BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-03
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 my Coinbase crypto currency account was compromised. I immediately reached out to Coinbase and my banking institution to inform them that my account with Coinbase appeared to be hacked. My bank put measures in place to not allow a pending fraudulent transaction. Coinbase on the other hand has been virtually impossible to deal with. Coinbase first and foremost will not talk with me ( or any customer ) they are 100 % email only, so this creates some time urgency issues. Next, Coinbase allowed the " hacker '' to change the phone number and email on my account without any legal ID, which is very unusual in the case of secured online accounts as the email and phone are typically the proof of account ownership. I have literally sent Coinbase 20+ emails seeking resolution and explanation. After 48 hours I receive a reply that either asks me for duplicate information I have already provided or the reply email does nothing to move issue forward. I am no where closer to resolution and retrieval of my {$10000.00} in assets that Coinbase holds. I am more than frustrated at this point and really need some assistance in getting my account straight. I have recreated a new account per Coinbase request but the account has zero balance and my account balance was over {$10000.00} prior to this situation. I am unable to get any resolution on this matter. Please help, I would be more than happy to provide all emails I have provided to Coinbase and their reply or if needed I can better explain via a phone call. My cell is XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: Experian Information Solutions 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 XXXX 's XXXX 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  Date Updated : 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 2022-01-03
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, Equifax, and XXXX about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have a Cash reward Bank of America credit card. I paid off my balance in full the day before my due date. I was charged interest for a {$0.00} balance statement. No where on my statement does it state that there would be an x amount charge additional. In all the statements they should provide an pay off in full option by a certain date to not be charged anything extra.

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 2021-12-09
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
What is tax evasion? " The illegal nonpayment or underpayment of tax. Florida has strict rule when it comes to taxes on a deed or mortgage. See Florida statutes 201.08 ( 1 ) ( b ), 199.282 ( 4 ). " No mortgage, deed of trust, or other lien upon real property situated in this state shall be enforceable in any Florida Court ... .until the nonrecurring tax imposed by this chapter, including any taxes due on future advances, has been paid and the clerk of circuit court collecting the tax has noted its payment on the instrument or given other receipt for it. '' For further clarification, see Florida caselaw XXXX XXXX XXXX attached herein. A lender has no enforceability in any Florida Court room when the intangible & stamps on a deed are not paid. The attached loan modification reveals that the intangible & stamps were not paid on the loan increase and therefore has no enforcement. Yet a judgment was acquired by the bank and is illegal to say the least because the instrument does not have any enforceability in this state but worse than that, Chase has evaded taxes that are due in this case. The investigator who worked on my case realized that hundred of thousands of loan modifications that contain new money or loan increase, taxes were not paid. It appears on its face Chase is evading taxes and the matter should be investigated by the Department of Justice. The investigator has enough proof to go after Chase for tax evasion. The consumer financial or law enforcement should contact me directly on this. The property is being sold on XX/XX/2022, yet Chase never paid taxes due and the instrument is deemed unenforceable. Action is whereby required this is tax evasion!!!! wake up consumer financial protection, wake up!!!! tax evasion!!!!! wake up!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
As by Law, under 15 U.S Code 1601- Congressional findings and declaration of purpose. The information use of of credit result from an awareness of the cost thereof by consumers. it is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit. and to protect the consumer against inaccurate and unfair credit billing and credit card practices. I noticed some items on my credit profile as I do not recognize and inquiries that I am not familiar. I already contacted XXXX, XXXX, and Experian about this error and still haven't received anything from them. I am asking seeking help that this account be Deleted and Blocked from being reported on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My credit card had two fraud transactions on XX/XX/XXXX in the amount of {$31.00}, the only transaction ending in # XXXX was on XX/XX/XXXX in the amount of {$25.00}. The transaction was on XX/XX/XXXX in the amount of $ {$450.00}. the card number is # XXXX. I did not use this card since XXXX and I didn't recognize these two transactions. I received the email about the cred card statement indicating the total amount of {$480.00} on XX/XX/XXXX. I went to the bank of America branch bank located at XXXX XXXX XXXX XXXX, NY XXXX XXXX and the bank receptionist provided XXXX to call. I called that number after I stepped out of the bank and it was XXXX XXXX and the representative told me they would need 7-10 days ' investigation. I received a mail after that and it showed the bank '' we're unable to approve your recent claim ''. I called the bank to report the card lost on XX/XX/XXXX because I couldn't find my credit card ending in # XXXX. 

I called Bank of America 's credit card fraud department on XX/XX/XXXX for a second investigation and they want me to wait 7-10 days for the result ; however, I have never received an email or mail of the investigation result. I called them on XX/XX/XXXX regarding the same issue and I was told the second investigation was denied, the representative told me if I don't make the payment amount of {$480.00}, that would affect my credit. My response was " those two transactions were not made by me and I didn't authorize any of these two transactions '' I repeat the same thing over two times ; however, the representative was very rude. I went to the branch bank on XXXX XXXX for the same issue again but the issue still wasn't been resolved. 
XX/XX/XXXX I went to the local precinct to file a report ; however, I was told that I couldn't file a report unless bank of America requested. 
XX/XX/XXXX I went to the store XXXX XXXX on XXXX XXXX XXXX XXXX, NY XXXX for the on XX/XX/XXXX in the amount of {$31.00}. the store manager told me they couldn't find that transaction. I went to XXXX 's for the transaction on XX/XX/XXXX for the amount of $ {$450.00}. On XX/XX/XXXX I called XXXX 's at XXXX and I found out this transaction was made by store purchase. Bank of America didn't investigate these two transactions.

During these two transaction times, I was working so I wouldn't make these two purchases. I have been making many phone calls and trying to resolve this issue but the bank wasn't helping at all. For all these times I have been doing wasn't getting any help at all.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I did not not give Equifax permission to allow these corporation to obtain my credit report. There was no permissible purpose for my credit report to be disclosed to the following corporation on these dates XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. Equifax has violated my consumer rights by furnishing my credit report to these corporations without my permission or permissible purpose. Equifax is in violation of 1681b ( c ) ( 3 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: Experian Information Solutions Inc.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-14
Company: Experian Information Solutions 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 6th endeavor to tell EXPERIAN AND XXXX 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. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/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 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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 disputed inaccurate information on my credit report with TransUnion : XXXX XXXX XXXX XXXX PA XXXX XXXX : XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX XXXX GA XXXX With results that I'm not satisfied with because I have sent in Factual information to support my claim as information not being accurate and to be removed from my credit reports

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 2018-04-28
Company: TRANSWORLD SYSTEMS INC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Noticed a medical debt collection on my credit report last year. Created a dispute in XX/XX/XXXX at which time Transworld Systems Inc. came back to find that the debt was indeed owed and would remain on my account. I noticed a 2nd medical debt from the same doctors office pop up in XX/XX/XXXX at which time I contacted the office and went to retrieve documents to prove the debt was never sent to collections and indeed paid in full with a balance of {$0.00}. 
The first debt has been reporting on my credit report for 9 months + and the company refuses to take off all the derogatory marks. I do NOT want this updated to {$0.00} I want all the remarks removed. I haven NOT been in collections over this bill therefore it should be deleted completely from my credit profile. 
The 2nd debt was just reported on XX/XX/XXXX. SAME doctors office and the bill was paid on the same day as the previous bill. {$0.00} balance with the office yet I continue to receive nasty threatening letters, phone calls and reporting. Please HELP!!!! This company has NO business handling collections or accounts for anyone. They are trying to scam me into paying them almost $ 1K. I want all of this taken off my credit report. I have uploaded these documents to the credit bureaus but was told Transworld Systems Inc. does the investigation and provides the results to publish on credit reporting. They are SCAMMERS and clearly trying to take money and peoples credit abilities. This is unfair. I have to spend my time chasing companies to help me get this resolved when in fact I OWE NOTHING to the original creditor and Transworld Systems INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting accounts as unconfirmed information without producing proof within the legal time range. 

XXXX XXXX XXXX XXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXX Balance : {$360000.00}.

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 2023-04-29
Company: EQUIFAX, 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 OPM data breach as well as Equifax 's XXXX 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 XXXXXXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: OH
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 tried to dispute these hard inquiries on phone with each credit company but they have not done anything for XXXX days. it is causing my credit to decrease tremendously. i am already under XXXX  for XXXX  years so that makes it hard for me to get collateral in my name so with these false accounts on my credit report, it is almost impossible to get a credit card to build my credit because of XXXX so i dont know why they are not disputing these negative and hard inquiries that dont belong to me. could you all please let me know what to do next so i can be in a decent standing with my credit. i have done everything knowledgeable to do. this is my last step.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about  XXXX   2017 , I noticed that a  XXXX  phone bill had appeared on my credit files. I requested that   XXXX   validate the debt and send me a copy of the application, or contract that was used to open this account. They never replied back to the validation letter. Now Enhanced Recovery Co is coming after me. I have continued to request that they validate and they continue to allow this to report on my files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-05
Company: ALCHRO INC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity was stolen and I have a bunch of accounts in collections. My credit score is crushed! 

XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00} XXXX XXXX XXXX XXXX XXXX - XX/XX/15 - {$75.00}

Company response to consumer: Closed with explanation