BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I, XXXX XXXX, am a federally protected consumer and natural person, I am aware of all rights that I have under federal law, which are protecting me by The Congress under the Fair Credit Reporting Act ( FCRA ). As a consumer reporting agency you have violated my consumer rights to privacy and confidentiality under 15 USC 1681 by furnishing the following accounts to MY consumer report. 
1. Account Name : XXXX XXXX XXXXXXXX Account Number : 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 2. Account Name : XXXX XXXX XXXX Account Number : 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 an account without my written instructions Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX XXXX XXXX, XXXX Account Number : 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation 4. Account Name : XXXX XXXX XXXX, XXXX Account Number : 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 an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-18
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I exchanged XXXX  for XXXX  on Coinbase and then transferred my entire XXXX  balance. Coinbase showed my XXXX balance dropping to XXXX, as expected, but the transfer was never received by the destination wallet. 

Oddly enough, Coinbase still shows the $ value of my assets as if it includes the XXXX  balance, but the XXXX  balance is at XXXX. 

As usual, it is impossible to contact Coinbase. I've tried via email, XXXX and phone. 

It is also impossible to view a transaction history on their platform, which I can only assume breaks some financial reporting laws. 

As of this point in time, there is over {$30000.00} missing from my account with no way to recover it or discuss with Coinbase. 

In the attached screenshot, you can see that my total account value is almost double the sum of my holdings, due to the missing XXXX  holdings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
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:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681 and they violated my rights numerous times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX MORTGAGE SERVICES- EQUIFAX MORTGAGE SERVICES - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX MORTGAGE SERVICES EQUIFAX MORTGAGE SERVICES, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, IA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX MI XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX XXXX XXXX OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL XXXX XX/XX/XXXXXXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, IL XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
id theft on this loan please correct this i 've been trying getting no where

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 2020-06-10
Company: M&T BANK CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I have mortgage with M & T Bank still with my name. 
actually i had divorce XX/XX/XXXX by court order. 
and gave to home to exwife by court order. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX but exwife didn't refinance and used loan with my name. 
also she made quick claim to XXXX XXXX XXXX on XX/XX/XXXX exwife name : XXXX XXXX she gambled and she sold XXXX XXXX to mrs XXXX XXXX XXXX on XX/XX/XXXX new buyer Mrs. XXXX never bring money on quick claim only. 
home value around XXXX quick claim selling amount {$190000.00} loan balance around XXXX same as quick claim amount mrs XXXX made fraud property transaction Mrs XXXX has experience non profit service. 
so she knows how can cheating and quick claim. 
Mrs XXXX still use M & T Bank Loan with my name. 
new loan # XXXX my old name is XXXX XXXX XXXX my new legal name is XXXX XXXX XXXX XXXX and i find out deed transfer to mrs XXXX and still use loan with my name. 
i did complain to m & t Bank. 
bank said can not remove my name on loan. 
i believe fraud transaction that quick claim deed with another person loan. 
please investigate this case. 
mrs XXXX  still owned social service for public. 
XXXX XXXX at XXXX wa

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 2021-11-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The electronic file provided by Portfolio Recovery Associates as validation of debt for account # XXXX has a balance at the time of sale of {$2.00}, XXXX is erroneous because it includes a {$38.00} late fee overcharged. Because the balance at the time of sale is incorrect it automatically INVALIDATES the electronic file mention above. With this been said Portfolio Recovery Associates is in violation of section 809 ( b ) of the FDCPA because they had failed to provide proper validation of debt. Attach to this dispute I am providing you with 1 ) The electronic file provided by PRA as proof of validation which shows the erroneous balance at the time of sale read above 2 ) Copy of Last Statement which shows the right amount of {$2600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
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 status incorrect

Complaint:
I lost my job due to my XXXX and I could not pay my auto loan since XXXX. According to my credit report the loan are still active. XX/XX/XXXX the account was opened and is purchase in MN from XXXX XXXX. According to MN the statue of limitation for auto loan debt is XXXX years and XXXX keeps reporting it as a current loan and it keep saying derogatory. 
I am still disable and trying to catch up and pay my old bill, I have not been driving a car since XXXX when the credit company keeps reporting negative feed back from my history. From XXXX my credit is score is XXXX and currently have XXXX and trying to rebuild my credit to get myself a car for my transportation to get better for my XXXX. 
I do not know what to do anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I renegotiated a mortgage wth M & T Bank during a bankruptcy proceeding.I have made prompt payments for over two and a half years on the new loan. The Bank refuses to send any information to the credit reporting bureaus depriving me of any credit rating. The bank during this time tried to collect illegal fees of over {$6000.00} that I had to hire an Attorney to get them to rescind. They now want a recommitment agreement which would put that fee back in play in order for them to report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions 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 have disputed this account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX Assets with all three credit bureaus providing documents showing that the account has been paid in full. They have refused to update my credit report with no late payment as well as account being paid in full. I have also filed a complaint with Texas Attorney General 's office against creditor. Please see attached documents.

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 2020-07-08
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:
I have noticed false reports on my credit history and I would like them removed as soon as possible. This is causing horrible outcomes with loans and my current employment!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have a credit card with XXXX bank still sowing open and was put in collection without my knowledge. I just find out this by checking my credit report. I will never knew if I do n't check and be hurt to getting anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: EQUIFAX, 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 XXXX. Account XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, Account XXXX XXXX XXXX  # XXXX have 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I made {$650.00} online purchase on XXXX for an XXXX in XXXX ( posted on XX/XX/2020 ), which I think is entitled to 10 % credit as advertised, but I did not get it. I tried to message the customer service and got the reply on XX/XX/2020 as follows, " Our records indicate that the purchase of {$650.00} on XX/XX/2020 ( XXXX/XXXX ) did not qualify as an online purchase. 

Our records indicate that you did not make any qualifying purchase for the below offer during XX/XX/2020 - XX/XX/2020, therefore no credit was awarded for XXXX and you did meet the minimum threshold ( {$610.00} and {$610.00} ) of the promotion during XX/XX/2020 - XX/XX/2020 and XX/XX/2020 - XX/XX/2020, therefore {$60.00} and {$60.00} credits were awarded for the below offer for XXXX and XXXX. 

Offer : You can earn 10 % back in statement credit up to a total of {$60.00} each month for total eligible ONLINE purchases that are made each month to your Sears Mastercard and from XX/XX/2020 and XX/XX/2020. '' It is weird that they think my online purchase of XXXX on XXXX is not an online purchase. If this is not an online purchase, I don't know what is an online purchase? What is the definition of online purchase? 

For clarity I have attached my invoice of the purchase for your reference.

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 monetary relief
Consumer complaint received 2016-07-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
This will be another attempt to get Portfolio Recovery associates to remove the erroneous collection they have reported to the credit bureaus. They are stating that the account ending XXXX with a social security number ending in XXXX is being correctly reported. I have NEVER had a XXXX XXXX account nor does my social security number end in XXXX. It ends in XXXX. Can they please remove this ONCE and FOR ALL?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
To whom it may concern I have taken Portfolio Recovery to court in XX/XX/2013 for invalidated debt and I won the case - it was discontinued without prejudice and yet the account is STILL on my credit report - I have subsequently tried to sue them, send them a certified letter to the address on file with credit bureau and it was returned with " not deliverable as address vacant '' I am enclosing BOTH of these forms - Can you please help assist in taking these off my credit reports - Thank you -

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX at the XXXX XXXX WellsFargo branch in XXXX California bullied me into accepting Wells Fargos terms of service. I felt unsafe and threatened but had no choice but to follow his directions.

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 2021-11-18
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Rewards

Complaint:
I have been a Barclaycard US customer since XX/XX/XXXX, carrying their then-XXXX mastercard. When the card switched to the AAdvantage card in XXXX 2015 due to the XXXX Airways/XXXX XXXX merger, I was informed by mailer that my annual benefit ( associated with an {$89.00} annual fee ) of XXXX companion airline tickets would not be continued. I called the card issuer XX/XX/XXXX to see if this benefit could be extended, and if not, to cancel this credit card. The agent I spoke with told me that I would in fact be issued XXXX companion certificates, and she even offered to wave my annual fee as an added incentive to keep my business. My annual fee was in fact waved, but I was never issued the companion airline tickets ( approx redemption value {$800.00} ). When I called today, I was informed that I would never be issued these benefit tickets, essentially that my business had been retained by making false statements. Without the assurance that my benefit of XXXX annual companion airline tickets, I would have canceled my credit card and sought an alternative provider. The Barclaycard reps that I spoke to today ( XXXX levels of supervisors ) all attempted to sell me more expensive products in some perverse attempt to provide me the earlier-promised benefit, but at a cost to me. As I look to purchase airline tickets for holiday travel for my family, I am now going to have to spend an additional ~ {$800.00} that I otherwise would not have had to spend out of pocket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-23
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a credit card with Barclay Card USA which I asked them for full balance for payoff so I could close the account several months ago. I paid the amount they provided as the payoff and closed/canceled the credit card. I received a bill today from the credit card company and when I called them about it they would not provide me any information. Once I paid off the payoff amount they provided and canceled the card then nothing should have charged my account.

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 monetary relief
Consumer complaint received 2022-07-21
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: Information belongs to someone else

Complaint:
I received a phone call From XXXX ( XXXX ) XXXX stating that someone had applied for a XXXX XXXX card in my name. I checked my credit report and saw the inquiry but i did not do the application. They left a message telling me to call ( XXXX ) XXXX and upon speaking to them i did give them my social security number to verify the account. They said it was denied and that i should get something in the mail. Later i googled the number and saw it associated with a scam likely forum. Im now very concerned for myself and my credit as i gave them my social security under the impression that it was XXXX XXXX card services.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: MA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Did not sign for loan and my name was listed on the account. I called and was told that Wells Fargo could not do anything about it. The loan was for home improvement that my husband opened. My signature was not given. I had to pay off the loan of {$7000.00} so that my credit would not ne harmed.

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
Consumer complaint received 2016-04-28
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Other

Complaint:
In XXXX 2015, I mistakenly missed to make a payment with my Barclays card. I never missed a payment before, however in that month I was going a personal issues and stress out, such my partner losing his job and my son having medical issues. I honest forgot to make my payment. I say that not to justify why the payment was late, but rather to show that the late payment are not a good indicator of my actual credit worthiness. I hope that Barclays is willing to work with me on erasing this mark from my credit reports.

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 2015-03-27
Company: ORG GC GP Buyer, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I closed my account with XXXX and in my conversation on the phone I asked if this was the last payment I owed. They responded yes and I promptly paid my last bill. XXXX then stated that I needed to send their equipment back to them or I would be charged. They wanted me to get on my roof to take off a part of the actual XXXX. I told them I was physically unable at the time to get on my roof. I promptly returned the rest of their equipment and I paid the shipping costs. A few weeks later XXXX contacted me and said they made an error in billing and that I stilled owed them {$100.00}. I told them my account was closed and to listen to the recorded conversation that I had with their last customer XXXX To this day they contend that I still owe them which I do not. I have contested this fact from the beginning and I REFUSE to pay this bill. Please help in getting this removed from my report.

Company response to consumer: Closed with explanation