BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-19
Company: SYNCHRONY FINANCIAL
State: AR
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Synchrony bank stated my account will not be reinstated so i want disputed items removed from my bill and late payments removed from credit report. 

I want XXXX XXXX  to be held responsible for deceptive business practices. It has been over 6 months & they have not honored the warranty I purchased! They sent synchrony bank a invoice with a fraudulent signature on it that did not belong to me. At this point I do not trust them in my home! 

If synchrony will not remove disputed items I want XXXX XXXX  to pay the balance of them.

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 2018-03-07
Company: Professional Recovery Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello I'm requesting help with a verification of debt with XXXX XXXX XXXX. I wrote them on XX/XX/2018 and they never responded.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Experian Information Solutions Inc.
State: AL
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'm soon to be in the market to purchase a new vehicle. I started preparing by checking my credit report to know what my credit score was. After doing so I noticed a couple of items that are not mine on my credit report. These items need to be deleted from my credit report. I've contacted the FTC, the police and I'm doing this on my own behalf. Chapter XXXX Bankruptcy, Chapter XXXX Bankruptcy, XXXX. Inquiries : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX, XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
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: Personal information incorrect

Complaint:
This is the XXXX time I open a case against Experian because they don't have my name correctly on my credit report and they also have an address there that I was never associated with. 
My name is : XXXX XXXX XXXX XXXX NOT XXXX XXXX XXXX My only address is : XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX NOT XXXX XXXX XXXX XXXX, XXXX, FL 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 2022-08-31
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/22 My account with Amex was closed out of the blue for no reason that they can see and holding my funds and said they are sending my funds back to the original bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: EdFinancial Services
State: CA
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:
Requested a {$3000.00} refund from EdFinancials due to Loan Payment Pause and was told it will take 120- 150 business days, while other lenders are taking 4-6 weeks. I'm not sure why this is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2020, I deposited {$120.00} into my coinbase account. I did this via purchasing bitcoin on XXXX XXXX, and then sending it to my wallet on coinbase pro. After this, I sold my bitcoin on coinbase pro for USD. 

I then proceeded to complete the Coinbase Earn program, and was compensated with {$38.00} in various cryptocurrencies as a reward. After completion of the program, they give you the option to refer someone to do the same and receive up to {$10.00} in rewards per completed referral. 

I referred my mother, who I then helped set up a account on coinbase. 

Immediately after this, my account was locked, and I am no longer able to access any of my USD on the Coinbase Pro  app. Within their Terms of Service, they explicitly state that unless ordered by federal or legal means, youre money will always be available to withdraw to a verified bank account. 

Not only do I have a verified bank account connected to the company, but I have provided all necessary identification verification documents. They are in direct violation of their own terms of service, and are illegally holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Convergent Resources, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have Convergent Outsourcing Inc on my XXXX and XXXX credit report. I have disputed the info with Convergent Outsourcing they have not responded at all. I sent the dispute more than the 30 days ago and I have not received any response from them. The amount is XXXX that is reporting on. my credit. I have asked XXXX and XXXX to look into this matter and all they said was that it was verified. They did not do any real digging or an investigation into this matter. They simply used E-OSCAR to verify and validate the info. I am asking that since I have disputed the info and they have not responded that the account be removed from my credit report. We are in a pandemic and the credit bureaus are not doing their jobs by making sure credit reports are accurate for consumers. I am asking that the CONVERGENT OUTSOURCING INC. account 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 2020-07-24
Company: BARCLAYS BANK DELAWARE
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: Account information incorrect

Complaint:
Barclays credit card is garnishing my wages, i have paid them over 350.00 via garnishment and they have yet to update my balance owed on my credit report. I have contacted them multiple times, i have report the inaccuracies many times and each time they adjust the amount by XXXX dollar, so that the balance decreases. They have not been honest with their credit reporting practices. I have disputed them with XXXX, XXXX, and XXXX and each time they Continue to do the same thing and report incorrect info on my report which is damaging my score unfairly.

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 2023-05-19
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am the victim of identity theft. I recently learned that XXXX XXXX is reporting a bankruptcy filed in 2016 that I did not file. I have an FTC Identity Theft Report and a Court Order confirming I am the victim of identity theft. I did not file this bankruptcy and the bankruptcy is over 7 years old from the filing date. It is not mine. I have submitted my current identifying documents to prove my current identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: Receivable Collection Services, LLC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Im writing to dispute a bill of {$1300.00} ( the 2 XXXX  charges ) received from the Receivable Collection Service sent on behalf of XXXX XXXX XXXX. 

Prior to receiving this bill, I was not aware of the outstanding balance nor did I receive a bill from the medical office. Upon receiving the bill, I checked with my insurance company and was informed that I am not responsible for that full amount. 

When I contacted the collection agency afterwards, they agreed that i am not responsible for the full amount either. I was promised the amount will be corrected, but to this date I have yet to hear back. It has been almost 2 months at this point with no change has made. 

Therefore, I am formally requesting to have the Receivable Collection Service remove the balance of {$1300.00} from my account. Enclosed are a copy of the bill received and a copy of the insurance statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: BAM Management US Holdings Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2021, I wired {$100000.00} to Binance.US from my XXXX account. On XX/XX/2021 I realized the money had not been credited to my Binance.US account, so I initiated a ticket. The ticket is their method of gathering information on complaints and issues. The ticket number is # XXXX. 
I have contacted XXXX. They confirmed the money had left my account there. 
I contacted the receiving bank ( XXXX XXXX ). They could offer no assistance. 

Binance.US only responded once. That was on XX/XX/2021 ... the day of the initial complaint. They asked for the reference number of the transaction, which I provided. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-25
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX  XXXX XXXX reported a unsubmitted balance to my insurance as a founded balance to a collection agency called XXXX  XXXX XXXX XXXX whom failed to rendered supporting documentation that they are in compliance with services that would have been covered under insurance but, due to the negligence of the doctors office, as I was covered my XXXX  within the state of Maine as I was XXXX  and unemployed at the time. The provider and the insurance confirmed there was no bill and since they failed to submit the claim nor did they notify me in a timely manner ( until it was presented to collections ) the insurance will/did deny coverage because the claim is untimely. Moreover, substantial risks and delays associated with continuing to pursue their lien rights instead of being paid by the clients health insurance need to be brought to the providers attention as well, due to this gross balance causing a huge impact on my creditworthiness If not removed litigation will be set forth, and court will rule and i will sue to the negative impact caused over the years

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 2020-07-24
Company: Sequium Asset Solutions, LLC
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
in XX/XX/2020 my payment did not go through on autpay. they did not notify when it didnt go through. when i called the company they said they see the transaction coming out. when it didnt go through they never notified me. now i have a late payment on my credit report and its damaged my credit and not allowing me to get a mortgage. i tried calling the company and they wouldnt help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 is the first time I have ever encountered identity theft. I pulled my credit for myself and there are many fraudulent accounts that do not belong to me. Not only did I find out that my name and social security was being used to open accounts, but also while I was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these unknown items from my report 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 2018-09-25
Company: JPMORGAN CHASE & CO.
State: NY
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:
Chase mortagage did not update my account information correctly. Credit report shows Ive been late on my mortgage payments for XXXX and XXXX of this year which is not correct. Ive been current on my mortagage payments since XXXX of this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
Company: Navient Solutions, LLC.
State: NH
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:
My wife and I consolidated our student loans in 2010. They advised us to list my wife, XXXX XXXX, as first on the loan, because her credit score was higher. However, they neglected to tell us that consolidating the loans, with her name first, would prevent us from taking advantage of student loan forgiveness for teachers. I don't make much money, and I am a teacher in a school in a high poverty area. I should be able to get student loans forgiven, but I can not, because the loans are consolidated and my wife 's name is first. I am doing a service to society by working in a poor school for 12 years, and yet I can not get the financial benefit for doing so that I ought to be eligible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Coinbase, Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used my coinbase wallet to store a cryptocurrency called XXXX XXXX I was storing XXXX XXXX  worth at the time {$1400.00} USD. Sometime yesterday someone transfered in roughly XXXX worth of etherium then transferred all of my shib out of my wallet. I have it set up to request a pin sent from coinbase to my phone for transfers out of my wallet. No requests were made or received. I have pictures of the wallet addresses that were involved. I suspect it was a coinbase employee.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Was not notified of investigation status or results

Complaint:
On XXXX 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 from 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 2020-07-07
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 my placed an over the phone payment for my home mortgage with US Bank. Unlike previous payments we used my wife 's bank account with XXXX XXXX XXXX. At this time we thought everything was fine as the payment over the phone seemed to be ok on the automated system. On rough ; y XX/XX/XXXX I received a letter from US bank stating that our payment was past due and had been reported to the credit. Upon researching what had occurred we found that due to my wife 's XXXX she had used the wrong number for her account. We have reached out to US bank numerous times and have been told there is nothing they can do to help as it is factual that the payment was late. It was only late due to an error caused by XXXX. This is unfair and punishing us due to my wife 's XXXX. I have been advised by credit repair agencies that mortgage companies can work with people, usually by stating " I you make X number of on time in full payments we will rescind the report '' US bank had refused any such arrangement or other arrangement stating there is nothing that they can do. We are being punished because of my wife 's 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 2020-07-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first  established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX  and XXXX XXXXXXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

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 2020-09-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax is not allowing other entities to view my credit file when I try to gain credit. I can not view my credit file on XXXX XXXX, XXXX, myfico, etc. When I go to view my credit report, I can only see my XXXX  and XXXX  reports, not Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
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:
id theft victim XXXX XXXX XXXX Account info Account number XXXX Date opened XX/XX/2021 {$31000.00} Amount Not my 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 2021-03-02
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a {$120000.00} check into my savings, but when I checked the bank account it is missing! I Looked at my receipt and it is NOT my account # that it was deposited into! I called the bank and they refused to help me unless I came into the branch to file a document and even then it would take days to get resolved! I told them they made the mistake and I want my money, and I am not driving back to AZ to their branch to fix it, they need to fix and transfer!!!!!!! They told they would call me back and now they will not answer the phone or call me back and my money is missing!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation