BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-20
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
The reason for our complaint basically lies in a problem that occurred during a Cryptocurrency transfer between two applications of the same company ( COINBASE ). 

Having tried on several occasions to solve the problem through the customer service of said company ( COINBASE ), the only thing we have received have been standard responses, in some cases with evasions, and today we still do not know the status of our claim and we do not have any information that relates the events that occurred. 

We have tried to explain the sequence of actions that was carried out, but it has also been in vain since the sending of images through the support communication channel is not allowed. 


Making a summary, the shipment that was made is 1 XXXX XXXX from Coinbase ( Which is one of the applications ) to Coinbase Wallet ( Which is the other application ), once the XXXX XXXX was in my Coinbase Wallet I send it back to Coinbase and it is at that moment when the page begins to register loading errors, showing the XXXX XXXX XXXX  with only some options available unlike normal, the only option that appeared was to send and receive through a XXXX XXXX to a XXXX address, when in reality in the XXXX XXXX  you should only be able to receive XXXX The application errors caused the page not to load all the necessary information and the address to receive instead of appearing with XXXX XXXX which was the automatic option, only XXXX appeared when it is not a compatible currency in the XXXX XXXX XXXX portfolio that currently can only work with XXXX XXXX 

I attach some images and videos you can compare in how the page was working during the errors and how it works nowadays, also you can check in some images my wallet movements. 

The are 2 videos one with the day of errors and the other is the same process but saved today where you can see the errors automatically assigning XXXX where it has to be XXXX XXXX. 


Dates : XX/XX/2021 Case Ticket Coinbase Support XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Amount : 1 XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-27
Company: Revco Management, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
dear agency I was robbed I already made a report here to let you know that the thief used my documents to commit crime and fraud in these last months I'm suffering a lot with so many calls I'm getting from companies and unknown numbers about these collections are asking me to pay money I am also under threats for this reason I moved house I went to live in another city I am very scared they are cursing me and they are threatening please delete these fraudulent collections on my credit God bless you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax will not freeze my credit or allow on-line access to manage my credit ffreeze.

I attempted to set up an Equifax on-line account and Equifax failed to enable the account. I followed the on-line process to have a code mailed to my address. After the code was received and entered the on-line account still did not allow access but said I had to call. After calling Equifax I was told I had to send a letter with a photo copy of ID ( license or passport or ... ) I sent a letter with a photo copy of my passport. Much later I got a letter from Equifax stating that I basically don't exist or maybe I am not a US citizen ( despite the fact I supplied a copy of my US passport ). I do not know how to resolve this issue after spending a lot of time on it already.

Note : I was able to easily freeze my credit on both XXXX  and XXXX  web sites.

I do have significant credit history with multiple credit cards, etc. so Equifax can find my information.

After Equifax 's negligent handling of my most personal information resulting in it being compromised it is amazing that Equifax is seemingly being obstructive in freezing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXX,2017 I 've decided to make things right showing proof to Nelnet student loan just took over my student loan by writing checks from XXXX - XXXX post dated showing what I could pay well unexpectedly events happen that left my checking account little that Nelnet started processing my checks I know that if they waited a couple of days my direct deposit would have solve the problem but no they kept processing more then XXXX leaving my checking account from a XXXX negative to almost a thousand negative I was devastated and left with nothing and have XXXX daughter 's to support I was miserable felt violated I called them as they say it 's up to the treasure not only did I called but sent emails a few times to stop processing my checks no response.The only thing in my name that was on good standing my child support direct deposit all of it to the mistakes I thought was doing right. I never recover from it. My whole life I had people take advantage of me and it never stops I 'm a single mom I 'm trying to get my life back at the same time care for my XXXX XXXX XXXX dad and look out for my older brother fortunately family has helped but it does n't fix what I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Action Collection Service
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
I have tried to communicate with the collection agency and negotiate a payment or a payment arrangement. I was told by the rep at the collection agency they can not help or talk to me. They stated it was with an attorney and they would need to take care of it. I reached out to the attorney and was called by a secretary who then called back to the agency to submit my offer. They refuse to take any arrangements. They have also contacted me several time before XXXX am multiple times in a row calling back to back

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: Experian Information Solutions Inc.
State: CA
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:
The mortgage company initiated a hard inquiry without authorization for a hard pull. I was advised by the agent that they remove the inquiry but still on my report. I called Experian and XXXX but both refused to delete or remove the said inquiry from my credit. which is detrimental and damaging to my credit report. XXXX reported twice the inquiry.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-22
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
RE : Home Depot / Citi Bank Card I had a limit of {$18000.00} with a balance of only {$10000.00}. I have paid on this with Autopay and have maintained 100 % positive payment history with this and ALL my credit cards. I recently paid off about {$25000.00} on other accounts and then recently opened an account for my home air conditioning with XXXX XXXX for {$15000.00}. So my overall debt has come down since I opened this account and have maintained 100 % positive payments on all my credit accounts. I have also had my income increase since opening the Home Depot account. On XX/XX/2020 Citi Bank system ran a report that noticed the recent addition of the XXXX XXXX account and they decided to reduce my credit line by {$8000.00}. This adversely impacts my debt to credit ratio hurting my overall credit score. Citi Bank did not really care and offered no way to correct this. In addition the supervisor did not have any information to provide me on their OCC auditor or any contact information for their compliance office and told me I had to write into this address to get anymore information : XXXX XXXX XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX The agents badge number I spoke to was : XXXX Citi Bank has hurt my credit even though I maintained my end of the agreement and have a 100 % positive payment history. 

Stay away from Citi Bank and Home Depot!!!!

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 2017-09-29
Company: HCFS Healthcare Financial Services of TeamHealth
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted ARS at the phone number XXXX regarding multiple accounts listed on my credit report, they are all listing duplicate and re-aging on my credit file. I have a seeked a lawyer as this info is damaging. There are three accounts listed {$29.00}, {$74.00}, {$1000.00}. I have asked over and over to please send info and prove how I owe the debts amount. I have yet to receive anything. I spoke with an agent name XXXX back in XXXX XXXX who advised she will have a lawyer contact me and open up a lawsuit if I dont send a check and address it to XXXX XXXX XXXX XXXX XXXX FL XXXX. I also called other times where agents advised they will not resend anything to me. At this point I want to pursue with a law suit for these so called alleged charges from 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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Transunion is reporting inaccurate information on my credit report. 

The following information is the inaccurate information. 

XXXX XXXX XXXX Loan 2 late payments, when there is no late payments. 

The following closed accounts are showing incorrect data on my credit report. 

XXXXXXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXX XXXX shows as a charge off as well as a balance at the same time. How can a charge off have a balance delete this inacuracy. 

XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 
XXXX XXXXXXXX XXXX shows as charge off with a balance how can a charge off have a balance please delete this. 

XXXX XXXXXXXX XXXX shows as charge off yet it has a balance how can a charge off have a balance please delete this. 

The following names on my profile are not my name XXXX, XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-04-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2022 XXXX XX/XX/2022 XXXX All from XXXX XX/XX/2022 XXXX Cashier check All taken from my account without my knowing, USAA will not solve my problem and not refund my money. Please help. I can send bank statements if needed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: Continental Services Group, Inc. d/b/a ConServe
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:
Conserve is an account that I acquired due to a student loan. It is currently reporting as an unknown item on my credit report. They are three different accounts. I have asked that they be combined, but they have stated that they are unable to combine them into one account. Therefore, for the last four months I have been making payments to all three accounts. {$100.00}, {$25.00} and {$25.00}. I was only able to afford {$200.00} extra in my budget. But the payments have come consistently and they have accepted them. Not only have I paid them for the last four months consistently, it has come at the same time every month. 

After the second payment, I received an alert that the account was reported as negative again. This alarmed me because I had made two payments consistently. I contacted Conserve and asked why they hadnt reported making payments or paid as agreed. They informed me that the credit bureaus needed to report it that way. But after the third month, it again reported it the same way -- -- a negative status. 

Not only have I reached out to Conserve regarding this, but I have also reached out to the three major credit bureaus. They only report the payment going lower and not the payment itself. 

This reporting has caused my credit report to continue to decline in numbers. I am requesting that this be resolved immediately. The payment should be as follows : 1. XXXX -- - XXXX XX/XX/XXXX {$25.00} 2. XXXX -- - XXXX XX/XX/XXXX {$25.00} 3. XXXX -- XXXX XX/XX/XXXX {$100.00} In addition, this is reported wrong. It should be categorized as a student loan, not other.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-21
Company: CITIBANK, N.A.
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/XXXX I opened a CIti checking and Savings accounts as a result of a {$500.00} advertised promo I got in the mail. In early XX/XX/XXXX I contacted Citi to verify what else is needed for me to get the {$500.00} promo, they told me that my account wasn't eligible for the promo. That was the only reason i opened the account.

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 2020-10-08
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile. 
I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-29
Company: WELLS FARGO & COMPANY
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:
Hello. On XXXX of 2017, I purchased a " Used '' XXXX. Before any purchase or my information was given, I informed the sales associate over 3 times I am approved by XXXX and I will be using XXXX since I have no care to look at any other options. The sales associate informed me I " have '' to submit a credit application through XXXX even though I had already created and submitted and was accepted by XXXX and that he " knows what he 's doing '' since it is the " credit process '' that will show XXXX approved me. Even when I submitted, the associate did not for once even show me other options ( even though I had no desire to ) and simply went through with my purchase. A few days later, I see a few hard inquiries, contacted XXXX for advice, and was informed what they had done should never have occurred and it was without my permission and shared that I should write to the Consumer Financial Protection Bureau to dispute this action that was wrongfully done as I had already received approval.

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 2022-04-27
Company: EQUIFAX, INC.
State: NC
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 listed the items below that violated my consumer rights ; under the Fair Credit Reporting Act, I have the right to dispute all the incomplete and inaccurate information in my credit account. 
It has no account name and only reports to Equifax. XXXX, XXXX, XXXX, XXXX, ( Original Creditor : ) XXXX, XXXX. 
According to Fair Credit Reporting Act 15 U.S.C 1681i, Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer. Section 623 ( a ) ( 2 ) : Duty of furnishers to correct and update information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: AMERICAN HONDA FINANCE CORP
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Honda Financial Services has continued to call me everyday mon - fri even after making 3 payments over a 79 day period.My account is only 27 days past due!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2017 I submitted a list of items that were unknown to my records and also unverifaible. I waited on a response and after 2 months I have 0 results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: ENOVA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They want to get {$5000.00} to me that they i owed from netcredit.

Company response to consumer: Closed with explanation