BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-07
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Yesterday ( XXXX XXXX ), I was using coinbase via my account to trade bitcoin. I had added my debit card to the account to initiate another deposit and then tried to initiate a {$700.00} deposit into the account. This transaction was denied twice, I think that I missed that there was an account limit of {$750.00} per month and I had already deposited {$700.00} previously ( XXXX XXXX, XXXX ). Because of this, the system flagged my account and disabled trading on it. Due to this, I was locked out of my XXXX account altogether ( XXXX and Coinbase are the same company, XXXX is a more in-depth trading site for advanced trading, I can login to XXXX through Coinbase ). This is the main problem because my initial {$700.00} deposit from XXXX is in my XXXX account, plus I had an additional {$700.00} bank deposit directly into XXXX a few days prior that was pending into that account. Altogether, with the recent rise in value of bitcoin, I have approximately {$1600.00} worth of USD/Bitcoin in XXXX which I 'm currently locked out of. 

Coinbase support is notoriously non-existent. I 've tried contacting their support members on XXXX, opening a case with their support, and phoning their support line, all to no avail. Essentially, I just need access back to my XXXX, and for that to happen, buying to be re-enabled on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, INC.
State: MS
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 XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 50 days later I have not received a response. I really feel like I am being taken advantage of and being ignored of my disputes. SECTION 611 ( a ), plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 50 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the XXXX  you have caused me. Also, my information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
This phone number, XXXX ( XXXX ) XXXX, keeps calling to report that the XXXX Mobil App is blocked and that you have to give personal amd financial information to establish it. 
I haven't been affected because, I don't give my information through the phone. 

The bank ( Popular Bank of Puerto Rico ) in charge of this app has published that this types of calls are a fraud. That's why I want to report this number : XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
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 INFO SERVICES STATES THAT HARD INQUIRIES ARE A MATTER OF FACTUAL DATA, BUT DOES NOT VERIFY BY INVESTIGATION PER MY WRITTEN OR ELECTRONIC REQUEST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: ZARVAD III S.A.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I got a loan from this company in the amount of {$1100.00} I made already 3 payments in the amount of {$400.00} every two weeks but the amount I still owe after 3 payments is {$930.00} which is ludicrous, I understand they need to charged interest but not to take advantage of the people in need, so all the money that I have pay is for the high interest they pay. They need to disclosed that in bold black letters when people click on their website so they can be aware of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
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: Their investigation did not fix an error on your report

Complaint:
I Sent my letter off on XX/XX/2022. I told the credit bureaus to investiage every piece of information on the accounts I have listed below. Also I have attached the letter l sent out According to the FRCA The term " investigative consumer report '' means a consumer report or portion there of in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX This information is reporting wrong

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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:
This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX and the account with XXXX XXXX XXXX for {$2500.00} that was sold to Portfolio Recovery Associates are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) Portfolio Recovery Associates MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-04
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There is a Derogatory Account being put on my credit report from XXXX, it was reported XXXX XXXX, 2020. I have never had this account opened. I reported this and it was closed and it re opened and is back and affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
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:
XXXX Now account # XXXX amount XXXX XXXX/XXXX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: EQUIFAX, 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 disputed an account on all three credit reports that XXXX XXXX XXXX used my information to open or someone open an account with XXXX XXXX XXXX, this account was already taking off of all three bureaus and now its on my credit report this account was open in my name and its fraud, please removed this account, the amount is XXXX dollars the name of the collection agency is XXXX XXXX XXXX XXXX has done this many of times if another account is open in my name I will seek legal action and sue XXXX XXXX XXXX for damages, I am attaching a FTC identity theft report to this complaint to have this removed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-06
Company: Source Receivables Management LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This fraudulent account was at one time disputed and removed/deleted from my credit file Now it is listed again on my credit file under a different creditor/ account number, Same company XXXX. Initially it was opened under a XXXX XXXX for his credit under my name Fraudulently. Here is proof below : XXXX  Prepared for XXXX XXXX XXXX Personal & Confidential Date  Generated XX/XX/XXXX Report Number XXXX divider About Dispute Results Our reinvestigation of the dispute you recently submitted is now complete. If we were able to make changes to your credit report based on information you provided, we have done so. Otherwise we have contacted the company reporting the information you disputed, supplied them all relevant information and any documents you gave us with your dispute, and instructed them to : review all information we provide them about your dispute ; verify the accuracy of the information ; provide us a response to your dispute ; and update their records and systems as necessary. 


If an item you disputed is not in the list of results below, it was either not appearing in your credit file or it already reflected the requested status at the time of our reinvestigation. 
Here are your results SOURCE RECEIVABLES MNG Account XXXX This item was removed from your credit report. Please review your report for the details. 

XXXX icon Deleted You can contact SOURCE RECEIVABLES MNG at XXXX XXXX XXXX XXXX XXXX, XXXX , NC XXXX or ( XXXX ) XXXX After your dispute : This item was removed from your Credit Report. 
Before your dispute : Account Name SOURCE RECEIVABLES MNGMN Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$1100.00} Balance Updated XX/XX/XXXX Recent Payment Amount $ XXXX Monthly Payment {$0.00} Original Balance {$1100.00} Highest Balance {$0.00} Terms 1 Months On Record Until XX/XX/XXXX Payment History

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: EQUIFAX, INC.
State: KS
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 received a notification that XXXX had asked for inquiry in my credit. The notification was through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
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:
XX/XX/XXXX, XXXX, XX/XX/XXXX i wrote XXXX, XXXX , XXXX and XXXX that they had erroneous information on my Bank of America Mortgage . i submitted proof of timely payment. i requested Section 609 " wet ink proof '' of my application and XXXX, XXXX, XXXX and XXXX did not respond or provide proof. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I also submitted requested to remove the late payment informatoin on my XXXX mortgage which has been paid in full and was never late. XXXX, XXXX, XXXX and XXXX did not remove their erroneous informatoin. 

Botht he Bank of America and XXXX mortgages were paid off in FULL on XX/XX/XXXX. 

Also, i requested proof of " hard inquiries '' on my XXXX, XXXX, XXXX and XXXX by : XXXX, XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX which i never authorized. and the credit agencies did not provide proof i authorized.

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 2017-12-13
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Numerous calls to XXXX XXXX XXXX XXXX to NOT call us for someone that has NEVER worked here. I have personally spoken with at least 15 " managers '' that promised to stop the calls. Bordering on harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-26
Company: MIDCOUNTRY FINANCIAL CORP
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX a debt was paid in the amount of {$530.00}, payment receipt # XXXX to XXXX XXXX XXXX, XXXX. A representative of XXXX XXXX advised that the updated information will be updated with bureaus within 14 days. As of this day, XX/XX/XXXX bureaus are still reporting incorrect information. I called XXXX XXXX again this date and no one was able to advised me if the information has been updated. NOTE : My checking acct shows payment withdrawn in the amount of {$530.00} on the XX/XX/XXXX. 
The use of credit is updated within hours on reports, it should also update within hours when repairing, repaying, or logging incorrect information complaints with 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 2019-02-03
Company: Experian Information Solutions 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:
information on my account is not accurate, credit bureaus reporting misleading and wrong information.

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 2018-04-07
Company: National Enterprise Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Debt Collection company failed to validate to truth of the debt before acceptance this matter has been disputed the third party collection agency failed to honor the dispute

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 2019-08-22
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a suntrust account XX/XX/19 and deposited {$400.00} in savings and {$800.00} in checking. Today XX/XX/19 I cant use online account so I called they said my account will be closed. No provided reason and no access to my money. I called three different departments went to branch in person an tried atm. They would not give me info or my money. Ive had no money for basic needs lol gas, for, shelter I have no other way to get funds. They said I will get a check in mail of my money in 7-10 days after 5-7 day investigation. They refuse to help me or allow me funds to survive.. I did nothing wrong.. Im a hard workin RN!

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 2019-08-22
Company: EQUIFAX, 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:
XXXXXXXX XXXX XXXX was placed on my credit file it was never validated also they put my dispute statement as my personal statements so everyone can view it. The original creditor ( XXXX XXXX XXXX XXXX knows I was living with someone at that address they need to validated it XXXX of 2016 shows this is not my debt it belongs to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Navient Solutions, LLC.
State: MT
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:
I went to XXXX XXXX in XXXX. I received a loan from sallie mae and now it's Navient. I was in XXXX XXXX for 7 years XXXX to XXXX. I seen several informational articles that being i was in XXXX   XXXX, I should have qualified for a public service forgiveness repayment program. Sallie Mae and Navient both denied me and told me I did not qualify because i was a XXXX  XXXX. I was still considered as XXXX XXXX. I also have seen a school closure article that I as never told about either. When i asked navient about the school closure loan dismissal they did not give me direction on how to apply. My personal bank is the one that helped me with this information. Now that I am not in XXXX XXXX  anymore, I do not qualify for that program. I feel I was misled and missed out on an opportunity to help me with my loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: Ad Astra Recovery Services Inc
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a payday loan from XXXX XXXX back in XX/XX/XXXX I fell behind on payments and the account was sent to a collection agency Ad Astra I was contacted by them regarding the debt that was placed in their office by XXXX XXXX. I mad arrangements to pay weekly of XXXX. two weeks ago approximately I contacted them to let them know that I was off work to me being a XXXX XXXX XXXX and and I needed the payments to resume the following Friday after I returned to work. The rep put the payment in for the Same week which XX/XX/XXXX and not the following Friday. I received a call about the payment and I did let them know that I couldnt make the payment until the next week and let her know to put it in the for the next Friday. So as of right now the debt was put on my credit report as derogatory. Iam more then willing to pay it off but somehow it was a miscommunication on their end. I want this to be removed because it is affecting my credit negatively and resume payments so it can be paid off as I agreed to with no problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
Company: Bread Financial Holdings, Inc.
State: CA
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:
This account have absolutely NO MERIT and should not be on my credit report due to the nature that theyre fraudulent. I have enclosed all the information needed to furnish a permanent block on my credit report. 

The account with XXXX XXXX  and the account with XXXX XXXX XXXX for {$2500.00} that was sold to XXXX XXXX XXXX are both fraudulent and under the FCRA 2009 ( a ) should not be reported due to the nature theyre fraud. Also under the FDCPA ( Fair Debt Collection Practices Act ) XXXX XXXX XXXX MUST contact the original owner of this debt and inform them of the information furnished and that the account is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CMRE Financial Services, 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: Account status incorrect

Complaint:
I have accounts that I have paired off that won't remove from my credit I have unknown accounts on my report, and I have medical Bill 's and important information that violates my rights on the report I have tried to fix the issue several times I have also contacted the police because I have paid Bill 's and information hycite service I returned all their equipment and their still charging me. 
Hycite service Come financial XXXX and the XXXX account are medical Bill 's that have been paid they need to be removed XXXX XXXX  XXXX XXXX are unknown accounts which I complained about before see police report XXXX is account that I paid in full and they will not remove from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-03
Company: EQUIFAX, INC.
State: NJ
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 placed several disputes for two accounts under my Equifax credit report that do not belong to me and I'm 100 % sure it's a fraudulent account. Equifax is hesitating in removing these accounts from my report and do not send me verified documents that show these accounts are verified as accurate and belong to me. 

Confirmation # XXXX XXXX XXXX XXXX XXXX - Assigned XX/XX/XXXX Original Creditor- XXXX XXXX XXXX Amount- {$2400.00} Balance as of XX/XX/XXXX Amount- {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX  XXXX- Assigned XX/XX/XXXX Original creditor- XXXX  XXXX XXXX XXXX XXXX Amount {$160.00} Balance as of XX/XX/XXXX {$0.00} Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Security Credit Services, LLC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Security Credit Services. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never heard of. I have been a victim of Identity theft and this account should be removed immediately.

Company response to consumer: Closed with explanation