BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-14
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am filing this complaint because XXXXZALES has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA- they are required to. Promptly delete all information which can not be verified. Please resolve this manner as soon as possible thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: JPMORGAN CHASE & CO.
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:
1. Obtained a loan for a new car in XX/XX/XXXX with Chase Auto Loan. 2. In XX/XX/XXXX, the dealership was interested in buying the car, since I did n't use very much, I decided to sell it to them. 3. In the three years i had the car, i paid my loan via bank draft and was never late. 4. In XX/XX/XXXX, i called and got a payoff for the loan. 5. XX/XX/XXXX I went to XXXX XXXX and they made an offer to purchase my car. They requested a payoff from Chase as well for the car ( document attached ) 6. A check was sent to Chase Auto in the amount of {$21000.00} from XXXX XXXX on XX/XX/XXXX 7. On XX/XX/XXXX the Chase auto deposited the check and it cleared the bank ( dealer check attached ) 8. I received a notice from Chase thanking me form business and telling me account was no closed. ( document attached ) 9. On XX/XX/XXXX, XXXX XXXX received clear title to my car from chase and I received a check for my equity in the car. 10. On XX/XX/XXXX, I received a phone from Chase, telling me that I owed some {$1800.00} dollars on this account. There were no specifics, just that I owed money and that the account was going be opened back up. 11. I placed over 15 phone calls to chase between XX/XX/XXXX and XX/XX/XXXX asking for a written statement of how I owed this money when Chase had clearly given a payoff and lien release on my car. 12. Over the course of three months ( XX/XX/XXXX to XX/XX/XXXX ) i was told numerous reasons " Why '' i owed this money but was urged not to question and pay OR I my credit would be " ruined '' On rep even told me that the dealers check bounced. I knew there were serious issues at this point, when clearly this had not been the case. 13. Chase began to mark my credit report falsely and incorrectly with the Credit Bureau XXXX  between XX/XX/XXXX and XX/XX/XXXX ( reports attached ) It went from owing a past due amount of {$1600.00} to a 30 day past due of {$640.00}, this was well over 60 days after they recieved full payment for the car. 14. i worked with chases corp office, filing a complaint and ask that they rectify this matter, providing all documentation and they refused. 15. In XX/XX/XXXX they marked reported " ChargeOff '' on my account to the credit bureau. This account is still being reported as PAID, last reported deliquencies XX/XX/XXXX XXXX This sent my credit score down almost 100 points, I am having to pay really high interest on a car loan as a result of this error. I feel that i have exhausted all avenues trying to remedy this matter. You are my last resort. This is clearly an error that Chase is not willing to remedy. It is my hope that you will be able to assist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-14
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of Federal Law. I disputed the fraudulent information on AMEX from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( AMEX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I believe I am a victim of identity theft. Despite the multiple previous written requests, the account listed below still remains on my credit report in violation of Federal Law. I disputed the fraudulent information on DISCOVERBANK from my credit report and I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I have done many attempts to reach out to the Credit Bureaus but they failed to give me any results or feedbacks about this concern. Finally, there is no name associated with this file & needs to be deleted due to inaccurate info. Please investigate and remove it from my personal credit file. Thank you. 

( DISCOVERBANK XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Coinbase, Inc.
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Coinbase, Inc ( www.coinbase.com, XXXX ) clearly states that the incoming wire transfer takes 2-3 business days to get credited. After 4 business days, contacted Coinbase support but no help from Coinbase. Today marks the 8th day and the wire transfer amount has not been credited to my account yet. Tried to contact the support by email, and XXXX but no response at all. Here is the timeline : *Amount Transferred : $ XXXX *Date Initiated : XX/XX/XXXX* *Date Completed Wire Transfer from XXXX XXXX : XX/XX/XXXX* *Name of Sending Bank : XXXX XXXX XXXX XXXX XXXX *Personal Name : XXXX XXXX *XXXX Number : XXXX *Case Opened : XX/XX/XXXX* *Coinbase Case Number : XXXX Waiting to get helped in this matter. Never ever going to use coinbase again. This has been a shear frustration!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax Breach. Equifax indicated that I might have been affected while my wife may not have been. We have no way to know ourselves and have zero confidence that Equifax knows. In accordance with guidance from your site, I placed credit freezes on both of our credit accounts with Equifax, XXXX and XXXX XXXX and XXXX charged me {$10.00} and {$10.00} respectively since we are residents of Texas. The net cost to us ( currently ) from Equifax 's breach is {$41.00}. I believe Equifax should be made to remburse any and all costs incurred by us to safequard our credit information due to their collosal

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There was a debt that showed up on my credit report that was not mine from 2014. It was from XXXX XXXX. It was for {$570.00}. It was listed as a charge off. I contacted them numerous times disputing the information and providing verification of my identity. They still would not correct it. 

I am in the process of a mortgage and was advised by my loan officer to just pay the amount. I did, even though it isn't my debt or even listed in my name. Not only will they not remove the debt, but they also won't even show it as being paid. This debt was originally not a XXXX debt but was inherited when XXXX bought XXXX XXXX credit account.

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 2020-02-11
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
5th 3rd Bank list a CD rate of 2.2 % for 18 months in their web page, and as of today XX/XX/XXXX they will not honor it. they say the web site was last updated in XX/XX/XXXX. I contend if they failed to update their CD rates in their web site, they should honor it? The Bank is at XXXX XXXX. XXXX XXXX. MI. 

XXXX and XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-30
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage company went bankrupt ( GMAC ) and my mortgage went to Ocwen. They worked with me to lower my payments. They then made a mistake and put in my income higher than it was. They said they would have to redo it-after I had paid hundreds of dollars the first time to lower my payments by paying them for processing, etc. The second time they worked with me again, setting my payments at {$540.00}. My mother in law became very ill and we ended up paying a lot of her medical costs, then for her entire funeral. This set us back but I still kept paying my payment before the XXXX-the late fee day. Every month, I would pay exactly what the mortgage company said that I owed for that month. {$540.00} it coming out to be {$620.00} a month. This month, I received help from the VA because I am a veteran. They asked me how much was due. I sent them a statement of the mortgage which said for XX/XX/XXXX, the payment was {$1200.00}, even though our payment was only {$540.00} a month. Even with late fee, the payment for both XX/XX/XXXX and XX/XX/XXXX would have been $ XXXX.The VA paid them, THIS MONTH {$1200.00}. I went to make the payment for XX/XX/XXXX, ahead of time and the amount shown was yesterday @ XXXX XXXX for {$640.00}. No extra fees, nothing. I set up a payment for {$640.00} + {$2.00} making the withdrawl for Ocwen, {$650.00} current for XX/XX/XXXX. Today, I logged in and looked to print out a copy of my scheduled payment. My amount due is now {$660.00}!!! 
This amount changed overnight. These payments are changing continually and I want it to stop. This is why customers get behind and this is why we lose our homes! There should be no extra  fees. There should be no " property inspection fees. '' My mortgage was current as of XX/XX/XXXX.They then added a late fee of {$15.00} even though VA just paid and specifically wanted the amount indicated that was due. Now they have added another {$15.00}. My XX/XX/XXXX payment is  not due yet and I have it scheduled!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: MoneyLion Inc.
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received phone calls about an outstanding debt form this company. XXXX XXXX XXXX. The same rep. continuously calls my work phone number which I informed them from the beginning they can not call. I can not receive calls on this line. I made two payments to this collector and asked NUMEROUS times for a written letter to my home which i have not gotten. They sent me an email with a XXXX  address and the company XXXX  XXXX who's processing the payments is not XXXX  accredited. I told them without a written letter to my home i will no longer make payments. I have emailed them 3x asking them to stop calling my work number and they are still doing this. The number that's calling me is XXXX. The gentleman is very rude and threatening.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Identity theft fruadulent open accounts and inquiry Equifax XXXX XXXX XXXX XXXX XXXX Date open XX/XX/XXXX Amount XXXX Inquiry XXXX XXXX XXXX Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Wrong amount charged or received

Complaint:
Two huge issues that have been outstanding for 18+ days.

1 ) I purchased in the few minute window XXXX was live after initial launch and the price shown was invalid. My order for XXXX went through at XXXX and coinbase app charts are showing this never hit that. It was at XXXX for day which was also not true. As per your terms of service this transaction should be invalidated within 10 business days of reporting it - been longer than that. Please help! I spent hours on the phone and email is unresponsive. They canceled and cleared the order books of tons of orders but for some reason mine did not make the cut. Not sure how that is legal.. if they were to call off the launch - everyone 's orders should have been cleared - not just some. 

Case Number : http : //support.coinbase.comXXXX - no relevant response. They forwarded me money about a fork - which this had nothing to do with and I have n't heard back since. 

2 ) I sold .5 ETH 18 days ago at XXXX and it was never credited to my USD wallet. It just vanished into thin air. CoinBase, please invalidate the transaction since it didnt go through properly. No response since i logged this on XX/XX/17. 

Case : XXXX - no response whatsoever. 

-- - General Experience : Two hours on the phone the first time around and they said they could n't help me - need to email and wait. I did and I just learned after spending another two hours on the phone that I was waiting in the wrong department / queue - and needed to call a separate number. Apparently posting to the cases asking for updates also puts me further away from a response and resolution. 

This is outrageous - it 's theft & a scam. I 'm loosing money by having it tied up in invalid transactions and transactions that never went through. 

Any help would be appreciated. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: EQUIFAX, 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:
My identity has been compromised. I found out because XXXX XXXX sent my husband an email that he needed to take action. I immediately pulled my credit report and saw a outrageous amount of items that were opened under our social security number and by the look of it this person that stole our identity was not able to pay the things opened under our name. These fraudulent items are not mine. Please remove them from my report. 

XXXX XXXX XXXX {$3000.00} XXXX XXXX XXXX {$20000.00} XXXX/XXXX   XXXX {$510.00} XXXX/XXXX XXXX {$510.00} XXXX XXXX {$20000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: U.S. BANCORP
State: IN
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: Problem with personal statement of dispute

Complaint:
I filed Chapter XXXX bankruptcy in XXXX of XXXX -- it was finalized ( completed ) this past fall of XXXX. My US Bank mortgage was excluded from the bankruptcy and I continued payments. I requested several times during the bankruptcy that they resume credit bureau reporting to no response. I waited until it was finalized and I again requested that they resume credit bureau reporting. They have denied this request and claim it is their policy to stop all reporting after you file. I can understand them doing this BUT if a consumer requests individually that you resume, I feel that request should be granted. 

I have had this mortgage fifteen years and have never once been late -- every single payment has been made on time. I feel like this is continued punishment for having filed bankruptcy. I was counting on this to help rebuild my future going forward and I feel like it's a slap in the face. I will fight this for every single person out there in my position until it is made right. I will file a complaint with every agency I have to until my complaint is given legitimate review.

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 2018-03-16
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Equifax refuses to correct my birthday and has been given proper legal documents to show correct year. They wrote on their file they sent to me they would not correct or change the information and their re investigation would not change the results even though I provided them with proof 2 times. What is wrong with Equifax? This needs to be fixed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-29
Company: Experian Information Solutions Inc.
State: MN
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 have XXXX XXXX Account that has been paid off in full, and shows up negative on my credit report. I've requested it to be remove as negative item reporting on all 3 bureaus. It is reporting as a closed account dated as a Charge Off XX/XX/2017. The Amount saying that I owe is {$400.00}. I need this to be removed from my credit 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 2022-01-14
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have requested for Experian to change my personal information several times and they have refused to change it having this incorrect information on my report is misleading and his place and me and technical situation.

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 2018-01-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed an dispute with Bank of America XX-XX-2017. Advised, Bank of America to provide contract with my authentic signature. Moreover, should contract with my authentic signature not be available, delete tradeline from credit bureau. Advised Bank of America that they are allotted 30 days to provide disputed results to me. Never received correspondence from Bank of America.

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 2018-01-09
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Confusing or missing disclosures

Complaint:
Greetings I have recently bought a few crypto currency through a app called coinbase. I extremely frustrated, and have contacted the customer support service multiple times. They locked my account because I made a mistake when creating a profile. I put my date of birth as 2017 by mistake and my account has been locked for over a month now. I called the coinbase customer line and it takes almost an hour each time to get a help desk analyst. They always tell me the same exact thing that a ticket has been creating and were working on it. I am extremely frustrated, and have not been able to make investments or get my money since they locked my account. I need your help, and would appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 been disputing some items on my credit report consistently for almost six months now and I haven't received any results or response from XXXX throughout this process. I'm really trying to progress forward in my life and there are items on my report that hinder this. I haven't received any response for them and it's frustrating because I can't get a home or even get jobs because of some of these accounts. Something needs to be done.

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