BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-09
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I transferred {$60000.00} to Coinbase via same day wire transfer from my XXXX XXXX XXXX business account ( XXXX XXXX XXXX ; account # XXXX ) on XX/XX/2017 very early in the morning.
My bank approved the wire and it went through.
I received an email from Coinbase later after midnight central time stating that my wire transfer has been reversed to my bank due to a name mismatch. My bank account name did not match with my Coinbase account because the wire transfer was made from my business account.
The email from Coinbase states I should receive my funds bank in one business day.
I have not received my fund at this moment. I have tried to contact them but no success. They have no phone number to call, no chat service with humans, but only emails which they have not replied to since Wednesday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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. for 15 U.S.C 1681 section 602 A. states I have the right to privacy. 

XXXX5 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 XXXX XXXX XXXX XXXX open balance {$8900.00} open XX/XX/2022 original creditor is XXXX XXXX XXXX XXXX 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. 

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 any reasons.

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 2017-09-09
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:
I am unhappy about Equifax 's negligence in securing their data allowing a recent exposure of my personally identifiable and sensitive information, and am now at risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, INC.
State: PA
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 Us Dept of EdXXXX Acct 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 2022-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 Us Dept of EdXXXX Acct 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 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 2022-06-18
Company: CURO Intermediate Holdings
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, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open end Consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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: Account information incorrect

Complaint:
According to 15 U.S.C. 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; XXXX XXXX XXXX is in violation of the FCRA, an account can not be reported as " paid in full '' while also reported as a collection/charge-off account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, INC.
State: NY
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XX/XX/XXXX/XX/XX/2017 that they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. 

They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. They are further attempting to capitalize on the situation by signing injured parties THEY are responsible for up for " trial periods '' of their ID protection services. 
They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement. 
I demand that they rectify this by making credit freezing free and refunding everyone who paid for it following this data breach. The negligent loss of personal information of nearly 200 million consumers is an unconscionable breech of ethical behavior by this company and it is further unreasonable that they are not directly notifying every single person affected by this regardless of their questionable " judgment '' of who to contact.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-10
Company: EQUIFAX, 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:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 
Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with. 
This should be rectified firstly by making credit freezing free and refunding everyone who paid for it following this data breach. Requiring a police report is absurd when they clearly know if you were affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
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 to the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of Education ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights .

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I am a victim of Identity theft. My ex husband had my information and opened a bunch of credit cards in my name. I never had the need for credit until I needed to utilize it to purchase my first rental property. I contacted the consumer reporting agencies and they disregarded my dispute. They are supposed to block and remove all the accounts as indicated on my Identity theft report and have disregarded me. This is defamation of my character as I never opened these accounts in my name. My ex husband has left the country and has left me with all of this fraud. I have so much fraud on my report I don't know what to 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 explanation
Consumer complaint received 2018-06-02
Company: Debt Recovery Solutions, LLC
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Collection agency is attempting to collect on a debt that has reached statue of limitations. The medical account became delinquent as of XX/XX/2011. The statue of limitations for my current state of residence, XXXX and previous state of residence, XXXX is six years. I have requested not to be contacted and the collection agency continues to do such.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: EQUIFAX, 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 to the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; US Dept of Education ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, 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 received a call from a student loan company several times a couple of days ago. They continued to ask me about the student loan account. I have never even went to school to have student loans. I pulled my own credit report and saw a various fraudulent accounts that did not belong to me. Please delete these accounts from my credit report. 

XXXX XXXX XXXX   XXXX {$5400.00} XXXX XXXX {$7100.00} US DEPT OF ED/XXXX/XXXX XXXX {$10000.00} XXXX XXXX XXXX {$7100.00} XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX {$15000.00} XXXX XXXX XXXX {$26000.00} US DEPT OF ED/XXXX/XXXX XXXX {$11000.00} XXXX XXXX   XXXX {$21000.00} XXXX XXXX XXXX   XXXX {$7300.00} XXXX XXXX XXXX {$12000.00} XXXX/XXXX   XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
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: Account information incorrect

Complaint:
While looking at my credit reports I have noticed inconsistencies with the information all three credit bureaus have. As you know, this is not allowed under my rights and also a clear indication that this information was NOT properly verified upon you receiving it. XXXX has XXXX, ACC # XXXX Balance of {$300000.00} as Date Opened : XX/XX/XXXX, however XXXX has the following info claiming to be accurate, Date Opened : XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$640.00}, as Date Opened : XX/XX/XXXX, Balance Owed {$8.00}, and Payment Amount {$8.00} ; however XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, Balance Owed {$17.00}, and Payment Amount {$9.00}, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX XXXX Account # XXXX Balance of {$100.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$190.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Date Opened XX/XX/XXXX, and Equifax is not reporting it at all. 

XXXX has : XXXX XXXX Account # XXXX Balance of {$20000.00}, as Date Opened : XX/XX/XXXX ; however, XXXX has the following info claiming to be accurate : Balance of {$19000.00}, and Equifax is not reporting it at all. 

If these are the same accounts, how is the supposed verified information listed on my credit profiles different from one another? 
This is not possible and because of this inconsistency, please delete the following accounts from my credit profile immediately. 

XXXX, XXXX # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX I also asked if they would update my personal information in their system, they have not done so. 

I asked for them to remove the fraud and security alert from my credit report and they have not completed that!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Experian Information Solutions Inc.
State: MI
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 following accounts have violated my rights : XXXX  Account # XXXXXXXX XXXX XXXX  Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # 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 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 2020-02-12
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: Their investigation did not fix an error on your report

Complaint:
Equifax continuously reports account # XXXX XXXX XXXX XXXX XXXX as accurate & updated. 

However account still reflects inaccuracies. 

Equifax currently reports that last payments was received in XX/XX/XXXX. A violation. 

However, this account was last paid in XX/XX/XXXX, of which my bank statements reflects. Please update or remove Account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: CHOICE CAPITAL FUND
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XX/XX/XXXX, I applied and was approved for a {$200.00} loan. Looking into the loan further, I noticed the interest rate is 660.01 % or a ( 1 ) time payment of {$61.00} and then ( 9 ) payments of {$120.00} for a total of {$1100.00}. Somehow this seems extremely high and should be illegal. Pay XXXX in interest for a {$200.00} loan is quite high to say the least. Is this really legal. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: AVANTE
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, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account Under an open end Consumer credit plan as late for and purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX of XXXX account # XXXXXXXX XXXX account # XXXXXXXX XXXX  account # XXXX Has Violated my rights. 15 U.S.C 1681 Section 602A. States I have the right to privacy. 15 U.S.C 1681 Section 604A 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 2020-02-12
Company: JPMORGAN CHASE & CO.
State: AL
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:
I was recently approved for a Chase Sapphire Preferred credit card with a credit limit of {$5000.00}. And my account was closed by Chase for absolutley NO reason. I have done absolutely nothing wrong at all. I have not opened up various new accounts recently, have a string of new inquiries and have never missed a payment on ANY account ever. I have submitted a copy of my birth certificate and Social security card to chase for verification of my identity, so I have done nothing at all to arise suspicion of fraud or not being who I claim to be. 

I would like to humbly ask for Chase to reinstate my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX, XXXX, XXXX, XXXX XXXX : Attempted to confirm receipt of payment. Did not go though. XXXX XXXX : Asked for reason why multiple attempts to update bank account were unsuccessful. No reason given. XXXX XXXX : Requested removal of authorized user. Rep stated that she tried but the system would not allow her to do so. Request employer is number or extension - Rep refused & said that anyone could assist

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-18
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I attempted to create an online account with Equifax to manage my credit freeze. The Knowledge-Based Authentication ( KBA ) questions were impossible to answer correctly because some either referred to data unrelated to me, or used data far too old for me to recall. After calling Eqiufax, I was told that because I was unable to answer the KBA questions, I was permanently prohibited from setting up an online account despite the fact that the Equifax agent successfully confirmed my ID by phone.

Company response to consumer: Closed with explanation