BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-02
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
He sent me an amount of XXXX usdt on my wallet in Coinbase, and now they refuse to withdraw the amount. They say the currency is fake, and it is in my wallet, and I can not withdraw it or send it to another wallet, noting that the date of the transfer is on XX/XX/2023, and this is the transfer link for confirmation as well. 
XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
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: Information belongs to someone else

Complaint:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting Transunion, XXXX and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2023-06-01
Company: TMX Finance LLC
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I've sent repeated emails trying to contact this company. I notified them of my veteran status, yet they continue to charge the 152 % + in interest. I've filed for bankruptcy, and have had to seek help from VA because of XXXX XXXX. I am trying to call, and no one is responding to my calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-08
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I inherited an IRA from my mom in 2021 for approx XXXX. The bank was Suntrust at the time. Truist bought Sun Trust shortly after that. I went to the branch to fill out paperwork to take the required annual minimum distribution. I got a check for the distribution ( around {XXXX} ). Approximately XXXX weeks later I received a check for the remaining balance in my account. I went to the branch and spent XXXX hours and no one could figure out why the check was cut. They had no authorization to close my account. They were rude, never said sorry and didn't seem to care that this has happened by mistake ... .where are the financial controls. The clerk specifically said we have no idea why this check was cut. So it took along time but they got the money redeposited. Because it is an IRA, I did not want the entire amount cashed out this year because I would have to pay the taxes. 
The branch XXXX, XXXX XXXX, would not even return my calls to discuss this mistake. I decided I did not feel comfortable leaving my money at Truist so I told them I was transferring it to XXXX. Never once was I told there was a transfer fee of XXXX and since they has made this mistake I would have requested it be waived. So I called the branch XXXX again requested it be waived and she simply said nope. Can't do it. Never saying sorry for this mess or anything. In addition, during the course of having this account with them, I received letters telling me my new account numbers, that I needed to add beneficiaries, etc and the letter always said call this number. I called the number listed over the months XXXX or XXXX times, the answer I always got was you will have to go to the branch. They can't answer the simplest of questions which also made me really concerned that no one has received training. Truist needs to be investigated. I am not sure they have any idea what they are doing and their personnel are rude and untrained. It should not take XXXX minutes and XXXX people to redeposit a check.

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 2023-06-01
Company: Halsted Financial Services, LLC.
State: PA
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 Bank ( XXXX ) has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the items : XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$2900.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$200.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$210.00} XXXX XXXXXXXX : Bankruptcy Reference Number XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX ; XXXX XXXX XXXX XXXX XXXX, AR XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$1100.00} ; XXXX XXXX / XXXXXXXX XXXX Opened XXXX XXXX, XXXX Balance {$380.00} ; XXXX XXXX XXXX  Opened XXXX. XXXX, XXXX Balance {$330.00} ; XXXX XXXX XXXX, XXXX Opened XXXX XXXX, XXXX Balance {$250.00} ; XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX Balance ;

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 2023-06-01
Company: Paypal Holdings, Inc
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I received a email say my PayPal account is permanently closed because of " activity in your account thats inconsistent with our User Agreement ''. 

Having been a loyal and responsible user of PayPal for over a decade, I was taken aback by this sudden decision. I use this account primarily for my daily transactions, all of which are legitimate. Given this, I am unable to comprehend how my activities could have contravened the User Agreement. 

I have already attempted to resolve this issue via a phone call, but unfortunately, it did not prove fruitful. 

To the best of my knowledge, all my transactions have been in line with PayPal 's guidelines and policies. If there has been any unintentional violation, I would appreciate your guidance on the matter. 

Additionally, I would like to bring to your attention that my account currently holds a balance of approximately {$300.00}. As a result of the account closure, these funds have been rendered inaccessible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is information on my consumer report that is a result in identity theft. I did not provide written permission it instructions for identification transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error : or is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the information related to any transaction by me as the consumer.

Please remove the listed accounts due to identity theft XXXX XXXX XXXX XXXX {$7800.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$16000.00} ACCT # XXXX OPENED XX/XX/XXXX XXXX XXXX XXXX {$3800.00} OPENED XX/XX/XXXX XXXX {$0.00} OPENED XX/XX/XXXX PLEASE REMOVE THESE FRAUDULENT ADDRESSES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete the fraudulent hard inquiries 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 2023-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They never told me that direct depositors will need to have new routing instructions. 

I, an XXXX man, had to spend 2 1/2 hours on the phone with Capital One, and now have to deal with government agencies to make sure that the pensions go into the right account. Another nightmare caused by their negligence. 

Also, they never addressed the fact that it took a week to notify me instead of calling me immediately. 

They also did not explain why the XXXX XXXX branch expected me to carry my passport. 

Also, they could not text me on the cellphone that they forced me to buy in order to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023, I contacted Heartland ECSI, my loan servicing company for XXXX XXXX, because I had not received the billing statements sent. I received my first billing statement, took action, and called to inform an agent that I was not being billed and also let them know my address was incorrect on my bill. I was transferred to a supervisor who created a ticket and told me they could not service my loan even though they were the servicing agent for my loans ; this was due to restrictions placed by my school. 

I then logged into Heartland 's website and paid {$240.00}, the current amount due, less a late fee. The next day XX/XX/2023, I was called by a representative of XXXX XXXX who told me the late fee would be reversed, and my loans would be marked current since I was not billed. Today XX/XX/2023, I logged in to ensure no payment was due since this is the billing cycle, and I am being rebilled the {$270.00}, and the loans are delinquent. This is not the information I was told and should be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: Experian Information Solutions Inc.
State: AR
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 was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

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 2023-08-17
Company: Experian Information Solutions Inc.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: TrueAccord Corp.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep receiving multiple text messages and multiple calls from true cord debt collector. I called and asked to please cease and desist any and all correspondence, and please to only contact me via mail. Even after this, I still have received text messages and calls. I even emailed the email that it says to contact and they still will not leave me alone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: DISCOVER BANK
State: WA
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:
on XX/XX/XXXX and XX/XX/2023 $ XXXXand {$4000.00} were fraudulently charged to my discover account a music store in XXXX Georgia Discover notified me and closed that account and opened a new card they had removed the fraudulent charges several days later they put the fraudulent charges back on my new card throught XXXX they removed the charges and added them again XX/XX/XXXX a different girl removed the charges my balance was correct she issued me a new card sent it XXXX XXXX my balace was {$3300.00} the next week was fine around the XXXX my balace was {$9000.00} i called and a girl read a prepared statement saying that i was responcible for the {$5000.00} on my card the card only has a {$4000.00} limit she stuck to her guns apparently a supervisor thinks i am in on the fraud I have never committed a crime their other reason they gave me is that they had already credited that {$5000.00} so the balance was my responcility i paid my card on time and never violated Discover at any time this is ridiculous

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: LEXISNEXIS
State: FL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is a repeated caller claiming to be 5/3 Bank and saying they are calling to get payment on an auto loan. The number is XXXX. It calls daily, weekdays or weekends. I'm asked to give personal information, such as my birthday. 

I have checked with 5/3 Bank and its representatives. They say this is a scam call. 

I've told the person- it's a real person on the line- not to call me. They continue to do so. It needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: GA
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 2022-03-09
Company: EQUIFAX, 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 previously sent my written request to Equifax about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items and inquiries or have Equifax get back to me with regards to the issue. Here are the items that concern me : US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} US DEPT ED XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # XXXX To whom It may concern : I recently received a copy of my credit report and found proof that you are illegally reporting inaccurate information about me. The following alleged collection account is not only listed as being OPEN, but also as having a PAST DUE BALANCE of {$4200.00}. This is a violation of the FCRA and is in violation of requisite METRO2 Complaint reporting standards. According to the Fair Credit Reporting Act I have a right to a completely accurate credit report, and you a required to remove any information that is not true, verifiable and accurate. Please IMMEDIATELY remove this account from my credit report and send me an updated report showing your compliance with all METRO2 reporting standards and this account removed upon completion.

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 2023-04-21
Company: Mid-Atlantic Finance Co., Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XX/XX/XXXX XXXX was paid XXXX for the XX/XX/XXXX payment was paid And still willing to make payments The reason i haven't paid the other payments Due to my job paying me bi weekly My hours was short due to staffing issues I'm pursuing legal action due to harassing phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and needed to be deleted from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 
According to the Fair Credit reporting act 1681s2. Responsibilities of furnishers of information to consumer reporting agencies 2 ( a ) ( 1 ) ( f ) of the FCRA you are required to promptly report the credit obligation/account as current if the furnisher makes an accommodation defined as an agreement to defer 1 or more payments, or forebear any delinquent amounts.

Company response to consumer: Closed with non-monetary relief