BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-11
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Someone hacked into my account and sold shares of my crypto on XX/XX/XXXX. I didn't get a notification from Coinbase that a transaction was made ; the only notification I received was that there was suspicious activity on my account ; specifically, there was an attempted ETH trading. So I received a text from Coinbase that if its not me I should let Coinbase know so they " delay '' the transaction. I did so right away and told them I havent done any kind of transaction on my account. Despite letting Coinbase know that the transaction attempt was not made by me, and that my account was " /disabled, the transaction was nevertheless not delayed ; it was completed although you knew it was fraud. 

On XX/XX/XXXX, I received an email from Coinbase acknowledging that my account was indeed hacked and accessed through an IP address. But, you explicitly assured me in the email that " your funds is still in your account since no external sends and withdrawals were made from the said IP address. '' Now we know that Coinbase 's assurance of account security was false.

Once I recovered my account by providing private information and changing my password, I noticed that my account balance went from around {$27000.00} to {$1800.00}. So, clearly, you could understand why I'm completely suspicious of Coinbase 's actions here if my account was purportedly restricted as of XX/XX/XXXX, as you explicitly assured me. If my account was truly restricted and any external sends were " delayed '' and " disabled, '' then obviously the hacker should not have been able to access my account through XX/XX/XXXX and completely liquidate my entire account balance. 

I am filling a complaint with the SEC regarding the events that have unfolded and the false security and suspicious activity on Coinbase 's end. I have proof of all the emails and texts you have sent me regarding the assurance regarding my account security. To make the matter worse coinbase took my XXXX $ remaining balance in my account to cover for unpaid funds for the cryptocurrency the hacker bought from my account and when I mentioned to them that it was the hacker not me, they acknowledged it but they still took my remaining balance. my

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-19
Company: EQUIFAX, 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:
Chapter XXXX on XX/XX/XXXX has been dismissed on XX/XX/XXXX. XXXX, XXXX and Equifax are still reporting as pending/filed. Please removed this inaccurate information from all three major credit reporting agencies. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 XXXX I was contacted by my former employer that they received a certified letter for me to their personal address. The letter was a pre legal notification from Midland Credit Management about a debt they claim I owe. I was never notified of this debt prior to this notification AND they sent the letter to my ex boss 's home! The letter said I had until XXXX to pay the {$1200.00} they claim I owe for I will face legal action. On XXXX, I called the number on the letter and spoke with 2 individuals. The first said they could file a claim for fraud when I asked if they could verify the debt with me but would not provide the documentation I asked for to verify the debt. The Second Gentlemen I spoke with named XXXX XXXX an account specialist ) was rather accusatory and aggressive in his communication with me. I asked if they could mail the verification documents to me and he refused claiming I was " only trying to buy time ''. I repeatedly told him I am happy yo pay a debt I owe, however I am unaware of what this is and would like to just verify the information. He continued to be combative and unhelpful. He said they could email the documents to me but would not mail them BUT he would also not do that either. He directed me to the Midland website and said all the verification docs would be there. I logged on after I got off the phone with him and the ONLY documents available to view on their website for this particular debt are billing statements from XXXX and the letters sent from Midland that were mailed to the wrong address. 

During my conversation with XXXX, he acknowledged that they sent the correspondence to the wrong email and mailing address. He then said " Is that our fault that XXXX sent us two addresses? You can not blame us for that but we did send mail to ********* which you have said is the wrong address. I understand... but we did send mail. '' He claimed that even though the correspondence was sent to the wrong address multiple times the debt was still verified. He also continued to harass me about why my old boss didn't previously reach out to me regarding the other letter they sent to his house. He continued to ask that question multiple times after I said to him that isn't his concern and they should have sent all mailings to MY address rather than the address of my old boss. The information he disclosed on the call leads me to believe this is not my debt but these debt collectors refused to send ME the documents they sent someone who is not the alleged account holder. This seems particularly predatory to knowingly send debt collection correspondence to the wrong address and refuse to send that information to the correct address. This tactic seems insidious because they are unwilling to pause their legal pursuits to PROPERLY verify that this debt belongs to the person they are threatening to sue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX/TD Account Type : Credit Card Account Verified : XXXX Hight Balance:XXXX I payment on time, and payfull Balance, Why closing my account! No notification

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NY
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:
Equifax XXXX XXXX XXXX I have contacted the credit bureaus several times to make them aware that the one late payment posted on my credit reports is incorrect. Ive contacted the merchant of the credit card company ( XXXX XXXX ) who agreed that it shouldve not been reported as a late payment by bureaus and I asked it to be removed effective immediately as its incorrect and untrue false reporting by breaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to process a temporary lift of a security freeze on XX/XX/XXXX on my Equifax credit report to apply for a credit card. I have the confirmation paperwork that Equifax sent me on XX/XX/XXXX when I initially placed the freeze on my credit report, which includes the PIN number required to lift or remove the security freeze in the future. I first attempted the lift by phone. The system never asked for my PIN number and tried to verify my identity by asking questions about accounts that did not apply to me. They never asked about accounts that are actually on my credit report to verify my identity. They then said that they can't process my request and that I have to mail copies of sensitive documents in the mail to process the request. That is a major security issue and I should not have to do that since I have the PIN number required to lift the freeze. I also tried to process the lift online and got the same result. I will not risk my identity by sending sensitive documents by mail when I have the PIN number required to lift the freeze. Equifax should only lift the security freeze with a PIN. If an identity thief knows my personal information without my PIN, he/she can lift my freeze and steal my identity. My paperwork says that the security freeze can ONLY be lifted with the PIN number I was provided. It should not be lifted ANY other way. That is a huge liability issue for Equifax if an identity thief unfreezes my credit report without my PIN number. This issue needs to be corrected so that I can manage my security freeze by phone or online with the PIN number I was provided with. If Equifax was serious about people 's security, they would not be bypassing the PIN number system that was put in place to protect consumers with security freezes. As it stands right now, my Equifax credit report is permanently frozen for life since I am unable to manage the freeze. Sending sensitive documents in the mail is NOT and should NOT be the solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: NV
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 following ITEMS. 
( Original Creditor : XXXX  ) XXXX Balance : {$1100.00} ; XXXX XX/XX/2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-11
Company: Waypoint Resource Group, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021 a collections company called Waypoint placed a derogatory mark on my credit report for a {$460.00} bill to XXXX communications. 

Having no knowledge of this debt, I called waypoint and spoke to an employee there who looked up the debt. She told me this was for another " XXXX XXXX '' with an address associated with a XXXX XXXX XXXX, UT address, of which I have never lived in. She then asked for the last 4 digits of my social security number and said that they didn't match the account in question.

I was then told to speak with a supervisor so that it could be removed. I've since called on 5 different occasions throughout the months of XXXX and XXXX to speak to a supervisor. Everytime I call there isn't one available, and even though I've left multiple messages, I never receive call backs. And this still shows up on my credit report. 

I've also sent a formal dispute through XXXX but they sent me a letter saying that the charges were " accurate '' even though they don't belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have no idea who AFNI INC is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. AFNI INC is indicating that an account with the account number XXXX was opened with their company in XX/XX/XXXX. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I sent a request to AFNI, Inc via certified mail XXXX XXXX XXXX XXXX XXXX and AFNI, Inc has not responded and did not provide the information requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt.

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized AFNI INC as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ AFNI INC } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to AFNI INC, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice.

* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.

* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I took out two loans with Wells Fargo ( Wachovia at the time ) and used my house as collateral. As time moved on, in or around XXXX, suffered financial hardships like many people here in the country were experiencing and filed for a loan modification with the bank. ( Wells Fargo ). I was verbally told that I qualified but needed to fill out the appropriate paperwork which I did. Meanwhile, the bank began aggressive pursuit of filing for foreclosure of the property. After sending in the documents I was told on multiple occasions that certain pages were missing which I highly disputed. Eventually they acknowledged receiving all of the paperwork and would give me a decision shortly. Meanwhile the foreclosure court date was getting closer. Approximately a month before the court date I received a letter stating I did not qualify for a modification because my GROSS income was XXXX cent, yes, XXXX XXXX which was vehemently false as my tax returns would verify. I filed an appeal to no help and was essentially forced to short sale the property which was heartbreaking to myself and my mother who co-signed on the loan. In XXXX I filed a complaint directly with the bank and they reiterated the same reason. Subsequent to seeing the the lawsuit brought on by your agency for the same issues I reached out to the bank on two occasions this year. ( XXXX ). On the first call and requested review after about 10 days the bank specialist told be they closed by complaint with no further actions to be taken because they couldn't find my account number. I followed up in XXXX of this year and provided an account number which they claimed will be used to do reasearch while opening up a new complaint. I was told they'll have a decision within 10 days but around the 8th day the rep called and said they'll need to XX/XX/XXXX. On XX/XX/XXXX I received an express envelope with all of my loan documents as well as a copy of the denial letter from XXXX which stated my GROSS income was XXXX cent. No additional research or review was done. It feels like I am being victimized and defrauded over again and Wells Fargo is refusing to accept accountabilty and properly compensate those whom they willfully and purposely defrauded. I would like to be compensated for the fair market value of the home ( approximately XXXX as well as for punitive damages )

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 2023-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I got a report from my credit bureau that had been sent to them by Bank of America. The report caused my credit score to take a giant dive. BofA felt the need to send a whole report because I had applied for a loan of {$500.00} from them and been refused. Couldn't they just report the refusal like everyone else? I'm not sure why they felt it was necessary to pound someone's credit score into the ground after offering a quick-fix loan to make it to the next payday. It doesn't really seem like helping was their intent. This is the second time they have done this to me ; although, this is the first time I have had access to the information they were sending out about me. The report has complete untruths on it and reports things that were not already reported for a reason. Bank of America obviously feels free to report whatever they wish and thinks they have no responsibility to be accurate. What they are doing is unlawful and spiteful. If they want me to take my business elsewhere, there are other ways to go about it. 
Also, I shouldn't have to file a lawsuit or become part of one to get help. 
I contacted Bank of America and I was told they just don't know what department they have that can help me, I should dispute is through the bureau they sent it to?!!!

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 2023-06-19
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: Information is missing that should be on the report

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 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 2020-07-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020, I received a letter from Synchrony Bank stating my account ( Sam 's Club Mastercard ) was closed due to " Activity on account with Synchrony Bank indicative or high risk of failure to pay. '' I believe this action was taken illegally as a response to the COVID-19 Pandemic.

Under the Equal Credit Opportunity Rights Act, I have a right to find out why my account was closed unless the account was inactive or my failure to make payments as agreed.

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 2018-12-26
Company: DISCOVER BANK
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
I was looking through my XXXX XXXX and see I have a hard inquiry on XX/XX/2017 from Discover. This is fraud. I did not authorize it. I have called customer service a few times to get removed with nothing concrete done.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: EQUIFAX, INC.
State: TN
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:
According to 1099-c i Never received any form to file with IRS concerning this charge off. Is reporting on my credit file ..Neither the creditor reach to me concerning the paperwork to file the Debt ..this Debt report back in 2020 which they in violation bye law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
Company: TrueAccord Corp.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
TrueAccord has violated the FDCPA pursuant to 15 USC 1692C. The debt collector has communicated with me through text messages on several occasions even after I informed the debt collector that I refuse to the pay the debt. I am seeking a {$1500.00} dollars per text message ( communication ) under Telephone Consumer Protection Act. I never provided consent for TrueAccord to communicate and harass me via text message. This is a violation under the Telephone Consumer Protection Act. I stated I refused to pay the debt pursuant to 15 USC 1692C under the FDCPA and TrueAccord continued to send text messages harassing me about the alleged debt. TrueAccord has caused me XXXX XXXX and engaged in harassing behavior. TrueAccord is responsible for compensating me immediately for damaging my mental health and causing distress in my life. 



Please pay the amount of {$33000.00} which is {$15000.00} per violation ( text messages sent without my consent and served as harassment ) under the Telephone Consumer Protection Act. Twenty-two text messages were sent after I informed TrueAccord I refused to pay the debt. If this matter is not settled, I will proceed with a lawsuit under the FDCPA and TCPA in which damages may be higher.

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 2023-09-07
Company: Experian Information Solutions Inc.
State: TN
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:
According to 1099-c i Never received any form to file with IRS concerning this charge off. Is reporting on my credit file ..Neither the creditor reach to me concerning the paperwork to file the Debt ..this Debt report back in 2020 which they in violation bye law

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