BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Dear Team, I have a long standing relationship with PayPal and have been using that account for all my transactions ( Pretty much all online ). lately since the beginning of the year 2018 I had established relationship with Mrs XXXX and Mrs XXXX via PayPal and engaged their specialized services. I was rest assured about my money coz its PayPal protected and I was confident because PayPal has all legitimate sellers and buyers and they protect against any delays or issues in the transaction.

Nature of service I had with both Mrs XXXX and Mrs XXXX was time sensitive and results were 100 % assured and due to issues with initial estimates they had asked me to pay more over the period of last 10 months and as I was really in need of the service to work I did comply with them. 

But my patience wore off and now am at the end of the rope. the service was due way back in XXXX but it kept getting extended out. my last payment towards this service was made in the month of XXXX and I lost all hopes of getting this to completed. Thus I reached out to Mrs XXXX and Mrs XXXX to reach an amiable solution but they were unresponsive. in despair I reached out to PayPal but apparently they can not go beyond 180 days. which I was neither aware of nor feel its appropriate coz its for the same service. 

Thus I request PayPal to look into this matter as the transactions were for same purpose and spanned across 10 months due to the nature of the service and it was done to same 2 people and now I did not get the intended service. the total transactions are 36 and total amount transferred {$8000.00} Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 XXXX data breach and may have got into the hands of the wrong person.

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 2021-11-22
Company: EQUIFAX, INC.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: Experian Information Solutions Inc.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain 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 explanation
Consumer complaint received 2018-02-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am filing a complaint about Wells Fargo. This had been an ongoing issue with me filing complaints about my Wells Fargo bank accounts. I had not received any resolution to this day. I have money missing from my bank account and I am unable to figure out each transactions amount. The money went missing within a three month timespan. This timespan is from XXXX to XXXX In the past Wells Fargo wanted to know the dates and amounts of all transactions of when, where or how the money went missing. If I did know the amounts of transactions that lead up to missing monies I surely and would greatly provide this information. I have read all of my banking statements online and I also had requested that Wells Fargo send my statements via postal mail. Nothing contained within that information has helped me at all. Every bit of the statements is vague and provides little to no information that would help me in locating these missing monies. Every complaint that I have made about this Wells Fargo provides the same exact response. Please provide us with dates and transactions amounts. Then their response ends up closing my complaint filed through the CFPB website. I have no way on earth to provide the information on transactions amounts. This was a gross error by Wells Fargo. Wells Fargo is the company that holds all of the records as in dates, amounts and where this money goes. Them asking me to provide dates and amounts of transactions would be beyond redundant. Asking me to provide them information of which I have no control over. I am at a loss financially and by them they keep brushing me off and trying to allow me to either give up or pass the time and go past the statute of limitations. Also I started out as a XXXX banking customer. Then sometime after Wells Fargo had taken them over and imposed their rules without my personal consent.

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 2023-04-06
Company: Genesis FS Card Services, Inc.
State: TX
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:
The Following are unauthorized and I asked XXXX delete them I have reached out two both XXXX and the companies the Inquiries were made from and neither party can provide me documentation of my application or wet signature on documents but refuse too comply with Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that creditors and XXXX can not verify.I understand that under 15 U.S.C.1681i ( a ), you must complete this investigation within 30 days. The following companies and XXXX need to provide me copy of application and signature said companies are :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, INC.
State: OR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company 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 2017-07-09
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Conserve is n't license in the state of Florida. They are also charging me 2 did n't amounts and this is impossible. I only register for XXXX college, but I never attended a physical class. Per the school if you do n't show up 3 days in a row your are automatically withdrew from the class with no charge, but for some reason I have 2 bills on my credit from Conserve Collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/21 I received an alert from XXXX XXXX asking if applied for a credit card at a particular bank. The card was approved for {$16000.00}. I called the bank and had them to close the account. I also froze my accounts at all three reporting agencies.

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 2021-11-22
Company: CITIBANK, N.A.
State: GA
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:
Because of this incident, I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results.

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: 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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I told Experian, XXXX and XXXX that I had fraudulent inquiries. Due to bogus car lot in XXXX IL. Credit inquiries from XXXX XXXX XXXX ( XXXX ) XXXX ( XX/XX/2023 ) XXXX ( XXXX ), XXXX XXXX XXXX  ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) Are all fraudulent inquiries. I did not authorize. 

15 U.S.C 1681 section 602. A States I have the right to privacy.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-11-22
Company: Early Warning Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX and XXXX XXXX XXXX represented that they were selling their father 's XXXX XXXX on XXXX XXXX. After several weeks of negotiations, we agreed on a price. Friday evening XX/XX/XXXX, XXXX required a deposit to deliver the car to XXXX TN ( my home ) over the weekend. I initiated a bank transfer to XXXX XXXX Friday evening XX/XX/XXXX, but it was not going to post until Monday XX/XX/XXXX. On Saturday morning XX/XX/XXXX, she said she needed the money via XXXX to XXXX XXXX XXXX ( car owner 's son ) so they could arrange the transportation and to cancel the bank transfer ( which showed pending, and had not completed ). I sent additional deposit via XXXX that morning and XXXX said she would deliver the car XX/XX/XXXX. That day and the next day, after multiple attempts to contact XXXX via phone, text, and email, no successful responses and no car delivered. On Sunday XX/XX/XXXX I attempted to contact her again, no response. I reported the scam fraud to my bank, to XXXX, to XXXX, and to the KY Attorney General Consumer Protection division. I would like to formally report fraud and scam by XXXX XXXX and XXXX XXXX XXXX, and press charges if applicable and recoup my deposit money. 

My banking institution XXXX XXXX Bank informed me that the Bank Transfer could not be cancelled because they use a XXXX party system Zelle to process the transfer and they had no control. I explained to my bank the nature of the scam and fraud. I need to have the bank transfer cancelled and refunded in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my home loan with XXXX. XXXX XXXX XXXX ( XXXX ), who I believe is a partner or subsidiary of XXXX first held my mortgage. I made the first payment to them on XX/XX/2021 as required. The mortgage was then sold to XXXX XXXX XXXX ( XXXX ) post payment on XX/XX/2021. 

XXXX is not harassing me for a late payment, threatening credit problems/reporting until payment is made. They are pressuring me to make the payment I already made to XXXX. 

XXXX is telling me I need to get my money back from XXXX, XXXX is telling me XXXX is lying to me and the money will be transfer and it takes time, etc. XXXX is insisting they have the loan, but money was never transferred. 

Both banks are leaving me in the stuck in the middle with no way to turn. XXXX insist I pay the money now. 

XXXX has said they will not report to credit within XXXX  days, but will got back and report all problems that occurred within that XXXX days. I am not sure how this is right or fair. 

Proof of payment and receipt of payment is attached. My bank statement shows the money withdrawn and the other statement is from XXXX showing it recieved.

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 2023-10-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file and are listed on my credit report. 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 explanation
Consumer complaint received 2023-02-05
Company: DISCOVER BANK
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
On XXXX XX/XX/2023, money transfer features including XXXX was unavailable for use with Discover Bank checking account. Online app showed some features are temporarily unavailable. Bank representative on the phone failed to specify the time for outage - hours, days or weeks? She just said this is unplanned and that a better answer is not available, not even an estimate. This is unacceptable as money transfer abilities on my own accounts is essential for me, and it is concerning as in the past their XXXX option had been down for weeks. I would like at the very least for Discover Bank to respect the customer enough to provide an estimated timeframe.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: Receivables Performance Management, LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I switched mobile service from XXXX to another carrier on XX/XX/2021. After switching service I called XXXX to finalize billing and ensure that my service with them was terminated. The CSR told me to disregard my current bill since I did not have service the entire month, that i would receive a pro-rated bill, which I did in XXXX. The amount was for {$120.00}. On XX/XX/2021 I went into my local branch and made the payment. I also took a range extender which I was given by XXXX because I had no service in my house and had safety concerns because of my wife and kids not having any service ( Of course this did not help ). The CSR at XXXX branch did not show as this on my account, and stated that XXXX did not use these anymore, and she couldn't take it back in the store. She did state that if XXXX wanted it back they would send a return box for me to ship it back. I haven't heard from XXXX since. XXXX, I received an alert from XXXX that I had a collection on my credit report. It was from a collection company called Receivables Performance Management , LLC  out of XXXX Wa. for a debt of {$310.00} with XXXX XXXX I do not have ANY late bills with ANYONE! I have never received anything from this company no email, mail, or phone call. With no notice, this company, Receivables Performance Management , LLC, is in violation of the FCRA and CFPB, and have taken my rights to dispute or resolve this matter. They have also put in jeopardy my first home purchase at XXXX years old. I have worked too hard to clean all of my credit up over the last XXXX or XXXX years, to let anyone steal this from me by violating my rights as a consumer. I look for the CFPB  to step in before I escalate this matter legally. This needs to be removed from my credit report ASAP and these predatory collection practices need to stop. Many companies believe that they have the right to jeopardize consumers livelihood, and tear down the work of others.

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 2018-03-07
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I have had multiple issues with Coinbase , Inc . Freezing my funds and demanding payment for transactions that have already settled. In addition, Coinbase hase made several ACH withdrawals from my bank account that do not match any of the transactions I have had with the site. 

I have submitted 3 support tickets and contacted customer service on two occasions. 

My account was settled back to {$0.00} balance after escalating and speaking with an account specialist. After logging in two weeks later the company has frozen my account and demands {$6800.00} for transactions that were previously settled. 

I have recently had fraud on other credit cards not associated with my Coinbase account. One charge on XX/XX/XXXX was for a XXXX, where someone ran a background check on myself and was able to access scores of personal information that could be used to gain access my Coinbase account. 

All of the incidents with Coinbase mentioned above happened after the XXXX fraudulent charge. 

I submitted another support ticket but never get resolution for these issues. Coinbase has been unscrupulously handling ACH withdrawals, Credit Card withdrawals and now are demanding funds that were either settled or fraudulently charged based on the facts that i have gathered. 

I am seeking immediate resolution to clear the negative balance and regain access to my account. Coinbase has been dismissive and unresponsive to my concerns.

Company response to consumer: Closed with explanation