BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-18
Company: Affirm Holdings, 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:
I am writing to bring to your attention a matter regarding the violation of the Gramm-Leach-Bliley Act by the company Affirm. It has come to my attention that Affirm is not allowing me the right to opt out of disclosure, which is a direct violation of my privacy rights as outlined in the Act. 

According to the Gramm-Leach-Bliley Act, individuals have the right to control the disclosure of their personal financial information. This includes the right to choose whether or not their information is shared with third parties for marketing or other purposes. As a customer of Affirm, I should be granted the opportunity to exercise this right and opt out of such disclosures if I wish to do so. 

I kindly request that Affirm promptly rectify this situation and provide me with the necessary means to opt out of any and all disclosure of my personal financial information. Failure to comply with the requirements set forth by the Gramm-Leach-Bliley Act may result in legal action being taken against the company. 

I appreciate your attention and prompt action in resolving this matter. Please provide me with written confirmation once the necessary changes have been made to ensure compliance with the Act. Should you require any further information or clarification, please do not hesitate to contact me at [ your contact details ]. 

Thank you for your cooperation and understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Coinbase attempted to do a XXXX check. I questioned the link they sent. The sent another suspicious link. But it was from coinbase compliance. I provided all the information they needed. I had close to $ XXXX in the account when this all started and needed to withdraw to pay for medical bills, etc. They have had my account locked for XXXX now. I cant speak to anyone. I've used their online chat about XXXX times only to get nowhere. I cant tell if there is an active issue logged, or whether they are working to clear the account for trading. In the meantime, the account is down 50 % and I cant do anything about it. 

Please help me. All I have is a reference # : XXXX and the email from compliance, compliance-kyc @ coinbase.com. I really need assistance here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of XXXX XXXX XXXX XXXX aspects. Also, I have been hearing a lot of recent news that the Bureaus are having data and system issues. I disputed the fraudulent information on CITICARDS CBNA from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please investigate and remove it from my personal credit file. Thank you. 

( CITICARDS CBNA 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 2023-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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 just got done cleaning up my bureau report with Transition yet I found and unauthorized inquiry from some XXXX  that was pulled an XX/XX/2023.. I never applied for any services with this bank and I notified Tranunion of false inquiry that ia causing harm to my credit bureau report they refuse to remove.. I do not never have any account with this XXXX and this is misinformation that XXXX is refusing to remove ..I need the CFPB to step in and apply legal means for forcing law on unauthorized inquiry that XXXX is allowing harm by refusal to remove

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 2022-01-17
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2020 there was a card to bank transfer for XXXX says XXXX XXXX personal checking ach ... .. then I called them and told them to cancel that because I wasnt sure why it happened although I did make an attempt to transfer money around that time. They said ok and did they also issued me a new card. 

On XX/XX/2020 I got messages stating It was canceled or reversed and credited to my acount. 

On XX/XX/2020 I got another message stating the reversal was canceled. 

On some of the messages it says... .original transaction I'd is XXXX ... on another it says XXXX... I dont know if that's relevant. 

I called again and asked what happened they said they couldn't stop the transfer and couldn't refund it. I asked them for the information on were the money was transferred to but they didnt give it to me. They told me I needed to do it myself or something because it went into my account. They said they would send me a statement or information. But I never got it. I called meny times. Asked meny times they still havent helped me find were the money went. 

My email is XXXX And my phone num. Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXXXXXX XXXX  pa. XXXX Please help me find the money

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 2023-07-18
Company: Net Pay Advance, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Received a loan you didn't apply for

Complaint:
I took out a loan with XXXX XXXXXXXX XXXX on XX/XX/2023, when they deposited {$1000.00} in my bank account. Then on XX/XX/XXXX a payday loan went out but a week later on XXXX XXXX a withdrawal of {$300.00} tried to go out of my bank account. An at that time my account had been hacked. Not only was my math that week incorrect with my bill scheduling but I noticed my bank account transactions were rearranged as well as {$11000.00} missing out of my bank account. I had just taken out a serious of loans to finalize some permits. I have file a case with my identity theft insurance company to correct the issue they have requested police reports ones I have filed but I haven't heard back from anyone so I decided to file a new dispute. Here is my insurance information. Claim Information Claim Number : XXXX Policy Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you have any questions about this correspondence, or if you have additional information that you would like us to consider, please contact your claims adjuster at the number listed below. Our office hours are XXXX XXXX XXXX XXXX XXXX Monday through Friday. We appreciate your business and thank you for being a valued customer. 
Sincerely, XXXX XXXX XXXX Claims Operations Claims XXXX T. XXXX XXXX XXXX XXXX XXXX If you no longer want to receive e-mail communications at the e-mail address provided, refer to the Electronic Business Consent disclosure XXXX XXXX XXXX XXXX  ) for instructions on how to opt out. Please help me fix this issue. Sincerely XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
In XXXX on XXXX XXXX, 2019, I was overcharged {$480.00}. XXXX. I contacted Capital One immediately and explained. They processed it as fraud instead of an overcharge and removed it- only to recharge it on XXXX XXXX when they decided it wasn't fraud. I called again and explained the same story I had at first- that it was an overcharge. They removed it again on XXXX XXXX and waited for a response from the retailer in XXXX. However, on XXXX XXXX, they re-billed the amount after receiving a receipt from the store. They sent me the documents provided, and the receipt 's signature doesn't even resemble my name, let alone my signature. I provided all the documents they requested to fight the charge again- a signed and dated letter including my case number, the merchant 's name, date of transaction, disputed amount, a description of what I have done to fight the charge, and a copy of the receipt I was provided at the time of purchase. They once again removed the charge when they received my documents. However on XXXX XXXX, they put it back on my statement saying they didn't receive the necessary documents. Apparently, my receipt ( which is handwritten because they claimed to be out of credit card tape ) is a non-return agreement instead of a receipt. It is in XXXX, so I was unaware of this ; however, it does have the correct charge on it of {$25.00}. However, Capital One won't use it as proof of overcharge since it isn't an actual receipt ; yet, they are using the forged receipt from the retailer as proof of purchase because " they aren't signature experts ''. Supposedly Capital One is sending it to another department for investigation but won't remove the charge. So my bill is due XXXX XXXX, and I am looking at interest charges or late charges that will damage my credit if I don't submit payment. After doing some research, I have found many other Americans who have had this same thing happen when traveling out of the states. Apparently, it isn't isolated to XXXX, and around {$500.00} seems to be the amount overcharged. I assume it's low enough that customers don't seek legal action that would cost even more. The retailers seem to have found the perfect scam that credit card companies allow based on their legal agreements and requirements for overcharges that favor the retailers over their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021 I enrolled in a interest free cash transfer and of XXXX dollars plus a XXXX dollar transfer fee which went through perfectly. Except a week later when looking at my statement the trans action was input twice the cash transfer of XXXX dollars and the XXXX dollar transfer fee. I have been calling for about 3 weeks and they XXXX Bank who issued the XXXX master card keep telling me they will correct it and they informed me it happened to a lot of people in error. My main concern is that it has dropped my credit score due to the cards over limit that they caused.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-23
Company: Benuck & Rainey, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a letter, Dated : XX/XX/2019 from Benuck & Rainey , inc., Falsely claiming that, I owe {$400.00} to XXXX , XXXX, This debt is not mine.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-16
Company: Experian Information Solutions 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

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 2018-02-09
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
We banked with Citibank for years, and recently we changed the title from our regular joint checking to a XXXX  XXXX XXXX  about a month and a half ago, then : XX/XX/XXXX ( Fri ) : Used ATM and found the checking was put on-hold, without any notification from Citibank. Called the branch office and was told there were concern from Citibank regarding our XXXX XXXX  information. The representative said the information we provided before should be OK and the account should be unlock the next day. 
XX/XX/XXXX ( Mon ) : The account was still on-hold, no transactions in and out of the account dated after XX/XX/XXXX. Got no answering to the branch office, I e-mailed the branch representative and asked for resolution asap, as our family cash flow was frozen. No response. 
XX/XX/XXXX ( Wed ) : Visited branch office. Branch representative communicated with the branch XXXX and made necessary copies of my XXXX  XXXX again. Another promise that the account will be free in the next couple of days. I again emphasized that frozen the account meant non-payments to our auto-pay bills and missed deposits of our pension and wages. Late fees will incurred. 
XX/XX/XXXX ( Fri ) XXXX. Got an e-mail from branch representative indicating that the account was back to normal and said they will take care the late fee, if any. I was eventually able to log in the account on XX/XX/XXXX, not XX/XX/XXXX. 
XX/XX/XXXX ( Tue. ) I was checking my account on-line and saw an attachment dated XX/XX/XXXX, indicating that based on the result of their review of bank information and records, they have the right to close our account by XX/XX/XXXX.  No explanation of what was wrong. 
This last few days, we found another bank and opened a new checking account and try to re-set all the auto-pay and auto-deposit accounts to the new account, while waiting for this Citibank account to be closed. No apology from the bank for all these trouble and anxiety caused by the Citibank. 
This whole experience was scary, as we did not do anything wrong and we have shown them the whole XXXX XXXX document for them to make the necessary copy. Yet, out of nowhere, the account was frozen for almost 2 weeks. I do not believe this is legal. Just like any business, how can a family 's daily life not be jeopardize by cutting off the cash flow of their checking accounts?. Citibank needs to change the way they handle their client so in the future, other families will not fall into such terrible situation.

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 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have submitted multiple request for XXXX to validate/verify a XXXX auto repossession appearing on my credit reports. I have advised the bank my identity was stolen while traveling. Additionally, I have provided documentation to support my claim i.e police reports, identify theft reports, leases, utility bills, etc. I've also mailed multiple request for All Executed Contracts and Documents on this account to validate/verify this debt and confirm the balance. Demanding that the bank either forward the requested documentation or immediately cease collection and remove this account from my credit file. 

To Date, I have received conflicting notices from both XXXX ( notice of repossession on XX/XX/XXXXXXXX  ) and XXXX ( notice of insurance claim on XX/XX/XXXX ). These notices/documents suggest the vehicle was repossessed and involved in an accident on the same day. The notice from XXXX indicates an insurance claim was filed, as a result I received an incident report form requesting information. The notice from XXXX advised of the repo and the right to retrieve personal items. I have sent correspondence to both companies requesting all executed contracts/documentation to validate both accounts - vehicle and insurance. Yet, I have not received a response from XXXX. However, XXXX continues to forward generic letters assuring me the debt is valid without sending any of the requested documents to support their claim. Additionally, XXXX has sent XXXX identity theft forms that require MN XXXX. I DO NOT LIVE IN MN. Therefore, i am unable to have the forms notarized. 

Finally, the XXXX letter indicates the vehicle was repossessed XX/XX/XXXX. It is now XX/XX/XXXX was the vehicle sold? why is the debt still reporting at XXXX. Is this the deficiency balance? How much was the original debt? Simply - This companys practices are fishy!!! I have escalated these request to the governing authorities XXXX, 3 Major Credit Bureaus, MN Dept of Commerce, and NCUA. Unfortunately, XXXX continues to validate the debt with each agency with out providing me the requested documentation.

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 2023-06-08
Company: ALLY FINANCIAL INC.
State: TN
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 this creditor XXXX has violated my rights under 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 USC 1681 Section 604-A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B 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 2023-07-18
Company: FISERV INC.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company called TRS is sending fraudulent papers in the mail pretending to be work for XXXX XXXX. But i called the XXXX XXXX XXXX XXXX, they told me, they have no Idea what I talking about. I sent them a copy of the letter, not sure your company has a copy. This need to prosecuted to the fullest extent. 
Thank you XXXX from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-14
Company: Experian Information Solutions Inc.
State: WI
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  refuses to investigate a dispute. I submitted disputes through their system and the information that I'm disputing is incorrect and needs to be fixed. When they completed their investigation the first time nothing was changed they claim that it was verified but upon calling them they didn't verify anything with the company and just repeated the same false information. So when I try to submit another dispute they block the dispute because they claim to have already investigated it. They have not done so and continue to block any effort to dispute the incorrect reporting that they are doing. There are five line items on my credit report that are false incorrect and not in negative status. Experian refuses to delete these items they continue to block any efforts and will not investigate anything. I need help to get these items removed from my credit report as they are false. Experian refuses to actually contact the individual companies to get the information to fix the problem. They claim that they have investigated it but they have not.

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