BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-07
Company: BAM Management US Holdings Inc.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I invested in various Crypto currently coins on Binance.US. Binance.US is alleging there was a " chargeback '' of funds issued by my banking institution XXXX XXXX on XX/XX/21. I have confirmed with XXXX XXXX  the funds were delivered to Binance.US on XX/XX/21. I have sent my signed and stamped bank statement to Binance.US as proof the funds were withdrawn and not returned to my account by XXXXXXXX XXXX. Binance.US has not responded to my support ticket and they are not letting me withdraw funds from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
Attached below is my demand to comply and pre arbitration/legal proceedings notice to TransUnion. Also attached below is my original report of identity theft to TransUnion which I was told was " blocked '' by the FTC. I contacted the FTC and they said they do not " block '' identity theft reports. XXXX, a supervisor stated that and I have the whole conversation was recorded. XXXX told me that according to TransUnion I may not record but pursuant to 18 USC 2511. I really hope we can settle this outside of court!

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 2021-11-02
Company: Coinbase, Inc.
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I have discovered that coinbase offers no phone support for their credit card, only for their trading platform. My coinbase credit card was stolen and fraudulent charges are ONGOING. All I can do is email them, and they may get back to me in a week or so they say. How is this acceptable for fraud reporting? What's more, the trading platform support staffer told me that I had a to submit a whole new email ticket because the last one didn't even record my stolen card ( which I specified in detail ). On top of that, they told me to freeze my trading account ( which I've since learned was not necessary ) and I'm now locked out from doing any online monitoring of my card. Meanwhile my credit card is still active and ongoing for the thief out there to continue making charges on, even today. There's nothing I can do to stop it, and coinbase offers no recourse to stop it promptly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02
Company: EQUIFAX, INC.
State: VA
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:
Equfax doesn't verify my information. Even I sent them a proof but they sent me a template letter. This account is not mine. They have to DELETE it XXXX XXXX XXXX- XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-02
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
ace cash express are contacting my family and telling them I committed bank fraud and will be throwing me in jail. XXXX, the manager in the office told me they will serve me papers today if I dont pay in full. When asked about my rights, she hung up on me. They are contacting family in other states, that I dont even know and telling them this business.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-20
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-05
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: Their investigation did not fix an error on your report

Complaint:
Equifax this was put on my credit report my question is why are you reporting to XXXX this this the third time you refuse to answer the question. three times I have asked three times you have dodged the question next I will file with the FTC validate this

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Ive been a loyal customer of BOA for about 3 years. On XX/XX/XXXX - XXXX, Bank of America had a worldwide technical difficulty that caused payments to not be received or sent. I linked my Bank of America debit card to my XXXX account and proceeded to Add Cash in two separate transactions of {$400.00} and {$460.00} totaling up to {$860.00}. Once I submitted for the payments to be sent to my XXXX, NONE of the payments appeared onto my XXXX account! The money was taken off of my BOA account but never made it onto my XXXX account. On XXXX XXXX, I contacted XXXX and they said they seen NO HISTORY of the transactions. XXXX suggested that I call my bank and get the money reimbursed because they werent able to see any transactions of it on their side. I was surprised because the money was still taken off of my Bank of America account. On XXXX XXXX, I then called BOA and they filed a dispute, but gave all type of excuses not to reimburse me of the transactions. My transaction to XXXX got lost in the crossfire of Bank of Americas website having technical issues. My money was never retrieved, nor was provisional credit issued from Bank of America! They told me 90 days until it can get resolved. Thats ridiculous!! Im currently late on rent because of this situation. BOA is always having major website/app issues that puts customers money at risk. I need my money reimbursed now! I wish the customer service was more helpful and considerate of peoples money.

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 monetary relief
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXXXXXX XXXX XXXXXXXX Balance : {$350.00}

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 2019-09-24
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the response I received from LoanCare my mortgage company when I asked them why are they charging me a fee on my payment. This loan was transferred from a previous mortgage to Loan care with the contractual agreement that I had a 15 day grace to make my payment without any fees and now it seems they found a way to circumvent the system and charge me a processing fee because I making a payment online. I think this is predatory and blatant wrong the part of this company. I feel they are trying to squeeze every penny they can from their clients. Where is the consumer protection? 

Dear Valued Customer, Thank you for contacting us. 

We have received your recent inquiry regarding your mortgage account. Your mortgage payment is due on the XXXX of each month and you are provided with a 15 day grace period. Over the website the processing fees starts at {$5.00} after the XXXX of the month and then {$10.00} dollars after the XXXX of the month. If you want to avoid processing fees please make payment before the XXXX of the month or you can look into setting the account up on auto draft. For further assists please contact Customer service at XXXX Please DO NOT REPLY to this email. Your request has been marked resolved and this ticket has been CLOSED. Replies to this resolved ticket will not be monitored. If you need further assistance or have additional questions, please submit a new request by visiting our website and logging into your account. 

Sincerely, Customer Support XXXX XXXX XXXX XXXX   XXXX, VA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX is attempting to collect on a debt I do not owe. I directly made a payment through the original creditor XXXX XXXX XXXX online and paid the balance in full. I should not have any balances or any collections for this account. I had no idea, I received no notifications or phone calls about this debt. And I did not get my 30 day right to dispute, which is a violation.

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 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 appears that my credit file has been compromised. Again, I was going through my records & noticed many information or items which do not belong to me. 

Block these fraudulent items that are reported in my file : XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXXXXXX XXXX  Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; GA XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-02
Company: ERC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2019 XXXX sent me an alert that someone altered my credit file. The company that altered my credit file is Enhanced recovery company. They never sent me any correspondences regarding collections. I reported my concerns with the attorney general in XXXX, florida. I tried calling Enahnced recovery company and request that they send me a signed signatue proving I was the one responsible for this account. I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Chase Bank holds the mortgage on my homestead located at XXXX XXXX XXXX XXXX XXXX TX XXXX. Loan # XXXX. 


They raised my payment from {$2200.00} to {$2600.00} because of escrow calculation for the end of XX/XX/2018. I have lowered my insurance cost by 40 % and my taxes are not that much higher to justify an increase of {$5400.00} this year. 

They deny my request for another review on my escrow with the new information. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19
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: Account information incorrect

Complaint:
All 3 credit bureaus are reporting and have reported 38 say late payment on one of our XXXX account.

Due to extreme high interest rates and our retirement income low, we consolidated our 3 large credit card debts in to a reasonable payment with year payoff of the {$30000.00} debt. 

Credit card companies, without cause of anything we have done, elected again to put rate up to 25 %. With a FICO score of XXXX, and local bureaus score of XXXX, we have earned rates under 6 %. Without cause these three cards 2 XXXX XXXX, and one XXXX went from low to 25 %. We asked for reduced rate based on our years of in time payment history. Home and motorhone on time payments ( motorhome interest rate 4.5 % shows we had great credit.. 

Due to a clerical issue when we consolidated loans. One of the XXXX XXXX loan payment was 38 days from our early payment before consolidated loan payments started. Late on billig date 1 day. As soon as we saw we fixed the accounting with XXXX XXXX XXXX. 

There was NO 38 day late only 38 days from previous payment date. 

To add to this incorrect defaming action on the 3 credit bureaus. Our credit scores dropped from XXXX FICO and local bureaus XXXX to XXXX. With on time payments for years. The bureaus are not reporting length and number of accounts, and all ontome payments to punish our great record. 

Attached find ambiguous reporting. Punishing words unfounded, lies, total fabrications to punish great payment and credit responsibility. 

Totally irresponsibility on the part of these companies required to reporting truth.. i will attach some screen shots shoeing as much as I can.. more upon request

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 2019-09-24
Company: CITIBANK, N.A.
State: IL
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: Card was charged for something you did not purchase with the card

Complaint:
Merchant charged my card without authorization. I contacted merchant, but merchant did not resolve. I contacted card issuer. Card issuer failed to provide credit for unauthorized charge, even though I provided documentation proving that charge was not authorized and that I had contacted merchant.

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 2017-12-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX 2017, we applied for a mortgage with USAA. We were pre-approved and needed to sell our home before moving forward with the home we were purchasing. Our contact at USAA pushed us to send them the contract for the new home so that we could get our rate locked. We later found out, because we did n't sell our house soon enough, that our rate lock would be expiring and we would have to pay to keep it. Luckily, we found a buyer and were going to close on the sale of our home just in time - XX/XX/XXXX and our rate lock expired XX/XX/XXXX. We were supposed to be able to close on both homes the same day. A week before closing, we find out that the appraisal had to be revised because it included separate land that could not be included in our loan. The appraiser still got the lots incorrect on the report, missed updating the purchase price, and did n't get the documents uploaded as needed. All of this took about a week and so we had to push out our closing date. I told XXXX at USAA I wanted to close by the XX/XX/XXXX, but then we found out more mistakes were made : XXXX incorrectly entered our email addresses for us to get the documents to sign, we had to submit a correction on the city of the property because it did n't match the zip code as USPS has it, we needed updated bank statements because suddenly we owed more money than they expected - many, many things that could have been caught BEFORE we were in the final week of closing. The biggest issue that we had was USAA sent me the " final '' closing disclosure on Friday XX/XX/XXXX, 3 days prior to closing, as was required. I called on Monday to understand why we suddenly owed {$2200.00} at closing, which increased from {$1100.00} the last time I spoke with XXXX, and he told me that still was not the final version and that we would be getting a {$3.00} check back at closing. WITHIN HOURS of that conversation, he called me back and said that a mistake was made. They did not get an updated property tax statement since taxes were paid more than A MONTH earlier and so we would owe {$1400.00} at closing. THEN, the day of closing, I received notice that they were calculating our monthly insurance rate incorrectly and both our monthly payment AND costs due at closing would increase to {$1900.00}. ALL of these changes were being made within the 3-day window of closing, which I understand, is not supposed to happen. We were all over the place with our closing costs and I am EXTREMELY upset about the whole experience. AND I paid 2 weeks  of rate lock!!!!! Because of their mistakes!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
With reference to Section 609 of the FCRD Act, I would like to request further information on the following item as recorded on my credit report. 

The report records that XXXX XXXX XXXX ). I request that you provide the original documents for this information containing my appended signature and any other related information. 

If this information is unavailable, I request that you have the item deleted from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have an items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$230.00} ; XXXX XXXXXXXX Balance : {$1800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX ; XXXX XXXX WY XXXX XXXX KY XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX  XX/XX/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 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