BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-17
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
To whom it may concern, On Saturday, XX/XX/XXXX my phone was hacked. I was not able to make calls or receive texts. The hackers deactivated my cell phone. They had complete access to my phone. 

I lost service on my ( XXXX XXXX XXXX  I was booted out of emails and accounts. When I checked my XXXX XXXX that evening, my funds had vanished. All {$13000.00}. I was devastated and reached out to customer support. They informed me that it wasnt their fault as the hacker used my password and XXXX codes. This is false as I did not authorize the transaction. They sent me an email when the hacker had access to the account with me realizing that my funds were stolen in four minutes, around XXXX that day. 

After trying to figure what has went on and back and forth with Coinbase Support I realized that another transaction had happened on XX/XX/XXXX. This was for {$1000.00} from my XXXX account. I have informed my bank immediately. 

I hope to have a full refund of my coins from Coinbase, all {$14000.00} and access to my account again. 

I have opened up a case with Coinbase regarding the fraudulent transactions. Please reach out if you need my case number. 

Look forward to hearing from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On monday XX/XX/XXXX. My cash app account was hacked for $ {$8800.00}. About XXXX was on XXXX and the rest savings. Cash app has no customer service and all these mobile platforms have the same theme wherein they are allowing these hacks to occur to the general public. I called cash app customer support and no answer. I can't use email because my whole account is missing. Last year I was hacked via cash app. I had all the security setups a person can have. It seems like these hacks use a sophisticated technology as my whole cash app account is gone. Why are all these hacks ALLOWED to occur to the people across country. we have the technology to stop this. I not stupid as I have communicated with these hackers and the one common theme is they tend to be of XXXX descent. The same happened with XXXX where I lost XXXX last year with no resolve. Since all this stuff is digital it's a matter of time before the next person get targeted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I mailed a letter requesting for XXXX  to validate the debt they are reporting as a charge off and they have not replied to my mail..

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 2020-06-15
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i made a full payment to Macys credit services on XX/XX/2020 of the total amount of {$340.00} to fully close out my account. 
Macys never processed the payment. I made various multiple calls to macys customer service in multiple attempts to resolve this issue in the following weeks after the payment was issued. macys failed to provide and customer support due to the covid-19 and closed their phone support. now macys is issuing interest on my account adding late fees and transferred over my bill to a debt collector. when macys reopened about around XX/XX/2020 i called macys and they had no access to my account anymore, due to it being sent to a collection service. i contacted the collection service XXXX and they have very slow and no consumer support saying that they will get back to me about my dispute with macys in 45 days. all the while macys will keep adding interest and late fees. at this point which have added about 50 % of the original bill so far. i will at this moment make a full payment directcly to citi bank finance services directly to end the interest and fee charges. i will pursue this matter until this issue gets resolved.

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 2021-11-17
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: Personal information incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect personal information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal information that are still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX  Date Updated : XX/XX/XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2017-01-24
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Good day. My name is XXXX, and I am filing a complaint against US BANK CORP in regards to multiple fees. I opened a US BANK account around XX/XX/XXXX, responding to an internet offer. After an initial deposit to open the bank, I found myself not using the account and did not manage the account for a period time. After receiving a statement saying they were closing the account, I concluded that there was no further action to be taken. Not knowing that a credit card payment had been made due to an auto payment set up, US BANK continued to add on several or more fees knowing that the balance was accumulating over XXXX dollars in the negative. After receiving a letter from a collection agency regarding the US BANK account ( I was unable to login to the account after US BANK had locked up online bank access ) I was shocked to see a balance of {$250.00}. After contacting the collection agency and having them cease and further efforts to collect on the debt, I filed a dispute with the XXXX, and received a statement from US BANK Corp regarding the balance. I disputed their efforts to collect on the balance stating that their numerous weekly overdraft fees, along with a " closing account '' fee of {$30.00} were unacceptable and that I would be willing to pay for the overdraft fee and balance for the payment to my XXXX. What I do not agree with is why banks allow an account to go negative, thus accepting a payment, allowing the balance to go negative and then adding on nearly {$200.00} in fees. It feels like I paid US BANK {$200.00} to open an account for a promotional offer. I replied to their first statement noting the fees and my offer to pay for what I feel is my responsibility, only to receive a second response stating that I was to pay the full amount, and that the record would remain on my XXXX file. No remorse, no empathy for my situation, pretty much that " this is how it is, we hold all the cards, you pay us now ''. I find this unacceptable and for the most part, criminal. I come to you today to assist me in showing these big banks that they can not bully us into paying all these ridiculous fees, a " closing account fee '', really? The further you put somebody in a negative balance the worse an impact it has on their financial situation. I would never even have taken their promo offer if I knew I would be out {$200.00} after XXXX months.

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 2022-11-06
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: Reporting company used your report improperly

Complaint:
Delete the account with inaccuracies

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 2020-06-09
Company: Account Resolution Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions. 
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found. 

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't XXXX sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
In XXXX of 2015 I bought a Truck and my score was XXXX. On XXXX XXXX XXXX score went down XXXX points and on XXXX XXXX my score went down another XXXX points. I have call these agency 's and no one can explain the drastic change and ask me to wait XXXX months and it would probably change. My score stayed relatively the same for XXXX and for no reason it is now I am XXXX points less and there is no explanation.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Notice, it is a fact that I XXXX XXXX, is aware, upon discovery Equifax in accordance under 15 US Code 6827 ( 4 ) ( A ) and ( B ), must provide a notice of negative information in writing to I, the consumer no later than 30 days after furnishing the negative information. I, affiant, XXXX XXXX did not receive such notice and thus Equifax is in violation of 15 US Code 1681s 2 ( 7 ) ( A ) ( i ) and the information associated with XXXX XXXX XXXX  and XXXX XXXX XXXX must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX XXXX {$510.00} XXXX XXXX XXXX  XXXX {$420.00} XXXX  XXXX XXXX {$290.00}

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 2022-05-13
Company: American Credit Acceptance, LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
ACA did not apply payments correctly to account which resulted in inaccurate " late '' payments, delinquent status, and repo order. Paid 3 months in XX/XX/XXXX for XXXX, XXXX, and XXXX XXXX to XXXX only and interest. All payments on time but reports show 7 lates. Request for deferring in XX/XX/XXXX not honored as told if I made a payment by XX/XX/XXXX which I did. Denied deferring again in XX/XX/XXXX due to delinquent status. Payment canceled in XX/XX/XXXX by ACA after putting loan in repo status. ACA rep rude, wouldn't connect me to reinstatement dpt, and hung up on me. Motor seized and upon calling ACA in XXXX was just told I need to make payments or car would be repossed. Late hx, status, and incorrect balance on all 3 credit reports can not finance another vehicle or get a loan. I called the reinstatement dpt who just kept trying to collect money. She finally said I can send a repair estimate over and they would deduct that from what I owe. Then the difference between what I owe and the kbb value of the vehicle can be negotiable to pay off loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: Residential Credit Solutions, Inc.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We requested assistance in the form of a loan modification with our servicer, Residential Credit Solutions ( RCS ), XXXX 2014. During the course of going through the initial steps of the modification, RCS repeatedly, after 8 times total in writing by ourselves, refused to update our mailing address so all correspondence was getting delayed nearly a month to us. We requested RCS to update our address so we were not repeatedly getting our mail late. RCS has been very INACTIVE in the past when it came to telephone requests so we began to put everything in writing. We finally sent RCS formal mail this spring and faxed and emailed the final address update requests and this finally worked. 

However, XXXX XXXX, 2014 was the deadline for us to submit paperwork for the modification to continue and we received this correspondence from RCS XXXX XXXX, 2014 to our current mail location of which we had been attempting to update for months! It was because we did not submit our paperwork in time because we did n't receive it until 1 day past the deadline date that we were denied a modification. 

This is ridiculous treatment by a servicer and a poor excuse for denial when we made numerous attempts to get RCS to send paperwork to the RIGHT address!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: BONDED ADJUSTMENT COMPANY
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX XXXX XXXX has hired Bonded Adjustment Company a credit collection company to collect on a debt. Debt was created in XX/XX/2005 ( over 10 years old ). Amount is {$2800.00}. I h ave received a Demand And Notice For Hearing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Accounts XXXXXXXX XXXX XXXXXXXX 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 have 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 a 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 2022-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 been XXXX  for the past 10 years.While XXXX  someone was using my identity to buy a car.

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 2016-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, all of my inquiries were deleted. I logged in today and they were back and I did not receive any notice.

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 2016-04-06
Company: U.S. BANCORP
State: KS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was contacted via text message saying I was approved for a loan $ XXXX {$10000.00}. I was given a number to call to discuss the details of my loan. He asked me that standard questions a loan officer would. He then was telling me about some insurance that I would need to take out on my loan and that it was for my protection. If I could n't make a payment then this insurance would make it for me. He then asked if I had a XXXX near by and that I would have to money gram him the payment for the insurance but he insured me that I would get my money back.

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 2020-06-09
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
For 2-3 years, I have attempted to negotiate a fair, affordable payment with my loan servicing company -Fed Loan -. Despite phone calls, payments, applications, deferments, forbearances & budget submissions the company keeps demanding a payment amount that is double what I can afford. I'm at the point where I feel like the whole thing needs to be forgiven, so we can all start fresh. 30+ years of debt & interest accumulation is unnecessarily burdensome. Signed Borrower

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
This dispute involves an issue we have with USAA. 

In summary, we paid USAA in full for my husband 's credit card.Due to their internal policies, they sent the money to their insurance department even though we did not have an an insurance product. 

Since USAA could not redirect the funds from Insurance back to Banking, USAA Banking reported the credit card balance of {$1200.00} as charged off. In addition, they continue to report it as late every month. 

All of our attempts to resolve this issue with USAA have been rebuffed. They have told us that there is nothing that they are willing to do to remove the chargeoff. In addition, they have told us that they will continue to report this account to the credit bureaus as late every month indefinitely. They have advised that there is no-one at USAA who can stop that reporting and/or they will not tell us who may be able to do that. They advised that even if the debit were paid again, the late payment reporting will not be stopped. 

I can not see how it can be legal for a company to give a consumer zero options to prevent the reporting of late payments. Can you please advise if we have any options? 

Thank you. 

XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation