BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
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:
In accordence with the Fair credit reporting act XXXX  Account # 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 It also states a consumer reporting agency Can not furnish a account without my written instructions XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX DISPUTES XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXXXXXX 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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have looked into my credit report with XXXX and they have false numbers, addresses, and show delinquent medical accounts that are showing they are in collections. And they are not. They will not remove or update these problems. Nor will they give me a copy of my full credit report. It is because of them that I have been turned down for credit in the past 2 weeks.

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 2022-01-05
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Here is my message to Coinbase ( COIN ) on my fraud/scam complaint : My Coinbase Cryptocurrency account ( COIN ) was hacked and used without authorization on XX/XX/XXXX and compromised my checking account registered through my account. The hacker made 20+ transactions/crypto-currency purchases through my checking account. Since then, I have locked my personal checking account with my banking institution, stopped two unauthorized large payments to Coinbase and eliminated my checking account since it was compromised. I have reached out to Coinbase phone customer support several times on the matter and now I am told that they must collect any outstanding payments from my account which in total is {$5200.00}. Before the hack on XX/XX/XXXX, my account balance was about {$420.00}. As of this writing, with my account locked, my new balance is at : {$3400.00}. With that said, I understand I should pay Coinbase back since it was from " dirty '' transactions by the hacker. But additional transactions where made tot total out at {$5200.00}, and according to Coinbase, with a difference of me owing {$1800.00} to them. 

With that said, I was the victim fraudulent activity and feel that I should not owe any more than was withdrawn from my personal checking account ( XXXX ) at the time to pay back in reversal to Coinbase. I would be glad to pay back what is owed in the amount of {$340000.00} - {$420.00} ( my last legitimate balance prior to unauthorized purchases ) = {$2900.00} in cryptocurrency I would pay back from my account to Coinbase. 

I was the victim of this account hack and now being penalized for an online criminal act was beyond my control. I now feel because of the distress and hardship I have been dealing with over the past few days of recovery, I am being victimized again by having to completely drain my Coinbase Account Balance in addition to {$1800.00} that I can not pay back. 

Therefore, I kindly ask that Coinbase credit me my original balance of {$420.00} ( balance before hack ) after auto-withdrawing and paying Coinbase back the approximate {$3000.00} difference in which I have no issues with.

If Coinbase can not come to a resolution in waiving the additional outstanding payback balance of around {$1800.00} + restore {$420.00} in account balance that Coinbase claims is owed by me, I may escalate the matter and seek legal action. 

Sincerely, XXXX XXXX x Coinbase is holding firm to their demand that I, as a victim of fraud, am solely responsible to pay-off all cryptocurrency transactions that were made by a hacker that was unauthorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: CITIBANK, N.A.
State: OH
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/XXXX I purchased an XXXX vacation from XXXX ( and XXXX XXXX leaving Monday XX/XX/XXXX and returning Friday XX/XX/XXXX. 

XXXX 's portion for 3 nights ( XX/XX/XXXX and XX/XX/XXXX was {$510.00} ). 

XXXX XXXX charged me {$400.00}, {$400.00}, {$20000.00} and {$200.00} for the flight and taxes for 2 tickets. 

XXXX XXXX flight XXXX was supposed to leave at XXXX Monday XX/XX/XXXX and was cancelled. The flight was rescheduled for Tuesday XX/XX/XXXX at XXXX. 

XXXX XXXX refunded both {$200.00} charges and refunded the taxes of {$51.00} from each of the {$400.00} tickets. I disputed the remaining {$350.00} x 2 = {$700.00}. 

I also disputed the XXXX hotel charge for {$510.00}. 

My sister had booked and paid for 3 days of tours. Tuesday XX/XX/XXXX was to leave at XXXX, Wednesday at XXXX and Thursday at XXXX XXXX. We would not have arrived in time for the Tuesday and Wednesday tours ( 2 of our 3 days of tours ) so we cancelled the trip because of the airline cancellation. 

We were not able to stay longer and the airline and hotel would have charged us more for adding days. I paid for 3 1/2 days of hotel and time in XXXX and was only going to receive 2 days and only 1 of 3 tours that could not be rebooked or refunded. 

I would like a refund for the services I paid for and did not receive. 

I did file a dispute with Citi Bank master card but received e-messages that the disputes were closed because I received a partial refund from XXXX XXXX. I was able to send additional information for the airline cancellation but CITI wanted confirmation from the airline that they would agree to refund all the money. The airline would only refund part of the charge. CITI closed the dispute. I believe my dispute falls under the fair credit act. I did not receive what I paid for. I paid for 3 nights hotel and my sister paid for 3 days of tours. We would have only received 2 nights hotel and 1 day of tours. 

CITI reversed both credits ( XXXX and XXXX XXXX ). I would like the {$510.00} XXXX and remaining {$700.00} charge from XXXX XXXX removed from my CITI card for services paid for but not received and beyond my control. 

I provided the proof from XXXX XXXX that the flight was cancelled and rescheduled more than 24 hrs later. I specifically used a credit card because of the added protection from goods and services not provided. 

I am attaching CITI Bank letters, my responses, XXXX total charge as well as XXXX XXXX email cancellation notice sent to my email. XXXX got rid of the breakdown charges in my account and all I have is the total. 

Sincerely, 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 2022-09-09
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to Experian and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) Experian and XXXX are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-06-19
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is the second complaint I have filed against this company. They continuously report a debt that has already been paid. I have requested validation that this was not paid and they have failed to do so. I have requested a bill supporting the charges for the services they claim have not been paid and they have failed to do so. I provided my proof showing the bill has been paid in full TWICE via mail and fax and this company has failed to remove their collection from my credit reports. ARS keeps sending me a letter with an invoice number and an amount owed and as I have told them multiple times THAT IS NOT VALIDATION! At this point if this is not removed I will be seeking legal representation for misrepresentation. This company continues to violate my rights under the Fair Credit Reporting Act by not providing me what I have requested. If ARS can not provide valid documents showing this was not paid, then I want it removed immediately.

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 2017-06-19
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Unsure of date, months ago they called and asked for me by name. I verified and they asked for my birthdate. I asked what it was in reference to and they said they needed my date of birth to continue. I told them I would not provide that and to send me a letter in the mail. They said they would send me mail but they have not done so since that phone call months ago.     They claim I owe a debt to a local hospital but I have no recollection of said debt. They call from multiple numbers in different states. Last call was  XXXX   XXXX  a t    XXXX   XXXX  , central time, from  XXXX .     Their last known address is Commonwealth Financial Systems , Inc .    XXXX   XXXX   XXXX .    XXXX   XXXX , PA  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
RE : Confirmation #  XXXX  I 'm complaining because Equifax have failed to comply with, furthermore wilfully ignored, my requests to provide me the documents that their company have on file that was used to verify the accounts that I wrote them to dispute. On  XXXX   XXXX ,  2017 , I sent them my dispute letter requesting that they verify all data for the disputed account and I 've yet to receive anything of the sort. Because its been well over 30 days and they are unable to verify the account, the Fair Credit Reporting A ct Section 611 ( 5 )  ( A ) explicitly states that they are required by federal law to " ... promptly delete all information which can not be verified. '' namely, the account I wrote to them to investigate and verify since  XXXX   XXXX ,  2017 .     I beseech you to resolve this matter with urgency as my character is being defamed by their wilful non-compliance. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
REPOSSESSION DEFICIENCY DISPUTE This account WELLS FARGO DEALER SVC acct # XXXX has violated my rights. 
Under the laws of the state of TEXAS UCC 9.506 and State XXXX and XXXX statues a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhere to. 
Please provide copies of the legal notices and proof of the commercially reasonableXXXX  manner of the resale of the subject vehicle. 
If no such proof is provided within 14 days from receipt of this notice, the alleged claim of a deficiency will be considered null and void, and any continued activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statues and UCC 9 REMEDIES.

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 2022-02-19
Company: EQUIFAX, INC.
State: SC
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:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX ; XXXX XXXX  XXXX XXXX XXXX SC XXXX ; XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00} ; XXXX XXXX XXXX XXXX Opened : XX/XX/XXXX Balance : {$7000.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX ; XXXX  Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX and TransUnion to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., XXXX XXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/XXXXXXXX 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 2022-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have been in contact with each credit reporting agency since XX/XX/2021. After a few letters and a phone call to each I have decided to file this complaint. A overload of hard inquiries not authorized by me need to be removed. At no time do the companies nor the credit reporting agencies have permission to list this on my consumer report. The real fraud are the companies and credit reporting agencies not following consumer laws and taking the power from the me as the consumer.

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 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and correct : XXXX XXXX XXXX Date Opened : XX/XX/2018 Balance : {$1400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I recently reviewed my credit report and noticed you have incorrect personal information in my file. Please use the documents Ive provided to update my correct full name and address. Also, please remove any names that dont match my ID. Please remove any addresses that dont match my current and valid address. 

Please correct the inaccurate employer information. My current job is XXXX not XXXX and XXXX is no longer valid please remove. 

I have included the following information : My drivers license Utility Bill

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 2017-06-19
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
A few weeks ago I noticed a very unusual charge on by BarclayCard US Master Card ... interest ... .which I have rarely had in 30 years of using cards. I assumed they made a mistake and omitted the tiny amount from my payment, figuring they 'd figure it out. There was more interest charged the following bill, so I phoned them. We figured out that I had confused a XXXX for a XXXX on the first bill, resulting in a {$20.00} deficit, and thus the interest charge. Not only did BarclayCard US Master Card refuse to waive the interest given that I have been a very good customer paying hundreds of dollars per month to them on behalf of vendors we do business with, they informed me that if I cancelled the card upon full payment, I 'd lose all my earned mileage ( approx. 70000 ). And since their annual membership fee is due in a few weeks, I 'm stuck doing business with such people for another whole year in order to use the well-earned mileage from them. Beware of BarclayCard US Master Card, the ( not ) ethical company.

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 2022-03-14
Company: Credit Karma, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022 I did a credit card payment through credit karma supposed to be an instant payment to my credit card I linked my credit card milestone to my account and the payment was never made I've been dealing with this for about 2 and 1/2 weeks now they haven't put the money back

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation