BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-23
Company: Coinbase, Inc.
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
I Initiated a wire transfer with XXXX through the owner of the site, Coinbase INC on XX/XX/XXXX. The wire transfer was in the amount of {$2000.00}. XXXX promised the money would be available same day as showin in the screen shot attached. I have yet to receive the money in my XXXX USD Wallet where it was to be deposited. I submitted a case to their support department through XXXX  explaining the issue on XX/XX/XXXX. The case number is XXXX. I have yet to receive a reply. I got confirmation from the bank that same day the funds have been received by the receiving bank XXXX XXXX XXXX XXXX, NY which I believe also holds some responsibility and should be notified. I also sent an esclation ticket for the wire transfer at this site XXXX XXXX  XXXX either XX/XX/XXXX or XX/XX/XXXX and have yet to receive a reply. I have been very patient in waiting going on almost 2 weeks now for a wire transfer that was suppose to be done the same day. This has been plenty of time for any kind of delay or additional handling this process may have needed for whatever reason. I feel like my money has been stolen now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: PNC Bank N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My existing credit card account with BBVA bank was acquired by PNC bank. This took place several months ago. 

Since then, I have been unable to login to my PNC online banking to access and manage my account. I am unable to update my contact information and home address. I am unable to check the status of my bill. I have been unable to see activity on my account, including no ability to monitor for fraud. 

In just one day, I have spend 2+ hours on the phone with various XXXX and departments trying to resolve the issue, but I am always transferred to another department and the issue remains unresolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: EQUIFAX, INC.
State: FL
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:
THIS IS ABHORRENT! I'm not familiar with this account. Why is my credit report being reflected there? I want this account to be verified! There is no agreement between me and this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. My phone number is XXXX and my e-mail is XXXX. On XX/XX/18I made a check payable to XXXX XXXX for work XXXX XXXX would be doing on my yard. XXXX XXXX   deposited that check via mobile check deposit, inadvertently into his Chase personal checking account.

Chase bank froze his funds and told him they were being held by the Reclaim Office Investigation Unit. The Chase Bank at XXXX XXXX XXXX XXXX XXXX XXXX IL told him he would have to go back to me and have my bank place a stop payment on the item. This was branch manager XXXX XXXX.

My institution ( XXXX XXXX XXXX XXXX ) paid on the inclearing item onXX/XX/18. XXXX XXXX XXXX XXXX  indicated to me on XX/XX/18 that there was no legal or legitimate reason they would be able to place a stop on an item that I had written, Chase had negotiated, and they paid. Additionally, XXXX XXXX XXXX XXXX also informed me that they were past their 24 hour deadline to return the item to Chase as unpaid for any reason, including stop payment. XXXX XXXX XXXX XXXX  indicated that this is not the first time that Chase Bank in XXXX XXXX has advised XXXX XXXX XXXX XXXX to " reclaim '' an item on behalf of a check writer. XXXX XXXX XXXX XXXX kindly called the Chase Reclaim Office on my behalf and the representative told them that there was no way they could just give the customer the funds that were his that the issuing check holder had to place a stop payment. XXXX XXXX XXXX XXXX  asked the Chase Reclaim Office how they could illegally place a stop payment at this point. He indicated it was legal. XXXX XXXX XXXX XXXX assured him that was not a legal course of action and he indicated he could not say anymore but that was their policy. This entire conversation was recorded by Chase Bank.

My contact at XXXX XXXX XXXX XXXX is XXXX XXXX, CRCM and VP/Chief Operating Officer. She is more than willing to speak with a representative if need be, XXXX.

I as the consumer have {$1000.00} of funds sitting in Chase bank that can't be accessed and now work on my property won't be done. Chase bank is causing harm to both me and the landscaper ( XXXX XXXX ). XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I thought I was placing an order through a viable website. When I clicked to order, the site, XXXX, defaulted my payment to Zelle. I was expecting to pay through XXXX but, I had Zelle at my bank so I thought I would be protected. They texted me right away with their " cashier 's '' email address to send the money to through Zelle. I had never used Zelle previously but, since it was through my bank I thought it was secure. I did waver for a moment when the email address was a gmail account but, I had gotten a text and order confirmation right away so I thought it was good. I sent the payment of {$270.00} on XX/XX/21 through Zelle to XXXX. I waited a few days and when I didn't get any shipping info, I started to get worried. So I texted back to the text I received for payment and they were " looking into it ''. They asked for confirmation of the payment again which I had already emailed over. I confirmed that via text. Then the communication stopped. They claim online you can cancel an order that hasn't shipped. I've tried that through the site, through email and through text. I got a rep in their online chat to confirm that they had received my request to cancel but, no refund. I've received no product, and no communication and I don't believe I ever will again. Their " business '' email is XXXX. I called the phone number associated with their firearms license and confirmed with the actual owner of that number that it had been stolen from him. He's been contacted many times by other buyers who tracked him down from his FFL number and he confirmed that I had been scammed, he is in no way affiliated with this website. I shared all of this with my bank, XXXX XXXX  XXXX, who initiated a claim on my behalf. They've just confirmed though that they will not refund my money as no error happened on their end, they initiated the transfer. I've also reported the site to the FBI and filed a claim with Zelle. There should be some sort of notification when you're transferring funds that there's no protection. I thought that my bank would protect me when I reported wrongdoing. Ha, nope, no such thing.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
XXXX XXXX required that I come into the local branch to close my account. They would not stop charging me until I physically came into my branch to close the account in person. I called multiple times and called differnet corporate numbers. It was not possible due to a move. I called my credit card customer service number to request a stop payment on this merchant ( XXXX XXXX ) and all future transactions from them. I have an XXXX Chase XXXX credit card. They told me on XXXX XXXX, XXXX that the request was finalized and i would not be charged further by this merchant on recurring charges. I was again charge in XXXX and now XXXX. I called Chase to complain, and they said there is nothing they can do. When they do a stop payment, it is not guaranteed. It is only a request to the merchants bank to stop the payment. They informed me the only way to guarantee i am not charged by this merchant further is by closing my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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:
Hello, XXXXrst of I would like to thank everyone attending this matter that is very important to myself. With that being said, I regret to inform that I believe that unfair and incorrect information is being reported on my credit profile. I disputed with TransunionXXXX XXXX XXXX XXXX and the investigation to me, was not resourceful to correct my credit profile. Various unfair Inquiries were reported on my profile, I disputed such actions, I personally took the time to talk to each creditor who appears on my profile and not a single one had paperwork or proof of such Inquiry. I feel cheated by such thing that is why I have decided to dispute this with CFPB. The false inquiries reported are the following, along with the reporting credit bureau. 

XXXX : XXXX XXXX XXXX, XXXX. XX/XX/2019, XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XX/XX/2019, Off Lease Only XX/XX/2019. 

XXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXXXX/XX/2019, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2019 The previously listed Inquiries Were NOT approved or Authorized by me and I would greatly appreciated if the CFPB would help me out, This is my last resort to disputing false information being reported on my credit report.

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 2021-08-23
Company: Experian Information Solutions Inc.
State: MS
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:
On XX/XX/2021 I started filing disputes with Credit Bureaus about the information that is being reported on my credit report. I have not heard or receive a response from the Credit Bureaus. Since then I still I sent more letters and still have not received a response. The three credit bureaus are XXXX XXXX, and Experian. I have sent them documents show that the information was not correct. They haven't verified the information or sent response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
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: Account information incorrect

Complaint:
Transunion refuses to recognize legal court documentation that the court ruled in my favor with no money owed to XXXX XXXX XXXX. They also keep removing the dispute from their online system so I am unable to view the status of any investigation. I filed a dispute on XX/XX/XXXX ( attached reference ) and it is no longer showing a status -its gone. Once I spoke to a Transunion rep the told me a dispute was submitted on XX/XX/XXXX ( attached reference ) and the credit agency said it was valid. All documentation provided says I owe no money owed to XXXX XXXX XXXX. I am filing this second complaint because Transunion and XXXX is publishing inaccurate information on my credit reports. 
And asking XXXX and Transunion to provide valid documentation that disputes a court decision and documentation from the surety company that no money is owed to XXXX XXXX XXXX ( reference attached stating no money owed to the community ). Or remove this from my credit report.

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 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry on my credit report despite them contacting me and telling me that they could not work with me because I am a XXXX XXXX ( after I initially applied because I was assured that they could work with me because I am in a XXXX program ). This inquiry never should have made and is now unjustly a negative mark on my credit.

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 2021-12-03
Company: ACIMA CREDIT, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This has been the worst furniture buying experience ever!!!!!! This company Acima is a ripoff, bad and rude customer service. 
You all are reporting incorrect account information, the date the account was open, the price of the lease... This company represents bad business practice. 
Lies and Deception. This has forced me to keep and pay for something I don't want!!!!! I have contacted this company many times by email, online chat and phone! Only to be ignored, I have been bullied by this company and my good credit has been damaged by Acima with their fraudulent business practices. 

I first contacted you all in XXXX of 2021 to cancel this account and pick-up the items... Again cancel this account ASAP and Pick-up the items. 
I DEMAND THAT THIS ACCOUNT BE REMOVE FROM MY CREDIT REPORT. I WILL TAKE ANY AND EVERY OPTION LEGALLY TO FIX THIS MATTER. And Acima is breaking the law for reporting late payments doing THE XXXX pandemic. 
This will be reported to XXXX, Consumer Finance Protection BureaXXXX, The Credit Bureau, The Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 60 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: Experian Information Solutions 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:
In XX/XX/XXXX I closed my account with XXXX company. There was an issue of returning back the receiver, due to an inefficient work of some XXXX employees. 
After the receiver could n't be returned for a few months, XXXX sent the account to collection, XXXX  company. XXXX opened the collection account in XX/XX/XXXX. 
After the conversations with both XXXX and XXXX the problem was resolved and in XX/XX/XXXX XXXX sent me a letter, with copy to EXPERIAN to delete the collection item from my credit report. 
EXPERIAN refused to delete the item, even if EXPERIAN acknowledged the receipt of the deletion letter from XXXX. 
EXPERIAN stated, that XXXX, notwithstanding the fact, that sent to me the deletion letter, insisted that the negative item stayed on the report. 
My calls to XXXX resulted in assurances by XXXX, that they asked EXPERIAN to delete the item. 
EXPERIAN is telling me, that XXXX said to EXPERIAN, that the item should stay. 
Enclosed please find the deletion letter from 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 2021-12-03
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections XXXX within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report XXXX XXXX XXXX Miscellaneous XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX TransUnion

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 2019-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/XXXX, I applied for a car loan through a private lender. It made me go to the TransUnion website and get my credit score to type in to their website. At no time did I check any boxes agreeing to pay after 7 days. We paid {$1.00} to get my score. Today, XX/XX/2019, I had a charge of {$19.00} come out of my bank account from TransUnion. When I called, they were dodging the issue, couldn't tell me what they were charging me for, wanted me to provide another credit card number, and didn't want to refund the service fee. They wouldn't even tell me what they were charging me for. 

They have claimed to have cancelled the subscription, but have not refunded my money that I never authorized them to take.

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 2018-01-23
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid this account in full and was told by operator would change status to paid as agreed and then would be removed from my report. However to this day it is still being reported as a debt and amount owed not reported so it looks like i still have a balance.

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 2021-12-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The XXXX/Equifax/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX Balance {$8300.00} XXXX XXXX XXXX XXXX  XXXX Balance {$7200.00} XXXX XXXX XXXX XXXX XXXX Balance {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have Navient as the servicer of my student loans originally through XXXX XXXX. My interest rate has been climbing faster than the prime interest rate for the past 4 years and now sits at 11 %. I've been given no answer other than, " sir, this is a variable interest rate that adjusts with prime '' for why my interest rate has gone up faster than prime and why I'm being charged a higher rate than other companies would offer. They offer no refinancing options. No options for adding a co-signer and seem happy to have their clients locked into loans they can not get out of in any way and charge exorbitant interest rates. 

This is predatory lending taking advantage of students trying to pay for their educations who have been convinced that the education is worth the investment. They refuse to work with their good customers and those who pay on time. I've never dealt with a more predatory company in my life.

Company response to consumer: Closed with explanation