has violated my rights. The Listed account above has flawed information under between 3 different credit reporting agencies in Transunion, XXXX, and XXXX. First Flaw is the Date account opened which differs from the XXXX and XXXX ( XX/XX/XXXX ) from the Transunion report ( XX/XX/XXXX ). Second Flaw is the High Credit Amount which differs between Transunion and XXXX ( {$2300.00} ) from the XXXX Report ( {$0.00} ) Third Flaw is the Last day reported on the account which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/XXXX ). Fourth Flaw is the Last day Active report which differs from the XXXX and XXXX ( XX/XX/XXXX ) report from the Transunion report ( XX/XX/XXXX ). Final Flaw reported was the date of last payment reported which differs from the Transunion and XXXX ( XX/XX/XXXX ) from the XXXX report ( XX/XX/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 ) 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. 
I have tried to communicate to the companies involved through the XXXX otherwise known as the XXXX XXXX XXXX and I have not received an accurate resolution in regards to my issue and the companies involved are taking extremely long for a resolution as it pertains and negatively affects to my mental health, sanity, and well being.

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 2021-08-11
Company: WELLS FARGO & COMPANY
State: CT
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:
please review these accounts that appear on my credit report, they do not belong to me and are hurting me. 
Identity Theft XXXX  CARD Account Number : XXXX This is not mine. 

2. Identity Theft WFDS  Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

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 2022-05-14
Company: DISCOVER BANK
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, Discover Bank Account # : 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 also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
This past XX/XX/XXXX I had XXXX accounts from XXXX and they were removed from my credit report. As I was looking at my credit report I noticed that when the accounts were removed from all XXXX bureaus and my credit score was only updated from XXXX and XXXX not with TransUnion. When I contacted TransUnion on XX/XX/XXXX, to find out why my credit score had not been updated due to the changes in my credit report all they could tell me is that they do n't know? I know TransUnion has been in the news for doing for not reporting accurate information on people 's credit report and now I 'm going through this. Attached is a case I won and the lawyers submitted this to the credit bureaus but for some odd reason TransUnion fails to update my credit information in regards to that case. Could you please look into this and find out why have n't they updated my credit score do to the changes with the deletion of XXXX accounts from XXXX so my credit score should reflect the changes the other credit bureaus did not sure why TransUnion is giving consumers problems. All I want is my credit score with TransUnion to reflect the changes of the XXXX accounts being removed and they have n't.

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