BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I traveled with my boys from XXXX to XXXX XXXX for my son 's Soccer Tournament, on XX/XX/XXXX around XXXX XXXX  I realized my phone is not working, I Could not call out or receive any phone calls! Around XXXX XXXX  I took my phone to XXXX to see what the problem is, the person who was working at XXXX suggested replacing the sim-card to solve the issue which it did not, then she offered me a new phone and to pay the difference. Since I did have a new one in XXXX I decided to hold off and come to XXXX to replace the one I had at home, on Monday XX/XX/XXXX I replaced my phone and used the new sim card that she gave me. my phone was working after that. On Tuesday XX/XX/XXXX I checked my coinbase account with the app I had on my phone and I realized that almost the entire account was gone, the account was hacked on XX/XX/XXXX and all my currency were sold at that time. A week prior my coinbase account was worth almost {>= $1,000,000} I had only proximity {$1200.00} in it after. I called coinbase and after waiting almost 2 hours and 30 minutes I was able to get hold of someone and report the issue. I was told someone from Texas accessed my account! I locked my account and delink my bank account from coinbase and reported the incident to law enforcement such as the FBI, DOG, local police department, XXXX, and FTC! I was told by coinbase representative that after investigation, I should get a call from coinbase within seven days! Nothing yet! 
Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new car and home. 

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

Account name- XXXX XXXX XXXX XXXX  Account number- XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX XXXX Account XXXX XXXX Please remove it from my credit report. 

Account name- XXXX XXXX XXXX Account number- XXXX Please remove it from my credit report. 

LAWS NOT FOLLOWED- 15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-23
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Fact, XXXX is aware and has proof in attachment labeled as Exhibit A that XXXX is in Violation of 15 U.S Code 1681 N ( B ) 15 U.S Code 1681 A ( 4 ) 15 U.S Code 1681 A ( E ) 15 U.S Code 1681 A ( G ) Fact, Affiant is aware and has proof in attachment labelled Exhibit A that Equifax is in violation of ( 1 ) Federally PROTECTED CONSUMER RIGHTS bill willfully and knowingly, So they are civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: CREDIT ACCEPTANCE CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting completely incorrect. I had the opportunity to talk to several lawmakers and friends, and learned some basic laws in regards to voluntary or repossession of a vehicle. Under the laws of MASS and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. PLEASE HAVE THEM IMMEDIATELY REMOVE

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 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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/19 I received a call from CapitalOne credit card advising me of charges being made to my account from XXXX XXXX XXXX XXXX. XXXX GA XXXX in the amount of {$420.00}, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX GA XXXX in the amount of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. In the amount of {$1500.00}. 

After informing CapitalOne we did not make the charges they removed them on XX/XX/19. 
However, after further investigation I was inform since these were not made on line. I am responsible. My attorney XXXX XXXX wrote them and I have filed a police report and still they say I'm responsible and they are done with their investigations.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-15
Company: BARCLAYS BANK DELAWARE
State: PA
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 am writing about a credit card charge that I disputed to Barclaycard and was denied. The case number for Barclaycard is # XXXX. The Transaction date of Saturday, XX/XX/XXXX and Post Date of Monday, XX/XX/XXXX. The charge is listed as XXXX XXXX in the amount of {$3300.00}. 

This reserved a XXXX for XX/XX/XXXX-XX/XX/2020 in XXXX, XXXX. Due to the COVID-19 crisis, my flight was canceled and travel is not practical. On XX/XX/2020, I attempted to cancel the reservation and subsequently called and pleaded with them for any opportunity. In the original dispute, I outlined my many attempts to receive a refund or even credit for the transaction. Their own policy states that customers should receive a refund or credit for a future stay. However, XXXX did not hold up their end of the contract to render services based on the money that I paid. XXXX did eventually offer me a very small refund of service fees and a portion of the host charge, which are the refunds in my account ( {$240.00}, {$230.00}, {$0.00} ). However, XXXX allowed the property to become unlisted and converted into a rental, violating their own terms and rendering no recourse for me as a customer that put down thousands of dollars. This is a clear example of service not rendered. 

Therefore, I tried to dispute the remaining charge of {$2800.00}. In light of the crisis and the fact that I am not even able to use the money towards a future credit by XXXX or the property managers actions of removing the listing, it is only fair that the money be returned to me. 

Unfortunately, Barclaycard denied by the dispute, despite the fact that the property owner broke their contract with XXXX and I was not offered any services.

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 2020-07-15
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Ive called every number I can find for Equifax today and yesterday, XX/XX/XXXX and XX/XX/2020 and I have accessed their online services however am unable to unfreeze my credit. The only number I have that leads to a live person results in them telling me I did something wrong, they cant help me or a transfer to the same rotary system that I just told them doesnt work. The automated system seems to work but at the end Im told they can not process my request. I stay on after pressing 6 to get to a live agent and after a couple of minutes of dead air I get a survey asking me about my experience with the agent I never had the opportunity to speak with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-15
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
I have two accounts showing in collections with a zero balance that are affecting my credit score. These are not valid accounts. I have tried to file a dispute to have them removed and I have tried speaking to a customer service rep as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Detailed below, but the summary is that Coinbase sent me an email falsely stating a transaction had been cancelled when it hadn't been, which resulted in me incurring fees that I otherwise could have avoided, not to mention a fair amount of stress. Here 's what happened : On XX/XX/2020 I submitted a trade request to Coinbase to purchase bitcoin by funding with an ACH transfer from my bank. Due to an account number issue with the bank, the ACH transfer failed. On XX/XX/XXXX, I received an email from Coinbase saying the bitcoin purchase transaction had been cancelled. 

The following day I logged in to coinbase and discovered the website reported that the bitcoin purchase had not in fact been cancelled, I owed USD funds to cover the bitcoin purchase and that a 5-day clock had started ticking on the XXXX for me to resolve the missing USD funds or else my other currency possesions would be liquidated. I subsequently tried to contact Coinbase but was unable to get anyone to help me resolve the issue. I eventually had to wire funds into Coinbase rather than ACH because the clock didn't leave enough time left. 

Their customer service was terrible and I was never able to get anyone to identify what the problem was nor any indication from anyone that they would try to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXXI send money from one account of my to another on the attached documents it says it was sent I never receive it I called they transfer me to a fraudulent department to answer some questions where the money came from and where it was going XXXX questions that I I answer that was really none of their business then they said we are going to release the funds then all on a sudden the system crashes and I would have to wait 48 hours so I called Monday they I have to wait another 48 hours Wednesday same thing Friday same thing Same thing I called this Sunday they said 24 hours when I call tomorrow it will be the same I put a complaint in with my bank, XXXX, and the the two companies they have on the bottom of this attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-15
Company: Experian Information Solutions Inc.
State: CT
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 below mentioned accounts all have numerous discrepancies across various reporting credit bureaus AND VIOLATED MY RIGHTS : XXXX XXXX ( Installment ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX ( Revolving ) - XXXX - Inaccurate dates XXXX XXXXXXXX XXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates XXXX XXXX XXXXXXXX ( Revolving ) - XXXX ( no number ) - Inaccurate dates My rights were violated based upon : 15 U.S.C 1681 section 602A. States I have a right to privacy.

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

I have contacted all 3 reporting agencies that I did not provide written consent and need them above removed immediately. I would ask the CFPB to enforce the removal directly should they not in a timely manner.

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 2022-08-12
Company: EQUIFAX, INC.
State: GA
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 XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXXXXXX XXXX  - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX ACCOUNT # XXXXXXXX XXXX XXXX XXXX ACCOUNT # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
my identity was stolen i want this to be remove from credit report thank you Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX CHECK DISPUTE STATUS Creditor Information CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 2020-07-15
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had my account on auto draft for 71 payments. I did not know that the 72nd payment needed to be sent in by check. I received 0 calls, texts, emails, or mail about my last payment being late. I found out through my credit reporting. This showed me as being 30 days late on my last payment. I have 20 years of never missing a payment and now it is ruined. I disputed this and the company would not remedy the problem and left the late charge on my credit report. How am I supposed to remember that the late payment 6 years later was supposed to be by check?!?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
XX/XX/2022 {$1600.00} XXXX XXXX XXXX " XXXX '' LATE PAYMENT I CAN SEE THAT YOU ARE REPORTING SOME LATE PAYMENTS ON MY CREDIT REPORT, THESE LATE PATMENTS ARE REPORTING INACCUTATELY, I WOULD LIKE TO SEE YOU UPDATE THEM TO BE POSITIVE, UNLESS YOU CAN PROVE THAT THERE ARE FACTUALLY LATE, I LIKE TO SEE YOU REVERSE THESE AND UPDATE THEM TO BE POSITIVE BECAUSE THEY ARE REPORTING INACCURATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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:
Last week I noticed that For the last 9 months I have been getting a fees for XXXX dollars every month. I have had a scheduled {$100.00} payment set for the XXXX of the month for that whole time. I called Bank of America and told them I felt like these fees were frivolous as the account was set for automatic payments and they said because the month closes on the XXXX a payment on the XXXX is late. But I set up the automatic payments on their website specifically so I wouldnt have to worry about late payments. I had not received any alerts saying I have been hit with a fee. I called today and they will only refund 2 of the fees.

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 monetary relief
Consumer complaint received 2021-09-15
Company: Continental Credit Control
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:
My name is XXXX XXXX. It has been brought to my attention that XXXX XXXX reporting inaccurate information concerning accounts listed on my consumer report. Therefore it shows inconsistency with who I am and who you portray me to be. I'm appalled and offended that you had left me with no other option but to report this behavior and offense to the Attorney General Office, The Courthouse Clerk to litigation, FTC and the XXXX. Cc I have filed a report at the Attorney General Office for fraud due to the fact of not having any written consent to furnish such information. I have no knowledge of the account or information that is on my consumer report. I am enforcing 5 calendar days for this to be resolve without any EOSCAR. I do not consent to EOSCAR. I repeat if this matter isn't resolve I will seek litigation at my county courthouse as I have been given instructions by the Attorney General to move forward and file a lawsuit. XXXX XXXX {$1300.00} XXXX. XXXX XXXX XXXX {$430.00} XXXX. XXXX XXXX  & O

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an account with Citibank on XX/XX/XXXX because I wanted a bigger name bank for my SBA loan advance. The account was opened and the advance was deposited fine on XX/XX/XXXX. On XX/XX/XXXX my account was closed and flagged fraud with no notice, no verifications, and I had just gone into a branch earlier that day to get a copy of my card. Now my funds are being held and nobody will tell me the reason for my account closure. I have called numerous times, to no avail. There were no fraud transactions on my account and Id like access to my money because that was all I 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 2020-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 pulled my credit report to work on and clean up my credit and I noticed inquiries that were on my report that I didnt authorize. I contacted TransUnion credit bureau and I told them that I would like these items removed off of my credit report, they then told me that I had to call each company to have them send a letter for deletion. I had to XXXX the numbers based off the name of the company found on my credit report i called each company and they couldnt find a record of my name or anything because I didnt have an account with them. I called transunion back to let them know that and they still said they couldnt delete the inquiries. Some of these inquiries were for the same name on the same dates. Duplicates. 
1. XXXX  XXXX  Date of inquiry : XX/XX/2019 2. XXXX XXXX Date of inquiry : XX/XX/2019 3. XXXX  XXXX Date of inquiry : XX/XX/2019 4. XXXX Date of inquiry : XX/XX/2019 5. XXXX XXXX  date of inquiry : XX/XX/2019 6. XXXX Date of inquiry : XX/XX/2019 7. XXXX  XXXX  Date of inquiry : XX/XX/2019 8. XXXX  Date of inquiry : XX/XX/2019 9. XXXX  Date of inquiry : XX/XX/2019 10.XXXX  XXXX  Date of inquiry : XX/XX/2019

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