BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-08
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, over 2 weeks ago, XXXX XXXX XXXX, d/b/a " Coinbase '' XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, made two purchases from me and agreed to wire the purchase prices of {$15000.00} and XXXX ( total of {$41000.00} ) to my bank, XXXX XXXX XXXX XXXX, to my checking account. I have paper documentation on this. 

As of today, XX/XX/XXXX, XXXX XXXX has failed to make payment. XXXX XXXX is in the unlawful possession of over {$40000.00} of my money. XXXX XXXX engaged in " fraud in the enticement, '' indicating his willingness to engage in a fair sale with no actual intention of paying for the merchandise, nor the ability to do so. 

Far from denying the allegations, XXXX XXXX admits to it on the " Coinbase Support '' XXXX feed, dated XX/XX/XXXX, XXXX, Where he says, quote, " We are processing a backlog of outgoing wires from XX/XX/XXXX''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: EQUIFAX, INC.
State: MI
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:
Hi, I recently sent in multiple documents about a few negative accounts on my profile that was unfamiliar to me and needed to figure out where they came from. I send out letters mutliple times over the past few months as stated below : Accounts from student loans DPT EDXXXX XXXX US DEPT ED? ??? ( no money was dispersed or classes taken. ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Letters were sent on XXXX/XXXX/2021, XXXX/XXXX/2021, XXXX/XXXX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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:
In both XX/XX/XXXX & XX/XX/XXXX I filed a complaint with Transunion and XXXX about UNAUTHORIZED inquiries on my credit report, prior to this complaint I had a fraud alert added to all 3 credit bureaus early in XX/XX/XXXX I believe XX/XX/XXXX/XX/XX/XXXX and wanted to be contacted if my credit was run by any creditors during that time I received only 3 calls from creditors to look at my report those 3 were " XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX '' because I was shopping for a new vehicle. All other inquiries from the time I had mlthe fraud alert added till now were NOT AUTHORIZED and I asked to have them investigated and removed " Transunion '' completed their investigation on XX/XX/XXXX & XXXX completed theirs 2 days after submitting my complaint online, both stated that the inquires are Factual when they are not they took less then a week to investigate which I find a bit unbelievable I do n't think they actually did a investigation and it is GREATLY affecting my credit and hampering me from purchasing a new home!

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 2022-01-17
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My wallet and phone was stolen from me. The thief went in my phone and forwarded money from my credit card from a cash advance to herself. I explained that to the company when I was called and questioned about it. However, this debt was still forwarded to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I just received my credit report and noticed unauthorized items that should not be reflecting on my credit report. It has been a very hard time during this pandemic and I am asking the bureau to pleas look into and remove this.

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 2017-07-28
Company: FACTUAL DATA CORP.
State: AL
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 an unauthorized inquiry from Factual Data which occurred on XXXX XXXX,2017. This inquiry appears on all three credit bureaus. I did not authorize anyone to access my credit report on this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: Financial Data Systems
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is against Financial Data Systems. This is my 4th or 5th complaint. 1st let me explain they have been removed from my credit report before, with the same amount owe, but still seems to pop back up on my credit reports which is illegal. The last complaints I filed through CFPB, the Company stated they had advised the Credit Bureau to remove this from my file. This company does not have the right to collect on a debt medicaid has already paid for. This again is illegal.

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 2022-01-17
Company: EQUIFAX, INC.
State: NY
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 170 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-27
Company: ENCORE CAPITAL GROUP 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: Old information reappears or never goes away

Complaint:
Hello, I had a collection reported on my credit report that occurred approx. 14 years ago. It was removed from my credit report many years ago. However, it has now been placed back on my credit report, with a different creditor and a different collection agency. When I contacted the agency they advised that they account had been sold and they were now attempting to collect the debt. I believe in Florida the SOL is 7 years. I can not recall the original creditor, I believe it might have been XXXX XXXX. It is now reported as XXXX XXXX XXXX. Collection Agency : Midland Credit Management Inc., the outstanding amount owed is XXXX They continually call me and send me letters with offers to pay 20 % and 40 % of the outstanding amount due. I would really appreciate any assistance you can provide to have this resolved. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17
Company: NCB Management Services Inc.
State: OR
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:
Received a letter from a debt collector ( Management Services XXXX ) regarding an account with XXXX XXXX XXXX XXXX NCB Management Services purchased this account. Letter states as of XXXX XXXX, 2021 I owed XXXX. 
Never dealt with either company. The XXXX & phone number used to obtain the account is not mine ( or anyone I know ). I have filed a fraud report with local PD ( Incident # XXXX. 
The debt is NOT MINE!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This bank treat me horrible Ive apllied so many times No matter what I do their system autimceticolt declined me Ive been applying Since XX/XX/2016 and they still wont approve me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: CITIBANK, N.A.
State: KS
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a Citi Biz Checking account under a XXXX dollar promo. I transferred money to my account from XXXX 20 days after singing up. The 15000+ necessary for the promo. 

However, Citi took the remaining the remaining 10 days + 1 to have the funds show up. I chatted with Citi rep to make sure I was still eligible for the promo as counting of days would affect whether or not I was eligible and I wanted to confirm before leaving XXXX sitting in the account. I wasn't sure if I was good because the account wasn't open when I applied due to they needed to actually open the account, if the day they opened the account counted or if it was full days, or if I had 30 biz days since weekends cut into transfer time. 


I was informed that I was still eligible for the bonus and that if I left the money in the account I would get the XXXX of the XXXX bonus ( there was an additional XXXX for a direct deposit and I would get that if my direct deposits posted as well ). 

Because of minimum balances for my old account and autopays I had set up, I was charged fees for my other accounts. I thought about transferring the money back before the fees kicked in, but decided against it because the bonus was worth it and I was assured that I would get it. I am sure glad I saved the chat trasncript from them because Citi is really being shiti about the bonus even though I was assured I would get 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 monetary relief
Consumer complaint received 2019-07-30
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently made a payment of {$230.00} to Enhanced Recovery Company not knowing that I had the right to dispute the account. I was paying to prevent from having multiple negative entries on my credit report. The Collection Agency placed an entry on my credit report before notifying me in writing or allowing me to validate the debt. I pulled my own credit report out of surprise that the entry was made but placed as a zero ( 0 ) balance. I received no notice from the collection agency just paid them without knowledge that it was already listed on my credit. I submitted a certified return receipt letter to them dated XX/XX/2019 validating the debt with no response. I submitted a dispute with XXXX   XXXX report they updated the information with no proof of how they verified the entry. I dont have anything with proof that I actually owed that amount & when did this account went delinquency. They are reporting incorrect information. I dont have any information about this account from the Collection Agency that states they are collecting for XXXX XXXX XXXX. I request for documentation or for the entry to be removed from my credit report with XXXX. I have supporting documentation to support this complaint such as the certified letters & letters received from 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 2022-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I noticed unauthorized items on my credit report in the amount of {$570.00}. I would like to have the the following removed from my credit 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 non-monetary relief
Consumer complaint received 2017-07-28
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I and my husband each opened a 6-9 month CD on XXXX XXXX, 2017at an HSBC branch bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX as part of a promotion. We also opened a checking account and applied for charge cards. Everything went as it was expected to. We presented the teller with our check and received the appropriate paper work for each of the XXXX CD 's, the checking account was opened and the information for the charge cards processed. The checks were cashed. A couple of days later, we were told the bank was closing our accounts and would be mailing back checks in the amounts we deposited. The bank teller ( XXXX XXXX ) read an email which made no sense and would not elaborate on it. Her manager ( XXXX XXXX ) gave no further information but said that the bank had a right to close an account and they did not have to give a reason. My husband called the customer service number, spoke with someone named XXXX who refused to give him any information including any identifying information such as a tag number to further identify her. As we both were DEPOSITING money, have good credit to the best of our knowledge and have never had a problem depositing money or opening accounts, I believe I should be given an explanation. If it is fraud or some other reason, I would like to know it so it will not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: EQUIFAX, INC.
State: MO
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 am a victim of the Equifax data breach. I am a victim of identity theft. Equifax has not responded within the timeframe given to complete an investigation about this fraudulent account being reported by XXXX XXXX XXXX along with the address they are reporting. This account and address needs to be removed immediately. I have been going back and forth with Equifax for months about this account and its been costing money, time and peace of mind. Equifax needs to take this complaint seriously because they are in violation of the law!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Harpeth Financial Services, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/XXXX I borrowed {$1000.00} To date I have paid {$7400.00}. 
On XX/XX/XXXX I called and talked to XXXX at XXXX XXXX. She I had a current balance of {$1700.00}. I confirmed with XXXX that my revoke of authorization for auto XXXX XXXX charges was received and place on my account as of XX/XX/XXXX. 
I have repaid my load more than 7 times over and the balance keeps going up. 
I have asked for a help but don't receive any.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-07
Company: EQUIFAX, 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: Report provided to employer without your written authorization

Complaint:
I was contacted by Equifax about a person inquiring about my credit. We are attempting to get a mortgage. I have only given two sources permission to check my credit money source and e mortgage. I attempted to file a dispute with XXXX XXXX, and this is my second time trying to file a separate dispute, and each time they ask questions that even though I have the answer, does not put me through on the system. So the only way that they are receiving any information is by mail which takes weeks. You 're making no attempt it all to resolve issueS thru email.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17
Company: Experian Information Solutions Inc.
State: AL
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 writing about the inaccurate information that continues to report on my credit file because of the negligence of the XXXX, Experian and XXXX representatives. I am a victim of identity theft and I have supplied an enormous amount of documentation to support the deletion of fraudulent accounts. I have requested on numerous occasions for validation and verification that the XXXX, Experian and XXXX employees have received to show these fraudulent accounts are mine and have received nothing. This is because there is nothing as these accounts were opened fraudulently. However, XXXX, Experian and XXXX reports that they have verified these accounts are in fact mine. Who at XXXX, Experian and XXXX verified this account? Who did they verify with? I also have several other accounts where I have submitted the police report to show they were fraudulent accounts. Once again, XXXX, Experian and XXXX is still reporting these accounts and the other bureaus have deleted after investigation. These accounts are ( XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ). This is beyond ridiculous and negligent. I have also placed a fraud alert on my account to stop ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) fraudulent inquiries on my credit file.

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 2017-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 unauthorized inquiries on my report. I have not applied for any credit and Trans union refuses to remove the inquires.

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 2022-01-17
Company: JPMORGAN CHASE & CO.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
They put a hard inquiry on my credit which was not mine I never inquired anything with chase I think it might be due to identity theft it took my credit down alot and I want it removed blow is a picture of the company that did it and the date it was did

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-20
Company: Medical Recovery Services, LLC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2019 i received an summons. i was being sued by medical recovery services. On XX/XX/2019 i personal went to the office of XXXX XXXX XXXX XXXX XXXX XXXX, pllc. They explained the debt i owed and the fact that I now owe filing fees, attorneys fees, and legal interest. I paid {$630.00} for everything. On XX/XX/2019 my wife filed chapter XXXX bankruptcy. 
On XX/XX/2019 i received an email from XXXX  saying a new collection account was added to my credit. After reading the email and looking at my credit report. I already paid this account. On XX/XX/2019 I called medical recovery services and they refused to give me information on a collection i already paid. I then filled 2 desputes with XXXX and they keep telling me i owe the debt. This debt is causing a negative impact on my credit for every month that goes by its saying i haven't made any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Square Inc
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had cash app and as being scammed asked for payments to be frozen but not security features were available besides dispute transaction. I did so and told 2 days later no fraud was committed. Ended up in the hospital for months in ICU and XXXX XXXX, when able I tried to reopen the case which was denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Rainier Collection Services, Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a medical Debt off in full that went to collections on XX/XX/2020. When I paid the debt the agent told me it would process in 30 days and reflect on my credit as such. I waited until XX/XX/XXXX to contract them again and at that time they informed me that they wouldnt be reporting recent payoff and when I asked for a manager I was hung up on. I want the account closed on my credit.

Company response to consumer: Untimely response
Consumer complaint received 2019-09-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Online access is restricted upon checking USAA claiming I have filed too many complaints and the company is exercising its right to terminate the relationship with me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation