BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-17
Company: EQUIFAX, 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:
In accordance with the fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
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: Their investigation did not fix an error on your report

Complaint:
I sent a letter addressed to the Credit Bureau requesting to conduct an investigation and correct the information being reported. The credit bureau must validate this account in line with FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The listed account need to investigate and correct from erroneous reporting. 
XXXX XXXX XXXX XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Experian Information Solutions Inc.
State: NV
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:
There is a medical collection on my credit report that isn't mine. Please remove it.

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: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My problem is with coinbase.com They blocked my account for revision more than one month ago... the origin of the problem was that they send an email ( by error ) saying that my configuration of double factor login was changed, and they sugest click a button for revision of my account if I didn't do the change... 

I pushed the button, but after this coinbase.com published a message explaining that the e-mail of double factor change was an error that they send. 

The problem is that I have mi account blocked in revision from then. I sended some e-mails to coinbase requiring unlock my account, I sended photo of my face, my nathional ID card, etc... but they respond that the revision required a few days ... more than 35 days after, my account still is blocked. 


I have a little inversion of XXXX XXXX currency, that start with XXXX but in this time arrived to XXXX today it's in XXXX But I can not touch my money Can you help me? 

Thank you very much Regards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-26
Company: EQUIFAX, 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:
Im submitting this complaint against XXXX, Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous mental and financial distress, preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, 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 writing to delete the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Incorrect information, this is a joint account with my spouse and his was removed from his report and mine is still showing.

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 2022-08-05
Company: Santander Consumer USA Holdings Inc.
State: IN
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 called XXXX yesterday about fraud and the rep said they only follow XXXX policy and was calling the other consumer reporting agencies bureaus and I told her they are not bureaus. That yall are reporting inaccurate information. A charge off is income and shouldnt be reported on my consumer report. The IRS already confirmed this. Santander Consumer never sent me a XXXX and illegal sold a alleged debt to XXXX XXXX who I have no contract with that never provided DOCUMENTARY EVIDENCE. XXXX did not exercise their grave responsibility, they was unfair, they was partial, and they did not respect my right to privacy. They never had permissible purpose and I never instructed them to furnish negative information on my consumer report. They never had my lawful consent in the first place. Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. Also they rep said she can only do disputes. I demanded for it to be deleted/removed because that inaccurate information of the wrong name, charge off, and hard inquiries should not be on my consumer report. No consumer reporting agency got written instructions from I the consumer to report negative information and inaccurate information. They are acting as trustees!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Please update all of my personal information on XXXX XXXX TRANSUNION, XXXX XXXX I would like all the names, phone numbers, and addresses along with removing any employer. My only name is XXXX XXXX. My only phone number is XXXX. My only address is XXXX XXXX XXXX, XXXX, TX XXXX. My only employer is XXXX and I am XXXX  employed. There may be individuals who have the same information as mine. Creditors may have entered my name, address, and/ or employer incorrectly when requesting my credit report. Regardless there are names and addresses that should not appear on my credit file.

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 2020-12-06
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
I have written to dispute and request to investigate multiple times to all credit reporting agencies, XXXX, XXXX  and XXXX, and Citibank, NA XXXX XXXX XXXX XXXX, XXXX XXXX SD XXXX, three - ( 3 ) times, to have a report of 30 day late payment from XX/XX/XXXX removed from my record or to have their refusal to change this erroneous data explained. My payments are due on the XXXX  of each month. In this instance a payment of {$230.00} was made and credited to my account on XXXX XX/XX/XXXX which satisfied the late amount owed in addition to a late fee ( which is correct and accepted ) and the new monthly amount for XX/XX/XXXX. This account was late 17 days in XXXX of XXXX but was and has never been 30 days late. In XXXX of XXXX the card itself was paid off in entirety, {$2800.00}. I have submitted all proof via statements, letters and bank drafts and Citibank has refused to remove the late payment or provide explanation as to why they still contend the information is correct. 

These disputes were conducted in XXXX, XXXX and XXXX of 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 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There is a consumer report on my trans union credit report that says to verify my identity and it is being taken as a fraud alert by bank underwriters that are reviewing my credit report for a morgage loan. On my Transunion online portal it says i have no fraud alerts set so i cant remove it there and i also tried calling trans union and they directed me to that same page in my portal that i had just been on that said i had no fraud alerts and when i said i was looking right at the fraud alert he said maybe it was from another company. I looked at all my reports its only on the trans union report. It says it has no expiration and i need it removed from my report as soon as possible. Anything you can do to help would be appreciated. Thank you.

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 2020-10-22
Company: EQUIFAX, INC.
State: FL
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 sent a lot of letters to the credit bureaus because I have a lot of errors on it. Also, Equifax have blocked my account and I wanted an explanation but I didn't have it. I sent 6 rounds of letters to the bureaus but I had nothing resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
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: Investigation took more than 30 days

Complaint:
I sent identical investigation requests to XXXX, XXXX, and Trans Union back on XX/XX/XXXX. The results should have been returned to me by XX/XX/XXXX. I received the investigation results from XXXX  in a timely manner, but I still haven't received anything from XXXX or Trans Union.

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 2019-06-02
Company: Commonwealth Financial Systems, 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:
SENT FTC AND POLICE REPORT VIOLATION XXXX   XXXX COMMONWEALTH FINANCIAL WRONG SOCIAL REPORTED SENT PROOF TO XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I withdrew {$600.00} ( XXXX $ XXXX ) on XX/XX/2021 from my Citibank checking account at a Citibank ATM  located in a Citibank branch at XXXX XXXX XXXX XXXX in XXXX, California. I then deposited that same {$600.00} back into that same ATM machine in order to pay a {$560.00} balance that I had due on a Citibank credit card. I have done this before many times and never had a problem. 

When I attempted to deposit the {$600.00}, however, the ATM took the {$600.00}, but then immediately put up an error message saying that it had experience a technical problem and could process the credit card payment and also could not return my {$600.00}. It gave me a receipt showing an error and told me to call a XXXX number. 

I understand that ATMs sometimes malfunction. I had assumed that if I notified Citibank and had them open up the ATM machine, they would find my XXXX $ XXXX. I initiated a dispute with Citibank and asked them to investigate. I offered multiple times to provide them the receipts that the ATM had provided showing an error message. They declined saying it wasn't necessary. 

Citibank contacted me today stating that they had concluded their investigation and not found any evidence of the {$600.00} I put in. This is clearly incorrect. I can easily make {$600.00} at my job with less time and effort so I'm not running a scam here to defraud Citibank of {$600.00}. At the same time, I am obviously not about to let Citibank simply keep my {$600.00}. I have asked them to investigate again and, after demanding it, did get them to agree to let me fax them a copy of the ATM receipt showing an error message. However, at this point, I have no confidence at all in Citibank 's ability to investigate this matter. 

I can certainly sue Citibank, but I'm wondering if there is anything the CFPB can do to assist. Thanks. 

I am attaching the two receipts the ATM machine spit out at me when it malfunctioned. The first shows that it had encountered an error. The second receipt shows that I was indeed trying to pay a credit card balance of {$560.00}.

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 explanation
Consumer complaint received 2017-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
On XXXX/XXXX/XXXX, I called Bank of America to report unknown charges. My debit card number had been stolen and used it 25 times at gas stations within a 9 day period for a total of {$700.00}. 

While I was on the phone with them, more charges were coming in. There were charges in XXXX which were legit and showed that I was in XXXX at the time of all of these charges. They gave me a temporary credit in the amount of {$680.00}. 

On XXXX/XXXX/XXXX, without any explanation, they denied my claim and reversed all of the temporary credits. The letter they sent simply stated that they had reviewed my case and found that these were not fraudulent charges. That was it. 

I have called almost daily since XXXX/XXXX/XXXX ( the date I received the letter ), trying to get an explaination and documentation as to their findings. I have repeatidly asked for my money back. I have spoken with a manager in their Delaware location named XXXX. While on the phone with XXXX, she makes you feel as if she is on your side and understands and agrees with you. She states that she will contact the claims adjuster (? ) and that she will call me back with information. She has NEVER called me back even once. 

Here we are a month later and I have no further information from them and I 'm still out {$700.00}. And at this present moment, I 'm waiting for XXXX to call, which I already know will never happen.

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 monetary relief
Consumer complaint received 2017-12-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
Hi, I 'd like to file a complaint against the following company : Coinbase , Inc . 
XXXX XXXX California United States I have the following trading account username that I 've been using for trading with Coinbase / XXXX ( XXXX is owned by Coinbase ) : XXXXXXXXXXXX I have attempted to withdraw my money out of Coinbase using the XXXX withdrawal method on the following 2 days ( 2 separate transactions ) : 1st transaction : XXXX ofXX/XX/XXXXXXXX XXXX : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account by XX/XX/XXXX. '' 2nd transaction : -XX/XX/XXXX of XX/XX/XXXX -sum : XXXX -Withdrawal reference : XXXX -ETA of supposed transaction arrival into my bank account ( quoting an e-mail confirmation from Coinbase ) : " XXXX will arrive in your bank account byXX/XX/XXXX. '' None of the 2 transactions have been processed so far, i.e. nothing has arrived into my bank account and I 'm missing the funds worth of XXXX ( EUR ). Hence they are already overdue for many days with these transfers ( from a XXXX law, the XXXX transaction needs to be processed within 2 business days XXXX. 

I should say that the previous XXXX withdrawals preceding these 2 transfers have been processed on time ( crediting my account no later than the 2nd business day ). 

I have logged a support case with Coinbase on the XXXX of XXXX with the following ID : Case ID : XXXX. However, I must say that the company owing me my money has not been very cooperative and I have not received any response as to when should the money be credited to my bank account. I tried to phone their customer center but it 's nearly impossible to get an answer from anyone ( was on the waiting line for more than an hour so I dropped out ). I even tried to get in touch via XXXX accounts dedicated to Coinbase support, still no luck. 

I need to point out that there have been numerous other cases from all the other different people that have been having issues with their XXXX withdrawals from Coinbase. So I 'm not the only one. 

I 'm attaching the following : 1 ) e-mail confirmation from Coinbase re. my 1st XXXX withdrawal transaction : XXXX XXXX ) e-mail confirmation from Coinbase re. my 2nd XXXX withdrawal transaction : XXXX XXXX ) Screenshot from the Coinbase web-portal confirming that those 2 last transactions are in PENDING state on their side, i.e. they have not been processed ( note the previous transactions as COMPLETED - they have been credited to my account, so no issues with the previous ones ) : Coinbase_screenshot.png ( Date of making this screenshot : XXXX oXX/XX/XXXX ) Please help me in resolving this issue. 

Thank you, Regards, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Commonwealth Financial Systems, Inc.
State: RI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recive a notification on my credit report stating that i owe a debt to debt XXXX XXXX XXXX for a blance of XXXX dollars i called the collection agency and ask for furture information concerning this debt i inform them that i had insurance at that time and was n't aware of this bill i ask for proof they sent me a email i told the rep i was not treated at that hospital by that dr and the debt was from XXXX past the XXXX yr i asked them to remove the debt from my credit i called the hospital billing who also could not verify the account as it was writen off their system instead the account was sent to a another collection agency comonwelath fianacal who also reported it as a current account so now i have multiple collectoin agency who are reporting information that should not be on my credit report when i ask for it to be remove they refused when ask for away to to dispute it she ignored me i asked to speak to a supervisor she hung up

Company response to consumer: Closed with explanation