BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-09
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, My wife and I have been victims of identity theft. Our accounts were used by an unauthorized individual completing transactions without my ( and our ) knowledge or permission. 

I have discovered in excess of {$5100.00} in illegal charges to my Coinbase account. They were sent to wallets I do not know, or recognize. I do not know how the woman we believe did this, gained access. We worked with her, and had sent standard identification and wire transfer information when we began work as contractors. We discovered the thefts after receiving a press release detailing her indictment from the Department of Justice. 

She appears to have impersonated both my wife, and I. She used both our bank account, and my Coinbase account to send large amounts of XXXX to unknown addresses. Today I received a letter from Coinbase that stated I would not receive any recovery as all transactions are final. 

I did not give this woman permission, nor did I provide my passphrase, private key, recovery phrase, password, or login. I have been told it is possible there was remote software installed on my system, but I do not understand how this happened, and personally have no knowledge of how this would be possible. 

This woman impersonated me, and decimated all of our accounts, including my Coinbase. She deposited and immediately withdrew the funds in an apparent effort to avoid detection. She is now in custody. My wife has filed police and an IC3 complaint with the FBI. 

As Coinbase, and not I, was the agency in control of my account at the time, I filed a claim for Coinbase for crime related insurance recovery ; as a result of the unidentified security breach, at the suggestion of law enforcement. 

Today, Coinbase evasively glossed over this, and did not confirm such insurance was available or existed. To imply that any person could gain illegal access to accounts without protection is illogical, and frustrating. 

I have sent police reports, FBI and department of Justice reports, and ample evidence of serious identity theft that apparently allowed this woman to gain access. 

I am asking for relief, and help in what has been a catastrophic event in the life of my family. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card was open fraudulently with Bank of America and {$940.00}. was charged to the account. I immediately reported the incident and Bank of America. The bank stated that they would send a letter but, to date I have not received this letter. I also placed a freeze and fraud alert on my credit profile. 

Bank of America has failed to take appropriate actions to prevent and/or follow-up on this act of 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 2023-07-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This consumer reporting agency is furnishing inaccurate information.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
XXXX XXXX XXXX  Account XXXX I have no knowledge of this debt I did not receive notice of debt. I did not receive notifications of this debt. I no written contract with this agency. No validation of this debt. 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.

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 2022-10-15
Company: U.S. BANCORP
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX alerted me of a past due and I researched my report and did not recognize the company nor have an account with Elan. After calling 3 different numbers with capital credit was provided a number to Elan Credit. 

Spen 58 minutes and finally spoke to a male XXXX XXXX who advised my Acct had been converted/ conversion from a card Connexus. I explained that I received no phone calls, statement or emails. I then Asked what address and phone and was provided with my home address and a incorrect phone and email. I then asked about my ACH that had been taking from my bank Acct and he had no record. 
He could not provide me with full credit card number due to the conversion and only the last 4. 
He advised to pay the amount due {$82.00} and he would get with his mgr about correction to my credit report. I then elected to pay the balance in full, and afterwards in the call was advised I would have to call another number to discuss. I called the number and advised to write a letter and reference the account number Which they couldnt provide. Therefore I could not send a complaint without the completed card number. 
I filed a dispute with XXXX XXXX and XXXX they advised Elan would not be changing the credit report and no explanation provided. 
I have been erroneously reported as delinquent when Elan failed to advised of the company taking over and did not admit they had incorrectly reported derogatory information. They failed to provide contact information and limited me from trying to correct when they could not give me the full account number to file the complaint. Conversion or not, this company failed to inform and made a promise that they would correct, when I paid the account off.

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 2023-08-09
Company: Brightfunders, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Lets try this again. 

Lower Holding sold my Mortgage to XXXX. Instead of transferring two months of payments they transferred 1. I filed a cfpb complaint and Lower stated they had sent all the payments and XXXX verified it with me. Please find attached a print out of the email response from XXXX stating they have NOT received all the payments. Please find attached the screen shot from my bank showing Lower DID receive all the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Winklevoss Exchange LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On Friday, XX/XX/XXXX, I submitted a Deposit to Gemini ( XXXX XXXX ) for {$2000.00} from my XXXX XXXX XXXX XXXX account. I accidentally submitted the request from my savings account instead of checking account, so the request hit the XXXX account and came back to Gemini as NSF. After this, my Gemini account was frozen by the administration. I am unable to access any of my funds in this account now ( over {$6000.00} ), but there is also a - {$2000.00} margin in the USD portion of the account on file ( even though it is frozen ). All I need is for my account to be unfrozen in order to cover this margin balance, but have not had any luck in getting a hold of Gemini customer service to unfreeze. I have reached out to XXXX on XX/XX/XXXX and XX/XX/XXXX requesting that my account be unfrozen so that I can cover the margin balance and withdraw funds, but have not received any response. Please help me! I am afraid that my money will be depleted or inaccessible in this account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-06
Company: 1st Franklin Financial Corporation
State: SC
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 # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A 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 + open end consumer credit plan as late for an 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 2023-08-09
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i've been incarcerated from XX/XX/XXXX- XX/XX/XXXX XXXX was unable of making this account or any transaction with this account. 
I reviewed my Consumer Reports and noticed that I had accounts that I never made. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I never had accounts with this company : ( Company Name : Netcredit/Republic ban ) ( XXXX XXXXAccount Name ) : (??? Account Number ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand this account be removed. Thanks, Fair Resolution! 

on company : Netcredit /republic ban account open : XXXX XXXX balance {$2500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: Nelnet, Inc.
State: CT
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I am writing to inform you that I am aware of your non-compliance with the provisions outlined in the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 15 USC 1692c ( c ). It has come to my attention that your agency has engaged in abusive and deceptive practices in an attempt to collect an alleged debt. 

I hereby demand that you immediately cease and desist all activities related to the collection of this alleged debt. Your abusive and deceptive practices are in direct violation of my rights under the FDCPA. I am well aware of the protections provided to me as a consumer, and I will not tolerate any further harassment or misconduct. 

Furthermore, I exercise my right under 15 USC 1692c ( c ) to request the removal of any and all information pertaining to this alleged debt from my consumer report. You are explicitly prohibited from disclosing or communicating any information about this debt to any credit reporting agency without my express written consent. I hereby withdraw any previous consent you may have had and demand that you cease reporting this debt to Please consider this letter as a formal notice of my intent to take legal action if your agency continues to engage in abusive or deceptive practices. In pursuant to 15 usc 1692k I will demand XXXX per each violation, I am prepared to protect my rights as a consumer and will not hesitate to pursue all available remedies under the FDCPA. All future communication regarding this alleged debt should be directed to me in writing at the address provided above. Phone calls or any other form of communication will not be accepted. I expect your immediate compliance with this cease and desist notice. Failure to do so will leave me with no choice but to take appropriate legal action to protect my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A collection account was opened up using my social security number on XXXX. I have no knowledge of this debt and would like to this debt to be validated/verified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
A person went in to my account and reverse bill that I had paid and made it look it was me and I told Chase that now of it was me so they say that I od them XXXX dollars for the checks that went in my account they closed the account so I don't know how they say that I took money out and they did not tell me about what was going on tell couldn't get in my account so I fill that they wrong for not telling me what was going on when it was happening to me.i had to come in the bank to know what was up and the person that this reverse my bills that I had all ready paid I had to fright for were is staying because the person reverse XXXX months of my rent that I paid went on the computer and electronic checks from places were I went and brought at the store and wrote checks from my account that I did not know about.i need the red flag off my name because I don't od them nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
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 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the 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 alleged fraud or extortion. 
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 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 2021-05-24
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ATT account was paid in full in 2019 to original creditor. Surprisingly it was sold as an unpaid debt to XXXX XXXX agency.. This was paid in full by debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: HI
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
Aloha, After having an abnormally hard time getting a digital copy of my closing docs for my records, and after just receiving my property tax notice in the mail- I saw quite a significant disparity from what my appraisal came back as and what my property assessment value is. 

On XX/XX/2018- I proceeded with closing on a VA home loan for my current condo. For a VA loan approval, and any mortgage loan, an appraisal is done to verify the value of the property. USAA requires, as part of the loan process to disclose the contract price of the loan prior to them requesting an appraisal. In compliance, I sent them a copy of the purchase agreement for an offer made of {$320000.00}, and in return an appraisal was conducted. 

Within a week or so, I got back my appraisal and it came in for the exact amount of my offer, {$320000.00}, no more, no less. I found it odd, but was assured this could happen. As I mentioned earlier, I did not know that the property value was indeed lower until I received my property tax assessment form which so happened at the same time I was trying to request electronic documents from USAA and the request for some reason was forwarded all the way up to the Office of the CEO. Now, that I found to be a bit odd.

Something told me to take a deeper look since I was getting so much push back and it took about 3 weeks to get a simple electronic copy. I went back through my docs, and also saw in the mail my tax assessment form. 

It pangs me to know that my lender, who is in business primarily for the military is doing us a huge disservice. After doing research on appraisals I later learned that this is a common practice for lenders to accept high appraisals due to higher interest rates, PMI, and more money in their pockets. It's reported on average appraisals can cost consumers an increase of up to 4 % on their real home value. 

I find it no mistake why it took so long to receive my records, nor that my appraisal is incorrect. It is at this time, I am seeking remedy from USAA, who was the loan originator, to review my records and make a fair adjustment. I am a 100 % XXXX veteran, and this oversight / practice is not only costing me my time, but taxpayer 's money, and great hardship since I put down {$10000.00} of my savings for a reasonable monthly payment. 

Thank you for your time!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: Consumer Portfolio Services, Inc.
State: MA
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: Problem with personal statement of dispute

Complaint:
Consumer Portfolio Services you have violated section 623 ( a ) ( 3 ) of the Fair Credit Reporting Act ( FCRA ) section 807 ( 7 ) of the Federal Debt Collection Practices Act ( FDCPA ) and Federal Trade Commission ( FTC ) because you have responded to my multiple disputes with the credit reporting agencies in regards to this account. According to the FCRA, FDCPA and the FTC Notice to Furnisher Obligation of Furnishers you are REQUIRED and Obligated to provide NOTICE of DISPUTE within 30 days after a consumer file a dispute with the consumer reporting agency. According to the consumer reporting agencies and my consumer report in multiple times in 2023 but did not furnish to the credit agencies that the information is disputed by consumer as REQUIRED according to the FCRA, FDCPA and the FTC. This a serious violation of section 623 ( a ) ( 3 ) of the FCRA, violation of section 807 ( 7 ) of the FDCPA and the FTC and grounds for deletion of this account. The required Notice of Dispute still doesnt report or appear on my consumer report as of today XX/XX/2023, 120 plus days after Consumer Portfolio Services responded to the credit reporting agencies re-investigation multiple times in 2023. I have provided as proof documentation multiple XXXX consumer report and Identity XXXX XXXX XXXX  neither reports showing the required Notice of Dispute. I have also provided as proof documentation a copy of the section of the FCRA, FDCPA and the FTC pertaining to my dispute highlighted for your review. 

Because of this FCRA, FDCPA and FTC violation committed by Consumers Portfolio Services I request that Consumers Portfolio Services update this account to show No Data for the month of XXXX and XX/XX/2023 or update this account to show paid as agreed for XXXX and XX/XX/2023 or delete this account from my consumer report for violating section 623 ( a ) ( 3 ) of the FCRA and violating section 807 ( 7 ) of the FDCPA and FTC pertaining to Notice of Dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-10
Company: EQUIFAX, INC.
State: SC
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-22
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I submitted proof of Payment to the credit bureau showing that the account with XXXX XXXX XXXX was paid in full and should be removed. The company instead changed the status to charged off as bad debt which is incorrect. I submitted my paid receipt and I am also attaching it here for your records again. This account is not charged off it is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: EQUIFAX, INC.
State: SC
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:
I have inquiries on my credit report that I have no knowledge of and I have inquiries on my credit report that were done without permissible purpose XXXX XXXX XXXX XX/XX/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 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 response to consumer: Closed with explanation