BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-29
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I deposited funds to my Coinbase account on XX/XX/XXXX and was promised that the funds would be available for exchange or withdrawal on XX/XX/XXXX. However, my account was later restricted due to suspicious activity and I was asked to provide ID verification. After doing so, Coinbase informed me that I had two accounts with them, one of which was my brother 's account with different first name and SSN however they verified and then lifted restrictions on my account. Despite this, my restrictions were lifted but my funds of {$12000.00} are still on hold. I have been informed that my account is under review and I have to wait until XX/XX/XXXX to access my funds. I have reported this issue through multiple case tickets, but have yet to receive a response. CASE ID : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: EQUIFAX, INC.
State: TX
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion XXXX XXXX  XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.

XXXX XXXX {$310.00}

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 explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: SC
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:
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. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX  GA XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX  Balance : {$240.00} ; XXXX XXXX XXXX Balance : {$0.00} ; SXXXX XXXX XXXX XXXX XXXX Balance : {$540.00} ; XXXXXXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX CXXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$6200.00} ; XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$390.00} ; SXXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$310.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX  XXXX Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX Inquiry : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXXXXXX XXXX XXXXXXXX Inquiry : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-08
Company: SECURITY FINANCE CORP
State: TX
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:
MERIT FINANCE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Place a hard inquiry on my credit without my permission

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 2018-05-21
Company: EQUIFAX, 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 am writing to file a complaint against Equifax, what kind of investigations they did because my last letter of disputed that I sent to Equifax, they were received on XX/XX/2018. 
The same way Equifax defamation of character, because in the statement and fraud alerts they are publishing in my profile without my authorization, I never request any fraud alerts and I never request to put any statement on my credit profile. All this looks suspicious is the reason that I am writing to you ; how could I believe if they are doing the same with those accounts that they are posting that are repeat in my credit profile. Here is some credit report that I have received from Equifax are adding information, put fraud alerts manipulate the statements without the client asking for it. They are a violation of the right of us What they have is a game with my credit profile, I no longer tolerate what is happening I'm asking to Equifax to stop defamation on in my credit profile because this message that appears in my credit profile of any circumstance I never have asked to put any fraud alert or any statement even that phone number in the statement I do not recognize it, and I do not agree with the last letter I received, I recently saw my credit profile and I realized that, Equifax are violating my rights and reinserted accounts that have already been deleted and putting fraud alerts without my authorization anything even adding statement without I asking to put any statement. I never asked for any fraud alerts or any statement to add to my credit report. This is what XXXX  are posting in my credit profile. 
Bureau Message : THE FAIR CREDIT BILLING ACT, THE FAIR DEBT COLLECTION PRACTICES ACT, CFPB BULLETIN FAIR CREDIT REPORTING ACT I DEMAND TO SEE VERIFIABLE PROOF ( AN ORIGINAL CONSUMER CONTRACT WITH MY SIGNATURE ON IT ) YOU HAVE ON FILE OF THE ACCOUNT ABOVE LISTED UNDER THE FCRA, UNVERIFIED ACCOUNTS MUST BE REMOVED AND IF YOU ARE UNABLE TO PROVIDE ME A COPY OF VERIFIABLE PROOF, YOU MUST REMOVE THE Bureau Message : FRAUD VICTIM. " EXTENDED ALERT ''. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE. DAYTIME XXXX. 
I hereby request that all fraud alert information or any type of statement be removed immediately. I never request for any fraud alert or statement. 
I am requesting your assistance in putting an end to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: NRA Group, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have already filed a complaint about the abuse I suffered at the hands of XXXX XXXX of National Recovery Agency. National Recovery Agency violated the law by sending a text to me before XXXX in my time zone. Their text was sent at 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 explanation
Consumer complaint received 2021-06-16
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Sun Trust Bank is trying to collect {$330.00} which they say is an overdraft. I do not have an account with them. I have never had an account with them. They've sent me about 5 or 6 letters and duns which is a nuisance. I suspect that this is a scam. 

They give their addresses to be XXXX XXXX XXXX XXXX XXXX, VA XXXX and XXXX XXXX XXXX XXXX, FL 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 monetary relief
Consumer complaint received 2021-03-05
Company: Selene Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage payment was submitted to Selene Finance  which is location is XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX in XX/XX/XXXX. XXXX to start my Trial Modification Plan. I have been making every payment on a timely base every month. Then my Mortgage payment was transfer to XXXX XXXX XXXX and I have still making my payments timely. I have requested from Selene Finance more than four times to please send me a copies of my 1098 for the following years XXXX, XXXX, XXXX, XXXX and XXXX. I was giving only XXXX, XXXX, XXXX and XXXX 1098 tax papers. I have called Selene many times please fax and hard copy me the missing XXXX 1098 tax papers so I can file my taxes and clear up this situations. Selene Finance is trying to tell me that I miss paying the whole year XXXX mortgage payments and this is why it missing. Then I was told I would get a copy though email and hard copy. I have been waiting since XXXX of XXXX and still have not received the information requested. I need this information to complete my income taxes so I can refinance my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DPT EDXXXX Account Number : XXXX Account Name : DPT EDXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 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 non-monetary relief
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
State: NM
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:
XXXX Equifax and XXXX XXXX are ignoring my requests to investigate, verify and remove accounts from my credit reports/files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: EQUIFAX, 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:
I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine.I have reached out to the FTC and my local police. Please have these items removed from my credit report XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX/XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX/XXXX. I'm doing this own my own behalf.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021, I tried to transfer XXXX ETH and XXXX BTC from CoinbasePro to XXXX. I received an email from Coinbase asking if I wanted to go through with the transfer. I changed my mind and decided to cancel the transactions. Then, when I looked at my balance of ETH and BTC in my CoinbasePro Account, the cancelled transaction showed up as a pending transaction. I did not think anything of it at the time ; however, now it has been over two weeks and my transactions are still stuck in pending and I can not access my funds at all. This is costing me lots of money at this point as the crypto market is volitile and having access to one 's funds in order to sell before a market crash is essential to maintain the value of one 's assets, or gain a profit.

I reached out to CoinbasePro via their website and followed their instructions on how to make a complaint. At this point, I have made many complaints, tried to contact them on social media including XXXX and XXXX, without any success. I even almost got scammed on XXXX by trying to get CoinbasePro to attend to my issue.

I have received automatic responses from CoinbasePro with messages that they have received my complaints and that my issues have been resolved, but this is not true. I have checked my CoinbasePro account as recently as prior to typing this complaint, and my issue has still not been resolved and my funds are still stuck in a pending transaction and I am still unable to access my funds due to this. 

Please help me. I don't know what else to do. All of my funds are tied up with this company and I am panicing. Thank you for your consideration.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX stated they would not release the lien on my title, they. were paid off by a trading dealership

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-17
Company: Experian Information Solutions Inc.
State: GA
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:
This notice is to inform you that you have broken the law. You unlawfully reported unauthorized accounts on my consumer report that have violated my federally protected rights to privacy and confidentiality under FCRA law 15 USC 1681. I have not given written permission to put anything on my credit profile. You have violated me pursuant to 15 USC 1681B, the permissible purpose of consumer reports. You have no permissible purpose by law to contact third parties with my private and personal information. Your offenses amount to aggravated identity theft pursuant Title 18 USC felony punishable 1028A. You have knowingly transferred a felony punishable with up to 2 years of imprisonment in addition to civil liability up to {$1000.00} per violation. You are also in violation of 15 USC 1692G and my instructions are for you to delete these accounts immediately. XXXX XXXX XXXXXXXX acct # XXXX and XXXX acct # XXXX. XXXX XXXX XXXX XX/XX/2023. Remove these accounts and inquiry.

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 2023-08-18
Company: Capio Partners, LLC
State: VI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX, I sought a XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. The office visit was with a doctor in the XXXX XXXX XXXX XXXX XXXX, and was also a referral from my personal care physician. This visit was 100 % covered by my spouse 's employer 's Employee Assistance Program XXXX XXXX XXXX ). 

A year after the visit, XXXX XXXX XXXX XXXX XXXX sent me a delinquent bill notice in the mail. After following up with both XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, it was determined that the provider ( doctor ) had improperly and illegally double billed for the service. XXXX had paid XXXX XXXX XXXX XXXX XXXX in-full, and no money was owed. This original debt was for over {$100.00}. 

On XX/XX/XXXX, I received a debt collection notice in the mail from Asset Care, stating that they had been sold this debt and were attempting to collect it. This time, the debt listed is {$20.00}. XXXX XXXX XXXX XXXX XXXX sent a six year old debt for {$20.00} to a debt collection agency. 

Since the time that the debt was deemed to be paid-in-full in XXXX until XX/XX/XXXX, I had received no correspondence from XXXX XXXX XXXX XXXX XXXXXXXX regarding this supposed debt, even though I had continued to use their services during that period. Following the notice of collections, I have attempted several times to get an explanation of the debt from XXXX XXXX XXXX XXXX 's billing department, but they have refused to discuss it, saying that they sold it and can not assist me with anything. They have told me to contact their " Patient Advocacy '' line at XXXX. That is NOT a patient advocacy line. That is a phone number for the debt collector ( AssetCare , LLC ). 

Not only are they creating fake debts, they are also misleading patients into contacting a debt collector under the guise of speaking to a patient advocate. 

Essentially, they made up a fictitious debt, never notified me of it, waited for several years for it to become delinquent, and then sent it off to collections to attempt to tarnish my credit and image.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: MD
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 am a consumer as identified in the FDCPA under 1692a ( e ) an I have the right to privacy pursuant to 15 USC 1681a ( 4 ). This identity theft pursuant to 15 USC 1681 ( 3 ). I understand pursuant to 1681c ( 1 ) you have the authority to decline or rescind. This information I am presenting is requested in an affidavit of fact so there is no misrepresentation of the fact.

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 2023-05-15
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-03
Company: EQUIFAX, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX and Equifax are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-16
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is no third party involved. 
I am XXXX XXXX, consumer, natural person, and original creditor of an open-end-credit plan, was denied my right of credit by Navy federal Bank. I was notified of this transgression of my rights, specifically 15 USC 1601- The Truth in Lending Act, by Navy Federal Bank via mail and by email. According to 15 USC 1602 definitions of the Truth in Lending Act, I as a natural person possessing an open-end credit plan was harmed by Navy Federal Bank 's adverse action taken against me denying my rights, of which the civil damages pursuant to 15 USC 1640 ( a ) ( 2 ) ( A ) ( iii ) are up to ( {$5000.00} ). Navy Federal Bank is now civilly liable to pay me for the damages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation