BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-21
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I requested a withdrawal from coinbase inc to my bank account for {$450.00}. It is an app based virtual currency exchange for Bitcoin and also has a USD wallet. I have not received my money and have repetively tried to contact them on every platform I can with no success. Other people are having similar issues. I think we are all being scammed by this company. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: Experian Information Solutions Inc.
State: CA
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:
When signing up for Experian free reports, it asked to charge for {$1.00}. It is not obvious that I can opt to not pay for the {$1.00}. What 's even worse is the {$1.00} is actually a trial for a $ XXXXmonth subscription. I was given no notification at the expiration of the trial that it 'll be renewed at a higher price. Also, there is no direct way for me to cancel until I dig through the website of Experian. This is not an acceptable behavior and borderline illegal.

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 2017-06-21
Company: Kriya Capital, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in an accident at work and was transported in Ambulance. As part of Workers Compensation this ambulance amount was paid by Workers Compensation company XXXX XXXX XXXX company. I received letter from Credence Resource Management LLC that I still owe money and is up for collection. I also received called from them and i informed them to contact the workers insurance and also my lawyer. Now they are trying to collect this debt from me sending me debt notice. This is really XXXX me and i am just trying to come out of the accident i was involved.

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 2018-10-17
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I hold a Roth IRA with Citizens Investment Services. I am  charged a {$75.00} annual maintenance fee. Due to the high expense in maintaining this account I inquired as to the process of closing the account and I was informed that I would have to pay a {$100.00} account closing fee. However, this fee was not disclosed to me at the time I opened my account. Instead, the customer representative I questioned about this fee informed me that the paperwork I received indicated that additional fees may be incurred and fees are subject to change over time. Using that logic, Citizens Investment Services is not informing customers of fees it can choose to charge at any point in the future without disclosure, which seems to be in violation of the Truth in Savings Act, or at least the spirit thereof.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Franklin Collection Service, Inc.
State: TX
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:
When I reviewed my credit report I have found items that I have never applied for a credit nor any communication with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Prosper Marketplace, Inc.
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I took out a loan for {$20000.00} with Prosper loan for a voluntary XXXX. I decided against the XXXX and went to pay back the loan. I was told that an extra {$2000.00} had been added above the one-month interest charges for the use of the loan. 
Loan # XXXX PAID OFF XX/XX/XXXX www.Prosper.com Amount Principal Interest Status Account Used XX/XX/XXXX {$22.00} {$22.00} {$0.00} Success - XX/XX/XXXX {$9000.00} w/ {$5.00} fee {$8900.00} {$17.00} Success - XX/XX/XXXX {$20.00} - {$20.00} Success XXXX XXXXXXXX XXXX XX/XX/XXXX {$40.00} {$12.00} {$28.00} Success XXXX XXXX... 7XXXX XX/XX/XXXX {$13000.00} {$12000.00} {$12.00} Success XXXX XXXX. XXXX This seems like an excessive charge, when I called them on XX/XX/XXXX I was told that my {$2000.00} was for service charges. 

I did not receive fair warning that such a charge would be leveled at me should I take that loan, and that I would have to pay up front. 

Please Help, 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 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX-2017 XXXX XXXX XXXX contacted XXXX and transunion about unauthorized inquiries also put a fraud alert on my consumer report. XXXX-2017 i called to inquire again about the inquiries to no avail I was rudely told they could not be removed. XXXX-2017 I contacted XXXX and transunion in a final attempt to get them removed. I spoke with dell and a rep from transunion who said they would dispute all inquiries instead for an authorized one from capital on made on X/XX/2017.

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 2022-09-07
Company: EQUIFAX, 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: SC
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section XXXX ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was astonished once I viewed my XXXX, XXXX and XXXX credit reports and found that I was reported as having a late payment on the date below : 30 days past due as of XXXX 2016 I already disputed this with the credit bureaus and they verified it as being accurate. I am not sure how  this occurred, I believe that I had made my payments to you on time when I received my statements. My only thought is that my monthly statement did not get to me or maybe an error occurred where it was n't recorded on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I currently have a Capital One Credit Card and was just hit with a past due payment on my credit report. I called into the company to find out how I was hit with a past due on my credit and I was told that my min payment was not made. When I asked how that is possible when I have my account set on auto pay they stated that in XXXX my min increased from {$38.00} to {$58.00} and my auto pay was set at {$40.00} a month. I asked by i was never called or informed of the increase and I never got an answer just an apology. Due to the {$18.00} shortage for that month they then proceed to hit me with a past due fee of {$38.00}. Every month since they have charged me {$38.00} past due fee the same day my payment was auto deducted from my account. My min payment as of today is {$270.00} and I have a late payment on my credit which hit me for 6o points. I have advised that I am willing to pay the XXXX shortage for the last 4 months as I was not aware as well as i have already increased my auto pay to {$60.00} to ensure it is covered. I have been told that if i do not make the min of {$270.00} they will continue to hit me with past due fees and continue to report me as late. I guarantee if I was late with no payment made at all I would have received multiple phones calls harassing me to make my payment. However, I was short by {$18.00} and this bank took the route of charging me outrageous fees and boxing me into a corner to pay them or my credit will continue to be hurt as well as I am losing out on money they are falsely charging me for. This is completely outrageous and I believe this should be considered illegal practices. They have stated all they can do is waive the most recent late charge. this is unacceptable in my eyes as I have been making payments every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
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: Information belongs to someone else

Complaint:
I have submitted for the third time a fraud report to Experian and today I faxed over to them a completed police report. 

Experian has not removed the XXXX  XXXX account from my credit report. 

XXXX XXXXXXXX XXXX XXXX account number XXXX I forwarded to Experian all that they requested that I do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-04
Company: Snow and Sauerteig LLP
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Snow & Sauerteig XXXX ( XXXXXXXX XXXX XXXX ) Someone sent the police to my home who then broke in and when they did not find anything wrong they put me in an ambulence and forced me to sit at XXXX XXXX XXXX for 7 days This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: TD BANK US HOLDING COMPANY
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was the victim of identity theft in XXXX 2017. I have called Target, XXXX XXXX, XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. <P/>Sadly, I have not heard back from one of the companies above in reference to this or how they are going to remove from my credit report?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section XXXX : 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 2021-05-11
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:
THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAs. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, I received a notice of default and intention to foreclosure. In order to cure that default, I was informed to pay the past due amount of {$2400.00} by XX/XX/XXXX. I paid said amount on XX/XX/XXXX, in which I will be providing proof of  transaction along with this letter. Ever since this date, I have made all mortgage and property tax payments on time, which were electronically made to XXXX via my personal bank. Despite all payments being processed on time, I was told that I am missing payments to my loan and mortgage servicer. At the beginning of XX/XX/XXXX, I  was notified by a new carrier, Carrington Mortgage Services, that I owe a total of {$8000.00}. I tried reaching out to the new carrier to resolve this issue and was unsuccessful with their compliance. I have not received any monthly statements of payment history and/or confirmation of said payments within the last two years from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: BANNER CORPORATION
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Banner Bank is threatening foreclosure. I've written their attorney reminding him that I'm a XXXX  being... NOT A PERSON. MY NAME IS MISSPELLED ... NOT IN ALL CAPS. I NO LONGER ABIDE BY DE FACTO LAW ... ONLY DE JURE LAWFULNESS.

ALL BANKS ARE COMMITTING FRAUD USING DOUBLE-ENTENDRE IN THEIR CONTRACTS ... LAW 101 CLEARLY STATES THAT IF THERE ISN'T A MEETING OF THE MINDS THEN THE CONTRACT IS NULL AND VOID. 
ALSO, XXXX HAS BEEN PASSED. ALL DEBTS ARE NOW FORGIVEN. 
ALSO, ALL DEBTS ARE FORGIVEN DURING WARTIME. 
I AM NOT A PERSON... I AM A XXXX  BEING... NOT A CITIZEN OF THE CORPORATE UNITED STATES. 

" MORTGAGE '' MEANS, " DEATH PLEDGE. '' NO BEING IS ALLOWED TO MAKE A DEATH PLEDGE.. 
NOT LAWFUL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: AZ
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:
in accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A section XXXX : 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 explanation
Consumer complaint received 2022-03-10
Company: EQUIFAX, INC.
State: TX
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 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 response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
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:
I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information  which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 
Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX  {$570.00} XXXX XXXX XXXX   {$0.00}

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 2017-06-21
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was the victim of identity theft in XXXX 2017. I have called XXXX XXXX XXXX XXXX and XXXX XXXX to let them know I did not apply for cards with them but it was identity theft. After 30 days of not hearing back I then mailed them letters stating that I did not try to open an account and I wanted them removed from my credit report. Sadly, I have not heard back from XXXX of the companies above in reference to this or how they are going to remove from my credit report?

Company response to consumer: Closed with non-monetary relief