BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-30
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: Information belongs to someone else

Complaint:
While reviewing an updated copy of my credit report, I discovered that some of my credit references are not included but have been reported and verified. Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I'm a part-time seller, and I didn't try to sell on XXXX until XXXX. My sources of goods are very regular. My money has been on PayPal for a long time. I don't know why PayPal took my money away without any reason PayPal - negative {$4800.00} XX/XX/XXXX Transfer Loading transaction details for PayPal - negative {$4800.00} XX/XX/XXXX Transfer Paid with Balance {$4800.00} Transaction ID XXXX Seller info PayPal Note {$4800.00} USD ; PayPal Posting Date : XX/XX/XXXX ; Payment to : Paypal ; PayPal 's damages caused by Acceptable Use Policy violation

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Ive been locked out of my coinbase account for almost a month now. They are not responding to questions they have no response and have my money. Coinbase is a scam. They have an IPO coming up and they are trashing existing account holders.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: FL
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:
There is inaccurate information posted on my credit report with XXXX. I have stated my reasons for disputing those accounts in the documents attached. I have sent XXXX requests ; Certified mail to resolve these issues with no prevail. Equifax is violating my rights by continues to report inaccurate information to my credit profile. XXXX XXXX : Certified XXXX XXXX  XX/XX/XXXX XXXX - I requested an open investigation of all of the inaccurate information that was reported to my credit file. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. Second Request : Certified XXXX ( XX/XX/XXXX XXXX - I requested a reinvestigation of the first dispute due to the fact that the information was still inaccurate and continue to report on my credit report according to an independent investigation. ( As a result, I expected the information to be removed updated accordingly ) Results of the dispute : Verified. XXXX XXXX : Certified XXXX ( XX/XX/XXXX ) - As a follow-up to the second dispute ; I requested specific detailed information with a specific request and outcome. I requested written verification of accuracy, in conjunction with my dispute of the inaccurate accounts. # XXXX Who verified these accounts? # XXXX. How were these accounts verified? # XXXX. Provided me copies of ALL original documentation ( s ) on files such as contracts or legally binding agreements ( as proof ) with my XXXX signature on it correlating to the disputed accounts. If Equifax is UNABLE to provide me a copy of ANY original documentation I request for these items to be REMOVED/DELETED from my Credit Report immediately. Equifax has failed To provide me with any information I requested while continue to report inaccurate information to my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Please note : Chose the most applicable categories to submit this complaint as closest I could find from the choices. 

My Coinbase account was compromised. As I subsequently found out, this was apparently due to " SIM-Swap '' where the perpetrator managed to have my phone number somehow transferred from XXXX to the perpetrator - XXXX confirmed the " sim swap '' had occurred. That was then used to gain access to my email account which was used to reset password to Coinbase account. The attached document indicates notes/details of the incident and action and was submitted to the FBI - Internet Crime Complaint Center. I have not received any response or follow up based on that submission. As of now, I have also not been contacted at all by Coinbase and therefore have no access to my account and holdings. Also attached are screen caps of the notification I submitted to Coinbase again on XX/XX/2020 XXXX had submitted similar earlier at the time of noticing the incident but submitted again when looking for additional method of contacting since had not received any response by then nor any response based reporting incident to Coinbase using a number I was able to locate for them : XXXX ( supposed to be for reporting compromised accounts ) ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Formal notice that you have failed to respond in a timely manner to my dispute letter of insert date, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( C.D.Cal. XXXX XXXX, 1995 ), you may be liable for your willful non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
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: Information belongs to someone else

Complaint:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXXUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THESE ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2019-08-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
ACCOUNTS ON MY REPORT ARE NOT MINE, I HAVE NO KNOWLEDGE OF THESE ACCOUNTS

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
ACCOUNTS ON MY CREDIT REPORT ARE NOT MINE

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 2022-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX  ( Original Creditor : 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 2021-04-11
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
paypal put a permanently limitation on my paypal account without a reason, and they won't help me to reinstate my account. Anyway, they told me that I can withdraw the balance after 180days limitation passed. I found that the balance on my account was gone. Based on the record in my recent activities, it says there is a amount of {$1600.00} has been transferred to paypal due to so called damages caused. Well, I contacted paypal for help, but no one can tell me the exact reason behind all this. I didn't receive any notification about this transfer, and this transaction didn't get my approval and authorization. I feel this is illegal and that's why I report this to you, and wish you can help me out. The email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
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:
On or about XX/XX/2018 my credit report from Trans Union showed the incorrect information that I have a late payment account and a collection account with the amount of {$1300.00} from XXXX XXXX XXXX which is the debt I do not owe. 
I disputed and Trans Union refused to delete the incorrect information on my credit report.

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 2020-07-11
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
42 USC color of law Citi bank upon entry phone system stated that no credit report would be consider for line incresse. However letter recieved was upon credit report.Decitful business practices.

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 2021-01-22
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoint is refusing to review and grant me a loan modification. I have no active sale date. I was in a prior bankrucpy but the payments are not affordable. I personally believe Shellpoint is doing this because they know I have equity in my home. I owed about {$140000.00} on my mortgage and my home is worth about {$270000.00}. On XX/XX/2020 Shellpoint stated that I was not eligible because I already applied too many times for a loan modification, although none were ever approved. They also stated they dont have details of each application. 

There is no federal law or guideline that limits the amount of applications I am allowed to submit. My income is more than enough to qualify for a loan modification and what is being done to me in the time of this pandemic is extremely unfair and prejudicial and is only being done because Shellpoint knows there is equity in my home and they can get the entire loan balance at a foreclosure sale.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: Resurgent Capital Services L.P.
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:
Despite my previous query letters to your department, the most recent credit report I reviewed indicates that this record is being accounted for incorrectly and inaccurately. This file is used to keep track of various " infringement '' declarations. I don't believe the circumstances surrounding this record are accurate. Ensure that reliable, fair, and comprehensive reporting is done! In order to validate or refute my point, I demand proof that you followed all of the proper and fair procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-13
Company: KEYCORP
State: VA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/20 I attempted to make an on-line purchase in the amount of {$170.00}. The company took my money and sent me a confirmation email. I then found out the next day that the company was fraudulent and contacted them via email for a refund. They would not respond. I then called XXXX  who said that I would have to write a letter to them to start an investigation. They then refunded the money back to the card. Several months later they sent me a letter stating they were rejecting the claim, and they took the {$170.00} back off the card. I contacted them, told them I had proof from the US Post Master in XXXX that I never received the order. The company sent something to a XXXX XXXX in XXXX, but it was not to me and in no way what I ordered since it weighed les that 3 oz and what I ordered were two XXXX  that weighed 75lbs each. They said to put it in writing and send the proof. I faxed and mailed copies of what I obtained. Since I have heard nothing and they still have not credited the card back. When I call, they will not even discuss it with me and will tell me nothing. I have all the emails, letters written, order confirmation, and shipping documents and evidence proving that I never received. XXXX  is doing nothing and refuses to even talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: FISERV INC.
State: MD
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I received my stimulus money in form of a Debit card from Money Network Cardholder Services on XX/XX/2020. I tried to call their Customer Service number XXXX. 
I wanted to speak to a customer service person, but was not able to do it. The machine said that you can reach customer service, main menu or to activate your card by pressing " XXXX ''. I did, but was never able to reach the main menu or customer service. I was forced to enter my card number, 6 digits of my Soc. Sec. and had to select a pin to get on with the system. If I did not do it, I was disconnected. After activating my card I was not able to do anything else and was disconnected again. 
I wanted to transfer the money into my checking account, but to do this I had to have a computer and sign in to the Money Network Cardholder Service. They are not the government and I have no idea what they will do with my information I had to give them. 
I am retired and receive Social Security. I have my Social Security directly deposited into my bank account. Why has the government created this obstacle for us retired people when we were promised to receive the stimulus money through directly deposit into our bank accounts?

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 2019-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
UNAUTHORIZED ACCT XXXX OPENED XX/XX/XXXX XXXX OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I would like to inform you that on On XX/XX/2020 I sent a letter stating that I found inaccurate items on my credit report. I feel I have been patient with the investigation process but it has been over 61 days and I have not received a response. Unfortunately I feel as if my disputes have been ignored and that I have been taken advantage of. According to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. Again I would like you to know that it has been over 61 days ; the items within the dispute need to be deleted in an expedient manner please. I am requesting these items be deleted immediately or I will implement litigation due to the stress and hardship you have caused me. I was affected by the XXXX data breach and this may be the result of this nefarious activity on my reports.

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 2017-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Attempted to put a freeze on my account on X/X/17. Paid requested {$5.00} fee. Freeze request failed, but my credit card was charged anyway. Unable to reach customer service to fix the error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation