BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-30
Company: Chime Financial Inc
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Good morning my name is XXXX XXXX XXXX XXXX My social security number is XXXX. I was supposed to receive my Social Security Administration Benefits of the amount of {$940.00}. I was aware of the holiday weekend. I contacted Chime Customer Service and spoke to several reps including 3 different supervisors. They couldn't assit me any further. It's important I receive my funds immediately because I'm a XXXX man and my rent and or all other expenses is past due. Chime normally sends my funds early because it's a PrePaid Bank but my direct deposit is normally on the XXXX of every month. Since I been with Chime Bank I been receiving my funds on the XXXX or XXXX of every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2018, a company has sent me XXXX Ethereum XXXX XXXX token to my ethereum wallet on coinbase. There were no warnings at all that this transaction could not be undertaken on the account page of the website and the only little caveat was on a support page where by definition people only go if they need support. 

Despite advertising the wallet as owned by user, Coinbase doesn't now allow me to access or move the funds which have peaked at a value of $ XXXX since then. 

Appreciating that coinbase isn't willing to give users private keys necessary to move funds I have therefore asked on the same date XX/XX/2018 to just return the ether with tokens back to the sender. 

After multiple calls to the call centre where support team confirmed the issue would be resolved by a special team, on the XX/XX/XXXX ( over two months later ) coinbase replied saying that it was technically doable but complex so money would not be returned which doesn't seem a very professional answer from a regulated company. 

I have called the support team and I was now told that there is a disclaimer on the account page to warn people against using it for tokens. While I appreciate coinbase is trying to fix this issue going forward this wasn't displayed at the time of transaction ( I have a screenshot available if required ). 
Interestingly I was unable to escalate the complaint internally and I was refused any advice on how to complain further with external regulator. 

As coinbase today still stores my asset whitin its wallets, not returning this to me it's a fraudlent activity classified as wrongfully retained credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Experian Information Solutions Inc.
State: PA
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 explanation
Consumer complaint received 2021-03-30
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: FinCo Services Inc DBA Current
State: MN
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
This is a " banking '' app that is supposed to be a bank account. I and all my children have accounts through them, so I can use it to pay them for allowance, chores, etc. I opened the app to pay my son and it showed I was logged out of it. When trying to log in it gives me an error message, " Something Went Wrong. Please wait a moment, and try again. '' I have tried wiping all data, uninstalling and reinstalling the app, and I even tried it on another phone. I first contacted support at the end of XXXX. Support has been useless and slow to respond. They have asked me to do the actions I described above, but nothing has changed. They take days to respond, and several times have come back saying they see the problem has been resolved, though it has never been resolved and I have been unable to access my account. They went 14 days since their last communication to me, and then just sent me a message again saying that they saw it was resolved, even though it has not been. Now they have transferred all of my son 's money from his account into my inaccessible account, so neither of us can access our money now. For a banking app, they have been useless for actual banking as we can not access our own money!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: CITIBANK, N.A.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a phone call from a debt from XXXX  which fell off credit report in XXXXaccording to lawyers office. Getting a court summons through a servers office for a court date. This debt it 23 years old, I don't even remember it from Citibank.

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 2022-01-07
Company: Experian Information Solutions 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:
My name is XXXX XXXX. There is no third party involved I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: IL
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:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2021-09-03
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 a victim of identity theft, from the following creditors that have fraudulent accounts on my credit profile that need to be moved immediately, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-10
Company: MOHELA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I am missing 3 years of payments to count towards my PSLF request. If I had those 3 years I would fall into forgiveness. I am missing all of XXXX, XXXX, XXXX and some of XXXX. I was employed at a non profit during that time, I was not in school, and I was paying on my loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX. 

# XXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX  XXXX, # XXXX XXXX, # XXXX XXXX  XXXX & XXXX XXXX # XXXX XXXX  # XXXX XXXX  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 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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX Date : XXXX Consumer Financial Protection Bureau XXXX CFPB XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX Dear Sir/Madam XXXX I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for [ XXXX ] to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
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:
On XX/XX/XXXX, I sent a letter to Equifax about inacurate information being reported on my credit report. I never received a response from them On XX/XX/XXXX, one of the account that was disputed was deleted from my report due to inaccuracy, however, on XX/XX/XXXX, the same account was added to my report without me receiving a letter informing me of the reinsertion.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-11
Company: PLANET HOME LENDING, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Due to Hurricane Irma, Planet Home Lending, my account # : XXXX was set up for a special payment plan to get through our temporary income cessation. 

I received a 30 day late on my credit report, and they stated this was an error and it would be fixed next month. That was back in XX/XX/XXXX. I have called multiple times, and every time they tell me it was their reporting error and it would be fixed. 

As of my most recent update, XX/XX/XXXX, still not fixed and it is effecting my score by over 60 points. 

I call and call, they say they will fix it with no results. 

My account is now current, income is coming in very good again and we are even 2 weeks ahead on our payments. 

Since this payment plan was set up during the hurricane relief period, we should not have late fees or a late reportson the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 Report Act the list of accounts below has violate my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

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 non-monetary relief
Consumer complaint received 2023-07-24
Company: Experian Information Solutions 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.

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 2021-03-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXXXXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXXXXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Im a victim of identity theft I have been trying to correct inaccurate information on my credit file for the past two years. This my second attempt to correct these errors. Im aware that according to FCRA 611 ( 5 ) ( a ) that if the consumer states after the 15 day reinvestigation that an item of information is inaccurate it must be promptly removed or corrected. Im demanding that these agencies correct my credit file.

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 2023-07-24
Company: Experian Information Solutions Inc.
State: IN
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 don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts. 
See the documents attached.

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 2023-03-06
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Re : XXXX Account Under the Fair Credit Reporting Act 15 USC 1681 this disputed item may not appear on my credit report if it can not be supported by any evidence.I have sent two letters to Creditors and Credit Reporting Agencies to produce evidence ( signed contract, billing statements, payment history ) that the debt is mind and they have not been able to do so. 

Contacted Creditor asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. 

I have also submitted my credit card statement where the alleged amount owed was paid and the account closed therefore it is misleading to continue to report fraudulent information on my credit report.

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 2023-09-30
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XX/XX/2020 woke up to my number and email address being change on chime. I tried logging in and I couldnt. Tried to get in touch with them and to let them know whats going on but because they let someone change my information I couldnt get the answers I need. The rep told me to just request to change my information back and because you have to email I didnt hear back anything till the next day. The next day I was able to get someone to help and I was able to log in all my money was gone XXXX plus. My account was hacked and the person that I dont know was taunting me because he was able to get my information and hack my account. I did everything chime told me to do even get a police report they let somebody name XXXX chime to chime money out of my account over 50 times back to back and didnt even red flag it. I disputed it after they then ask me to write down all the transactions I didnt do send in the police report and the text from the person who hacked my account. After doing all this they denied my disputed with no legitimate reason and closed my account. And didnt want to send the denial letter after telling me it was sent I just gave up because I didnt know what to do oh and also my paycheck deposited in the accounts 3 days later and the scammer took half of it and I couldnt pay my rent I was left with nothing and no help I was put out of my apartment I had gotten to far behind and that was my money for my new place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Account information incorrect

Complaint:
Experian is reporting incorrect information for multiple accounts. I have a car loan from XXXX XXXX XXXX XXXX  reflecting XXXX XXXX XXXXXXXX days late which is a violation. In addition to that the address connected to this account does not belong to me and lastly the ssn attached is incorrect. This account should be deleted from my credit 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 2018-10-07
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX, Wells Fargo reported our account with XXXX 's XXXX to be 2 mos. late. Contact with the bank revealed they had sent initial 2 bills to another town. We'd not seen a bill. They acknowledged their mistake. THEY REFUSED TO CORRECT THE DING ON our credit scores until we paid up. Feels like extortion. All current bills were paid last Tuesday the 2nd.so the arrears is moot. 

I want them to indicate having made a mistake and clear my name Wells Fargo even sent me both undeliverable pieces of mail bearing the address in the other town which should have been enough to generate a fair prompt reversal of the negatives

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