BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-28
Company: Coinbase, Inc.
State: KS
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On the XXXX of XXXX. 
Merchant name : XXXX XXXX XXXX Date/time of transaction : XX/XX/XXXX - XXXX Transaction amount : {$280.00} Dispute amount ( must include original transaction amount ) : {$240.00} Was your physical card compromised? No Is the card still in your possession? Yes Was this a recurring payment? No Have you purchased from this merchant in the past? No Have you tried to contact the merchant to resolve? Yes What merchandise or service ( please provide a detailed description ) was ordered and when was it expected to be received? it was an ATM withdrawal and expected to receive the cash immediately but the machine only dispensed {$40.00} out of the {$280.00} that I requested. 

On the XXXX of XXXX. I received this email from XXXX XXXX ( XXXX Support ) Hello XXXX XXXX XXXX, We've completed our investigation of your dispute for the transaction of {$240.00} made on XX/XX/XXXX at XXXX XXXX XXXX. 
We're happy to inform you that the dispute has been resolved in your favor. 
The provisional credit you were given on XX/XX/XXXX for {$240.00} is now a permanent credit as a result of the ruling in your favor. 
We appreciate your business and please don't hesitate to reach out with any questions. 

For more information, see our Coinbase Card help article XXXX XXXX XXXX XXXX  Regards, Coinbase Support There was never any provisional credit issued to my account at any point in time and thats for the whole time I have had an account. I have replied to the email numerous times and get no response. I have talked on the phone and online chat with coinbase support and they tell me that they will create a ticket, escalate my concern, and other standard support agent responses that lead no where. I mean it shouldnt be that difficult for them to handle youd think. The investigation is concluded and ruled in my favor therefore why is it taking so long to credit my account and why lie about already doing so?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: Experian Information Solutions Inc.
State: MD
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 the several times I've complained about being a victim of identity theft. You must remove/block any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX, XXXX XXXX XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$3300.00}, XXXX XXXX Balance XXXX {$910.00}, XXXX XX/XX/2022

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 2023-04-07
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I received a text message from XXXX XXXX XXXX XXXX XXXX  ) that a credit card application was approved. I XXXX  XXXX 's phone number to call and inquire if this was a phishing scheme or someone stole my identity. They said someone indeed did steal my identity and tried to open two fraudulent accounts. After resolving the issue with XXXX, I logged into each of the three credit bureaus to look for other hard inquires/issues that might have come up. Within Experian, I found that that my account was hacked -- someone updated, in my personal profile, my phone number and email address to something that was not mine. It sounded like the phone number matched the one that was used to open the fraudulent credit cards. Experian makes it impossible to get a live agent on the phone. After multiple calls and the headache of their robotic phone tree, I was finally connected to a live agent. I had a very hard time understanding what the agent was saying, and the agent said they couldn't transfer me to someone who was easier to understand. To my understanding, they said they would deactivate my account and that I would need to submit documents to get it reinstated. I want to be connected to someone who can actually support this process and can assure me that my account will not be hacked again. By updating my email address in my profile, even if I try to change my password, the hackers can quickly " recover '' the account back to them.

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 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I am XXXX XXXX and there is no third party involved. I am filing this compliant for misleading false reporting 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 non-monetary relief
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
State: FL
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:
I am XXXX XXXX and there is no third party involved. I am filing this compliant for misleading false reporting 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 2021-12-28
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: Their investigation did not fix an error on your report

Complaint:
I have a Bankruptcy reporting on my XXXX, Exquifax, XXXX and XXXX. 
This information that they are report is not true and they need to delete it. I have send in the letter from the US Bankruptcy Court Clerk XXXX XXXX XXXX # XXXX, XXXX, NC XXXX on XX/XX/2021 and have not received a replay or removal from the Credit Bureau listed above. The letter I received from the Courthouse states that they do not report Bankruptcies to the following Credit Bureaus and they are reporting incorrect information that is ruining my credit and chance to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXXXXXX XXXX XXXXXXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 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 2021-12-04
Company: Experian Information Solutions Inc.
State: KY
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:
the XXXX XXXX XXXX XXXX would not update the payments like they where supposed to end up adding a lot of missed /late i have proof that i have been paying on it but they added another on me it was not late for sure i paid it way before then and they still ant updateing it i need to see if we can get them late payment remove cause this ant right it should not take them 30days or more to update payments dragging me to late payments on my reports over them not updating them

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 2022-12-06
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX continues to report to credit bureau XXXX XXXX. 
The name under which this account contract was with is not the correct name. 
Also to report me as delinquent for all these years and then send me a annual valued cardholder letter is business fraud. This is harassment and evidence that reporting activity is in violation of FCRA standards.

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 2021-12-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I received a notice in the mail from Portfolio Recovery Associates, LLC Stating that they are responding to my dispute with documents that would prove the account in question was valid. ( I have the documents attached. The documents they sent were bills and statements. This is a violation pursuant to 15 USC 1692g - Validation of debts which states the 5 requirements that validate a debt. It does not once mention a bill or statement. This is a XXXX $ violation per each action pursuant to 15 USC 1692k- Civil Liability. This company has mailed me on over XXXX different occasions after I sent them a cease and desist letter without even sending me the proper documents. That places them also in violation pursuant to 15 USC 1692c ( C ) Ceasing communication this is another XXXX $ violation. I am seeking damages because this company will not comply with federal law and it will not invoke my specific remedy to resolve this issue. Attached I have proof I sent them a cease and desist. I also have proof they sent me bills instead of the XXXX requirements under 15 USC 1692g. I also have proof that this company keeps sending me mail every month after they received a cease and desist. This company is also reporting this information to atleast XXXX other companies without my consent or proof it has been a judgment against me according to 15 USC 1681b- permissible purpose this is another violation. I have proof of cease and desist attached with the return receipts to prove they received them. They sent me letters on XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX all are violations XXXX $ per occasion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Credit Management Control, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent numerous letters to have this company to be removed. 

Original amount : {$530.00} Alleged past due : XXXX Theyve been hurting my credit report. As of now and then.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
Ive contacted and disputed a public records listed on my credit report that does not belong to me. There are also other errors in the credit reporting from XXXX XXXX. XXXX XXXX and Experian has refused to remove these items has not produced any proof of verification and will not allow me to access my credit report or make any further disputes. I was told in order to have access to my credit report that I had to cancel my dispute. I informed them they are violating the law and they have refused to remedy the situation. I contacted them online and via phone and they have done nothing to rectify the situation with removing derogatory items from my credit report or allowing me access to a copy of my report online or via phone.

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 2021-12-28
Company: TRUIST FINANCIAL CORPORATION
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
vehicle was purchased in XX/XX/2014. XXXX years of payments and the balance has not been reduced at all. Beginning balance was XXXX balance as of today 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 explanation
Consumer complaint received 2021-12-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company emailed me with no prior notice stating they closed my account without prior consent. They also stated the reason was because of a recent credit check which I also had not authorized.

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 2023-01-06
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 

PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
EOSCCA has been reporting my account as late each month. This account was purchased from XXXX making it no longer eligible for a monthly set amount or late mark. I have disputed this many times to no avail. The account was originally paid in full with XXXX prior to it mistakenly being sold off to EOSCCA. I disputed this item and now it is showing as late every month rather than closed or paid off. This is in violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: WELLS FARGO & COMPANY
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I found a vehicle on XXXX on XX/XX/XXXX. I communicated thru XXXX with the seller ( XXXX XXXX ) and he contacted me the morning of XX/XX/XXXX. After communicating via email XXXX his email address is XXXX XXXX, I decided to purchase the vehicle, which was a XXXX XXXX XXXX. I viewed the XXXX  XXXX and the VIN and vehicle history checked out. According to XXXX XXXX, he was out of the country. The vehicle was his XXXX 's and he preferred to use a broker to finalize the sale. The money would be wired to them, they would hold the money until I received the vehicle, and after 7 days if nothing was wrong with the vehicle, the sale would be final. The purchase price included shipping to me in XXXX, SC. So, the afternoon of XX/XX/XXXX, I wired the money to the auto broker 's account with XXXX. I was in contact with XXXX XXXX, who was the sales manager with XXXX XXXX XXXX XXXX. He sent me a Bill of Sale, I signed it, and sent it back to him vie email. he then sent me wiring instructions, and I went to my XXXX XXXX branch and wired the funds to the XXXX account referenced in the wiring instructions. I was then in contact with XXXX XXXX thru XX/XX/XXXX. That was the last day I spoke to either party. I emailed and called them with no response. On Sunday, XX/XX/XXXX, I searched the sellers email address on XXXX and his email address was mentioned over 10 times, quoting the exact words to me in his email, but for different cars. The next morning I called XXXX, got in touch with a man by the name of XXXX in their Wire Fraud Department. I told him what happened, he froze the account and advised me to get XXXX to send him a Hold Harmless Letter so they could send the funds back and also he would send a SWIFT message to them to let them know what happened and that this was possibly a fraud attempt. I then went to see a banker in the XXXX XXXX branch of XXXX XXXX by the name of XXXX XXXX. He started a claim for me because it was an in-branch transaction. It is XX/XX/XXXX, and XXXX XXXX refuses to send XXXX the information they need to release the funds back to me. They claim they have tried 5 times to reverse the wire, but this has all come after XXXX froze the account. I have been advise to file a fraud claim with the FTC and to file a police 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 2023-05-31
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: Account status incorrect

Complaint:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is 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 explanation
Consumer complaint received 2021-12-28
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi I am writing you because I have experienced some issues with my bank which is with Chime and on XX/XX/XXXX & XXXX my money was taken from a hacker from my account and was not authorized by me I have filed a dispute with chime and filed a police report proof of authorization showing it and still nothing and they keep saying they not giving my money back and I feel like my money is not secured and I feel chime should be accountable for this cause its ridiculous that my money I worked hard for to be taken away like that if theres anything you can do for me it will very much appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
I received an email that had the wrong SSN and wrong information with my name attached to some accounts on my credit report. The statement in EXPERIAN wasn't made by me which makes the information is fraudulent and I demand that each account be deleted immediately. The statement in the EXPERIAN report wrong numbers asking to verify information to me using wrong phone numbers and adding wrong XXXX numbers. 
The accounts that are not mine : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX My correct information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH 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