BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-14
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
{$180000.00} worth of USD XXXX  coins stored in my XXXXoinbase Wallet was drained in XXXX counts of unauthorized transactions to random wallets through a mining pool scheme operated through XXXX XXXX XXXX XXXX XXXX that was access through the Coinbase Wallet App . 
I raised the issue to Coinbase a month ago that they have withdrawn my funds without my consent. Coinbase falsely advertised its wallet app being the safest with high security features. This was an inherent and serious security deficiency from Coinbase Wallet App that caused the funds to get drained without any type of notice or authorization. 
I also got no concrete support from Coinbase over the past month and they are denying any type of support or help in getting back or reimbursing the lost funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
ACCOUNTS- PUBLIC RECORD- BANKRUPTCY- # XXXX COLLECTION ACCOUNT- XXXX- # XXXX THIS IS THE FIFTH LETTER I AM WRITING TRANSUNION TO DOCUMENT THE FRAUD BEING COMMITTED ON MY CREDIT FILE. I HAVE ASKED TRANSUNION TO VERIFY THE FRAUDULENT BANKRUPTCY and fraudulent collection account XXXX  VIA Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I have documentation since XX/XX/XXXX that I have been removed from XXXX XXXX. But Transunion states that they verified a bankruptcy via XXXX as recently as XX/XX/XXXX. So for almost a year Transunion has intentionally kept an unverified bankruptcy on my account. THIS IS FRAUD AND MUST BE SOME TYPE OF IDENTITY THEFT because this unverified account has not been verified.

The US BANKRUPTCY COURT states that they do not share information with 3rd parties so your source is FRAUD.

I HAVE LETTERS FROM XXXX  and THE BANKRUPTCY COURT but Transunion just ignores my lawful request and keeps this fraud on my account.

THE credit bureau CAN NOT LAWFULLY USE A 3RD PARTY SOURCE OR XXXX  to verify accounts.

IF ANY INFORMATION IS REPORTED ON A CREDIT FILE IT MUST MATCH ALL 3 BUREAUS AND THIS BANKRUPTCY HAS BEEN REMOVED BY XXXX  BECAUSE IT IS UNVERIFIABLE unless Transunion pays {$33.00} for the full report directly from the bankruptcy. And if done so please give me the employee who you purchased from and the receipt of purchase.

XXXX IS NOT VERIFIED EITHER. THEY ARE A 3RD PARTY COLLECTOR.

They also keep this FRAUD COLLECTION on my file from XXXX. And I have no contract with this company and it has been removed from XXXX & XXXX

I am including all my documentation in this correspondence along with Certified mail so I can document Transunions FRAUD FOR LITIGATION if they verify these two fraud accounts. If it can not be verified then DELETE IMMEDIATELY.

YOU HAVE 15 DAYS TO REMOVE THIS FRAUD. MAIL MY FULL UNREDACTED UPDATED CREDIT REPORT AFTER THE INVESTIGATION IS COMPLETE.

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 2021-05-24
Company: Bread Financial Holdings, Inc.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After previously being sent to collections, I paid an overdue credit debt back directly to the credit card company on XX/XX/XXXX. On XX/XX/XXXX, I started getting phone calls and emails from XXXX XXXX XXXX, XXXX, stating that I owed them the amount I had previously repaid directly to the card servicer five years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2021-10-14
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have not been getting my statements despite ELAN financial telling me I am enrolled in online statements. For the last three months, I've called them and they tell me I am enrolled and to check my spam folder, neither offering to assist me in making payments, or reversing fees. I have been reported to credit agencies as late despite telling them verbally I have not received notification payment is due. Each time I call them I remit payment in full. The Bank knows I make attempts to pay but does not do their due diligence in ensuring I have my paperwork to pay.

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 2020-06-23
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of collection letters I continued to receive in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: FIFTH THIRD FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021 there was a fraudulent charge on my XXXX credit card for the amount of {$4900.00}. The following day XX/XX/2021 there was a second fraudulent charge on my 5/3 Bank credit card in the amount of {$4800.00} from the same company XXXX XXXX XXXX Indiana. This is how I discovered the fraud. I received an email from 5/3 Bank stating that my credit card has been activated when I did not activate a credit card or order a replacement. I checked both credit card accounts after receiving the email and noticed the fraudulent charges. I stated to the customer service representative at 5/3 Bank that I did not activate a card or order a replacement and that I had a fraudulent charge on my account. I informed XXXX as well stating that there was a fraudulent charge on my account. XXXX and 5/3 Bank removed the unauthorized/fraudulent charges from my account. One month later 5/3 Bank informed me that I am responsible for the fraudulent charges because it was a chip card and it was used to make the purchase and proceeded to put the full balance of {$4800.00} back into my account. XXXX resolved the issue and called me to inform me of a similar situation, the customer service representative stated that it was in fact a chip card that was used to make the purchase, I informed them that 5/3 Bank stated the same thing to me and then the XXXX customer service representative stated that a phone number from Virginia called in to activate my card and I informed them I had no knowledge of that number. I am still battling with 5/3 Bank to have this resolved, I have submitted a police report to them, my XXXX bank statement showing that the fraudulent charges were reversed, I also submitted the e-mail I received stating my card was activated. I was working in the state of Illinois at the time of the fraudulent charge and I provided a pay stub and detailed payroll information of my whereabouts on the XXXX of XXXX. After speaking with a 5/3 Bank fraudulent department manager I was informed that there were in fact ( 3 ) cards with the same number in circulation, in which I only had one on me. The past six or seven months before the fraudulent charge was made on my account the only thing that credit card was used for was a reoccurring charge for XXXX. The Fraud manager at 5/3 bank informed me that the card was activated and then used for the purchase 4 minutes after activation, in which it maxed out my credit card. I researched the company name of the fraudulent charges and I can not find any legitimate information, I believe the company doesnt exist and now 5/3 is still telling me I am responsible for this payment of {$4800.00}. This needs to be rectified immediately. The case number for the above matter with fifth Third Bank is : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX my account showed that there was a transaction amount of {$700.00} at a Gas station in XXXX, the name is cared as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ''. We initially tried to make a purchase at this place, the card was declined twice initially and we left the merchant without any goods or service. Later an amount of {$700.00} surfaced on my account. No such transaction was made with that amount. I didn't even get the email alert that this amount was charged to my account. I called CapitalOne multiple times to resolve the issue and gave the signed letter explaining the events. The transaction was rebilled twice to my account and CapitalOne failed to explain why it was rebilled. Every time I call them, they're reopening the case as new. Please help me with this I've attached the statements from CapitalOne. The first statement was generated on XXXX the amount of {$700.00} was charged. After filing the dispute the amount was removed, this is reflected in XXXX - XXXX statement. The amount was rebilled back to me on XXXX. 

Also, I've attached the documents that I sent to CapitalOne explaining my account of events

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
For more than 6 years I have a Freeze on my credit report and on XX/XX/2021 I placed a Fraud alert in all the credit report companies as well as banks. The Thief that stole my identity locked my XXXX, XXXX, amazon, XXXX email ; he or she changed all my two-way verifications and the recover a count information. He even used a debit card account ending in XXXX with XXXX to lock the account. I have reported all this activity and NEVER taught that the credit bureaus fraud alert, freeze alerts can be changed so easy by a Thief, but you all are giving me a hard time. In XXXX my wife and me were trying to log into the XXXX account and noticed all my info was changed and I was locked out of it. I was trying to make payments on all my credit cards, and I could not access them. I immediately contacted all the credit cards and mail them the prove they asked for to prove I am who I am in XX/XX/XXXX while I was at my daughters graduation my wife received an alert that my email information and 2-way verification as well as the recovery information was changed. The following information which is NOT MINE but has been used by the THIEF : email : XXXX, XXXX @ XXXX ( at XXXX ), XXXX ; the following phone numbers are being used : XXXX, XXXX, XXXX ; the following mailing address has been used ; XXXX XXXX XXXX XXXX XXXX , Tx XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX. I have NEVER lived in XXXX XXXX, Texas. Last thing they did is they charged {$3.00}, XXXX at Amazon and used my bank account that was on XX/XX/2021. I have NEVER bought more than {$200.00} at once in Amazon in my life. I have been trying to close XXXX, amazon, XXXX and the companies said they must investigate first in the meantime the Thief is having a party at my expense. I just noticed you all have unfrozen my credit, took away the fraud alerts and I HAVE NOT AUTHORIZED any of this!!! I was trying to change my email address when I noticed I can not do so because the THIEF has changed everything to his/her information. NICE!!! Today I received a letter that I am responsible for {$3100.00} of goods from Amazon that I NEVER ordered or received and which I reported immediately that my identity was stolen. Even worst I have called numerous times to Synchrony Bank and proved my identity over and over ( my address ) the thief call and changes my address again and again. Whoever knows someone at XXXX XXXX XXXX in XXXX XXXX, Texas XXXX, please report the people to the police as they are THIEVES!

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 2020-08-19
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:
While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX  XXXX to check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from 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 2021-10-14
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX, I am a consumer writing this for myself without assistance from any person. CITIBANK , N.A . is civilly liable ( 15 U.S. Code 1692k ) for violations under the FDCPA. I am disputing this alleged debt, invoking my specified remedy as original creditor pursuant to 15 U.S.Code 1692c ( c ) ( 2 ) and pursuant to 15 U.S.Code 1692c ( c ) I demand you to cease any communications and collection activity of this alleged debt until you can provide me with the requested information in this affidavit attached below. I have also sent all documents to Citibank via certified mail.

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 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My vehicle was vandalized, my insurance company started working on the claim, and then suddenly I lost all contact with them, I wasnt getting any response from them for weeks, the next thing I hear is that my car is repossessed and that the insurance claim is denied. I am notified that it is my responsibility to bring my insurance company information or evidence proving the guilt of someone other than myself in order for them to go forward with the claim ... the police tell me to stay away from the person who did the vandalism due to a history of violently attacking my property and the XXXX XXXX he had on him due to XXXX into my XXXX  and XXXX  me. But I get notified that my finance company is now brought the balance to collections and it is ruining my credit, I am homeless already and can not afford to pay for something I did not do. So I go investigate the matter, I go back to the apartment complex and I go door to door asking everyone if they remember seeing anything, I find a witness who remembers everything perfectly and I tell my insurance company FINALLY I found the evidence that they so relentlessly needed, and after months of being told I need to do something in order for my insurance to take action and then accomplishing that task only to be told I need to do more, to finally find enough evidence, bring it to them, and now have them tell me, that even though I was insured by them at the time of the vandalism, because the vehicle is now repossessed and in the possession of the Lien holder I do not have the right to file a claim and it would be the responsibility of the lien holder to file a claim if they so chose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Experian Information 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: Information belongs to someone else

Complaint:
Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming this is fraudulent or of a high risk nature. The documents Ive provided are legit. This is mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information.

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
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 2021-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was fortunate, or rather unfortunate In getting a new job offer on XX/XX/2021 from XXXX so it seemed. The interview was through XXXX or XXXX  text and I chose XXXX  to be safe. After a couple of assignment I got a text that my first check on the XX/XX/2021 {$4900.00} in regards to purchasing equipment 's was on its way. After depositing the check, and the so called " Manager '' confirmed with the " accounting department '', the money was then cleared the next day. A day later I was then instructed to forward to another Bank of America account {$2000.00}, {$1500.00}, and a {$1200.00} wired, and another payment coming in for deposit {$4400.00}. Late evening the first check bounced, and the second check cleared, now in the negative this is a rather infuriating situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 made several attempts to verify my identity by sending Transunion different forms of ID, but I still can not obtain access to my credit report. Through the Transuion website and 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