BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-13
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX the virtual currency Bitcoin Cash was added to Coinbase & XXXX exchange. I had a balance of XXXX $ in my XXXX account at the time Bitcoin Cash was added. The price of Bitcoin Cash quickly began to rise so I put in a market order for XXXX $ at XXXX . ( I shouldve received at least XXXX Bitcoin Cash ) But due to the skyrocketing value my market order went through at a price of {$4700.00} $! ( Netting me XXXX Bitcoin Cash ) So I quickly went to sell because at the next moment Bitcoin Cash was at a price of XXXX $ on XXXX and coinbase ( I was supposed to have total XXXX $ if the trade went through successfully. When I went to sell I received the message post mode only. I even tried transferring XXXX coin from XXXX  to coinbase and received the message Bitcoin Cash sells are temporarily disabled the price remained at XXXX $ for about an hour then dropped to XXXX $ still not allowing any sells. The very next day the price chart on coinbase showed that the price of Bitcoin Cash had never even been to XXXX $ and not even to XXXX! So they allowed me to buy at an inflated price and not sell at an inflated price. As a multimillion dollar exchange this was a big red flag for me. So I have emailed and called customer service to try to get some compensation because this has not only resulted in XXXX $ immediate loss due to the malfunction but I have not been able to trade other crypto because they told me to leave my Bitcoin Cash there until a representative can fix the issue but havent given me any time frame to do so. I have screenshots of the price and the message when I tried to sell. It would be the best case scenario if they can honor my sell order of XXXX $ due to their mistake. But if they can not honor the sell then they shouldnt honor the buy either because they go hand in hand with one another and Id like a refund of my XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: NV
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
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: Account status incorrect

Complaint:
After checking my current credit report, on XXXX XXXX, XXXX I contacted Equifax again in hopes to resolve an ongoing mistake on my credit report. I was not able to fully understand the name of the person I spoke to due to it being a huge language barrier between us and as I could tell she was not a Native to the U.S. There were multiple unauthorized inquiries on my credit report that has re appeared without notice, They I was notified originally during two separate system breaches that the inquiries had appeared through another reporting agency but it shows the unauthorized inquiries through this agengy as well. I eventually got them rightfully removed but as mentioned above they are back. I would like to have them removed because they are not authorized to be there. I am very familiar the FCRA and my rights as a consumer and I no longer want this reflecting on my report. 

Name : XXXX XXXX XXXX : XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Experian Information Solutions Inc.
State: CO
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:
EXPERIAN IS IN VIOLATION OF THE FCRA BY PUTTING A STATEMENT ON MY CREDIT REPORT THAT ADVERSELY IMPACTS ME WITH OUT ANY PROOF THAT I ASKED THEM TO PUT IT ON MY REPORT. 

on my credit report, attached is a copy of it. Experian is putting a comment that says Dispute Investigation Completed. Consumer Disagrees. Updated XX/XX/XXXX. 

I have filed this complaint before as I never disputed anything with the XXXX XXXX accounts. What is funny is that XXXX  removed this comment because they showed no dispute ever being filed by me. But Experian and XXXX  both think its funny to make false statements on my credit report and to violate the law. 

I am now demanding that they proceed by the law. Either produce written documentation verifying that I initiated a written dispute ( Which they cant because they did not recieve one ). I am demanding that this comment be removed completely from my credit report or I will reserve the right to hire a FCRA attorney and sue you in a court of law. I am not playing games here. 
You do not have the legal right to put anything on my credit report that is not validated or verified with proof. You guys have been found not to long ago to have compromised many thousands of people 's information because you are negligent in handling our personal information. 

I am demanding that this statement that I did not authorize because nothing was disputed and I am disagreeing with you on the fact that you are putting unauthorized, incorrect comments on my credit report. 

Remove or be sued!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-24
Company: Experian Information Solutions 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:
On XXXX I reported to XXXX and experian ... Beginning XX/XX/XXXX, public record data collected for credit report reporting purpose including bankruptcies, civil judgement and tax lien must have common minimum 1 ) Name 2 ) Address, social security and / or date of birth. Minimum frequency of courthouse visit to obtain newly filed and updates public records of at least every 90 days. These credit reporting companies fail to removed inaugurated 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 2018-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America put a hold on my account on XX/XX/XXXX. I called to find out why. They kept transferring me to different departments for many hours before the informed me that someone reported fraud on my account. I asked them for more information they would not give me. The next day the hold was removed and I thought it was maybe an error. However, on XX/XX/XXXX, the bank closed my accounts and when I called they said it was due to I received money ( XXXX ) fraudulently. They said someone hacked into another person 's online account to transfer the money to my account. 
However, I have evidence that the money was legitimately sent to my account by the account holder ( so it was not fraud ). I have evidence where the account holder threatened to reverse the transaction. This, I believe was in order to scam me. I told the bank this but they would not listen. They would not see that I am being scammed. The bank did not carry out a thorough investigation as to if fraud actually took place in the transfer of funds to my account or if the account holder is just telling a lie to frame me. This happens even though I am an XXXX of the bank! I feel this is discriminatory and BOA should review their records and reopen my account and remove the debit of XXXX because the account owner definitely authorized the transaction.

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 2019-07-23
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
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:
NJ Higher Education is reporting two accounts on my XXXX credit report that is not correct. XXXX shows a balance of {$6000.00} and XXXX shows a balance of {$7600.00}. They have actually confirmed with me on the phone that I only have one account with them and I am making payments. This is inaccurate and a violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-23
Company: Prosper Marketplace, Inc.
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The Company is in violation of the Fair Debt Collection Practice Act, 15 USC 1692g a  law that is supposed to be enforced by the CFPB. 

When they began harassing me over debt, I looked up their corporate address online and mailed a copy of the attached letter. They have failed to comply with the request in the attached letter made under the Fair Debt Collection Practice Act, 15 USC 1692g.

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 2019-07-23
Company: EQUIFAX, INC.
State: SC
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:
Since XX/XX/2017, I have repeatedly filed complaints with Equifax on credit inquires that were not authorized. Equifax repeatedly ignored all the complaints. I have contacted all of the below companies and they have no records or do not want to provide any assistance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In addition, I have had a credit report freeze since before XX/XX/2017 and these companies never contacted me before pulling the credit report for verification either by mail, or telephone. 

The credit freeze has never worked and companies continue to pull when they have never been authorized nor do they contact me for verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This is not a duplicate report and this is not filed by a Third-party I just reviewed my credit report and there are some hard inquires that I do not recognize XXXX BANK XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Auto ) XXXXXXXX XXXX XXXX  ( Bank XXXX XXXXXXXX XXXX ( Finance ) XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX ( Finance ) XXXX XXXX  BANK ( Bank ) XXXX XXXX BANK 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 2018-01-13
Company: First Data Corporation
State: TX
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: Information belongs to someone else

Complaint:
I tried to right a check at the grocery store after banking with XXXX for 5 plus years and frequently writing checks. My check was declined, I was told to contact Telecheck. I contacted telecheck and they advised derogatory information was reporting from a XXXX XXXX acct. I have never had a XXXX acct and explained this several times. They continue to read from a script with no resolution. Several times they asked for the XXXX acct that I had explained several times, I had no business with XXXX. Telecheck referred me to XXXX after sitting in the branch ( 2.5 ) hours XXXX verified I had no debt with them and also advised because I had no account, there was not a letter they could provide me. I called Telecheck advised them of this and requested a supervisor, after being on hold for upwards of 10 mins multiple times hey returned and stated they had no supervisor available. I have explained how their unfair business practice is causing a hardship on my family and may also negatively impact my employment. They refuse to rectify or fix this erroneous information. I need assitance with getting this fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: Experian Information Solutions Inc.
State: PA
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: Problem getting your free annual credit report

Complaint:
On XX/XX/XXXX, I discovered that my personally identifiable information may have been disclosed without my authorization due to a data breach. On XX/XX/XXXX, I mailed a XXXX XXXX XXXX XXXX form to the XXXX XXXX XXXX XXXX  service, asking for a free copy of my credit report from Experian, if it existed. On XX/XX/XXXX, I received a response from Experian stating that they did not find a credit report because I either " did not provide sufficient identification information to verify your identity, [ I ] have not established a credit history, or the information [ I ] provided was not legible. '' The response stated that Experian was able and willing to recheck their records if I asked. 
On XX/XX/XXXX, I sent a reply to Experian asking for a reinvestigation. I included copies of the documents that Experian requested along with a letter of explanation that I desired to receive a conclusive determination for whether or not I had a credit report, and if I did, to provide me a copy of it. On XX/XX/XXXX, I  received a response from Experian which again stated that they were not able to provide me with my credit report. However, instead of clearly answering my query, Experian provided the exact same collection of possible reasons why it could not provide me with my credit report. No definitive statement was offered about whether or not a credit report in my name existed in Experian 's credit reporting database. 
On XX/XX/XXXX, I sent a second reply to Experian, again asking for a reinvestigation, and emphasizing that I desired to receive a clear and unambiguous statement that I either did or did not have a credit report within their database. I included copies of all of the requested documents Experian requested in their letter to perform their investigation. 
On XX/XX/XXXX, I received a response from Experian identical to the one I  previously identified as inadequate. In spite of my two direct and reasonable letters, Experian has failed to answer with an acceptable degree of specificity whether or not I have a credit report within their database.

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 2019-07-23
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:
I am a victim of identity theft. I sent multiple disputes ot Equifax and complaints regarding the information listed in error on my credit report for XXXX/XXXX XXXX. The response was a letter addressed to someone name XXXX XXXX to my address. I have since contacted Equifax who can not verify my personal information that I provide. I specified the account names, inaccurate info and provided my personal info each time disputed. No one not can seem to verify this account, who opened it or who XXXX XXXX is. I also believe I am part of the Equifax breach as I can no longer access any of my personal credit reporting information by mail, via the Equifax website or over the phone. This account is NOT MINE and NOT VALID. I am not XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 received a copy of my consumer report and found out that there are inquiries and accounts I didn't recognize. This is a clear violation of FCRA 15 U.S.C 1681b ( f ) because they are reported without my authorization or permissible purpose and violation of 15 US Code 1692e ( 2 ) ( a ) the character amount or legal status of any debt and ( b ) You are falsely and misleading representations. I believe I am a victim of fraud or identity thief. This makes me really frustrated and I want to seek legal action against this. If ever I want this Consumer reporting agency to compensate for all the damages they created to my consumer report. It really affects my life.

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 2022-01-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
To whom it may concern, On XX/XX/XXXX, I received a letter through the Secure Message Center that my Chase XXXX XXXX # XXXX was being closed. 

On XX/XX/XXXX, I contacted the phone number XXXX ( Fraud Department ) referenced in the closure letter, and requested a reconsideration in this decision. The case was referred to a supervisor for review, and possible reinstatement. 

On XX/XX/XXXX, I received a call from the supervisor, whom my application was referred to, for review, and he informed me that my account is being reinstated. 

On XX/XX/XXXX, I logged into the Chase mobile app, and again noticed that my credit card account shows as closed. 

I contacted Chase customer service again, was referred to somebody named XXXX again from the Fraud department, and he told me since I have failed to safeguard my account, he is closing my credit card account. 

Fraud had occurred on my account 2 times in the past, and both times the bank had done an investigation, and ruled in my favor. In early XX/XX/XXXX, I thought my card was missing, reported my card as lost, and 2 transactions as fraudulent, however, after I learned, on my own, that my card had actually been used by another household member, without my knowledge, I called in, withdrew the claim, and I am not sure why the Fraud department was still handling my account after the claim had been withdrawn. 

The decision to close my account for the 2nd time in the span of 2 weeks is completely unacceptable. I would have understood the decision to close the account once, but reopening the account, only to have it closed a week after by another person is just an organizational XXXX. 

I, hereby, request Chase to be courteous and reinstate the account, due to the error that occurred on their side for closing the account, then reopening the account by a supervisor, and then closing the account by another person, all in the span of 2 weeks. 

If Chase insists on closure of this account, and not fixing this error, please at least reimburse for the {$520.00} annual fee that was paid on XX/XX/XXXX, in order for me to be able to use this account for a full year, which I have been deprived of. 

Thank you for your time and consideration. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: EQUIFAX, INC.
State: AL
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 a victim of Equifax 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to Equifax to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. Equifax have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. Equifax will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-13
Company: HYUNDAI CAPITAL AMERICA
State: NY
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:
Turned in lease early bought a new car from same dealership in XXXX 2017 they were supposed to pay the rest of the car off and the time the dealer ship did created late payments I was never late on a payment the removed it from 2 credit bureaus but have not removed it from XXXX I 'm trying to buy a house and this is really causing a problem for me I have spent hours on the phone with them and I can not get anywhere

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I MOVED OUT OF XXXX XXXX XXXX IN 2004 BUT I AM STILL HALF OWNER OF THE PROPERTY AND ON THE MORTGAGE. I HAVE RECEIVED ABSOLUTELY NOTHING REGARDING THE PAST DUE ACCOUNT. I HAD RECEIVED NO NOTIFICATIONS OF THE IMPENDING FORECLOSURE I WAS NEVER SERVED ANYTHING DESPITE THE FACT THAT I HAVE WORKED AT THE SAME PLACE OF EMPLOYMENT FOR 15YRS. DESPITE THE FACT THAT WHEN THE SECOND MORTGAGE WHICH WAS ALSO WITH XXXX WAS IN FORECLOSURE THEY HAD NO PROBLEM FINDING ME TO SERVE ME AND I WAS ABLE TO SETTLE THAT. I HAD ABSOLUTELY NO IDEA THAT THE HOME WAS IN FORECLOSURE I WAS DENIED MY RIGHTS TO STOP THE FORECLOSURE SALE OR TO REMEDY THE PAST DUE ACCOUNT I WAS DENIED THE RIGHT TO DUE PROCESS I WAS DENIED THE RIGHT TO ANY MORTGAGE CONFERENCE. I HAVE BEEN REMARRIED AND LIVED AT A DIFFERENT ADDRESS SINCE 2004

Company response to consumer: Closed with explanation