BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-04
Company: BAM Management US Holdings Inc.
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
On XX/XX/22 I exchanged virtual currency for USD in the amount of {XXXX}. My account was frozen due to KYC documents needing to be submitted. I have submitted the required documents but have not yet been verified still. Over a month without any correspondence back with customer service after submitting a support ticket. Having my funds frozen for going on 45 days is completely unreasonable and unacceptable. Binance.us clearly does not have the resources to operate an exchange. I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: EQUIFAX, INC.
State: MO
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 have sent disputed documents in XXXX, XXXX  and XX/XX/XXXX to all three credit burueas XXXX, XXXX  and Equifax disputing information that is incorrectly being reported on my credit report. The account in particular is XXXX XXXX   acct # XXXX, account opened on XX/XX/XXXX and was closed and charged off in XXXX for XXXX! This account is reporting incorrectly and each month after the account has been closed still reports monthly that the account is passed due! How is this so, when it is closed and charged off since XXXX! The account per my credit report was last updated XX/XX/XXXX yet up until now XX/XX/XXXX it was reported past due and late! This is in direct violation of fcra and I am demanding that this account is removed from my credit report and all points low because of it be restored to my account!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and TransUnion credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account/information below : 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 2020-07-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Chase just randomly closed my account with no explanation no nothing went to log on and it said account was locked to call so I called and they said it was closed did not say why or anything and from further research they do.this all the time to people

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Navient Solutions, LLC.
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: Account status incorrect

Complaint:
Sallie Mae This account with Sallie Mae has a total of {$9500.00} was in open in 2008 and has been closed for some years, and now their is a new update and is showing that it has been transferred. It is a total of three account, and Sallie is no longer exist. I have sent multiple letters to credit bureau requesting to have these items removed. And it still on all three of my reports. I don't know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-23
Company: Comerica
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/20 I called direct express to change my address. Instead of changing the address they put a fraud alert on my card. Its the only income I have and now I cant access my money anymore. Since then Ive tried to call 10 times but no one will answer the phone. The longest I waited on hold was for two hours and still nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-02
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XXXX XXXX XXXX XXXX XXXX. 

These con artists improperly used our confidential company information, ran multiple credit reports, used out bank information to take unathorized withdrawls from our accounts, and never ONCE contacted us. Even after we had XXXX get involved they continue to take money from our account without notice or reason. We have tried repeatedly for months to get them to close our account and remove all information from their system as we do not want anything to do with them. They do not return calls and they continue to steal. They " sell '' a multitude of products that they don't actually offer or support. 

There is not one single legitimate aspect to this business. 

Avoid them at all costs, do NOT give them any information

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 2020-02-05
Company: SYNCHRONY FINANCIAL
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I made a purchase using PayPal credit on XX/XX/XXXX. That digital product has 14 days money back guarantee policy. I requested my refund after 12 days of purchase on XX/XX/XXXX which was within the refund period. 

Even I send all proof documents that shows purchase date and refund request date very clearly PayPal still didnt issue the refund and gave my information to collection without my knowledge. They clearly dont follow the consumer rights and government laws. Because people have the right to change their buying decisions within the refund period. And thats exactly what I did. So, they should issue the refund and follow the laws instead of taking action against the laws.

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 2021-07-15
Company: Experian Information Solutions Inc.
State: MD
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:
XX/XX/XXXX Mailed letter to Experian, XXXX. XXXX  XXXX, XXXX, TX XXXX, pointing out that my address where I have lived since XX/XX/XXXX has been removed from my Experian Credit Report since XXXX. Requested that my address be added to my Experian Credit Report. I enclosed copies of my Driver 's License and Gas Bill to verify the address. 
XX/XX/XXXX Experian sends email with link to completed dispute results, report no. XXXX. My address has not been updated in the credit report. No reason is given. 
XX/XX/XXXX Experian sends second email that dispute is now open. 
XX/XX/XXXX Experian sends third email that address dispute is just about done. 
XX/XX/XXXX Experian sends email that address dispute should be completed by XXXX. XXXX, XXXX. 
XX/XX/XXXX Experian sends second email that dispute results are completed, report no. XXXX. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends third email that they are just about done with the address dispute. 
XX/XX/XXXX Experian sends fourth email that dispute results are now available, report no. XXXX, ID : 1 ( same report no. as second email sent on XX/XX/XXXX ) XX/XX/XXXX Experian sends email that address dispute should be completed by XXXX XXXX, XXXX. 
XX/XX/XXXX Experian sends second email that dispute results are completed, report no. XXXX. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends third email that address dispute results are just about done. 
XX/XX/XXXX Experian sends fourth email that account has been updated confirming address and middle name on my Experian account. My address still has not been updated in the credit report. 
XX/XX/XXXX Experian sends fifth email that account has been updated. 
XX/XX/XXXX Experian sends sixth email that dispute results are ready, report no. XXXX. My address still has not been updated in the credit report. 

Subsequently there have been periodic emails notifying me that the address has been updated in my credit report. However, they have not updated my address and I have given up trying. Hope the CFPB can help me.

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 2018-02-22
Company: Experian Information Solutions Inc.
State: FL
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:
I went to see a financial advisor to help me pick a credit card to apply for. I insisted I only wanted to apply for one card. The advisor assured me there would only be 1 hard inquiry and I was approved for the card. However, because the financial advisor wasn't truthful, I ended up with 9 hard inquiries greatly affecting my score and the card I was approved for now has me jumping hoops through the fraud department. I never authorized the following inquiries : XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX. 

XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Unspecified. This inquiry is scheduled to continue on record until 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 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion investigated XXXX XXXX  and XXXX XXXX  several times. I reported the furnisher to the Attorney General of PA, and they reported that no adverse activity is on my report to AG Office of consumer protection of pa. I am requestingnthat the adverse action reporting be removed as they also stated all payments are being made on time!

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 2018-07-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Trying to download the app XXXX for payday advances. 

My capital One bank account is blocking my data so that I cant accept money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This company has chosen to attempt to collect a debt that is not due and has not been verified. As a customer and the person they are accusing of owing this debt I can attest to them placing this debt on my credit with neither a contract or any attempts to contact me. Also the company who sold this debt is a private real estate management company who's tactics are unethical, they do not honor their contracts and have not made the proper attempts to seek any form of payment for the debt they claim I owe. These actions from the two aforementioned parties have costed myself and my family on several occasions to live in places we did not desire to live and has changed our finances in different ways. Due to the malpractice of this collection company, I now have a blemish that I have never had before and would advise anyone that if they are dealing with this situation to take an action.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: The Outsource Group, Inc
State: GA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX  and XXXX   have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

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 2020-11-13
Company: Netspend Corporation
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Hi, I opened the Netspend card account in approximately XX/XX/2020. I have been using it to receive my unemployment money every month ever since. Suddenly, on XXXX XXXX ; I could not access my unemployment benefits. I called and Netspend Customer service and they told me that I suddenly had to " verify '' my account. When I asked them why, they told me that they " looked '' me up and that the phone number that I had always used on my account belonged to someone else ( my brother ). I did not give them permission to dig in personal business and check the ownership of my cell phone to verify my account suddenly. They claimed that I " never gave them documents '' when I opened the account. I am certain that isn't true. Also, they do not have a secure link for me to upload the personal documents that they demanded from me. I am concerned about identity theft, now. I allowed them to bully me into emailing them my social card and state photo ID via email. I emailed these documents to them on approximately XX/XX/2020 and they promised to fix my account so that I could access my unemployment funds and they still haven't. I need my funds and I would like for the recorded calls and emails to be reviewed. The company appears to be uncouth. I feel that it was wrong to deny me access to my funds and for so long. I also feel that my privacy was violated twice. When they " investigated '' my phone number without my permission and when they demanded documents from me out of nowhere. 
Please assist as soon as you're able. 

Thank you, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: EQUIFAX, 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:
Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX , XXXX  , and Equifax credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, Equifax, and XXXX credit report due to my identity been stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Home Loan Center, Inc.
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Lending tree has been running my credit since XX/XX/2020 every month without my authorization. I need all the inquiries be remove from my report. And I am Requesting financial protection bureau to please Do so something for this company to put a stop to this company behavior. 
I am looking for credit score damage repair compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: Conduent Incorporated
State: FL
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
The debit card on which my son 's child support is received was somehow compromised. Upon finding that my balance was much lower than it should have been, I placed a call to EPPICARD, the company that handles the child support cards for Pennsylvania. I took all the requested and necessary steps and got a letter from them saying that they " can not confirm that fraud occurred. '' This company is known for doing this. They do not follow the rules and guidelines for handling fraud. They also suggest that I " resolve by contacting the merchant directly. '' I have filed a police report but the police aren't able to help, citing a lack of manpower to handle the volume of fraud cases. They also advised me NOT to contact merchants on my own. 
I filed a claim for these charges well within the timeframe for which I should not be held liable for these fraudulent charges. This is just wrong of the company to do this, and I feel it is also illegal. 
I have 78 fraudulent charges that took place between XX/XX/21 and XX/XX/21. I am more than happy to provide a list of all the transactions, just as I have provided such to Eppicard and to the police department. 
I feel as if you, the bureau charged with protecting consumers, needs to step in and stop this company from willfully causing harm to recipients of child support and unemployment by their gross negligence and complete disregard for the law. 
This company seems to think they are exempt from the processes set forth by government authorities. This company has a multitude of complaints regarding the exact same issue. 
Thank you for your time. 
You may contact me via email at : XXXX or by phone at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: CAINE & WEINER COMPANY, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
While we were parking, we were hit by another party, and their insurance agreed to cover the damage of our vehicle. During the day of pick-up, the collision repair company asked three more days to complete the repair. This means three more days of car rental from XXXX. This was supposed to be covered by their insurance company and nor our expense. They never paid for those extra days despite several attempts. After sometime, XXXX forwarded the bill to a debt collector. We paid for this car rental just to deal with the matter. 

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from XXXX XXXX XXXX still showing which dropped my scores significantly. This collection was placed on my credit in error as I had no financial obligation to the original creditor. Since this is still reflected on my credit I feel this is predatory in practice. I would like this collection removed from my credit due to erroneous collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2020, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. 

The equivalent of XXXX GBPwas transferred from my wallet utilizing your services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-15
Company: United Collection Bureau, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
They call my number and does not state who the debt is for. The company is XXXX. To collect a debt is for XXXX. I don't owe any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: TCF NATIONAL BANK
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
TCF demands that you have an account with them now to cash a check drawn on their bank ( more specifically, a former Chemical Bank location using old Chemical Bank checks ). 

If it's a check drawn on the bank, you shouldn't have to have an account with them or have them keep your funds for 24 hours before releasing to you.

Company response to consumer: Closed with explanation