BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-18
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
This compliant involves Coinbase Inc. 

The following events transpired during late XX/XX/2021 leading to identification Coinbase had been breached and my account was negatively impacted : 1. On XXXX & XXXX XXXX, I attempted to unsuccessfully login to my account. I was unsuccessful due to your system advising my password being incorrect, despite using my recorded correct password. 

2. On XXXX XXXX, I spoke with one of Coinbase 's customer support representatives, XXXX ( badge # XXXX ) to resolve the incorrect password and subsequent locked account. It is important to highlight at this time, XXXX confirmed two factor Authentication was enabled on my account. 

3. On XXXX XXXX, I received an email notification from Coinbase of an unauthorized attempt to transfer Bitcoin Cryptocurrency funds ( XXXX Bitcoin ) from my account, despite my account holding no material residual Bitcoin. XXXX had advised, the transfer was on its way, but Coinbase had stopped the transfer out. 

It now appears after my personal investigation and analysis ; the hackers have sold my holdings as follows : XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX holdings sold on XX/XX/XXXX at XXXX AM XXXX. XXXX XXXX units purchased on XXXX XXXX at XXXX PM. 

Once this had been purchased, the hacker then SUCCESSFULLY transferred XXXX Bitcoin to the following Bitcoin Wallet address despite Coinbase claiming otherwise : XXXX This should not have happened as two factor authentication was enabled. I never received any emails or text messages in relation to any buy/sell transactions made on the account by the hackers or attempts to login to my account, except for the email on XXXX XX/XX/2021. I confirmed with your Coinbase helpdesk within the required 72-hour window this was wrong and Coinbase will have stopped the transaction ( despite it still going through ). This appears to be a failing of the Coinbase compensating controls against fraudulent transactions and cyber threats. 

I have attempted to resolve this with Coinbase through multiple support tickets and submitting via their complaints process since XXXX XX/XX/2021. I have had no resolution to the theft of my funds at this point in time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-08
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2023-08-03
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I h

ave contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. PLEASE CHECK ATTACHED LETTERS.

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 2018-04-21
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I applied for the XXXX XXXX XXXX XXXX XXXX Card by Chase on XX/XX/XXXX, and was approved with a {$22000.00} credit limit. On XX/XX/XXXX, before I even had a chance to use the card, Chase closed the account. I received a letter in the mail stating, " After careful consideration, we closed your credit card account on XX/XX/XXXX, because our affiliate is ending its banking relationship with you. '' I called the phone number on the letter ( XXXX ) on XX/XX/XXXX, and the representative told me that all she can see is that another of my Chase accounts was closed. However, I do not have any other Chase accounts, except for a mortgage, which Chase bought in XX/XX/XXXX ( and is still active ). The representative said there is nothing more she can do, and that I am welcome to mail a letter or send a fax to their executive office. 

I suspect this account closure may be due to fraudulent activity. On XX/XX/XXXX, someone had fraudulently applied for a Chase credit card in my name. I reported this to Chase at the time, and the Chase representative informed me that the account was closed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use 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 non-monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: AL
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 
I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. This company is very unprofessional! I also sent them a copy of the police report. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 
I will also file with the CFPB and FTC! This is unacceptable!

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 2021-01-06
Company: Experian Information Solutions Inc.
State: NC
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 Have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: HUNTINGTON NATIONAL BANK, THE
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is an ongoing issue that Huntington refuses to address, they have now started harassing me monthly for payments they are inaccurately applying. 

I requested they contact me as I received a phone call yesterday, XX/XX/XXXX from a XXXX who was quite rude. He attempted to collect on a debt that didn't exist by falsely telling me my mortgage was past due. 

When I explained that I had indeed paid it on time, in fact, early and more than what was due, he had to go into his system and find the payments. 

He said I didn't pay and that was the problem. 
Then he located the payments and stated because I paid early, that was the problem. 
Then he changed his story and said because my payments applied to principle, that was the issue. 

None of these things are the issue. The issue is Huntington 's system deficiencies.

I have had multiple mortgage servicers and not one have had these problems. 

I asked what I needed to do to stop the harassment, and he rudely stated " We aren't harassing you, we call you to tell you about the status of your loan '' Another false statement. They called to collect on a non existent past due balance. 

I requested he locate the payments and have them applied appropriately. He did not offer. 

I then paid a FULL ADDITIONAL MONTH in advance and asked him if THAT would stop the monthly calls. 

I honestly felt like I was paying the mob to stop harassing me. 

Think about it ... during XXXX, I paid an extra month of mortgage my family 's XXXX money, to stop this. 

It affects me that much. 

It is causing an immense amount of stress. I have an autoimmune disorder exacerbated by stress. I have explained this to Huntington before, and have also asked they not harass me by phone. 
They continue to do so. 
Repeatedly. 

I reached out to their representatives and they did not reply. 

So here I am again, filing a complaint. 

I will do this every time this happens in hopes the pattern warrants a full investigation into this bank. 

I want this harassment to stop. 
I want confirmation my unnecessary EXTRA payment will stop the harassment. 
In writing. 


This has to be a rampant issue affecting all their consumers and it needs to be addressed. 

The CFPB/OCC should review how many false late payments are being applied. 
How many false detrimental credit reporting actions are being taken. 
How many harassing phone calls are being made to consumers based on false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-31
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-11
Company: CITIBANK, N.A.
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX i initiated a Citibank web transfer of {$70000.00} from XXXX checking account xxx # XXXX to a Citibank savings account XXXX. On the same day, I received a Citibank email indicating that Citibank received the transfer request and I should expect to see funds in destination account within 3 business days. Also on the 3rd, I received another Citibank email confirming the transfer-with a delivery date of XX/XX/XXXX. 
On XX/XX/XXXX I checked my XXXX  checking account and {$70000.00} was debited from my account. 
On XX/XX/XXXX I received a Citibank email indicating that the funds could not be deposited into Money Market account XXXX. If the funds were held by another financial institution to contact them to have the funds deposited back into my account. 
Now the fun part. Between XX/XX/XXXX and XX/XX/XXXX I have contacted XXXX  5 times and Citibank 6 times trying to get the funds either deposited into my Citibank savings account or returned to my XXXX  checking account. In each case I talked to many different departments and management but always end up with the same result each institution stating it is the other banks responsibility to retrieve these funds. 
Citibank could not provide me with an answer on why the transfer was not completed and because they use XXXX, a third party financial institution, for the transaction they cant request the funds to be returned. 
XXXX  on XX/XX/XXXX opened a dispute claim to investigate the issue. On XX/XX/XXXX I received a letter indicating they could not find an error in the processing of the originator instructions and considered the investigation closed. 
In summary on XX/XX/XXXX a Citibank web inter-financial transfer was initiated which resulted in a deduction of {$70000.00} from my XXXX  account but funds were never deposited in my Citibank account. Numerous attempts of contacting both institutions over a 5 week span resulted in each bank indicating that the other bank was responsible. 
If needed I can provide copies of all bank emails, account numbers and specific dates with details of my attempts of contacting both banks to resolve this issue. 
Thanks in advance for your help

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 2023-01-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello, XXXX XXXX, my PayPal can not be linked to the bank and withdraw cash, please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-01
Company: MoneyLion Inc.
State: AE
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:
XXXX XXXX XXXX refused to issue me his last name or company identification number. This is a financial company that refuses to help in any manner. The company stated that I had no outstanding Loan with this company, and all my payments were on time and completed paid off. I haven't used this company in XXXX to XXXX years. I stated that my credit is showing delinquent payments, closed and paid off. This is negatively affecting my credit score and i need to remove it. I also let them know I was going to dispute this and already know they will try to answer back, so can we resolve this issue, or issue me a memo type of a letter to send into the credit burros letting them know I do not owe anything, I have not been behind on payments, and the account is completely closed. Even if they would do a total deletion that would be fine, they told me contact my credit burros. This company is listing false items on credit reports and I need this repaired immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be deleted immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have never owed a balance with XXXX XXXX XXXX. There are two accounts on my credit report showing as owed, but these were a result of identity theft. I have notified XXXX XXXX as well as their collection agency and they confirmed that they would be removed, but to date, the balances still show due.

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 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
According to the fair credit reporting Act, this creditor has violated my rights under 15 U.S.C 1681 section 602 states I have the right to privacy. 15 U.S.C 1681 ( b ) section 604 ( A ) it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C 1666 ( b ) a creditor may not treat a payment on credit card account under a open end consumer credit plan as of late for any reason. I Never give TransUnion permission to Furnish ANYTHING on my consumer report. XXXX XXXX XXXX Account # XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX Account # XXXX Date XX/XX/XXXXXXXX XXXX  Account # XXXX Date 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