BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Issue started on XX/XX/XXXX. 

Coinbase app. 

I was studying fees on the app. 
I put in an amount more then was in my checking account. ( normally, with any other payment method i had used up untill this point, it would just reject a charge like this. ) Apparently with a checking account it goes through no matter what and will even draw the account into the negative. The amount was 1,000 's of dollar 's more than i could affort ( again, i was studying how the fees worked, if it was an exact percent, or how it scaled to the amount, and payment method. ) This is what i was trying to do/understand. 

So i had no other choice but to contact my bank and put a stop on that one charge. 

I still have funds and other payment methods i would like to use to invest in crypto currency. But being locked out of coinbase, also locked me out of XXXX. And it seems every other USA based bitcoin  purchasing avenue. 

I can understand how this is a problem for coinbase. But there was no explination ( that i saw or have seen ) that a charge to the checking account was capable of over drawing my account. Every other payment method simply doesnt go through if the amount exceeded funds/limits..

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: Experian Information Solutions Inc.
State: MS
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:
in accordance with the fair credit reporting act XXXX XXXX account # XXXX, has violated my rights. 

15 U.S. C 1681 Section 602 A. States I have a right to privacy 15 U.S. C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2017-12-27
Company: Calvin Dean Homolka II
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My employer received a garnishment if my wages and notified me, Ive never received nitice if anything, I called the XXXX Kansas court clerk and she advised me it was a XX/XX/XXXX case number, the company XXXX, XXXX HAS NOT BEEN IN BUSINESS SINCE XX/XX/XXXX per Kansas Secretary of State,  it is addressed to me at an address in XXXX, KS, Ive never lived in XXXX, KS, Ive tried calling the attorney that is on the notice sent to my employer and all I get is voicemail, no live person. My dispute is I have no idea what this is, Ive never received notice of a Judgement filed against me, its from XX/XX/XXXX and they are trying to garnish my paycheck for a XX/XX/XXXX Debt I know nothing about

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: DISCOVER BANK
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Account Name : DISCOVERBANK Account Number : XXXX Date Opened : XX/XX/2004 Balance : {$0.00} Reason : Identity theft Please remove this from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-10
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I reported fraud on XX/XX/21, which navy federal close the claim in 4 days without fully investigating the claim it was over 50 charges its no way you fully investigate that claim in 4 days

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: World Omni Financial Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
I signed a contract with XXXX dealership XXXX  XXXX XXXX They told me 35 months I was going to pay XXXX a month but I didnt see on the small letters they are charging me 11 % dayly of the unpaid loan Witch is XXXX Made my first payment of XXXX Principal went down only XXXX Then the payoff amount every day keeps going up I didnt know Im paying dayli interest They never told me that

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: DISCOVER BANK
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:
Discover Card reported I was late 30 days in XX/XX/2019 and XX/XX/2019. The late payments did not occur in XX/XX/2019 according to a representative but in XXXX. 
I reported that I had to change my bank account information due to theft of my check book. A few attempts were made y discover to pull out payment from the old account and payments were returned. Discover card policy states I have 60 days before late payments are reported to the credit bureaus. MY payment was received on the 60th day In which it was reported. 
I spoke to a representative and was told I actually have 59 days. This is not clearly indicated by Discover Card to its consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: EQUIFAX, INC.
State: GA
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:
XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XXXX -- -> : {$820.00} XXXX : XXXX -- -> : {$550.00} XXXX : XXXX -- -> : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
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: Information belongs to someone else

Complaint:
I XXXX XXXX XXXX filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. These items in my credit file are from unauthorized use of my social security number and card. I did not authorize these items to be taken out in my name nor do they relate to anything I did. I'm unaware of any of this. All is being investigated by 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 non-monetary relief
Consumer complaint received 2017-12-27
Company: SYNCHRONY FINANCIAL
State: NY
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:
Synchrony bank via care credit, ran my credit for a larger line of credit but I did not authorize them or ok 'd them to do so. I called in XXXX to rectify this issue and it still seems to be on my report as a hard inquiry!

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 2017-10-30
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I can not get a copy of the promissory note I signed, the one I received was forged and the amounts were incorrect. I withdrew from XXXX XXXX XXXX and did not get refund. I had my loan rehabilitated after threats from 3rd party XXXX XXXX with XXXX. I have not been able to find out why or where my payments to both XXXX and AED do not add up? I can not get an honest answer or assistance. How long and how much do I owe on a loan for less than {$4000.00} and how many years do I have to keep paying? I was told I would qualify for public service forgiveness and then told I do not qualify? 

Why do I have balance sheets that do not have total payments made? Why do my payments keep changing? How much in fees have been added to my loans? What is forbearance? Who profits from these loans? Why do both of these loans show XXXX XXXX XXXX?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I talked to Chase 's Military Benefits Department in XXXX or XXXX of 2018, and was told I needed to apply prior to XXXX XXXX in order to get my annual fee waived for the first year ( and going forward ). Upon activation to XXXX XXXX, I applied for SCRA benefits, and was then told the first annual fee would not be waived. If we would have been informed correctly, I would have just waited until entering XXXX XXXX to apply. I asked them to pull the call, and they said they could not without a specific date and time. As I did not expect to be lied to, I did not write that down, and they are unwilling to help any further.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In accordance with the Fair Credit Reporting Act the referenced accounts violates my rights. 

15 U.S.C. 1681 Section 602A states that I have the right to privacy and Section 2 states that a consumer reporting agency SHALL NOT furnish an account without my WRITTEN instructions/permission. 

The following inquires are not mine and is a direct result of id theft. I have included a police report and has filed a FTC report showing that my identity has been compromised. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX and I've tried removing this inaccurate reporting multiple times after Transunion says they are " investigating. '' they are reporting erroneous information and in violation of 15 usc 1681i and they are non compliant.

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 2017-09-24
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
To whom it may concern, On XXXX XXXX, I sent XXXX XXXX ( {$1400.00} ) from coinbase to another company called XXXX. Due to the fee added, coinbase took XXXX XXXX ( {$1400.00} ) from my account. According to coinbase, the transaction was completed but the bitcoin was never received by the other company. I contacted coinbase support on XXXX XXXX and XXXX additional times on XXXX XXXX and XXXX. Coinbase has never responded to my inquiry. Please find attached a screenshot of the XXXX address from XXXX and Coinbase. I would like to know why the vendor ( XXXX ) never received my bitcoin and what actually happened to my money ( {$1400.00} ) which was taken from my account. Please help me as it is a lot of money to lose. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-02-19
Company: Experian Information Solutions Inc.
State: GA
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:
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX XXXXXXXX Credit Card with account # XXXX ), ( XXXX XXXX XXXX XXXX XXXX ), ( XXXX XXXX {$2200.00} XXXX XXXX ), ( XXXX with a balance of {$1100.00} ), ( XXXX XXXX  ), ( XXXX  with a balance of {$3000.00} XXXX ) has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-03-30
Company: CrossCountry Mortgage LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXX : XXXX/CROSSCOUNTRY MORTGAGE LLC ran a hard credit inquiry without my permission. 

XXXX : I was informed of this check through Chase Bank credit monitoring. 

XXXX : I sent a message to Crosscountry Mortgage, LLC through their website informing them that they conducted an unauthorized inquiry. Pending response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: PROVIDENT FUNDING ASSOCIATES
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage company ( Provident Funding Associates ) withdrew funds ( {$410.00} ) from our escrow account and made an annual HOA premium payment to another customer 's insurance company ( XXXX ). Furthermore, Provident Funding Associates failed to pay our annual HOA premium on time, which resulted in our homeowner 's insurance company ( XXXX XXXX ) issuing a cancellation notice of our policy. When we called to ask that the {$410.00} be returned to our account, Provident Funding Associates told us they could not return the funds until they received a refund from XXXX for the payment that Provident Funding Associates made in error. We also asked them to pay the HOA premium ( {$540.00} ) to our insurance company ( XXXX XXXX ), which they did from additional funds they withdrew from our escrow account. Our escrow account is currently deficient {$410.00} because Provident withdrew funds without our authorization. We are requesting that the {$410.00} that Provident withdrew in error be deposited immediately to make us whole.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-19
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX collection agency for XXXX XXXX erroneously placed a collection account of {$510.00} for XXXX XXXXXXXX Account XXXX on my 3 credit reports ( XXXX, XXXX, and Equifax ) as per XXXX XXXX letter dated XX/XX/XXXX. 

Conversely, on XX/XX/XXXX XXXX sent me notification stating that final balance of {$510.00} for XXXX  XXXX Account XXXX have been TRANSFERRED to my current XXXX account. {$510.00} foXXXX XXXX  XXXX Account XXXX is on my current XXXX  XXXX account. 

This XXXX XXXX collection agency account must therefore be REMOVED from my 3 credit reports ( XXXX, XXXX, and Equifax ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I tried contacting Transunion to remove fraudulent inquiries that I did not authorize. The inquiries I tried to remove are listed below : XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XXXX XX/XX/2020 XX/XX/XXXXXX/XX/XXXXXX/XX/2020 XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XXXX  XX/XX/2020 XXXX XX/XX/2020 XXXXXX/XX/XXXXXX/XX/2020XX/XX/XXXX XX/XX/2020 XXXX XX/XX/XXXX XX/XX/2020 XX/XX/XXXX XXXX XX/XX/2020

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 2022-02-19
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I Have New Updated Information On Pentagon Credit Union : I sent The Pentagon Credit Union an Notarized Affidavit Of XXXXruth for the 2nd time stating multiple violations and I responded back to their false statements via certified mail on XX/XX/2022 at XXXX and on XX/XX/2022 at XXXX Pentagon Credit Union received my Affidavit Of Truth. As of now I'm still demanding a response, a proof of validation, a proof of claim, details on what methods Pentagon Credit Union used to validate this alleged debt, and seeking my remedies which is owed to me from Pentagon Credit Union. In the attachments below is my Affidavit Of Truth and exhibits that back up my Affidavit Of Truth. Due to the failure of Pentagon Credit Union rebutting my Affidavit with an Affidavit they are now in default.

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 2019-05-06
Company: Certified Services, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I filed BANKRUPTCY back in XX/XX/XXXX and debt was discharged and I started getting negative notification on my credit report that Certified Services are still added negative and listing the discharge account on my credit report account status as NEW ACCOUNT, which impacting me improving my credit report as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: The Bureaus, Inc.
State: GA
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 Bureaus INC who had my account with XXXX XXXX was paid off. They are not removing the Debt from my credit reports ; XXXX XXXX or XXXX. I have filed disputes as well. It is showing that 0 % was paid off. Bureaus INC sold the account to XXXX XXXX and I settled the debt with them for {$710.00} and it was drafted from my acct XXXX XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-03
Company: Service Finance Holdings, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
To whom it may concern, on XX/XX/XXXX I made a payment for my XX/XX/2018 statement which was due on XX/XX/XXXX as well as an early payment for my XX/XX/2018 XXXX. XXXX XXXX did not process my payment for some reason. Therefore, neither payment cleared. I did not find out about XXXX XXXX 's error until XX/XX/XXXX. I immediately called XXXX XXXX and made the payment. I asked the gentleman I spoke with on the phone if there would be any issues from this he said " no you should be fine. '' I recently looked at my credit report and XXXX XXXX is reporting me 30 days late in XX/XX/2018 

The person on the phone when I called said my credit would not be impacted as the error with processing the payment was on their end and that I was not more than 30 days late pass due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is the absolute worst. I reached out to them to dispute this debt because I did not recognize this debt. They had no clue of what the alleged amount was or anything in that nature. How can they be allowed to report this information without sending me NO PROOF of the original creditor? Also, I know for a fact this company is nothing but a fraud because they could not answer any questions I had concerning the The Fair Debt Collection Practices Act.

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