BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
No response from each credit bureau, for my disputes

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 2021-03-25
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/2021 an unauthorized access to my coinbase account occurred. I only discovered it when I was notified that a transfer from my bank account in the amount of {$28000.00} had been initiated. ( I received an email to that effect ). The unauthorized access was a result of a FAILURE IN COINBASES SECURITY AS THE REQUEST FOR XXXX AUTHENTICATION CODE WAS NEVER RECEIVED NOR WAS THE EMAIL ASKING ME TO AUTHORIZE ACCESS TO A DEVICE. 
Once I became aware of the unauthorized access I logged into my account and discovered an illegal attempt was made to transfer {$28000.00} from my linked bank account. I also discovered a XXXX account added to my account that was not mine ( I do not use XXXX  ). I deleted the fraudulent XXXX account, and immediately. I notified coinbase following their instructions to disable my account and reported the fraudulent attempted transactions. 
I then contacted my bank and instructed them NOT to honor the fraudulent attempt to transfer funds. 
I was successful in preventing the fraudulent transfer, and received acknowledgement from coinbase that my account has successfully been disabled and NO FURTHER ACTIVITY WOULD BE ALLOWED. 
The following day the request for {$28000.00} arrived at my bank and was refused on my instructions. Clearly coinbase did not stop the activity even after the account was disabled. 
Shortly thereafter I received a notice from coinbase demanding that I fund {$28000.00} fraudulent transfer and if I did not provide the funds within 10 days, coinbase would sell my assets. 
I responded by explaining the breach once again, however my response was ignored and onXX/XX/2021 coinbase sold my remaining assets and in fact continues to demand I fund the fraudulent attempted transfer. 
I am unable to speak with anyone at coinbase and in fact there is no way to communicate with anyone at coinbase. All attempts to contact them have resulted in automated responses that do not address the issue. 
Further investigation by me concluded there were no viruses on my machine nor was my phone every out of my possession, so clearly the breach of my account was due to a FAILURE IN COINBASES SECURITY. 
What steps can I take to correct this issue and regain the assets that coinbase took from me illegally?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/2020, XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, SANTANDER CONSUMER USA add a hard inquiry on my credit report per XXXX. 
On, XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: GVA Holdings, LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for the payday loan on XX/XX/XXXX for the amount of {$600.00}. The {$600.00} was deposited into my account on XX/XX/XXXX. I have been charged {$180.00} every two weeks beginning XX/XX/XXXX. I called today, XX/XX/XXXX to pay off my loan only to be told that amount owed would be {$720.00}. I explained that I have been paying the {$180.00} every two weeks and I'm paying off this loan two months after receiving it, there should be no way that in order to pay it off I would have to pay {$120.00} over the amount I initially borrowed after paying the {$180.00} since XX/XX/XXXX every two weeks. I explained this is almost illegal and that I would be reporting them. They sent me an email stating that because it is a tribal loan that they have a right and I signed off it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: Waterfall Revenue Group
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I asked his company to verify the debt and in return received no proof to do so. The company does not have my correct information to and only has my address from my dispute to verify this debt. This is not proper verification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: Experian Information Solutions Inc.
State: WI
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:
When I started service with XXXX XXXX on XX/XX/2019, the sale associate told me that when they check my credit score that it shows up as a soft inquiry. After XXXX XXXX did the " soft pull '' it shows up on all 3 credit bureaus as a hard inquiry which lowered my credit score. I talked with 2 other associates, one in person at a store location and another thru XXXX XXXX  online chat on XX/XX/2019 that I took a screenshot of the person named XXXX that I was chatting with that confirms that the company tells potential customers that it is a soft inquiry and not a hard inquiry. He specifically says that " we are all told its a soft inquiry ''. I tried disputing it with the credit bureaus but they said that they dont handle hard inquiry disputes that I have to contact the company that did the hard pull. I contacted XXXX XXXX   and they stated that I gave them permission to check my credit report so they dont have to change or do anything about it. XXXX XXXX is lying to potential customers about the soft/hard inquiry. I applied thinking that it was gon na be a soft inquiry, otherwise I wouldnt of applied for service. I opened up services under false pretenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Made 3 separate purchases in XX/XX/2019, totaling ~ $XXXX.  Never received a statement to my home or email.  I received an alert from XXXX XXXX on XX/XX/19 that my credit score dropped by 124 points.  I went through XXXX   XXXX to determine the potential issue as I was stunned by the news (my credit was great previously and has been).  I found a note that said 60 day collection Best Buy.  I logged into my Best Buy account and was surprised to see charges stemming from XXXX  when late fees of $XXXX/month + interest $XXXX.  I called immediately and told them I was surprised by all of this as I have not received any statements to my email or to my home indicating there was a balance or any late fees.  They told me they emailed me but it could have gone to a junk folder.  This is not acceptable.  The $XXXX is meaningless to me in terms of dollar amount and could have been easily paid.  This is a predatory action that is ridiculous as I cancelled the card while on the phone.

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 2021-04-29
Company: Premium Credit Bureau
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:
I receipt an alert for a new inquiry whit the date XX/XX/2021 and the name premium credit bureau and my credit on XXXX go downXXXX  and I dont recognize this, that was no me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M HAVING SERIOUS PROBLEMS WITH THE CREDIT BUREAUS NOT PROCESSING MY DISPUTES FOR ACCOUNTS RELATED TO MY IDENTITY THEFT CASE.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX Account number XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX  XXXX Account number : XXXX, XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX Account number : XXXX xxxxxxxxxx, XXXX XXXXXXXX XXXX Account XXXX : XXXXXXXX XXXX  Account number : XXXX, XXXX XXXX XXXX XXXX account XXXX 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 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

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 2018-02-26
Company: Capital Accounts, LLC
State: OH
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:
ON XX/XX/2018 AN ACCOUNT REPRESENTATIVE BY THE NAME OF XXXX XXXX CALLED MY PHONE AROUND XXXX. MY XXXX YEAR OLD DAUGHTER ANSWERES THE PHONE ANS THE REPRESENTATIVE QUESTIONED MY DAUGHTER REGARDING MY ADDRESS. MY DAUGHTER TOLD HER SHE DIDNT KNOW THE ADDRESS AND SHE THEN ASKED MY DAUGHTER HOW DO YOU NOT KNOW YOUR ADDRESS. SHE ALSO ASKED HER SEVERAL TIMES WHERE WAS I AFTER MY DAUGHTER TOLD HET I WAS UNABLE TO COME TO THE PHONE. DURING A PREVIOUS CALL FROM THIS COMPANY, I TOLD THEM I DISPUTED THE DEBT AND ASKED THEM IF THEY COULD SEND ME ACCOUNT VALIDATION PER THE FCRA 1692 SECTION B, WHICH I NEVER RECEIVED. THIS REPRESENTATIVE CONTINUED TO CALL AND QUESTION MY DAUGHTER WITHOUT SENDING ME VALIDATION AS I REQUESTED, WHICH THEY ARE REQUIRED TO DO BY LAW. I AM SEEKING LEGAL REPRESENTATION IN THIS MATTER

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-29
Company: EQUIFAX, 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 belongs to someone else

Complaint:
I have made many attempts to dispute the following accounts on my credit file ; these account do not belong to me. This is a case of stolen identity. I have asked Both XXXX XXXXXXXX XXXX and XXXX to send me proof that I opened this account. I have not received this proof. Perhaps you can get them to send you the proof. I have submitted them with an affidavit of fraud and I am including a copy of this affidavit. 

These are not my accounts : XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$4000.00} XXXX XXXX XXXX - Opened - XX/XX/XXXX ; Balance {$2500.00} XXXX - XXXX ; Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Aldous & Associates, PLLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I looked on my credit report and noticed that there is alleged debt that hasn't been validated placed on my credit report. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation of the FDCPA laws. I have attached documents in hope to get this issue resolved or I will be seeking litigation. Pursuant to 15 USC 1692G As the original credit only i can validate this alleged debt and i do not validate this debt. Sending deceptive forms such as billing statements or contracts is not a form of validation. Please remove this alleged debt from my consumer reports or else i will sue and seek remedy for all the violations and emotional distress that you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-26
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received an offer from Wells Fargo Bank for a {$500.00} bonus for opening a checking account. I opened the checking account on XX/XX/XXXX. I opened the account at the Main Branch in XXXX TN. 

The requirements were to deposit {$2000.00} within 60 days of opening the account. I had deposited over {$2000.00} by XX/XX/XXXX. 

On XX/XX/XXXX, I called customer service to inquire about the bonus. I spoke with XXXX. He informed me to visit the branch I opened the account with. On XX/XX/XXXX, I went into the branch and spoke with XXXX. She informed me that the promo code was not applied to my account and would be credited by XX/XX/XXXX. I waited until XX/XX/XXXX, and when I inquired about the bonus I was told that there was a system error and it would be resolved by XX/XX/XXXX. On XX/XX/XXXX, I inquired and I was told the money would be credited to my account by XX/XX/XXXX. 


It is now XX/XX/XXXX and I have not received any credit. Wells Fargo acknowledges I am entitled to the bonus, but they keep delaying it further and further. When I inquired about it today, I was told to wait until XX/XX/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 monetary relief
Consumer complaint received 2021-09-21
Company: Possible Financial 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: Investigation took more than 30 days

Complaint:
I have requested that some accounts on my consumer report be investigated. I sent letters to the three major credit reporting agencies requesting these accounts be investigated and the investigation took well over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am filing a complaint due to Transunion reporting unauthorized credit inquiries on my report. I have uploaded supporting documents stating that I did in fact have a fraud alert on my my acct starting XX/XX/XXXX which would last 90 days and after the 90 days I have always added the fraud alert back onto my account my latest fraud alert ended XX/XX/XXXX and once a fraud alert is placed on my acct the CRAs that added the fraud alert are to notify the other CRAs to apply a fraud alert as well and they are to notify me anytime my credit is being run. I have disputed these inquiries by phone, online and by mail and you all have constantly denied to. I am suppose to be contacted every time someone runs my credit but I wasn't. I didn't authorize these inquiries, therefore my consumer rights were violated. Pursuant to  1681c-1, before establishing an account in the name of a consumer with an fraud alert on file, a creditor must contact the individual to confirm that the application for credit is not the result of identity theft. If the fraud alert contains a contact number, the creditor must either contact the consumer directly or take reasonable steps to verify the consumers identity before opening a credit account in the consumers name. I was never notified. I am demanding that the following unauthorized credit inquiries are removed from my credit report you all did in fact violate my consumer rights. Remove the following accounts and I would like a updated credit report within 30 days of these changes that will be made. >>XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX  XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/XXXX XXXX inquiry from XX/XX/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 2020-05-15
Company: XOOM CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX at XXXX XXXX  XXXX, I transferred {$1000.00} US dollars ( USD ) which equates to XXXX XXXX Rupees ( INR ) through a service called Xoom, a XXXX service. This transaction was supposed to occur between my XXXX XXXX account to my XXXX XXXX XXXX account ( the recipient account ). I received a system generated message the same day from Xoom that informed me of a completed transaction and has been successful deposited. I had also received a confirmation number which would indicate a complete transaction. The problem now is that I still haven't received the transferred amount in my XXXX XXXX XXXX account and it's been 8 days since I received the message on XX/XX/XXXX confirming a successful transaction. To resolve this issue, we contacted Xoom but they didn't respond to any of our phone calls or emails. I then went through the Help Center and reported my issue on the contact form provided there. After that, I received another system generated message that said, '' We reviewed your transaction and can confirm the funds were paid out to the designated recipient. This closes our investigation ''. Please find an attached copy of the email down below as well. The next email I received was from Xoom requesting for a recipient bank statement from XXXX XXXX XXXX which would prove that the money has not been deposited ( this bank statement is also attached below ). Now my bank, the XXXX XXXX XXXX, is requesting the " XXXX TT copy '' from the merchant ( Xoom ). In case, if the Xoom sent money through XXXX transfer, kindly confirm the UTR reference number. This email is also attached below. Xoom hasn't provided any TT copy that XXXX XXXX has requested for investigation. So in conclusion, the money that was transferred from my XXXX XXXX account was never received by my XXXX XXXX XXXX account despite XXXX confirming this transaction. I've taken initiative by contacting XXXX by the number they provided ( XXXX ) and ( XXXX ) but an automated message informed that they're temporarily only helping customers through email as a result of the covid-19. So far, we haven't received any response from Xoom.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-17
Company: Army and Air Force Exchange Service
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off the account, AAFES which was assumed by XXXX XXXX XXXX. I contacted the XXXX XXXX in XX/XX/2020 for the balance of this account so I could pay it off in full. They told me the balance was {$3300.00}. By XXXX XXXX, 2020. I paid the entire balance off and was later informed that I overpaid by couple of dollars. I requested a refund and they never sent to me. I receive another bill charged for interest on an account that was paid off. The balance was {$2.00} but they only applied {$1.00}. Now the balance is XXXX cents. This company continuously defrauding me every month and refuse to show that the account is paid in full and close it.

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 2020-05-15
Company: Experian Information Solutions 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 applied for student loan assistance during the forest fires in California because i was affected. The loan program said they would give a 1 year of none payment assistance and that i qualified for this based on my zip code. For whatever reason the loan reported that i did not make any payments. This resulted in lowering my credit score. When i spoke to the credit reporting company they said they cant do anything about it. When i spoke to the student loan people they said it was a mistake but that they can not fix it with the credit reporting company and that i would need to do that on my own. Neither party wants to help in correcting this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-23
Company: Experian Information Solutions Inc.
State: AL
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:
Experian says I have not had any open accounts in 2 yrs that is a lie. Everytime I try to login it tells me my info is wrong. And when I try to apply for even a bad credit loan it will not go threw. My credit score according to them went from 5 something to XXXX be how. I am sick of this issue My social security number 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