BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-04
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On Saturday, XX/XX/XXXX, my iPhone was stolen from me while I was in New York City. I quickly learned from my credit card companies that the individual ( XXXX ) gained access to my phone contents, which included my bank/brokerage accounts. To confirm transactions across my asset accounts, I looked into my XXXX XXXX checking account and saw that there were transactions listed from Coinbase. The XXXX XXXX transactions listed showed that my XXXX XXXX account stopped the transactions ( showing a withdraw but also a deposit back into my account ). As any person would, I quickly logged into my second checking account at XXXX XXXX XXXX XXXX ( XXXX ) to find no charges on my account. Regardless, I changed my password for XXXX. Several days later, specifically on Monday XX/XX/XXXX, two days after realizing several of my accounts were compromised, I checked my XXXX account again to find that there were two withdraw charges, first one being {$700.00} and the second being {$4300.00} from Coinbase. I called XXXX and they told me these withdraws were initiated from my external Coinbase account. I called Coinbase and learned that the individuals used my Coinbase account which was linked to my PNCU checking account to purchase XXXX and sell it. In the process, I was told by Coinbase that the money they transferred from my XXXX checking account was sent to another " external account '' that did not belong to me after transacting the crypto currency. I did not authorize any transfer of my funds, withdrawal of my funds, any payments, ACH or ETF transactions from my bank or from my Coinbase account to another bank. Coinbase completed transactions with my funds without my instigation or approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-05
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have multiple accounts with Regions Bank, and have to transfer money regularly to maintain a positive balance. However every time I manually transfer money to avoid overdraft fees, they make the transfer appear as if they did it as a courtesy, and charge a {$15.00} fee. I am constantly on the phone with a representative about these fees, and they are often refunded. 

Most recently I made a manual transfer in order to manor an ATM withdrawal in the amount of {$100.00} on XX/XX/XXXX. After the banking activity cleared, the transfer was changed to an overdraft protection transfer, and a {$15.00} fee was attached. 

I made another manual transfer on XX/XX/XXXX for a {$54.00} purchase that cleared on XX/XX/XXXX. On XX/XX/XXXX the transfer again was changed to an overdraft protection transfer, and a {$15.00} fee was assessed. 

On XX/XX/XXXX I was charged another {$15.00} overdraft protection transfer fee. I was also charged a {$36.00} NSF fee. 

The transfer activity that took place on XX/XX/XXXX would not have been necessary, if the bank did not improperly charge me on XX/XX/XXXX and XX/XX/XXXX. 

The addition of the charge on XX/XX/XXXX caused me account to go into a negative balance, and a {$36.00} fee was assessed.

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 2020-09-09
Company: EQUIFAX, INC.
State: VI
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/2020 I 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 I'm 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 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation 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 2023-05-19
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I just found out I had a debt from IC Systems and found outs its a phone bill company I never loaned with

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 2023-02-15
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX Balance : {$2600.00} XXXX XXXX Balance : {$1300.00} XXXX  XXXX XXXX : {$1300.00} XXXX XXXX  XXXX XXXX : {$3500.00}

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 explanation
Consumer complaint received 2021-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that is inaccurate. The account in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. I did not Authorize this Account

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 2023-05-08
Company: EQUIFAX, 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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Bread Financial Holdings, Inc.
State: MD
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:
XXXX XXXX : My credit score is a XXXX and I purchase a pair of socks from XXXX XXXX to help try to boost my score and get some activity going on the card. 

XXXX XXXX : XXXX XXXX XXXX sent me a statement in the mail that I never received indicating that I had charges and a balance on my account. 

XXXX XXXX : XXXX XXXX XXXX supposedly sends out another mailing statement indicating that I have an outstanding balance. My credit score drops XXXX points. However, they include a number of hidden fees and charges. 

XXXX XXXX : Contacted XXXX XXXX to see if they could remove the past due delinquencies from my history and they tell me that they can not.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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: Account status incorrect

Complaint:
I have been making on-time payments to XXXX since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested XXXX   to stop auto-pay since I was severely affected but XXXX still tried to process and take money form my bank account which did not have any money in it. I again contacted XXXX and requested for a relief that was granted but XXXX still reported late payment to credit reporting agencies. I contacted XXXX and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.

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 2021-03-29
Company: Bridgecrest Acceptance Corporation
State: SC
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Bridgecrest Acceptance Corperation does not follow The Truth In Lending Laws 15 usc 1601.This is another refusal to pay, I feel like my privacy as a consumer has been breached at this point. On XX/XX/2020 I entered into a consumer credit transaction with XXXX and they transferred it to XXXX Bridgecrest Acceptance Corporation XXXX They are wrongfully trying to benefit from my open end credit card that I used to initiate this consumer credit transaction. This is also another written refusal to pay. XXXX is in violation of the law, and violated the contract when they took cash in a consumer credit transaction with a finance charge involved XXXX XXXX XXXX  When I paid the finance charge they did not include my insurance and all the other fees they were suppose to. When I disputed the debt and asked how was it valid and to verifiy it, they never told me who the name an address of the original creditor is pursuant XXXX XXXX XXXX ( XXXX ) ( b ). They just sent me a letter telling me its valid and they verified it. That is not validation by federal law. This company is civilly liable pursuant 15 usc 1640 ( 2 ) ( a ) ( i ) which is twice the finance charge, and they also are criminally liable for willfully knowing these things pursuant 15 usc 1611. I also asked them show me why I owe them a debt and why is it valid and verify it they lied about the original creditor and said I still owe a debt. I want them to do right by me as a consumer by federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated phone calls constantly. Requesting original purchase agreement with original creditor. Requesting two years of bank statements with regards to this debt and proof of license and bond to operate in the state of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: ID Analytics, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
A company called, Sage Stream, ( who I have never heard of before as they are not one of the major reporting credit bureaus ) sent me letter XXXX failing to put the proper address on it ) claiming I requested a security freeze on my consumer file. I NEVER REQUESTED ANYTHING FROM THEM AS I HAVE NEVER HEARD OF THEM BEFORE! How can I request anything for a company that I never heard of before prior to my last complaint? Why would I provide proof of address to a company that I have never heard of before and I have not had my credit pulled in almost 2 months. They send this 12 page letter with no substance, no report, just asking me to send them my personal information and I dont know who they are. Not doing it!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: AES/PHEAA
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Fed loans has misplaced my employment certification form for one year of my loan repayment. Currently only 8 qualified payments. ( XXXX ). They have misplaced my XXXX form. Employment certification form was resubmitted XX/XX/XXXX along with this years form onXX/XX/XXXX. Please help with getting payments qualified for PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-29
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX  XXXX is accusing me of owing XXXX XXXX  {$710.00}, {$720.00}, then {$720.00} dollars. I have asked them to please stop calling me. They have been calling everyday 2 and 3 times a day. First when they started calling me back in XX/XX/2019, they said I owed this money and that I better pay it. At that time, I told them I do not owe any money and that XXXX  XXXX  is fraudulently making up these charges, in retaliation to me, since I moved out. I asked them at that time to please stop calling me. During the time they were calling, I was going through a death of my uncle, and him  XXXX of XXXX. XXXX XXXX still hasn't stop as of to date, and they are calling me 2 and 3 times a day ... not even saying anything. The phone stays quite for a minute and then they hang up on me. So basically they are calling and hanging up. I would like this to please stop as it is affecting my health, which is already not in a good place right now. Please ask them to stop calling me as this is now harassment.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
State: MD
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX  XXXX XXXX XXXX, NV XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX  XXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX Balance : - XXXX XXXX XXXX Balance : {$1300.00} XXXX XXXX Balance : XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : {$320.00} XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX  XXXX Inquired on XX/XX/2021 XXXX XXXX XXXX Inquired on XX/XX/202XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX  Inquired on 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 2021-03-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had opened a Citibank checking and savings account. I passed all verification steps online and my account was opened. I decided to get my loan funds direct deposited into my checking account which was done so on the XXXX of XXXX. I have a business to run and funds must be used to pay my employees. But Citibank took it upon themselves to block access to my account for no reason. Ive called in so many times trying to get access to my account and I even set up my payroll through XXXX to pay out my employees again citibank wont give me access. I was told I need to wait for a reference number in the mail never got it. Citi bank will not let me gain access until i get this reference number that i never got in the mail. Ive receive my debit cards and pin and even my personal checks but no reference number. 

Ive asked if I could step into a branch location to take care of this and i was told no. The letter im to be getting in the mail was mailed out on the XXXX of XXXX. It makes no sense what this reference number is suppose to be for. Ive had to contact my lender to verify everything is good on their end and it is. So citibank holding my funds is causing a burden. I will be facing a lawsuit if I do not pay my employees by this friday.

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 2018-09-27
Company: EQUIFAX, INC.
State: AR
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:
Re : CFPB # XXXX Dated : XX/XX/2018 CFPB # XXXX Dated : XX/XX/2018 You stated that you obtained my information from XXXX. 

Which I find it extremely difficult if not impossible. Because I have a security freeze on my XXXX account dated XX/XX/2018. But assuming you managed to get my credit report from XXXX which is a direct violation of the FCRA then, XXXX does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. Please provide me the method of verification as required under Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract. Therefore, in accordance with s.1629e ( 8 ) of the Fair Debt Collection Practices Act, That clearly states that any information know to be false, can not be reported to any credit bureau , In the event that you can not verify the item pursuant to the FCRA , and you continue to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation, I may sue you in any qualified state or federal court, including small claims court in my area. While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FCRA. 

I look forward to an uneventful resolution of this matter. 

Please send me a copy of my updated credit report as soon as the above has been completed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
A young lady with my first name was sharing my account with me not sure how she was able to use my account without chase being able to catch her and unfortunately for me she was collecting my paychecks from my partime job for over 6 months and I am now out of almost {$10000.00} I have tried to resolve this issue with chase but to no avail, I need my money to pay my bills and to take care of my family please help me catch this criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: EUSTIS MORTGAGE CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX {$1400.00} was sent from my escrow account to XXXX XXXX, a company with which I have no policy or dealings. This payment was in error. {$1400.00} was the amount of my most recent policy premium for XXXX XXXX XXXX ( XXXX ), who I did have a policy with. Additionally {$1400.00} was sent to XXXX on XX/XX/XXXX, which was correct. In XX/XX/XXXX I contacted XXXX XXXX XXXX, which was loan servicer for Eustis Mortgage until XX/XX/XXXX, then Eustis Mortgage monthly from XX/XX/XXXX for resolution of this matter. I have been told each time that this issue is under review and that I would receive a call from a supervisor. In XX/XX/XXXX I filed an 'official complaint ' with the company and have not received a contact since then. I am seeking to have {$1400.00} posted to my escrow account.

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 2019-10-24
Company: LoanCare, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that LOANCARE SERVICING CTR has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

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