BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-08
Company: Coinbase, Inc.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
COINBASE. last week my ability to buy Digital coijs was shut off. I have been able to buy for over 3 months. When I first reached out to Coinbase I did not get a response. I then sent a second request as to why they disabled my ability to buy to which I recieved a generic response. 
XX/XX/2017 | XXXX PDT XXXX replied : Hello, A manual review has determined that you are not eligible to use the Coinbase platform to purchase digital currency. Were sorry for any inconvenience that this may cause.
We regret that we are not able to supply you with any additional information.
Please note that we have not blocked access to any balance currently in your Coinbase account. While we can no longer process buy orders via our banking relationship, you may withdraw these funds at any time. 

Again, I apologize for any inconvenience this has caused you. 

So they have no real reson but just because ... they did this after asking me to upload my bank records my id and my ssn information ... it is very uppseting to deal with these hassles after complying with all request

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: OK
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:
Equifax sold my information. I didnt even get a notice that my information was compromised. I had to find out on my own. Then they charged me for credit report and i subscribed to what i thought was credit monitoring. That account has been compromised. XXXX opened account using my info that is connected to two XXXX numbers and each number has two additional accounts associated with each number. Then they didn't protect my personal info at all then selling it on the dark web. Then tp top it off metro by XXXX XXXX swapped me and took over my sell phone getting phishing message all from XXXX customer care. My email is hacked XXXX messenger its outta control. Who ever stole my identity is monitoring my credit and making dispute so i won't find out. Its my credit and i wan na be able to access and use it. They also are trying t get settlement money also. Help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
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:
1. XXXX and XXXX collection company posted a {$XXXX} debt to my credit report. I have disputed with collection company and they still posted to report. By law I have a right to dispute debt within 30 days of receiving letter. 

2. This account by XXXX is not mines and I have filed complaint with FTC and Attorney General of Texas..

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 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
TransUnion has continued to violate me as a federally protected consumer with no regard of my reputation or their grave responsibilities under the FCRA. I requested validation of the alleged debt and sent it to TransUnion, their response was " VERIFIED AS ACCURATE ''.. I asked them to provide the information they obtained to decide that the account that I disputed was accurate. They never responded. The account was listed on my report as XXXX  XXXX XXXX, pulled my report and it was gone. They never provided me with an updated consumer report letting me know that the item was removed. They also, never answered my demand for disclosure on the information used to verify the account. Which is a VIOLATION under 15 USC 1681i ( a ) ( 6 ) as they are supposed notify me of the above mentioned information. TransUnion has decided that they have no responsibility to maintain the maximum accuracy as it relates to me the consumer and natural person. They LIED about actually doing an investigation and verifying the information which is why they ultimately removed the account from my consumer report. They are civilly liable pursuant to 15 USC 1681n and I am now seeking monetary relief.

They have also deleted quite a few of inquiries off of my consumer report and I received confirmation about those deletions ( but they failed to send confirmation about the above mentioned account ). Those deletions are FURTHER proof that TransUnion is to be held liable under 15 USC 1681n. Deletions are admission that the information was inaccurate from the start. You were supposed to maintain the accurate of my consumer report and you repeatedly failed to do so.

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 2017-09-05
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I called to speak with someone to see if there was an error on my statement.I was told that their deferred billing was different and the interest on their card generates on the balance you initially borrowed not the current balance. I, m hurt and felt like I was deceived, my balance was {$1700.00} and the interest is {$1600.00}. I, m not sure if there will also be additional interest each month. I have had a problem with this bank before, that went into my bank account and withdrew some money as if I made a payment and that was never resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2021, I Sent a wire transfer of {$3000.00} to my brother XXXX XXXX. I sent it at XXXX EST under the impression it would be sent same day due to their website stating if wire transfers were sent before XXXX, they would be processed and sent to the recipient the same day. If sent after XXXX, it would be the next day. It's XXXX EST on XX/XX/2021, and the transfer has not arrived to his account. I called XXXX XXXX and spoke with XXXX. I explained to her the issue and stated I paid a {$30.00} fee to have this service send money the same day. XXXX does NOTHING to help the situation and tries to provide me with the FED reference number saying the recipient needs to track the money. I told her I did not call for the reference number as it's stated online already. I called to see where my money was at because I paid the bank for the service. If the service wasn't going to rendered, I want a refund and a reversal of my {$3000.00}. I told her I could have used XXXX XXXX service for same day. She said wires take up to 24 hours ; I told her that's not the issue ; the issue is the false advertisement on the banks site that DOES NOT have any small print that tells you how long the transfer can take. It just says same day. Screen shot attached. I told XXXX the call was being recorded due to her inability to assist. she hung up the phone at that time. 

XXXX transferred me to XXXX, a XXXX male who stated he was a supervisor. After tell XXXX what occurred, he refused to assist claiming he could not verify my account. I asked him several times to send the text for verification to my personal cell number as I was on my business line and it was trying to call me while I was on the phone with him. I did not want to switch over because I did not want to lose the call with XXXX. XXXX refused to verify my account and did nothing to remedy the situation. 

I spoke with Chase Bank yesterday XX/XX/2021 and they verified the money was indeed reversed and returned to XXXX XXXX on XX/XX/2021. 

As of today, XX/XX/2021, i finally received a reversal but there was {$40.00} missing. Apparently Chase bank stole my money because of their mess up. I WANT MY MONEY BACK TODAY. I am not waiting anymore days or hours for your inadequate employees to do their jobs correctly. 

I have sent this to the Florida attorney general, the federal attorney general, and XXXX. I have also submitted complaints to CFPB, left bad reviews on XXXX, XXXX, XXXX, XXXX and of courseXXXX XXXX. 

I am getting other clients together who have published complaints on CFPB and XXXX  website to possibly get a class action lawsuit against your bank for theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: CL Holdings LLC
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It Concern, I recently received a copy of my credit report ( XX/XX/2017 ). In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt, Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) ) I do hereby request that your office provide me with complete documentation to verify that I owe the said debt and have any legal obligation to pay you.
Please provide me with the following : Agreement with the creditor that authorizes you to collect on this alleged debt The agreement bearing my signature stating that I have agreed to assume the debt Valid copies of the debt agreement stating the amount of the debt and interest charges Proof that the Statute of Limitations has not expired Complete payment history on this account along with an accounting of all additional charges being assessed Show me that you are licensed to collect in my state ; and Your license numbers and Registered Agent If your office fails to reply to this debt validation letter within 30 days from the date of your receipt, all instances related to this account must be immediately deleted and completely removed from my credit file. Moreover, all future attempts to collect on the said debt must be ceased.
Your non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees if I am forced to bring this matter before a judge.
Thanking you,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
In XX/XX/2019, I was able to reach a settlement with Capital One Finance after my account charged off. I was given the option to break up the amount of settlement up in 6 payments. I've made 4 of those payments. In XXXX, my mom passed and I called Cap One to see if I could hold off on making the payment until XXXX. I was immediately told no we can't do that.. figure out a way to pay. So I decided to sell the vehicle. I called for a payoff of the settlement on XX/XX/XXXX. The rep stated that she could not send anything and to call back the next day. I called back with the dealer for a payoff letter only to be told that they can't guarantee the amount because a payment was supposed to be made the day before, something the rep never said. I called back later and spoke with another rep who also said that there was nothing he could do so I requested that my call be escalated. That rep only faxed a payment history but it did not have a running balance nor the remaining amount. I found an option to get Cap One paid and have got nothing but the run around. I realize that the account charged off and I am responsible for the outcome but if we come to an agreement about the amount and they refuse to at least assist in getting them the money that was agreed upon, why make the process so hard. I find it very perplexing that now since I am trying to sell the vehicle to get them the money they won't assist in getting me the documents to do just that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I went from owing {$800.00} ( something ) to owing {$1200.00}. The interest on the loan is@4.75 %, even with missing payments, it does n't justify the increase in the loan amount. Also, I can no longer see what was owed when payments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-18
Company: SCA Collections, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Approximately 6 months ago, I sent a certified letter to XXXX asking for this account to be removed from my credit report due to not receiving a notice 5 days prior to debt being placed on my credit report, and due to not having any knowledge of this debt. I was sent an email back stating the debt was mine and I must pay it. There was never any proof of any signed contract between myself or SCA Collections.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Should credit bureaus be band from doing business? 

My main concern is that the credit Bureaus seem to be slow in updating my credit score. Their slowness makes it to where my credit scores remain at their lowest. Meanwhile, they continue to bombard me with credit improvement services so they can make money. 
I believe the credit bureaus need to be held accountable for this unscrupulous practice. The credit bureaus need to be made to update consumers ' credit record daily not monthly. 
If the credit bureaus want to remain in the business of keeping credit records of the American consumers, they must held accountable. I make this request because the credit records they keep currently have an impact on the American consumers ' daily life. 
The American consumers make purchase decisions daily. Many of these decisions require an up to date credit report. Therefore, we, the American consumers, should not be made to wait for a monthly report. 

Conclusion The consumer should not be made to suffer because bureaus are not doing their job effectively. They take on the job to keep life changing credit record on the public ; they must provide daily up to date record on the consumers. Did we ask them to keep credit records on us? No

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person. I XXXX XXXX, have created and submitted this dispute solely and only for me. Do not respond stating otherwise. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
USAA Bank opened several fraudulent accounts in my name by someone who stole my identity. I have made USAA bank aware that these accounts were opened as a result of fraud, but they have done nothing to resolve this matter. They are reporting to XXXX XXXX XXXX agency that I have had derogatory accounts with them, when I in fact have never had any accounts with USAA Bank. I was the victim of identity theft in 2010 and every since then I have had multiple bank accounts, credit card accounts, and other accounts established in my name by the person who stole my information. I have contacted USAA bank multiple times and made them aware of this situation but they have done absolutely nothing to resolve this. They continue to ignore my requests to remove these fraudulent accounts out of my name, and continue to defame my character by reporting this fraudulent information to XXXX XXXX XXXX when they know and have been told in writing, and by phone that these accounts are fraudulent. 

XXXX XXXX has also been made aware that these two accounts were fraudulent but they have done nothing to resolve this matter either. They tell me to contact USAA Bank, and I have done that countless times, but it is them that is reporting this fraudulent information to other creditors that is causing me not to be able to open accounts in my name. XXXX XXXX XXXX has informed me that they will not stop disseminating this fraudulent information unless USAA Bank tells them not to. 

Both USAA Bank and XXXX XXXX are complicit in defaming my character and ruining my ability to obtain banking products in my name due to these fraudulent accounts that were opened in my name with out my knowledge or permission. They have both been informed of this matter and neither of them have been willing to assist me in removing this fraudulent information from my names and this constitutes a violation of the laws that govern credit reporting. 
1st. ) Routing XXXX Account Number XXXX 2nd. ) Routing XXXX Account Number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At some point all three credit reporting agencies should stop blocking me from getting what the federal government is guaranteeing the US consumer. And that is weekly annual credit reports from XXXX, Transunion and XXXX. All three are still restricting us access to get the Free Annual Credit Reports. This has been going on for awhile, and it is being allowed to keep us from seeing how our credit scores are being suppressed. Now we have a perfect paying history, no late or missed payments on any of our accounts. No negatives or anything that could negatively impact our credit scores, yet my Transunion score is XXXX and my XXXX credit score is XXXX. My XXXX is XXXX and that is because XXXX limits their third part access into the consumer credit data. 

The goal is to keep our score low and make our accounts XXXX. 

We have been disputing this and all three credit bureaus have been consistent to NOT CORRECTING these intentional errors

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 2016-04-05
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient refuses to lower my monthly payment on my private loan ( such as lower/no interest rate/lower monthly rate ) so that I am able to pay them while meeting my other obligations. I have already informed them that my income of $ XXXX/month does not allow for nearly any discretionary income, but instead merely pays my bills. My student loan principal has already accrued 50 % interest on top of the original amount, but Navient wants more money ( Currently pay them $ XXXX/mo interest only for a year only and then $ XXXX/mo ) and will not negotiate a more reasonable income based repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I purchased a watch from an online merchant, XXXX XXXX company and never received the watch. My bank of america Visa is now refusing to credit me back the amount. This is merchandise not received. I asked BofA to send me their policy and it states that I have 120 days from promised delivery date to dispute this. I purposely used my BofA Visa to purchase this item for my protection. I have called BofA several times, produced emails showing the delivery date and they are not refunding me the amount.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-28
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: Was not notified of investigation status or results

Complaint:
I received a copy of my credit report and sent a letter disputing some items that need to be deleted but I have not received a response. According to the provisions of the Fair Credit Reporting Act these disputed items must be reinvestigated or deleted from my credit record within 30 days. During the investigation period, these items must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Transunion let XXXX XXXX put a derogatory collection on my credit report in XX/XX/XXXX without my written consent under 15 usc 1681b ( 2 ). I disputed it on XX/XX/XXXX and they deleted it XX/XX/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