BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I received a message from coinbase saying that they think I logged in from XXXX and they asked for some identification. I provided my documents which shows that I am a XXXX  citizen in the XXXX. They told me that they would review my account within 4/5 business days and they would get back to me. Five days gone and they dont even answer anymore. I read peoples comments with similar issues and I realised my funds could be locked away from me for ages. I hold just less that XXXX XXXX in my account and I have no access to them. The fact that they kept me uninformed is so frustrating and I would like to make an official complaint. Please help if you can. My case number with coinbase is XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: Experian Information Solutions 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:
A couple years ago I was involved in a medical data breach and my personal information was exposed. I never checked my credit because I didn't have a reason until recently. My wife and I are planning to buy a house and I was informed I have accounts on my credit that I did not open. I contacted the companies directly but received no response.

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 2018-01-30
Company: SYNCHRONY FINANCIAL
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:
have sent 2 certified letters asking all credit reporting agencies to VALIDATED ( not a verification ) this account with proof of the Certified copy of the TRUE BILL ( not a statement ) and copies of Original documents with my ( Wet Seal Signature ) on them nothing has been sent to me showing the account was VALIDATED or Original Documents showing my Wet Seal Signature with certified copies of the TRUE BILL ( not a statement or a verification ) I Now Demand these request to be placed on file that I have requested these items that have been ignored the credit agencies told me that they closed the cl as I'm stating it had nothing to do with them the account was valid I NEED THIS ACCOUNT TO BE VALIDATED, WITH THE ORIGINAL WET SEAL SIGNATURE SHOWN ON ORIGINAL DOCUMENTS AND A CERTIFIED COPY OF THE TRUE BILL to be sent to me i was told it was left up to the company to send me that I never received that information that was requested and the creditor closed the case as completed and VALIDATED this creditor also needs to update the address on accounts to XXXX XXXX XXXX XXXX XXXX XXXX California 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 2021-11-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1.
NISSAN MOTOR ACCEPTANC XXXX Date opened XX/XX/2019 Balance {$0.00} ; 2. NISSAN MOTOR ACCEPTANC XXXX Date opened XX/XX/2019 Balance {$0.00} ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
CHASE RIPS XXXX XXXX OFF OF {$65.00} XXXX XXXX. SEE ATTACHED. 

SECOND ISSUE IS XXXX XXXX COMPLAINS CHASE DEFRAUDS XXXX XXXX ON CHECKING XXXX XXXX XXXX XXXX OF 3 FRAUD CLAIMS IN 60 DAYS XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XX/XX/XXXX {$40.00} XXXX XXXX XXXX XXXX DISPUTES FRAUD OF XXXX THE FIRST FRAUD IS XX/XX/XXXX AND LAST FRAUD XX/XX/XXXX AND ALL 3 LIE IN 60 DAYS. THESE ARE THE THREE CHARGES THAT I DISPUTE. XXXX REFUNDED ME AND THESE WERE NOT FRAUD. XXXX IS HITMAN AND XXXX. SO THESE 2 CHARGES WERE REFUNDED BECAUSE I ASKED XXXX TO REFUND. XXXX REFUNDED ME. DONT CALL REFUNDS FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a Charge account from a previous employer currently being reported as " Charged off as bad debt Profit and loss write-off. 
As of XX/XX/XXXX the balance on the account is {$420.00}. I do not have any record of owing this amount because I did not have an outstanding balance. My credit report also indicates that I have paid 100 % of the original balance and the highest balance is at {$0.00}. 
The card was opened on XX/XX/XXXX and had a {$0.00} limit on it, meaning I would have to add money to it before it can be utilized for purchases ( like a pre-paid or debit card ). Once used, the remaining positive balance on the card was sent to me in the form of a check ( I have attached a copy of the last 2 checks i received. ) The only purposes the card served was to receive the employee discount and I never received a credit line from the bank. 
I have being trying for a few years now to get it removed and I have been unsuccessful. The bank will not remove the item from my credit report, I called the number listed on the report and they do not have any history of the 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 2019-09-11
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Date:XX/XX/19 Time:XXXX Citibank ATM ID XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY I called and indicated that I deposited 3 checks totaling around {$1200.00}. The bank said it will investigate and will take 10 business days. I have few payments that need to be processed and some check payment will be bounced because my account will have a negative balance but the bank said they cant do anything annoy it because of the system issue. This bank is a global bank so how could this happen? I had similar issue with XXXX last year but they were able to temporarily reverse it so that I dont have to be in such situation that I encounter additional fees since it isnt my fault.

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 2019-09-11
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I paid off my loan and i have proof from my bank, yet the company says i owe two loans. You can not re-loan if the first loan isn't paid off. So this company is double dipping on me plus charging me additional fees. I want them to be fined in the amount of {$1000.00} to be payable to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-05
Company: Experian Information Solutions 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:
My XXXX XXXX XXXX XXXX Visa credit card is lost/stolen. The XXXX XXXX XXXX XXXX Visa account number 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 2021-11-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I purchased a new XXXX  XXXX XXXX XXXX back inXX/XX/2019. The vehicle starting giving problems a month or two after purchase. I took the vehicle back to the dealership with ( brake noises ) concerns, which turned out to be the rear axle. Even after the repairs, the problem still processed. So I started my XXXX XXXX case with the XXXX and XXXX. In the XXXX  letter of responsibility did no state I would have to cover negative equity, so I proceeded to purchase another vehicle to prepare for the repurchase. A week later XXXX sent over the repurchase letter, which stated I would owe {$14000.00}, in order for them to buy back a defective truck. I didnt have the funds so it triggered a repossession to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-16
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze on my Experian report on XX/XX/2021. On XX/XX/2021 Experian released my credit report to 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 2017-06-13
Company: EQUIFAX, 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:
XXXX   XXXX   account that was opened  XXXX  was charged off in  XXXX . Item was paid in full  XXXX   XXXX . Equifax and   XXXX   are both still reporting this account as late for a payment status instead of paid. Also, Equifax is incorrectly reporting as " failed to pay '' for  XXXX ,  XXXX  when there is nothing left to pay. This account was paid off 3 months ago for the full balance due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Disputed The Company XXXX on my credit report several times because it was not my account. Someone had stole my identity ( my ID and SScard ) and purchased some credit cards and a car loan in my name. Tried to do the right thing and reach out to the company. A young lady called me after reporting it by the name of XXXX/XXXX. Seemed nice at first. She told me to send them a copy of my drivers license, sscard a notarized identity theft affidavit and that should clear things up and they would take it off. She then sent a email and a letter to my house explaining the same 3 things to fax to them. I did exactly what she asked of me to do and then she called me back stating they needed some more documentation showing bills front hr past few years and etc and that would help with my case. I told her it was ridiculous! Something told me to go online and look this company up and when I did, I haven't seen not one good comment about them. I even saw where someone who actually had a actual account with them paid off their loan and they still put it on their credit report as not paid off. I am tired of battling with this company trying to prove to them that the account with them is not mines. They are being stubborn and yes, when I called in to ask for XXXX they were very rude on the phone. I couldn't believe it! I now have to waist money and seek legal help with this company from their unprofessionalism!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had a Coinbase account where I purchased bit coin and where I also stored United state dollars. For some unknown reason, I received an email from Coinbase on XX/XX/XXXX stating that I violated their terms and my account would have to be closed without any detailed explanation. I am now trying to transfer out my remaining funds from Coinbase but am unable to link a bank account to complete the transfer. I have sent 2 separate emails to coin base with no response. All I wish to do is withdraw my money out of Coinbase but they are not helping, or telling me how to do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: EQUIFAX, INC.
State: NV
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 received a copy of my credit report after receiving a call from a debt collector that I'd never done business with. I believe my info was a part of the Equifax data breach awhile ago and someone has got my information and using it to open multiple accounts in my name. I filed a police report and an identity theft report. I also sent my ID, social, bank statement showing my address and all pertinent info to all 3 credit bureaus and they still have not removed the items I disputed as fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
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:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the Inquiry that is still reporting on my Credit Reports and need to delete completely from my Credit Report : XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: BYL Collection Services
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a collection letter from BYL services on XX/XX/XXXX which is dated XX/XX/XXXX. This company has sent me a letter which I already have accounts open with XXXX XXXX with monthly payments of XXXX XXXX dollars. I have two accounts with them and have been paying them and have not been notified of any delinquency on any of my accounts. The account number referenced from XXXX XXXX has not sent me any statements my file show no statements sent since XX/XX/XXXX. I submit my payment when I receive my statement. I getting a collection letter. Today is XX/XX/XXXX and I usually obtain my statemen because it is due by XX/XX/XXXX and the current bill is due by XX/XX/XXXX no statements have been recived for either bill all month long. Something fraudulent going on???

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am filing a complaint against Transworld Systems Inc. ( TSI ) for violation of State and Federal debt collecting laws. TSI, a third-party debt collector that is collecting an alleged credit card debt on behalf of XXXX. TSI is in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c and the State of Texas Debt Collection laws under Title 5. Chapter 392. Specifically, FDCPA 15 U.S.C. 1692c 805. Communication in connection with debt collection and 806. Harassment or abuse, and Texas Finance Code Sec. 392.302.for using the telephone to harass me, and failing to abide by a cease and deist communication order. Additionally, TSI does not have a surety bond and has not filed a copy of the bond with the Office of the Secretary of State in the State of Texas and is in violation of State law by engaging in debt collection in Texas. 
Note, in XX/XX/XXXX, I notified TSI in writing to cease and desist any communication with me, as well as my family and friends, in relation to the alleged debts owed. I advised that I did not want to be harassed repeatedly using the phone to annoy me by calling my home multiple times per day. The phone calls ceased altogether shortly thereafter. For some unknown reason, on XX/XX/XXXX, TSI resumed its harassing phone calls to my home, leaving voicemail messages with my personal information. The calls are originating from different local phone numbers with the prefix of ( XXXX ) XXXX, and XXXX XXXX XXXX XXXX. I am attaching a screenshot of the voicemail log that I printed out from the XXXX XXXX XXXX ( home phone provider ) which contains a log with the phone numbers, dates, and times of the calls. The voicemail messages which have been preserved, state the following : This is an important message from Transworld Systems Incorporated a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. Please return the call to XXXX XXXX at XXXX XXXX XXXX XXXX. Again, that XXXX XXXX at XXXX XXXX XXXX XXXX. Thank you. Transworld Systems Incorporated is a debt collection company. This is an attempt to collect a debt and any information obtained will be used for that purpose. When calling please refer to your ID code XXXX. Thank you. ( screenshot of the transcribed voicemail is attached as well ) I have never revoked or withdrew my cease and deist notice. I have also not been in contact with TSI for some time now. Therefore, I am confused about why TSI has resumed contact, especially about this alleged debt that has been disputed multiple times over.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-30
Company: HEARTLAND PAYMENT SYSTEMS INC
State: SD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX XXXX University has engaged an outside party called https :  XXXX XXXX XXXX to provide students with XXXX IRS TAX FORMS. Heartland.ECSI.net   .suckered me into making an account with them that I can not delete. They will not provide a delete account option. Their phone and online chat wait time is so long it is unbearable. Is it University outsourcing? I do not know but this is the second University to do this to me this week. XXXX XXXX XXXX University made me submit my personal documents to an organization called XXXX, which also will not let me delete an they tricked me into making. I do not know who in the State of South Dakota is making these horrible outsourcing of Univesity data and personal privacy but IT MUST BE STOPPED IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-16
Company: EQUIFAX, INC.
State: OH
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 submitted a letter to Equifax asking them to provide me with the information they have obtained to validate the accounts that are currently listed on my credit report. There are numerous accounts listed on my credit file that are inaccurate, multiple listings and accounts that are to old to be on file. As of today, Equifax still have not provided me with the information that I requested of them. Attached is the letter that I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-18
Company: PROVIDENT FUNDING ASSOCIATES
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a shortage on my escrow account and the payment went up way more than 10 percent. When I tried to contact the lender to stretch my escrow shortage only for more than 12 months, the answer was NO, they can not. I don't understand WHY because every lender in America will provide help with this. 

My payment went up 20 percent. I guess PROVIDENT is out of touch with their clients. Also, I DO NOT want to beon COVID 19 plan which is the only thing their assistant XXXX recommended. Please help me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Item opened XX/XX/2021 and reported XXXX for {$420.00} by Convergent Outsourcing. The company in which I am writing this complaint never allowed me to dispute the information placed on my report. I never received a letter or notification of this item until placed on my credit report. I was not able to submit a letter because I never had an account number to dispute the item. When disputing the item with the credit bureaus, this company clients they did not violate the FDCPA, 15 USC 1692g allowing me to request validation of this debt. It has caused me emotional distress and mental anguish. When applying for work or credit this item is reflecting a character of nonpayment when I have not had this matter in quite some time. When asked to remove this item I was declined although no proof was provided to show the accuracy of the reported item by the collector or original owners of this debt. I have not documents to submit honestly because it never received any.

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