BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, Bank of American posted a charge of {$4500.00} to our business account for an item purchased from XXXX XXXX ( XXXX ). The item was delivered the third week of XXXX ; however, we refused delivery as the item was damaged. 

In the past, when we've had similar issues with XXXX  items, they have issued a refund of our money as soon as they have confirmation that their shipping company has possession of the item. We also made sure to call our customer support rep at XXXX to let them know the item is being returned and why. 

Generally, the refund is back in our account within a week. After XXXX weeks of nothing happening, we contacted XXXX and were given the run around about not being able to locate the returned item. We then went ahead and disputed the charge with Bank of America. 

At the end of XXXX, I contacted Bank of America to get a status update because we had been told by XXXX that the refund had been issued. Bank of America told us that they submitted our claim to XXXX 's bank on XX/XX/XXXX and were still waiting for a response. Over the course of the next two plus weeks, we would get conflicting information from Bank of America and from XXXX. 

On XX/XX/XXXX, I was instructed by XXXX to drop the claim we filed as that was the reason the funds were not coming back. They also informed me that they had approved the chargeback dispute and authorized the funds to be sent back to me. They even provided us with a screenshot showing their release/authorization. 

I had multiple calls with Bank of America on XX/XX/XXXX and XXXX about this. I told them what XXXX had said, and that the funds were not with them but with Bank of America. Bank of America refuted that, stating they are a receiving bank and credit funds as soon as they are received. 

In XXXX final effort, I got representatives of Bank of America and XXXX on the phone with me. Bank of America acknowledged that there was a chargeback, but said that no funds were pulled back from XXXX, which is not, from all that we know, possible because the chargeback is the pulling back of funds from XXXX to Bank of America. And XXXX 's records show that the money was reversed back to my bank. 

I contacted XXXX today. They said they have seen nothing from Bank of America and are now telling me I need to get Bank of America to take action because my funds are with the Bank. I am getting extremely frustrating because, contrary to what they are saying, I do believe my money is sitting in a suspense or hold account and they, for whatever reason, are refusing to release it 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 monetary relief
Consumer complaint received 2018-12-13
Company: Sequium Asset Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX claimed I owed one last payment on my lease which was up in XXXX of this year. I had disputed the claim, asking for proof of which payment was missed. I was then sent a letter by Sequium ( Debt collector ) which I received XX/XX/XXXX. I called them XX/XX/XXXX. At which time they asked me to pay the debt, even though I disputed it and requested the proof of owing it. They told me I had to call XXXX for that. I did and was put through to their collections. They told me that Sequium was told to suspend collection activities on XX/XX/XXXX due to account review. I called Sequium back and told them what XXXX told me. I was told that XXXX doesn't make mistakes and she asked me how I wanted to pay off the debt. When I insisted that XXXX suspended collection activities the week before she acknowledged it and I was told to call back when XXXX adjusts the account. My complaint is that they tried to collect a debt after they were told to suspend activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: EQUIFAX, INC.
State: TN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My commitment to on-time payments is unwavering for these accounts. Requesting an urgent update to accurately depict this history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: EQUIFAX, INC.
State: NV
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S. Code 1681 Section 602a states I have the right to privacy 15 U.S. Code 1681 Section 604 ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S. Code 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), 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. Code 1681s2 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. the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ;

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-07
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Identity theft on card by former employee. Chase referred me to their vendor XXXX XXXX XXXX XXXX. Paid a {$2500.00} fee, was to settle, clear from history. 
Chase just charged off ruining credit along with their vendor XXXX XXXX incorrectly deceiving Money and terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-02
Company: EQUIFAX, INC.
State: GA
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or Blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX as I was checking my credit report, my score went down from an XXXX to XXXX. 

There are XXXX mortgage providers for the exact same note collecting at the same time. 
Please note the Credit Report Attached. 

XXXX XXXX XXXX  failed to let m know that they transferred the note in XXXX of XXXX and collected payment to date ( XX/XX/XXXX ). Select Portfolio Services failed to give me notice as the new lender and sent it to the XXXX Address and not my mailing address in XXXX XXXX. Select Portfolio hasn't provided any valid documents to prove they bought it and transferred it via what was recorded at the Assessor 's office. 

Both providers are collecting at the same time putting my status in a Foreclosure status while collecting payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit 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:
On XX/XX/XXXX I spoke with XXXX, supervisor for XXXX XXXX about a settlement offer of {$550.00}. She accepted the offer but told me she would contact me on Monday, XX/XX/XXXX to process the payment since she needed to allow 48 hours to process the settlement offer. XXXX never contacted me.

I spoke with XXXX XXXX  at XXXX XXXX today who stated he would not honor the settlement agreement I had with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: NC
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:
As a result of my most recent complaint about unfair credit reporting, both XXXX and Equifax have since dropped authorized credit lines with XXXX XXXX, XXXX XXXX and XXXX XXXX all compromising of XXXX in total credit limits, thus dropping my score further. My original complaint was specific in requesting no adverse actions be taken against me as a result of my complaint to the CFPB. However, I have been further impacted as a result of this complaint. If FCRA is protecting us from unfair credit reporting with creditors. Who is protecting us from the bureaus? 

On XX/XX/XXXX, following this complaint, I attempted to login to my equifax account to find that it no longer existed. It had been deleted. I had to re-enroll and to reinstate my subscription. Upon doing so, I came to find my tradelines were deleted. 

Additionally, they updated unpaid collections balances on XX/XX/21 causing further impact to my score. I will file this complaint with every governing agency up to and including the Supreme Court until they stop impacting me as a result of these complaints. 

Any blocks they have placed on these and and existing reporting creditors are to be removed immediately. 

I want all three accounts reinstated as actively reporting with the tradeline, credit limit, balance, high balance and payment history all fully reported and accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
Despite numerous repeated attempts to correct over 20 different reported incorrect address information including asking verification from their third-party source, the credit reporting agencies are still continuing to report addresses for which I never lived or have not lived in over 20 years. As a result, I have been frequently denied access to my credit file and/or denied for credit because I have been unable to verify my identity " as it is being reported to them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-10
Company: Experian Information Solutions Inc.
State: TX
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$4800.00}

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 non-monetary relief
Consumer complaint received 2020-07-24
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:
I spoke to XXXX XXXX about my car loan during the covid-19 issue. They responded in giving me a month due to the fact I was never late or missed a payment in the 4 1/2 years of the loan. The next month I made my payment but now my account was Aau it was past due. Then it reported to all my 3 credit companies that i missed a payment and was 30 days past due. My credit score dropped 94 points. Then I called then to try to fix it and set up to add the missed payment onto my next 4 payments. I also asked them to correct this missed payment issue and they told me to dispute it with the credit complies. I disputed it and then the following month they reported that I missed another payment. Then my score dropped another 49 points. That same month I made the adjusted monthly payment. I did what we agreed upon and they still reported me missing 2 months payments and my credit score dropped to XXXX. They continue to say they cant do this problem .. can you please help me fix this issues.. the Calls were recorded so I know what was agreed upon and I was told there would be no issues with my account! Thank you for you time and possible solution to this big problem.

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 2018-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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:
I am writing a complaint after being harassed by these companies for the last three years since my debt has been paid in full. These debt companies have called several times during all different hours of the day, written, contacted my work, contacted my family members and asked my whereabouts over a debt that has already successfully been paid since XX/XX/XXXX. If I remember correctly the majority of the loan was repaid through XXXX XXXX XXXX and then the last XXXX or so dollars was turned back over to the State through the Alaska XXXX XXXX XXXX XXXX XXXX to satisfy the remanding balance of the loan. The Alaska XXXX XXXX XXXX XXXX sent me a letter verifying the debt had been paid. The XXXX XXXX I am referring to is in the total amount of {$6700.00}. These companies are threatening to charge interest fees on the loan that has already been satisfied as well. I had contacted the Alaska XXXX XXXX XXXX XXXX regarding this in late XXXX maybe early XXXX in which they said they would contact the companies and let them know that the debt had be satisfied. That obviously did not happen. This has caused financial stress on our family for the past three years and my credit is non-existent. This was already a stressful time for my family and this added immensely to it. It is not acceptable for companies to continue to do this to me, or to anyone. These companies should be held liable at the highest extent possible. Should they continue to do this I will sue them. The companies are the following : XXXX XXXX XXXX XXXX. Box XXXX XXXX XXXX, PA XXXX Disputed Sums, Navient P.O. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX. 
XXXX, NY XXXX Alaska XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, AK XXXX Your attention to this matter is greatly appreciated. I already contacted these companies in writing to let them know I do not owe on this debt, t has been paid in full, included the letter from Alaska XXXX XXXX XXXX XXXX stating the same, and also notified them that I would be making a complaint with the Consumer Financial Protection Bureau, State Attorney XXXX XXXX, and Federal Trade Commission.

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 2019-03-31
Company: SYNCHRONY FINANCIAL
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: Their investigation did not fix an error on your report

Complaint:
I am the owner of 3 small assisted living facilities in XXXX XXXX, Texas and I am forced to purchase appliances with alarming frequency. All my purchases were bought from XXXX/Synchrony Bank. On XX/XX/XXXX I bought an electric dryer for {$1800.00} from XXXX/Synchrony bank. I was given 36 months no interest on account invoice # XXXX. I never requested nor was I ever given a Credit Card but this account number had been used for all previous purchases. I made monthly payments of {$150.00} from XX/XX/XXXX via my security service acct. Paid acct in full on XX/XX/XXXX. In XX/XX/XXXX I  received credit card by mail # XXXX, noticed monthly payments of {$150.00} being put on this new card along with late fees, interest charges etc. Card was never activated. Called XXXX and in spite of my protest they insisted that I called in a lost card, so they sent replacement. They refused to merge the 2 cards into one and continued to report to Credit bureaus that I am now 180 days late on payments. I sought services of XXXX/XXXX  of XXXX XXXX ( see letter of XX/XX/XXXX ) to Synchrony Bank, but got no favorable response. Received statement from Synchrony dated XX/XX/XXXX with new escalating balance owing in the amount of {$890.00} and a new account # XXXX assigned to my account. No new Card was received. Clearly, this company is practicing Credit Card Fraud and has singlehandedly ruined my superb credit. Apparently this devious company has no intention to correct this complex situation. I am unable to obtain credit to build a new assisted living facility. I am a XXXX XXXX  who provide XXXX XXXX XXXX to the XXXX and infirmed through State Funded Programs. Bought a 2.3 acre property to build an up to date spacious facility for my elderly residents. We are now crammed in 3 small homes and the residents pray each day that Synchrony Bank can resolve this issue so that they can live out their last few years in comfort.

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 2023-12-02
Company: EQUIFAX, INC.
State: FL
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:
This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-21
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:
I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile and in accordance with the FCRA, XXXX  account # XXXX, # XXXX, # XXXX, # XXXX has violated my rights 15 USC 1681 602 A states that I have the right to privacy. 15 USC 1681 604 A section 2 states a consumer reporting agency can not furnish an account without my consent. If you have any questions I can be reached at

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 2021-05-08
Company: Coinbase, Inc.
State: CA
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 XX/XX/XXXX I purchased {$9000.00} worth of Bitcoin ( BTC ) through the Coinbase.com cryptocurrency exchange. The transaction went through and the cryptocurrency ( BTC ) is now held in an online wallet on the Coinbase.com site. 

I received an email from them dated XX/XX/XXXX ( attached ) that I could transfer my Bitcoin off of the Coinbase.com site starting on XX/XX/XXXX. It is very important to transfer any crypto asset off of the net and into a " cold wallet '' - a hardware wallet that can not be accessed unless it is plugged into a computer. Coinbase 's CEO brought up this particular point to the SEC when filing for an IPO. 

On XX/XX/XXXX I tried to " Send '' my asset to my cold wallet and the Coinbase.com site wouldn't let me. I contacted them through their support channel, followed all of their procedures correctly as outlined in their Terms of Service, and was told in an email from them dated XX/XX/XXXX that "... that you're no longer eligible to use the Coinbase platform. This includes purchasing cryptocurrency, depositing into Coinbase, sending cryptocurrency off of Coinbase, and linking new payment methods. '' ( attached ) I have never received an explanation for this action on their part. 

So, they have effectively stolen my asset. I can't access it in any possible way. 

I have contacted them numerous times about this stating that I would gladly forego the use of their platforms soon as I can have my property. In their Terms of Service, Section 2.6.2 Control, specifically states - " You control the Digital Currencies held in your Digital Currency Wallet. At any time,... you may withdraw your Digital Currency by sending it to a different blockchain address. '' A cold wallet is a " different blockchain address. '' I have copies of all of the correspondence between myself and Coinbase regarding this issue.

Company response to consumer: Closed with explanation