BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: PA
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 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 2023-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My family and I have been a Bank of America customer for over 30 years. Over these years we have utilized various BofA services, securing loans, including a XXXX Mortgage with a second mortgage. In 1996 we established a family, veteran, minority owned small business with a SBA-baked loan. 
This is about the second mortgage ( balloon home loan ) from XXXX, maturing on XX/XX/XXXX. Despite seeking consideration for a lower payoff and encountering challenges during a modification attempt we navigated the process. During all the interactions with BofA I always asked if I could make another monthly payment, and was told that I could not due to the loan reaching it's maturity, and during the modification process it was not necessary. However during the modification process my loan was in fact sold, even though a letter I received from BofA on XX/XX/XXXX stated in the 4th bullet point, that if your loan is being revised or modified then this sale would not affect me. This was frustrating due to the amount of time, phone calls, and due diligence in getting all documents for the modification package. 
Afterward, our family owned business received a generous offer from our business bank of XXXX years, providing a {$30000.00} discount to pay off the remaining balance of a once {>= $1,000,000} loan. Excitedly I applied for the second mortgage with XXXX, only to encounter a setback due to a reported {$31.00} late mortgage payment in the last year with BofA. Upon contacting BofA, I discovered the loan being transferred during a loan modification, had caused confusion about its status. despite acknowledging the error by several different BofA representatives, this situation for {$31.00} has caused frustration and a huge impact on our credit. Numerous attempts to resolve the issue, including calls, service request, and interactions with various BofA departments and representatives. The last contact on XX/XX/XXXX was with a supervisor named XXXX from XXXX, who displayed a total lack of empathy, or understanding. She kept informing me that this was all my fault and there was nothing she could do to help. 
I have been a loyal customer of BofA since XXXX. I urgently request the removal of the past due payment of {$31.00} from my credit bureaus. We are counting on the {$30000.00} for fourth-quarter Inventory. This {$31.00} has significantly impacted our small business. I believe that BofA, in line with its commercials will rectify this situation promptly allowing us to save our employees jobs and our family company. 
Respectifully submitted 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 explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-12-13
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I am a customer of Coinbase. Coinbase is a licensed and registered financial entity based in the United States, Coinbase is obligated to follow regulations, rules, directives, etc., enforced by its regulators ( depending on the jurisdiction ) and other law-making bodies. These include following proper KYC policy, abiding by the XXXX XXXX, and complying with government AML/CTF obligations and responsibilities. Information was sent to Coinbase about an unpleasant incident that involves fraudulent activities conducted by the XXXX company. They convinced me to open a Coinbase wallet to make an investment in the form of cryptocurrency. According to them, I could only deposit to my XXXX trading account through crypto which is why they needed me to open a Coinbase wallet. I then wired from my XXXX XXXX bank account to my Coinbase account which I converted into crypto USDT. From my Coinbase wallet, I was instructed by the scammer to send crypto to wallet addresses provided by them. All in all, I withdrew a total of approximately XXXX USDT over three transactions listed below : - Crypto transaction 1 Amount : XXXX USDT Date : XX/XX/2023 - Crypto transaction 2 Amount : XXXX USDT Date : XX/XX/2023 - Crypto transaction 3 Amount : XXXX USDT Date : XX/XX/2023 As the transfer of cryptocurrency involved my Coinbase wallet, I informed Coinbase that I was able to trace and determine the wallets that were used by scammers to siphon my money. To my surprise, the recipient wallet addresses are unknown and not registered as KYC wallets on any crypto platform. I was under the impression that crypto xchanges like Coinbase are bound to comply with the XXXX XXXX rule which clearly states that VASPs are required to gather sufficient information about the sender as well the BENEFICIARY of a transaction. It is very obvious that Coinbase never investigated the beneficiary wallet address or the owner of that wallet and let the transaction take place without any monitoring. I attached screenshots of the tracing of the fraudulent transaction from my Coinbase wallet along with diagrams as proof that transactions leaving Coinbase are indeed fraudulent. Hence, I urged Coinbase to investigate the matter and trace my funds ultimate destination to apprehend the criminals for this financial crime. I am also of the opinion that Coinbase has neglected me as their customer and allowed me to engage in risky transactions which also makes them liable for my loss and responsible for sufficient compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: LA
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:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-12-10
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
jcp was suppose to give 5 % rebate on XXXX purchase, also was not able to get 35 % off on online orders had to use another 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 explanation
Consumer complaint received 2022-12-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card or prepaid 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 was traveling and I was charged for service I didnt use, i tried contacting my bank and provided with all the proofs but they didnt resolve it although it was fraudulent activity. Because merchant misguided and mis communicated. 
This credit card institute did the same thing with me twice in three years although enough proofs were provided, they are not cooperative at all. 
I am complaining about them now that my friend has the same issue with this credit card institution. 
Please take action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: LA
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 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 2023-12-19
Company: Experian Information Solutions Inc.
State: LA
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 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 2023-12-19
Company: Experian Information Solutions 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:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The 3 Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be fixed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2023-12-10
Company: LEXISNEXIS
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I contacted this company in regards to a Bankruptcy they are reporting on my consumer and Lexis Nexis report. This company stated that they verified the account with XXXX XXXX is not a valid source of verification. I KNOW MY RIGHTS AS A CONSUMER! THIS COMPANY IS IN VIOLATION TO 15 USC 1681B AND 15 USC 1681C-2A! I HAVE NOT GIVEN THIS COMPANY ANY WRITTEN PERMISSION TO ACCESS MY PERSONAL INFORMATION! I ALSO PROVIDED PROOF TO THE COMPANY THAT THE US BANKRUPTCY VERIFIED THEY DO NOT SUPPLY ANY OF MY INFORMATION! TO THIS COMPANY OR ANY OTHER CONSUMER REPORTING AGENCY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, I have recently received a copy of my credit report. The report had an account listed from your company as a credit card. I disputed the account with the credit bureau as " not mine '' but it recently came back as verified. 
1. FDCPA section XXXX violation misleading false reporting XXXX Account Number : XXXX This is not mine. I am a victim of ID Theft and I have included a police report. Please investigate and remove from my credit report. 
2. Account was paid XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
I am writing this letter to you in an effort to get this removed. Please delete your information from my credit reports. I have never had an account with your company. If someone has opened an account in my name, please close it immediately before further harm is done. 
I am requesting that you notify all of credit bureaus that this account is " disputed '' or that you delete this account until this matter is resolved. This is required by the Fair Credit Reporting Act. 
If there is any paperwork that I need to sign to confirm that this account is not mine, please send me the required documents. 
This is a written dispute of the this account per the Fair Credit Reporting Act, the Fair Debt Collection Practices Act and the Fair Credit Billing Act. Please be aware that I am exercising all of my rights per these laws and all other applicable laws protecting me. 
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 2023-12-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I am trying to get the money in my account transferred to another account. I don't know the password because my estranged husband won't tell me what it is. The people at the bank don't speak or understand enough XXXX to help me take care of this. I am ill and desperately need this money moved to my new bank so I can pay rent, buy food, etc. I've been trying to get this done for at least a month, but no luck. Aren't they required to hire people who speak or understand XXXX? 
I am XXXX XXXX XXXX and, as I said, ill. Aren't banks required to hire people so can communicate with their customers? 
I consider this exploitation or maybe even elder abuse!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Bank of America froze my account and closed it, but has not given me any of the XXXX XXXX  that were deposited in it from my direct deposit and bonus from work. They admit the money is there, and is somehow under investigation ( even though I had previously informed them of some oddities in my account and given them a link to a police report. ). 

It has been held since XX/XX/2023 and no one will do anything to help me. Ive since lost my car and am under eviction as a direct result of Bank of Americas actions. 

On top of this, they send me a monthly statement telling me how they took out their XXXX account fee talk about infuriating.

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 2023-01-03
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 ot accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.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 explanation
Consumer complaint received 2021-07-23
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For the second time, I have filed partial release documents with Roundpoint Mortgage and they will not file my partial release. I filed for the paperwork the second time on XX/XX/2021 amd it has been almost a month without Roundpoint even starting the partial release process. 
I did not hear back after I filed the paperwork until XX/XX/2021 ; over two weeks. I was told by my customer advocate specialist XXXX XXXX that she had no updates for me. 
It has now been over a week from that email amd I have still heard nothing and the process has not even started. 
I have waited a reasonable amount of time. This is ridiculous. Roundpoint Mortgage is a negligent incompetent company.

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 2020-12-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/2020 at XXXX XXXX  I called Equifax and spoke to Agent XXXX, XXXX XXXX who informed me that my dispute was not updated in their system and could have been shredded but he could not provide me with the details of Equifax 's process when receiving dispute letters. In addition, he confirmed the address I sent the documents were correct as well as the documents provided to identify my identity, cover letter and details of my dispute. I requested to speak to a supervisor and Agent XXXX kept me on a two hour silent hold without any updates on if the supervisor would get on the line. He then disconnected the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: NJ
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'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX 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 explanation
Consumer complaint received 2023-12-19
Company: Experian Information Solutions Inc.
State: MD
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: Was not notified of investigation status or results

Complaint:
Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 

2. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2019 By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 



Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 



Thank you for your time and help in this matter. 



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 explanation
Consumer complaint received 2021-07-23
Company: Monterey Financial Services LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been consistently reaching out to all three credit bureaus to correct an account thats currently reporting twice on my bureau. He has been over six months and still it has not been corrected. I have entered into a payment agreement of {$50.00} with the correct and original company to pay towards the balance due. This should not be reporting on my bureau twice. The original creditor has stated that they are only reporting it once. This needs to be corrected ASAP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief