BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX, XXXX XXXX Transunion have violated my federally protected consumer rights to privacy & confidentiality under 15 USC 1681.

According to the 15 U.S.C 1681 section 602 A, States that I have the right to privacy These addresses do not belong on my report : XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, MN XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2017-09-28
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was a regular user on Coinbase 's XXXX exchange for virtual currencies. One day while I was submitting orders their exchange had technical problems. My order was submitted and funds locked up, however, the order was never filled, and I was unable to cancel the order. Ever since my money has been unaccessible ( in any form ). 

I have tried reaching out to Coinbase over several medium including submitting a request ticker on their website and via email. I have received no response and my money has been inaccessible for days.
Coinbase has become notorious for their treatment of customers complaints. In fact users have had so much difficulty contacting Coinbase that scam artists took note. A successful recent scam was to pretend to be Coinbase technical support and create phone numbers and websites. Frustrated users who are unable to get in touch with Coinbase would inevitably resort to XXXX  for alternatives and unwittingly click or call one of the scammers.
I would be satisfied if my money was returned to me, however, I feel that action should be taken to force Coinbase to handle customer complaints. I am not asking for a miracle, even a basic response after a few days saying they are looking into the problem would be acceptable. 

Please do n't let this business continue to act in this manner. 1. They are abusing their customers and 2. They are opening up a window for scammer to take advantage of their customers. 

I would be happy to provide my account and contact information if it helps in this process,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX Account 's with Fed Loan, has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

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

15 USC 1666B states that a creditor may not treat a payment as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
I have submitted a credit card application for an additional CapitalOne credit card as an existing card holder with CapitalOne. After submitting an application, I have had to contact CapitalOne seven times to get information on why the application was not approved. They declined requesting more documentation. I submitted social security card, and Drivers License. They denied the application again for insufficient documentation and request bank statements, XXXX XXXXs, and proof of residence. After submitting this documentation they asked for me to wait two weeks for approval. I followed up two weeks later where CapitalOne made another mistake and did n't combine the documentation into the correct file. After resubmitting the documentation for a third time I was told that it would be approved after processing. After not receiving my credit card for a month I contacted CapitalOne two more times to discover that my application was declined again and archived. Now CapitalOne is stating that they need to hit my credit again in order to resubmit my application in order to get a credit card that I was told I would be approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, 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:
Tried multiple times to have a consumer statement deleted on my Equifax consumer report. I have disputed ( requested for statement to be deleted ) several time via the automated system on MyEquifax and I have also spoken with several representatives however the consumer statement still exists. I have tried to get this consumer statement deleted since XXXX of 2019 however my attempts have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: ALLY FINANCIAL INC.
State: SD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Called the company on XX/XX/XXXX to get an extension on the loan, was told everything would go through just fine, submitted the request to continue with no payment. Received a call that it was denied because we had yet to make six payments. Called company back XX/XX/XXXX to see what was going on. Said that we had yet to make six payments so we were unable to receive extension, did inform the agent spoken to that we had made six payments and that was confirmed by the previous agent. Said that with the payment that was recently made we were at six payments, tried to schedule another extension, once again being told that we can do that without having to pay XXXX to continue with the extension, was told that I would receive a call when that was approved. Waited until XX/XX/XXXX and still received no call. I called company to get the updates on the extension and was told it was denied yet again because of not making six payments, informed the agent spoken to that I was told that was not the case. Asked to speak to a supervisor was on hold for over 7 minutes and never transferred to supervisor, instead I was hung up on. I called back right away and talked to a gentlemen representative and was told that we could process that request and we could only do it with a payment. Had I been told that from the beginning I would have just made the payment to get this going. I do not believe I should be told inaccurate information more than three times.

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 2017-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed TransUnion disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

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 2022-04-28
Company: Paypal Holdings, Inc
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, a friend wanted to send me {$180.00} via VENMO, I had just set up an account roughly a day or so before that, I followed the steps per the app, listing my card information. However, after the money showed up in my " Wallet '' I was unable to transfer to my card. I called my cardholder they had no idea what could be the problem, but suggested I do it as a bank transfer. So I added the bank routing information and the account number and was told I would see two transfers on XX/XX/XXXX. On XX/XX/XXXX two pending items showed for XXXX amounts, I tried entering those amounts but the system wouldn't take them. I tried requesting help, ultimately I called. Finally, on XX/XX/XXXX a XXXX and a XXXX transfer occurred I went back into the system and verified my bank account. I received an email XX/XX/XXXX, that confirmed my bank verification. I again attempted to transfer my funds only to then receive a request dated that day for a Photo ID, along with a statement the account was frozen. I followed the email instructions on the very next day, Monday XX/XX/XXXX, I then called to make sure allowing for time to confirm, that the did in fact receive it, as they use a link service to have you send it. I was told nope, I would need to resend. So I again resent my id, only this time I screenshot the link page verifying they received the communication. Now mind you I was told my case was being expedited previously. I called back on the XXXX, and was told to give it 6-7 days for the " account specialist '' to review. I received a request for Customer Service Surveys, which I filled out honestly, a statement of activity for a timeframe prior to my account existing, I logged in a few times to see if it was resolved to no avail. On XX/XX/XXXX I once again called to be told to " give it one more day '', I asked several questions as to exactly what happens if nothing happens, which basically is what Venmo 's Customer Service is a glorified can't do much dept. And then bang at XXXX on the XXXX ( XXXX minutes after you can no longer call ) I received and email stating my account has been permanently terminated for reasons only they know, because I somehow violated the user agreement, thank you XXXX XXXX No here is how to request your funds, here is what to do NOTHING! I only found this by locating a TV station that had tried to help others in my situation. I have all my emails and screenshots, I live on social security as I am a XXXX old, retired XXXX ( I have XXXX as well as XXXX, and other health complications ) person living on minimal income the funds in question represent 10 % of my monthly income, I would appreciate help in resolving this matter... I can be reached at XXXX. Thanking you in advance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I have attempted numerous times to add a credit card account that I am on to both XXXX and Experian. It is very important as it is an older account and one that will update my utilization ratio tremendously. 
Currently only XXXX has it correctly listed and as a consumer the FCRA gives me the right to have any credit information and accounts that I am currently listed on. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I BEEN labeled a high risk factor that is far the truth just because I had something happen sometime back with other bank dont mean I m being foolish again. I was ask if I was too send the money and I answer, yes some of it. 
But I wasn't ask would I send it. and the answer is to XXXX no. And this is what I fighting right now. it nit the money as far as I know that check may be as they say. now why is it in my account clean. I can't answer everything and I can't answer anything with out this bank thinking something wrong, right at start I was flag as bad.and sense when is a printed check counterfeit when business account the country print there own checks. To put it planing you just think I doing bad this. but I m not. I want the world to know how this bank is treated and how tis bank is steeling my money. the check was posited and accepted and cleared. but the bank flag my account before I even of the deposit so at time when the guess I was just as XXXX they are and I didnt know anything. That check is fine and the money is mine and I cakllling this bank out to correct this problem. they can t not use my past assume anything. I m not going to set here and let them XXXX ball my name I want cleared and the money release. it is mine like it or not. its all part of step that must happen in collecting this inheritance. I know I dont believe it myself, but it happening. its financial institute the check from come on. but like you I dint know fully what going on. but I know I m not helping or part something that is illegal. This is all I need ti say and I asking this bank to stop the allegation there holding me on. This is about who I am and I hAPPY ABOUT fast you conceived me with me knowing what happen. there in the wrong and I m calling them out on this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
There are three old accounts that are not supposed to be reporting on my credit. In XXXX, I was laid off and unemployed for several months. I notified my creditors accordingly and while they still reported me delinquent on my credit, they agreed to work with me in the future once I paid back my debt. Only until recently in XXXX this year, I was finally able to pay off my accounts in full. Since I communicated my situation with my creditors for months, three of my creditors ( XXXX, XXXX and XXXX XXXX ) all agreed to request a deletion to the credit bureaus of my charged off accounts after I made my payments. The account number for XXXX is XXXX. The account number for XXXX is XXXX. The account number for XXXX XXXX is XXXX. Three months later, it is now XXXX XXXX and this credit bureau still has not honored my creditors ' request to delete these three accounts from my report. I have disputed this delay with the bureau but they are responding back only stating that the accounts have been verified. That is not even my dispute. I know these were previously my accounts. I am disputing the fact that my creditor sent a deletion request and the credit bureau has not made any changes to my credit. Just to be sure I 'm not being given the runaround, I called all three companies, XXXX, XXXX and XXXX XXXX this week and they confirmed to me they already made the request for deletion to the credit bureau in XXXX. This is clearly a problem and this is why I am filing this complaint.

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 2020-04-23
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 belongs to someone else

Complaint:
APPEARING ON MY EQUIFAX CREDIT REPORT, XXXX XXXX, IS being wrongfully reported as the result of a 20 dollar billing dispute with XXXX.My credit history is destroyed by this single item.XXXX in addition, balance chased and charged fees that were illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: LA
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:
In accordance with the fair credit reporting act XXXX Acct # XXXX, has violated my rights 15 USC 1681 section 602 states i have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
My fiance and i purchased a used vehicle from XXXX XXXX back in XX/XX/XXXX for about XXXX. We went to the dealership on numerous occasions in attempts to get our plates and care registered this was included in our retail installment contract. Every time they just gave us more temp plates. We then discovered the dealership was laundering money and went out of business. WE contacted out lender who is BBVA and they instructed us to file complaint with DMV. WE did that and it was completed around XXXX but still nothing was done the DMV told us to reach out to BBVA. I have contacted BBVA about 10 times since XXXX of XXXX trying to get the year long issue resolved and they just give me the run around. I have spoken to managers and lower level employee who all tell me they will open a ticket and call me back but never call me bacfk and ticket is closed before it is resolved. One customer service rep told meon XX/XX/XXXX that they basically could not do anything BBVA was not at fault and that i should get a lawyer and sue the dealership that is not longer in business. I have been making payments on this vehicle for over a year and they do not have a legal binding title and refuse to help me get the title from previous lender of vehicle so i can register my vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-09-28
Company: Early Warning Services, LLC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My tenant sent me the rent via ACH using his XXXX XXXX account using ClearXChange. I got an email that I am receiving this money and i clicked on that. Just to check the status - i logged into the account. It had my XXXX XXXX checking account. But then ClearXChange asked me to switch to XXXX ( their so called easier and faster platform ). There were no documentation in terms of the consequences of doing this. 
When i did that - i come to know that XXXX is only mobile based app - it 's not something that can be done via computer browser ... it 's strict no no for me. Worst thing - it cancelled my ClearXChange profile and cancelled my incoming transfer. 

Out of frustration - i called the toll free # at around XXXX XXXX central time and happen to talk to XXXX and XXXX ( supervisor ) about it. But talking to them was the most hopeless thing in the whole world. 

Few questions : 1 ) Why in the world they are forcing customers to switch to the new platform?
2 ) Ok, you can ask customers to switch to the new platform - but why you are cancelling their existing money transfers?
3 ) With the platform change - their IT or operations should have done the heavy lifting task to migrate the customer profiles and money transfers rather than passing the entire burden to the customers to do that. Moreover they negatively impacted all the customers. 

This is plain simple ridiculous. Customer service seems to be operating from XXXX and does n't even know how to deal with customers in this kind of situation. They are taking customers for granted.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-22
Company: Williams & Rivera Litigation Group LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I have instructed Williams & Rivera LiTI to remove this debt from my credit report. they are still reporting this on my credit as debt even after I have filed chapter XXXX and its been discharge. the vehicle has been included in my BK for XXXX XXXX for a XXXX  XXXX. its listed on my credit report that I owe {$8400.00}. XXXX XXXX is also on my credit report separately to William & Rivera LITI company so its reflecting 2 times on my credit report for the same debt.

Company response to consumer: Closed with explanation