BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-16
Company: Experian Information Solutions Inc.
State: MA
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 and other credit agencies did not delete a debt reported by XXXXXXXX XXXX of appx {$2000.00} in XXXXXXXX XXXX from an original creditor identified as " XXXX. '' XXXX is a defunct business headquartered in XXXX XXXX and XXXX which sold interests in a vacation club that did not exist. My husband and I personally paid almost {$50000.00} to XXXX but in 2018 legally transferred our interest which had been sold to XXXX, but which ceased to have any value whatsoever. Every effort of XXXX to bill was disputed as was every attempt at collection by XXXX. Neither entity submitted proof that the debt was valid. I also contested with Experian, and they only verified that the debt was valid. They did so only by reviewing information from XXXX as XXXX no longer exists. The owner of XXXX is apparently in XXXX for FRAUD and it is my belief that XXXX is knowingly attempting to collect on a fraudulent debt from a fraudulent company that no longer exists.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
Company: Security Credit Services, LLC
State: VA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My 2 savings accounts have been frozen pending garnishment on XX/XX/2023 for a debt through Jormandy Security Credit Services. The accounts end in XXXX and XXXX and are XXXX accounts. My accounts only income are from military retirement, VA XXXX and long term XXXX through XXXX. I have contacted the company to inform them that my income is from protected sources and sent them evidence from my bank statements. They said they are investigating but I am unclear on why my funds werent released immediately upon proof of evidence. My income is strictly retirement and medical XXXX and I need my funds available asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-03
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
I have a verified Coinbase Account, active since XXXX. On XX/XX/XXXX, I traveled to XXXX on a US Visa. After arriving in XXXX, I attempted to simply " open '' the Coinbase App. The App froze, showing a spinning loading icon with no dialog, warning, or indicator of any sort. Every other financial App of mine showed a warning dialog about " unable to open from the current location. '' After arriving back in the US, I tried to open the App and was given a message : " Our records indicate that you  have attempted to log in to your Coinbase account from a country in which Coinbase is prohibited by law from doing business ( XXXX ) per the sanctions imposed by the U.S. Treasury Departments Office of Foreign Assets Control or other governing bodies. As a result, your account has been restricted. 

If you are not a resident of a sanctioned country or otherwise have received this notification in error, please reply to this email with a copy of a current, government-issued ID and proof of your current address, such as a utility bill or rental agreement. '' That was on Wednesday, XX/XX/XXXX, after which I immediately completed the steps of the automated message for re-verification and submitted support tickets with the required information. There has been no response to Emails, the Support Ticket, and the phone support is constantly " at high volume '' and the call ends. 

I have tried for the last 7 days to contact for an update, however, there is no reply. The account is completely blocked from logging in and still shows the same message. 

Every other Financial institution had a very clear dialog that blocked access while in XXXX, and allow access upon returning. Coinbase is the only institution that blocks access without warning, then disables the account, and then does not have a timely or visible process to reenable access. 

Blocking a financial account for legal travel without warning and no path to resolve the account access is unacceptable. 

I have tried every other forum to get in touch with Coinbase, but my hands are tied behind my back and I have no other recourse except to file a formal complaint in order to get a response from their company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: Self Financial Inc.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the XXXX XXXX XXXX XXXX XXXX XXXX pandemic during the covered period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: Experian Information Solutions Inc.
State: GA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-10-09
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing in response to the communication I received from Transworld Systems Inc. regarding an alleged debt associated with Account # [ XXXX ]. According to Title 15 USC 1692a Congressional findings or declaration of purpose, you are hereby informed that as a result of your fraudulent practices with the intention to cause harm, I have suffered mentally as well as financially. Your company and its agents are harassing me for an alleged debt that was not properly verified.Your company shared statements as well as a copy of a consumer contract as evidence of the debt but as per the judgment in the case of Pacific Concrete F.C.U V Kaunance a copy of the consumer contract is not sufficient evidence of the debt. 
I received your notice dated XXXX XXXX, which included documents purporting to support the validity of the debt in question. However, I find that the information provided in your communication is insufficient to establish that I owe a debt to Transworld Systems Inc. In fact, your company 's name or any reference to Transworld Systems Inc. is not mentioned anywhere in the documents you provided. 
As per 15 U.S.C. 1692j ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my another endeavor to tell 3 CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXXXXXX 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 XXXXXXXX Balance : {$0.00} XXXX, XXXX, T 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, GA 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 2022-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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, Account Number XXXX XXXX Account Number XXXX XXXX  XXXX XXXX, Account Number XXXX XXXX Account Number XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX XXXX, Date of Inquiry XX/XX/XXXX, has violated my rights. 

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

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items. 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 2023-07-02
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:
While looking at my credit report i have noticed the following accounts had a discrepancy in the " payment history '' section of the listing : Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX these charged off accounts is reporting payment history each month when it should not since the accounts have been charged off. this is falsely manipulating the status of limitations which is a FCRA violation. 
FCRA623 ( a ) ( 5 ) ( a ) ( 5 ) Duty to provide notice of delinquency of accounts. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the month and year of the commencement of the delinquency that immediately preceded the action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-16
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX services has been attempting to collect 3 accounts which were previously disputed and removed from XXXX XXXX and original creditors. These accounts were opened fraudulently. I have requested original application showing my signatures. They have failed to provide documentation. They only provide an old statement which does not validate debt. They have also changed date from original creditors last payment date as these trade lines have gone past reporting statue.

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 2023-10-08
Company: Affirm Holdings, Inc
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My information was stolen. I have provided proof, affidavit and a police report stating my identity was stolen. I am constantly being charged for a loan that was opened in my name. This company can not provide proof of their investigation or anything. I have sent numerous documents that they have asked for. They are constantly reporting false information to the creditors that are impacting my credit score and other information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Loan # XXXX We refinanced our mortgage. The original mortgage and the refinance were through the same company, Loan Depot. When we refinanced they asked if we would like a check for the escrow or for them to pay off everything. We asked them to pay off everything. We were notified in XXXX that the insurance was never paid. They said they assumed the old mortgage company had paid it off - however, there was no change in company, as we used Loan Depot for the original mortgage and the refinanced one - therefore they were supposed to have paid the insurance. This was all on a recorded line. They said they were going to look into it. It's been months now, we keep calling and they say they'll look into it and get back to us, which they never do. Our mortgage is now going up by {$700.00} a month starting on XX/XX/XXXX, because of an error they made. As the insurance was not paid, they put their own lender insurance on our mortgage which was {$7000.00} ( compared to our normal approximately {$2000.00} ). We now have a negative escrow which they told us we could pay in full or pay {$700.00} a month over a years time. XXXX sent multiple reminders to our mortgage company to pay the insurance. After they never paid it, our XXXX insurance was cancelled ( which we weren't notified about - until our Escrow went negative ) and we were forced onto Loan Depot insurance without them even telling us. Now they want us to pay those much higher costs because of their mistake. Again, they say they'll look into it but never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-16
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX Retail Store stated XXXX XXXX XXXX was offering a " FREE PHONE '' with opening a line of new service.. Consumer did in good faith purchase such a service, received the " FREE PHONE ''. When at home, The XXXX XXXX XXXX Retail Store 's receipt, stated the phone brand and $ XXXX! 

Consumer went back to XXXX XXXX XXXX Retail store & returned this illegal " FREE PHONE ''. 
if I was going to be charged for a " FREE PHONE '' then I will get a phone I wanted. 

This XXXX XXXX XXXX Retail Store sold me a different model of the XXXX XXXX. Took that back ; until I received what I wanted. The Sales Tax during these exchanges ( approximately $ XXXX ) was NOT RETURNED to Consumer. 

Consumer Filed the 1st FCC Informal Consumer Complaint- was later part of 2019. Other FCC Complaints followed- FCC determined Discussion was finished and prepare for FCC Court , in Washington DC . ( This Consumer is XXXX ; low income based upon XXXX  Benefits. ) However, people can request Court permission to represent themselves as a " prose '' via wire and mail. 

I just realized the XXXX XXXX XXXX Office of the President did not follow through with XXXX XXXX XXXX 's promise statements from XXXX Credit Damages continually add up. 

Please Excuse me for not obeying the 2nd stated CFPB Restriction about personal information ; due to extensive rework to documents, that are included in the following Attachments below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-30
Company: EQUIFAX, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This complaint is being filed under the Fair Debt Collection Practices Act. XXXX responded to my complaint and stated that they had filled a lawsuits against me which i had no ideas that I owned them anything or had received any letter from them. It is an Unlawfully lawsuit that XXXX had filled against me without notification and/or justification on or about XX/XX/XXXX. The debt that this debt collector is trying to collect is a Fraudulent account in the amount of { {$830.00} } opened per my credit report on or about XX/XX/XXXX. This is not my debt it is Fraudulent account. XXXX has never made contact with me of any kind with regard to this debt. XXXX placed this debt on my consumer report and fingerhurt also place this debt on my consumer report. Its seems like both companies are trying to collect the debt. XXXX has continued to harass me in trying to collect on this debt by continuously placing the debt on my consumer reports without any contact or notification with me, and now without notification and/or justification has filed a lawsuit. XXXX is causing me my health. now I have no place to stay and no where is willing to rent me a place and with this account on my consumer reports, I can't get approved for anything. please removed this account from my consumer reports so my life to get back to normal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: HANCOCK WHITNEY BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I had a checking account with Hancock Whitney bank, and it was closed around XX/XX/2020 with XXXX balance. However, I received a debt collection now, and they claim I owe {$62.00}. The reason, I guess, is that they reopened my checking later on without my permission, and kept charging me monthly fees due to a low balance. The worst is they forwarded this debt to a collection agent now. This is illegal and unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Account was closed back in XXXX. Company was still charging a small monthly fee of {$2.00} and because I was unaware of the fee they charged me a late fee. The late fee was reversed on my account and the account was paid in full. I am not sure why I still have a balance with this company as I should not. I have attached a letter stating that the late fee was reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-11
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I set up a cash app account and its supposed to come with a cash app card. When I try to order the card on the account I get an " unexpected error '' screen within the app. 

When I chat with customer service within the app ( and this has been going on for quite a few months. with me, and other people ) but when I tell them about the error and ask them about how I can go about remedying the problem so that I can get a cash card to be able to spend my money FREELY WHEREVER I CHOOSE they simply tell me : " you can't have a card, and we won't give you any more information '' and they RUDELY, AND VERY DISRESPECTFULLY shut down any further communication. ( IT IS VERY BAD ) I'm afraid that if I keep pressing the issue then they will make me close my account and not have access to the things that my friends and family have, within being able to utilize that service, while at the same time keeping me feeling like a second class citizen who is undeserving to have all of the offerings that they have available for other people. 

I did a search for this issue all over the internet and in forums and everything and I see and feel that this issue is being " handled manipulated and managed '' and whole discussions are being circumvented, with the confidence that there is no oversight. 

Even so much as to be bold enough to feel no obligation or responsibility to inform or explain to you why they are manipulating the way you spend your money through making you keep it in digital circulation.

Company response to consumer: Closed with explanation