BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Greetings, my name is XXXX XXXX XXXX XXXX, I have a problem with my coinbase account, on XX/XX/XXXX someone hacked into my account, sold all my cryptocurrency and withdraw that money, after many conversations with the identity department, cripto and funds department ( coinbase ) i havent been able to locate the money, on XX/XX/XXXX they told me ( over the phone ) that it was sent to a debit card ending in XXXX, several transactions, under my name and with my billing address, which card is not mine, coinbase is not providing me with any tool or efficient help to solve this case, they are telling me that for security reasons they can not give me any extra information about the instrument to which the hacker sent the money, calling that person hacker because without my credentials logged into my account, which is not logical because every time i log in coinbase sends me a text message and the same to sell and withdraw money as a two step verification process, which never hapenned, all in all, what i want is coinbase to be responsible for these acts against my interest in their platform, i feel completely unsupported by them because they are not providing me with any useful information, not even in my account statement, in this one they just show that this person sold the criptos but nothing more, during the call of the 21st with them they told me that on XX/XX/XXXX the debit card mentioned before was added and removed within minutes. The amount substracted in XXXX dollars was around XXXX XXXX ( it was all in cryptocurrencies ). Case number provided by XXXX email associated to this account : XXXX After talking for several hours with their departments they told me that their legal team was going to reach out to me because they were able to see that i have a case, their legal team sent me an email, XX/XX/XXXX, saying that they hope that i had all the help that i needed and that they were closing my case, which help should come from them, i really feel that they are mocking of me and can not understand how such a renown company can treat their clients in this way. I request for your help, This are my savings. 
Here i attach my coinbase account statement and their last email, which has a different case number that the one they gave me over the phone ( the one i wrote on above paragraph ) Thank you for your support, i look forward for you answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: Experian Information Solutions Inc.
State: KS
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-06-30
Company: Experian Information Solutions Inc.
State: AZ
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 account XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A. States a consumer reporting agency can not furnish a account without my 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 2022-06-30
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I've sent them valid Metro 2 compliance Challenges as they are reporting erroneous and unverifiable accounts. 

They have not one time in almost 4 months sent a single credit report or valid response to any of these requests. 

they have not complied with the requested information and have violated numerous FDCRA laws. 

My next step is Filing a lawsuit for the fines and damages that each clause has. 

I've attached all of the letters sent and the dates are on them. They've yet to reply to single one. 

The letters as you can see began on XX/XX/22. 

Not one time did Experian inform me of any updates or process any request or provide any proof of debt or validate any METRO2Compliance yet alone never reply with in 90 days yet alone the mandatory 30 days.

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 2022-07-28
Company: Resurgent Capital Services L.P.
State: OH
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:
LVNN Funding LLC Reporting charge off on credit file but this account isnt mine. There not able to prove ownership of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In accordance with the Fair credit reporting act XXXX  account # XXXX ARS Account Resolution has violated my rights. 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681 section 604 A. Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions It is listed on my credit report 2 times and for the following 2 different amounts. {$1300.00} & {$370.00}

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 2022-06-07
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 2022-07-28
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
XXXX XXXX XXXX XXXX XXXX XXXX, N J XXXX 2ND Notice XX/XX/XXXX PAYPAL CREDIT C/O Synchrony Bank  XXXX XXXX XXXXXXXX XXXX Fl XXXXXXXX Via Certified Mail RE : XXXX XXXX SS # Account # This is the 2nd written request. You still have not complied and continue to charge fee to this account. In as much as you fail to comply with my request for documentation, I am NOW requesting that all charges be discharged and my account brought to XXXX {$0.00} This is the 2nd formal request to Freeze all Paypal Credit accounts under my social Security number ending with XXXX and stop charging fees and interest until the account can be verified. I have request numerous times over the last 24 months for a COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY from the very first transaction, for which you have failed to provide a full accounting of all transactions and continued to charge me interest and fees. 

The earliest statement you have provided was for XXXX XXXX which already had a balance of {$3100.00}. I have never received COMPLETE AND FULL DETAILED TRANSACTIONAL ACCOUNT HISTORY FOR YOUR OPENING BALANCE PRIOR TO XXXX XXXX which you claim is {$3100.00} to include TRANSACTION DATE, VENDOR AND PURCHASE DETAIL this account from the 1st Transaction and 1st Dollar. 


I have never requested any credit from PAYPAL with the exception of a Paypal MasterCard which has a {$300.00} limit. Any and all transactions were to be a direct debit from my bank account. I, will not make any more payments or be held liable for interest or any fees not limited to late, past due and over limit fees until this account can be verified by me. For which you continue to make payment demand on the phone and by mail. 

In the quick review that I have made, there are charges for late fees for payments that were made on time and also double charges on the same day for the same vendor and amount. In additional to transactions unrecognizable This is just a few examples of the errors being made by your company. 

Sincerely ; XXXX XXXX In addition the creditor made attempts to charge my XXXX XXXX XXXX FOR THE PAST DUE LATE PAYMENTS THAT ARE IN DISBUTE.

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 2022-06-30
Company: EQUIFAX, 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:
MY PERSONAL INFORMATION HAS BEEN COMPROMISED AND THERE ARE FRAUDULENT ACCOUNT ON MY CREDIT REPORTS EQUIFAX XXXX AND XXXX ARE REPORTING INCORRECT DATA AND ACCOUNTS THAT DO NOT BELONG TO ME AND THERE ARE ALSO 2 ADDRESSES ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME WHICH WAS ALSO USED TO OPEN UP FRAUDULENT INSTALLMENT LOAN ACCOUNTS IN MY NAME I HAVE FILED A POLICE REPORT ABOUT THE ACCOUNTS FROM THE FOLLOWING CREDITORS ( XXXX XXXX XXXX XXXX, OHIO XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXUS DEPT OF EDXXXX XXXX I HAVE BEEN DISPUTING THIS MATTER SINCE XXXX  AND THE CREDIT BUREAUS ARE NOT RESPONDING IN A TIMELY MANNER AND THEY ARE REPORTING ACCOUNTS THAT DO NOT BELONG TO ME ALONG WITH THE FACT THIS IS HAMPERING ME FROM HAVING GOOD CREDIT ( XXXX XXXX XXXX XXXX, OHIO XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX, OHIO XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXUS DEPT OF ED/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX has violated my rights. 

The Credit Bureaus are reporting false and inaccurate information on my report. I have provided proof from the creditor that I do not have any late payments reporting in the months of XXXX and XXXX of XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

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 2022-07-28
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I was scammed by XXXX XXXX he has attempted to open numerous accounts and was successful at opening one under XXXX with my name as the buyer in Texas XXXX XXXX XXXX as the merchant he got {$9500.00} after I already informed Synchrony bank that this was fraud/ identity theft Their investigation took three weeks and they opened him another card saying that I was involved because he had my drivers license number. I called synchrony again but they gave him another credit card which cost me {$9500.00}. there are several other companies that I filed disputes with through XXXX that I have not been resolved that I need help with. 

Thank you 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 2022-06-30
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
My outbound flight TO vacation was canceled due to weather. I used the trip cancellation insurance to file a claim for reimbursement for the in bound flight FROM vacation. After months of emailing all the necessary documents, often 4-5 times, my claim was denied because they said I actually flew on that plane. I have submitted proof of the canceled flight, Ive submitted proof of the canceled trip, but I never got a real person to talk to me about this claim. 

After the denial, I asked for an appeal through Chases executive office, and that person told me the same thing, that because they believe I flew home from vacation, my claim can not be paid. I tried to show him all the documents I had previously shared with the insurance team, but he said it was too late now and he was closing my case. He said I can start the process over if I feel this is a mistake. 

Ive been at this since XXXX. Ive spent so much time and energy on this already, I dont think I have the patience to start over. This is very clearly an error on Chases part and theyre refusing to resolve it amicably. Im hoping the CFPB can help speed the process.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-30
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:
In accordance with the fair credit reporting act XXXX  accounts listened below, has violated my rights 1. Account name : XXXX XXXX XXXX  account number : XXXX 2. Account name : XXXX XXXX  XXXX XXXX  Account numberXXXX 3. Account name : DEPT of EDXXXXXXXX Account number:XXXX 4. Account Name : XXXX Account number : XXXX 5.Account Name : XXXX XXXX XXXX Account number:XXXX 6 . Account Name : XXXX XXXX XXXX XXXX account number : XXXX 15 U.S.C 1681 section 602 A. States I have 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 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2022-08-22
Company: EQUIFAX, INC.
State: KS
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Barclays Bank of Delaware mistakenly claims that I requested online statements in lieu of paper statements. Lacking a paper statement, two payments were missed in XXXX and XXXX, XXXX. Barclays error has led to a massive reduction in my FICO score from XXXX to XXXX, which will impact my ability to borrow and the cost of any future borrowings. The account was opened in XXXX  and until Barclays ' error, had years of a perfect payment history. 

I have pursued this matter directly through Barclays who is unwilling to accept my explanation. Despite this, Barclays has been unwilling or unable to support their claim that I personally requested online billing as opposed to paper. The most likely explanation is an internal error at Barclays led to coding my account as preferring to receive online as opposed to paper statements. 

I have also pursued this matter directly through XXXX, XXXX and XXXX. Their automated complaint system is not sophisticated enough to address my complaint properly and my complaint to each resulted in no change to my record. 

Barclays error has unfairly harmed me and my outstanding credit record. I would be grateful for any help you can provide. Thank you. 

Sincerely, 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 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHS US DEPT ED # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX  # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX XXXX # XXXX, HAS VIOLATED MY RIGHTS. 

XXXX # XXXX, HAS VIOLATED MY RIGHTS. 


15 U.S.C section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency CAN NOT furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : NO consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-01
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: Account status incorrect

Complaint:
XXXX Things XXXX. When I check my credit score through XXXX, my score is 644. Factors include two late payments. This summary also shows three times as many inquiries. The information is coming from Experion. I have checked Experion, XXXX, and XXXX and do not see any late payments. 
2. I have made several inquiries into getting a home equity loan or line of credit. it is my understanding these types of inquiries do not count against you. If that is the case, why has my score decreased by more than 50 points?

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