BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On or about XX/XX/2021, I learned of a company called Coinbase. Through them, one could buy parts of Bitcoin. After registering with them, providing driver 's license scan, self-portrait, Social Security numbers, and bank account numbers, I sent {$100.00}. a few days later, I Sent another {$100.00}, for a total of {$200.00} a few days later. 

About one week later, I was no longer able to get into my account. The company has a help phone line which is unmanned and through which one can only report possible fraudulent activity. I have filed several reports, and find a lot of XXXX complaints about the company. Apparently I am not the only one that's getting built on these things. 

They are traded on the XXXX XXXX as of XX/XX/2021 ( symbol is coin ) Apparently, a case number is automatically assigned when you call. I have several case numbers. In each of their responses, they wanted to know the same information that I keep sending them. They act interested and state that they will get back to me as soon as possible. As of this date, I have not heard anything from them. I am unable to get into my account and can not get my money back. 

Their canned response to each of my emails shows that nobody seems to be reading them and I am probably being addressed by a computer. The instructions they send tell me to change my password and login again but the problem with that is then the site tells me that I have an invalid email or password. It invites me to change the password if I have forgotten it, which I have not. Clicking on the forgot password icon takes me to another useless exercise in changing it and then finding out that it still doesn't work. 

XXXX XXXX XXXX complaints are numerous, and in XXXX complaints about this company one sees hundreds of similar cases. 

All documents are emails and are not included here

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AK
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In 2010 Bank of America opened illegal account without my consent and has been committing wire fraud and mail fraud relevant to this account for over 12 years now, very similar to the illegal accounts opens by XXXX XXXX that you sued recently.

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 2022-06-18
Company: EQUIFAX, 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:
in accordance with the fair credit reporting act i believe XXXXXXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I contacted Macy 's American Express in XX/XX/2023 after receiving a letter from them dated XX/XX/2023 saying they believed there was suspicious activity in my account. And, also after receiving a bill from Macy 's American Express for charges that were not mine. 
The charges added up to {$1700.00}, were made during the period of XX/XX/2023 to XX/XX/2023 and the charges were made at Macy 's as well as other random places ( including other cities and states I haven't been to ). There are too many charges to write them all here ( 22 to be exact ). 
I contacted Macy 's several times and ended up closing my account. 
Two days ago, I received a letter from them dated XX/XX/XXXX with the results of the dispute saying they had determined I was responsible for the charges. 
I do have proof that I was not anywhere near those cities where the charges were made. I work from home and I'm sure I can have my IT person get my IP address of where I was on those days. Plus, I have been a Macy 's customer for over 20 years and I NEVER purchased anything outside of Macy 's with my Macy 's American Express. I have several other credit cards I use for personal and other expenses. This card was just for Macy 's purchases and I have not used it for over a year. 
As I write, I am on the phone with another Macy 's representative explaining the same thing and he seems to be quite helpful ; however, my credit is still being affected and I would like this resolved asap. We finalized the call and he said the representative who I initiated the dispute with made a mistake and processed as a Fraud application. That he was going to reverse the charges and take them out of my account. But that it would take approximately 3 additional months to clear. I really hope that it's resolved. He was very kind and helpful but the other representative needs to know that she made a HUGE misktake.This was very stressful to me. I take extra care to protect my credit. 
Again, THESE CHARGES ARE NOT MINE. I NEVER MADE OR AUTHORIZED THESE PURCHASES and I NEVER GAVE MY CARD INFORMATION FOR ANYONE TO USE. 
Thank you.

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 2020-05-27
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Requested a free yearly credit report. Now we found out that we are being charged by Experian ( deducted from our credit card ). Furthermore, we receive emails solicitation " enhancement of membership ''. We never agreed to any membership. All we asked for was a free credit report.

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 2023-05-21
Company: JPMORGAN CHASE & CO.
State: TX
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 have evidence that JP Morgan Chase Bank ( " Creditor '' ) received payment-in-full from XXXX XXXX XXXX ( `` Principal '' ) in the form of a promissory note which is the credit agreement ( " Contract '' ) signed by the Principal, a negotiable instrument according to UCC 3-104 and can be accepted as a deposit to the Creditors bank account in exchange for credits according to 12 USC 1813 ( l ). Also, since the Contract included a promise to pay the Finance Charge, the Creditor has also already received the Finance Charge in full in the form of credits exchanged for the promissory note. This is only possible because the promissory note is evidence of debt and is secured by direct obligations of the United States according to 12 USC 347c. The Creditor used the promissory note to receive credits from the US Treasury in the same way banks receive a US dollar bill, which is also evidence of debt, in exchange for credits to a bank account.

Although the Creditor has already received payment-in-full from the Principal through the promissory note, the Creditor willfully and knowingly created false and misleading statements mailed to the Principal in order to receive additional payments from the Principal. 15 USC 1605 clearly states the Finance Charge is the sum of all charges in connection with a consumer credit transaction. Since the Creditor created charges in addition to the Finance Charge they already received, this is a violation of 15 USC 1605 and the Creditor is subject to civil liability pursuant to 15 USC 1640 and criminal liability pursuant to 15 USC 1611.

In regard to the balance shown in the enclosed Statement, it is presented to the Principal as a remaining amount owed by the Principal to the Creditor. The principal balance is actually a credit balance owed by the Creditor to the Principal. This is evident from the Creditor having to adhere to the Generally Accepted Accounting Principles ( GAAP ) pursuant to 12 USC 1831n ( a ) ( 2 ) ( A ) since they received the promissory note as an asset on their books. To legally offset the asset ( promissory note ) received from the Principal, the Creditor securitized the promissory note by creating a liability owed to the Principal in the form of a debt instrument/bond. Therefore, the principal balance belongs to the Principal. According to 15 USC 1666d, the Creditor should have credited the credit balance to the Principals account, refunded to the Principal upon the Principals request and made a good faith effort to refund the remaining credit balance to the Principal by cash, check, or money order. Since the Creditor did not act according to 15 USC 1666d, they instead fraudulently attempted to receive additional payments from the Principal. As a result, the economic effect of the Creditors actions is similar to counterfeiting, swindling and stealing from the Principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: EQUIFAX, INC.
State: TN
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:
Approx. XX/XX/2022, {$400.00} from XXXX XXXX XXXX and {$1400.00} from XXXX was wrongly added to my credit report as a collection not verified. No original documents were sent. Please REMOVE this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
I am victim of Identity theft. Someone has access to my personal information and its ruining my credit by applying accounts that I have no knowledge of. Also, I never give consent to the company listed to pull my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: National Credit Systems,Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had been receiving multiple calls and letters from National Credit Systems from their representative XXXX XXXX XXXX regarding a debt I do not recognize at all. I could see from the letters that it was for the amount of {$340.00} originally due to XXXX XXXX, a company whom I also don't recognize. Apparently, according to the letters sent to me, this debt was due XX/XX/XXXX but it doesn't say what for, and until I got a call from collections, I never got a notice from anyone saying I owe them anything, they just let this debt go straight to collections and purposefully effect my consumers report. At first I ignored them because I was just annoyed, but then I saw they hit my credit report and never gave me fair notice, so I looked into how I can learn more about this debt. After searching online I came across several samples of a debt verification letter that I could send to them, and with that I could request a cease and desist for 30 days while I wait for verification. I included all the details I needed to in my letter - dated and sent XX/XX/XXXX. It is now XX/XX/XXXX and the same rep has attempted to call three times now, first on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and earlier today at XXXX ) leaving a voicemail stating they are attempting to collect. I have yet to receive any verification and I don't want this effecting my credit anymore, I need something done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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:
in accordance with the fair credit reporting act i believe XXXX XXXX XXXX account XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666b : a creditor may not treat a payment on a credit card account under a 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 2020-07-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Between XX/XX/20 and XX/XX/20 there were 5 fraudulent charges made on my Bank of America credit card. The card was always in my possession and I was not in the city where the transactions took place during these 2 days. I was not able to find evidence of me being in a different location during this time. Here are the fraudulent transactions : {$16.00} at XXXX XXXX on XX/XX/20 XXXX CA {$530.00} at XXXX  on XX/XX/20 XXXX XXXX CA {$20.00} at XXXX XXXX on XX/XX/20 XXXX XXXX CA {$11.00} XXXX XXXX on XX/XX/20 location unknown {$17.00} at XXXX XXXX on XX/XX/20 XXXX XXXX CA - magnetic swipe transaction I was alerted to these charges because the bank itself originally flagged them as fraudulent and froze my card. My money was refunded immediately. 

One month later, the claim was denied and my refund was rescinded. I called BOA to ask why and they told me that my claim was denied because, apparently, a chip was used for the transactions. However, one of the transactions, I was told, was a magnetic swipe transaction. 

I submitted another claim, including the police report. I was denied again. I called the XXXX financial crimes  unit on XX/XX/20 and was told that the police have not yet even assigned an officer to my case, so I don't expect my police report to be followed up on in any reasonable amount of time.

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 2023-06-27
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
There are two accounts and some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report . Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The accounts that are fraudulent are as follows : XXXX inquired on XX/XX/2022. 

The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home. 

With that being said, inquiry law that applies here is 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) To credit reporting agency The inquiry was not authorized. 
Did not consent to unauthorized inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
inaccurate information is being reported on my credit report with Equifax XXXX XXXX on the below accounts. i submitted a written dispute on XX/XX/XXXX via usps mail and have yet to get a response of any kind, they continue to report inaccurate information that is effecting me from obtaining credit. the accounts are below. 

XXXX XXXX - acct # reporting on XXXX shows XXXX - Acct # reporting on Equifax XXXX both inaccurate and do not match. XXXX reporting issue is they are still reporting ( payment history ) and this account has been closed since XX/XX/XXXX. Equifax XXXX XXXX continue to report inaccurate which is against FCRA consumer law. 

XXXX - acct # XXXX submitted first dispute on XX/XX/XXXX no response, this account is reporting payment history inaccurate as well, back in XXXX of XXXX i paid ontime and equifax reported that but XXXX reported " CO '' how can i be on time and late at the same time? they both reported this way from XXXX of XXXX all the way to XXXX of XXXX. 

XXXX XXXX - acct # XXXX - submitted first dispute XX/XX/XXXX the " Account Status '' is being reported wrong/inaccurate by Equifax & XXXX XXXX this account was PAID IN FULL XX/XX/XXXX and all XXXX comments state that it was paid but Equifax & XXXX reporting account status " Derogatory status '' which is totally illegal and inaccurate. they are in violation of FCRA this must be updated or account deleted at once. i havent gotten any response from either credit agency.Experian is the only one that reported accurately with " paid '' in account status. this is effecting me from obtaining new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: Experian Information Solutions Inc.
State: MI
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 have called Experian several times about each of the point withdrawn from my report. Any and every credit check that isnt connected to a card on my credit report is not fine I XXXX XXXX have to permission to any creditor to check my credit that its already on my report. Ive tried to us there site but not able to input information without is being denied. My credit score has been tampered with for over 2 years and Ive wrote them several times. In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights. 15 USC 1691 Section 604 A section 2 : It also states a consumer report agency can not finish a account without written instruction.

15 USC 16668 : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2021-01-27
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: 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