BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-21
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I opened an account with Coinbase on XX/XX/2020. My account is verified ( see attached email ). Despite me having many emails and bank statements confirming my purchase of various crypto, none of coinbase confirmations contain my account number. I find this concerning and question the reasoning for this lack of basic account information in the event of a hack, how would they know how much was stolen and to whoms account? This basic information should be provided on each confirmation of crypto purchase. 

On XX/XX/2020, I attempted to get into my account. I was met with the following message : " Sorry your account is temporarily disabled '', Please contact support ( see attached ). 

Yet, they provide NO contact information! They lock you out, period. This Company have a very very very bad reputation, which unfortunately I became aware of after the fact, and have been reprimanded by the SEC for exactly the same kind of shady business culture. Many people I know are dealing with the same shady interference by Coinbase. I believe they are keeping our funds and skimming of the interest. An investigation into this companys business practices is warranted. Just go on XXXX, and the internet and you will see ALL the account holders dealing with the same issue, and coinbase refusing to contact them. Some people end up walking away because coninbase ignore all requests. It is disgusting that this company ahs been able to do this for so long. 
I contacted coinbase on XXXX, as their website do not provide any links to contact support. 

It quickly become clear, that coinbase had absolutely no intentions of trying to fix their issue. The rep was arrogant and rude. When I asked questions that required transparency, he was unable to, or chose not to answer. He lied, telling me 2 different reasons ; 1 ) A glitch, then 1 minute later changed it to Malware. I then asked him, are you telling me coinbase is not secure, he ignored me, this after telling me to calm down, as I was and remain angry that I am unable to manage MY account with MY crypto. I will hold these XXXX  responsible ( it is their incompetence ) if I lose money, be it due to an increase or decrease in the cryptos value. It has been 3 days already, and they have done nothing, no status update, nothing. As you know, time is of the essence when dealing with crypto currency investments This shady company is costing me money. I need to be able to manage my account and various investments. They don't care, they play games with our investments. Either ay, they will cause me to loose money such is the Crypto investment if you fail to keep up on it/unable to manage it. 

Please find out what is really going on with this company, because it is not right what they are doing to many many accounts. 

XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I never applied for a mortgage loan to XXXX. Information reported is from XXXX XXXX, and it was resolved and removed from my reports. Information reported corresponds to XXXX XXXX. The dealer by LAW may not be changing the information to harm the consumer. Account 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 explanation
Consumer complaint received 2018-01-24
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Inquiry Date : XX/XX/XXXX XXXX inquiry date : XX/XX/XXXX, XXXX XXXX, XXXX XXXX 2inquires different dates ) XXXX XXXX XXXX inquiry date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-22
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On or around XX/XX/2018, Golden1 Credit Union made an inquiry of my XXXX  credit report without my authorization. Shortly before this inquiry was made, I authorized a car dealership to make a credit inquiry and to share my car loan application with prospective lenders. Hence, the right of accessing my credit file was never openly extended to prospective financial creditors. Furthermore, the dealership, XXXX XXXX XXXX, has made independent inquiries of my credit in the past ( i.e., " XXXX XXXX XXXX '' appears on my credit report as an inquirer ). Accordingly, at the time of submitting my application to the dealership, I reasonably understood that only the dealership was authorized to access my credit and that financial institutions ' authorization was limited to receiving a copy of my application only. 

I have communicated in writing and by phone with Golden1 Credit Union, including providing documentation of the limited authorization I gave to them to receive access to my application only, and have requested that they contact the credit bureau to remove the unauthorized inquiry they made of my account. Golden1 Credit Union has refused to remove the unauthorized inquiry they made of my credit, asserting that they will only do so at the request of the dealership.

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 2021-02-11
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received an unsolicited text from an unknown phone number, XXXX XXXX XXXX XXXX, stating that there were attempts to login to a Chase banking account. I do not and never had an account with Chase Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-05
Company: EQUIFAX, INC.
State: MO
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 identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: MD
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:
These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the aguish and pain it has caused me in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: SYNCHRONY FINANCIAL
State: FL
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 am writing you concerning that fraud were committed at XXXX 's Store  # XXXX, XXXX XXXX FL. 
XX/XX/XXXX I came in to this store and made a CASH payment toward my XXXX 's XXXX account for the amount of {$1300.00}. 
That amount reflects on my monthly statement. However also is showing on my statement an Adjustment/charge for {$900.00} on XX/XX/XXXX in the description Field it says Payment. 
Therefore the payment of {$900.00}. was reversed without any action on my part. 
I have already attempted to resolve this problem at XXXX Store, filed incident report with customer care department, and dispute transaction with XXXX XXXX. XXXX store is stating that they have done nothing wrong and sending me to the XXXX XXXX. XXXX XXXX is sending me to the XXXX. 
Unfortunately, the problem remains unresolved. I look forward to your reply and a resolution to my problem.

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 2021-07-17
Company: SUNCOAST CREDIT UNION
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:
I filed a dispute, and regards to the incorrect item on my credit report, its been well over 30 days & I havent received any investigation results

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
This is an ongoing case with case ID number XXXX XXXX XXXX has not resolved this matter even though the merchant is willing to refund me at least half the disputed amount

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: ALLY FINANCIAL 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:
I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent inquiries present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence. To the least, they have not to be authenticated as per my requirements as you are damaging my character, creditworthiness, and well-being by falsely stating those fraudulent non-compliant unverifiable inquiries on my report. ( Copied from 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 2020-12-21
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
This incident is regarding a purchase made at XXXX in the XXXX XXXX in XXXX, CA around on XX/XX/2020 around XXXX. Upon making my purchase the cashier asked me if I was interested in opening a store credit card to get 20 % off and I politely decline. She asked if I was interested in promotional offers and coupons and asked to see my drivers license. I agree and she takes my information down and asks me to answer the questions on the pad. I clarify, this isnt for a store card, right? She says no. As Im putting in my social and income, I get concerned and state that I would like to just do a traditional credit card purchase with no promotions or coupons and she cancels the transaction. Around 4 hours later, I receive an alert from XXXX that Macys did a hard inquiry credit pull and my score decreased 6 points. I return to Macys that same day around 4 hours later explain to the manager ( XXXX XXXX ) what happened and she explains that I should have received a different receipt but will contact me after looking into the problem. Today, on XXXX XXXX I hear back from the same manager and is informed that she essentially does not know how that happened. I explain that on my XXXX account, Macys is the listed company to who pulled it and I did not give anyone any authorization to pull my credit. I feel as if my problem was not fixed and my credit was unethically and illegally attained. I did not authorize that credit transaction. 

The purchase was in the amount of {$210.00} for a XXXX XXXX handbag.

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 2018-01-29
Company: Experian Information Solutions Inc.
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: Problem with personal statement of dispute

Complaint:
Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/XXXX and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XX/XX/XXXX-XX/XX/XXXX. I have spoke to the credit bureau, the dept of ed told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX they sent me back to the dept of ed, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help

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 2021-11-09
Company: TD BANK US HOLDING COMPANY
State: RI
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:
To whom it XXXX concern, XXXX My name is XXXX XXXX the above is my account number for XXXX furniture through Td Bank I have paid this account every month since Ive had it my about 5 months. My original credit limit was {$8000.00}, I used XXXX. The month of XXXX I made a payment in the beginning of the month I usually make XXXX payments a month. I had a problem with my bank when the extra second payment was taken out, It did not go through, however I had already made a payment at the beginning of the month. Your company took away my {$8000.00} credit limit, changed it to {$600.00} total limit and my balance is {$720.00}. Im extremely upset about this because it dropped my credit by XXXX points in less than 10 days hurting my credit reporting. I am now over my limit and my ratio is 100 % plus. I did not miss a payment the second payment didnt go through. I was told by XXXX XXXX XXXX that I would have to have my credit XXXX again. I am in the middle of refining my house and I do not want my credit pulled nor do I want this to affect my credit and it will, simply because you now lowered my credit utilization ratio. All of this happened within a nine days. I am requesting that you change my credit limit back to the {$8000.00}. I have paid every single month even this month it was the second payment. Please respond to me either via email or XXXX. 
This matter is extremely urgent because I am in the middle of a refi please call me as soon as possible. 

Sincerely, XXXX XXXX Sent from my XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a personal loan with USSA Federal savings bank, account number XXXX where I currently pay about XXXX  per month. But they charge interest to where the loan amount accrues XXXX dollars per day. I did not know this until after I got the loan. I got the personal loan one year ago and the loan amount was {$15000.00}. After making monthly payments on the loan I noticed that the loan amount went back up a XXXX dollars per day. I then called USAA about this and the lady told me that the loan does accrue XXXX dollars per day. I think this is crazy and predatory. They also refuse to refuse to get the late payment from my credit report concerning my personal loan. I fell on hard times and I am a XXXX veteran and get XXXX  at times and XXXX and XXXX and I dont feel like taking forever to pay this loan back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
Hello, I hope that someone could help me, I am trying to get a delinquency off of my credit report. I had spoke to someone in XX/XX/XXXX and they had faxed over a forbearance form that should of been for a year and it was sent to me and i submitted it, i know found out that it was for a month and this is the reason why my account went into delinquency from XX/XX/XXXX-XX/XX/XXXX. I have spoke to the credit bureau, the dept of ed told me to contact XXXX XXXX because my account was sent to them when i contact XXXX XXXX they sent me back to the XXXX XXXX XXXX, from there back to XXXX XXXX, In XXXX I spoke to XXXX XXXX over different times i was told to file a dispute and they would fix it then they didn't. I called back and a representative transferred me to manager which name was XXXX she was very nice but my issue was not resolved because they sent me emails. I do not know if i received them i cant remember but after filling my forbearance and confirmed that they received it i thought i was good. I now still do not have the issue resolved because of me getting the wrong forbearance formed sent. I would like to be helped this is really effecting my credit report and me buying a home for me and my children and i really do not know what else to do. Thank you very much for your time and help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
PayPal has told me that I have a revolving line of credit with them and have been taking {$200.00} from my checking account each month. PayPal has blocked my access to their account portal preventing me from early payoff, terms and conditions, APR, etc. They have refused to tell me what charges have been made and have made it nearly impossible to access anyone there via phone or support. I cant change the amount I pay them each month, see any statements, or access anything from them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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 received a copy of my credit report and seen unauthorized credit inquiries on my credit report. Those credit inquires were placed without permissible purposes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-30
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: Their investigation did not fix an error on your report

Complaint:
transunion and XXXX keep dropping my credit score, please see previous complaint, they raised score after complaint then 5 days later dropped it again 56 points, never late 18 % usage 8 accounts 6 have XXXX balance 1 had XXXX other XXXX perfect payment record i believe this is harassment for prior complaint, will not give any reason for credit drop

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 2018-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXX Account # : XXXX I was never late 30,60, or 90 days late in the months of XX/XX/XXXX through XX/XX/XXXX. I'm not sure how this happened, I have always made my payments to you when I received my statements. My only thought is that there was billing error with my statement did not get.

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