BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Bill paid in full with a statement balance of XXXX on XX/XX/23. 
Received new bill for XXXX of interest. They claim its from the acct not being paid in full for XXXX however thier payment system only gave the option to pay the XXXX. 
I tried to have them remove the amount and they were unwilling to remove the amount in its entirety as of XX/XX/23 the day I received new bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sent a wire transfer {$1400.00} to a scammer and I did not know beforehand on XX/XX/XXXX at Wells Fargo bank. The scammer name is XXXX XXXX XXXX and she has an account at Wells Fargo as well. I have contacted the police department with a case number. Unfortunately, they said its up to the bank decision. I understand that once a wire transfer sent then it would not be possible to recall. The policy said the scammer has to accept the recall and I think this is not reasonable. It is a similar situation like when someone trying to rob me and took my wallet. And I have to get their permission to get it back. Do you think this is reasonable? Thank you.

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 2023-08-28
Company: Chime Financial Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Lost or stolen money order

Complaint:
From XX/XX/XXXX to XX/XX/XXXX once a week I get my employment pay check have been since XX/XX/XXXX direct deposit more than half of the time from then to now. I work for XXXX. XXXX does offer XXXX  XXXX, so my check gets sent to the XXXX  XXXX  company then XXXX  XXXX  would send it to my direct deposit with chime ... every XXXX  around XXXX XXXX  I would get my checks on my chime debit before I even started getting XXXX XXXX  ... when I got XXXX  XXXX  in probably late XX/XX/XXXX the remaining amount left over from my XXXX  pay check that I didn't take out daily would be on my card on XXXX  XXXX.. the chime credit builder card was now my direct deposit card through chime of course... I had signed up for a subscription or something that I didn't plan too and forgot to cancel... so I locked my card and when I would get my checks I would transfer from my chime credit builder to my chime debit well I lost my credit builder card n debit card also lost my phone so i couldnt verify the phone numebr and chime stated every email I'd given was wrong.. I know at least one of XXXX or XXXX i gave out was it ... my direct deposit has been thru the same place XXXX  same time since XXXX of last yr.. my social security number didn't change neither my address... I ordered new cards to be sent to me from chime the lady stated I would have a virtual card on mobile app until my cards arrived... but I wasn't getting anywhere after about 30 plus emails... of them asking for selfish XXXX my drivers license and even the date XXXX my drivers license and email I did that email at least XXXX times... I've called even XXXX  XXXX  said they would override it but could take 4 to 6 weeks.. they said nope chime had to deal XXXX it ... the new cards came in the mail... I activated both credit builder XXXX chime debit my {$460.00} was not on the cards either one I had XXXX balance... I also had a whole new account XXXX routing number so that messed up my direct deposit... I call and ask to speak to a supervisor and they say the same thing if I want to have the email or whatever I just want access to the online account chime said I needed to email XXXX my issues they asked if I could send them an email from my original account to verify.. I told then I couldn't do XXXX an email back it's been 2 weeks XXXX nothing from them.. the last conversation they closed my account but can't tell me what or where my money went

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03
Company: AMERICAN EXPRESS COMPANY
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I contacted American Express about paying off the portion of my balance that has the highest APR of 18.24 % - as of my last statement that was {$3400.00}. I also carry a balance of XXXX at a lower APR of 15.24 %. I made the minimum payment on my account for this month. Based on my experience with other Credit Cards, I should be able to make an additional payment this month and have that amount apply to the amount carrying this highest APR ; the XXXX. However, I was informed by two different service representatives with American Express that any additional amount paid to American Express would be applied, in my case, to the amount with the lowest APR.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/22, an automatic payment was made to my Amazon Credit Card maintained by Synchrony Financial in excess of {$7000.00} ; normally the payment to this account is under {$1500.00} so I was not expecting this large an amount and my checking account was overdrawn. I contacted both my credit union ( XXXX ) and Synchrony Bank to determine how best to resolve this situation ; I was more than able to make a payment for this account but needed to promptly deal with being overdrafted by almost {$3000.00}. I had hoped that Synchrony could return some of this payment electronically, but they indicated they could only do this by sending me a check which would take more than a week. The person I was speaking with at Synchrony told me to contact my bank to have the payment reversed. 

At this time, I was unable to make a payment from my checking account since it was still over drafted, so I added the account information from my XXXX XXXX  account in order to make a payment on the account as quickly as possible. Several days later, however, this payment attempt showed as having failed ( Synchrony has not provided any details as to why ) ; by this time ( XX/XX/22 ), I was able to make a payment from my checking account. 

I found out over a month later this account had been closed. The agent I spoke with ( XX/XX/22, XXXX ) said it was because of two returned payments. I pointed out the I returned the payment based on the recommendation of the bank, and the second payment was not returned since she indicated it could not be processed ( " splitting hairs '' according to the agent ). When I asked her who I needed to speak with to correct this, she said anyone attempting to re-instate my account would be fired. 

At the very worst, I was ten ( 10 ) days late in making my payment, and this for an account that had never had a late payment. Closing my account because of an oversight on my part- which I promptly corrected - and an error which Synchrony can not explain or provide specifics how it would impact my account, is an unreasonable reaction.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Regarding ACCT # ending in XXXX : In accordance with the fair credit reporting act this creditor ( XXXX ) has violated my rights Under 15usc1681 section 602. This states I have the rights to privacy. 15USC1681 Section 604A section 2 also states a consumer reporting agency can not furnish an account without my written information. Under 15USC1666B a creditor May not treat a payment on a credit card account under an open end consumer plan as late for any purpose. 15USC1681b ( 2 ) States that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Other major violations CHASE Card Services has made according to 15USC1681 : ( 2 ) Disclosure to consumer : ( A ) In general Except as provided in subparagraph ( B ), a person may not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report may be obtained for employment purposes ; and ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person. 

In closing, I demand any and all illegal negative reporting by XXXX to be removed from my credit report immediately. I have not given my consent in writing for such reporting to be made.

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 2021-04-22
Company: DISCOVER BANK
State: TN
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:
After viewing my most recent credit report I notice that there is late payments, which I'd like to get removed as soon as possible. According to my research the federal law 15 USC 1605 ( a ) a finance charge is a " sum of all charges '' payable directly or indirectly by the person to whom the credit is extended, and imposed directly or indirectly by the creditor as an incident to the extension of credit so there should have no late payments in my credit report. In addition, the amended law Fair Credit Reporting Act ( 15 U.S.C. 1681s2 ( a ) ( 1 ) SEC. 4021. CREDIT PROTECTION DURING COVID19. States that you shall report the account as current the program regulations states that no late payments are to be reported to the financial credit bureau during the time of Covid forbearance period.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I have been a victim of identity theft. someone have mv information and stealing money from my Bank of America account since XX/XX/XXXX and done the same thing again on XX/XX/XXXX I would like to press charges. This is harassment and I've been depressed they taken XXXX from my account Ive have the list of transaction plus claim number to help identify. XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX Claim number XXXX XXXX XX/XX/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 2021-12-08
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Thursday night I got a text from coinbase ( Your Coinbase verification code is : XXXXDo n't share this code with anyone ; our employees will never ask for the code. ) even-though I wasnt even using my phone, thats when I realized something was wrong. Immediately I noticed my phone service ( XXXX ) was gone ; With 2 different phones i called coinbase and XXXX right. After 30 minutes of waiting I got a rep from coinbase on the line, they said hello and asked for my name and hang up the phone as if they didnt hear me on the other end. At this time my money was still in the account and had the rep done their job they would have been able to block my account before my money was all transferred out. As I called coinbase back I got a hold of a XXXX XXXX on the other phone and they started to look for what had happened with my account. It turned out that a XXXX rep in another state ( Wisconsin ) had activated my line on another SIM card ( sim-swap ) without my permission or any of my identification. After a few long minutes I was able to take control of my phone number again. Once I reached another Coinbase rep with the alternating phone it was already too late as I had already lost a little under {$60000.00} and it had transferred out of my account. By the time that rep helped me secure my account I was able to save the last few crumbs of my account totaling about {$3500.00}. Coinbase hasnt reached out yet and I am still waiting for XXXX to finish their investigation. 
XXXX is at fault for switching my sim without my permission ( possibly an inside job ) Coinbase is at fault for not helping me the first time and hanging up the phone on me in such an emergency situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX  reporting the charged off accounts referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-18
Company: World Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WFC is claiming that I owe them {$270.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-17
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been receiving phone calls from Messerli & Kramer PA XXXX XXXX XXXX for a debt from XXXX XXXXXXXX XXXX XXXXXXXX, for {$2000.00}. Reference Number : XXXX. The debt is not my debt. The debt is the result of identity theft. Messerli & Kramer PA XXXXebt Collection Representatives have been harassing me, using profane and abusive language against me, threatening to have me arrested, put in jail and sent to prison for the debt owed, and using threats of XXXX XXXX XXXX for a debt thats not my debt and is the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-15
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have a coinbase account with 2 factor authentication. That worked great until i replaced my phone and had to reinstall the authentication app. The catch is that you need the app to login, but the only way to install the app is to be logged in. Coinbase was unable to give me access so they instead had me create a new account and then they transferred my money into the new account.

However, i later had transfers into the old account and they were unable to give me access to transfer the coins into my new account. I went back and forth with them for over a month and they were very slow to respond and i eventually gave up.

here is the latest communication. i haven't heard anything in a month Hi there, Im working with a specialist to review and finalize your balance transfer. We will follow-up as soon as the transfer is complete, or if we have any further questions.

No further action is required on your part at this time. Please note, we are experiencing tremendous support volume that may delay response times. For fastest response time, please do not send more than one email response. Thank you in advance for your understanding and patience.

Thank you for your patience in the meantime! 


On XX/XX/XXXX at XXXX PST XXXX XXXX XXXX wrote : also, i'll have to file a CFPB complaint if this isn't handled shortly. 
i've been waiting for over a month. 
On XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX wrote : that doesn't make any sense. here is XXXX sample email of the old account. 
if that account was closed, what happened to the coins that were transferred to it? 

-- -- -- Forwarded message -- -- -- -- -- From : Coinbase XXXX Date : Fri, XX/XX/XXXX at XXXX AM Subject : Your purchase for {$500.00} USD of ETH is now available in your account To : XXXX [ image : Coinbase ] <https : //www.coinbase.com/> [ image : Congratulations ] <https : //www.coinbase.com/> [ image : Coinbase ] Your purchase for {$500.00} USD of ETH is now available in your Coinbase account Reference code XXXX Payment method USD Wallet Date XX/XX/XXXX Amount XXXX ETH*

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Unauthorized charges were made to my checking account by 4 vendors at XXXX XXXX in XXXX on XX/XX/23 and XX/XX/23 : XX/XX/23 XXXX. {$1300.00} XX/XX/23. XXXX. {$3100.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX XXXX. {$700.00} XX/XX/23. XXXX XXXX. {$1400.00} XX/XX/23. XXXX XXXX {$26.00} XX/XX/23. XXXX XXXX. {$400.00} XX/XX/23. XXXX XXXX. {$1500.00}

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 2022-07-17
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
To whom it may concern, On a recent review of my credit report, I discovered XXXX XXXX reporting the charged off account referenced herein. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 
Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. You are only to contact me via mail at the address I have provided herein. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the charge off account from my credit reports. 

Your failure to act will result in this matter being referred to the Consumer Financial Protection Bureau and the Attorney Generals Office.

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 2018-04-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have attempted two times to have ( credit agency ) verify this debt and what methods used to verify this debt.

According to the FCRA Section 609 a ( 2 ), the bureau must provide me with the method used as proof to verify the bankruptcy and if they are unable to provide it, the bankruptcy must be deleted.

Also, according to FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available.

Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. The Bankruptcy Court should be the furnisher of information, not a third-party source such as XXXX or XXXX XXXX.

Per a letter I received from the Ohio Bankruptcy Court, no verification was done as the courts do not verify information.

Company response to consumer: Closed with explanation