BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-25
Company: Coastal Credit, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
credit inquiry, unauthorized on showing on credit report XX/XX/2018, called and sent in a certified letter to ask for verifiable authorization for running my credit report. I did not authorize any type of company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One requested information to verify my identity. My account has been frozen for two weeks. They refuse to believe its me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: MD
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 Friday, XXXX, I became aware of the Equifax data breach/hack that happened between XX/XX/XXXX and XXXX of 2017. Using their victim identification site, equifaxsecurity2017.com, I was listed as a potential victim. My information, along with the information of hundreds of millions of Americans, was clearly mishandled by Equifax and puts us all at risk of identity theft and the negative consequences of that. 

Furthermore, Equifax was negligent in its handling of alerting potential victims. Not only did Equifax not notify anyone quickly enough, it has admitted it will not notify everyone. Furthermore, credit freezing should be done free of charge and not require a police report to be free. It is absurd to require a police report when the damages of identity theft can occur much sooner than knowing a crime has been committed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
After the Equifax breach, I was informed by their own site that a vast amount of my personal private information was released in the breach. Their mishandling of my information puts me at risk for identity theft and at the very least I want to be able to freeze my credit before a problem occurs, rather than after a problem occurs when I would have a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
The breach Equifax reported Thursday, is, very possibly is the most severe breach of personal information. By providing full names, Social Security numbers, birth dates, addresses, and, in some cases, driver license numbers, it provided most of the information banks, insurance companies, and other businesses use to confirm consumers are who they claim to be. The theft, by criminals who exploited a security flaw on the Equifax website, opens the troubling prospect the data is now in the hands of hostile governments, criminal gangs, or both and will remain so indefinitely.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX I sold {$200.00} worth of XXXX in Coinbase and chose the " Instant '' sell option to send my payout money ( {$200.00} after fees ) to my XXXX account. I received a confirmation email that my sell of {$200.00} XXXX had started and the " estimated payout '' would occur on XX/XX/XXXX. I  checked my " History '' in my Coinbase account and that particular transaction says " COMPLETED. '' It is now XX/XX/XXXX and I have not received any payment from Coinbase to my XXXX account. I am growing alarmed because I have no idea where my money is. Coinbase does not provide clear information on this issue, their customer support XXXX is XXXX, and they do not provide customers with a tool or update to track the money. 

Would like to know where my money is, why I have n't received it yet, and when I can expect it to arrive. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
According to its website, Equifax 's recent cybersecurity breach resulted in the theft of my personal information. As best I can tell, the hackers have gained access to my name, address, social security number, date of birth, and possibly other personally identifying information that would be useful for identity theft. I have placed an initial 90 day fraud alert on my credit report, but there is little else that I can do at this point to prevent identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Chime Financial Inc
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX I contacted Chime Bank regarding transactions that I needed to dispute from XXXX XXXX XXXX They charged my Chime card twice. Once on XX/XX/2023 for {$99.00} and on XX/XX/2023 for {$43.00}. I canceled the order on XX/XX/2023 and the company refused to refund me my money unless I paid them {$99.00}. I never agreed to these terms nor have I received any products from this company. I called Chime bank and submitted dispute claim number XXXX and Chime bank still haven't issued me a refund for these fraudulently charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
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:
Hello, In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX aka XXXX  account # XXXX XXXX XXXX XXXX  XXXX acct # XXXX XXXX XXXX  account # xxx 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 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 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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hello, In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX aka XXXX  account # XXXX XXXX XXXX Bank XXXX acct # XXXX XXXX XXXX  account # xxx 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 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 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 2022-07-13
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 am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts witherroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response fromthem until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$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 non-monetary relief
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NC
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 submitting this complaint to delete the following fraudulent items in my file that are reporting on XXXX, Equifax and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX, XXXX, A ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$880.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$730.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: AMERICAN EXPRESS COMPANY
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:
On XX/XX/2020 I pulled my report at XXXX XXXX to qualify for a new mortgage, upon review it was shown that multiple accounts on my report were not mine. These accounts are the result of identity theft and fraud that was done in my name. 

These accounts listed on this federal affidavit are fraud, are the result of fraud and have no merit in my name. 

This includes ; XXXX XXXX XXXX {$300.00}, American Express {$2300.00}, XXXX XXXX - XXXX XXXX {$410.00}, XXXX XXXX XXXX XXXX XXXX  {$2900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
Due to bad security, leaked my SS, DL Number, DoB, and other identifying information. 

They knew and kept it quiet for multiple months, placing myself and others at unknowing risk. 

Their only offered fix is a 1 year protection, which requires waiving my rights to damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: U.S. BANCORP
State: WI
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:
XX/XX/XXXX US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX- US BANK-I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX/XXXX XXXX -- I DID NOT  AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT- I CURRENT HAVE A CREDIT CARD WITH THIS COMPANY BACK IN XX/XX/XXXX, THERE WAS NO NEED TO RUN MY CREDIT. 
XX/XX/XXXX- XXXX/XXXX I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX XXXX- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX US BANK -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX/XXXX  XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX -- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX XXXX I- I DID NOT AUTHORIZE THIS COMPANY TO CHECK MY CREDIT XX/XX/XXXX-XXXX ACCOUNT IS APPREARING TWO TIMES ON MY CREDIT REPORT, I ONLY ONE ACCOUNT WITH THEM AND THIS ACCOUNT HAS NEVER BEEN LATE. 
XX/XX/XXXX-XXXX/XXXX ACCOUNT NEVER PAID LATE ACCOUNT IS ALSO SHOWING TWO TIMES ON ACCOUNT, I ONLY ONE ACCOUNT WITH THEM.

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 2017-09-08
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
My personal information seems to have been mishandled which puts me and other consumers at risk ( XXXX XXXX XXXX ) .I am listed as a potential victim according to their equifaxsecurity2017.com website. Furthermore, according to the above article, the breach was discovered on XX/XX/XXXX, and several Equifax executives sold their stock in the next few days ( although indicating this had nothing to do with the information breach ). However, I was not notified until this point through my own investigation ( XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Experian Information Solutions 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 am XXXX XXXX, who is submitting this CFPB complaint, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$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 2017-09-08
Company: EQUIFAX, INC.
State: KY
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:
Information on my Equifax report was reportedly leaked to individuals without my consent. I was made aware by a press release on X/X/17.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
My personal information was included as part of the Equifax security breach, made public on XXXX-XXXX-2017 ( www.equifaxsecurity2017.com ). Equifax has mishandled my personal information and the information of millions of other people. In response to this security breach I am placing a credit freeze via all three major bureaus, at a cost out of my own pocket. Equifax is merely offering fraud alert services to affected victims, which does nothing to stop fraud and merely alerts people that Equifax 's lack of proper information handling is now affecting them. Equifax should offer free credit freezing to all affected victims and reimburse any victims that have paid for credit freezes out of pocket.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, 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:
On XX/XX/XXXX it came to light that the Equifax Credit Bureau suffered a security breach in XX/XX/XXXX which allowed attackers to access the " names, Social Security numbers, birth dates, addresses and drivers license numbers '' of potentially 143 million customers of the credit agency. In addition, " Credit card numbers for about 209,000 consumers were also accessed. '' My personal information ( and possibly that of 143 million others ) has been compromised due to the mishandling of said information by Equifax. This is unacceptable and should have never been allowed to occur on such a scale.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
Equifax suffered a data breach that affected 143 million people that are under its service. I used the tool on their page, XXXX XXXX XXXX, to check if this breach has any impact on my ( provided my last name and last 6 of my social security ), it seems that I am possibly impacted by it. All my information including social security number and financial information has potentially been leaked out by Equifax and this is unacceptable. Equifax is trusted with such vital information for such a large percentage of the population, and its unbelievable that a security breach like this was able to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT and I'm including it again. 

XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} XXXX : XXXX XXXX AUTO XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00} TransUnion : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$220.00}

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 non-monetary relief
Consumer complaint received 2020-02-13
Company: PNC Bank N.A.
State: MI
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:
Yes i missed my payment and pnc charged me a late fee but then i payed it off and it really hurt my credit score decreasing it by around 40points and i got charged a {$37.00} late fee or somewhere around that, i dont care much about the fee but im concerned about my credit score dropping that much off 1 missed payment. And all this happened on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-13
Company: WELLS FARGO & COMPANY
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
So on XX/XX/2020 I went into the Wells Fargo bank because I couldnt login into my account and I needed a new debit card. I came to find out that someone was using my account. And the lady told me that my account was considered a takeover. So I had them dispute 4 transactions with XXXX on the XX/XX/2020 {$500.00}, {$500.00}, {$1000.00}, {$500.00} And then there was over 6 transactions with XXXX XXXX XX/XX/2020 {$300.00}, {$300.00}, {$300.00}, {$250.00}, {$250.00}, {$250.00} and 3 more transactions with XXXX XXXX   on the XX/XX/2020 {$150.00}, {$150.00}, {$150.00} but they denied my claims. And I also told Wells Fargo that I wasnt even in town when the purchase were made. I offer to send them a copy of my airline ticket but they didnt care. And The lady also said that I could of planned it. And to stop lying because I was a XXXX and I was a theft and to go back to my country because I didnt belong here. They were super rude and XXXX to me. And I also got In contract with XXXX about the transactions and the reinsure me they had nothing to do with the transactions.

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