BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I set up an account with Coinbase about 6 weeks ago. I moved {$26000.00} from my XXXX XXXX XXXXXXXX account into the Coinbase account. Coinbase froze my account and all types of transactions claiming XXXX XXXX XXXXXXXX had a hold on the funds. I went to XXXX XXXX  XXXX and met with XXXX XXXX  and they said that was false - funds were released to Coinbase over a month ago. I've emailed Coinbase over 10 times asking for an update or to refund my money. They continue to blow me off saying they are " holding '' my funds for another 4 to 5 weeks. This is not right and Bad Business.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
the credit reporting agency are not CONTACTING the creditors under the FAIR CREDIT REPORTING ACT, SECTION 609 ( a ) ( 1 ) ( A ) The Following account below have incorrect HIGH BALANCE! ALL ACCOUNTS BELOW SHOULD REFLECT A {$0.00} ( XXXX ) HIGH BALANCE! 

1. XXXX XXXX XXXX # XXXX {$3300.00} 2. XXXX XXXX # XXXX {$680.00} 3.XXXX XXXX XXXX XXXX XXXX {$2500.00} 4.XXXX XXXX   XXXX XXXX # XXXX {$4800.00} 5.XXXX XXXX # XXXX {$1000.00} 6.XXXX XXXX XXXX # XXXX {$13000.00} 7.XXXX XXXX XXXX XXXX {$480.00} 8.XXXX XXXX # XXXX {$5000.00} 9.XXXX XXXX # XXXX {$1000.00} 10.XXXX XXXX  # XXXX {$41000.00} 11.XXXX XXXX # XXXX {$3600.00} 12. XXXX XXXX # XXXX {$1000.00} 13. XXXX XXXX XXXX # XXXX {$970.00} 14.  XXXX XXXX # XXXX, This account was Opened XX/XX/XXXX Not XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, The filing date of XX/XX/XXXX is incorrect! the correct filing date is 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 explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Needing my fraud alert removed from my personal credit report. 
ID is attached SSN is attached proof of address is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: KY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello I have been trying to get Equifax to block XXXX XXXX XXXX because I am a victim of human trafficking. I have submitted this request over and over and now Equifax is saying that they are unable to receive my documents or request via online or by email, or phone. I feel discriminated against and I am upset by this. They are not following the Human Trafficking Rights Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: SANTANDER HOLDINGS USA, INC.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In XXXX of 2022 and XXXX 2022, Chrysler Financial used abusive tactics in violation of the FDCPA by specifically using and auto dialer and leaving automated computer voice messages after I specifically asked them to stop via the company portal in writing. They persisted and ignored me. I never signed any document giving them permission to use these methods, the message even says, this is a recording. I have sent a certified letter about this, they do not understand what they did wrong. I have the audio messages but do not think it is allowed file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XX/XX/2020, I submitted a claim ( # XXXX ) with USAA Federal Savings Bank because there had been fraudulent activity on my account. I submitted the claim because money was transferred from my account via XXXX for a total of {$990.00}. The person who stolen the funds, I have no relation nor have I made any purchase of any kind. The person is named XXXX XXXX, phone number XXXX. To access XXXX for any transfer, I process the system through the USAA mobile app and I receive an notification to my personal email immediately following any transaction. Well, for this transaction I did not receive any notification or did not make the transaction. The individual is not listed in my recipient either. The individual hacked into my USAA and XXXX themselves {$990.00}. The individual had made this transaction on XX/XX/2020, again, I did not receive the notification to my personal email and I did not noticed until XX/XX/XXXX, XXXXOnce I became aware I notified USAA immediately letting them know that was not me, following all the procedures to update/change security information and to submit the claim. The representative told me the documents will be mailed to me at my mailing address when the investigation was complete. I have been quarantined since XX/XX/2020 and was teleworking due to XXXX. On XX/XX/XXXX, I just so happen to look into MyDocuments on the USAA app, and there was a letter that I was suppose to receive by mail stating there were no findings. This letter also informed me to call the bank if I had any further questions. I called the number a total of 5-6 times, each time a new representative submitting in a " request '' for someone from the fraud department to contact me as well sending documents on what was investigated. I even called XXXX with an USAA representative on the phone to see if they can see it on their end. I was told by XXXX that they couldn't see the transaction and it was done through my banking app, which is USAA, so they are held accountable. It is now XX/XX/2020, and I have yet to receive a phone call or those documents. I have been a member for 10 years ( since I joined the XXXX ) and never have I been treated and ignored in this manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29
Company: Bread Financial Holdings, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I took out a line of credit for XXXX XXXX XXXX via XXXX XXXX XXXX ( AKA : XXXX XXXX XXXX ) which uses XXXX XXXX XXXX for their billing. The line of credit was {$2000.00} and I prepaid for tutoring services for my grandchild. After a few sessions I began to see a further decline in her grades thus I decided to discontinue any additional sessions. I received a refund on XX/XX/18 for {$1100.00}. When I received the refund I immediately contacted the XXXX XXXX as there was an additional credit that was due. The center refused to refund for additional sessions. I contacted XXXX XXXX  to file a dispute regarding the 3 sessions that was still outstanding. They came back indicating the charges were valid without providing any validation on how this was determined as services were never rendered. They have also lowered my credit limit as a result of me filing a dispute putting my available credit lower than my balance which does affect my credit score. Please help! 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Affirm Holdings, Inc
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX Date : XXXX Company : Affirm Inc . 

RE : Account # XXXX Balance : {$90.00} Affrim Inc XXXX 
Account # : XXXX Balance : {$110.00} Affrim Inc. 
Account # : XXXX Balance : {$98.00} Affirm Inc . 
Account # : XXXX Balance : {$130.00} Affirm Inc . 
Account # : XXXX Balance : {$120.00} Affrim Inc. 
Account # : XXXX Balance : {$320.00} Affirm Inc . 
Account # : XXXX Balance : {$170.00} Affrim Inc. 
Account # : XXXX Balance : {$73.00} Affirm Inc . 
Account # : XXXX Balance : {$87.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$5900.00} XXXX XXXX XXXX  Account # : XXXX Balance : {$12000.00} To Whom It May Concern : This letteris being sent to youin response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau ( s ), the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : What the money you say I owe is for : Explain and show me how calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. 

Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
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 recently applied for a furnisher account and short I was denied. I don't understand why I would be because I typically approved for everything I apply for. So I checked my credit report so that maybe I would get a better understanding. After doing so I notice some items on my credit report are not mine. I'm unsure of how this happened. I need these items deleted from my credit report. 
XXXX {$2000.00}

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
Consumer complaint received 2023-05-31
Company: CL Holdings LLC
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:
XXXX  and jefferson capital are both reporting a balance on my credit report. i tried fixing the issue with the credit agencies but to no avail no results. in addition the XXXX  account was fraudulently opened in my name. ive been trying to reach XXXX  via phone and email to send in my fraud affidavit but whenever i give them my information they tell me that they cant find an account. i would like for both companies to cease reporting incorrect negative information on my credit reports. this has been an extremely stressful process!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We were scheduled to close on our new home with lender First National Bank on Thursday, XX/XX/XXXX. An hour before closing, our lender informed is they didn't have the appraisal. It was the first time we were informed. They assured they thought we could still close by the end of the day or the next day so we waited and had our house packed up by the movers. We couldn't get any updates or information. On Friday, still no updates and still no closing. However, when I called our builder, I was informed that no appraiser had ever contacted any of them or the agent to request access to our newly constructed home to conduct an appraisal. By end of day Monday, XX/XX/XXXX, we were notified that that appraiser had gone MIA and no one could locate or contact them. Our builder demanded contact information for the XXXX and they wouldn't provide it. On XXXX, XX/XX/XXXX, they suggested they'd find a new appraiser and start over. We had to move out of our previous home on XX/XX/XXXX because our rent back was up so we now had to pay nearly {$5000.00} for movers to move our house into storage, {$5000.00} for storage for our entire house, plus {$500.00} to cancel our initial move date. We also had to move our family ( including XXXX kids and XXXX dogs ) into a hotel. Our builder and us contacted the new appraisal company and were able to engage an appraiser to complete the appraisal on Thursday XXXX, submitting it that night. The lender said they probably still can't close this week because the underwriter is out of the office this week. They sent a new disclosure with a new closing date of XX/XX/XXXX! We will be out of pocket almost {$15000.00} by that point because of their XXXX up, not taking care of the appraisal on time or verifying if it was completed. The closing company has been in possession of nearly {$400000.00} of our funds for more than a week now and we still can't close. Our kids are forced to stay 30+ minutes from school and activities. They won't give us any updates or any help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-29
Company: JPMORGAN CHASE & CO.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This bill was paid in full and the company is saying I owed in finance charges this is unbelievable my account was paid off and after My account was paid off then they send a next bill saying thats the finance I paid chase bank in full

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Ive attempted numerous times over the course of 9 months to have the account named XXXX XXXX XXXX which is affiliated with XXXX XXXX XXXX account # XXXX be removed due to numerous inaccuracies that still have not been address and ignored. I even made a complaint on XXXX and received no response. 
However, I recently received a response to a dispute regarding this account that I made to all credit bureaus under FCRA 611 ( a ) regarding an erroneous item on my credit report. I was deeply frustrated to see that somehow you verified the item, electing to leave it on my report. 
I am certain that the item I have disputed is incorrect and should be removed. I am hereby executing my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my dispute. 
I am very interested to learn how your investigation arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with. Please include all names and contact information of employees you spoke to as part of this investigation. 
I am asking for this verification because my credit score is very important to me and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this. 
I expect to see a response within 30 days from todays date or I will expect to see the item in question permanently expunged from my record. 

In addition, Equifax has been stalling to conduct a proper investigation. I will provide identity information in this complaint so that you may properly identify me as you say you could not in my previous complaint even after I have sent numerous correspondence over the last 9 months. 

Furthermore, I have NEVER received any correspondence from the creditor therefore this has no place on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: T.S. Holdings
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reached out IQ data international and disputed an amount of XXXX $ via phone call and email yet they reported on my credit report. I was threatened with the debt being reported on my credit report if I decided to dispute the amount. There were multiple emails from the property management of XXXX as well on this issue and IQ never responded to the emails. The debt is now reported on my credit report with out any further notice to me. Attached are the final account statement and the XXXX transaction showing the amount paid as the final account statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
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: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: MI
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:
This is XXXX XXXX and XXXX ma submitting this CFPB complaint to request to the Credit Reporting Agencies to remove the fraudulent accounts and information off of my Credit report. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included the FTC report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). I need you to please remove the following items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1000.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$2700.00} US DEPARTMENT OF EDU ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3700.00}. I have read that under the Fair Credit Reporting Act section 605b, you are required by Federal Law to remove the disputed items that resulted due to identity theft. So please comply with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: Block, Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2023 I set up a " XXXX XXXX for XXXX. XXXX, 2023 XXXX. XXXX, 2023 '' for {$100.00} direct deposit to XXXX XXXX. Fund was withdrawn from my business checking account on XX/XX/2023 " Square Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. On XX/XX/2023 I received an email saying my account has been " deactivated ''. " Please note that any funds that were debited will be held for a period of 60 days. If youd like to receive the funds sooner, please reach out to your bank for their funds return policy. '' It's now XX/XX/2023. I have reached out on multiple occasions after the 60 day is up to request a refund, beginning on XX/XX/2023. Square has NOT RESPONDED at all to any of my communications. I believe Square is basically stealing my money at this point.

Company response to consumer: Closed with explanation