BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-01
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX unauthorized transactions were made to my coinbase virtual debit card from XX/XX/XXXX to XX/XX/XXXX in different amounts ; These merchants were based in other countries XXXX and XXXX XXXX, totaling {$1500.00} taken out of XXXX debit card account. I reside in XXXX  XXXX these unauthorized transactions were done on my virtual debit card, my physical card is in my possession and has never been used. These charges were done without my permission they are not recurring payments and I have never purchased from these merchants. I have no idea what was purchased with my virtual debit card because my virtual debit card was hacked into this was a cyber attack, my money was stolen. All I know is I did research online into these merchants XXXX is a company in XXXX that sells XXXX and XXXX parts I dont own neither. XXXX XXXX is a XXXX XXXX firm in XXXX and XXXX I have no financial accounts outside XXXX  XXXX. I screen shotted an email sent to XXXX regarding this issue but have not received a response reply regarding this matter ; Ive been unsuccessful in contactIng other merchant XXXX because I cant contact by phone ; my phone service only capable for domestic calls within XXXX only. I have not used my virtual debit card since last year of XXXX. I have not made any authorized transactions on my virtual debit card or physical debit card for the year XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-02
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Contacted Experian, XXXX, and XXXX  regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2020 via certified mail. Submitted information indicating the inaccuracies, however the credit bureaus failed to respond within the allotted 30 day time frame, and I have not received a response regarding dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days..

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 2019-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2017-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 filed a report last year to remove a debt in collection because I did not owe the debt. I contacted the collection agency and all credit reporting agencies. The debt was subsequently removed.   XXXX   XXXX   and the big  XXXX  credit agencies allowed the debt to reappear with a new debt thus re aging a debt that I do not owe and putting me in the same situation as a year ago requesting the debt to be removed from my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Case numbers :  XXXX   XXXX   XXXX  QWR and Debt Validation was not addressed and no financial documents were given to me from my request.     The Notice of Rescission of notice of default  XXXX   XXXX ,  XXXX , was not addressed at all from my request.     The  XXXX   XXXX ,  XXXX  TILA rescission is an event that happen I am not asking them to consider.  XXXX   XXXX ,  XXXX  " effective upon mailing '' No answers to any question to in my written request and they are late in the response also.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: EQUIFAX, INC.
State: KY
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 identity theft over 7 years ago, and had a detective submit information to XXXX XXXX on acct in Ohio. XXXX XXXX then sold the acct to XXXX XXXX XXXX, who keeps putting it on my acct over and over again. I give documentation from police and Equifax removes from Credit report temporarily after a 30 to 45 day investigation. then about few months later, they throw it back on my credit report again and again. Then Equifax says due to XXXX XXXX changing the original date and lying, they have to redo the investigation for another 30-45 days each time. This acct is over 7 years old and fraud acct, so no reason to ruin my credit score and chance at credit for a fraudulent over 7 year old acct. I have plead with them everytime to just not put back on my acct and they keep doing it over and over and helping XXXX XXXX collection agency. This is not fair credit reporting and I am so mad about it. I will go to media and get lawyer if this does n't get straightened out by Equifax. I have been patient for over 7 years and now its getting to be repetitive behavior with no heart to how they affect people 's lives or chance at credit. I pay my bills that belong to me on time and not fair to be punished over lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Re : Inte grated Recovery Services On  XXXX / XXXX /  XXXX   I received  a call & voicemail f rom a  XXXX  stating that I had a case in their office ( did n't specify what kind of case ) and said that in order to not be served  by constable I  needed to contact the office. When I returned the call a woman answered and said that my phone number was associated with an account in their office under  XXXX   XXXX  which I confirmed that I was the person calling. Prior to letting me know that it was an attempt to collect a debt or even mentioning anything about what it was regarding, she asked me to verify my social security number. I then explained that I did not want to confirm my social security without knowing what this case was regarding. She then started yelling at me and stating that I had an attitude with her, which I did n't, and said that if I did n't confirm my information, she could not speak with me and would notify the company "   XXXX   XXXX   XXXX   '' that I had admitted to stealing the money so that I could be served with paper work, however, those words never came out of my mouth as I did not know what the case was even regarding, she then hung up and said that she did n't have time. I then called back thinking that another person would speak with someone else and again she answered and said that she did n't have time to speak with me, I mentioned that I had never said that statement and wanted to know why an employee from this supposed company was speaking to me in the way that she was and yelling at me. She responded that it was because I was not being an " adult '' and did n't want to confirm my confidential demographics and again said that she did not have time and hung on me for the second time. I called again an asked for her name which she said her name was "  XXXX  ''  ( u nsure if it was legitimate ) and said that I could do whatever I wanted and again hung up. The only reason that I called was to find out more information on what it was regarding prior to confirming my social security and again, they never mentioned that they were calling from a debt collector. I did not appreciate how this woman spoke to me as she was super unprofessional and it is not a way to settle an agreement. Also, not to mention, I have yet to receive ANY correspondence from them regarding this matter. All I received was a phone call earlier today during work hours. If indeed I have an account in their office, I do not know why an employee would threaten to tell another company something that I never said. If harassment is their why of intimidating people, it 's not the key.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XX/XX/XXXX Transunion To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On ( XX/XX/XXXX, I retrieved a copy of my credit report and discovered an inquiries that I have no knowledge of. 

Because I did not apply for credit with any of the creditors, I have also reached out asking that they remove the inquiry from my credit profile. 

Please launch an investigation into all creditors inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 

If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. I have attached a copy of my credit report for you to validate. I have 65 inquires all together Thanks in advance for your prompt attention to this matter. 

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 non-monetary relief
Consumer complaint received 2017-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX & XXXX XXXX I have attempted to dispute public information being reported inaccurate on my credit file. I have disputed this information as not mine and someone with similar name filed bankruptcy. I have asked for physical proof that this public record being reported in mine. Since public record information is reported from a 3rd party source. Credit agency will not send me physical proof and keeps telling me that information is being furnished from the bankruptcy court. Bankruptcy courts do not furnish information to credit reporting agency. I received a letter stating to refer to the personal credit report you received for name, address, and phone number ( if available ) but nothing is available. I have yet received physical proof that the public information being reported is mine.

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 2022-04-01
Company: BAM Management US Holdings Inc.
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
Good day Sir I am a binance user with username " XXXX ''. i got a message from binance.com on XX/XX/2021 that my account has been suspended for reason ( s ) unknown to me till date. All my effort to find out their reason for such action and get access to my hard earned funds proved abortive. binance has been really unfair to me and decided to hold my source of livelihood for about 8months without considering the consequences on me and the family that depends on me to survive. I have never committed any offense please come to my rescues this is really killing me. 

My account is verified and i have {$15000.00} usdt in my account. right now they don't allow me to have access to my account let alone of having access to my funds there. I am a legit trader and I have never committed any offences.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company called True Accord sent an unsecured email to me on behalf of my wife disclosing to me that they're intending to collect a debt and the dollar amount of the debt. From what I understand, they are in violation of the law, considering they performed zero diligence in confirming who they sent an unsecured email to was in-fact related to my wife.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: Experian Information Solutions Inc.
State: VA
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:
XXXX XXXX.D.O.B. XX/XX/XXXXSSN : XXXX XXXX XXXX, XXXX, Va, XXXXPhone number : XXXXEmail : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, Texas XXXX XXXX # : XXXX The purpose of this email is to inform this credit bureau that I contacted XXXX XXXX about the settlement that was paid in the amount of {$260.00} to the collections agency of XX/XX/XXXXXX/XX/XXXX. Once the debt was settled XXXX updated the settlement to my credit report. I asked both XXXX and XXXX XXXX to remove the settlement from my report and they refused.By law once a debt is paid it can be removed from a credit report if requestedPLEASE investigate and remove this settlement from my credit report.I attached a file of my receipt of payment for proof. 
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 explanation
Consumer complaint received 2021-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have asked Kohls to close my account and take me off as an authorized user on my fathers kohls card. I have asked them to do this at least twice in 5 years. When we call Kohls they say i am not an authorized user. However they are reporting to me to the credit beauros as an authorized user. We called kohls today XX/XX/10 after pulling a credit report and they claim im not an authorized user. I need this escalated and resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-03
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I was sent {$1000.00} from my attorney using Cash App. I never heard of it and used it first time. This app collects way too much information than needed. Worst thing - it's only mobile. Not at all easy or good compared to XXXX or XXXX. Moreover there is absolutely no human being available to deal with. It keeps on redirecting to phone or email but there is no human being. There is a phone # XXXX but no human being there also. 

This app is pretending to work with person to person money transfer without each other knowing each other 's account number etc ... So it ask the recipient to provide Debit card # with all the details - expiration date, zip code etc ... 

But even after that - there is no idea where the money is went? 

And there is no human being hired by this cheap folks in XXXX from this company called Square.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13
Company: U.S. BANCORP
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On or around XX/XX/XXXX I contacted Cardmember Service @ XXXX to question how payments would be applied to my balance transfers ( I  have multiple ) because there was one that was set to expire XX/XX/XXXX ( approx.  balance of {$1600.00} ). The representative ( a women 's voice, but I did n't write it down ) stated that if I make a payment that it would pay off that balance transfer set to expire XX/XX/XXXX and anything above that would be applied to the balance transfer set to expire XX/XX/XXXX. I called today, XX/XX/XXXX ( after  reviewing my statement ) and realized this was not a true statement. I called Cardmember Service again and spoke to a women ( again I did n't catch her name ). She was telling me the same information and I continued to tell her that was not how the payment was applied. She needed to place me on hold twice before she stated that the way I was told the first time was incorrect and that if I made a payment more than the minimum anything above would be applied to the latest transfer I made and not the one set to expire. Had I been told that it XX/XX/XXXX I would have continued to make the minimum payment and made my larger payment once myXX/XX/XXXX transfer expired ( so they could charge me 10.24 % ). The lady stated there was nothing else she could do for me without me obtaining fees so she transferred me to a supervisor. Once the supervisor ( XXXX ) answered I needed to tell my story again and the only answer I received was that I could not have called in XX/XX/XXXX because it was not documented in their computer and I was never given miss information and he offered no help/solution. I work in XXXX XXXX and I am very familiar how this works. I stated that and told him I in fact called and was given information. He still offered no assistant other than because his computer stated I did n't that I could not have called and received this information.

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 2022-03-02
Company: Genesis FS Card Services, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment on XX/XX/XXXX, again on XX/XX/XXXX, and again on XX/XX/XXXX. After every single payment I received a email saying thanks for your payment then 3 days later payment reversal. And, next it is on my credit report. I had to dispute the credit report to get it fixed. I've cancelled the card, but now they are saying I still owe there fees. I NEVER USED THE CARD! I have had money in my XXXX account and my XXXX account to cover every payment as well. I tried to pay the card with both accounts and both got reversed. It seems to me that INDIGO is just messing people 's credit up worse.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: JPMORGAN CHASE & CO.
State: OH
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 redeemed my credit card points for a virtual gift card on XX/XX/XXXX. The points were deducted from my account and I received an email confirmation that my order had been received and should be processed immediately or at longest I may need to wait 48 hours to receive my gift card. I never received my gift card. I called Chase on XX/XX/XXXX when I did not receive my gift card, they claimed they would escalate my inquiry and respond with an email in two days. I never received a response. I called Chase again on XX/XX/XXXX when I again had not received a response to my inquiry and had still not received my reward. I was told to wait just a couple days longer and that I would receive my gift card within two days and would receive an email response to my inquiry. I have still not received my gift card, nor I have been contacted in any way by Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-13
Company: Medical Data Systems, 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: Account status incorrect

Complaint:
XX/XX/2019 was the bill datr. company Medical Revenue Services amount {$1600.00}. I paid the collections agency off with the promise it would notify the credit companies that the debit has been paid and the account is closed. Well that didn't happen and some credit companies show as current which is false. It is paid in full and there should not be anything still open or current. I am not doing any business with this company and my credit file needs to reflect that information.

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 2017-12-08
Company: Commonwealth Financial Systems, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Collection Agency Common Wealth Financial opened account on XXXX XXXX, 2016 for a balance of {$1000.00}. This collection agency isnt licensed in my state and I am requesting it to be removed from all three credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE, a collection agency, is reporting to my credit report a debt that is not mine. They are porting some kind of XXXX XXXX services. As a matter of fact, I 've never had any XXXX in my life other than XXXX. The total amount this agency is reporting to XXXX and XXXX is {$270.00}.

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 explanation