BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good afternoon : For more than 6 months I have been sending information to TRANSUNION to remove fraudulent information from my credit report. It is worth noting that they are, as of 47 inquiries and more than 5 collections. 
As of today XX/XX/21, I have sent seventeen ( 17 ) times the letters together with the police report for identity theft made before the XXXX XXXX  of XXXX, New York, in charge of Detective XXXX XXXX, and mysteriously they never arrive the XXXX, and when they arrive they say they are incomplete ( I must assume that according to transunion, the United States mail has opened my letters and takes information from them, which I doubt 100 % ) The worst thing is that every time I call transunion by phone, the operators ' response is the same : " your documents have not arrived, or the last document that arrived is unacceptable because it is incomplete. '' I think that this situation should be resolved and order TRANSUNION to remove from my credit report all fraudulent information that directly affects me as soon as possible, and in the event that it refuses to do so, condemn Transunion in any way for its incorrectness. proceed.

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 2020-02-28
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: Investigation took more than 30 days

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$16000.00}, {$3700.00}, {$0.00}, {$8800.00}, {$5400.00}, {$1000.00}, {$410.00}, {$9200.00}, {$2100.00}, {$5300.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXXand the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT -- 1. XXXX  XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX  XXXX XXXX with ACCT # XXXX  opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8800.00} -This is not my account. 

5. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5400.00} -This is not my account. 

6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$410.00} -This is not my account. 


-- OPPORTUNITY ACCOUNT -- 8. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9200.00} -This is not my account. 


-- COLLECTION ACCOUNTS -- 9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2100.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5300.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: EQUIFAX, INC.
State: AL
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
XXXX   XXXX     2017  I noticed an account the was previously removed was added back on without notification. This is not a valid debt and I should 've received notification that this debt was added back to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Coinbase, Inc.
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I sent a large amount of money from XXXX, a crytpo exchange to CoinBase, another crypto exchange. Roughly {$27000.00}. This was done on XX/XX/21. This was going to be used for me and my family as we are having a XXXX  child and my wife is quitting work. 

I sent this in the form of XXXX, and somehow I accidentally clicked to send it as XXXX ( XXXXXXXX XXXX XXXX  ) as opposed to XXXX, a common XXXX  that coinbase uses. So I had {$27000.00} in XXXX sent to my CoinBase XXXX XXXX. CoinBase does not " support '' XXXX. So my funds are currently inaccessible, even though they are sitting in a wallet controlled by coinbase. 

I have filed many support tickets about this and they simply give me these automated responses saying " make sure you check that we support the crpyto that you are sending ''. They in fact do not support XXXX, but the reality is that both XXXX and XXXX are XXXX XXXX tokens, and they CAN reverse the transaction. They hold the keys to the wallet that my {$27000.00} of XXXX is sitting in, NOT me. 

If you have the keys to a wallet with an XXXX token in it ( both XXXX and XXXX ) are XXXX tokens, then you CAN reverse this transaction. Many other exchanges do this for their customers, often for a fee, which would be fine with me. They are simply unwilling to do this. Maybe because the scale of their company that they get so many requests like this that it is not worth their time? I am not sure. But they have {$27000.00} of mine and are refusing to return it or even attempt to support me in anyway. I have done many searches on the internet about this and there are many people in the same situation as me. 

I believe coinbase has an obligation to their customers offer a service to reverse these unsupported crypto transactions. People make simple mistakes misclick a currency all the time, and to just expect that these people need to accept the lose of 5+ figure transactions is not OK. The fact is they CAN assist with this, they just won't for whatever reason. They must be sitting on millions and millions of " unsupported cryptos '' which they have the power to reverse. 

Please support me in this endeavor. I doubt my message alone will be enough to give them the kick in the XXXX they need, but I hope that with enough pressure they will realize they need to take action on this matter. 

Here is the wallet address that my {$27000.00} is sitting in : XXXX Here is the transaction hash : XXXX Please consider supporting me in anyway that you can, I have spoken to many in the same boat. This is not right, it's not ethical and probably not legal. 

Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: NCB Management Services Inc.
State: WA
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:
The collection company, NCB Management, has posted erroneous information to my credit reports. I wrote asking for validation of the debt and they only sent a computer printout in response. Their failure to adequately respond is a violation of the FDCPA per XXXX XXXX XXXX Law Firm, XXXX XXXX XXXX  Court, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My father died on  XXXX   XXXX ,  2016 . When I called to info rm Capital One B ank, they asked me a variety of questions, including my social security number. Unfortunately, I gave it to them. The next month a statement came with my name added to it. I have contacted them on several occasions to address the issue, but no one is willing to help me. I have asked that they send me individual monthly statements for the year    2016  so I can see exactly when they added my name. I believe it was in  XXXX ,  2016 . I have even asked for the contract my father signed to open the account. Now they are sending me out for collection. The amount they are seeking is {$810.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
As part of the usual annual re-certification process for income-drive repayment plans, I submitted requested documen ts ( t ax returns, etc. ) to FedLoan Servicing in order to have my new amount calculated based off last year 's income. All documents were submitted on time ( in  XXXX , for a new amount to take effect in  XXXX   ) . On  XXXX / XXXX / 17 , FedLoan sent an email notifying me that they had received my re-certification documents ( proof of email attached to this complaint ) for my repayment plan. Several weeks later, I called FedLoan for an update. No information was provided as to when I may expect the process to be complete. On  XXXX / XXXX / 17 , I again contacted  FedLoan  via email as to an update on the process. I have yet to hear back any respon se. My 12-  month  period for paying my current amount will cease this month, with a new calculated amount to begin  XXXX ,  2017 . Furthermore, and at the same time, I have had an issue with FedLoan re-certifying my employment. As this is a separate ( but still relevant ) issue, I will not go into details as it has since been remedied after a complaint to the BBB was filed. I have yet to receive any update whatsoever on my newly calculated monthly payment and a new amount is to begin in  XXXX . If a new amount is not calculated/entered into the FedLoan system, my payments will revert and sky-rocket thousands of dollars per mont h (  loans totaling  250k+  ). I need your help, as this is an ongoing and burdensome issue th at FedLoan seems to have zero interest in remedying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: WELLS FARGO & COMPANY
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I believe I was taken advantage of Wells Fargo Bank from XX/XX/XXXX to XX/XX/XXXX when they closed my account. I was being charged a multitude of overdraft charges during the entire time I had a checking account at their institution. Every month I would have a negative balance of at least {$350.00}. There was no way this was possible. What can I do get ANY of these funds returned to me?

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 2022-04-04
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX CASHNETUSA XXXX XX/XX/2022 {$720.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-25
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
This card was opened by someone else in my building due mail room non secruity. I have disputed that its mine 4 times and am making payments so it does n't hit my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: Medical Society Business Services, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Review of credit monitor service indi cates thon  on  XXXX / XXXX / 017   BUR MED RECON  placed  XXXX  medical accounts in collection. I 've received no notification from the collector by mail, email or phone. I do not recognize any of the items listed below. Because of the age of these accounts.     Collection item  # 1 1 ) Original Lender : Medical 2 ) Acct # :   XXXX   3 ) Age of acct : 42 Months 4 ) Highest Balance : {$200.00} 5 ) Amount Past Due : Not reported Collection item # 2 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 41 Months 4 ) Highest Balance : {$85.00} 5 ) Amount Past Due : Not reported Collection item # 3 1 ) Original Lender : Medical 2 ) Acct # :  XXXX  3 ) Age of acct : 31 Months 4 ) Highest Balance : {$99.00} 5 ) Amount Past Due : Not reported

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: Receivables Performance Management, LLC
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: Old information reappears or never goes away

Complaint:
I had an outstanding balance on an account with XXXX XXXX. My services was disconnected due to hardship. Once I got back up and running on my feet I had my services reinstated. By time that I did XXXX XXXX  had my outstanding balance with a collection agency. I proceeded to speak with a customer rep through XXXX XXXX   and they told me they can reclaim my account back from the collection agency and I can restart my services which I did. They proceeded to tell me that my name will be removed from this company and out of there system. As of today this company is still reported on my credit all they did was update my balance to paid in full which I did not pay them a dime. When I spoke with a representative from receivable performance they told me that the rep that handle all of my info with XXXX XXXX gave me false information and they wasn't going to delete it. I hate been told false information if that was true that should not have been told to me.

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 2020-02-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have two separate complaints. 

the first is, repeated phone calls from the following company. I will try to link correctly to the Virginia registry of corporate entities. 

https : //cis.scc.virginia.gov/EntitySearch/BusinessInformation? XXXX & XXXX XXXX XXXX This is the business called Portfolio Recovery in Virginia. They mailed me something that came yesterday, and I do have a screenshot of it if you're interested and my email is XXXX The mailing fails to properly say to the person they are seeking collection from that by not making any payment, depending on state law, they likely can not be sued XXXX statute of limitation expiration. 
Instead, the disclaimer states that even if you're in a state where by making a payment on the debt which is no longer collectible through legal action, they will not sue even if they are able. 

if you like the exact wording, again just contact me at my email address. I have a screenshot of that part of it or can include the entire document if you would like. As far as the phone calls go they continue to happen at least twice per day, usually during permissible hours and I have not yet sent a cease-and-desist letter. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-11
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was sent a  Chase Amazon  Rewards credit card for which I never applied, and with an {$8500.00} limit. When I called the number on the back of the card, I was transferred to a fraud protection organization. The representative said she was canceling the account but would not give  me ANY information, such as if other cards were opened on the same account, if the card was ordered in conjunction with an Amazon purchase, etc. The representative would only stick to her script. This makes me wonder if opening the account in my name was an inside job ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-28
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I want to report multiple violations that XXXX XXXX XXXX is committing to the Free Credit Reporting Act and to my rights as a consumer. Just to mention two serious violations, see below : 1. Incorrect opening date 2. Incorrect last activity date I am demanding this company to remove the item from my report. I am having psychological issues because of this situation. Please send the attached documents to I.Q. Data International, NC. 

Thank you so much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX 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 2022-04-04
Company: EQUIFAX, INC.
State: ME
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 number XXXX has violated my rights 15 u.s.c 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
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 number 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 2020-02-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2020 I walked in to the Wells Fargo branch located on XXXX XXXX XXXX, XXXX, CA XXXX and deposited 5 money order totaling {$2200.00} into my landlords account. On each money order there was an account number that belonged to my landlord. After receiving a receipt, it was discovered that the bank teller performed a key stroke error resulting in my funds being deposited into an account that belonged to an unknown person. After requesting this issue be resolved I was advised there was nothing that could be done by Branch Manager XXXX XXXX. She began to tell me that the error was discovered more than an hour later and as a result they are no longer able to reverse the transaction. I let her know I was unaware that there was an hour limit that has been set by the bank and explained it has been only 3 hours and the money order were still sitting at the tellers window with the correct account numbers written on them. She said she would be willing to file a claim, however, there is no guarantee that the issue will be fixed and unable to give a timeline. I placed a follow up on on today, XX/XX/2020, using the claim number provided to me and was advised by the representative the claim number is for an account that does not belong to me and as a result I am unable to inquire as to a resolution. At this moment, I am out of {$2200.00} with no one willing to rectify the situation that was caused by the branch teller.

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