BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-05
Company: Coinbase, Inc.
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase account was hacked around XXXX, and I have a case # XXXX. 
I was getting some respounce but nothing anymore, I can sent all the emails I sent them. 
and they sent me. I found out about the hack on XXXX, I put a lock on the account and no transactions were going to be allowed and they put a holt on the account for 24-48 hours because of suspicious activity, I got someone on the phone and they said the account will be put on hold, But all transactions went through now I have XXXX in account .... This is one of the emails I sent Case # XXXX I would like my account back like it was before I was hacked on your site. I had {$4000.00} cash and some coin about {$200.00} in Dogecoin before XXXX what is going on over there someone needs to contact me. 
I would like to send all the emails so that you can see the email trail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-25
Company: Innovis
State: NY
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:
XX/XX/2019 And XX/XX/2019 this XXXX account popped up on my credit report which I was never aware I had given my information to any company in the passed months and I called them to get rid of it they said to contact XXXX and its just been a back and forth situation I need it to get all these off of my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
My current address shows as XXXX XXXX XXXX XXXX XXXX, CA XXXX. It should be XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
In XXXX of 2007 I went to WAMU at age XXXX to renew my current mortgage and combine the second mortgage i also had with them. I wanted to get my loans in order for my retirement. I explained that I was retiring soon and will be on fixed income and desired a fixed rate loan. I was told that they had a new product that would work perfect for me and agreed to take the loan. They also advised me that I would have to payoff my car and some credit cards, but that it would be better for me. I was told that the loan was a fixed rate product and that I would have an initial period of a variable rate which would allow my payments to be lower at first then convert to a fixed rate with a payment of {$2600.00}. 

I am now XXXX and had my son go through my things to make sure all is good. He has discovered that I am on an interest only loan and my balance is the same as it was 15 years ago. I was never told that i would have a balloon payment at the end of my loan and that I would be interest only for 30 years. I have tried to get answers from Chase with no help. 

We have gone through the paperwork which I had saved, and can not find any legal documents with the note or HUD Settlement statement. I would like Chase to forward me the original XXXX application and the legal note and documents that i had signed at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
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: Account status incorrect

Complaint:
The account was reported negative on Experian and XXXX XXXX, XXXX, and XX/XX/2019. My account was paid on time.

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 2019-06-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I have some of my information that is not accurate on my credit profile. I currently live at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I am self employed OWER OF XXXX XXXX XXXX. My DOB is XXXX my SS # is XXXX Please remove the following addresses they are not accurate : XXXX XXXX XXXX , XXXX, OH XXXX XX/XX/XXXX XXXX XXXX CT XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-09
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:
THE ACCOUNT IS A PAID AND CLOSED ACCOUNT THAT WAS NOT SUPPOSE TO REFLECT ON MY CREDIT. PLEASE HAVE THIS ACCOUNT REMOVED OFF MY CREDIT BECAUSE IT HAS CAUSED TREMENDOUS DAMAGE TO MY FILE. THE ACCOUNT APPEARED ON MY CREDIT WITHOUT MY AUTHORIZATION AND I WOULD LIKE TO HAVE THIS ACCOUNT REMOVED OFF MY CREDIT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-08
Company: EQUIFAX, 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:
In the month of XX/XX/2019, I discovered a inaccurate collection being reported to all three of my credit reports. On XX/XX/2019 XXXX  had fixed and corrected the problem with their investigation. XXXX  and Equifax had failed to fix or correct the problem. Ive sent both credit companies documents and requested numerous of investigations since then. XXXX has been very hard to get a hold of to submit documentation and requests for investigations. Most of the time, Ive had to use their sister organizations with XXXX XXXX and XXXX XXXX just to request an investigation. Both their partners dont accept documentation. Equifax is available to submit investigations and documentation but they fail to look into the relevant information. They are both reporting XXXX/XXXX  collection in the amount of XXXX dollars. XXXX had sent a letter stating that no collection exists in my name. Ive sent this information to both credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-24
Company: VW Credit
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
In XX/XX/2016 I leased a XXXX XXXX ( VIN XXXX ). I was clear that I needed XXXX miles per year because of my commute. This was discussed in person and via email with the sales manager. My previous lease, the lease referenced and current lease are all XXXX miles. 

When I turned in the vehicle I was charged for mile overage. It was then revealed that the lease documents were tampered with. 

The lease miles were changed on the document. The document that was given to us as a copy was not the copy that I signed. The paperwork that I signed absolutely matched the XXXX miles agreed upon. 

XXXX is not taking this seriously or even helping to investigate matters, they are reliant upon us for getting email records from our previous email provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2019-10-09
Company: M&T BANK CORPORATION
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
We have obtained a Installment loan from M & T Bank in XX/XX/XXXX through XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, TX XXXX. We had provided them with our new PO Box info when we sold our house and moved. We have been having issues with receiving information from them regarding our loan in the following list : *Last paper installments payment notices was XX/XX/XXXX. 
*Unable to log online line to view the account. 
*When they are contacted to request the information they do not provide any information and transfer us to other department and then get disconnected and/or they give another number to contact each time. We go through through this process each month every time. We were able to confirm our address with them once and the csr thought they had it in their system incorrectly and stated that she had noted it and made a change. This was XX/XX/XXXX. They will only take over the phone payments. 
They contact info for correspondence is : M & T Bank, Lending Services, Customer Support, XXXX. XXXX XXXX, XXXX, DE XXXX. XXXX Thank you, XXXX and 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 2020-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Back in XX/XX/2015 Capital One incorrectly reported missing corporate credit card payment as my personal negative item to XXXX credit bureau. I recently discovered it is still there on my personal credit report. I contacted Capital One, closed that account and ask bank to remove it from my personal file. They not only refused to do it to me, but also refused it after I disputed it with XXXX. So, XXXX refused to delete this item too. I have XXXX credit score with other credit bureaus, but not with XXXX because of that issue. No other bank ever reported my corporate credit cards, nor mortgages to any credit bureaus as my personal depts. I think all banks should follow the same regulations and practices. I need someone to take a look on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1681b ( f ) - reporting inquiries without my permission and 15 USC 1666 ( b ) - truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

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 2021-10-18
Company: Larry H. Miller Group of Companies
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a low income minority customer. I went to Larry Miller XXXX in XXXX XXXX, CA. They high pressure steered me into a XXXX XXXX XXXX, which was worth $ XXXX at best. They had me finance $ XXXX. 
Here 's the problem : I make {$15.00} an hour and they lied on my credit application and said that I make $ XXXX per year in order to get me approved for a 25 % interest subprime loan with XXXX XXXX . Yes, the dealership lied about my income to get me approved for a loan. On top of that, turns out XXXX is in on the whole scheme. XXXX XXXX business model revolves around issuing predatory auto loans that their own data shows 70 % of customers will default on. Their own data shows they are ruining the lives of minority customers. XXXX is fully aware that dealers routinely lie about their customer 's income to get them approved for these fraudulent loans. 
Both the dealership and XXXX are engaging in abusive harmful practices. The CFPB must act and shut XXXX down and sue these car dealers that are pushing their customers into abusive and fraudulent auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Gift 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/2022, I purchased a XXXX XXXX gift card through their official business partner XXXX. On XX/XX/2022, my wife and I attempted to use that gift card to make a delivery order from the XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CO XXXX. Despite our instructions to the restaurant including our apartment number, the delivery driver briefly placed our order at the base of the stairs to our building ( we live on the third floor ), took a picture so he could claim he had delivered it, and then left. I went to the ground floor less than XXXX minutes after receiving the notification and the order was not anywhere around our building. My best guess is that he took it back to his car and left with our food immediately after taking the picture. I immediately called the XXXX XXXX location and they said they would refund the {$41.00} cost of the order within XXXX business days. They did not do so, and they have been incredibly unresponsive every time I've tried to reach their customer support over the last XXXX months. I also contacted XXXX, and they simply referred me to XXXX XXXX support since they apparently don't handle refunds. XXXX XXXX has offered me a gift card for {$25.00}, about 60 % of the value of the stolen order. I want to get all of my money back since I did not receive any part of the order. I currently have a XXXX complaint open against XXXX XXXX, but I want there to be some accountability for XXXX as well since they are complicit in this customer service runaround. Both companies are using deceptive tactics and jointly dodging responsibility for the atrocious service they are offering, as well as aiding each other in ripping off would-be customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
To Whom It May Concern : I recently received a copy of my credit report and I noticed your furnishing an account on my consumer report that should not be on there. I demand the below accounts be deleted from my consumer report.

US DEPT. OF EDUCATION/XXXX - {$14000.00} Opened - XX/XX/XXXX ( 10 yrs, 3 mos ) Account status - Open Type - Educational The reporting of these account ( s ) is/are violations of 15 USC 1681a, The Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. 
This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit.

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 2018-01-12
Company: Exeter Finance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
XXXX 2017 I purchased a car from XXXX XXXX in XXXX NY. I put the money down and drove the car for 3 weeks when XXXX XXXX decided they cancelled the loan. However I never received a letter to that effect. So I been driving the car but no finaning. Its insured and legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: LA
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:
On XXXX/XXXX/XXXX I requested proper validation and verification or removal of this account. 

Please note : I am requesting verification of the account and I do not need you to provide me proof of my mailing address. I am respectfully requesting that your office provide me with evidence that I have a legal obligation to pay you. 

Please provide the following : Detail of what the money you say I owe is for How the amount you claim owed was calculated Verify that the legal statute of limitations is still in effect Copy of your agreement with the original creditor Provide me physical papers that show I agreed to pay what you say I owe ( including my signature ) Provided a copy of any judgment you have received, if applicable Identify the original creditor Please provide a copy of your LICENSE TO COLLECT in my state, including the number and registered agent Please ACT IMMEDIATELY as I am sure you are aware that reporting invalidated information to the three credit bureaus may constitute DEFAMATION OF CHARACTER and deprives me of my right to enjoy good credit. Until this debt is validated, you MAY NOT CONTINUE TO REPORT the account to the credit bureaus or continue your collection issues.

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 2022-03-07
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an online checking and savings account with citibank on XX/XX/22. I transferred money from one of my XXXX XXXX XXXX accounts. The next day I went to XXXX to close my accounts except one. I realized I closed the account that the transfer was from. I called Citibank and they told me to go to a branch. XX/XX/22 deposited XXXX and the teller said not to worry about transfer it will just cancel. XX/XX/22 I transferred money from my new savings to new checking XXXX. XX/XX/22 I saw a block on my account and have tried to speak to citibank about it They will not explain and hang up on me. How can I get answers and resolve? I changed all my bills and deposits from XXXX to CITI and now I have no bank.

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 2018-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
A recently run credit check ( XX/XX/XXXX ) revealed that there was an open credit card through XXXX XXXX XXXX XXXXXXXX. I've contacted by XXXX XXXX  XXXX, as well as XXXX XXXX  today ( XX/XX/XXXX ), and neither have any records indicating that there is an open account under my name/SS #. They both suggested that I report this to the credit bureau. 
Please assist and advise. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan of XXXX dollars, annual interest from lending club 29.93 % in 36 monthly installments, the amount of installments is XXXX dollars every month. In XX/XX/2019 I made my payments on time and there were no late payment or missing payments. I was struggling with covid XXXX, i lost my job and they helped me for two months and thats when I didn't pay for XXXX months. They increased the number of installments to 38 months, then again when the time expired, I continued to make my payments properly and on time, but I saw that the debt did not decrease normally, the difference is now XXXX dollars. The amount of the debt has increased and it is increasing every month. 7 months ago, when I looked at my remaining debt, the difference was XXXX dollars. 3 month ago i checked the difference and it was XXXX dollars. Now the difference was XXXX dollars. I called the customer service, they did not help, they made up a lot of excuses, they helped as covid XXXX aid, but they charged me more and this debt is increasing every month. As of now, I have XXXX installments left XXXX * XXXX = XXXX dollars, but my debt to them is XXXX dollars now.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I cant get a hold of Equifax dispute department after I already had talked to them to open dispute on an account with no Original creditor information and that is reporting a fake phone number so I cant fix the problem if I cant get in touch with creditor and or Equifax. the only name they have reporting is XXXX XXXX. They have also violated the FCRA by not marking account as in dispute.

Company response to consumer: Closed with explanation