BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-23
Company: Winklevoss Exchange LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
So I only added that you CAN NOT add to mobile wallet due to the fact that I can not WITHDRAW from them. All messages were being sent to my email XXXX which is also my log in username for gemini. In the entire time I was verified to buy XXXX but never to withdraw any type of currency, this is extremely frustrating because they have not been transparent AT ALL and it feels like I'm just talking to an automated machine instead of a real customer service rep that can help resolve my issue, or it's someone throwing it under the rug. 

Time and dates with reference for images ( SEE BELOW ) XX/XX/21, XXXX AM - I sent an email via the company support link on their website and received this email in correspondance to no avail. Ticket No. on the SUPPORT ORDER is XXXX ( SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX AM - Verified my debit card so I could PURCHASE XXXX but not so I could WITHDRAW funds be it XXXX or XXXX XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX AM - I sent another SUPPORT ORDER via their website this one 's Ticket No. is XXXX, still no update on the situation. XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX AM - Emailed them requesting service to verify, it's been two weeks since I opened the account and I never had anyone reach out. XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' ) XX/XX/21, XXXX - XXXX AM - They sent back a generic email and I replied those options don't provide proper service. XXXX SEE ATTACHED .PNG " Gemini-XXXX  '' )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
the Credit bureau is not complying with the rules. I sent out disputes on the XX/XX/XXXX and have not been in formed about anything. The alleged debts that are fraud on my consumer report needs to be deleted.15 USC 1602 ( I ). The adjective consumer, used with reference to a credit transaction, characterizes the transaction as one in which the party to whom credit is offered or extended is a natural person, and the money, property, or services which are the subject of the transaction are primarily for personal, family, or household purposes. look this person here ( Experion ) is using my identity and saying that I owe them, I need them to send me the paper work saying that this Validation is correct.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: KY
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, and XXXX, has violated my right. 

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 explanation
Consumer complaint received 2021-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/ original creditors several times that these accounts do not belong to me. I have not in any way received goods or services from these companies and i have provided my police reports, my FTC ID THEFT affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2022-05-03
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I had a Bluebird American Express XXXX XXXX XXXX. I would periodically load it from another account and I did a series of transactions it to make sure it was loading properly. Eventually it stopped working and I talked to customer service and they told me to call my other bank. Later that day, the account as closed and permanently suspended. I have no way to contact them other than to write them a letter. When I call them I get an automated message that tells me I'm suspended and I'm hung up on. This is completely ridiculous. I have now lost all access to the money in the account and they have basically blocked my number. There is no online customer service. I have no idea how I will get those funds so that's why I am reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-03
Company: TRUIST FINANCIAL CORPORATION
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a vehicle load through Lightstream ( a division of Truist Bank ). On or about XX/XX/2021 I was diagnosed with a severe case of XXXX. I made multiple attempts to explain my circumstances to Lightstream and they fail to recognize COVID as a pandemic and valid reason. I apparently missed a payment during this time. My loan term is 48 months, I am 17 months into this loan and I have paid {$1600.00} in extra payments and more than half of the loan in this time. I am requesting Lightstream to remove the negative remark from my credit file. Any help would be appreciated. Thank you.

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 2021-03-23
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Coinbase locked me out of my account. I have {$280.00} of my own money stuck in the account. They have restricted my account and have not allowed me to make or withdraw payments to the account. I have tried contacting the merchant many times without any success at all. Bots are used by Coinbase to relay the same script. There are no customer service representatives to speak to. This issue has happened to thousands of Americans with much higher currency lost/restricted on Coinbase.! Payment Required issue, after many attempts of making such payments with well funded accounts from my financial instututions and denied I have had more than enough with dealing with this. Please investigate and escalate to maximum attention by US federal government regulations. Please remove Coinbase from United States grounds. If need be, FBI investigations for Coinbase please. I regret to ever conduct business with such entity, Coinbase. Feel free to use this or my information to escalate dispute. I can provide all statements of transactions from my financial institution which are attached below of timeframe of such event.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
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: Reporting company used your report improperly

Complaint:
Under the Fair Credit Reporting Act, they 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 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2021-03-07
Company: U.S. BANCORP
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
On XX/XX/XXXX, my XXXX XXXX XXXX caught fire while I was driving and was completely destroyed. I immediately contacted my insurance company ( XXXX XXXX ), the dealership ( XXXX XXXX XXXX, XXXX XXXX Mi ) and US Bank, the lease holder. At every step, the dealership and US Bank said I had gap coverage, so any remaining balance after the the insurance company paid US Bank, would be zeroed out. They stated that all leases have gap insurance. The vehicle was totaled- I never saw or drove the vehicle again after XX/XX/XXXX ( It was on the news, I have attached the news article ). 

On XX/XX/XXXX US Bank charged my checking account the monthly bill ( {$480.00} and change ). I continued to contact US Bank and they told me it would " all be taken care of, gap insurance will cover it ). On XX/XX/XXXX, US Bank confirmed they received a check for over {$41000.00} from XXXX XXXX on my behalf. After this date, US Bank told me I did not have gap insurance. I filed complaints with US Bank and they never returned my calls. Last week, I contacted US Bank and told them I was contacting an attorney if they did not resolve this. They then said that they received/cashed the check on XX/XX/XXXX, but offered no explanation why it took 5 weeks to process once they received it. I was told it could take another 5 weeks to process the total loss claim and close out my account. I was told they would void any late fees I was charged and not to worry about making any further payments. 

On Saturday, XX/XX/XXXX, I received a letter from US Banks saying they had sent my account to a collection agency. I want my account resolved, closed and a refund issued to me for the payment I made in XXXX after my vehicle was destroyed. I also want this cleared from my credit report and the collection agency case closed. 

XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
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:
on XX/XX/2021 inquiries has been wrongfully placed on my credit report BY your office and you are being held responsible from here on your currently reporting is XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX  XXXX, US SM BUS ADMIN ODA.. to whom this may concern I want to inform your office that you are in violation of fcra and fdcpa. you have violated my rights by reporting salse inaccurate information by placing these false accounts on my consumer credit report..the list of inquiries that are reporting has not been approved by me I have no knowledge of them, be advise by law I have the right to PRIVACY and you the credit reporting agencies have violated it..the list of accused inquiries accounts and dates FOLLOW AS : XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX XXXX XXXX  XXXX  inquired on XX/XX/XXXX XXXX, US SM BUS ADMIN ODA inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX inquired on XX/XX/XXXX XXXX, XXXX inquired on XX/XX/XXXX XXXX, XXXX XXXX inquired on XX/XX/2021 ..BY LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDDIT REPORTING AGENCY, THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELTED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : XXXX, TRANSUNION AND XXXX ARE CURRENTLY IN VIOLATION AND HAS VOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 1681 Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods and undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures It Is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. personnel, insurance, and other information In a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapt

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 2023-05-15
Company: SANTANDER HOLDINGS USA, INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My loan is paid up to date and they keep sending collection letters and when I call the amount they say I am past due never changes and keeps dinging my credit and saying that its a problem with their system.. I have proof that its paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have told the CRA on multiple occasions that the information they continue to report is incorrect. They have never verified none of the disputes I have submitted to them. I have investigated the accounts myself and found out that they have been reporting the wrong account numbers, ( 2 ) when there in only one account number, the wrong dates, the wrong status and also a third party reporting on behalf of the original company that I had no idea existed. How is this possible? They are wrecking my credit. The copy I have uploaded in the system and also sent to the CRAs listed is the only account I have with US DEPT OF ED.

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 2023-09-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus XXXX, Equifax and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. IT HAS BECAME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNTS DOES NOT BELONG 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 2023-07-20
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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting the following accounts have violated my rights XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida Department of Revenue 15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

I NEVER GAVE WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS ALSO IM INVOKING MY RIGHT TO PRIVACY THIS IS MY LAST ATTEMPT BEFORE A CIVIL LAWSUIT WILL TAKE PLACE IMMEDIATELY BECAUSE THIS COMPANY IS KNOWINGLY VIOLATING MY RIGHTS IM OPTING OUT PLEASE REMOVE THIS 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 non-monetary relief
Consumer complaint received 2021-03-23
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: JPMORGAN CHASE & CO.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
I have a XXXX account with no incoming international wire fee through Chase. 
However, I was charged wire fee, and I asked XXXX about the fee but was asked to contact Chase. 


XX/XX/XXXX I wired {$7500.00} amount through Chase account ( XXXX ) to my XXXX Account XXXX ( attached SWIFT ) XX/XX/XXXX only {$7400.00} posted. I asked XXXX numerous times but they said the sender charged the fee but sender sent me the full SWIFT that shows no fee charged from the sender side. 

XX/XX/XXXX I wired {$8000.00} amount through Chase account ( XXXX ) to my XXXX Account XXXX. 
XX/XX/XXXX only {$7900.00} posted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-06
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/19 BMO Harris allowed my transfer of $ XXXX from XXXX  XXXX XXXX opening an account. 
Shortly thereafter, my account was frozen by BMO Harris ; their fraud department determined more information was  needed to verify my address. This is partially understandable given I was in the process of changing my residency from XXXX to XXXX, but at time of transition most, if not all, of my personal information was under my XXXX   address. In order to free up my account they required among other things, a bill that was associated with the address. I dont have any utilities in my name, thus preventing me from being able to unlock my account. It has now been almost two months since my account was frozen and I have made multiple calls to their fraud department ( that have gone unreturned ) and they have provided no alternative means of resolving this. Ive contemplated legal action, but I am mostly frustrated and just want my money back at this point.

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 2023-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : account name XXXX XXXX, account name, XXXX XXXX, account name, XXXX XXXX  ( original creditor XXXX XXXX they stated everything was complete and accurate. 
But how is that possible if the open date, date of last activity and much more is incorrect? 
According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isnt reporting correctly.

15 U.S.C 1681 section 602 A.states i have a 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.

15 U.S.C 1681c. ( a ) ( 5 ) section : no consumer reporting agency may make any consumer report containing of the following items of information any other adverse.

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