BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-21
Company: I.C. System, Inc.
State: TX
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 a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-06-06
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On the morning of XX/XX/2022, my cell phone services was mysteriously turn off. I called my cell phone service provider and was told that there was a glitch in their systems. Moments later I tried to log into my bank accounts, emails and stock accounts. The only account that I was unable to log into was Coinbase App. For some reason I was lock out. Later that night I tried again to gain access to my Coinbase App account and I receive a message on the Coinbase App saying I had to wait 24 hours to sign back in to change my password. After waiting 24 hrs and receiving an email from Coinbase about my account recovery I notice that there was over 100 other emails from Coinbase stating that I sold and transferred almost {$16000.00} of Crypto from an Coinbase Pro account. Problem is I never had a Coinbase Pro account. I reach out to a representative at Coinbase around XXXX XXXX on XX/XX/2022 to try and resolve the issues. I was assign case # XXXX and was told to complete an identity verification process, which will take another 48 hrs to to be verified. Tired and stress I waited to the next morning to complete the verification process. Not shortly after I recieved an email stating they was unable to verify my identity. I call Coinbase again in regard to my id and the fraudulent transfers on my account. I recieved and email from Coinbase stating that an hacker had access to my password, XXXX XXXX security codes and my email via a hyperlink sent from Coinbase. On XX/XX/2022 I received an email from Coinbase stating my account recovery was successful and I was able to sign into my Coinbase account. On XX/XX/XXXX, I spoke to another Coinbase Rep and ask how was my crypto transfer from a Coinbase Pro account and which I dont have. This representative seem to be helpful but somehow our phones connection was disconnected. Shortly right after, I recieved an email with case # XXXX stating our phones was disconnected. I immediately call right back and was transfer to another rep. And again our phone connection was disconnect. Also recieved and email with case # XXXX stating our phones was disconnected. Seem odd to me that our phone connection was being disconnected. I called Coinbase a couple of more times to try to resolve this issue and all they keep saying is that once crypto crosses over a block chain there is nothing that they can do. I have been told by at least 2-3 Coinbase representatives that they see that I do not have a Coinbase Pro account. And one representative ask me how did I know the my crypto was transfer from an Pro account. I told the rep again about the emails. This has been a very stressful time for me dealing with Coinbase. It is not a coincidence that my phone services was turn off the same day and time my Coinbase account was hack. This statement is true to the best of my knowledge, as I was very stress at the time trying to remember the order that these events toke place was hard.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, 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:
XXXX XXXX is reporting an account on my credit. XXXX  XXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
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 Account # XXXX has violated my rights. 

15 U.S.C1681 section 602 A. States I have the right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-06
Company: Affirm Holdings, Inc
State: DC
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:
I used AFFIRM to purchase shoes from XXXX XX/XX/2022 for over XXXX the shoes that arrived weeks later were clearly defects and not in standard condition. nothing of the shoe 's defects were stated in the ad. I raised issue with XXXX via chat 6 minutes after delivery, stating clearly that these shoes were highly unacceptable and that I did not want these shoes in anyway. I then notified Affirm and activated a " chargeback '' XXXX proceeded to XXXX me, stating that there is nothing that i can do about, they will not accept a return and that the only recourse was that I RESELL through them to someone else as they make profit again from the shoe. this practice is extremely low and dishonest. i've been fighting for the past few months to receive my refund. I reached out to Affirm, the credit card I used and sent them copies of the email where XXXX admits to the defective shoe sale. Affirm offered no protection to me as consumer, most likely because they are getting paid from the sale as well. both companies are extremely untrustworthy. 

Affirm asked me for evidence ( pictures and email where XXXX admitted to the defective item ). I provided Affirm with everything they asked for.. yet they decided that it was within XXXX 's parameters to sell me defective and fake shoes. I then found out that Affirm considers XXXX a " retail partner '' so i see why they decided to side with XXXX  in this matter. I have 2 recorded phone calls from Affirm, where their own supervisors are shocked at the decision of the resolutions team, seeing the evidence that was provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
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:
XXXX XXXX is reporting an account on my credit. XXXX  XXXX, the original creditor mistakenly sent this to collection even though I was covered by insurance. Out of good faith, I satisfied the balance and was told the account will be removed from my credit but it has yet to be done. Please delete this account from my credit.

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 2022-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 numbers, has violated my rights. 
XXXX Account XXXX XXXX XXXX. XXXX Account # XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX. XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX XXXX ACCOUNT # XXXX XXXX Account # XXXX XXXXXXXX XXXX XXXX Account # XXXX 15 U.S.C. 1681 Section 604 A States that I have right to privacy.

15 U.S.C. 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish a account without 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 2022-08-22
Company: Experian Information Solutions Inc.
State: OH
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. 
XXXX Account # XXXX, has violated my rights XXXX Account # XXXX, has violated my rights XXXX XXXX  XXXX # XXXX, has violated my rights XXXX XXXX  XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX  XXXX XXXX XXXX, has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX  XXXX XXXX XXXX has violated my rights XXXX XXXXXXXX, has violated my rights XXXX XXXX XXXX  XXXX, has violated my rights 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 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 & XXXX XXXX, and 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 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 2022-06-06
Company: Amsher Collection Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a business cell phone account with XX/XX/XXXX in the past. After being a customer for 7 years and had so many issues I decided to close my account and move all my lines to another company. 

At that moment I had a balance of XXXX corresponding to EIP phone installment plans, which was paid in full on XX/XX/2021. 

In order to close my account and unlock my numbers the amount had to be paid in full. 

7 months later I'm receiving a collection letter from Amsher Collection Services , IncXXXX stating that I owe a balance of {$760.00} to XXXX which is impossible considering my account was succesfully closed after my full balance was paid. 

I contacted this agency by phone to explain this and no one was able to verify this debt. Now this collection has been reported to the 3 credit bureaus affecting me a lot since I'm getting prepared to buy a home in the next 4 months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: EQUIFAX, INC.
State: MS
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:
Hello, I am writing this complaint after reaching out to the lenders to correct incorrect information on my credit reports. I also want to complain that these companies are not following the mandates as set by the Cares Act for fair reporting. The accounts in question are with XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX XXXX. These accounts have inaccurate information across all 3 major credit bureaus. Ive sent letters to the bureaus to dispute these inaccuracies as my right to do so as stated in 15 U.S.C section 1681 i ( a ). In addition, these accounts fell delinquent in 2020 during the COVID pandemic. Accommodations and communications were made with each of these lenders. All accounts are now paid as agreed but past delinquencies are still reported on my consumer reporting. It is my understanding that according to Cares Act, if accommodations have been made and accounts are current. All delinquencies from XX/XX/2020 should be reported as current. My resolution is that all these delinquencies be removed from these accounts that fit this criteria. 

The file attached comes from the XXXX website about credit Reporting under the Cares Act

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: EQUIFAX, INC.
State: NC
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:
Please be advised this is my FOURTH WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided 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. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account NamXXXX XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX Account Number : XXXX ; Account Name : XXXX XXXX XXXX  XXXX Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; Account Name : XXXX XXXX, Account Number : XXXX ; Account Name : Unknown, Account Number : XXXX ; Account Name : Unknown, Account Number : XXXX ; Account Name : XXXX, Account Number : XXXX ; and Account Name : XXXX XXXX, Account Number : XXXX Reason : pls verify and validate all data for this account, every notation, dates, and balances, whether reported or not and I would like to be provided proof the method for which you are verifying as well as the exact details that match because without exact matches this account must be removed immediately as per FCRA XXXX On top of it, this is a collection account, and the collector needs to prove that this debt can survive collection, that they own this debt and the extent to which they can collect this debt and that all their details match the original creditor. Without it, must be removed. * Please remove all non-account holding inquiries over 30 days old. Thank You, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
1. The following personal information is incorrect Former : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX  XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Employers : The following personal information is incorrect Employers : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. The inquiry was not authorized XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX US SM BUS ADMIN ODA 5. The accounts are fradulent. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Hello, I am writing this complaint after reaching out to the lenders to correct incorrect information on my credit reports. I also want to complain that these companies are not following the mandates as set by the Cares Act for fair reporting. The accounts in question are with XXXX XXXX, XXXX ( XXXX ), and XXXX XXXX XXXX. These accounts have inaccurate information across all XXXX major credit bureaus. Ive sent letters to the bureaus to dispute these inaccuracies as my right to do so as stated in 15 U.S.C section 1681 i ( a ). In addition, these accounts fell delinquent in 2020 during the COVID pandemic. Accommodations and communications were made with each of these lenders. All accounts are now paid as agreed but past delinquencies are still reported on my consumer reporting. It is my understanding that according to Cares Act, if accommodations have been made and accounts are current. All delinquencies from XX/XX/2020 should be reported as current. My resolution is that all these delinquencies be removed from these accounts that fit this criteria. 

The file attached comes from the XXXX website about credit Reporting under the Cares Act

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 2022-06-23
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Greetings Because I lost my debit card, I decided to apply for a credit card through Truist Bank. I have been banking with this organization for over 40 years. ( Formerly BB & T ). I received a notice via email that I was denied the credit card. I have also received written correspondence which was supposed to inform me of the reasons for denial. I have received this correspondence yesterday, XX/XX/2022. My credit score is XXXX via XXXX and XXXX via XXXX. I have spoken with the bank, I have spoken with consumer credit card division at Truist. No one can tell me why my request has been denied. The only " credit '' we have is a jointly held mortgage. 
I receive social security, have a retirement account that has not been tapped, and a sizable savings account with Truist. 
I suspect that this is ageism. I am not at all happy. I honestly do not need the credit card, but am offended at the denial after many years of diligent monitoring of my credit and years of keeping close track of payments. I feel for the people who do not have such high credit scores and the difficulty they must have obtaining credit.

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 2022-06-21
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, my son XXXX attempted to transfer XXXX to me via XXXX XXXX. He and I both had Chime Accounts and the, money was sent between them. However, the transfer ended up at XXXX Bank versus being transferred to XXXX Bank. I am attaching the same information that I sent to Chime Bank and the XXXX XXXX XXXX, so that it can be reviewed by your agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: Experian Information Solutions 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 the accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 804 A Section 2 : It also states a consumer reporting agency can not fumish a eccount without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Seclion States : no consumer reporting agency may make a consumer report containing any of the following items of information Any olher ad item of information, olher than records of convictions of crimes which antedales the report by more than seven years.

1 I want the CFPB to publish this description on consumerfinance.gov Account # : XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # 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 2023-12-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief