BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have a account in coinbase.com opened for Bitcoin selling/buig. They provide a few personal Wallets to operate in BTC ( Bitcoin ), EUR, LTC, ETH.
I deposited 10 EUR on my EUR Coinbase Wallet on XXXX XXXX XXXX.
I transfered my personal Bitcoins : XXXX BTC ( from external adress ) to my bitcoin Wallet on Coinbase on XXXX XXXX XXXX.
I sold my Bitcoins and transfered founds : XXXX to my EUR Wallet on Coinbase on XXXX XXXX XXXX. They got a fee XXXX.
On XXXX XXXX XXXX i requested withdraw XXXX from my EUR Wallet to my Bank Account in XXXX. Type of paymant was : SEPA. Coinbase write on they webpage that the transfer will be done in 4-5 days.
Bank Account was been verified ( i.e. small paymant was done before and checked that account is mine ).
To this day requested founds have not been transfered.
I writed two complain tickets on coinbase.com support page. First : XXXX XXXX XXXX, second XXXX XXXX XXXX. On both I have received only automated messages without any desire to solving the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft.

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 2019-10-04
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I noticed this collection on my account in XX/XX/XXXX and immediately paid it. I asked my wife to call to try to get it deleted off of my credit report but they refused her since it was not her account. 

We moved from XXXX  to XXXX in XX/XX/XXXX. We had an account with XXXX XXXX and we never received our final bill. It was an extremely hectic time. We were moving across the country with a XXXX and XXXX year old to a place none of us had ever been. We moved into temporary housing until we could find a permanent home. We moved into our current home in XX/XX/XXXX. You can imagine the stress of that time. 

We never received any notice of this debt from either helvey and associates or 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 2019-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a VICTIM of inaccurate/unverifiable/invalid/outdated and/or possibly even fraudulent misinformation within my Transunion credit report. This denouncing of the mis-reporting/ mis-information affidavit is to assert my command that you, as regulated, produce physically counters fer federal laws of my disputes or accept and facilitate my request that you either delete/or block at a minimum the following unconfirmed / yet-affirmed/ outdated/ misreported/ merged/ unrecognized/ and-or fraudulent information from my credit record. I demand to be convinced ( as mandated ) that you can adequately evidence in requisite precisely how the misinformation come to take place if even at all, with my knowledge AND authorization in writing of any person/ persons/ or entities that might be irrefutably responsible or even that I factually received any money, goods, or services as a result of the disputed misinformation of INACCURATE MISINFORMATION/ UNVERIFIABLE & INVALID INFORMATION/POSSIBLY FRAUDULENT information and/or even possible of Identity Theft hence my utilzation of this manipulated Identity Victims Complaint and Affidavit

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 2019-10-04
Company: FIRST ADVANTAGE CORPORATION
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX and I applied for a job with XXXX XXXX XXXX Idaho. I have two felonies on my record one is for partner-family member XXXX  out of Montana the incident of all of myself and my ex when I walked home from work and found her in bed with one of my friends or somebody that I thought was my friend I spent three years for that and its entirety I have another XXXX for a XXXX XXXX of XXXX XXXX   XXXX I XXXX   five years for that I did both sentences and was released I paid my debt to society I have a XXXX did I did XXXX years XXXX  XXXX   successfully I have a letter of completion from my XXXX officer and also for successfully completing XXXX and XXXX   XXXX  for a year intense all I'm asking is for a fair chance to work and provide for my family I'm not on XXXX  I'm not a XXXX and I was just like an equal opportunity like everybody else.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Citizens bank keeps taking small amounts from me without my authorization they think I dont notice and make me believe I am wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-31
Company: Experian Information Solutions Inc.
State: IL
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:
My Direct 14 student loans thru the department of education were consolidated into two loans in XXXX. The two loans are now in default but the department of education is reporting all of the original 14 loans that were closed and consolidated as well as the two consolidated loans as in collection. So basically they are reporting 16 loans as in collection as of XX/XX/XXXX and XX/XX/XXXX. Although there is only two loans the other 14 were closed and transferred to the two consolidated loans over 4 years ago. I sent Experian the loan consolidation paperwork as well as the bill from the US dept of education only showing two loans they are collecting. And a print out from Nslds.ed.gov showing my the status of my current loans. I also contacted the lender who is reporting the inaccurate information and neither Experian or the lender will stop damaging my credit by reporting clearly inaccurate information. They are also reporting these loans as included in Chapter XXXX. Student loans can not be included in a chapter XXXX. I have gone round and round with both the creditor and experian about 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 explanation
Consumer complaint received 2022-02-11
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Jefferson Capital LLC at XXXX # XXXX XXXX XXXX XXXX XXXX, AL has been sending me collection notices in the amount of {$1800.00}. I am not familiar with this company. I have not done business with, validated any debts, signed any contracts nor have I given this company my consent to report my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
They are still reporting this negative item to my credit report. I am the consumer and natural person. i did not give them permission to furnish my consumer report ( permissible purpose ). these negative items are negatively affecting my reputation.

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 2022-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
They are still reporting this negative item to my credit report. I am the consumer and natural person. i did not give them permission to furnish my consumer report ( permissible purpose ). these negative items are negatively affecting my reputation.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: MN
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 is incorrect

Complaint:
I am not XXXX XXXX XXXX I am not affiliated with 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 2018-01-02
Company: Nelnet, Inc.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Nelnet is showing 24 missed payments from 2015. I first asked them why I was never notified of th miss payments by mail they said theyre not required too. Then I explained to them that I was enrolled in school and I sent over verification on serveal occasions. The late payments have never been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: DISCOVER BANK
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Someone used the card. I complain about it. No signature on the card. 

Got harassed by discover financial associates. Asking when my stimulus check is coming and when am i going to pay for it Even on my duty time they called me harassing. Verbally abusing. 
They must have the records of harassing and abusing people. Discover financial doesnt care about customer service or identify theft. 

There are charges that Iam not aware of it

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX, or Experian in the first place. Congress should make credit freezes and unfreezes free federally. Credit Reporting Agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a POOR job in the first place. Thank you for taking the time to read my complaint.

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 2022-02-11
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Paypal finally gave me a provisional credit I transferred the funds electronically to my XXXX Bank account on an immediate transfer and then since I am also having problems with XXXX bank and money disappearing I transferred it to my XXXX account as I am going to use them as my new bank. I did try to transfer the funds directly to my XXXX XXXX account and it was denied. 

A few days later it was saying ( I do have screen shots and screen videos ) that I had a XXXX deficient balance in my XXXX account. 

The whole time that the money was in XXXX XXXX it was saying that there was available balance and then a hold of 3k and it went down to 2k. 

I wrote a complaint about this just an hour before this one. 

Now XXXX XXXX has informed me that the funds did not come through and they just deleted the money from my account all together. 

This violates numerous laws and rules of banking.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
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: Public record information inaccurate

Complaint:
Equifax is reporting to the Credit Grantors old erroneous information to my creditors that is negatively affecting my credit in violation of the FCRA. 

They recently on XX/XX/XXXX sent a notice to XXXX that I had a collection/delinquency when I have no new delinquency or collection since the CHapter XXXX I have is exactly 5 years old since discharged. 

THere is nothing negative on my credit file since the filing on XX/XX/XXXX over 5 years ago. 

They are violating my rights and ruining my credit worthiness and bringing down my credit scores with false and erroneous data.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
It was 2 glitches with Trans Union and account was taken off the re added without me being notified. This 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 2017-07-13
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have disputed inquiries on all three credit bureau reports both with each company by certified mail and with each reporting credit bureau ( XXXX, XXXX and Experian ). They legally had five business days to verify my signature and authorization to run my credit report or remove the inquiry from my credit reports. I have received no verifications from any of the companies or from any of the Bureaus as to how they verified each inquiry.Legally they must be removed if the company can not provide my legal authorization. XXXX inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. Experian inquiries, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX. XXXX  inquiries, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX. I am trying to get a mortgage and these unauthorized inquiries are keeping from doing so. I have legally done my part by law to dispute and ask them to be removed without any reply from each company or the three credit bureaus. The bureaus will not legally comply.

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 2017-07-13
Company: Nelnet, Inc.
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In 2012 I filed paperwork with Nelnet to have my student loans consolidated so that I may qualify for the Public Service Loan Forgiveness. While all of my loans were transferred to Nelnet at that time, it recently came to my attention that Nelnet did not consolidate the FFEL Stafford Loans and Grad PLUS Loans that they held, leaving half of my loans ineligible for Public Service Loan Forgiveness. I trusted them to act in my best interests and consolidate the loans for the purpose I stated. They clearly did not do this. I am submitting a copy of the Federal Direct Loan Consolidation paperwork, where it shows that the loans they held were listed both on the Loans You Want to Consolidate page, then listed again on the Loans You Dont Want To Consolidate page, only on that page the loan number and balances are missing. This is very deceiving. Furthermore, they never sent me a letter finalizing the consolidation, but put me into an Income Based Repayment Plan with assurances that all was well.
When I spoke to Nelnet recently and inquired about the consolidation and requested a copy of their paperwork ( so I could match it with the copy I possess from 2012 ), they stated they had no such record on file. This seems suspect as there currently are XXXX consolidated loans on my Nelnet account. They most definitely consolidated the loans from XXXX/XXXX XXXX and that is all they consolidated. This move has potentially cost me 5 years of payments counting towards Public Service Loan Forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency TrueAccord stating that I had an unpaid balance with XXXX XXXX. I have never ever done business with XXXXXXXX XXXX or TrueAccord for that matter. 

I have emailed XXXX, XXXX, XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: Fay Servicing, LLC
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The mortgage payment on my  XXXX   XXXX ,  2017 statement from Fay Servicing jumped nearly three times -- to {$1700.00} -- which i s due on  XXXX   XXXX . We have been paying in good faith on this home equity loan yet, unilaterally, and without warning nor explanation,  Fay Servicing cho se to more than double the monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-13
Company: MEMA CORP
State: CO
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:
Writ of continuing garnishment delivered to place of employment. Date of issue XX/XX/XXXX. Original judgment entered on XX/XX/XXXX. Been at same job and same residence for several years. Have absolutely no knowledge of the debt nor any knowledge of the court order. Was never served nor was I allowed to dispute the validity of the debt. Received absolutely nothing in writing pertaining to this. I would really like to know who I am paying? Judgement creditor XXXX XXXX XXXX XXXX XXXX XXXX, co XXXX Plaintiff XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, co. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: Fidelity National Information Services, Inc. (FNIS)
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
first I would like to state that my papers are notarized showing you I am indeed who i say i am. On XX/XX/2021 I sent a letter dealing with unknown, misleading, unverifiable things on my credit report. till this day now well over 60 days later i haven't received any response. Now this is unlawful and just overall bad business. I feel that I am being taken advantage of and my dispute is going ignored. The law, Section 611 ( a ) to be exact states clearly that a failure to investigate these item in 30 days gives reason to immediately remove the items in question from my credit report. it has been over 60 days so they should be deleted immediately or I will file litigation due to all this stress caused to me. Also my info was impacted by the XXXX data breech and might have got into the wrong hands or information mixed.

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 2022-02-11
Company: Experian Information Solutions Inc.
State: TX
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: Personal information incorrect

Complaint:
THE NAMES AND ADDRESS THAT ARE LISTED ON MY CREDIT REPORT ARE INCORRECT AND DOES NOT BELONG TO ME.

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