BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-24
Company: Coinbase, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX and XX/XX/XXXX I bought {$700.00} of Bitcoin using the coinbase app. A {$100.00} and a {$600.00} transaction.

They double charged my checking account resulting in a {$1400.00} charge. When their customer service finally responded to me they told me to file a dispute with my bank. I did. My bank gave me the {$700.00} back, leaving me with my initial {$700.00} still left in Bitcoin. Everything was well.

On XX/XX/XXXX and XX/XX/XXXX, coinbase took {$700.00} worth of Bitcoin from my account and sent it to themselves. 

I have been trying to reach them ever since so that I could get my money back. The remainder of my initial investment is still in Bitcoin and I would like to withdraw now. One issue is that {$700.00} they took is now worth over {$1000.00}. They took XXXX worth of Bitcoin from me for no reason and I need that money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting 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 a victim of identity theft. These items are not transactions conducted by me as a consumer. 
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 2021-05-04
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX XXXX Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXX/XX/XXXX TRUST on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX SERVICES on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. US  SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX  XXXX CRED on XX/XX/XXXX ( Reported Identity Theft ) 6. FXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. DEPT OF ED on XX/XX/XXXX XXXX Reported Identity Theft ) 10. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I opened up a Citi Bank account online. At that time I was provided my account number to both my checking and savings account. I was able to make an online account with that information. My landlord needed me to XXXX over some money for the months rent and it gave me an error message of access blocked I called the Citi Bank customer service line and was promised to get a call back by the end of the day. Never got a call back. Called again the next day and one rep told me incorrect information just to get me off the phone saying I had to wait on my card to even make an account and that the block was lifted. So I tried to make the transfer again and it gave me the same error message. I called once again and got the same answer about my account being under review and I will get a call within 24 hours. All in all, my funds are in a jam at this bank and there was no reason what so ever given to me about why my account is under review in the first place.

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 2023-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-28
Company: Genesis FS Card Services, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
XXXX application approved XXXX sent out XXXX XXXX  as a card was never received. 
XXXX states a card was mailed XXXX XXXX XXXX XXXX  as a card was never received. Asked them to cancel account and remove from credit report completely as the account was never opened and/or activated. She states the account will be shown on my credit report even though it was never activated. This should not happen. It was fraudulent on the companies behalf in doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 file a dispute on XX/XX/XXXX to dispute bankruptcy. They have not provided any info to me and ita been 30 days. I sent letter certified and notarized. Thier failure to respond to my inquiry in said amount of time is a failure on thier part and therefore the bankruptcy needs to be immediately deleted. This is unverified, innacurrate, and must now be deleted without further delay

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 2022-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I disputed the information numerous of times and still received misleading information. First I never gave written consent for my information be used incorrectly. Secondly the company stated they will remove/delete the misleading information but as of today the information is still reporting. Please remove the misleading information immediately. Thanks XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXXXXXX ) - ( 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 2022-02-02
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XXXX  ( formerly transferwise ) deactivated my account on XX/XX/XXXX with more than XXXX USD and as of today XX/XX/XXXX my money has not been delivered. More than 90 days - 3 months have passed and my money has still not been delivered to my XXXX account that I provided in the appeal. They sent me an email and told me that they paid me but it is a lie, the money has not arrived. The 60-business-day deadline for the due diligence that you talk about so much has already expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I called Transunion to dispute prior accounts. I have been doing this since the month of XX/XX/2018. During one of my recent calls I was notified that my personal information was incorrect when I always provided my first and last name. I provided my social security number but the credit name was wrongfully updated on the credit report. My legal name is XXXX XXXX. On the credit report it was XXXX XXXX. During my last phone call of disputed with Transunion, I was advised to send a letter as to the reason why I wanted my personal information updated along with a copy of my license and so forth. Unfortunately, I do not have the convenient time to do so and it was not a mistake on my end. This was an inaccuracy from the credit bureau itself and my personal information should be updated because they have the system to do so. Now my credit report and information is all wrong due to their mistake of my personal name.

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 2021-03-27
Company: EQUIFAX, INC.
State: MD
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 have found a couple of inquiries on my credit report that I do not recognize, never authorized. I have sent multiple letters to Equifax about it but nothing has been done. It is EQUIFAX responsibility to ensure that creditors demonstrate clear permissible purpose in accordance with the Fair Credit Reporting Act before releasing a consumer 's credit report. I have never authorized those inquiries and I don't even know those companies and don't have an account with them. Remove immediately those inquiries!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$25000.00} XXXX XXXX XX/XX/2023

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 2022-12-28
Company: EQUIFAX, INC.
State: IL
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX Car inquiries I went into the dealership with a pre approval from XXXX XXXX XXXX, the Make that was helping I gave the pre approval and stated this is the only company I would like my credit pulled from since I already had an approval. XXXX and his boss assured me that they would only pull from XXXX XXXXXXXX XXXX but when left I started to get a bunch of inquiries. I did not authorize XXXX to pull my credit from all the companies they pulled from. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have a Barclays AAdvantage Mastercard. Their Mastercard ID Check system rejects online purchases I try to make with the card. I have spoken to more than a dozen employees at customer service and security, and nobody can fix the problem. I have a different Barlcay 's Mastercard that I've had to use, so I know that it is not a problem with the multiple vendors I've made purchases from. There is nobody at Barclay 's who seems to have the ability to solve the problem.

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 2023-06-21
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am on a payment plan per the settlement they sent me in the mail, the day o made my first payment they called and acted like they had no idea about the payment plan. Over the last XXXX weeks Ive received calls almost every single day with them trying to collect more money, XXXX tired of it. And when asked they act like they dont know a thing about anything.

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 2020-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Ive disputed the same account multiple times but to not avail. I disputed an account on XX/XX/2020 with XXXX XXXX XXXX XXXX. 
and never received any follow-up communication from the company to validate or further the investigation on my request. 

I called them yesterday XXXX XXXX XXXX ) because I settled a debt with the same original credit furnisher XXXX capital one ), not realizing that they were two separate accounts. They told me that the account was still in dispute status for {$900.00} dollars, and is still being reported to The CRAs as accurate information ( as of the XXXX of XXXX XXXX even though its in dispute status. 

I told the manager that, by law, they are required to make a determination within 30-45 days but is has been reported ( since XXXX, 2020 ) that the credit is accurate. They didnt do their due diligence and refuse to take any further actions. The lady even stated that they had 90 days to make a decision and they were giving me more time due to the pandemic, which is not upholding the law, but also not a circumstance I asked them to make.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Resurgent Capital Services L.P.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I do not know LVNV Funding is nor have I ever done business with them or been lent anything by this company for me to owe such debt, nor do I agree with this debt on my credit report as I never signed any type of contract with such company. They have yet to provide me with the original contract as I requested. They can not give me any information to show that this is debt I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OK
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX all assets approximately {$8000.00} were frozen leaving me no way to pay for gas or food

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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 have spoke to several team members over the phone. This item was purchased in XXXX of last year. This process has been ongoing and unsuccessful. Long story short I purchased the item and it was damaged so I returned it with the shipping label provided. I never got a refund. Spent several of hours with customer care rep 's line with broken promises. I can provide proof of my lengthily phone calls with the company over the last 6+ months. They can pull the last conversation since their lines are recorded. An associate said this matter was handled and I have been refunded.I recently spoke to someone and was told this was taken care of and I will not be held responsible for this purchase.It seems as if the item was lost by the postal service during the return or misplaced at Saks warehouse. At this point I no longer want to be a Saks card member after experiencing this lack of customer service. There is a current dispute in place. I have also filed with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-13
Company: Eagle Financial Services, Inc.
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
In XX/XX/XXXX I became unable to make my monthly payments of {$210.00} as per the loan agreement. I was contacted by the company by mail numerous times with options to make the account current. I offered to settle the account for a lesser amount but they have refused. I have asked for a lower interest rate and smaller payment and they have refused. on XX/XX/XXXX, they filed a civil suit in XXXX County, Ohio small claims court. They told me that the account would have to be charged off for at least a year before considering a settlement of less then owed. The account went 4 months past due and civil suit filed. This is contradicting as to if they sue you after 4 months, then how can you be charged off a year before considering a settlement amount. These loans carry a high interest rate as where you are set up for failure to repay. Why bother sending me letters if they wont agree to nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-27
Company: CITIBANK, N.A.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled a charged off account with Citibank Best Buy credit card in XX/XX/XXXX. I was told the balance would be considered paid in full and even received a letter stating this. The following month it was reported to the credit bureaus I still owed the remaining balance. I had to dispute this with the credit bureaus. It is now XX/XX/XXXX. The balance shows XXXX $ owed ( finally ) however ; they continue to report my account as a charge off every single month although I settled with them and owe them nothing. This continues to ruin my credit and show as current delinquency and is preventing me from getting anywhere with improving my credit score. I have filed 4 disputes against them. I want the charge offs gone from my credit reports and further reporting of a charge off stopped. I was offered a deal and have paperwork to prove it. I paid with money order and received a settlement letter. I want Citibank Best Buy to stop reporting me as a monthly charge off for an account that I no longer owe and I paid.

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 2023-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting 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:
On XX/XX/XXXX at XXXX I called portfolio recovery inquiring about why they had put in unauthorized inquiries on my XXXX credit report for the dates of XX/XX/XXXX and XX/XX/XXXX. I saw these under the account review inquiries subsection after I requested and downloaded a full report. After these unauthorized inquires there were several other unauthorized inquires from various companies that I do not recognize. I also noticed 5 phone numbers that are not associated with me or the only state Ive ever lived in, in any way. I was transferred a few times and then essentially told that they have no record of this and all they can do is file an internal complaint, which does not include me in the process or the outcome of the investigation. I was told that if their investigation leads to information they will contact me, which assumes the company is willing to admit illegal activity and thats highly unlikely. Especially since they were just sued by the CFPB in May for similar illegal practices. I made it clear that thats not a very honest system, and that I was unhappy with their process. It was confirmed to me that portfolio recovery stopped reporting an alleged collection account on my credit report as a debt collector in XXXX, and they stated multiple times, unprompted, that they would not sue me for the amount that was supposedly due. This reassured me that they had absolutely no account associated with my credit report, therefore absolutely no reason to be anywhere near my credit report. I made it very clear that these are two completely separate issues, and that they never did have or would have my authorization to put in inquirie on my credit. I advised that I would be taking my own path of resolution since theirs was less than adequate. I feel extremely violated and I worry there are also many others who this also has been happening to and they have no idea about it.

Company response to consumer: Closed with explanation