BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-01
Company: Coinbase, Inc.
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX I placed an order for XXXX on Coinbase XXXX. The amount was for XXXX. There was a glitch that caused my money to be placed on " Hold '' within their system on an " order ''. Money is typically reserved on hold so you can't inadvertenly trade more than you have. The only problem is this money was placed on hold and I had no active limit order which I could see. This means I couldn't cancel it. I couldn't see if it executed. I couldn't see if it's stuck. Now, the problem on top of this is that the money is still on hold within their system and I can't access it. There was an outage previous to my order placement in which a number of people have reported a lot of different issues including the one i have now. I opened a ticket that night and another the next morning as you don't get a ticket number until they first process your ticket. 

The two tickets are : XXXX and XXXX XXXX was first replied to on Saturday XXXX XXXX at XXXX XXXX EST Looks like an automated message I replied a few minutes later at XXXX XXXX. XX/XX/XXXX Next response was today XX/XX/2021 at XXXX XXXX. EST. Letting me know I could file a complaint, but they considered the matter resolved. 

I've had a running Direct Message on XXXX with their Coinbase Support team and they keep redirecting me to the Customer Care team who quite frankly does not care. 

I've filled a formal complaint with them via case XXXX and with case XXXX there hasn't been another response to it since i opened it. 

My formal complaint number is Complaint # XXXX. 

In order to see that the issue is impacting my account all you have to do is go to my portfolio page and see orders on hold and see that there is XXXX on hold. Next go to the orders tab and see that there is no orders active. Essentially they have XXXX on an orphaned/ghost order that their system lost. It's traded through my limit buy price atleast twice. At this point in time I'm considering sueing them in small claims to get my money back as they do not seem to care about people investments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
On Tuesday XX/XX/XXXX my gym locker was broken into while I was exercising. I received a notice on my phone that a charge was made on one of my cards. I went to my locker to discover that it had a different lock on it. The XXXX XXXX employees cut off the lock and when i checked my wallet all of my credit cards and cash was gone. The gym employees called the police for me while I tried to shut down my credit cards. One of the cards used was my Capital One Walmart card. There were five {$200.00} purchases ( {$1000.00} total charges ) made using the Capital One Walmart card, all of which were gift card purchases. I contacted Capital One on the XXXX to report the stolen card and fraud. I received a letter from Capital One today XX/XX/15 stating the my fraud case had been denied. I have an incident report from the XXXX  XXXX Police. The Police also have video evidence of the crime showing the suspects leaving XXXX XXXX and also entering the various stores making the purchases however the suspects were wearing covid masks. I had several credit and debit cards stolen in which the thieves used to purchased a total of {$8000.00} worth of gift cards. Again the total fraud purchases that were made using the Capital One Walmart card was {$1000.00}, five total transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: PMAB,LLC
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I havent work since XX/XX/2017. I was recently awarded XXXX but still unable to pay the medical bills that are due because of my illness. The money that I receive every month all go on medication because I loss my job in 2017 due to my medical history. With all the medical bill that I owe, I still cant pay and because of that it 9s messing up my credit. I have insurance for 6 months which end in XXXX, but every visit I have with my doctors they are not paying anything on my medical bills. So, after all my medication and my visit at the mental clinic takes up the money that I get monthly. I am will to pay each medical bill that I owe {$50.00} dollars a piece to take it off my credit report. It is messing up my credit big time. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-07
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: Reporting company used your report improperly

Complaint:
on ( XX/XX/ ) .the consumer fowarded experian an Notice letter to remove accounts 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 These accounts displayed transactions and experiences between the consumer and the persons of which made the reports before Experian that are required to be excluded from the consumers consumer report that Experian has placed within the consumers report that is required to be excluded.therefrom15 U.S. Code 1681a 2 ( i ).

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 2020-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS A FEW LATE PAYMENTS REPORT ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY XXXX XXXX ACCOUNT. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. 
IT WOULD HELP ME IMMENSELY IF YOU COULD GIVE ME A SECOND CHANCE AND MAKE A GOODWILL ADJUSTMENT TO REMOVE THE LATE PAYMENTS.

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 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
i have disputed this inquires on XXXX and i still have not receive any result.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reported 6 accounts and a address where i have never lived at as fraud. XXXX and XXXX  cleared my reports. But Equfax is still showing the Fraud address and accounts on my credit reports. I'm submitting the F.T.C Identity thief report under number # XXXX copy enclosed, i also submitted the clear XXXX report. Please remove these accounts working on getting a mortgage. 
Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: FIRST NATIONAL BANK OF OMAHA
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX closed my account in XX/XX/XXXX. Since then, I paid off the account for an interest fee after I paid the final balance. XXXX XXXX continued to report a late fee for this interest charge post account pay off and closure for 4 months. I disputed this fee with XXXX XXXX and the Credit Bureaus. However, this remains on my credit report. I am a responsible person and this is not a reflection of who I am and how I pay my debts. When you get a statement from a creditor, and you pay the entire balance, it is unfair to see another bill come with additional fees that should have been included when you pay the balance. 

I would like for XXXX XXXX to clear the late payments reported to the credit bureaus. This is keeping me from having a credit score worthy of a buying a home. Considering I pay consistently and on time with all of my other creditors.

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 2019-03-08
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On around XX/XX/XXXX XXXX XXXX  XXXX Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted XXXX and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of 680 on XXXX

.. Res
pectfully XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX XXXX and XXXX.I am a US XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX Balance : {$31000.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.

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 2021-02-12
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a call today ( XX/XX/XXXX ) from XXXX asking to verify a loan application that I did not make. Based on this call, I pulled my credit report and found two hard credit pulls that I did not authorize : 1. " XXXX XXXX XXXX/XXXX  XXXX '' ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX, MN XXXX ) on XX/XX/XXXX. I called XXXX 's XXXX  credit card phone number ( XXXX ) to inquire why a hard pull was made on my report. I gave them the information they requested, including my SSN, and they could not find a record of an application under my SSN, nor could they tell me why they made the unauthorized hard credit report pull. ( see page 43 of " XXXX  '' ) 2. " CITIBANK NA., BEST BUY '' ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX , SDXXXX ) on XX/XX/XXXX. I called three different numbers for Citi and the Best Buy credit card line, and all of them required me to enter my account number or SSN. Because I have no account number, I entered by SSN, and because I have no account with Citi and/or Best Buy, their records found nothing. I tried entering 0 to reach a human being, swearing, etc. and was unable to connect with a human being. I called Citi directly, and they transferred me to the same automated line requiring an account number. ( see page 16 of " 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 2017-05-24
Company: Credit Bureau Services Association
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have no contract with this company They have managed to keep this on my credit and this debt is not owned.    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX  I have no knowledge of this collector and debt that is owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Key 2 Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im receiving an collection notice from Key 2 Recovery. This debt was proven to be a fraudulent loan taken out by someone that stole my identity. I received clearance notices from the loan company ( XXXX ) and the Department of Education. This debt was proven to be fraudulent, now Im being harassed by debt collectors representing the college I never attended. XXXX XXXX XXXX.for XXXX. This is a proven fraudulent case. Im still being harassed after almost 6 years. Please help. 

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 2020-08-03
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
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 Law enforcement report from the Federal Trade Commission. Documents have been submitted to all 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 non-monetary relief
Consumer complaint received 2022-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I make a call to these companies because personal information is on my consumer report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802 No one has my permission and I do not do business with these companies. 15 USC 1681 ( n ) These are clear violations to my protected consumer rights

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 2022-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I am trying to purchase a home and everyone has been super cooperative and understanding, except Kohls Department Store. My lender, credit reporting agency and myself have been trying to get them to help us for 45 days and have made buyers and sellers wait, putting them in financial hardship. We have spoke to numerous people, got numerous promises, spent hours on hold, contacted headquarters, and have been yelled at and treated poorly in more times then not. We asked for two things that were needed to get my loan and purchase home. One was a zero balance letter that finally received after 30 day of inquiries and waiting. The next was a 30 day late I had when i was sick during pandemic. I have been a valued customer for over 20 years. I was verbally told yes twice and then called and said it was completed. Now i received a letter stating the will not do this. I have spent so mych money on appraisal and attorney to after 45 days have the deal fall threw because of one company and a unique situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRUIST FINANCIAL CORPORATION
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:
Hello, I see I was penalized with 2 late payments at the beginning of this year. Unfortunately, I was going through financial hardship dealing with Covid-19. During XX/XX/2021 and XX/XX/2021. As you can see, I have perfect credit payment history beyond those 2 months.

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: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We sent payment buy they continued to take out on wrong date sent letter no  response , They took out in XXXX for payment  then said we are foreclosing which is now in affect, If  they would have takin payments as said we would not have this problem , I would like to start Class Action Suit .

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 2021-10-06
Company: Experian Information Solutions Inc.
State: TN
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:
My rights of privacy have been breached and trespassed by this bureau which is a direct violation of federal law. This bureau is also in violation of federal law by reporting misleading accounts on their website without my written consent. This bureau is reporting misleading information on their website and according to the federal law, it is the bureau 's GRAVE RESPONSIBILITY to ensure fairness, impartiality, and a respect for the consumer 's right to privacy. Their negligence has caused me distress and I'm seeking litigation.

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 2020-10-20
Company: EQUIFAX, INC.
State: MI
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 have been with consumer powers for overs and my account was paid while my services were still on at my address and it was paid through consumer powers before XX/XX/XXXX. When I spoke to consumer powers that year and they told me that it went to collections by mistake and it was pulled from them and I found it on my record in XXXX and I called them back and they told me that the company said they bought it and it didn't matter that it was paid on time through the company which is consumer powers that they had bought the account it will still show late payments on their end even when it was paid off. So i decided to call the company in XXXX and they told me that it was removed and I told them that I still see it on my credit report. They asked me when was the account paid off and I told them in XXXX. So I called the company back and they told me it was paid off and the collection agency wouldn't let them remove it so I had to dispute and I been disputing this account for serval years now. They found out found by me that it was paid off and they had to keep what was on the account still. It's been over two years on this account and it is still showing paid on time but it's also showing negative from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: TX
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:
Experian continues to report a collection on my account in violation of 15 USC 1681a ( 1 ), 15 USC 1681b ( a ) ( 2 )

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