BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-03
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I had unauthorized activity in my Coinbase account resulting in XXXX transactions : XXXX Buy XXXX XXXX USD XXXX XXXX XXXX XXXX Bought XXXX XXXX for {$400.00} USD XXXX Buy XXXX XXXX USD XXXX XXXX XXXX XXXX Bought XXXX XXXX for {$150.00} USD XXXX Sell XXXX XXXX USD XXXX XXXX XXXX XXXX Sold XXXX XXXX for {$520.00} USD I did not authorize these transactions. I never received a text message to authorize them. I never received emails confirming these transactions. Furthermore, my account was locked on XX/XX/XXXX and XXXX with no access to make any transactions. 

Coinbase has failed to protect my account from hackers and inform me of the ongoing unauthorized activity in my acount. 

I would kindly request to return {$550.00} in cash stolen from my Coinbase account. 

I have not received any meaningful resolution while speaking with the customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: FC HoldCo LLC
State: TX
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: Investigation took more than 30 days

Complaint:
In response to 1st complaint ID XXXX. In the letter response sent by Flagship Credit they state that my credit is updated/ reported monthly. Which is not true, as stated on my credit report. My account still shows past due as of XX/XX/2021. They have not fixed the issue and its affecting my credit score. They are failing to report the accuracy on my account. None of my 2021 payments are reflected on my account. Again my account is paid ahead and not behind. I have attached my account reports as of XX/XX/2021 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 2021-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX  XXXX  XXXX  XXXX  reported a 30 days late in XXXX of 2017 however this is not correct and i asked for something showing were i was late since its paid via internet but received nothing. i disputed with all 3 bureaus however none of them did a good job investigating it

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 2018-04-06
Company: N.A.R., Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I have made several phone calls to this agency and I have written and mailed certified/notorized letters regarding this debt with no relief. This debt was for furniture that I paid monthly for and I have my payment receipts to prove payment. It is showing on my credit bureau report as a collection. I have filed disputes with the credit bureaus and again have had no relief with them removing it. I dont know what else I can do to get them to close the collection account and remove it from my credit bureau report. This purchase was in XX/XX/2014. Can you please assist me with my case? Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2018, I received a Social Security Direct Deposit into Wells Fargo Bank. Wells Fargo Bank immediately took {$530.00} from my Social Security deposit, leaving me {$160.00} to live on for the month of XXXX. I did not receive any Notice from this bank that this money from my Social Security check ( Direct Deposit ) was going to be " garnished ''. This Direct Deposit has been in effect for 8 years with Wells Fargo Bank. There was a few " undisputed '' fraudulent charges on my account at this time. My Social Security money, Direct Deposit was posted onto my account at XXXX XXXX, XX/XX/2018 and the {$530.00} was taken from my account in 1 minute. This is my only source of income. I starting getting Social Security XXXX at approximately at age XXXX years old ; due to a depilating " accidental XXXX '', leaving me with multiple XXXX XXXX causing permanent physical damage. It is my understanding that there are specific laws that protect one 's Social Security money, as the only source of income, from being " garnished ''. I would like to move forward with this issue as quickly as possible since this loss of one month 's income has impacted my quality of life substantially. Thank you. 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 2021-12-29
Company: Sequium Asset Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is another account listed with this debt collection agency that came under my credit today that cost me another XXXX points. I do not owe this bill this is not my account I never had XXXX. Is has no account number listed. 
SEQUIUM ASSET SOLUTIONS, Last reported XX/XX/2021 {$630.00} Open balance XXXX XXXX Original creditor XXXX Opened XX/XX/2021 ( 2 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name XXXX XXXX Report info

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-25
Company: Santander Consumer USA Holdings Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am submitting a complaint regarding Santander Consumer USA and their predatory business practices. 

On a used car purchase in XX/XX/XXXX of a XXXX XXXX XXXX -- the car was sold and valued at approx. {$16000.00}. 

After 4 and 1/2 years of payments on the same car the payoff I was just given is {$11000.00}. 

Furthermore, the vehicle has not been operational for almost 2 months this year due to the failure and required repair of : - Replace the transmission ( @ cost of {$3000.00} ) - Replace the Rack & Pinion ( @ cost of {$750.00} ) - Replace the Radiator along with sensors and other related parts ( @ cost of {$530.00} ) Also, the cost of having to rent another vehicle while the XXXX has not been operational is another related expense that has approach {$400.00} so far in XXXX. 

While I understand Santander should have the ability to make a profit, in this loan they have exceeded being a practitioner of good business to an organization that preys on the financially poor or disadvantaged. 

I asked the Santander representative, given that my credit score is 150 - 200 points higher now than it was at the start of this loan, if I could receive a more reasonable interest rate. 

I was told " No ''. 

Santander has a 4 1/2 track record with me at this time, and despite my challenges over this time as a single parent with XXXX teenagers, they know by now I make good on my debts. 

I must have a car to drive to earn a living. 

The car I have now is having to many repair and loss of use expenses that it is affecting my ability to make payments. 

If I go to do a trade-in, I am so upside down with the unfair terms of the loan that I am without an option. 

I thank you and any executive with Santander for your advice on how we can address this situation in a more fair and reasonable fashion. 

Sincerely, ( Name not included as per website instructions )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-07-19
Company: EQUIFAX, INC.
State: NC
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 XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$420.00} XXXX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
I sent disputes letters to all 3 bureaus XXXX XXXX and Equifax about incorrect and invalid information on my credit reports. They have failed to respond to me. I sent a demand to comply letter to all three in hopes of getting a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: NJ
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validatedthese items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legalaction against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My previous complaints about original student loan Servicer, AES/PHEAA must have been too complicated for them to understand, so I will keep it clear and simple task and request I want them to do. 

I want AES/PHEAA to provide me proof, and not their own letters, or documents, as theirs are absurd and untrue XXXX, that these loans are mine. 

Original loan documents, from XXXX XXXX XXXX XXXX, My College, Federal Government, as they are require to maintain such documents on my ORIGINAL LOAN IN XXXX, not the XXXX consolidation loan, the ORIGINAL loan in which they are/were the original servicer. 

As they proved past 8 months, and searched for 3, they have no such documents as I know they do n't exist, so I want them to write off their {$25000.00} profit they made off these loans do their job and cancel these loans, and return my money. 

I have contacted XXXX XXXX XXXX, Secretary of Education, and provided her copies of our communication, as attached, proving AES/PHEAA statements are not only untrue, but outrageously absurd at the same time. 

They say they did n't have loans after XXXX, yet they sold them to 2 different Loan companies in XXXX, and re aged a student loan from XXXX, that I paid off over 25 years ago, and included it as well when they sold these loans. 

If I do not get a favorable response from XXXX XXXX XXXX she is aware I will seek legal action against her, and AES/PHEAA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-25
Company: Experian Information Solutions Inc.
State: MD
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:
While using XXXX XXXX I was told several times my credit report would not receive a negative his as I was working with XXXX to make payments as needed for a business card that I was paying with personal funds. After reporting a negative hit to my credit report, XXXX refused to disclose the recorded transcripts of the numerous calls telling me I would not be negatively affected, then closed the card after numerous assurances my card would not be closed. I was then essentially threatened that more negative credit reports would hit my account if I did not pay in full instantly, but that my credit and the account would be restored if I did pay in full. I of course paid in full the entire balance due from personal funds, at which point XXXX still kept the account closed and did not remove the negative credit hits on my report.

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 2018-07-25
Company: Senex Services Corp.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have asked NUMEROURS times for this company to send me VERIFICATION with MY signature authorizing THEM to have a contract me me, to owe this debt, and each time was sent a statement with my name, birth date, and debt owed ( This does not verify my debt ) The original company has written off this debt, and I have been in communication with them over this, I DO NOT OWE this debt. They can not verfity it because of the simple fact of HIPPA law in which my signature and medical issues were not disclosed. ANYONE can get my info and say I owe a debt. I want this collection OFF my credit reports ( all three bureaus ). VALIDATION and VERIFICATION are two totally different things and this company has YET to show me PROOF that I woe this debt to them ( I do not owe this debt to them ) If this is not off my credit reports as deletion, I will take legal action against this company for the continued letters/phone calls/ and not being able to verify this debt belongs to me OR me and this company has written contract stating i owe the debt to them ( meaning a SIGNATURE on the debt or between me and them ) I will take full legal action against them. I want this off my report ASAP, and no future letters/calls/etc. I am not the only consumer who has been repeatedly contacted by this company. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Paypal Holdings, Inc
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
PayPal charged my credit card {$150.00} for disputed fees without telling me. 
PayPal charged me {$150.00} because of a chargeback against me. {$130.00} was the amount of the item, and {$20.00} was a punitive charge for getting a chargeback. I vehemently object to these charges. I did nothing wrong. When they charged me this {$150.00}, it put my PayPal account in a negative state. I formally appealed their charges because I acted in good faith and the buyer broke the PayPal rules. I have mountains of email and bank statements showing the transaction was legitimate. I have an impeccable rating on XXXX and PayPal. Because I did n't fund my negative PayPal account while i was disputing the {$150.00} PayPal charges, PayPal unethically and without notifying me, added {$150.00} to a {$51.00} online purchase I made. This additional charge also does not show up on my PayPal statement or activity. It does n't show up anywhere. The only way I knew I had been charged was when I checked my XXXX credit card statement. PayPal used my XXXX credit card as payment method for the {$51.00} purchase, but XXXX did not warn me that they were processing the transaction for a much higher amount that I thought I would be charged. They did not tell me during the transaction that I would not be charged {$51.00}, but {$200.00} instead. This is unethical, and I believe illegal, as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n 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 : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : 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 2018-08-29
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In XX/XX/XXXX I got Americanexpress card. The offer was XXXX bonus points if XXXX dollars spent in 90 days. I spent more than 1000 dollars. Still bonus not given. When I enquired on XX/XX/XXXX no bonus given. I enquired today also no bonus given,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-03
Company: Mr. Cooper Group Inc.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am an authorized third party, representing borrowers XXXX XXXX, and XXXX XXXX, owners of XXXX XXXX XXXX XXXX XXXX Illinois. I am mediating a short sale, under the supervision of attorney XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX, on a XXXX XXXX insured, Mr. Cooper serviced mortgage. As part of my work advocating for the XXXX family, I made Mr. Cooper aware the property was in poor condition and for best valuation data, we were requesting an interior appraisal be performed to best ascertain property value. -- -- - Despite my request, Mr. Cooper and XXXX XXXX commissioned a BPO valuation on XX/XX/2020 in order to determine fair market value for the sale of the above referenced property. The Realtor has affirmed this was a mere `` drive by '' valuation. I was told by the Realtor, the drive-by occurred XX/XX/2020. I have made 7 requests for a copy of the valuation report : XX/XX/2020, XX/XX/2020, XX/XX/2020, ( XX/XX/2020 Mr. Cooper countered out buyers offer and asked for a response without supplying required value report ) XX/XX/2020, XX/XX/2020, XX/XX/2020 and lastly, in a formal escalation request to XXXX  on XX/XX/2020, I asked again. Mr. Cooper 's employees have either pushed the request to a different rep, claimed it was XXXX 's call to deliver it to me, and flat out refuse to state it was confidential to XXXX XXXX -- -- -- - I responded to the denial, and opened the XXXX  escalation case by providing a copy of the regulation to each entity - in particular ; BUREAU OF CONSUMER FINANCIAL PROTECTION 12 CFR Part 1002 [ Docket No. CFPB-2012-0032 ] RIN 3170-AA26 Disclosure and Delivery Requirements for Copies of Appraisals and Other Written Valuations Under the Equal Credit Opportunity Act ( Regulation B ) -- -- -- - I pointed both Mr. Cooper and XXXX  's  employees to pages 2, 23-24 and 27, which specifically address the responsibility of servicer to give loss mitigation borrowers a copy of their valuation reports -- -- -- In a call from XXXX  on XX/XX/2020, a XXXX  employee called me to tell me they would inform Mr. Cooper to comply with regulation. To date, I still do not have a copy of the valuation report. I believe Mr. Cooper and XXXX XXXX are withholding the valuation report because they know it is a flawed report and to attempt to exhort more money from buyers at risk to the XXXX family of losing a true fair market value offer for their property.

Company response to consumer: Closed with explanation