BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 due to a Data Breach. The fraudulent accounts have been identified in a dispute placed with the three major Creit Reporting Agencies via mail sent on XX/XX/2019. The Items I have identified and highlighted from credit reports do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681 : once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2022-08-14
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: Account information incorrect

Complaint:
equifax is still falsely changing peoples scores. i just had a complaint with them about my score going down XXXX points. the balance on one of my cards decreased by {$1.00} yep XXXX XXXX & my score plummeted XXXX XXXX, The government needs to end equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
Company: RoundPoint Mortgage Servicing LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Im XXXX XXXX and has lived in my home since XX/XX/XXXX Im XXXX years old and is struggling to keep up with my payments I contacted Roundpoint mortgage and tried to get a loan modification and was denied due to my inability to understand the application process i feel as though Ive been unfairly denied by Roundpoint mortgage company after contacting the XXXX XXXX XXXX to gain entry to the XXXX XXXX XXXX for Assitance with my payments Ive been unable to maintain my normal income due to health related issues i really appreciate mercy on this matter 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 explanation
Consumer complaint received 2019-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX ; XXXX 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 explanation
Consumer complaint received 2022-01-13
Company: Aspen National Financial, 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: Problem with personal statement of dispute

Complaint:
Aspen National Collections continued to collect debt and continue to charge fees while in legal dispute with XXXX XXXX XXXX. We have notified them of the legal dispute in process but they continue to collect and charge fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: AZ
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:
It has come to my attention. That my personal information and my identity have been compromised. I received a notice in the mail that I was involved in the Equifax data breach. I find it very alarming that your company continues to violate my rights, by reporting my personal information and following accounts incorrectly.

I have the right to privacy.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C. 1681 ( a ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy.

15 U.S.C 1681b ( a ) ( 2 ) - nothing can be furnished on my consumer report without my written consent 15 U.S. Code 1611 - Criminal liability for willful and knowing violation Whoever willfully and knowingly ( 1 ) gives false or inaccurate information or fails to provide information which he is required to disclose under the provisions of this subchapter or any regulation issued thereunder, 15 U.S.C 1692 ( C ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C. 1681-11681x The Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies, and tenant screening services. Information in a consumer report can not be provided to anyone who does not have a purpose specified in the Act. Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information. In addition, users of the information for credit, insurance, or employment purposes must notify the consumer when an adverse action is taken on the basis of such reports.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity, and time.

If you can not complete this request, please delete the accounts immediately.

I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

Accounts 1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX 2. there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting.

Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: MARINER FINANCE, LLC
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Struggling to pay your loan

Complaint:
The week of XXXX XXXX 2017 to XXXX XXXX 2017 I have spoken with XXXX who is the manager of Mariner Finance located at XXXX XXXX XXXX XXXX XXXX ; XXXX, Maryland XXXX. In our conversation I have explained to them that I am having difficulty with my entire debt that I have due to loss of income of over 20k. I was keeping afloat for a while, but then everything got to be too much in which i then decided to reach out to a debt company. When I let them know what I had to do, they educated to me that they do not work with these individuals and that they work with XXXX, in which I am trying to see what they have to offer. I am trying to work out the issue with this business and they are not willing to work with me. I am a little more than 30 days passed due and they are already sending letters about legal action. I also had to lose the car. Please assist 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 2018-01-09
Company: Coinbase, Inc.
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Over a month ago ( XXXX XXXX XXXX ) I was signed out of my CoinBase app on my XXXX. Im not sure why the CoinBase app randomly signed me out. When attempting to sign back in I was prompted for a two factor authentication. The app proceeded to text me a code I was supposed to enter in order to sign in. Unfortunately, I no longer have access to the phone number listed with my account, so I could not recieve the texted code. I proceeded to the account recovery option on the code entry page that you could select if you were unable to recieve a one time code. I was prompted to change my phone number with my account, but needed to enter in my previous number in order to change it. The previous number listed on my account is a temporary number, and I dont remember what that number is. I therefore cant change the phone number on my account to my current number. 

I proceeded to email CoinBase support on the same day. I received an automated response directing me to some FAQs on their website. Below the email in very small text that I only noticed about 5 data later it said I could respond to that email if I needed further assistance and that only if I responded to the email that theyd be in touch as soon as possible. 

Ive now waited over a month since my original email on XXXX XXXX ( today is XXXX XXXX ) and have yet to recieve a response. Ive responded to the automated email 3 times and DMd the CoinBase support XXXX account, to no avail. Im extremely frusturated because Im locked out of my account and have not received any response or assistance regaining access to my account and funds in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: National Credit Systems,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 with this company before. My credit report is showing a collection for XXXX XXXX XXXX XXXX. I have never stayed there. Im asking them to provide a signed lease or any other documents showing the XXXX XXXX XXXX with my signature.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: Maximus Education, LLC dba Aidvantage
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have student loans from XXXX that Ive had since I was XXXX. They just recently transferred them over to a different company ironically rigt when they had a lawsuit against them for XXXX  us over.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I know that my identity was stolen and after discovering it, I put a block/freeze on my credit report to prevent unauthorized access to it. And while I discovered that an account was opened with my identity, I tried resolving the issue with the merchant but to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After paying off my account Syncrony closed my XXXX Change Account. The account has never has a late payment, and I just paid the account off. Its bad enough that it only had a XXXX dollar credit limit after they lowered it from XXXX dollars, but to close the account for no reason is absolutely ridiculous.

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 2019-01-14
Company: First Data Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
On XX/XX/XXXX saturday two weeks before XXXX my card number was used in new york at XXXX XXXX they stole XXXX dallars when i called XXXX XXXX XXXX XXXX they only told me this info and im in oklahoma they sent out a paper and i filled it out sent back ive called everyday no update these people are a joke and they are criminals i want my pay back im a single mom they need to be shut down most people ive spoken to are foreigners and make excuses for the ones who have stolen your money its a scam how can i get my money back they gave me an dispute id XXXX but no money still this company is a fraud they help foreighn countries and there people steal our hard earned money please do something theres thousands ofcomplaints on this company

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 2017-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
NOT AUTHORIZE INQUIRY TRANSUNION XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX  XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL XXXX XXXX XX/XX/XXXX XXXX XXXX, FL 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 2022-01-13
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 HAVE NEVER GIVEN TRANSUNION, XXXX OR XXXX ORAL OR WRITTEN CONSENT TO PLACE THESE ACCOUNTS ON MY CREDIT FILE. THIS IS ALL FRAUD '' XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX. XXXX and XXXX ACCT # XXXX XXXX. COLLECTION UNLIMITED A. THESE ACCOUNTS NEEDS TO BE DELETED TRANSUNION IS VIOLATING MY RIGHTS AS A CONSUMER THIS IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTIONS IT IS FRAUD. 

XXXX XXXX IS VIOLATING MY RIGHTS AS A CONSUMER AND THEY NEED TO DELETE THESE COLLECTION OFF MY CONSUMER 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 non-monetary relief
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I made 2 deposits into my accoount. The first was {$5000.00} and 2nd was {$25000.00}. The deposits were pending but never credited to my account. Coinbase does not respond to any emails or customer support on social media. They have effectively stolen {$30000.00} from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: BARCLAYS BANK DELAWARE
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 XX/XX/2017 I was a patient at XXXX Hospital ER in XXXX, Texas. My insurance card ( XXXX  XXXX ) clearly states that the co pay for ER is {$150.00}. My card was charged XXXX without my knowledge. ( I will address billing issues with XXXX XXXX separately ) I did not authorize this charge and did not sign anything. I have notified Barclaycard Visa of the situation as an unauthorized charge and an overcharge. I sent them all pertinent documentation. This is a complaint against Barclaycard. I also told them the address on my receipt did not match the billing address on the credit card and that the charge should have never been authorized. I have received communication from Barclaycard notifying me there is nothing they can do as I did not submit proof of an overcharge. They claim I authorized the charge, and I argue I did not. There is nothing with my signature anywhere. The Visa in question ends in XXXX. Barclaycard 's address is XXXX XXXX XXXX, XXXX, DE XXXX.Barclycard customer service is rude and not at all helpful on the phone.

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 2018-01-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I requested two SEPA Euro withdrawals from Coinbase/XXXX on XX/XX/XXXX and XX/XX/XXXX for  the amounts of XXXX Euros on XXXX and XXXX Euros on the XXXX. 

SEPA tranfers should normally tak 1-2 business days but I am still waiting for the money to credit my XXXX account. I have sent countless support reuqests to XXXX and Coinbase ( they are the same company but XXXX is their more 'professional ' exchange and Coinbase is their simple front end interface ) I have nothing back from their support function apart from auto response emails. I believe this problem is wide spread as there are lots of Coinbase/XXXX customers saying similar things. The interesting this is the higher withdrawal amounts do n't seem to get processed. I have made SEPA transfer from Coinbase after the XXXX for smaller amounts which have been processed ... But the two larger payments made on the XXXX and XXXX have not been processed. So it seems Coinbase/XXXX are deliberately hanging on to the larger deposits ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: First Technology Federal Credit Union
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I applied for a Personal Unsecured Loan with First Tech Federal Credit Union on XX/XX/XXXX in the amount of {$5000.00} under installment of {$130.00} per month for forty-eight ( 48 ) months, due date on the XXXX of the month before the closing date of the XXXX of the following month per approval by First Tech Federal CU Representative Customer Service agreement to avoid a late fee and past due on installment payments. Since First Tech Federal CU is an online Bank in my State of XXXX, NC, I mail my monthly payments of {$130.00} plus {$15.00} late fees totaling {$140.00} by United States Postal Services 2nd day Priority Mail to received before the closing date of the XXXX of each month since I am a Retired XXXX  Employee from the XXXX for XXXX XXXX XXXX XXXX over 48 years & received my retirement benefit on the first of each month. I tried on three attempts with First Tech Fed CU Representative to set up an Electronic payment Plan per application online to be debit from XXXX XXXX XXXX XXXX Checking Account but First Tech Fed CU did not accepted agreement. Therefore, I mail payments by Certified Mail per month and First Tech FCU is fraudulently reporting account past due since XXXX until present of XX/XX/XXXX ignoring my dispute. Balance is {$2700.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13
Company: DISCOVER BANK
State: IL
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 purchased a watch using my Discover card through XXXX. The watch arrived broken. I disputed through Discover. The merchant ( XXXX watch ) and I came to agreement to resolve the issue after which I closed the dispute with Discover. XXXX never received notice that the dispute had been closed. XXXX officially closed the case on their end, siding with me, not paying the merchant, because they never received notice from Discover that I had closed it and it should go in the merchant 's favor ( them getting paid ). Discover went ahead and charged me again for the full amount on XX/XX/21. To recap : I dont have the money, XXXX XXXX have the money, the merchant doesnt have the money. Discover has the money and they refuse to accept an email from XXXX saying XXXX doesnt have the money and never got information saying the dispute had been settled in the merchants favor as proof. Discover is sitting on my money claiming they dont have it and they wont do anything about it. They wont let me open a new dispute because they say it cant be done twice on the same transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
All of these are from 2011 and payed off and the rest are account not done by myself. Cease to exist

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation