BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX-XX/XX/XXXX Attempted to verify ID on Coinbase, through their website and mobile App XX/XX/XXXX ID is verified. 4 valid documents, 13 failed documents shown. 
XX/XX/XXXX Wire Deposit {$20000.00} from XXXX account. Verified Deposit of {$19000.00} XX/XX/XXXX Attempt to use the money. Buying disabled. Withdraw disabled. Contact Support. 
Coinbase is unable to verify my ID. There seems to be a verification process for depositing money and different verification for withdrawing/buying money. 
XX/XX/XXXX Case is Escalated and duplicated Case # XXXX and Case # XXXX XX/XX/XXXX-XX/XX/XXXX Account is unable to verify my ID. Contact support multiple times, send in additional documents. Unable to resolve. 
Coinbase seems to be holding my money and not releasing the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
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:
On XX/XX/2019, I got a notification from my ID protection with XXXX that an inquiry for credit with XXXX card had been made. I never applied for credit with XXXX. I immediately called XXXX, which cancelled the application. They sent me a letter stating they will request the credit agencies to remove the inquiry. After several more calls to the credit agency and XXXX the inquiry has not been removed. XXXX and the credit agency is blaming the other for it still not being removed. Equifax and XXXX are the only two showing the inquiry. Equifax state they do not accept inquiry disputes from consumers. They refuse to accept the letter XXXX XXXX sent to me. As of today, XX/XX/219 I'm continuing to have an issue with this, I'm ready to buy a car but the inquiry is causing me to be one point  from getting a top tier interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hi Dear officer, I would like to report a fraud which started on XX/XX/XXXX. 

On XX/XX/XXXX, I wire-transferred {$75000.00} to Gdax/Coinbase account using the wire transfer information/instruction provided by gdax.com. 
On XX/XX/XXXX, from support.coinbase.com, XXXX opened a case regarding this wire transfer indicating that the transfer failed and was reversed. On the same day, I received an email from them indicating the same. 

On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I asked them to investigate this matter but never got a single response back ever since they open the case on XX/XX/XXXX. 

I contacted XXXX XXXX XXXX XXXX, the originating bank couple of times. in the first calls regarding to why this transfer was not successful and what I should do to speed up the reversal process, XXXX XXXX told me since Coinbase already started the reversal process, I just need to wait. Then before XXXX, when I talked to XXXX again, she realized it is taking too long for the reversal, so she started talk to the wire transfer department in XXXX XXXX XXXX to try to recall the wire transfer. 

But so far there is no response from Coinbase.com for the efforts from XXXX XXXX XXXX side. 

I have provided the following documents to establish my case. 

The email from XXXX notifying me of the wire transfer reversal on XX/XX/XXXX The Coinbase support case update history through screenshots The screenshot of Gdax ( which is linked with Coinbase.com ) provided wire transfer instructions The wire transfer transaction record itself. 

In case you need to talk to the originating bank XXXX XXXX XXXX XXXX, I will provide XXXX XXXX contact information as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: EQUIFAX, INC.
State: WA
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:
OnXX/XX/XXXX I was notified by XXXX XXXX ( a payday loan lender ) in XXXX, Arizona that I attempted to apply for a loan online onXX/XX/XXXX. I did not apply for any loan with any lender. It was fraudulent and a police report was filed. The XXXX Police Department took the report and provided a case number : XXXX  The officer XXXX XXXX urged me to provide the report to credit report agencies and to XXXX XXXX in XXXX. I supplied the information to all XXXX credit bureaus XXXX, Equifax, and XXXX. In addition to the information, I requested an immediate freeze on my credit. I notified the credit agencies on XX/XX/XXXX by phone and mailed the police report along with a letter stating the inquiry and address used in XXXX, Pennsylvania was not mine. It was identity theft. As of XX/XX/XXXX XXXX and XXXX removed the address used and XXXX XXXX inquiries from my report. However, Equifax did not remove the fraudulent inquiry or address used to commit identity theft. As of XX/XX/XXXX, Equifax is still showing the XXXX XXXX inquiry from XX/XX/XXXX and the address used to commit identity theft : XXXX XXXX XXXX, XXXX, Pennsylvania XXXX. It 's been over 13 months and Equifax will not comply with the request to have the fraudulent inquiry removed along with the addressed used to commit identity theft using my personal information. I attempted a third time on XX/XX/XXXX to have Equifax remove the inquiry and Pennsylvania address from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Clarity Services
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:
Clarity Services Clarity for Consumers XXXX. XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This company keeps giving false info under my SSN when trying too obtin loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: AMERICAN EXPRESS COMPANY
State: OR
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:
I signed up for the AMEX Blue Business Card in XX/XX/XXXX. There was 0 % Promotional APR for 12 months. I made a purchase of {$2000.00} in XX/XX/XXXX. In XXXX XXXXXXXX, one of my payments somehow did not go through. I called AMEX customer service to find out what happened. It was a website use error. I paid my card promptly over the phone and ask that they refund the late fee. They refunded the fee ( {$35.00} ). I paid promptly for every month since then. What I was not informed about was that the company had started to levy a penalty APR 29.99 % for 12 months since XX/XX/XXXX. The customer service agent I spoke to did not inform me of that, and I continue to pay my monthly installments thinking that my APR was 0 % till XX/XX/XXXX, and I was paying down my principal balance. Now in XX/XX/XXXX, I only found out that this was not the case, and for the last 8 months, I was paying 29.99 % monthly interest instead of the advertised 0 % APR. This is misleading advertising and should not be allowed to continue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11
Company: FIRST HORIZON BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
After receiving a promotional code for opening a First Tennessee checking account, I opened an account with the code online on XX/XX/XXXX. The promotion code was XXXX and it stated that I would receive a {$200.00} bonus after " ... an opening deposit of at least {$100.00}, and at least one direct deposit must post to your account within 60 days of account opening. '' I opened the account with an initial {$300.00} deposit, and I had 2 direct deposits of {$500.00} each from my employer post within the given time frame on XX/XX/XXXX and XX/XX/XXXX. I am in a state targeted by this promotional code ( GA ), and I have never opened or attempted to open any account with First Tennessee before. Even though I met all of the requirements, I did not receive the advertised bonus. I sent a secure message on XX/XX/XXXX to First Tennessee in order to inquire as to why I had not received the bonus. I received a reply on XX/XX/XXXX that incorrectly stated that the offer I applied for " was not a valid offer for your area ''. The terms clearly state that the offer is valid for the following states : AR, GA, MS , NC, TN, or VA. I reside and opened the account in GA, so I in the targeted region.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: EQUIFAX, INC.
State: IL
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 tried to apply for a car they told me i had 20 hard inquiries, 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 XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: Experian Information Solutions 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 have sent factual disputes to the credit bureaus only for them to leave several items on my reports and claim they were " validated ''. They provided no information of how the investigation was completed, only that it was verified by the creditors. I pull copies of my report every month, and I have informed them that there are several blatant inaccuracies in my report that they continue to " verify '' as accurate with every round of disputes. They have inconsistent account opening dates, inconsistent Date of Last Activity dates, credit limit or high credit amount inaccuracies, and yet they continue to report these on my credit report. 

In addition to these inaccuracies, they are listing addresses that I do not reside at, and incorrectly formatted DOB, as well as having the wrong name on my credit report. Since I share the same name as my father and grandfather, how am I to know they aren't reporting stuff from them to my report if they wont list my name correctly on all 3 bureaus?

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 2017-11-18
Company: SYNCHRONY FINANCIAL
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: Credit inquiries on your report that you don't recognize

Complaint:
I have a hard inquiry from XXXX on XXXX XXXX. I do recognize the inquiry and did not authorize 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 2018-01-08
Company: JPMORGAN CHASE & CO.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase decided to close all of my credit cards that I currently have with them because they felt I was a risk since I have applied for multiple cards in 2017. I have excellent credit, I have never missed a payment, I pay my entire balance off on or before the due date. I have multiple credit cards because I travel, and I use the rewards for traveling, and also for my business. They did not give me any notice, they just closed the cards out. When I called and they explained it, I told them everything I am writing here, I am not a risk, I have never overspent, I have never maxed out cards, I manage my credit very well. I do not have any debt besides my mortgage, and yet they think I am a risk, and they closed out every card I have with them and they will not refund my fee that was charged 1 month ago for a card I have only had for 1 month, it is an annual fee that is for the year and they closed it out 1 month after I got the card. They just made {$99.00} on me for no reason, I didnt get the credit card bonus that came with the annual fee, I didnt get to even use the card more than a few times before they closed it out, and now they will not refund anything. I am wanting this annual fee refunded, its one thing to close everything out because they just decided I was a risk, it is another thing to make me pay the annual fee for a card I dont even get to keep.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-11
Company: ALLY FINANCIAL INC.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Was approved for a loan, but didn't receive money

Complaint:
On XX/XX/2022 I have requested a validation of debt, to understand why Ally Financial was requesting for payment, when the contract was with a different party. I never received any check stating an amount of money for a loan. 

They have not fulfilled my request, and trespass on my property on XX/XX/2022 to take the vehicle while I was in peace playing with my children.

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 2019-04-28
Company: EQUIFAX, INC.
State: MO
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:
Although my identity has been seriously compromised and unauthorized accounts been opened in my name. I still at this point hold the three ( 3 ) major credit bureaus responsible for reporting unverified and unauthorized accounts. I requested a Mehod Of Investigation that made the determination for the 3 major credit bureaus to continue reporting these unauthorized accounts. However, I did not receive any certified signed physical documentation that validates these accounts as being true. I'm demanding that the three ( 3 ) major credit bureaus block the following accounts from my data file / credit report immediately and permanently. 
( 1 ) Dept of ED/ XXXX {$7300.00} ( 2 ) Dept of ED/ XXXX {$5400.00} ( 3 ) Dept of ED/ XXXX {$3900.00} ( 4 ) XXXX XXXX XXXX/ XXXX {$3000.00} ( 5 ) XXXX XXXX XXXX XXXX ( 6 ) XXXX XXXX XXXX {$470.00} As a consumer I'm requesting that these accounts be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: ALLY FINANCIAL INC.
State: CA
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:
2 unauthorized transactions hit my checking account at XXXXXXXX XXXX on XX/XX/XXXX. I became aware on XX/XX/XXXX. 

XXXX XXXX XXXXXXXX, FL, XXXX {$110.00} XXXX XXXX XXXX XXXX XXXXXXXX, DE, USA {$200.00}. 

I notified Ally by phone twice on XX/XX/XXXX and used the chat feature on XX/XX/XXXX. After my first call, I used their chat when a confirmation email I requested never came and was told they had no record of my dispute. I used an online dispute on their website and called again to confirm I was disputing 2 charges. During my XXXX call, I was assured we were good to go. Online I only see 1 charge listed as disputed. I am not confident that Ally will investigate my ( 2 ) disputes and issue new debit cards. After a quick XXXX search, this looks like a widespread issue with Ally debit cards : XXXX XXXX XXXX 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 2022-01-14
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 have sent factual disputes to the credit bureaus only for them to leave several items on my reports and claim they were " validated ''. They provided no information of how the investigation was completed, only that it was verified by the creditors. I pull copies of my report every month, and I have informed them that there are several blatant inaccuracies in my report that they continue to " verify '' as accurate with every round of disputes. They have inconsistent account opening dates, inconsistent Date of Last Activity dates, credit limit or high credit amount inaccuracies, and yet they continue to report these on my credit report. 

In addition to these inaccuracies, they are listing addresses that I do not reside at, and incorrectly formatted DOB, as well as having the wrong name on my credit report. Since I share the same name as my father and grandfather, how am I to know they aren't reporting stuff from them to my report if they wont list my name correctly on all 3 bureaus?

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 2022-08-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
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:
on XXXX XXXX the bank charged my account two times which was not authorized by me and alleged sent to my gas company no r was it sent to my gas company in XXXX they charged my account two times as mortgage payment which was already paid my a mortgage payment i did not authorize the double payment they did the same for XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Bread Financial Holdings, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
PayPal Resolution Center ignored their own policies in the determination of a dispute or complaint. I submitted a complaint to PayPal with whom I tried to buy a remote control professional grade bait boat from ( ( Seller info XXXX ) ) copied from the payment page on PayPal name shown. PayPal never gave me any fair chance to prove what actually happened. NOW PayPal is STALLING me from my listed ability by PayPal 's own regulations, that I can file an APPEAL since I do not agree with their seemingly biased decision in favor of the seller. PayPal declared the CASE CLOSED XXXX XXXX, 2017. YET they have NOT officially listed my case as CLOSED. This means I CAN NOT FILE ANY APPEAL. The deadline for my Appeal is XXXX XXXX, 2017. I have less than one week left to file, but am PREVENTED by PayPal. In all that has occurred, it would appear to any reasonably intelligent person that PayPal Resolution or their Complaint departments are NOT treating buyers and seller impartial and with fairness. Seller was allowed to upload images and edited text messages. I was NOT given the same opportunity even after writing and asking how I could submit my images unedited which would PROVE my truthful accounting instead of the fraudulent accounting the seller provided. I 'd hate to think PayPal in any department is compromised and part of International Fraud, but this is exactly how it seems and the only logical explanation for all I have been through. I CAN PROVE EVERY WORD I HAVE WRITTEN IF ONLY GIVEN THE CHANCE. Will you help me before time runs out? XXXX XXXX XXXX XXXX, FL

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Under the new law effective XXXX XXXX, 2017 any public record data must include name and address as well as SSN or DOB in order for it to appear in my credit file. The Credit Bureau has not updated the information and per the new true Bankruptcy listed does not include this information and should be deleted from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM AN IDENTITY THEFT VICTIM. I AM WRITING TO DISPUTE THE FOLLOWING ITEMS ON MY CREDIT REPORT. EACH OF THE INQUIRIES ACCOUNTS AND TRANSACTIONS I AM DISPUTING WERE OPENED AND MADE BY THE THIEF, AND NOT BY ME. I NEVER AUTHORIZED, USED, OR BENEFITED FROM THESE ACCOUNTS OR TRANSACTIONS IN ANY WAY : I DISPUTE THE FOLLOWING ADDRESS ON MY CREDIT REPORT THAT I NEVER LIVED AT OR DO I KNOW ANYONE WHO HAS LIVED AT THE FOLLOWING ADDRESSES : XXXXXXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX DISPUTE THE FOLLOWING NEGATIVE ACCOUNTS THESE ACCOUNTS ARE NOT MINE I NEED THESE ACCOUNTS OFF MY FILE IMMEDIATELY!!! : 1.DEPT OF ED/XXXX ACCT # XXXX XXXXDEPT OF ED/XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX. CHILD SUPPORT ENFORCM ACCT # XXXX XXXX. XXXX XXXX ACCT # XXXX ATTACHED ARE A COMPLETED POLICE REPORT FTC REPORT CONSUMER FINANCIAL PROTECTION BUREAU COMPLAINT IDENTITY THEFT AFFIDAVIT AND XXXX XXXX BILL DRIVERS LICENSE. PLEASE DELETE THE DISPUTED ITEMS FROM MY CREDIT REPORT WITHIN FOUR DAYS AS REQUIRED BY THE FAIR CREDIT REPORTING ACT.

Company response to consumer: Closed with explanation