BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-30
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Hello, In the past I used a platform called Coinbase.com to trade online currency such as bitcoin. I haven't made a purchase  in years, and few weeks ago my account was compromised and my debit card was wipeout. My bank did not stop the charge until they tried there second transaction which made my account overdraw and it was flagged. I was called from a number that showed from my phonebook as coinbase. I later looked to confirm if that was the same number on the coinbase website and it sure is. They stated that my account was under fraud and needed to reset the password. Following what I thought was security questions, later to find out they are the ones whom hacked my account. Although the number was the same number posted on coinbase website, I am being told that it was not coinbase. I am not sure how that is possible, I believe I was scammed from someone within the coinbase office. 

I have tried for over a month now to speak to representative and can not get a response. I was told all trades are final. How about check my IP address and see where the account was logged into? I can specify were I was at the time of the charge and I bet it doesn't match up the location of the purchase on the IP address. 

Now I can't even log into my account! I want to remove all of my information and I can't get into my account because the hacker locked out. 

I am a victim of a cyber attack, and coinbase who let these people into my account have done nothing to get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX  / pyod llc. Court date XX/XX/2023 .Company took to me to court to sue for a debt from XXXX  XXXX. Which appears XXXX times in different amounts on my credit report. I asked them to provide proof of my account which they coils not do. The case had to be continued. They could not provide me with my signature or social security number for this account. I have XXXX and take XXXX daily. I showed up at court and the could not show me proof of an account i have no knowledge of. I would like this to be removed from my credit report i am not physical able to keep going to court and they cant even show proof. They call and harrass me email all the time

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
I have sent multiple letters disputing and asking for reinvestigation for inaccurate and unverifiable information on my consumer report. I have fraudulent inquiries on my consumer report that have to be removed as they are in violation of my consumer rights and have caused me actual damages due to being denied credit. Disputes or the reinvestigations were sent on XX/XX/2023 also on XX/XX/2023 and on XX/XX/2023 you are in clear violation of 15 USC 1681a 2 ( A ) ( i ) also in violation of 15 USC 1681 Violation for willful non compliant As well as 15USC 1681n Civil liability for willful noncompliance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
These are not my accounts nor did I authorize these companies to run my credit. Please remove them.

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 2017-12-14
Company: Applied Business Services, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A company called XXXX XXXX XXXX is appearing on my credit report in the amount of {$660.00}. I do not have any business with this company nor do I have a contract with this company. They are not allowed to attempt to collect the {$660.00} that I have no knowledge of.

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 2023-03-29
Company: Experian Information Solutions 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:
I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an update of the following erroneous information on my credit report : XXXXXXXX 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

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 2023-01-31
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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 became a victim of identity theft couple of years ago. After that incident I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS from my credit report immediately. They are a result of ID theft. Beside these items. Please remove these items which are not authorized by me as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My car was vandalized & my purse was stolen on XX/XX/XXXX, I immediately contacted XXXX XXXX ( Netspend  ) & informed them that my card had been used at XXXX while I was at the park walking my dogs. They canceled my card. 
I have been on the phone with them for a combined total of over 4 hours trying to get the stolen funds returned to no avail. 
these are the amounts : Debit : Overdraft Fee assessed due to {$210.00} transaction on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX XXXX - {$20.00} XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX  XXXX XXXX {$4.00} XX/XX/XXXX XXXX # XXXX XXXX XXXX XXXXXXXX - {$210.00} XX/XX/XXXX I believe it says the XXXX because those were the dates the charges posted not when the charges were made.

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 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX XXXX  account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency

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 2023-03-29
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2019-02-08
Company: Experian Information Solutions Inc.
State: OH
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 had a unauthorized use of ID information I am in the process of filing another Police report. My bank account and credit profile have been comprised.The information is not information relating to any transaction by myself, I am attaching a copy of my ID and SS to confirm My Identity to the credit bureaus. It was an unauthorized XXXX XXXX  account. I have never done business with any of these companies I don't know who they are : XXXX # XXXX, XXXX XXXX XXXX  # XXXX, XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX # XXXX I am requesting a FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency

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 2020-09-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX has been trying to collect a debt from me that is past the statute of limitation.XXXX XXXX XXXX court case XXXX XXXX, CACH LLC vs XXXX XXXX, et al. The debt collector was granted a default judgement on XX/XX/XXXX. My last payment on this credit card was 2 years earlier. I was granted 3 claims of exemption from wage garnishment and had 2 bank liens. Currently XXXX XXXX has a lien on my bank account, XX/XX/XXXX. I believe that this debt is time barred and is illegal to collect. There is another firm involved called CACH , LLC. XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX XXXX, CA XXXX. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: MOHELA
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: Information belongs to someone else

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. 
Account name : Mohela/Dofed 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 604 A 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 tried to contact Transunion after viewing a copy of my credit report and see that they are still reporting medical accounts on my credit report after I informed them that I wanted to challenge the compliance of the medical accounts that they are reporting on my credit 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 2019-02-08
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 I logged into my citimortgage account to pay my monthly bill of {$1100.00}. According to my lenders citimortgage website, a transfer in the servicing of my mortgage loan has taken place. Big surprise to me. I am unable to make my usual citimortgage payment online and have been directed to contact XXXX. 

Due to my work schedule it has been difficult for me to reach XXXX and upon registering my loan with their website I receive an error message stating that XXXX has no recognition of my loan. 

I was not notified by citimortgage of this transfer. I was not given notice.

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 2021-01-30
Company: ERC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions Inc.
State: AP
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 Experian. 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. Experian 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 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 2019-10-30
Company: PNC Bank N.A.
State: TN
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 pair of shoes online. When I received the shoes, it was very clear that they were not the name brand they were labeled. They name tag was altered and a different color. The size did not match the label. I tried to contact the seller and they would not respond to my requests. I then contacted PNC and reported fraud. The case has been cancelled for pretend reasons multiple times. There have been at least 3 follow ups demanding more written information. Finally, in a letter dated XX/XX/16 PNC is demanding that I prove the shoes were not a legitimate name brand and " provide documentation from the real entity that indicates that the merchandise is counterfeit. Include the name of the entity providing the notification and validation that the entity is qualified to provide the notification. '' This is nothing more then yet another reason for PNC to cancel my claim and act in bad faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-30
Company: General Motors Financial Company, Inc.
State: MN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Excess mileage, damage, or wear fees, or other problem after the lease is finished

Complaint:
On XX/XX/2019 I returned my leased XXXX XXXX to XXXX XXXX in XXXX, MN. I was not asked for any information such as an updated address or anything else. On XX/XX/19 I attempted to purchase a new vehicle and received notice that GM Financial had reported me 60 days late on a payment. I then called GM Financial to ask what the payment was for and was told it was a disposition fee of {$390.00}. I then proceeded to question why I have not received any notification as in mail or email or phone calls? They had my old address of 2 years ago and I did not receive any emails either. This has dropped my score considerably and I am not eligible to obtain financing on a new vehicle. I feel there was not any legit effort in contacting me as I will pay immediately anything I owe. This needs to be removed from my credit ASAP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: ONLINE Information Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Back in late XXXX, early XXXX I had some financial issues. I believe i have paid everything I owed back then. I have mailed several dispute letters to the bureaus and also directly to Online Collections for 100 % verification. Online never responded to me with any type of validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: Diversified Consultants, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
Collector XXXX called for a debt- he did give the mini miranda. However, I did not get a letter giving me the opportunity to dispute the account. He said my account was placed with them on XXXX/XXXX/16 I said I spoke with the original creditor a few days ago and worked out an agreement. He still demanded payment. I asked him to consult the original creditor XXXX XXXX work and he refused stating it is my job to provide documentation of conversation. I told him contact them and get me the initial dunning letter and he said no- I stated I was in the process of filing a complaint then and he transferred me to a supervisor XXXX XXXX . He stated they actually got the account on the XXXX and the letter was today and it is XXXX in the morning which means there is no way it is in the mail at this time regardless of time zone.

Company response to consumer: Closed with explanation