BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-02
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XXXX XX/XX/2019, I submitted a support ticket to Coinbase requesting my 2 Factor authentication be removed in order to allow me to access my account. I requested this service due to the fact I broke my phone and lost access to the XXXX XXXX XXXX on my phone. For awareness, 2FA allows for an additional layer of security to be implemented on many accounts. 

I received a reply on XXXX XX/XX/2019 @ XXXX EST requesting that create a new account in order to verify my identity and phone number. I complied with the request and submitted all the documentation. I was fully verified by XXXX EST on the same day. 

I currently possess XXXX Bitcoin currently store on Coinbase, which as of writing is valued at {XXXX}. I am unable to access my account and $ $ $ due to Coinbase not removing my 2FA as  requested. I attempted to contact customer support via XXXX and the automated service hung up on me immediately after stating " all representatives are busy and to submit a ticket online. '' This company is growing to provide adequate customer service. This is a financial institution regardless of anyones feelings of cryptocurrency. They transfer hundreds of thousands of dollars an hour in and out through different mediums. This is unnacceptable. 

A simple search will demonstrate this company has hundreds, if not thousands of complaints of month/s long tickets not being processed. Money lost to investors and a complete disregard for the well being of their customers. 

I would like my case looked into and resolved, I am sure I am not the only one. 

My ticket number is XXXX. 

I have gone as far as creating new tickets with the previously listed number as the titled issue. They simply cancelled the new tickets.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: Experian Information Solutions Inc.
State: NY
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:
I recently received a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts and inquires on my credit reports that were not open by me. This has been hurting me and I am in the process of buying a home for my family .please remove the fraudulent accounts and inquires from my credit report as soon as possible

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 2023-08-24
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 am contacting you ONCE AGAIN about the compromising of my social security number and personal information. I am the victim of Identity theft and I am writing to REQUEST an identity BLOCK of items on my credit report that are not mine which resulted from the crime. Please BLOCK the following fraudulently created information from appearing in my credit report included in this letter. These companies are in violation of 18 U.S. Code 1028A. I did not consent to authorize the sharing of my non public information. The reporting of the information is NOT fair and equitable to me as the consumer.

* 15 USC 1681 section 602 A states I have the right to privacy.

* 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an 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. 
Also, they aren't even in compliance with Metro 2 credit 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 2018-08-14
Company: ProCollect, Inc.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in XX/XX/2018 my daughter had to move out of a student housing facility due to illegal activity that was going on at the facility. The manager was alerted and did nothing to address this and as a result she moved out before her contract was up. I had called and spoke to management multiple times from XX/XX/XXXX to XX/XX/XXXX regarding the contract and that we should not owe this debt since they were negligent and broke their own contract. As a result they sent me to Pro Collect ( collection agency ) out of XXXX, TX. I received a collection letter on XX/XX/XXXX for collection. I retained an attorney and sent a letter of dispute to Pro Collect on XX/XX/2018. I also sent a letter to the Student housing complex ( XXXX XXXX XXXX ) as well. I received a cancellation letter back from Pro Collect on XX/XX/2018 stating that the account has been canceled and I not longer owed this debt and the request was made to have it removed from the Credit Bureau and it was returned to the original creditor. I applied for a loan on XX/XX/XXXX and this debt was still on my credit report. I have contacted Pro Collect multiple times regarding this and I was informed that I could only email a person by the name of XXXX XXXX ( collection manager ) and that he was the only one that I could correspond with. I sent an Email to him on XX/XX/XXXX stating this was not longer owed and that their company has sent a cancellation letter. On XX/XX/XXXX XXXX XXXX sent back an email stating that I owed the {$1400.00}. I then sent another email back to him on XX/XX/XXXX stating that I didn't owe the debt and that his company had sent the cancellation letter. I have sent emails back on XX/XX/XXXX and XX/XX/XXXX asking of I need to send a copy of the cancellation letter to him. I have not had any response from him and I have tried to talk to someone else at Pro Collect and they always say I can only email XXXX XXXX and no one else there can help me or have access to my account with them. I still am waiting for a response. I have included letters that were sent to XXXX XXXX XXXX and Pro Collect as well as Emails to XXXX XXXX  ( collections manager ).

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 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: 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. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Date opened XX/XX/2020 Balance : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: Navient Solutions, LLC.
State: TX
Product: Debt collection
Sub-product: Federal student loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX has violated the FCRA by RE-AGING accounts AND reporting misinformation to credit bureaus which affected my credit scores, my financial life and my family 's life for over 2 years now. 

Below are the inaccuracies which I have complained to credit bureaus about as well as XXXX and no one is taking this matter seriously. I have requested multiple times for them to prove this debt belongs to me and to correct my report and all I get is avoidance. 

Please see my credit reports as well as the items I have addressed with them below. 

XXXX XXXX XXXXYou are reporting that this account is a Charge Off and that there is a Balance and Past due amount of {$17000.00}? It can not be both. You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX is showing date last active is XX/XX/XXXX and date of last payment was XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal. 


XXXX XXXX AGAIN, with this account you are reporting that this account is a Charge Off and a Past due amount of {$15000.00}? It can not be both! You are reporting date last active as XX/XX/XXXX and date of last payment was XXXX of XXXX. No payments have been made to this collection account ever. XXXX  is showing date last active is XX/XX/XXXX and date of last payment iss XX/XX/XXXX. It can not be both. This account is being RE-AGED also and is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
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:
STUDENT LOAN : ALL DEPT OF XXXX ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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! 

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 a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antidotes 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. 

I demand the collections be removed from my account immediately.

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 2023-01-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance {$8600.00} ; XXXX XXXX Balance - ; XXXX XXXX XXXX Balance {$50.00} ; XXXX XXXX XXXX Balance {$330.00} ; XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$750.00} ; XXXX XXXX ( Original creditor : XXXX XXXX XXXX ) XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX : {$22000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$50.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$330.00} ; XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX  ) XXXX Balance : {$0.00} ; 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX. XXXX, 2021 ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, 2021 According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-12-18
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Application denials

Complaint:
On XX/XX/XXXX I contacted Navy Federal Credit Union. My first attempt to get a debt consolidation line of credit to pay off high interest accounts to put us in a better position. Our current home values at {$900000.00} with a current mortgage of {$390000.00}. We were trying to get a loan for {$100000.00} that we were going to pay off Navy Federal Credit Union credit card which has a very high interest rate I have been paying for the credit card for more than 20 years. I never did get a chance to talk with a loan officer working on the loan. I made several attempts to speak someone with the bank. I left numerous messages and emails for the loan officer. I feel that my race had something to do with the outcome of the denial. I just got a copy of the denial letter this month. We applied again to get the loan to pay off the bank debt and other debt with the equity in our home. Same outcome no loan officer communication to discuss the purpose of the loan. Again we were denied. We found out that the bank was denying loan because of racial discrimination. I never spoke with the loan officer assigned my file. Please help us with this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: Credit Control, LLC
State: TX
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT CONTROL CONTACTED ME BY EMAIL ABOUT A XXXX ACCOUNT WHICH I HAVE OVER A XXXX BALANCE. I HAVE NEVER HAD A XXXX ACCOUNT AND I WOULD LIKE THIS TO BE INVESTIGATED AND REMOVED

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 2023-03-14
Company: I.C. System, 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 with The Fair Credit Reporting at, this creditor has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a ( 2 ) States consumer reporting agency can not furnish an account without my written instructions. 15 USC 166 b state a creditor may not treat a payment on a credit card account under an open-end consumer Credit plan as late for any purpose.

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 2023-10-26
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX  I opened futile attempts in at least 3 attempts to have Citibank to correct the dispute amount for services not received, Citibank has Personal knowledge that I spend Time and Money for the same Services I ended up paying a 2nd Merchant to do properly the service I needed. 
Now I'm receiving by mail an Attempt to collect the Amount I Fully legally Disputed, I'm returning the mail Stating " The Account has been closed previously due to the Incompetency of Citibank to resolve my dispute, even its last letter they stated has been resolved, what they resolved? Nothing. 
I'm including its last letter and the copy of the mail received stated to return to sender. 
If Citibank Persists with this collection attempts and/or report the amount disputed to the credit Bureaus, I'll initiate a legal action in Court against Citibank.

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: CARRINGTON MORTGAGE SERVICES, LLC
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Trying to communicate with the company to fix an issue with the application process

Complaint:
I went through a long arduous divorce. I applied for a re-modification with the bank. Part of the divorce agreement with my ex-wife was she would sign off the deed to the house, for an exchange of {$34000.00} transferred via QDROS from my 401K to her 401K account. The QDROS process began in XXXX XXXX XXXX XXXX XXXX I was told that the QDROS process may take up to 3 months but no longer than 5 months. I communicated this information with the bank. I was approved for the modification, but the paperwork arrived with my ex-wife name on the paperwork. I contacted the bank and explained the entire situation. They sent out new paperwork without her name on it. I reached back out to them explaining that I needed to wait for the QDROS to take place so she would sign off the deed to the house. I was under the assumption that the bank was working in good faith with me. They knew I accepted the terms of the re-modification. Within 30 days of the last communication with the bank, I received info in the mail with an auction date of XXXX I have been working diligently with the company & administration handling my the QDROS to try and get a date for the QDROS transfer. I'm finally getting information stating that the paperwork was submitted for preapproval and then will be sent to the court within a week or so for court approval. As of XXXX today ( XXXX ), people were outside of my home in an auction bidding for my home. The home went back to the bank today. I am working in good faith with the bank to resolve this matter and to retain my property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
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 information incorrect

Complaint:
XXXXXXXX XXXX has an account on my credit report in the amount of XXXX.That is past 7years old.Theres no last payment date on the report.The information is not accurate.I would like it removed.The credit reporting agency is All 3.

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 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$88.00} ; XXXX XX/XX/2021.

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 2023-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Made several documented attempts by phone and mail to the creditor and all credit reporting agencies to update the status of my account with no resolution from either.

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