BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-14
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2017, I fell victim to a multilayered scam operation orchestrated by XXXX, XXXX which involved me making deposits for a total amount of XXXX XXXX from my Coinbase account to fraudulent investment firms. 
When determining whats reasonable and fair, we should focus on the issue of liability ; common queries include, but are not limited to, the following ( i ) whether Coinbase did not take notice of any rule, law, or regulation, and/or possibly missed any material elements of the relevant bylaws or codes of conduct, that may have prevented them from protecting my financial safety ; ( ii ) whether by virtue of Coinbases custodianship over my funds or by its control over them, they owed a fiduciary duty to the me and if so, whether that duty was breached ; ( iii ) whether Coinbase promoted the transaction ( s ) in question despite being aware of the nature of the transaction ( s ) in question ( iv ) whether Coinbase was in compliance with its own policies and procedures ; ( v ) whether Coinbase owed duties to myself, what the scope of those duties was, and whether Coinbase did not uphold those duties ; ( vi ) whether Coinbases conduct was unfair ; and ( vii ) whether Coinbase has within its power the ability to, and should, compensate me for the harm that has befallen me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I enlisted in the military several months ago and prior to shipping to basic training ( on XX/XX/XXXX ) I thought it would be a wise decision to transfer my entire life savings from XXXXXXXX XXXX XXXXnto an account with USAA because of the benefits they offer to service members. A HUGE mistake. I walked into the headquarters in the XXXX XXXX location and handed the teller a check for {$90000.00} to be deposited into my checking account. She had to get approval from her manager for a deposit that large but she assured me that the money would arrive safely into my checking account. The bank cleared and released a portion of my funds, which I used to pay off one of my credit cards and then they cleared the entirety of the funds a few days later. 5 days before I left for training I tried to write a check for an investment that I was hoping could grow while I was away at basic training. That afternoon USAA decided to close my account without telling me, locked me out of my online account and opened up a fraud investigation. After completing the account review they decided to deny me banking services and have locked me from my funds ever since. Member services assured me after 60 days they would close my account and send me the remaining funds in the mail. It has been 90+ days and counting and I still have not received my funds. After weeks of prying and misinformation I was told they flagged my initial deposit, my credit card payment and my check for fraudulent activity. I am unclear whether or not that has completely mishandled the entire XXXX all together. You can imagine the sheer panic I am enduring on a daily basis. 

While I was in training I had 0 access to the phone and was stressed daily about the status of my account and was worried sick about paying my bills. I have been worried about losing my clearance and my job due to the affects this will have on my credit. 

Recently, I spent 4 hours on the phone trying to get answers on my family day rather than spending time with my loved ones i haven't seen in months i got to be on hold with USAA with no answers. 

Most recently I found out when I called to check the status of the account closure that one of the service members i spoke to took it upon themselves to submit a re review of the fraud investigation, what she failed to tell me was that that would set the account closure back another 60 days. I'm not expected to receive my funds back until the end of XXXX. This is robbery and I have been ill advised by the people who work at this bank. I've connected with several lawyers and I am prepared to do whatever it takes to get what is rightfully owed to me back

Company response to consumer: In progress
Consumer complaint received 2023-07-14
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2023 a cash withdrawal of {$400.00} and a withdrawal of {$510.00} was taken from my account by using an atm machine. It was a deposit of my wages earned from my employer. I disputed the transactions they were denied. I also with to the local authorities about the transactions. This number XXXX claim to be a representative of the company. I also appealed the denial request and they denied it again. I am out of money in which were for my bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-24
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 act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. DEPT OF ED/XXXX Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. DEPT OF ED/XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-10-19
Company: EQUIFAX, INC.
State: PA
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 writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX. 
Enclosures : XXXX, ID, Identity Theft report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a check of XXXX from my attorney who is XXXX XXXX  XXXX. I was told that XXXX will be available next day and the remaining will be available the following day, which is Friday XX/XX/2023. Now when calling theyre saying that I have to wait 5 business days because the Federal Reserve is requesting more time to verify the check. After contacting the Federal Reserve I was told this is incorrect info that I was given from Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-06-19
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I HAVE PLACED MANY PURCHASE/TRANSACTIONS ON " MY CHASE PLAN '' OR : '' PAY OVER TIME PLAN ''. THEY SAY THAT YOU CAN SPLIT PURCHASES OF XXXX  OR MORE INTO EQUAL MONTHLY PAYMENTS FOR A FIXED MONTHLY FEE AND NO INTEREST. SOUNDS LIKE A GREAT DEAL, RIGHT? 
NOT SO MUCH. THE TOTAL FEES ON THE PLAN ARE {$17.00}. THE TOTAL PURCHASES THAT I PUT ON THE PLAN IS {$11000.00}. MY ACTUAL PURCHASES WERE {$400.00} for that month of XXXX THE INTEREST RATE FOR ACTUAL PURCHASES IS 18 %. APR. BUT THEY CHARGED ME {XXXX FOR INTEREST. I ASKED THEM WHY, HOW COULD {$400.00} AT A RATE OF 18 % BE $ XXXXTHEY SAID BECAUSE I HAVE TO PAY INTEREST ON THE PAY OVERTIME MY CHASE PLAN TOTAL PURCHASES ADDING UP TO {$11000.00}. THAT SEEMS TO BE A MISREPRESENTATION TO ME. 
IN ADDITION, THE DISPUTE DEPARTMENT PROMISED ME A PERMANENT CREDIT FOR FOUR CHARGES FROM XXXX XXXX IN XXXX. ( ON THE SAME DAY! ) XXXX XXXX CHARGED ME XXXX FOUR TIMES IN ONE DAY, FOR SERVICE THAT I NEVER HAD WITH THEM. I HAD SERVICE WITH XXXX FROM XX/XX/2022, TO XX/XX/XXXX. I EMAILED CHASE AN EMAIL FROM XXXX CONFIRMING THAT AFTER CHASE DENIED MY INITIAL DISPUTE WITH XXXX XXXX. I SAID TO CHASE, " WHO ARE YOU GOING TO BELIEVE? SOME RANDOM CUSTOMER SERVICE AGENT, OR ME AFTER I SENT YOU PROOF THAT I DIDN'T HAVE SERVICE WITH THEM ''. HE SAID ALRIGHT, I'LL GIVE YOU PERMANENT CREDIT FOR THE FULL AMOUNT OF {$290.00}. NOW THEY'VE REBILLED ME. I WILL NEVER GET ANOTHER CHASE CARD AGAIN. I'M USING MY INTEREST FREE ABLE ACCOUNT AND MY INTEREST FEEE CREDIT UNION ACCOUNT ONLY, FROM NOW ON.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-03
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2024-01-02
Company: HYUNDAI CAPITAL AMERICA
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
On Tuesday, XXXX XXXX, we requested to payoff the loan for a car we purchased on Saturday, XXXX XXXX. XXXX XXXX XXXX added a more than {$170.00} charge to the purchase amount, less than one business day into the loan. 

The agent on the phone said it was the interest accumulated. We explained that the contract we signed said that interest would not be charged until XXXX XXXX, XXXX. He said that he could not escalate the issue because the managers were not in the office. I explained that I was ready to pay off the loan for the full loan amount agreed to in the contract and that we can talk about the fee another time when the manager is available. He said he couldn't do that. He put me on hold three times over at 58-minute period and then hung up the call.

I am currently on hold again trying to get this car paid off. I do not think its acceptable to charge $ XXXX in interest for a loan that is less than one business day old and those are not the terms of the contract. It specifically states no interest until XXXX XXXX XXXX 

I am also registering this complaint with Kia Finance as well.

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 2023-11-06
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit 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:
I placed an order with XXXX that was never delivered. 

I tried to dispute this online but that option was not available. 
I tried to dispute this by phone but they have a habit of disconnecting you " accidentally ' after long holds and many transfers. 
I have tried disputing this in writing as well with no success yet. I provided proof that XXXX acknowledged the item was shipped to the wrong address. 

The credit card company is purposely making this impossible in the hopes that consumers will give up.

Company response to consumer: In progress
Consumer complaint received 2023-07-14
Company: CHARLES SCHWAB CORPORATION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I applied for Schwab brokerage account. They opened account # XXXX and let me connect my XXXX XXXX checking account thru application online with verification process. Then they allowed me to transfer my money in 2 deposits from my checking account ( {$300.00} total ). 
Then they restricted my account for no reason, so I was unable to place any trade or even transfer my money back to my checking account. 

I chatted with their representatives 4 or 5 times and every time they promised that I will be able to transfer my money back next day, then XX/XX/2023, and then Friday XX/XX/2023. I am still unable to transfer my money. So, they literally froze my money. 

They asked me to unfreeze my XXXX report to transfer my money back which I considered illegal. They opened my account without it and let me transfer my money from my checking account and then ask me to do thing to be able to transfer it back. They told me via chat that they allow me to transfer my money back in the beginning, but then refused to do so. 

I ask agency to fine Schwab company for illegally hold my money and unavailability for me to use my money or transfer it back to my checking account and to order Schwab give my money back ( {$300.00} )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: In progress
Consumer complaint received 2023-01-30
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My account is suspended at the moment. I have recently tried to get it in good standing and making payments to pay off the balance. I was told that there is no guarantee that the suspension will come off once paid. I asked, is this written anywhere that speaks about this and was told no. It is worded differently to cover that. I stated that it should be written somewhere as a disclaimer. I stated that it is very misleading to send emails saying, " let us help you get your account up to date ''. This would lead one to believe, once balance is paid, your account will be unsuspended. It doesn't state otherwise.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hi, I was on Covid forbearance with my FHA mortgage through XXXX XXXX During Covid forbearance they were not supposed to report any late payments. When my time was up I did what they asked and started the process to remove myself from forbearance and restart the regular loan. While we were doing the process and I was waiting for them to approve everything they marked my account as late. It took them 2 months to get everything resolved on their end and they marked my mortgage late 30 days then 60 days. They told me that theyre allowed to do that while they were removing me off of forbearance, no matter what. They said anybody moving off of forbearance would be marked as late while they were removing them off of forbearance. It didnt make any sense to me. Now my credit is ruined for something I was told wouldnt happen if I went with the forbearance option during Covid. 


I also want to note that the first representative I spoke to gave me false information and tried to scare me. He implied that I was going to lose my house and he didnt offer me all of the options I had available to me. When they I totally approved my removal from forbearance they approved it with an offer I never asked for or approved. I then had to talk to someone else to get the right option approved of. This delayed the whole process and caused the payment to become 60 days late. 


I asked if I could make payments during this period to not be late and they told me I couldnt unless I paid the whole balance that wasnt paid during Covid forbearance. 


I felt extremely lost, anxious and really tricked during this whole process

Company response to consumer: In progress
Consumer complaint received 2024-01-02
Company: Monterey Financial Services LLC
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted them about the problem they keep adding fees and different charges that keeps making my loan go up whenever I pay it when I pay it it goes right back up to the same amount making it impossible to pay over because it never drops down.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX ( XXXX ) XXXX Re : Courtesy removal from credit bureaus account XXXX XXXX XXXX XXXX, I am asking for a courtesy removal of the account : XXXX The purpose of this account with you, that I paid in full, was to increase my credit profile and score and its having the opposite effect its hurting it. 

For that reason I am asking you to completely remove it from existence in all my credit bureaus its located on. 

Attached to this complaint is : - drivers license - social security card - address - written complaint Please have this removed as soon as possible.

Company response to consumer: In progress
Consumer complaint received 2023-05-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 The goal in the headline of the letter is always to setup a situation where the burden of proof relies on the consumer reporting agency ( Credit Bureau ). You do not want to make a specific claim about a specific account in the first-round investigation request letter. The reasoning for this is called factual disputing methodology. Making a claim of Not Mine or Never had account when the account is yours invalidates the claim if it is in fact yours. Write as if you are a consumer without the fancy jargon in this round to prevent it being misinterpreted as coming from a credit repair company.

You cant go wrong with quoting 15 U.S.C. Sec. 1681i, since it is very broad and covers Procedures in case of disputed accuracy. 1681i ( a ) ( 1 ) ( A ), 1681i ( a ) ( 1 ) ( B ), and 1681i ( a ) ( 1 ) ( C ) covers the general investigation overview, the extension of the period to reinvestigate, and the limitations on extension of the period to investigate, while 1681i ( a ) ( 2 ) covers the promptness in how the bureaus must handle the notifications. 1681i ( a ) ( 3 ) covers if and how the bureaus can determine if a dispute is frivolous or irrelevant, all the way to 1681i ( f ) ( 3 ) where it governs how a CRA notifies a consumer through a reseller ( XXXX XXXX ) ( MyFICO ) and others who furnish third party disputes free of charge, etc. 

Please investigate if every piece of information is correct. If not, please remove it from my credit

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-03
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: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation