BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-23
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase.com on XXXX my account was hacked and ~ {$15000.00} dollars was withdrawn to an external bank account. This bank account was added by the hacker. This was not simply a stolen cryptocurrency transaction. The hackers converted all my crypto holdings to USD and withdrew them to their bank account. 

Coinbase support is non-existent. I have gone through their proper channels with filing a support claim only to get canned response emails telling me to secure my account and verify my identity ( i did ). Dozens and dozens of emails attempting to obtain more information about the hack have been fruitless. 

Coinbase has not responded to requests to send me the uncensored bank account information which my USD was withdrawn to. All records refer to this account as ( for example ) XXXX. 

My account has app based 2 factor authorization required to withdraw anything from my account. I believe coinbase has fundamental security flaws which led to this theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: Credit Karma, LLC
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:
security breaches since XX/XX/XXXX It's not safe to use these passwords Stop using them ASAP especially for accounts that have sensitive info ( like your banking app or email ).

Exposed password XXXX Exposed password XXXX   Exposed password XXXX Exposed password XXXX 20 data breaches Review the breach details to see what happened and what you should do about it now.

XXXX Reported XX/XX/XXXX Verifications.io Reported XX/XX/XXXX Collection # 4 Combo List Reported XX/XX/XXXX XXXX Antipublic Combo List Reported XX/XX/XXXX Collection # 2 Combo List Reported XX/XX/XXXX Collection # 1 Combo List Reported XX/XX/XXXX Not Disclosed Reported XX/XX/XXXX Combolist of XXXX XXXX Credentials Reported XX/XX/XXXX Exploit.in Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX Email Data List ( Email List ) Reported XX/XX/XXXX XXXX XXXX XXXX   Spam List Reported XX/XX/XXXX Anti-Public Combo list Reported XX/XX/XXXX XXXX XXXX XXXX Reported XX/XX/XXXX XXXX XXXX ReportedXX/XX/XXXX XXXX Reported XX/XX/XXXX  Not Disclosed Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX  XXXX Reported XX/XX/XXXX XXXX Reported XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: RFNA, LP
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have tried to work out a payment arrangement with this company and the collection manager, refused to accept my payment arrangement. 

She has threatened to sue me on numerous occasions. She refuses to work out an arrangement with me because I can not pay what she has demanded from me. 

She have caused me XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
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: Credit inquiries on your report that you don't recognize

Complaint:
To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help.
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Equifax shows XXXX disputed XXXX disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Hi, my name is XXXX XXXX. On XX/XX/2021, 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 Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have contacted TransUnion Credit Bureau via mail and phone to have unauthorized inquiries removed from my credit file. The customer service representative would not transfer me to an U.S representative as I requested, and also would not assist me in addressing inaccurate info on my credit report. The following inquiries being reported were not authorized by me, I have no knowledge of speaking to or applying for credit with them. XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX ( XXXX/XXXX/XXXX ) XXXX ( XX/XX/XXXX ) XXXX ( XX/XX/XXXX XXXX XXXX XXXX ( XX/XX/XXXX) I am requesting these items removed or verification that my information was pulled for a firm offer of credit, employment, or court order as stated by FCRA these are permissible reasons to pull someone 's credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: VW Credit
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I paid off the total balance in XXXX XXXX and as today ( XXXX XXXX XXXX ) it appears in my credit report that I have an outstanding balance of {$18000.00}. The last date reported was XXXX XXXX XXXX and the last payment reported was on XXXX XXXX XXXX. This incorrect and dated outstanding balance is damaging my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
equifax is reporting inaccurate information on my file after this complaint my next course of action will be to sue. I have never lived at the addresses that they have listed for example XXXX XXXX XXXX XXXXXXXX georgia XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA, XXXX, OR XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA OR XXXX XXXX XXXX XXXX, GA XXXX. MY identity was compromised years ago and theyre police reports to prove it and i have only stayed at XXXX XXXX XXXX XXXX ga XXXX and i have been their for over 22 years this is a violation and it has hurt my credit report please have equifax to delete the

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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:
In accordance with the Fair Credit Reporting act Convergent Account Name : XXXX Account # : XXXX High Balance : {$1300.00} Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX Account # : XXXX Account Name : XXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXXXXXX Account # : XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-19
Company: LoanCare, LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My monthly loan payments ( w escrow ) are made from XXXX XXXX XXXX XXXX from XXXX. KS through their bank webpay. This process has been ongoing without issue until XX/XX/XXXX. The usual payment of {$1400.00} was sent from XXXX XXXX XXXX XXXX as usual into LoanCare and was cashed on XX/XX/XXXX. Loan Care claims that they didnt received the payment???? I became aware that the payment was past due in early XXXX in reviewing my monthly statement. Since early XXXX I have called loan care ( XXXX XXXX ), I have emailed them, I have even attempted to get assistance over social media. The last email I received asked for copies of the cashed check ( front and back ), of which I informed them the bill pay does not use actual checks, the payments are made electronically. I also received an email stateing that they just received a XXXX check on XX/XX/XXXX, however that was the XX/XX/XXXX mortgage payment ... .that was not the missing payment. ( XXXX ) I have used what savings I have to bring the loan current, however loan care seems un-interested in finding my missing payment and I am reaching out for assistance. As a XXXX Veteran I can not afford to have this amount of money be stolen from my family. XXXX, My property manager is XXXX XXXX of XXXX XXXX. These are his banking documents from XXXX XXXX XXXX XXXX. Their phone number is ( 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 explanation
Consumer complaint received 2017-08-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I called XXXX XXXX to just have my address changed. Apparently the representative reported the card as lost/stolen closing the account resulting in my credit score to decrease 50 points! I called the bank numerous times to have this fixed. On one attempt the representative said she would add a note to the account for the next report. I saw on my report where the remark was added & account was removed. Now a month after the same account has beed re-added resulting in my credit score decreasing 50 POINTS AGAIN! I contacted XXXX XXXX & the representative said he is unable to help so he will transfer me to a supervisor which was clearly of NO HELP either! The supervisor showed no type of remorse or care regarding the situation. I was told they will have to listen to the first call about the address change & was unable to do so at that time so I will have to wait 72 hours! This is absurd! I have worked hard to maintain GOOD CREDIT to have it ruined NOT by non/late payment but by people who clearly do n't know how to do their jobs.

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 2022-02-16
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I traded in my car early with XXXX XXXX Kia in XXXX on XX/XX/XXXX. It was a quick process but they made mistakes on paperwork so I had to miss work to go back on XX/XX/XXXX to resign documents. I begin receiving calls from Kia Finance in XXXX because the loan was never paid off after the trade in. I continued to receive calls from Kia Finance and letters for several months. I called the dealership several times, no one answered or returned my calls. 

I spoke with salesman XXXX XXXX in XXXX in an attempt to solve the issue. After receiving a check for pay off difference I received a call from another employee on XX/XX/XXXX who told me that they attempted to pay off the vehicle but the payment was sent back to them. I was told that the check was sent by mistake and that they still hadnt fully paid off the vehicle. 

I continued to receive daily calls from Kia Finance telling me that I was responsible for the debt. The last call I received was on XX/XX/XXXX when I was informed that the dealership improperly grounded the vehicle upon trade in and that I was still responsible for the debt, despite not having the car in my possession since XX/XX/XXXX. 

As of XX/XX/XXXX, the vehicle was finally fully purchased by XXXX XXXX Kia, however, the process was grossly mishandled by the dealership. XXXX XXXX Kia failed to properly ground the vehicle and pay off the remainder of the lease in a timely manner despite signing off on documents stating that I was no longer responsible for the car.

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 2020-08-24
Company: ALLY FINANCIAL INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
An unauthorized inquiry was made by Ally financial on XXXX XX/XX/2019. They have no signature of me or my consent to pull my credit. They cant verify how they were able to pull my credit report.According to FCRA if they cant prove it, they must remove it. I am extremely stressed because im in the process of buying a home and im unable to do so because of Ally financial inquiry.

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 2019-11-26
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 


XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CARD SERVICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
SHELLPOINT MORTGAGE - XXXX This account was NEVER late. A modification agreement was executed and finalized in XX/XX/2021. Agreement paperwork was provided from Shellpoint mortgage which is attached. My payments were made " As Agreed ''. The late payments reported in 2021 need to be removed as per our final agreement. This is preventing me from getting the credit I deserve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 sent letter to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XXXX, XXXX and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX Balance : {$200000.00} XXXXXXXX XXXX Balance : {$180.00} XXXX FCU XXXX Balance : {$860.00} XX/XX/XXXX XXXX XXXX XXXX Balance : {$23000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXXuired on XX/XX/XXXX XXXX XXXX XXXXred on XX/XX/XXXX XXXX  NA Inquired on XX/XX/XXXX 2021

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 2022-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX Account Name : XXXX Account # : XXXX, Account Name XXXXXXXX XXXX XXXX Account # : XXXX Account Name : XXXX XXXX Account # XXXX XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX  Account # : XXXX Account Name : XXXX XXXX Account # : XXXX Account Name : XXXX  XXXX Account # : XXXX Account Name : XXXX XXXXL Account # : XXXX Account Name : XXXX Account # : XXXX has violated my rights. 

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: GA
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:
The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. All items listed should be blocked, removed and suppressed for these are fraudulent and inaccurate. Fraudulent Accounts : XXXX XXXX XX/XX/XXXX {$3500.00}, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$3900.00}, XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00}. Inquiries : XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/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 2017-08-19
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
In XXXX I revoked a Navient authorization to direct debit my bank account. Navient continued to automatically withdrawal the money anyway. I called and complained and they put it back. I never agreed to direct debit again. In XXXX through XXXX, in order to fraudulently induce me to provide direct debit to my bank account, the collections team promised me 3 % interest on my private bar study loan. I agreed to these terms and granted direct access again to my account. Thereafter, without warning or notice, Navient increased my interest rate to 14 % as on XXXX XXXX and continued using the fraudulently procured direct debit access I provided under the false premise the loan interest rate was 3 %. On XXXX XXXX XXXX, I called Navient irate, and told them I never agreed to the 14 % interest rate and they are demanded to immediately cease all direct debits. I followed with a written email for proof. They continued debuting my account on XXXX XXXX, XXXX. This is blatant fraud in the inducement and theft. They need to be help accountable for this unlawful conduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
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 am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA 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