BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: VA
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 sense that my credit score is being manipulated and played with for no apparent reason. I personally have about 6 personal credit cards, and 2 store cards, which gives me about {$11000.00} worth of credit. Of the {$11000.00}, I might be utilizing roughly {$2300.00}. The creditors report to all 3 major credit bureaus. XXXX credit services has reported a 19 point decrease over the past 30 days when there has been little to no change within the past month or reporting period. I do not have any open collections, garnishments, bankruptcies, etc. I have paid all of my bills ( over the past 10 years ) on time with no late payments. With the exception of ONE 30 day late credit payment in XXXX. I have NO pending legal obligations, yet my credit score is still at XXXX. Just last month, XXXX had it listed at XXXX. There hasn't been any change or negative impact that should've caused a 19 point difference. My credit have been consistent for the past year with little to no change in usage or status. Let with no other alternative, I'm submitting this complaint in efforts to have this looked at a bit more closely. I have a bday of XXXX, and last four of SS # is 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 2019-11-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have filed a complaint with you about PORTFOLIO RC. This is the collection company that used my personal information to open up an account and added charges that are 3 times more than what I had owed. The originator company is XXXX XXXX. XXXX XXXX lied about applying my payments to my account, and charged me late fees causing my balance to rise. 
I filed a complaint with XXXX, and XXXX XXXX so far these credit companies has done nothing about PORTFOLIO RC, and XXXX XXXX XXXX. These companies both has caused my credit to diminish. They both opened up a account without my consent and knowledge, and they both increased the amount of what was owed to XXXX bank 3 to 4 times of what I had owed. XXXX bank had close the account but without my consent gave my personal information to PORTFOLIO RC, and XXXX XXXX XXXX. This is fraud and I want them to close these account on my credit report. I also want XXXX XXXX, PORTFOLIO RC, and XXXX XXXX XXXX to each pay me {$10000.00} each for destroying my credit. 
It seem wrong when someone can just open up an account using your personal information without your consent, add fees without consent this is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
Hello. Today, XX/XX/XXXX, I deposited two USPS money orders at a Chase bank - directly to a teller. The amounts were : {$1000.00} and {$200.00}. Upon depositing these USPS money orders, the teller informed me that only the smaller amount would be made available immediately and that the larger one ( {$1000.00} ) is put on hold until XX/XX/18. 

I was unaware that USPS money orders, under the amount of {$5000.00}, are federally subject to next day availability. Upon discovering this just minutes ago, I called their Customer Service line and informed them of the aforementioned. I was then informed that I should call back tomorrow to see if their Deposit Hold department would help me out and expedite the USPS money orders for me. 

I was counting on these money orders and went through USPS specifically because they are the most trusted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
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 complaint is about the account above and the reporting of the collector XXXX XXXX. I am XXXX XXXX, the debtor and Complainant in this complaint. I am filing this complaint about the account referenced above. 

The collector, XXXX XXXX, is reporting this debt to the credit reporting agency on behalf of XXXX. Both companies, XXXX XXXX and XXXX are based in XXXX, California. XXXX is the contract towing company for the XXXX of XXXX. My familiarity with the creditor is because I once lived two houses away from one of their employers, the brother of the owner. His daughter was my own daughters best friend when they were children. I have had no contact with any of these folks in over 12 years. 

I have never had a business relationship with the people or this company. I have had no business at all anywhere near the XXXX for over a decade. I have been XXXX and receiving XXXX for the past eight years. I have certainly had no reason to have a vehicle towed a distance that would result in charges of almost {$2000.00}. Ive not had a vehicle impounded either. I have no idea what the account is from. 

I have had no success in my own attempts to correct this situation, have the debt dropped and my credit report corrected. I appreciate any assistance you can give me through this complaint process. I have no documents about this alleged debt except a copy of the credit report. 

Thank you 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 2020-09-23
Company: BANCO POPULAR DE PUERTO RICO
State: NY
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:
The credit card 's annual membership fee posted on XX/XX/2020 of {$140.00}. I called in and spoke with a representative and informed them I was not interested in paying the annual fee and did not want to renew for another year of membership and told them to close my account. The representative proceeded to close my account. The representative made no mention that I still had to pay the fee that is on the account. I called the bank back 2 weeks later since I still see the fee was still in the account and not refunded back, even though my account is now closed. The representative I spoke with now advised that I have to pay the fee and that they can not remove it and that they can not do anything because their hands are tied. I even asked to speak with their manager, and they would not let me speak with their manager and also advised they can not do anything. As a result, I am being charged for something that I will not be receiving any benefits for. This is basically the bank stealing from their customer. I am being forced to pay for the annual fee where I will not be receiving anything back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX and XXXX of XXXX bank account was overdrew twice by more than 200 dollars. I don't know how that happened. Only a bank officer can do that. I don't have any arrangements with the bank to pay money that is not in the account. 

This is an inside Job, because I covered the money, to avoid my account to be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: SYNCHRONY FINANCIAL
State: GA
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 noticed a hard inquiry from Sync/XXXX  on XX/XX/20. On XX/XX/20, I was at XXXX 's and they asked if I wanted a rewards card and I specifically asked if it would run my credit and was told no. I explained that I was in process of trying to buy house and did not want to apply for credit card and they guaranteed me it was only a rewards card for coupons, like XXXX XXXX XXXX. They said the info needed was just to verify my identity. They lied

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 2020-12-19
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX a refund of {$510.00} was supposedly issued to my XXXX  XXXX XXXX account. After contacting Paypal Services, they informed me that my money was transferred to my account. However no funds were received. I attempted to reach out to XXXX  XXXX XXXX, but they refused to respond. After filing a complaint with FTC, XXXX  XXXX XXXX reached out to me and informed me that no such transaction occurred. I am now filing this complaint against Paypal asking them to send proof that they sent money to my XXXX  XXXX XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-16
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have 2 inaccuracies and unauthorized inquiries on my credit file from the same company that I have reached out and they confirmed I have no accounts with them but they continue to furnish untrue information on 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 explanation
Consumer complaint received 2018-01-29
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I Wired {$100000.00} from my XXXX  XXXX XXXX account to Coinbase account on XX/XX/. I confirmed with XXXX that the wire was sent out successfully, and with Coinbase 's bank ( XXXX XXXX XXXX ) that the money was posted to Coinbase account onXX/XX/XXXX. However, my Coinbase account still isn't updated with the amount. 

I sent numerous requests ( 10 times ) for a followup, but only have received a standard/automated responses with no detail of what's happening. The money has been missing for over 19 days, and I have no idea if Coinbase is doing anything about the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX has reported me as late on XX/XX/2019 when my state was in a declared state of emergency due to hurricane Dorian in the state of Florida and as such I believe the account should not have been reported late being that we are in a state of emergency and I was unable to make the payment and XXXX XXXX was explained that information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Greystone Alliance LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
For the past year I have been getting calls as well as family members regarding a loan I never took out.i asked for proof and paperwork to be sent to me on several occasions and still nothing.they keep calling me and family members asked them to stop still continue.XXXX XXXX from greystone and associates leaves message as if he is law office but does not send info.need this to stop.the have nothing when u search them online but complaints of false claims

Company response to consumer: Untimely response
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: CA
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:
There are hard inquiries on my consumer credit report. I have contacted the consumer credit reporting agency to have these hard inquiries removed. The hard inquiries are a violation of my privacy. The hard inquiries also violate the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-19
Company: Experian Information Solutions 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 writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
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: Account status incorrect

Complaint:
To Whom It May Concern, This letter is a formal complaint that you are reporting inaccurate and incomplete credit information on my Credit Report. 
Collection Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this information ) Collection Creditor : XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX 
Original creditor name : XXXX XXXX XXXX ( Reason for investigation : Not Mine. Please Un-verify & delete this 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 2018-01-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Short version Coinbase has locked my account for a pending transaction that has aged out. ( will be 4 weeks old on XX/XX/XXXX ) The pending tranaction was from one coinbase wallet to another, they debited the source wallet twice and only credited the destination wallet once, leaving me with a negative balance and locked account. 


PERSONAL INFORMATION PLEASE REMOVE Coinbase support # XXXX PERSONAL INFORMATION PLEASE REMOVE 1 ) I attempted to transfer bitcoins from the coinbase multisig wallet to the active wallet to sell some bit coin. I attempted to do this twice, and both times the coinbase webinterface hung. 

2 ) So I used the coinbase provided multisig tool to directly enter a transfer from the multisig wallet to my coinbase active account. The default settings for coinbases provided tool had too small of a transaction fee and the transaction was never picked up on the block chain. 

3 ) The next day I redid the same exact transaction with a proper fee amount and it went through. The fact that the BTC were moved from the wallet in transaction # 3 permanintly invalidates transaction # 2 The transaction ( s ) 2,3 were for about XXXX bitcoins from one coinbase wallet to another. 
Coinbase debited for both transactions, and only creditied for one transaction. Transaction # 2 above will never ever be confirmed. ( If it was confirmed it would double spend the BTC in tranasction # 3, somethign the blockchain won't allow. ) Its now been almost 4 weeks and my coinbase account shows a negative balance of XXXX bit coin ( The differnce in the fee between # 2, # 3 ) when it should show XXXX BTC. 

Coinbase Support will not give me ANY information on when they might resolve this. Their own online documents say unconfirmed pending transactions should be removed after two weeks, its been 4. 

Even if the pendign tranasction went through ( and it cant ) it would be credited to coinbase, so there is ZERO possible loss on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Closed my account debit card XXXX on XXXX XXXX, 2020. My SSN is XXXX & my address is XXXX XXXX XXXX XXXX XXXX ca XXXX. My cell number is XXXX. My name is XXXX XXXX XXXX. Ive waited over 2 weeks to get my replacement card since I reported my card stolen.

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 2018-01-29
Company: Experian Information Solutions Inc.
State: SC
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 have an delinquent past due account on my credit file, that doesn't belong to me or I am associated with, I have contacted Experian/XXXX with no successful resolution. It says the account was open on XX/XX/2017 and the original creditor was XXXX XXXX , whom I have no idea is, or what products they deal with. This new collection has dropped my score over 40 points due to this derogatory item.

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 2022-03-01
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Re : Complaint Against XXXX & Credit Acceptance Dear CFPB, I am writing to dispute the following information in my file. The items I dispute also are attachment copies of the report I received from Credit Acceptance. 

XXXX is reporting inaccurate and incomplete payment history for last several years that I demand to be deleted from my credit report because the item furnished is false and unverified. I am requesting that the item be deleted. 

Enclosed are copies of documents supporting my position. Please thoroughly and accurately reinvestigate this matter and delete the disputed item as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: AES/PHEAA
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a Notice of default that the Pennsylvania Higher Education Assistance Agency ( PHEAA ) had to pay on a student loan that was identified in the notice on XX/XX/2018. They are demanding I pay in full the entire balance of {$380.00}XXXX XXXX immediately. Per previous complaints filed with the CFPB, AES Resolution Dept, Dept of Education, PHEAA Theft/Fraud Prevention Services, FTC, ED FOIA Manager, USA.gov, The Office of Compliance and Enforcement ( LSC ) and the Ombudsman, I am ignored, asked questions regarding my past Medical/XXXX issues, impending retirement possibilities by either Customer services, Supervisors and Upper Management. PHEAA had informed me, after I had filed another claim with the Credit Reporting agencies, that my Student Loan was in process of being transferred back to XXXX XXXX, now XXXX. And, XXXX would make the decision ( s ) regarding what to do with this student loan and all of the problems associated with it. That XXXX will be contacting me. In the meantime, I was instructed to wait until I hear from XXXX. Instead, I received a Default Notice from PHEAA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I disputed a bankruptcy that was on my Experian on XX/XX/17 and it was said that the information was verified. I called back after the results of the dispute and was told that the could not provide the information that was used to verify the information. I called today and spoke with XXXX who initially advised me the the bankruptcy was verified by the court which is no true because the court does not verify credit information when I advised the agent of thi he advised that the bankruptcy was verified by a public record vendor but could not disclose the name I then requested to speak with a supervisor which was XXXX. The supervisor advised the he could not provide the name of the Public record vendor and that he did not know it. Both representatives said that they were in the XXXX XXXX office.

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 2020-02-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Bank of America denied my claim for fraudulent use in the amount of XXXX after being a platinum customer with them for over 23 years. The first time I lost my debit card and someone used it to withdraw thousands of dollars - Bank of America failed to send me any security alerts. After making the claim - BOA ran surveillance videos of who was using my card at the atm and determined it was a male with a baseball cap - ( by the way I am a female ). Even after running the videos and seeing it was not me .. they still denied my claim stating they do not have enough information to be liable.

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