BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-08
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Utilizing Coinbase as an exchange for cryptocurrency, I was hacked out of more than {$40000.00} USD on two separate occasions and was hacked without losing any cryptocurrencies once prior. In all three incidents, there was an automatic/unauthorized sending of all crypto currencies in my account immediately upon logging in. During the first hacking incident there were crypto conversions that were made without me making them. Further details and timelines are as follows : The following transactions occurred on XX/XX/XXXX without my consent : [ e-mail at XXXX ] You have successfully sent XXXX XXXX to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX XXXX ( {$0.00} USD ) in network fees. 
[ e-mail at XXXX ] You have successfully sent XXXX ETH to XXXX. You can view transaction details in your Coinbase account. To facilitate this transaction, you paid XXXX XXXX  ( {$14.00} USD ) in network fees. 
Unauthorized Bitcoin address on XXXX XX/XX/XXXX for XXXX XXXX : XXXX The only way to receive any kind of help is through Coinbase E-mail system. There were many times that I replied to their e-mail only to get a " Non-Deliverable '' notification back. It took several other tickets for them to combine ticket numbers before I was successful in replying to their e-mail support. Needless to say, their support is almost non-existent. Their response to these malicious hacking attacks are that I'm responsible for my own security of my account, and that there is no breach, fault, or obligation on their part to safeguard customers '' accounts. I have done everything they suggested, including reaching out to my phone carrier for any security breaches to my phone ( no breaches have been made in that area ). I have not been the only that has experienced the litany of frustration dealing with Coinbase, yet they continue to operate as a business rendering no restitution to many of their customers. 

The last bit of salt in the wound is that there is approximately {$130.00} left in my account in a cryptocurrency that I can't recover because the amount is too small to transfer. I would have to add more money to my account, and then transfer all of it out at the larger acceptable amount. There is an obvious problem with this because the funds would most certainly be hacked and stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection agency named NCB Management Services Inc has contacted me several times over the last two years regarding a debt of {$3500.00}. I sent them a certified letter on XX/XX/2021 asking them for proof that I actually owe this debt. The letter sent is attached as well as USPS Certified Mail Receipt and tracking information showing letter was delivered. In the letter I asked for an original contract from the company that they purchased the debt from as well as any and all information they used to determine I in fact owe this debt and the method they used to verify this. They replied via letter mailed by USPS that I received on XX/XX/2021. They did not provide any proof or verification that I owe this debt. They simply stated in the letter that they investigated my notice of dispute and couldn't substantiate my allegations. They did not provide any means of how they came to this decision or any documentation showing the debt is mine. I feel this is unacceptable and a violation of the FCRA. I have enclosed the response letter from them. This collection has not been validated as mine, there is no proof the debt is mine and no explanation as to how they came up with this decision. This company is reporting this frivolous claim to the three credit bureaus and has affected my credit and ability to obtain a mortgage. I feel this company must either prove this debt is mine with documentation showing I was in fact under contract to pay this amount or they need to have this collection deleted from all three credit bureaus. Simply stating they investigated it without showing me any proof they did investigate it as well as no proof I in fact owe this debt is not valid nor acceptable and is a violation of my rights under the FCRA guidelines. Please investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: PNC Bank N.A.
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Hi, I got charged by my bank ( PNC ) for a cash advance fee for an " overdraft '' protect feature which I believe had already been turned off. 

I over drafted my checking account on XXXX, and immediately fund the account as soon as I realized it. The bank funded my checking account by drawing a cash advance from my credit card account via overdraft protection feature and charged me a {$170.00} cash advance fee. I believe I've already disabled this feature. I called the bank asking about the charge, 2 persons, one from checking and another from credit card, both told me that they saw the feature was off - they escalated the issue. However, when the representative from the escalation department called me back, he wasn't able to resolve the issue. 

The cash advance fee was way higher than what i would have been charged for overdraft. Not sure why the bank would even call it protection. The bank didn't notify me when my account was overdrafted until the next day, otherwise i could have fund the account immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-12
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Trying to sell house and payoff mortgage. Having difficulty in obtaining payoff amount from loan servicer, Fay Servicing. They have used delaying tactics in providing, asking for multiple documents and extended time to respond to request. I am executor of estate, Va. Court qualified, of the original borrower. Fay initially ignored request from law firm handling the closing. The initial request was started in XXXX with a requested closing date of XX/XX/2021 which Fay did not honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: National Credit Adjusters, LLC
State: CA
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:
National Credit Adjust has reported a alleged collection account on all three of my credit reports. I have already taken care of this alleged debt with the former debt collector because this was a case of identity theft. Also this debt is past the statue of collectable as it is past seven ( 7 ) years. National Credit Adjust has not responded to my letters for validation of debt and has violated the Fair Debt Reporting Laws and the Fair Debt Collection Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
REFERENCE # XXXX | I am writing to express my deep concern and frustration regarding the recent denial of my application for the Sam 's Club XXXX XXXXXXXX, issued by Synchrony Bank. I recently received a denial notice citing " Insufficient Credit from trade references '' as the reason for rejection. 

I must vehemently object to this reason, as it is not only inaccurate but also a clear violation of my rights under the Equal Credit Opportunity Act ( ECOA ) and the Fair Credit Reporting Act ( FCRA ). Both statutes mandate fair and accurate reporting, as well as the provision of equal opportunity for credit. 

Furthermore, I would like to bring to your attention that the denial notice provided to me did not comply with the requirements set forth in 15 USC 1611 and 15 USC 1681m of the Fair Credit Reporting Act. The notice not only failed to identify the source of the information used in making the adverse decision but also neglected to disclose the name and address of the consumer reporting agency ( CRA ) that provided the report. These omissions are direct violations of federal law, which mandates that consumers be informed of the sources and CRAs providing information that adversely affects their credit applications. 

My credit history spans over a decade, with an impeccable record of on-time payments across various trade references, both on my business credit profile and personal credit profile. This includes a flawless track record of never missing a single payment. Therefore, the claim of insufficient credit is unfounded and contradicts the information present in my credit reports ( false information ), which according to 28 U.S. Code 4101 is clear defamation of my character and also illegal.

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 2023-08-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2023-03-22
Company: Continental Finance Company, LLC
State: CA
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: Problem with personal statement of dispute

Complaint:
On XXXX the due date.. a check ( # XXXX ) was written to XXXX XXXX ( Continental Finance ) in the amount of {$61.00} ( {$1.00} over the minimum payment ). On XX/XX/XXXX I called to see if the check was cleared..the recording stated that the check was received and that I had a {$61.00} credit and cash limit available. I checked my checking account to see if it was posted..for 7 days it did not post. 

Yesterday XX/XX/XXXX I received a call from Surge XXXX requesting a payment due..I inquired of what happened to my check..I was told that the check was returned and to check with my bank.. subsequently I did so and my bank ( XXXX Bank ) stated that no check has been returned. And again I spoke with a XXXX XXXX representative. I inquired further of the check and I asked if they lost my check.. the representative insisted that the check was returned.. I then stated that I would have to send them a cashier 's check for any further payments because I could not trust them with a check payment.. ( I admit at that point I was rather heated and did hang up the phone ). Today I received a XXXX loss of credit on my report. 

I would like to have this matter resolved and my credit restored to the previous amount. And I will be forwarding a cashier 's check or money order for payment. Thank you for your attention to this matter. 

Sincerely

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 2021-05-07
Company: Synergetic Communication Inc
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Synergetic Communications Inc. ( SYNCOM ) and XXXX XXXX XXXX in the last few months have persistently threatened me in regards to a debt they claim is due in the amount of {$720.00}. When I contacted the original creditor XXXX XXXX they do not have any documentation of a debt owed and my account was closed in 2014. Also, XXXX XXXX sent me {$98.00} due to money remaining in my closed account back in 2014. The stated collectors are pursuing a false debt and beyond Ohio statue of limitations and violating FDCPA rights for harassment. Said parties stated that they will renew the statue of limitations and file a lawsuit if not paid within 30 days.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 The FCRA my rights are being violated. According to 15 U.S. Code 6801-Protection of nonpublic personal information.

15 U.S. Code 6802 -Obligations with respect to disclosures of personal information.

Once again my rights are being violated and illegal practices is taking place.

I have not given Any company written or verbal consent to do so.

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 2019-12-12
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 belongs to someone else

Complaint:
The following current and collection accounts listed on my XXXX, Trans Union and XXXX credit report are fraudulent accounts: XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. These are fraudulent accounts and not my 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 2019-06-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Dear Sir/Madam Amount is XXXX and some change. 

XX/XX/XXXX while i was at work, i went on break to purchase some food but my bank card wont work. I did try it three times but still wont work. So i decided to login on my bank App to check what is going but for some reason Bank of America changed my card for a new card no idea why. So when i looked my available balance, for some reason my balance were very low and started going on details of charges on my account. While i was scrolling down i found lot of charges with the name XXXX XXXX on my account and i contacted Bank of America as soon as possible to make it claim while two transactions with the same name still processing. I did mentioned about the processing transaction but they could not do anytime at the time. But i did call back next day to add that on my claim number. I really dont have access to my bank email because it is my school email and i have been Out of school since XXXX so i wont know my available balance neither get email alert. 

I have been checking all of my purchases online to see if I could find anything related to XXXX XXXX purchases and I have not found nothing that I ordered in the past or received from this website. I also went over my emails for purchases receipt and have not found anything related to XXXX . I am legitmately and beleive 100 % truthfully I have no idea who is this company because the is no where to be found. I also have no idea what the charges are for because it is not really telling me what i purchase and I do not recognize the charges amount, neither the website. 

Therefore, Investigate this matter because these transactions appear suspect. I have never received or buy any goods and services with this Company nor I have dealt with them in the past for any merchandise delivered to above address. I never spoke to anyone or ordered anything from this company. I did receive few alerts in regarding to to XXXX purchases and other site as well but unfortunately I have not gotten any fraud alerts in regarding to these charges, but my card was suspected and cancel by Bank of America. 



I would appreciated your help and a response. 

Thanks

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 2023-06-14
Company: EQUIFAX, INC.
State: MI
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:
XX/XX/2023 I sent over a letter to the 3 credit bureaus of several accounts that were reported fraudulently and must be removed from my report. Credit bureaus has not responded at all.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded 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 non-monetary relief
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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:
Not my account reporting.

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 2023-03-22
Company: AMERICAN EXPRESS COMPANY
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:
I have been disputing this account one XXXX for years. It has been opened and closed fraudulently. I sent in a few affidavits to XXXX  and they dont do anything about it. They just say American Express claims this account is valid but they dont send any documents or proof that this account does belong to me. I spoke with American Express and they really dont have the best customer service I called and they were ready to do an investigation with the account that popped up and I didnt even give her any of my information yet. It took about 3-4 times for her to understand I was calling on an account that was listed on my credit. I then asked if this account is verified why havent I receive any documents or proof? The information she provided to me ie : address email etc didnt belong to me and never belonged to me. I have given them my new information for the investigation and now Im worried theyre going to try to change the information just to say the account belongs to me. Mind you they have been removed from my other credit bureaus XXXX is the only one saying theyre saying this acct is valid

Company response to consumer: Closed with explanation