BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I signed up for Coinbase early around 2013, and have recently been active. Ive placed orders over {$300.00}, and gave the company all of my sensitive information : Drivers license, phone number, bank account info, and so on JUST to verify my account. I opened XXXX account, and while I was trying to confirm my identity, it suspended me for NO REASON. It kicked me out and wouldnt let me back into XXXX. Thats fine, but why would you SUSPEND my Coinbase account too?!? I am literally in awe. I wrote in Support ticket, have been waiting for weeks. Nothing. If youre in the business to scam accounts like mine to keep small chump change, youre doing it wrong. I understand risk and identity theft protection, but this is ridiculous. Im coming in from the same XXXX device id, same ssl fingerprints, same IP Ive used to log in to my Coinbase account, WHICH is still logged in and you should probably still HAVE my most recent XXXX. Why did you suspend me? 

Separately, you had emailed me to confirm my bank account name which youve somehow ironically used my Nickname to verify, which doesnt make sense. Why would you use my nickname to verify my bank account as opposed to the legal name Ive provided you ON THE ACCOUNT? You also had asked me to verify my identity to which I followed your link that leads me to nowhere your account is already verified what am I supposed to do next? Contact support? Wait for a year like some people did? This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: Commercial Acceptance Company
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 information incorrect

Complaint:
I never did business with Commercial Acceptance CO, they 're reporting inaccurate information on my report stating that i owe them XXXX dollars which i do n't recall borrowing from any credit card or any company. I really will appreciate if they take the negative item off my report, If they are n't able to remove this negative reporting that 's really affecting my family live, i will like them to provide full verification and contract that proof that i owe them this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX, the original creditor of XXXX credit card sold an " unknown '' old debt to a debt collector XXXX XXXX  XXXX XXXX ( https : //www.portfoliorecovery.com/ ). I closed this account in XXXX, when my filing of divorce with my Ex wife, for what I believed that this debt was paid off, I called XXXX card and they told me it 's XXXX balance. 
My reason for protesting is, Im not convinced that this is not a fraudulent charge. Ive been harassed by collectors at work, still dont know if their claim is valid or not. My understanding is, they should not be contacting me at work. These days, its hard to just believe or accept such claims, due to advanced technologies, many are false. Im still questioning the validity and amount. 

Portfolio turned it over the XXXX XXXX XXXX XXXX XXXX  located in XXXX XXXX. Address : XXXX XXXX XXXX, XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX They wo n't answer phone calls. I want to tell them that I do n't know anything about this debt. Before it was turned over to them. I received a call at my work place telling me to give the phone to my employer and I will be called or summoned to appear at court. It is illegal for Portfolio Recovery , Associates and XXXX XXXX XXXX to threatened me like that and calling me sometimes after XXXX. Nowadays, you wo n't just accept or believe a phone call or a letter through the mail that someone is claiming that you owe them. Portfolio recovery sent me some copies of proof of debt and I do n't even know the address that was indicated in the bill and it 's not even my address.. Obviously, someone used the credit card in the past. I closed the card in XXXX and all of a sudden they called me early this yearXX/XX/XXXX to tell me that I owe them. After 5 years??

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: ENOVA INTERNATIONAL, INC.
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:
Hello, I am a XXXX, and got an email from CashNetUSA on XXXX XXXX, XXXX for someone else -- her name is listed in the email -- advising she was denied credit. I can only presume this person filled an online application out and made a mistake in the email address -- so it came to me. 

I emailed the company to advise of the issue, presuming they would contact the applicant. 

Instead, they sent a further email including the person 's credit score and reasons she was denied credit. This is a huge privacy breach, and while she may have made a mistake in typing her email address on the application, I emailed them specifically to advise of the mistake and whatever system they have in place replied with personal information that I should never have seen. I do n't know the applicant and do n't have enough information to find her and inform her of this issue, and the company wo n't respond, so I wanted to let you know as this is something I 'd be concerned about if the tables were turned.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own XXXX squid ax and trans union please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. Major finiance is also missing from my credit report. Im a victim in XXXX XXXX  credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address

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 2019-10-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Please update my personal information. I tried changing emails, and phone numbers but it seems like I cant get my identity to be safe. I will protect my identity on my own XXXX squid ax and XXXX XXXX please remove fraud alert from my credit report. I am seeking a home. Please block fraudulent accounts on my credit report which is XXXX, XXXX, etc. I already put on a FTC report weeks ago into this matte. Major finiance is also missing from my credit report. Im a victim in XXXX equidaz credit breach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX please update my address

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
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:
THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME. THE NEGATIVE ACCOUNTS DISPUTED HAS BEEN DAMAGING MY CREDIT WITHOUT MY KNOWLEDGE. PLEASE RE-INVESTIGATE AND REMOVE THE DISPUTED ITEMS OFF 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 2017-09-23
Company: EQUIFAX, INC.
State: CO
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:
Equifax failed to properly protect my PII data, compromising my identity and future creditworthiness. Their bad business practices demonstrate they should not be entrusted with this information in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12
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: Information belongs to someone else

Complaint:
HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. THE FOLLOWING ACCOUNTS WERE FRAUDULENTLY OPENED IN MY NAME AND I WOULD LIKE THEM DELETED : XXXX XXXX XXXX : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX  OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXXXXXX XXXXXXXX XXXX OPENED : XX/XX/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 2019-10-15
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is the company that says I owe XXXX. There are multiple phones on this account that is not mine. There were calls to the XXXX XXXX XXXX and new york. I live in XXXX. Illinois and dont have any relatives, family or friends here. I disputed with XXXX before and they transferred it to Jefferson capital collection agency. I managed to get my credit straight and they have brought it down to XXXX. This is really heartbreaking. Please get them to delete this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
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 paid off my BofA cards ( XXXX, XXXX, XXXX ) in XX/XX/XXXX with funds from my HELOC from XXXX XXXX XXXX XXXX. BofA received the funds and place a hold on the funds. They didn't notify me that the funds were received nor a hold was placed. I contacted them and was never told a hold was placed on the payment. I contacted XXXX XXXX and was told the fund clear on XX/XX/XXXX. We called on a 3-way call and confirmed the funds with BofA. BofA still didn't remove the entire amount only XXXX and still owed XXXX until XX/XX/XXXX, they wire transfer me the balance after several requests. After that, they closed all my accounts and label my account for money laundering. I had an XXXX score. They allowed me to pay off my balance, increase my credit lines use the account to consolidate my business, personal and do a real estate deal and then accused me of money laundering. I believed I was XXXX discriminate against without cause because of XXXX and XXXX last name. 

I called in several complaints of trouble signing to my account, My account had been hacked and I reported the email to XXXX. My account had been locked out several times they didn't help nor listen to me. They ruin my credit and I had to take more money from HELOC to pay down my limits to salvage my credit. They never explained to me the reason for the hold on my account. So I stop leaving my funds in the account. As of today I still don't understand the treatment I have received from BofA after 17 years during business with BofA. I am a licensed XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX and retired XXXX XXXX and XXXX for CA and Nevada. I truly believe I have been discriminated against.

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 2018-01-10
Company: AMERICAN EXPRESS COMPANY
State: CA
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 they suspended my account saying it was a charge back from my funding soues which it was not i could notb access my account at all no statement no online no information in reference to the the section 22 D could not proof this happen still have n't sent me my money i sent them documentation this did not happen still have my account block

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-23
Company: Navient Solutions, LLC.
State: IL
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:
Had some challenges over the years making student loan payment payments ( XXXX ; and again in XXXX when I lost my job. Called to get help and each time the only option given to me was forbearance. I was never offered any other types of assistance or programs. As a result, I am in more debt now that every before. The student loan amounts are listed in my credit report multiple times causing a negative impact on my credit score. I owes thousands in loans ( mostly from interest, fees, and forbearance ). This has caused a tremendous hardship on my family. It would have been nice to know that I could have been enrolled in an income based repayment program based off my income so that I could have kept up with my student loans -- and not pushed into forbearance as my only option. 

I have called XXXX XXXX, wrote letters, but nothing helps.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: AmerAssist A/R Solutions, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
filed chapter XXXX discharged in XXXX/XXXX/2016 companies keep saying it willl take off but dont case # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-28
Company: ENCORE CAPITAL GROUP INC.
State: KS
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:
XX/XX/XXXX MIDLANDMCM I HAVE NO IDEA WHAT THIS IS, FILED A DISPUTE WITH XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Since XX/XX/2019, we have attempted ( with my elderly Dad as co-borrower ) to enter an application for Loan Modification with Mr. Cooper on our residential mortgage. Both of us went through all of the steps that Mr. Cooper required and submitted all documentation requested. It has now been 5 months and they refuse to even clear the hurdle of the application phase. I have submitted documents on numerous times only to be told its on hold due to the underwriter requires something else and we have no control over what they are requesting. I have been in constant contact with the Loan Representative ( who  has changed to a different person twice now ). I have used their online system, I have faxed documents and I have emailed some directly but I continue to be told we need more documents or other outrageous requests. The most recent outrageous document request by Mr. Cooper in XX/XX/2019, is for a copy of the mortgage statement to be submitted, that belongs to my wifes home for proof of residency for me? They think they are going to drag her into this fiasco by demanding her personal documents and she has nothing to do with this! Its not her mortgage we are trying to modify. How can this company do that to my family? I am in dire need of resolution to save my Dads remaining sanity, health and our home where my family was raised and lived all these years!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Lendmark Financial Services
State: KY
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 took a mortgage loan out in 2009 and the company was bought by three other loan companys. I had expectional payment history until my mining job shut down. However, my credit score is suffering because even though the two other companies shut down and the third company took it over, I still have it in my credit from all three companies as if it is three different accounts, even having different account numbers. I have filed a dispute to have these other two companies to delete the duplicate negatively reported information and they fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-15
Company: Harpeth Financial Services, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I took an online loan with AF247/Advance Financial/XXXX  XXXX. Although the original loan was for {$1100.00} they are threatening to sue me in court on XX/XX/2019 for over {$4600.00}. This is mostly due to the 360 % interest rate that was charged which I was not aware of and far above the state law in Virginia. I had made multiple payments on this loan, but it is impossible to ever pay due to the extreme interest rate. Every payment I have ever made goes to interest, even when I pay above the minimum payment. I dont even understand nor was I ever explained how the balance exceeds {$4000.00} on a {$1100.00} loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-10
Company: HCFS Healthcare Financial Services of TeamHealth
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX is reporting a debt that I do not owe. I have disputed the debt with the credit bureaus. They have failed to validate the debt as mine yet they still attempt to collect the debt and threaten to ruin my credit history. This is having a negative impact on my credit history.

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 2022-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Received unsolicited financial product or insurance offers after opting out

Complaint:
I have been on XXXX since XX/XX/2019 I have been cleaning things off my credit report past medical bills and everything else to build my credit back up to buy a house for me and my kids nothing new has changed no new debts or anything else on my credit in XX/XX/XXXX TransUnion updated my credit score and dropped it by XXXX  points for no reason and are giving me no reason for it they are also reporting inaccurately information to their partner company credit sesame that is reporting inaccurate bills or debts and credit scores I want my credit score fixed there's no reason it should drop by XXXX points for no change in a credit report I have not worked since XXXX of 2019 and have had multiple surgeries and are expected to have multiple more I am trying to get my credit fixed and high enough so I can get approved for FHA first time home buyers loan and them dropping my credit score by XXXX points for no reason completely killed every headway that I've had

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 2019-10-15
Company: Lendmark Financial Services
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
My name is XXXX XXXX and I am having problems with Lendmark Financial Services. I was summons to go to court and my attorney requested information from XXXX attorney for which they could not produce so the courts recommended they settle the account with us. The information was given to the XXXX attorney and they still have not contact my attorney and this is getting to be absolutely ridiculous. Also if my attorney was unable to obtain the proper information directly from their attorney how are the bureaus getting information?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I have noticed that BK OF AM have placed an inquiry on my XXXX credit file dated XX/XX/2018. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both BK OF NA and XXXX  to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''

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