BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Coinbase attempted to dissuade and divert me from receiving a refund for a service I did not sign up for, 'Coinbase Pro '. I wanted to receive my cryptocurrency transactions to file my taxes in a way which was easily readable and ready to upload for websites such as XXXX and XXXX. Coinbase put this particular report, which I am very sure they knew was a required format for those sites, behind a paywall, the aforementioned 'Coinbase Pro '. I strictly used the user interface to be able to access this necessary report and found myself charged for two months of 'Coinbase Pro ' before I was able to get in contact with support, who initially attempted to divert the conversation away from a refund for those unauthorized charges and instead blame me for not removing my bank account. Upon mentioning the CFPB, Coinbase Support suddenly decided a refund WAS in order but that they would/could only refund it to my 'Coinbase account ', in effect keeping the unauthorized funds in their ecosystem even longer. Upon insisting that this wasn't acceptable as a means of returning funds, Coinbase had no offered alternative. There is clearly an intentional series of 'dark patterns ' in Coinbase 's user interface meant to obfuscate and divert customers from removing Coinbase 's access to the user 's funds as well as to extract money from them in the form of hidden fees. Actually closing one 's account with Coinbase results in support being even less accessible and therefore recovering unauthorized funds additionally difficult for the company 's financial advantage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: EQUIFAX, 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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct the following items : 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-12
Company: Tayne Law Group, P. C.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
i hired Tayne law group to settle my debts and paid them $ XXXX monthly for one year ending in roughly XX/XX/2017 they later ownly settled 2 two accounts but charged me for 12 account then tried to sue me illegally to try to claim they worked on accounts that were allready settled by another attorney .. so basic they took money without doing the work and tried to charge money for accounts that were allready settled which is both illegal and unethical and tried to sue in another county where the crime was not commited

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been trying to protect myself by accessing my credit report and Transunion keeps blocking this from happening. They block my credit monitoring from getting a new report and they block my every attempt through XXXX.All I wanted is to get this fixed. I wanted to know anything about my credit score and Transunion making it hard for me to get access to my credit report or credit score. 
Transunion has the wrong information on file and if this is not fixed then I will seek help from an attorney within 30 days. I attached the screenshot of the errors I encounter whenever I am trying to access my credit report. This has been going on for 3 months and I am frustrated. I want a new credit report mailed to me and I want this problem resolved right away.

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 2019-11-11
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I check my credit report monthly, and back in XX/XX/XXXX, I noticed PayPal had pulled my credit report ( hard inquiry ).

I did not authorize PayPal to pull my credit. I did not apply for anything. Also, I had a Credit Fraud Alert active, so they pulled without verifying any information with me prior as well. 
I have reached out on ( 3 ) different occasions and was told it would be removed and to allow for 30 days. Every time, the 30 days comes and go, and I have to reach out again and I'm given the same response. The credit analyst also tells me they are unavailable to provide a confirmation number or anything to show something is being done. It is now XX/XX/XXXX, and it is still showing on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-12
Company: EQUIFAX, INC.
State: NV
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:
After reviewing my credit report i must inform you that i am NOT responsible for these fraudulent accounts. Someone stole my identity and open up the fraudulent accounts in my name. I have already sent letters to remove this inaccurate information and here 's the tracking numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code and 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in violation of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts and inquiries listed IMMEDIATELY! 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FRAUDULENT INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-16
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: Was not notified of investigation status or results

Complaint:
I sent a letter to experian regarding inaccurate information on my report in reference to an account reported by advance collections bureau. According to the FCRA its a violation to report inaccurate unverifiable information. Its also a violation for this info to continue reporting if after 30days this account wasnt verified. Ive attached copies of my certified mail receipts, i have spend alot of money to resolve this issue please 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 2021-02-10
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I submitted a credit dispute to Equifax XX/XX/ 2020. I disputed several accounts reporting on my credit report inaccurately. I also requested " PROOF '' of these debts exercising my rights under Section 609, which I am entitled to see and be provided with, for full validity of the said debt ( s ). Equifax DID NOT comply with the Fair Credit Reporting Act completing a full unbiased investigation within the time frame given ( 30 days ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I XXXX XXXX XXXX hereby testify on my knees saying.. " I deserve a Good Or Excellent Credit Report. <NOTICE> " I need the help for ( ALL ) of Lifes [ Unbelievable Circumstances ]. Can you please make an acception? '' 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 2020-12-18
Company: FinCo Services Inc DBA Current
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
There were charges on my card that were unauthorized. I had to file two separate disputes. I am supposed to get a provisional credit of XXXX because Im protected for unauthorized charges. I got the replacement card however the 10 business days is XX/XX/2020 and they still have yet to issue it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: SANTANDER HOLDINGS USA, INC.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have repeatedly tried to access my Santander account online. I have had this account for almost 20 years. I got locked out of the online access and the bank will not allow me to access the account unless I go to a branch. The nearest branch is over a XXXX miles from where I now live. Santander is now charging me monthly fees for not using my account.

The bank representatives I spoke to on the phone verified my identity repeatedly, yet they will not reset my password to let me access my account.

Attached are eMails with Santander representatives as well a recent notice of fees charged to my account.

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 2020-09-16
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on 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 explanation
Consumer complaint received 2020-07-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I have contacted TransUnion on three occasions about reporting inaccurate information on my credit report. I Furthermore have requested them to send me verification of the Debts and sign documents stating that these accounts do belong to me .During their investigation, they stated that they verified the accounts from a third party reporting agency .In particular reporting on my credit report is a { Bankruptcy } that I am trying to verify legally and look over the documents. 
The Federal Court stated to me, " that they do not sale or send information to third party companies such as the credit bureaus '' ''

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 2019-11-11
Company: Kriya Capital, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection alert on my credit report from this company Credence Collection Agency. They first reported that I owed them money when in fact I don't. I paid this debt months ago to another collection company. Now they are reporting that the item was paid to them when in fact, again, I have never exchange money with them at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: Consumer Portfolio Services, Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My vehicle was repossessed by Consumer Portfolio Services on XX/XX/2019, however they did a hard inquiry on my credit without my permission and for no apparent reason to lower my credit score even more. Consumer Portfolio Services has no reason to run a hard inquiry on my credit without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: WELLS FARGO & COMPANY
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I purchased a new vehicle in XXXX of this year. My auto loan is through Wells Fargo. When I tried to sign up for online access to my auto loan, I kept getting an error message and it said to contact Wells Fargo. When I contacted Wells Fargo the agent told me that there was already a checking account with my maiden name open and my XXXX was off by a day, but there was no money in the account. I explained to the agent that I haven't had a checking account until XXXX of this year. He in turn opened an identity theft case and an online fraud case at Wells Fargo. I contacted the local police department, and they told me to get more information from Wells Fargo in order for them to investigate. I called back every XXXX days for a while and was told that I had to go to XXXX, WI, which is about a half hour from where I live to provide them with a copy of my ssn card, driver 's license, and it had to be in person in order to be able to create an online account. They also told me that the checking account was closed and that their identity theft team noted that it was a fraudulent account. Long story short, I have tried since XXXX to get information for our local police department, but every time I call, I get shuffled from one department to another. I have a half dozen or more case numbers from Wells Fargo because each time I called they issued me a different case number.

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 2020-12-18
Company: Constar Financial Services, LLC
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I disputed this collection with XXXX after not agreeing to information on credit report. Now I have a missed payment on my credit report reporting from closed collection that has been charged off. This is not right and should be removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NC
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:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 48 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Hello, My TransUnion credit score dropped 75 point on XX/XX/2019. The only changes shown were a balance increase of {$49.00} with XXXX XXXX XXXX XXXX and a balance increase of {$15.00} with XXXX XXXX XXXX. 

During that same period, my XXXX  and XXXX  credit scores remained the same. 

I wrote a letter to TransUnion and requested that they validate and verify this drastic decrease in my credit score, yet no information was provided from them. 

Please assist in helping me to resolve this issue.

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 2021-09-27
Company: PNC Bank N.A.
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
ITHIS IS THE ABSOLUTE TRUTH. ] deposited a large check from my mothers estate and forgot about the money because it was in the bank and saw no reason to worry about these funds. When my sister came to see me there was no money. Consequently, the state attorney is attacking me for having stolen this money. The bank has sent nicely prepared lkedger sheeyts showing withdrawals and other items saying I took this money. I DID NOT DO THIS. How easy would it be to prepare forged documents when you have access to these things. I can not seem to get an attorney to really investigate this because they are all " ambulance chasing. '' and this would have to be pro bono. I will take a polygraph if necessary. What notices and papers I had were lost when I had my XXXX and movled to an assistant living facility.

Company response to consumer: Closed with explanation