BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-16
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have an account on Coinbase ( cryptocurrency ). I have made prior purchases/transactions for bitcoin and ethereum with Coinbase. I have already sold one of my bitcoins however a 2nd bitcoin I purchased in XX/XX/XXXX is not available for my use/sale at this time. I had received an update this past year regarding concerns of identify/online thefts of cryptocurrency  and I moved my 2nd bitcoin into a vault that required 2 factor email verification. Unfortunately I left the job that the 2nd email was associated with later this past year and no longer have access to that email account. I have emailed Coinbase since XX/XX/XXXX multiple times including this past month on XX/XX/XXXXrequesting they move my remaining XXXX  bitcoin from my vault to my wallet. They assured me they have the capability to move my cryptocurrency  from my vault to my wallet and have emailed me multiples times stating my request has been escalated to their specialists/tech department however its now been almost 4+ months without resolution and my XXXX  bitcoin is still in my vault without access. I have requested multiple times by email that they move the remaining cryptocurrency to my wallet without response and they are no longer answering my follow-up emails ( last one dated XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX Date Opened : XX/XX/2015 Balance : {$20000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-20
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle from Texas  XXXX  of  XXXX ,   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , TX  XXXX  on  XXXX / XXXX /  XXXX   The vehicle was financed with  Fifth Third  Bank  XXXX   XXXX   XXXX   XXXX , OH  XXXX . They received my  Credit Union  certified on  XXXX / XXXX /  XXXX  . I still have not received my lien release.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer privacy and confidentiallity under 15 USC 1681.

15 USC 1681 Section 602 A States I have the right to privacy.

15 U S C 1681 Section 604 a Section 2 it is also states a consumer reporting agency can not furnish a account without any written instruction.

USC 1681 c ( a ) ( 5 ) Section States no consumer reporting agency may make any consumer report containing any of the items of information .Any other adverse item of information other than record s of convictions of crimes which antedates than seven years.

USC 1681 s-2 ( A ) ( 1 ) person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

XXXX XXXX XXXX {$13000.00} - XX/XX/2023 XXXX XXXX XXXX {$1100.00} - XX/XX/2023 XXXX XXXX XXXX {$4000.00} - XX/XX/2023 XXXX XXXX XXXX {$4700.00} - XX/XX/2023 2023

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: EQUIFAX, INC.
State: WA
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 paid off a car loan recently ( last month ). My credit score was XXXX. All of sudden, my credit score went down XXXX points ( please attached proof ) a few days ago from XXXX XXXX app. I found it very unusual and unfair for my credit to be significantly impacted that way. I work hard to improve my credit. I just dont think it is correct for my credit to go down the way it did, especially when I have made payments to pay off a debit and to keep my account current. I want your help to correct the error in my credit score reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Chase accepted, never refunded my cash, never answerer n good faith my complaint to, the cfpb n that 's like being guilty, using foreigners n another world with possession of my data, is like commercial activity, fsilure to controvert what I alleged repeatedly is deception in banking also denial of loans to unlike other banks chase is a scam artist sending computer generated documents instead of registering as debt collector and by law answering too the cfpb files I pursued instead retaliation vs my mom n their banking'3party, syndicators'chase collectibles, is a very immense sneaky little trick my mom is was POA, n they fig going after her would back me off fck chase! their arms had signs n were 'tethering my card by skim yet not giving cash back on those days, returning later my cash was gone .plus online transactions denied I was never refunded never got merchandise n still nothing from chase chase sucks XXXX, n must be severely monitored with how it handles cash n tjat I scam pitch 's pending'is true fraud .for real it 's gone, then  thev'ropeadope '' they say ai n't giving it cuz, its all foreigners n breached ATMs, n credit card cracking fraud n much more chase is involved with allowing'nonmatching, name transactions to occur online often n still no refund so yea, I would n't answer to cfpb either their pitiful deny me  access to my files n gov, complaints vs hateful groups of lending certain banks like XXXX with costs bikes up north on XXXX XXXX tell u it approved for a bank loan for bike n deny u bike until card comes? unreal like no XXXX XXXX XXXX XXXX loan at all, a and the XXXX bike is raggedly scratch filled hesitant overpriced raggedy, tires too chase something .claims this n that but..it 's aside get locations r nasty. No bike ramp, doors broken unsecure, atms, jammed, skimmed, wjike chase let 's customer loose n Teaches it 's XXXX guys working to snatch the card cut it up n throw it away cuz it 's evidence, as they input piece meal notes like '' covering their tracks in the act of unlawful taking my trust funds .living n letters '' research? " they fraudsters! shut, investigate, staybon chase period their retaliation vs my mom sicking '' their 3party syndicated groups on my mom to retaliate is heinous f @ @ chase n chase receivables whom disclosed my mom 's debt to 3party which voided  the debt plus they violated the statute with debt collection under USC 42_1692section they all do XXXX XXXX looser

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-09-01
Company: Chime Financial Inc
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I had a banking account with chime bank every since XXXX and as of XX/XX/XXXX they closed my bank account for no apparent reasons saying I was not in compliance to deposit agreement when I opened the account it wasn't for depositing checks I was simply using it for savings and personal use. I have let this be known to the bank. I have read the agreement and I have not broke any rules of the agreement. How is it that if I was breaking the agreement by not using the account to deposit checks why didn't they just close the account back when I first made it instead of waiting years later to close my account while I still had money in my account. I had {$490.00} in my account before they closed it. They would not reinstate my account in they are not trying to give my money back in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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: Personal information incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Wrong Addresses : XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX PL XXXX, NY XXXX Employer : 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 2019-11-28
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Earlier this year, I was approved for a loan modification, however, I was contacted by XXXX XXXX XXXX and was advised that the proposal I was provided by Select Portfolio Servicing was inaccurate. Based on the advice given by XXXX, I was in fear of losing my home even after receiving the proposal as they lead me to further believe I was losing my home. I understand I did not respond to the trial period I was initially offered because I was taking the advice of a law firm who lead me to believe I was being taken advantage of my the servicer, Select Portfolio Servicing, and I've now come to realize I was being taken advantage of by XXXX at the most vulnerable state of my hardship. I am requesting that I be considered once more to retain my home, as I am able to afford my mortgage payments, however, Select Portfolio is stating I am not eligible because I did not accept the initial offer. I would like to retain my property and not lose it to foreclosure. I made the mistake in trusting a Law Firm who contacted me, only to be scammed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: Opportunity Financial, LLC
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
To whom this may concern : I have a loan through opp loans. I have used this loan company before and just refinanced recently. I am just curious how they can charge such a high interest in wi, when other states prohibit opp loans to charge 130 % interest rate and get away with it. I understand when I took out the loan, of the high interest rate. I just think that someone should look into the WI laws. 
Thank you for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Fidelity National Information Services, Inc. (FNIS)
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
This company is making statements COMPLETE PAYMENT RECOVERY SERVICES, INCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX sent in a check and they are now turning me into the check bouncing system. they have been threat me turn me into a bad check writing system and harassing me on the phone. they are making false statements and defamation of my character. I have called many times and asked them to stop making such statements and that I have never sent or issued a check to no one. I also have verified this with the originator debt XXXX XXXX that I never sent XXXX XXXX a check and they never got a check XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS COMPANY HAD PURCHSED AN INVALID CHARGED -OFF CREDIT CARD ACCOUNT THAT IS WELL PAST THE FLORIDA STATUTE OF LIMITATION FOR DEBT COLLECTION. 

I NEVER ENTERED INTO ANY CONTRACT WITH THIS COLLECTION COMPANY, I DO NOT OWE ANY DEBT TO THIS COMPANY. I HAVE REPEATED REQUESTED IN WRITING TO THIS COMPANY TO PROVIDE ME PROOF OF A CONTRACT THAT I HAVE WITH THIS COMPANY, BUT THEY HAVE NOT ONLY FAILED TO PROVIDE ME PROOF THAT I OWE THIS COMPANY A debt but they have falsely reported that I owe this debt. The statute of limitations for collecting on a debt in the State of Florida is 4 years. 

THIS COMPANY IS ILLEGALLY TRYING TO COLLECT ON A THAT IS : NOT MINE, THAT IS NO LONGER VALID/OR DOES NOT EXIST, NO LONGER COLLECTABLE AND IS REPORTING FALSE AND DEGROGATORY INFORMATION ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2021-02-18
Company: SYNCHRONY FINANCIAL
State: OR
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:
I have been a with SYNCB/XXXX customer since 2019 and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payment on the above referenced account ( XX/XX/2019 ). Since that time I have been an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payment, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.

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 2022-01-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Experian Information Solutions Inc.
State: IL
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 finally received rather full copy of my Experian credit report today and AS USUAL found another mistake!! What is wrong with the lazy credit bureaus and businesses that I have not pulled one single credit report on the last 11 years that has not had errors?? Fine then for each error and the government will have lots of new revenue to use and the public will have updated and correct credit reports as the law states is our right to have!!! They left my old XXXX XXXX loan on my report and it shows still open, it shows the wrong loan number this was refinanced and closed and so paid perfectly. The loan on my reports showing # XXXX was refinanced and this loan should show closed and refinanced that was made in XXXX XXXX IL!! I refinanced it and added {$850.00} to move it to the XXXX IL location!!! I have attached the paid in full documents for this loan on my credit report to be corrected and also the copy of my new and only loan with the XXXX IL XXXX you need to add on to my report after you verify with both locations!! They should have done this already it has been over a month ago!!! I want this complaint sent to both XXXX XXXX locations XXXX XXXXXXXX IL and XXXX IL and their corporate office as well as to Experian, XXXX and 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 2023-07-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Barclay Wyndham Visa Card - company clearly states on their statements the total to be paid monthly to avoid interest charges, you pay it, then they still charge interest - I have had to call repeatedly to get these erroneous interest charges reversed, always pointing out to them their own documentation outlining what is to be paid to avoid interest, which I pay monthly- this is time consuming & I am sure most people don't bother for that reason, but it is the principle of this practice. I have spent numerous hours on the phone with them as this happens every couple of months and in spite of me asking them to resolve the issue ( the charging in the first place ), it continues to go unresolved ( although they do always reverse the interest once I call and wait on hold, etc. ). 

Interest erroneously charged on XX/XX/23, XX/XX/23 most recently this year, in spite of their page XXXX of prior month statement stating amount to pay to avoid interest, which I paid in both cases. XXXX, XXXX, XXXX & XXXX statements attached for your review where you can see this.

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: BARCLAYS BANK DELAWARE
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:
I had a balance on my Barclays Business Card in the amount of {$5800.00} on XX/XX/2020. I made a payment on XX/XX/2020 in the amount of {$900.00}, which my statement shows. However, Barclays Bank never deducted the {$900.00} payment from my balance and is now telling me I still own {$5800.00}, after they already took the {$900.00}. I called on XX/XX/2020 and spoke to XXXX who can not give me an answer. This has happened in the past where Barclays added a {$2000.00} charge to my account and it took three months and a complaint to you to get that {$2000.00} removed. It's absolutely ridiculous that I need to go through this account on line every day to make sure they do their properly.

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