BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
In XXXX of 2020, I opened a CoinBase account and invested {$1000.00} in Bitcoin through their platform. I got a new phone number about four months ago and have been unable to verify my identity through their two-step authentication process, so they disabled my account. We've tried submitting at least five " help tickets '' to get it resolved, and in each one I've offered to verify my identity by any means possible. It has only resulted in them sending us instructions that do not work at all, to which they " close '' the tickets as if they were resolved even though I respond to their " did we resolve your problem '' email with a definitive no. I've offered several methods to confirm my identity and haven't talked to a single real person and it's very suspicious that they're intentionally not letting verify my account so they can keep charging me fees for being on their platform with the hundreds of dollars I left in the account without me being able to do anything. I've read on online forums that CoinBase does this to hundreds of users by other first hand accounts. I've been denied access to my funds for nearly 5 months now. 

Here 's the most recent email word for word they sent me as a response to my most recent attempt : ( HEADER : Case # XXXX XXXX Phone number changed. I can verify my identity any way necessary ) " XXXX XXXX, Thanks for your patience while we looked for your email. It appears you have another account under the email : XXXX. For your security, were not able to provide the entire email. 

You can try using the email provided above to sign in to access your account. If you forgot your password, youll need to reset your password. You can follow the link below to do that : XXXX XXXX XXXXXXXX  Once you've signed into your account and recovered your funds, the account will need to be closed to comply with our policy of one account per person. 

Regards, XXXX XXXX '' We gave them the benefit of the doubt, tried logging into my father 's account, scrutinously searched every possible page within the account and found absolutely nothing related to another account being linked or anywhere that gave me the option to view or access my funds in my personal account. Yet another superficial response to a desperate help ticket.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have an XXXX XXXX  XXXX. I accepted the offer for this card in XX/XX/XXXX. It had an introductory interest rate of 0 % for 12 billing cycles. This was for both purchases AND balance transfers. 

On the first two statements I saw that they charged me interest on the balance transfer that I made from another card. Today ( XX/XX/XXXX ) I called to dispute this and was told that the interest rate was 24.49 % for balance transfers ( and 0 % for purchases ). I explained that the offer had been for 0 % interest rate on balance transfers. I explained that I had the 'Accounts Summary Table ' in front of me, which came with the card that confirms 0 % interest on balance transfers ( for 12 months ). A copy of this is being uploaded with this complaint. The associate I talked ( very politely ) to seemed not to believe me when I said I had that confirmation. She said that she could do nothing about this because I had accepted a card with 24.49 % interest on balance transfers. I reiterated that I had not accepted that and that I had confirmation of the 0 % offer. 

The amounts of interest that they have charged so far are {$68.00} on XX/XX/XXXX, and {$65.00} on XX/XX/XXXX. I expect that I will get a interest charge on XX/XX/XXXX too if this is not sorted out. 

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 explanation
Consumer complaint received 2022-11-03
Company: Maximus Education, LLC dba Aidvantage
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I made a lump sum payment of ~ {$11000.00} in XX/XX/XXXX to XXXX ( Now Aidvantage ) to pay off my student loans. 

On XX/XX/XXXX, I requested a refund of my lump sum payment and was informed it would take about 4 weeks to have the balance reflected back on my account, with a refund back via direct deposit after another 1-2 weeks. 

With no updates, I called on XX/XX/XXXX ( 5 weeks ) to check what's going on and was told that the refund was approved but still processing, and that it would take 6 weeks now from requested date to update the Aidvantage account balance. Since the XXXX increased, I asked if it was possible to expedite my refund in any way, and the representative said it wasn't possible. 

Called again today XX/XX/XXXX ( 7 weeks ) to check for updates as my account balance is still unchanged. An automated bot responded with a 10-12 week turn around time, more than the updated 6 week XXXX. I was able to get hold of a representative, who informed me that she needed to transfer me to someone who can help. A moment later, I was greeted by another automated bot that said it wasn't set up, and that I can no longer be helped and hung up. 

All requests for written confirmation on approvals and turn around times via email/text/mail were denied by Aidvantage and their reps XXXX Which is leading me to believe that my refund is being intentionally delayed without reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-18
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello My Names, is XXXX XXXX XXXX And I'm writing to you about this company that is report to the credit bureau. I have complained about this before. To the credit bureau they keep saying very thing is correct and I know that's not true. i need ( CFPB ) to help me with this matter. I decided to call the company. XXXX ( AKA ) XXXX. And ask them to mail me the contract that i sign and they did. I read contract and that is not my names. on the contract. similar to name but not the same spelling. And i sign a contract it would have the right spelling. and my signature would be right and not wrong like it shows.. I ATTACHED DOCUMENTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: NY
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:
My name is, XXXX, XXXX XXXX a federally protected consumer. My rights under the FCRA has been continually violated. 
Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
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: Account information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX, PA XXXX Dear, TransUnion Consumer Solutions Inaccurate Credit Reporting ( 15 USC 1681s2 ) To whom it may concern, I am writing this letter to inform you that I have notified the credit bureaus of misreporting by your company in accordance with the Fair Credit Reporting Act. According to which, as the furnisher of the information in question, you have a grave responsibility of maintaining the accuracy of that information. 

The following accounts 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 XXXXXXXX is reporting a balance when it is my understanding an reason to believe that because this debt was charged off by you that is was memorialized with a Form XXXX as proof or evidence thereof. And that because of that fact, this debt is cancelled and at least should not reflect the balance that is currently showing on my consumer file. 

This would indicate inaccurate reporting on your behalf and therefore is a violation of the FCRA by you the furnisher to continue to report this inaccurate information. Especially with the actual knowledge, notice and confirmation of the errors. 

I would demand that the accounts be removed from my credit report completely to avoid any legal recourse or action on behalf of myself by retained counsel. 

Thank you in advance, 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 2021-12-14
Company: EQUIFAX, INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have already successfully disputed the inquiries that were recorded on my credit report that were a result of bad faith and identity theft. I am now writing to invoke my specified remedy for the damages done to my life. The damage done to my credit report and credit score due to the inquiries that were on my credit score hindered my ability to make critical financial decisions for my business, which is the source of my income. The damages that were done directly impacted my XXXX XXXX XXXX XXXX, have taken away my time & energy to fight for my rights as a natural person, and have affected my family relationships due to the XXXX XXXX. The abusive practices of elaborate mechanisms who assume a vital role in determining my credit standing have been tearing away at my life. It has made living this life a XXXX and XXXX XXXX and nobody should have to go through the XXXX XXXX XXXX XXXX  of not having enough to make it each and every month that goes by. The damages done to me are worth much more than my requested {$22000.00} and I could be adding much more to the invoice I have already sent for all the hardship that I was put through as a result of the abuse and deceit, but I will settle with the {$22000.00}. The civil liability sections under the XXXX XXXX XXXX laws that I have added into the letters I have sent protect me as the consumer and hold Equifax liable to providing me with monetary remedy for the misrepresentation, XXXX XXXX XXXX XXXX  done.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-15
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX at XXXX XXXX. I went to the atm at Huntington Bank at XXXX XXXX XXXX XXXX XXXX XXXX, MI. I withdrew {$460.00} off my debit card from XXXX XXXX XXXX in XXXX, MI. I was then going to deposit the money into my Huntington Bank Account to cover my rent check which I wrote from my Huntington Bank Account. The atm sucked my money back into machine before I had a chance to take it out. I immediately contacted Huntington Bank and talk to XXXX XXXX   a customer service representative at the XXXX Branch. I was told that I would have to wait 14 days for my money to be returned because their atms are vendor fed and vendor balanced. i have never heard of this and when I contacted XXXX  a Customer Service Representative at XXXX XXXX XXXX  she never heard of this either. I had this happened one other time at another bank and they went out and checked atm and my money was sitting in back of machine. XXXX   called XXXX XXXX and was told the same thing there was nothing they could do but file a dispute and we did and he said it was taking care of. Well on XX/XX/XXXX the check was presented and I thought they would return it. I contacted my landlord and explained to him what happened and he asked me to write another check which I had my sister do ( I'm between paydays ) for {$440.00} plus {$15.00} for overdraft/return payment at his bank. Well they paid it even thought there obviously was no {$440.00} in my account. Now I am overdrawn by - {$400.00}. I should mention I did have {$40.00} left for groceries that was used towards the check. Another payment came thru which I had money for before this check payment and that put me overdrawn at - {$400.00}. I had a 24 hour grace period but being between paydays and borrowing money from my sister had nothing to put in the account. Well on XX/XX/XXXX I was slapped with a {$23.00} over draft fee leaving me overdrawn by - {$420.00} and Tuesday XX/XX/XXXX they slap me with an extended overdraft fee of {$25.00} now I'm overdrawn by - {$450.00}. Tuesday XX/XX/XXXX XXXX  from Huntington Bank Headquarters called and said they closed my case and my bank will have to dispute on their end. Are we serious? Two weeks of run around and stress. I contacted XXXX  at XXXX XXXX XXXX this morning and she filed a dispute. A {$460.00} withdrawal has cost me close to {$600.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-25
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been disputing server addresses to be removed from my credit report and experian refuses my request. I have addresses that I never lived at on my credit report. Then they asking me to send in driver license, employment checks for personal verification and I have twice and they keep emailing me stalling asking for the same items that I already sent in. My name is spelled wrong also on my credit report. My name is XXXX XXXX XXXX. I shouldnt my name 4 different time on my report. I have a right to fix and remove things that do not belong to me.

These two addresses are fraudulent XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX The address below I have asked over and over to remove it and they refuse to. Thats my grandmothers house I never lived there. 

XXXX XXXX XXXX XXXX, MI 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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureau is reporting an address and phone number on my credit report that are not mine. I have never lived at " XXXX XXXX XXXX XXXX, XXXX, VA XXXX ''. Also, my phone number has never been XXXX. This information is inaccurate and needs to be removed from my credit report. I do not want someone who checks my credit in the future to associate me with this address or phone number that I have never used before.

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 2023-09-07
Company: Conn's, Inc.
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX I called Conn 's Home Plus regarding my account. I was not aware that I was past due. I was committed to the hospital and then transferred to a XXXX XXXX. I myself was unable to make payments due to my hospitalization. I asked my mom to make sure my affairs were handled however they weren't. My mail was forwarded to my current facility in which I received collection letters. I also received alerts once my phone was given back to advise I was reported past due. The alert shows as follows : Credit Alert Delinquent Account Reported By CONN APPLIANCES , INC. Reported On XX/XX/2023 I then checked my credit report and the account shows as follows : CONN APPLIANCES, INC. 30 DAYS LATE Personal Loans {$1100.00} Status Date Reported XX/XX/2023 Payment Status 30 Days Late Amount Past Due {$45.00}. 

I called XXXX and made a payment. I advised the representative that I had been reported past due to the credit bureaus and asked if Conns did goodwill credit reporting. I stated that I am requesting a goodwill credit report update because I had never been 30 days late and was unable to pay due to my hospitalization. The representative and supervisor told me that a request was made and to call back Tuesday. However, I just called back today on XXXX and was told by two different representatives that the loan servicing department said they show no late payments and if my credit report did I had to send a copy of my report to : XXXX. This contradicts my calls on XXXX and my credit report. However, I sent the email and now I am filing a complaint. Per Conns latest email it states : XXXX XXXX ( Conn 's HomePlus ) XX/XX/2023, XXXX XXXXXXXX XXXX XXXX, Thank you for contacting Conn 's HomePlus concerning your inquiry. We appreciate the opportunity to address your needs. The 30-day credit mark is NOT reflecting on the account as it was recently changed. It will not reflect on the credit report until the account reports at the end of this month. The report that was pulled will not reflect the change. Again, it will not be updated until the account is not reported at the end of the month. If you need any further assistance please contact us at XXXX. 

Sincerely, Conn 's HomePlus My score dropped XXXX points. Each credit monitoring service I have shows me being 30 days late. I know that major credit card companies have a goodwill credit report request policy. So it is very disheartening given my circumstances and no previous 30 days late that my request can not be accommodated. 


Today is XXXX and late payment is still reflecting on my credit report, per the email sent from conns above I was advised : It will not reflect on the credit report until the account reports at the end of this month however nothing has been updated

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Someone fraudulently used my Capital One card. After I became aware of the fraudulent charges I contacted Capital One. Capital One reversed the fraudulent charges, fees and interest in XX/XX/XXXX. Capital One corrected the account status except for the months of XXXX, XXXX and XXXX of XXXX. Capital one continues to report the account was XXXX, XXXX and 90 days late for those three months. Prior to the fraudulent activity on my account my balance was {$0.00}. After Capital One corrected my account in XX/XX/XXXX, my account balance went back to {$0.00}, I did not owe any money to Capital One for the months of XXXX, XXXX or XX/XX/XXXX, it was all fraudulent charges. I have sent three ( XXXX ) letters to Capital One attempting to get the reporting of XXXX, XXXX and XXXX of XXXX corrected along with credit bureau disputes. Capital One in every identical letter has refused to correct the reporting error. I called Capital One three ( 3 ) times about the matter and spent at least 4 hours on the phone in total. Two ( 2 ) times I was told it would be corrected. Then I would get another identical letter stating they were correctly reporting the status. On the most recent call, I spoke to XXXX I.D . XXXX a Senior Accounts Supervisor who told me that even though I did not owe the money shown on my statements for XXXX, XXXX and XXXX of XXXX, the reporting of 30, 60 and 90 days late would remain as I did owe the money even though it was a result of fraud and corrected in XX/XX/XXXX. She was extremely rude and was treating me like I a piece of XXXX. I am going XXXX  XXXX crazy attempting to deal with Capital One. I was told by Capital One not to pay and was issued a new account and card yet Capital One wants to show I was late for XXXX, XXXX and XXXX of XXXX. Its crazy and like talking to a post when I call Capital One. As I previously stated, I spole to employees in the Credit Bureau Resolutions department twice and was told it would be resolved only to receive a letter in a few days telling me they are reporting it correctly. While speaking to XXXX in the Credit Bureau Resolutions dept., on XX/XX/XXXX, he said he understood the problem and said he would be offline for a minute or two to correct the error. After 5 minutes the line went dead. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-19
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
I made a purchase from Nordstrom.com evening dress for an occation on XX/XX/XXXX by the amount of {$360.00} ( Nordstrom order # XXXX XXXX. I did not get the dress because instead of delivering it to my address they delivered it to the XXXX  location and no note was left for me to pick it up. I got another dress from XXXX and went on the party and after a week while checked the order status and saw that it is hold at the XXXX location called Nordstrom and told them that I need my noney back because never got the purchased item and i dont need it anymore cause the event is passed. They checked and told me that they need to contact XXXX requesting the item back and since it is more than {$300.00} they need to get it back in order to issue me a credit. I waited then called again. Same Thing ... 
I waited again and on XX/XX/XXXX they send me an email saying that I can pick it up from XXXX location. Something I did not need and I can see on the portal by tracking the item that it is still there. I called the company again and now they are saying it is 30days passed and they can not do anything. How is it fair. Item needs to have holding time at the XXXX point and after that timeframe be sent back if is not being picked up. I am being charged money and accruing interest on nordstrom card for the purchase I did not get and use. Please help I do not know what to do.

Company response to consumer: Closed with monetary relief