BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: Coinbase, Inc.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On Monday XX/XX/21 I accidentally locked my Coinbase account rather than my Coinbase wallet which is entirely separate. 
This also resulted in me being locked out of my Coinbase Pro account. 
I followed the steps they presented which involved photos of my valid Drivers License and a selfie. 
I was then sent an email with a link about when I may be able to access my funds. 
That day was originally listed as XX/XX/XXXX though on subsequent checks on the link the date started moving further into the future. After numerous attempts to reach Coinbase support which is essentially unreachable by email and rarely responds in their social media channels I was directed to get a case number. Within a few minutes of my first response from Coinbase I received an email saying my verification had failed. 
They refuse to acknowledge anyone without a case number so I then filed a complaint in regards to the lack of customer service, the shifting dates on expected recovery and finally the failed recovery. 
I then received an a form email which instructed me to do the very steps I had just done to regain access. I replied that those were the steps I had taken and the basis of the whole complaint. I received an email that simply stated they would look into it with no commitment or apparent urgency to release my property. 
Their customer service social media channels are filled with many in my situation. I wish I had seen those before trusting them with my money. 
They seem to acknowledge that they are unable to adequately tend to their customers with a constant notice on their support site that they are poorly equipped to handle complaints. 
Ultimately the assets they are holding belong to me and and I have submitted plenty of documentation to prove I am the person that owns the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I was scammed into XXXX  someone ( named XXXX on XXXX ) money for a concert ticket for {$170.00}. I XXXX  them so the scammer 's XXXX is associated with their bank and real identity. I called XXXX immediately and they told me they would look into it. I called again today on XX/XX/XXXX to see the status and the person I talked to on claims was incredibly rude and dismissive. They said I wouldn't get my money back and the case is closed and they won't do anything about it. Fine, it's XXXX thing if I can't get my money back, but I expect something to be done about the scammer 's account. Their XXXX is clearly attached to XXXX so they have an account and I can not believe that XXXX is unwilling to look into this account. How could you want to continue doing business with someone that scams people. This scammer 's account should be reported or closed or there should be action taken. As a long time customer of XXXX 's banking and credit services, I am incredibly disappointed with the way they have handled this. I get that I shouldn't have sent someone I don't know money but why does all the blame get put on me and not the evil person scamming others? I know XXXX can do something about this and it's sad that they do not care about all the people being scammed .... I expect my money back or for this scammer 's account to be closed and reported or I will be moving my primary banking and credit card relationship to a financial institution I can have faith in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX reporting error of a account over 8 years old removed this account and then after 7 years added it to my credit report. this account was in dispute for 10 months no updated status or response

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America failed to reverse a transaction for which I did not receive services promised by merchant. 
XX/XX/2020 for {$32.00} is being disputed by me. 
Merchant changed the terms of the agreement without sufficient notice making it not possible to use their services. COVID related situation. Merchant is charging for services they are not delivering. 

Bank of America promised to help resolve this matter and failed. I am being punished financially due to COVID related issues and mandatory shutdowns. 

This is theft.

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 monetary relief
Consumer complaint received 2023-09-13
Company: Experian Information Solutions Inc.
State: FL
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:
In accordance with the Fair Credit Reporting Act Account # XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 ( a ) states that I have the right to privacy.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) also specifies that a consumer reporting agency can not furnish an account without my written instruction.

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 2023-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Transunion/ XXXX continues to keep XXXX XXXX XXXX accounts on report. this is there reason : The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail. 
Was a 1099c sent, if it was a charge off/ if they sold it to who? and when? why is this is not listed somewhere? 

Requested they provide the information used to certify the accuracy of the report. 
As XXXX has removed XXXX XXXX, I have personally called XXXX XXXX they stated they transferred the account to XXXX in XXXX then how were there XX/XX/XXXX late payments in XXXX? I called XXXX they have no record of me on any account, I called XXXX XXXX my name is listed as a reference only. please remove.

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 2023-05-25
Company: American Credit Acceptance, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have sent over requests for validation, that come back as verified, that have not followed 15 U.S. Code 1692g. Most recently, I sent over my final request, which asked for a notarized account ledger, which was received on XX/XX/2023, by at XXXXXXXX XXXX, and I have yet to receive any correspondence back from them with the requested information, which states that it is not a refusal to pay, but a validation of the debt is needed to go forward.Due to the fraud that has occurred, at the expense of the illegal disclosure of my information, I am checking all accounts for their validity. I have also disclosure in the up-to-date notarized letter that they shall receive, that I have not given authorization to provide my information with a 3rd party, as that is a direct violation of my privacy. 

Codes 15 USC 1692 ( f ) and 15 USC 6802 ( b ) should be consulted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and anxiety, and I can't even sleep properly because of this problem. I am begging you to update my account as soon as possible.

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 2020-08-10
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XXXX XXXXXXXX University - XXXX, XXXX ; XXXX I was furloughed without pay in between XXXX and XX/XX/2020 due to COVID ( letter attached to support this claim ). During this time, I missed a couple of payments with UAS because I was very stressed about eLearning for my school-aged daughter, fighting with Florida 's unemployment system ( which is terrible and frustrating ) so that I could pay bills and have food on the table, and a death in the family. UAS does not offer any sort of " Your Payment is Due Soon '' or " You Missed a Payment '' messaging. They only send emails stating, " You Have a New Document Available. '' Every single other creditor sends me a message about payments coming due. This helped me manage all of the other bills and I was not late once on any others. Due to the stress and financial implications of COVID, I feel that all creditors should give some grace. The federal loans got this right. But, the holders of Perkins Loans feel that they must penalize Americans during these uncertain times. With their reporting of this late payment, this dropped my credit score 75 points. In addition, they charged hefty late fees. I paid all of it up to date on XXXX and a few days later was I was rewarded for this with a 60-day late payment mark with the credit bureaus. I have not been late with any creditors for over 2 years and I was trying so hard, but then COVID came. I feel like all creditors need to have some grace. UAS feels that they can be predatory because the federal government hasn't mandated that they give borrowers some grace.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: LA
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 strongly assert that it is unjust for me to be held accountable for these fraudulent accounts. I urgently request that you take immediate action to rectify this mistake and absolve me of any responsibility. It is crucial that you investigate this matter thoroughly and promptly correct the error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
Company: EQUIFAX, 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 information incorrect

Complaint:
PAID IN FULL 20 SEPARATE STUDENTS LOANS TOTALLING {$85000.00} ON XX/XX/2023, DISPUTED ON ALL THREE CREDIT PLATFORMS XXXX, EQUIFAX AND XXXX ON XX/XX/2023, CREDIT SCORE HAS REMAINED THE SAME XXXX TO XXXX  AFTER PAYING OFF {$85000.00} OF {$96000.00} TOTAL ON ALL THREE CREDIT REPORTS. PLEASE INCREASE MY CREDIT SCORE TO SHOW {$85000.00} DEBT PAID IN FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: Experian Information Solutions Inc.
State: IL
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 made several attempts to address the issue of fraudulent, inaccurate, and misleading items appearing on my consumer report. These items have had a significant impact on my life and have caused immense stress. I want to emphasize that I never authorized any of this information to be associated with my name, as I am a victim of identity theft.

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 2023-08-14
Company: NAVY FEDERAL CREDIT UNION
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:
On XX/XX/XXXX ( Saturday ) my husband and I applied for a Mortgage consideration securely through NavyFederalCU. This was in an authenticated experience. This application did not included a corporate number of XXXX. On XX/XX/XXXX ( Monday ) beginning at XXXX - XXXX I received 75 phone calls where people are claiming to be mortgage wholesalers and claiming that NavyFederal and XXXX provided them with my information. They were calling on a number that was not disclosed on my mortgage application so I am unsure of where they would have received my information. These calls where borderline harassment as the sales representatives on these calls took strong attempts to keep me on the line. 

I called NavyFederalCU they assured me it was not their mistake. 
I spoke with XXXX, and they assured me it was not their mistake. 
I spoke with XXXX and their customer care team transferred me to the business solutions team as my credit bureau reflected that was the source of the pull. I requested to speak with a supervisor and was denied because I was a customer and did not have a business solutions number. I attempted to call NavyFederalCU again and get a supervisor and the agent told me there was not one available. Provided me a number to a supervisor who was not available. I asked to speak with one that was free and my call was disconnected. 

I feel like there is an issue with XXXX XXXX XXXX, and these 75 calls that were unsolicited to a number that was not used in my application with NavyFederal. As a consumer I am fearful of what other details these 75 organization or more received about me. These behaviors should be shut down immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX  ( All Banks - non specific ), Inquiry date : XX/XX/2019 - This inquiry 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 2021-06-25
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 is missing that should be on the report

Complaint:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
According to the FCRA that you are suppose to be in compliance with states that pursuant to 15 U.S. Code 1681a ( d ) ( 2 ) ( A ) ( ii ) the communication of that information among persons related by common ownership or affiliated by corporate control should be excluded from my consumer report. I believe these accounts should be removed from my consumer report according to the FCRA. you are in violating the law by reporting accounts that should be excluded from my consumer report. All alleged accounts associated with XXXX XXXX be removed from my consumer report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-07
Company: Experian Information Solutions Inc.
State: NV
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:
What in the world is happening on my credit report, there are several accounts that appear out of nowhere! I have never dealt with these creditors in the past, I do not know who they are.. The accounts don't belong to me..I know this is an error and I ask you to PLEASE CFPB DELETE THE FRAUDULENT ACCOUNTS AND HAVE IT REMOVED from my credit report XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-06
Company: EQUIFAX, INC.
State: LA
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 kindly request that you update my credit report and remove the public record that is currently listed. Attached below are the necessary documents to support this request. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I attended XXXX XXXX XXXX XXXX XXXX FL campus in XX/XX/2007 and got a loan from Sallie Mae  for approximately {$7000.00} later I graduated from the school and the school declared bankruptcy and didnt do any of the job placement help and everything else they offered when signed up. To make matters worse I have been paying on a bloody subprime loan over 13 % interest rate for over a decade and owe more than I did when I first went to school at this rate I feel my mortgage will be paid off before this loan they put most of the funds to interest and my payment is XXXX a month to make it all worse I called for a settlement and they suggested I have to be delinquent before I can negotiate my debt. Horrible company ripped me off. Sallie Mae now Navient

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-04-20
Company: Experian Information Solutions Inc.
State: TX
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:
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. 

Tracking numbers are as followed : Experian:XXXX XXXX XXXX Account names : XXXX XXXX : XXXX XXXX  XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX  : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : XXXX 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 an 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 explanation