BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Coinbase charged my card twice without my authorization. Resulting in insufficient funds, therefore they took my XXXX  and some XXXX  claiming I initiated a buy without enough money in my account, I have tried to resolve this thru customer service portal, with no success, and then filed a complaint, they said they will let me know within 15 business days the results, it went a full 15 business days and they emailed saying they need another 20 business days to look into it, I have heard nothing since and they erased any of the transactions on my account. I Filed a complaint with XXXX, similar response from Coinbase. They dropped {$50.00} in my account for not getting back within 20 business days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-12
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
my chase credit card was closed out of nowhere, I called and they said that they will do a secondary review to try to open my card but that was denied as well. I opened this card in XXXX of 2019 i have never been late and have paid off the card in full twice. I have been a Chase costumer for over 14 years and have multiple bank accounts with them and a mortgage. They closed my card without any notice and are not willing to open it back up again because they say I opened another card in last 12 months. I don't believe this is right and i would like to file this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
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: Investigation took more than 30 days

Complaint:
Hi. 
I sent dispute letters to the credit bureaus because they are reporting inaccurate information that is ruining my credit. 
I want the inquiries that I didn't authorized and negative accounts that shouldn't be on my report remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: ACIMA CREDIT, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
So I leased bedroom furniture through Acima credit. And I have had this furniture for almost a year with no issues or missed payments. All of a sudden I received and email saying my account was passed due. So I reached out to Acima Credit in regards to the past due amount and ask if they could put the past due payments to the end of the loan and of course they said no. Honestly this company is so ridiculous with not working with people who were on time since they leased this furniture. I cant afford to pay them the past due amount only weekly payments which I was doing. And please take the late payments of my credit. Honestly It was them who stopped taking payments.Yet they harass me with repossession threats!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-18
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:
4 XXXX  ON CREDIT REPORT INACCURATE INFORMATION FTC AND CRA VIOLATIONS

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 2023-01-29
Company: SANTANDER HOLDINGS USA, 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: Personal information incorrect

Complaint:
The addresses listed in my credit report isnt accurate and theres a lot of hard inquiries on my report that I dont recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-28
Company: Experian Information Solutions Inc.
State: PA
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:
The information currently reflecting on my personal credit from " XXXX XXXX  '' is being reported as derogatory. This negative information should not be reflected at this point due to it meeting the 7 year threshold negative information should be showing on a credit report. I'm requesting that all accounts be updated to a positive status and/or deleted from my file.

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 2021-08-11
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Fake cash app number at the top of XXXX tricked m3 into clicking a link that he used to take all my money. XXXX on one account XXXX on another account these are close estimates of total amounts the real numbers are in the attachments He linked and disabled my notifications to my emails and my phone he removed and put his. 
Every deposit I made he used to purchase bitcoin. He spent my kids XXXX money my rent my car payment my wife 's car payment. He devastated my family. I contacted xash app when I noticed an issue on XX/XX/2020 he had been linked and stealing my money since XX/XX/2020. I contacted casb app. They proceeded to give me the runaround for months until XXXX they said to me if i would have told them within 90 days I would have gotten my money back I did message them within 90 days as u will see in my evidence. I contacted XXXX XXXX XXXX and cash app emailed me and said they would not talk to me only law enforcement so here I am

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: Navient Solutions, LLC.
State: DE
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX i was called at my place of employment by XXXX XXXX XXXX which is a debt collector for navient a student loans. it was at that time I was 1st informed and notified that they were attempting to collect on at the defaulted student loan that I had with navient and I needed to enter into a rehabilitation program. I entered into a rehabilitation program on the phone that day only to now learn that XXXX XXXX XXXX had my wages garnished as of XX/XX/XXXX. I was not properly notified that my wages will be garnished neither by navient and not by XXXX XXXX XXXX and not by my employer and not given an opportunity to dispute it for proper resolution. my rights have been violated. I have tried to talk to XXXX XXXX XXXX about this issue they explain to me that there is nothing that they can do about the issue. I explain to them I have already entered into the rehabilitation program. I have also already made a payment in the rehabilitation program but they stated that there is nothing that they could do for the next 5 months. I explain to XXXX XXXX XXXX says that the wage garnishment is causing me a hardship and I can not afford for wage garnishment and to pay my bills and this would be severely financial repercussions in order for me to make sure I repay the debt. I did not receive any prior notice from navient. I did not receive prior notice from XXXX XXXX XXXX that they were going to garnish. I would prefer not to involve my employer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: Southwest Recovery Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed with XXXX  a collection from XXXX realty and sow threat   recovery  who was my landlord for three years. Do to medical recommendations from my doctors, I had to sick for medical help out of the state of Florida that was where I was living. I provided medical documentation to XXXX  on this regards do to my landlord, even when Provided with medical documentation that was the reason that I moved to another state to seak medical treatment in another state, and one of the only two reasons to brake a lease without penalties.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: NATIONSTAR MORTGAGE LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX My mortgage was transferred to Nationstar Mortage LLC from XXXX XXXX Co. 
I mailed my monthly payment to them as instructed with new loan number written on check. I also sent this payment certified mail. This payment was never applied to current loan account. Instead, payment was applied to an old loan account I had with company from XXXX. This old account has been closed. My XXXX payment is sitting in unapplied funds for old account, as I can view this when I login to my account. I have been calling trying to get this resolved. I made my XXXX payment, also certified mail, which was then applied for XXXX because they ca n't seem to move the funds from XXXX loan account to another for XXXX. I made another payment today ( XXXX/XXXX/XXXX ) on line to make account current and to avoid late fees and negative credit reporting. 
I have detailed notes from XXXX until now with the names of various " representatives '' I have spoken to. Every time I speak to one they respond with " I will submit a request and it takes XXXX to XXXX hours. '' I then call back for follow up and get the same response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Choice Recovery, Inc.
State: FL
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:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX CHOICE RECOVERY XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all per
sons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious CHOICE RECOVERY XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/1990 ADDRESS XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, FL XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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/2020 I submitted a dispute letter to TransUnion asking them to investigate and verify/validate an account thats displayed on my credit report. Its has since been about 2 months and TransUnion has yet to respond or even notify me of any investigation results or updates.

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 2021-01-27
Company: ERC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contact the company through written notice XX/XX/XXXX to let them know I do not owe them {$1900.00}. the company did not respond and verify the debt according to the letter I sent. The company continues to report on my credit XX/XX/XXXX that I owe now {$1900.00}. They are reporting two different amounts {$1900.00} XXXX and {$1900.00} XXXX. The company has not notified me or contact me about this debt. I just saw it on my credit. I have reached out in regards of finding out why, because I do not own this debt. They have yet to respond. The debt is said to be with XXXX, but it is owned by enhanced recovery collection. I am attaching the letter I mailed in XXXX and the documents I sent with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these uknown accounts from my report as soon as possible. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$530.00}

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 explanation
Consumer complaint received 2020-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Not only did I find out that my name and social security were being used to open accounts, but also while i was trying to file taxes my consultant informed me that my social security number had already been filed. Please remove these uknown accounts from my report as soon as possible. XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX XXXX {$440.00} XXXX XXXX XXXX {$24000.00} XXXX XXXX XXXX {$530.00}

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 explanation
Consumer complaint received 2020-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I have an unemployment EDD debit card with Bank of America. On XX/XX/XXXX, {$1000.00}. was taken from the account and again on XXXX XXXX another {$1000.00}. was taken, neither withdrawal was done by me. I called the bank on XXXX XXXX and the cust. service rep, after hearing my story and looking at my account, agreed it was fraud and told me this type of thing was happening a lot. He apologized, cancelled my card and sent a new card via XXXX, which I received the next day. He also told me the stolen money would be replaced within XXXX days and issued a claim number XXXX # XXXX XXXX. I still don't have a refund and no other correspondence was sent from the bank. I have called twice since then to follow up. Both times, after waiting on hold for hours, I'm asked all the questions by the person answering the call that get them into my account. Once they see the information, they tell me they have to put me on hold and I'm immediately hung up on. I know I'm hung up on because if the call disconnected by accident, they see my name, email and XXXX phone numbers to reconnect the call. I have also filed a police report and a complaint with 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 monetary relief
Consumer complaint received 2021-01-27
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 information incorrect

Complaint:
I sent a dispute to Transunion on XX/XX/XXXX and have gotten any response from the company and these inaccuracies are seriously harming my credit with my Credit score being 4. 

XXXX Account # XXXX This account is inaccurately reporting multiple different information across all three credit bureaus. 

XXXX  - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$1100.00} on XX/XX/XXXX. 
Payment Status Late 120 days with account rating Open XXXX - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$19000.00} with a payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed TransUnion - Date Opened XX/XX/XXXX with a Balance Owed of {$29000.00} with a Past Due of {$28000.00} with the date of last payment of {$0.00} on XX/XX/XXXX. 
Collection account with account rating closed These are not small inaccuracies and are causing some serious harm to my credit score when you are reporting a much higher past due and balanced owed and no correct payments. My credit score is 4 with your company and now I know why? 

This account is inaccurate and needs to be deleted immediately. 

XXXX XXXX XXXX XXXX Balance {$690.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX XXXX and ended up filing a CFPB complaint # XXXX-XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

The Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately. 

XXXX XXXX XXXX XXXX Balance {$1000.00} This account was never verified after multiple attempts to reach XXXX XXXX XXXX , XXXX directly and ended up filing a CFPB complaint # XXXX for no response from the collection agency. Where they have responded on XX/XX/XXXX that they will suspend all collection attempts and return them to the original creditor. You will find the copy of their response in this envelope. 

Collection agency agreed to suspend all collections attempts and remove this account. Please delete this account immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-03
Company: Paypal Holdings, Inc
State: VT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal locked the funds in my account, would not let me spend any of MY MONEY. PayPal lets money accumulate, but I can not transfer or spend any. 

No vendor could complete a transaction that I initiated. Several months passed. 

Then XXXX had fees ( for a sale ) due and PayPal allowed that transaction. 

PayPal continues to lock the rest of MY MONEY. 

I have been robbed! Do something about these criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-22
Company: United Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Dated XX/XX/XXXX I have received notification from United Collection Bureau Inc in reference to an alleged debt owed of {$4100.00}. Please provide validation of this debt per FCRA regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XX/XX/XXXX. I am writing in reference to an account being held by AFNI for XXXX XXXX. I asked PREVIOUSLY when XXXX XXXX held this account to be sent proof that this was MY account. XXXX ( on file with your company ) decided to STOP collections and send it back to XXXX, who then gave it to AFNI. I am still not for certain that this is MY legal account. I have not seen anything BUT billing statements, but NO letters with my signature, contracts with my signature. I ask that all COLLECTIONS be STOPPED on this account and that it be removed from my credit file if they are not able and willing to supply appropriate validation of the account. Validation is MORE than sending me a copy of a billing statement, I would like to know when this account was open, by whom, where? What documentation do you have for the account? 
Please send these requested items to XXXX XXXX XXXX XXXX XXXX GA XXXX. 

My main request is to have PROOF and if validation can not be done THOROUGHLY and professionally with the appropriate documentation I want THIS ACCOUNT REMOVED FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation