BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
In anticipation for Hurricane Irma to hit our community and to have the cash needed to make repairs and make payroll we liquidated our Coinbase accounts ( four transactions on the same day totaling to approximately just over {$6300.00} ) on XX/XX/XXXX with a delivery date provided by Coinbase of XX/XX/XXXX. 

The account has been verified by Coinbase for months had same day debits from Coinbase when making purchases in the past as recently as XX/XX/XXXX, yet Coinbase has not been able to deliver a credit for over a week. 

As the money was not there on XX/XX/XXXX, support tickets were opened with Coinbase, messages were sent via XXXX to the payment support team, and private messages were sent to moderators on the Coinbase subreddit who are marked as Coinbase employees. 

The transaction history within Coinbase shows an ACH transfer date of XX/XX/XXXX. Reaching out to XXXX XXXX XXXX they have zero record on their end of any transaction processing. Having worked as XXXX on the data acquisition team for XXXX ( XXXX XXXX XXXX XXXX ), there is a familiarity with the ACH process and transfer times. Coinbase 's timeline appears to yield discrepancies in regards to generally accepted processing times. 

Coinbase 's response has been a single email of " ... we are aware of the issue ''. Looking to support forums for help this appears to be a recent issue with Coinbase, which could indicate a liquidity crunch.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX,, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-26
Company: Ad Astra Recovery Services Inc
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
During XX/XX/XXXX, I went online for a payday loan. I received a noticed I am approved for {$400.00}. I asked this company do they have licensed to lend in Virginia, they advised me they are license in Virginia. I never did received the loan in my bank. The next month, I noticed they took money from my account. I called the bank advising them of unauthorized action on my account, to close our account. I also check with the State Corporation Commission of Virginia to see if XXXX XXXX was granted license in Virginia. I was told XXXX not licensed in Virginia to do payday loans. On XX/XX/XXXX, we filed a Chapter XXXX Bankruptcy, inserting all out debts to include XXXX on our Petition. On XX/XX/XXXX, we were grant a discharge from all our debts. About two months ago, it appears XXXX, sold the fraudulent loan to AD ASTRA RECOVERY SERVIC. Now this debts is showing on all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, INC.
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original  Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: National Credit Adjusters, LLC
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: Investigation took more than 30 days

Complaint:
XXXX XXXX XXXX XXXX  {$4600.00} Original creditor : XXXX XXXX XXXX XXXX Overview You have 100 % left to pay on this collection. 

Balance {$4600.00} Highest Balance {$4600.00} Opened XX/XX/2020 ( 8 mos ) Account status Open Type -- Responsibility Joint Remarks Consumer disputes after resolution Original Creditor Name XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: First Credit Services Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First Credit Services calls me at least 5 times a day from multiple area codes. I have blocked many of their numbers and they continue to call. Here is just a list of the numbers I have had to block to try and get some peace. 

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 explanation
Consumer complaint received 2017-12-19
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: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, and on XX/XX/XXXX disputes were sent out to all three credit bureaus regarding specific accounts that are on my credit file that do not belong. In each case, nothing was sent to me but a standard " VERIFIED '' letter. No proof that the accounts had been legally verified, no proof that the dispute was even handled at all. Just a computer system sending out verified letters. I have waited over 90 days for the same thing each time. I have specifically asked for verifiable proof that the accounts I have disputed are mine. In the case that they are NOT mine, which they are not, I would like them removed immediately. As a consumer, I have the right to dispute incorrect items on my credit report and to have it handled the way it is suppose to be handled. Not some standardized letter that is sent out to 100 people an hour.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-11
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Discrepancies with XXXX XXXX XXXX, formerly known as XXXX XXXX XXXX originated from XXXX XXXX XXXX in which the Payment Credits have not been applied to the said Loan for Principal Payment Reduction Credits, Interest Payment Credits and Escrow Payment Credits other than idled / situated in the order of Suspended Account Funds.

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 2018-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion is refusing to remove inquiries that were obtained without my permission, Ive sent them numerous request asking to remove them and they have not, so I am filing this complaint against them for unfair credit reporting. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/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 2017-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. Someone stole and used my credit cards and made fraudulent and unauthorized transactions on all 3 of my credit card accounts. My entire credit limit was used and all the transactions are fraudulent and unauthorized. The following credit card accounts are lost/stolen : XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX credit card account, XXXX, the accounts are lost/stolen and all of the charges/transactions are fraudulent and unauthorized.

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 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Transunion refused to remove a bankruptcy from my report that is not following the new reporting laws set as of XX/XX/XXXX. I disputed with the BBB and the only step they took was to verify that it was me. Transunion out right lied saying that it is reported on my credit report with all the information required by law which it is not! I have attached a picture of how Transunion is reporting the bankruptcy on my credit report. With the new reporting law in place millions of misrepresented and ill reported information including bankruptcies, tax liens, and civil judgments are to be removed because of the credit bureaus poor reporting practices!

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: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am filing a complaint in regards to First Tech Federal Credit Union. I was referred to opened a checking account & saving account online on XX/XX/2020, and completed the deposit of {$250.00} on the same day and have maintained the required $ XXXX balance ever since per the terms of their their referral reward of {$100.00}. In the term, it says the reward will be deposited into the saving account within 30 days after maintain {$250.00} for 30 days, which should be deposited by XX/XX/XXXX in my case. However I have not received any reward as of today. I sent secure message to the bank 's customer service but the rep asked me to provide the full name of the referrer as well as their phone number or email. However, providing such information was not noted in the terms of bonus offer, thus this excuse should not be the reason they reject my reward. I am unable to provide the referrer 's information, but had I known it was required, would have obtained it from the beginning. I am seeking help on CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-30
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly urge you to rectify this situation immediately and ensure that my account accurately reflects my history of on-time payments.

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 2020-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX - partial account number XXXX. ( Please see pages attached from my credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account that has a {$0.00} balance. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-05-26
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Despite the fact that the CARES Act required that all student loans would be in forebearance and no payments would be required between XX/XX/2020, and XXXX XXXX, 2020, PHEAA/FedLoans autodebited a payment of {$870.00} from my student loan account on XX/XX/2020. I have written in twice requesting a refund ( once in early XXXX, and one on XX/XX/2020 ) and have not heard back on either occasion.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Typically the monthly payment is XXXX and we sent in XX/XX/XXXX amount XXXX for XXXX months in advance but Wells Fargo applied to Principal instead. We called but they did not want to reverse it. 

The strange thing was all advance we sent in XXXX, and XX/XX/XXXX, XX/XX/XXXX, and in XX/XX/XXXX was reversed and applied to regular monthly payment no 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 non-monetary relief
Consumer complaint received 2021-10-06
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: Investigation took more than 30 days

Complaint:
Filed a dispute with XXXX, XXXX, and Experian all on XXXX XXXX, 2021. It is XXXX and I still have not received anything back from them. They are not following their own policies by responding within 30-45 days. Even sent a demand to comply letter! This is ridiculous. Those items disputed need to be removed immediately!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I recently reached out to Comenity Bank which is a part of Victoria Secret when COVID-19 hit Alabama and informed them that I needed help with my bill. They offered their assistance ; however, during that time I was able to pay my minimal balance and pay my bill down to where I had available credit of {$150.00} out of a {$250.00} limit. I then requested a limit increase. They sent a letter saying that I was denied for the increase and my balance would remain at {$250.00}. A few days later, I got another saying that my credit limit had been decrease to {$110.00} which left me with an available balance of {$7.00}. I called to ask about this and how they could do this. They said because I had fallen behind on my bills. This was not correct when actually I had improve significantly and worked hard over the past few months to make sure nothing went delinquent. I requested that they return my {$250.00} credit limit because they decrease me days before they were reporting to the credit bureau which would cause a significant decrease in my credit report because it would seem that I am using over 90 % of my credit usage. This is unfair to a customer especially during hard times like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Windham Professionals, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I live in XXXX  ... .im employed at about XXXX a year... ..It 's NOT my fault our country doesn't offer affordable HEALTH insurance ... ..To pay the amount owed and FURTHER bills coming is not in my capacity. The best i could do is {$100.00} a month... .NO MORE .....

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I co-signed on a loan with XXXX XXXX for my ex-husband, he got into an accident with that car loan and the car was fully covered by insurance company so it should have paid off the loan. My husband and I separated and I found out years later that the loan company only paid everything but one payment. Since they were unable to locate my husband they charged off the account, then they located me years later and has been reporting as open and late payments years later. I agreed to pay off loan with them marking account paid as agreed on my credit. I sent certified letter for this and spoke with someone on XX/XX/2023 and XX/XX/2023 when I made final payment agreeing that they received the letter and would mark account as paid as agreed. There are also several inaccuries being reported on my credit with this car company and this has been reported to all 3 major credit bureaus. This is still listing with an open balance of {$390.00} to spite it being paid on the XX/XX/2023 and all late payments are still reflecting. Every time I contact XXXX XXXX they state they will remove them and they are still not removed.

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 2021-08-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I NEED MY ACCOUNTS UNFROZE. I have XXXX in my accounts from my PPP loan. My account has been frozen for a whole week after NAVY FEDERAL APPROVED ME. I have kids and I need my money. I just please ask can they unfreeze my accounts please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After again noticing the debt on my credit report, I sent a Debt validation letter to IC Systems (XX/XX/XXXXXXXX XXXX XXXX., A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, IC Systems did not cease collection activities, in fact, they recently continued reporting to the credit bureau. To date, I have not received a letter or phone call from IC Systems or any attempts by the debt collector to validate the debt they believe I owe. It has been more than a month since they RE-placed the debt on my credit report and 1 month since I requested validation. Last year when the debt validation was requested, IC Systems XXXXXX/XX/XXXX XXXX XXXX removed the debt from my report, but again for the 3rd time was recently added. 

Previous complaint XXXX Submitted to the CFPB on XX/XX/2019 This is the response from IC Systems -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Re : IC System Reference No : XXXX Original Creditor :XX/XX/XXXX Account No. XXXX Dear Ms. XXXX : IC System has requested that any information our office may have forwarded to the credit reporting agencies be removed or deleted from their records. You may wish to check with your local credit bureau in 30-45 days to ensure your credit file has been corrected.

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