BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Coinbase Case XXXX On XX/XX/XXXX, An unauthorized purchase was made on my Coinbase account after apparently being hacked. This was in the amount of XXXX Bitcoin or {$24000.00}. As soon as I noticed that same night, I contacted my bank and coinbase. After my bank reversing the transaction ( I obviously can not afford $ XXXX as my bank account is around $ 1k ) Coinbase informed me that my account was going to be locked and investigated. Keep in mind, I had north of {$1500.00} in crypto on that account that I had been saving up for months. After waiting for weeks, calling everyday to no avail and emailing back and forth, I was greeted with an email saying that I was gaining access back to my account after deeming the transaction was unauthorized. I was happy for a total of one minute until I logged in to see that my account had been drained to pay off the debt of the unauthorized purchase. Those XXXXbtc were purchased at a higher price-it dropped-and coinbase left me on the hook for something I didnt even purchase. Now my account shows {$0.00} in crypto and around {$3000.00} in debt that is required in order to even use the account. Im a small customer and used this site to build my savings slowly. I would never purchase nearly 25000 dollars for anything with my current financial status. The purchase was totally uncharacteristic and unlike any of my many other purchases and shouldve raised a red flag but instead Im left with debt for something I played no part in.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 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 2018-07-27
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The representatives of XXXX XXXX XXXX have been calling me repeatedly about debt that belongs to my brother and my father. 

I am not associated with the debt nor do I have any student loan debt but this is the second attempt to talk to compliance at XXXX and now FAMS where they continue to call me. 

It's causing me an unreasonable amount of anxiety because I am getting repeated calls on my personal cell phone number while I am at work. 

The real issue is that they are breaking state and federal laws re practices they are allowed to use to collect debt. I also know they have tried to call other family trying to recover the debt that none of these family members are responsible for. 

I actually have XXXX dollars in student debt which makes this situation even worse. 

XXXX XXXX XXXX is at XXXX, and I spoke to XXXX XXXX at XXXX. 

I'm interested in how to stop this agregious practice period for me and all my family unassociated with this debt.

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 2017-12-22
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 am an XXXX citizen, and I have a complaint relating to Coinbase. 
The problem started when I decided to withdrew my money, XXXX euro. It was on XX/XX/XXXX. I paid a fee of XXXX euro, so I have to receive XXXX euro via XXXX transfer. On XX/XX/XXXX, they put my withdrawal on " Pending '', and I did n't received my money. I asked them information on XX/XX/XXXX, and I received only an helpless computer answer. I wrote again to ask information on XX/XX/XXXX and XX/XX/XXXX, without answers. Today XX/XX/XXXX, I fear I am loosing my money so I 'm searching for help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX
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:
Conserve [ ( XXXX ) XXXX ] first called my work number [ ( XXXX ) XXXX ] on XX/XX/18 at XXXX. They told me they were collecting a debt, and asked if I could pay it today. I told them I'd be happy to talk to them on my home number ( which I gave them ) when I got home from work. She said she would call during my lunch break. I then told them I did not want to be called at work any longer -- I share one phone line with 4 of my fellow employees, and we need this line for our job. The person I spoke to said she'd add put a note in my file. 

Conserve called me at work the second time on XX/XX/18 at XXXX XXXX. I started by telling the person that I had asked for this number to be removed and that I did not want to be called at work. She said the previous caller must have forgotten to put it in my file. She asked me if I would prefer to talk during my lunch break. She then told me the amount of my debt and that she would soon report it to credit agencies. I told her, again, my personal phone number and asked that she call me there after work. She explained that she only worked until XXXX, so she had to call me at work. She said that someone might work after XXXX on some night ( she didn't know which ), so she would put that information in my file. 

I then asked her to mail me the information on the debt to my home address. She said they had already sent the information and that they would not do so again. I asked if she could email the information and she said it was illegal. Then she said she would call at lunch ( again ) and I  told her not to. I told her that I had already asked for my work number to be removed from their list and I'd be happy to talk to them on my personal number after work. She, again, told me that my credit would be damaged. She asked me if I acknowledged the debt and if I knew what it was. I told her that I did not, and I let her know that I did not want any more calls at work. 

Conserve called me the third time, this morning ( XX/XX/18 ) at XXXX. I immediately told the caller that I had asked for my work number to be removed from their list. She indicated that the previous callers must have forgotten to indicate that in my file. I asked, again, for them to call me after work on my personal number. She told me that they had just tried to call my personal number ( while I'm at work ) and didn't get an answer, so they called my work number again. I asked if she could assure me that I wouldn't get any more calls at work, and she said 'it should work. '

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Demand statutory compensation of {$1000.00} and deletion of XXXX bankruptcy accounts on my consumer report file. Experian has violated 15usc1681c2 Information resulting from identity theft Consumer agency shall block any alleged information from identity theft within 4 businesses days Experian has failed to do so therefore I am requesting statutory compensation of {$1000.00} and deletion of XXXX bankruptcy accounts on my consumer report 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 2023-07-01
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: Their investigation did not fix an error on your report

Complaint:
I'M A VICTIM OF IDENTITY THEFT. THIS IS MY " 3RD '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Equifax and XXXX is breaking the law according to FCRA section 623 ( a ) ( 5 ) and I need my inquiries removed as soon as possible please. FYI XXXX delete it the same inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I thought I bought concert tickets using Zelle through XXXX XXXX. I sent XXXX dollars via zelle to the seller and was asked to send more money. Therefore, I knew it was a scam. I did not receive the tickets or a refund from the seller. Capital one has opened a case for me but says it is unlikely I will get the money back since I authorized the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: PA
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 went to some car dealerships and my credit was ran more times than I authorized. I would like to have them removed. 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 non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : DEPT OF EDXXXXXXXX  Account number : XXXX Account name : XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX  XXXX Account number : XXXX Account name : XXXX  XXXX Account number : XXXX Account name : XXXXXXXX XXXX, XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: AL
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 recently seen some inaccurate and incomplete information on my credit report from the CRA 's ( XXXX, XXXX, and experian ). I sent them dispute letters on XXXX XXXX, requesting documentation and the validity of the alleged debts, 15 USC 1681 and have not yet received anything. 
XXXX certified # 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 2018-07-27
Company: EQUIFAX, INC.
State: IN
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:
They have continued to violate my consumer rights even after the multiple attempts to inform them of the fact. At this point it is consider willful defamation and I am sending a NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 

According to the 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. 

Despite three written requests, the unverified items remained on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following account be deleted immediately : Bankruptcy. 


Enclosed you will find a letter from the United States Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2020, I sent a letter to RMP requesting information under the Texas Finance Code. I sent the letter by certified mail. In this letter I informed them that they were to contact me by United States Postal Service. RMP acknowledged receipt of the letter on XX/XX/2020. On XX/XX/2020, RMP replied to my request, but only under the Fair Debt Collection Practice Act. Since XX/XX/2020 I have received 5 telephone calls. 

Also, when RMP sent me their response they included actual copies of the medical statements which included the CPT4 Codes. RMP has violated my HIPPA rights by having this information. I have never given authorization for this company to have my medical information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-10-19
Company: Experian Information Solutions Inc.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-09-22
Company: Rocket Mortgage, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I requested a recast of my loan and a refund of my mortgage premium since I have paid down more than 20 % of my mortgage. I contacted Fha counselor and was told that " You ( I ) must meet/have met minimum principal reduction standards ''. If this is done Rocket Mortgage has a duty to recast. I was refused that right to have a recast. Fha referred me to this agency for remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, INC.
State: TN
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:
Equifax will not remove 2 collection accounts that do not belong to me. 

XXXX XXXX XXXX XXXX was reported on XX/XX/2021 of {$1900.00}. I contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They said they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX was reported on XX/XX/2021 of {$490.00}. I also contacted this creditor and they told me that this account does not belong to my name, social security number or birthdate. They also stated they do not know why this is showing on my credit report, I disputed this collection twice. Nothing has been removed. 

XXXX XXXX XXXX stated they would launch an investigation and the general manager XXXX XXXX XXXX XXXX extension XXXX ) told me that this account belonged to someone else and they reported that to equifax but nothing has changed! 

My credit score dropped, if I want to use my credit to purchase anything, my interest rate will increase due to open collection accounts that are not mine and I may even be denied for a loan because of equifaxs negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: AMERICAN EXPRESS COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
This company sent a American Express membership offer to my home address and I did not apply or seek out any information regarding American Express credit cards. The company sent a welcome offer to my home address for my XXXX called XXXX XXXX XXXX XXXX. They've mailed the request at least three to four times to get my attention with a terms and conditions attachment asking me to apply online with a RSVP CODE. After entering the approval code for credit by the due date the company sends a denial of credit.

Company response to consumer: Closed with explanation