BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-03
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My account on Coinbase was hacked and all my fund was gone. Coinbase absolutely has 0 support. All they do is send out automated emails. Not to mention that In that email, they conveniently said they aren't responsible for the fund that was already transferred out of the account by the hacker. 
My hard earned money was gone in a matter of minutes and there is NOTHING coinbase can do about it based on their automated email. There is no way to reach a REAL person who works at coinbase. 

Nobody should be using Coinbase which has no support and such a weak protection against hackers. 
Also for some reason, Coinbase deleted all the history of crypto that was SOLD by the hacker and transferred out of the wallet.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions 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 have disputed this debt with credit bureaus numerous times and requested proof of investigation. The credit bureau respond that they have investigated, however offer no proof that the debt that I dispute is accurate. I do not nor have I ever done business with XXXX  XXXX, however they are listing a debt on my credit report that I have disputed several times.

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 2023-04-25
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-23
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had originally applied for a home equity line of credit with Huntington Bank. After receiving a low appraisal ( which I believe was discriminatory ), I decided to cancel the process. 

The bank proceeded to process the loan without my consent. Their response was I had asked for another appraisal ( I did not. The loan officer told me another appraisal was going to be conducted ) the loan had to be processed. 

I was not made aware conducting an appraisal means a loan must be processed with or without the consent of the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: Credit Karma, LLC
State: IL
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:
Creditkarma has been reporting false information from : places of employment and credit score to certain items on my credit report, just to try and sell me on getting loans or credit cards with high interest due to the damaging information on my credit report. I have also contacted some of the original creditors and the credit bureaus about some of the incorrect information on my credit report and have been told that they either have no idea why its on my creditkarma report or that they have contacted creditkarma to remove certain items and creditkarma either didnt want to or just ignored it. This is damaging to my financial life and is preventing me from getting a fair interest score when applying for crediy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
Company: JPMORGAN CHASE & CO.
State: MA
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:
I disputed a charge from an online merchant with my credit card company ( Chase Card ServicesXXXX XXXX because the merchant had engaged in bad business practices which included misrepresenting their return policy online, shipping me a product I had cancelled because I learned about a restocking fee for returns that had not been disclosed at the time of my purchase, refusing to refund me my {$21000.00} because XXXX failed to retrieve the package in a timely manner that had been wrongfully delivered to me. I disputed this charge twice with my credit card company because they failed to find in my favor and because I had new information for them regarding my case. The second time I disputed the merchant charge with Chase Card Services was on XX/XX/22. I am concerned that the credit card dispute team is not aware of or adhering to relevant consumer protection laws that are applicable in my case. Their phone number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: MO
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:
The following inquiries are not of my doing, nor was they authorized by me by any means, therefore they are fraudulent inquiries, so I'm demanding that these unauthorized inquiries are removed from my credit file. 


XXXX  ( XXXX ) XXXX XXXX ( XXXX ) XXXX XXXX  ( XXXX ) XXXX  ( XXXX ) XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a veteran and currently have a VA loan with XXXX XXXX. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. 
As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. 
I sent several emails to XXXX XXXX explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks late. 

I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. 

Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 XXXX XXXX   statement in the amount of {$2600.00}, my payment cleared.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I have XXXX credit cards with Elan through XXXX Bank. I call this fraud - you may call it something else. One is closed because Elan raised my credit line ( without my request ) increase of {$5000.00}, with an introductory 2.99 %. Once I used up the increase and was making payments on time, I received notice I was losing the 2.99 % due to a drop in my XXXX score and the new rate was 23.24 %. I have been paying on this account regularly but closed it because I felt taken advantage of. The second card is currently open and I continue to pay on this one. The problem is an unauthorized online scheduled payment of {$1100.00} was taken out of my checking account without my knowledge or permission. Elan has dropped my credit limit and claims they can not return the unauthorized payment because it would put me over my credit limit. My regular payment of {$450.00} was made by phone, on time, using the same checking account. I always pay credit card bills by phone and record the confirmation number and amount paid on the bill.

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 2019-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND NOW I AM LEFT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY 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 2019-08-09
Company: Home Point Financial Corporation
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 am a veteran and currently have a VA loan with Homepoint Financial. On or about XX/XX/2019, I attempted to make a mortgage payment in the amount of {$2600.00}, using their website. My payment came back as returned. I was immediately notified on XX/XX/2019. 
As a result, I made another payment in the same amount on XX/XX/2019, in efforts to avoid any " 30 Day '' lates on my credit report. My payment was successful and posted on XX/XX/2019. 
I sent several emails to Homepoint Financial explaining the problem but they have ignored me thus far. Additionally, all three credit reporting agencies are now reporting that I was " 30 Days '' late for the month of XX/XX/2019, when my payment for XX/XX/XXXX has a 14 day grace period ( it has only been 9 days ), before considered two weeks  late. 

I have called several times and spoke to atleast two reps asking them to remove the negative remarks from my credit report. Thus far they have ignored my request. 

Notice from all of my attachments I made my mortgage payment on XX/XX/2019. Also look at page 3 of 4 POPA Bank statement in the amount of {$2600.00}, my payment cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12
Company: JPMORGAN CHASE & CO.
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I want to open a chase bank account but cant because my social security number is being used under a business account but not as a social. Im assuming theyre using it as a tax payers number cause im a XXXX employee. But the bank cant give me information because technically its not me but under my identity. I want their account flagged for fraud and removed. They are the reason i havent been able to receive my stimulus '

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
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:
I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: V and H Portfolio
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Vance and Huffman Llc continually reports this is my debt. Balance credit {$1600.00} acct # XXXX tried to handle this formally but you are not willing to to help me. Ive filed a report with the federal trade commission, XXXX  and police report all will be attached. Please stop reporting to to my credit report or I will be forced to take legal acting after this. This is not my debt Im sorry and I hope you find the right person. But this has to stop delete and do not contact me or report this under my name any more. Take it up with XXXX police department. The documents you provided is not even my signature. You are violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
I reached out to Transunion about the reentry of a collection account in XX/XX/XXXX. I was advised that a Supervisor would reach out to me by a representative name XXXX. I never received this call.i reached out again on XX/XX/XXXX and spoke with XXXX for XXXX hr, she verified that the collectiin account from XXXX XXXX XXXX was updated and re-entered on my credit report. This was disputed back in XXXX and had been off my Credit Report until XX/XX/XXXX. I advised Transunion that per FCRA law I was suppose to be notified of the reinsertion within 5 days per FCRA law FCRA 611 15 U.S.C 1681 section 5Bii. Due to this violation, the tradeline muat be removed. XXXX advised that while the tradeline was reinserted it was by the credit company and no Transunion. I advised XXXX that per the law the credit reporting bureau was suppose to send me a notice prior to reinserting it 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 2018-08-07
Company: The Outsource Group, Inc
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1. XXXX failed to properly validate the alleged debt. 
2. The address on the itemized bill is incorrect. 
3. I never received written notice about this account it just appeared on my credit report. 
XXXX. After XXXX received the last letter on XX/XX/2018, they failed to respond with a response within the allowed 30 days.

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 2018-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
All of my school loans are paid off. please removed them from my credit report. I spoke to the XXXX XXXX XXXX XXXX  and they assured me that after they are paid they will be removed from all 3 credit bureaus.

Please remove XXXX from my credit report it is showing up as a HARD INQUIRY. I do not own any real estate and I do not know why its 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 explanation
Consumer complaint received 2019-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive been banking with Chase for a few months now. During these few months Ive lost my debit card twice an unauthorized transactions on my card From XXXX XXXX XXXX  XXXX   in the amount of {$1700.00}. Chase notified me that my account has been closed, and that I can go to a branch to withdraw my remaining balance that I had available. I went into the branch and they advised me that they spoke with chase claims to get the OK to withdraw the funds, they then advised me that they are unable to give me my funds that I had available in my account because the claim I made with XXXX XXXX XXXX  XXXX   was still open. Today is the first and because Im unable to take my funds off, Im unable to pay my rent because chase will not give me my remaining balance after my account was closed. If this was the case, my account should still be open, and I should still be able to use my debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or XXXX XXXX XXXXftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-07
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my 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