BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-01
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have a Coinbase account they made the mistake and they have locked me out of my account. I call coinbase there customer service is horrible. I transferred out some funds to cover some bills, Coinbase sent it to my savings instead of my checking. I sent the money back to coinbase so I could send it to my checking done, but a day later i try to use my coinbase debit card and it is declined. I call coinbase they tells me I owe them XXXX dollars, i look at my checking and saving and sure enough the money is still in my savings account i try to send it and my bank accounts are unlinked. I link them and send them the money and I wait for it to clear. I call them and they still have my account blocked that was XXXX XXXX coinbase customer service says they will escalate but they will not get a supervisor or manager or will they supply you with any other phone number or email. I call every other day and nothing they always say the same thing we escalate, they will email you but no one ever does.they make it seem that I did something wrong when its coinbase fault I am no computer wizard I paid them there money it cleared my bank and they still have my account blocked, they verify me and give me the run around. Today XXXX now they say until XXXX XXXX I am afraid that the little I have they are trying to steal it or misappropriate my funds I am already a XXXX citizen and I feel they are trying to take advantage of me. Can you please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Update to CFPB complaints XXXX AND XXXX : BoA EDD Case XXXX for fraud charge reimbursement : Yesterday ( XX/XX/XXXX ) I was informed by BoA EDD phone reps XXXX in TX and XXXX in MN that XXXX XXXX East Coast Time XX/XX/XXXX, BoA EDD had changed the status of my debit card from ACTIVE to SUSPENDED and initiated a fraud investigation due to suspicious charges that day and XX/XX/XXXX. Yet despite all that, BoA authorized several more fraudulent XXXX charges on made after that on XX/XX/XXXX from XXXX to XXXX. I WAS NOT NOTIFIED DESPITE A FRAUD ALERT SET TO EMAIL ME ANY SUSPICIOUS CHARGES. Here are a few of them : XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX  $ XXXX XX/XX/XXXX XXXX  $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX XX/XX/XXXX XXXX $ XXXX The criminal who made these charges did so from XXXX account that wasn't mine XXXX eg. not my name, address, card expiration date, PIN, or 3 digit code! Also, XX/XX/XXXX fraud charge by XXXX XXXX did not have my name or any info on the card. Yet all those obvious fraud charges were approved by BoA and no email of suspicious charges sent to me, no letter or phone call ( BoA had my phone number via XXXX other BoA accounts I have under my social security number. 

DESPITE THIS NEGLIGENCE, BoA refuses to credit back these RED FLAG fraud charges. I strongly stated that the 60 day time limit should not apply, because BoA EDD did not notify me of the suspicious charges or fraud investigation initiated on XX/XX/XXXX. On XX/XX/XXXX, BoA EDD rep XXXX told me my complaint was DENIED and that I did not receive an email notification of suspicious charges because BoA did not deem them to be " suspicious '', Yet they changed the status of the card to SUSPENDED and initiated a FRAUD INVESTIGATION AT XXXX ON XX/XX/XXXX. That is outright duplicity and a huge contradiction. 

Also, I could NOT LOG in to view my monthly statements because the email hotlink notification of same had a virus so website access was blocked! I've provided BoA with screenshots of that to no avail. 

PLEASE HELP ME GET REIMBURSED FOR THE ABOVE FRAUD CHARGES AND PUBLICIZE BoA EDD negligence and horrible handling of this case. 
In addition to my BoA EDD account, I AM a multi-decade BoA Platinum Honors Preferred Rewards client with BoA checking and CMA Merrill Edge accounts. Yet the bank doesn't consider that in the handling of my complaint. I feel trashed, bashed and destroyed by BoA EDD

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 2020-04-27
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Company is reporting innacurate personal information. I tried to dispute online and it blocked me from doing it.

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 2023-05-22
Company: Regional Management Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XXXX XXXX I witness negative information on my credit report about a loan I never applied for from Regions Financial

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: IA
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:
I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, USDOEXXXX Account number : XXXX XXXX Account number : XXXX USDOEXXXX  Account number : XXXX USDOEXXXX Account number : XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 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 2023-01-12
Company: Experian Information Solutions Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account Number : 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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
I have wrote about this before, at this point it is willful noncompliance, 15 U.S.C 1681n. In accordance with the Fair Credit Reporting act CREDIT BUREAU SYSTEM Account # beginning in XXXX, XXXX XXXX  Account # XXXX and XXXX Account # XXXX, has violated my rights15 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. These violations are also pursuant civil liability under 15 USC 1692k. If these accounts are not removed with monetary relief then the next letter will be mailed directly with an invoice for every violation.

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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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:
15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
It has been XXXX days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-08-02
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
hello paypal, I try to withdraw my money and after try 2 time and the system fail, the limitation was place on my account. 
This is really fustrate to place a permanent limitation without any reason becouse i try to transfer money to my bank account. 

you can review the account and everything is fine but your system made everything dificult. 

i guess i wish you gys help me to resolve this problem on my account becouse the only thing i do was try to transfer my money to the bank. 

XXXX ( LIMITATION WAS PLACE AFTER I TRY TO TRANSFER MY MONEY TO MY BANK ) XXXX i hope paypal can do something for fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12
Company: Experian Information Solutions Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-06-19
Company: EQUIFAX, INC.
State: IL
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  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Experian Information Solutions Inc.
State: IN
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX Account ) XXXXXXXX XXXX ( Account ) XXXX XXXX XXXX  ( Account ) XXXX XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX ( Account ) XXXX XXXX XXXX XXXX  ( Account ) XXXX XXXX U.S.C 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 an account without my written instructions.

15U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S. Code s 1681n section 1 ( A ) ( B ) : any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater

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 2023-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices XXXX XXXX  Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

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 2022-12-15
Company: Genesis FS Card Services, Inc.
State: GA
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 PREVIOUSLY CONTACTED GENESIS /INDIGO CREDIT CARD FOR THE PURPOSE OF OBTAINING AL OF MY CREDIT CARD STATEMENTS PRIOR TO XX/XX/2021. IN A PREVIOUS COMPLAINT SENT BY MY SPOUSE REGARDING THE HOA FOR XXXX XXXX XXXX XXXX, XXXX GA XXXX, SHE ATTACHED A SPREADSHEET WHICH LISTED ALL OF THE HOA PAYMENTS AND THE SUPPORTING DOCUMENTATION. DUE TO OUR CONSISTENT REPORTING DUE TO MORTGAGE FRAUD WE WERE MISSING STATEMENTS WHICH REFLECTED A COUPLE OF PAYMENTS TO THE HOA WHICH WERE PAID BY GENESIS/INDIGO CC. WE NEVER RECEIVED COPIES OF THESE STATEMENTS. WHEN WE SPOKE WITH THE COMPANY THERE APPEARED TO BE A LEVEL OF RESISTANCE REGARDING THE RELEASE OF THE STATEMENTS. I FIRMLY BELIEVE SOMEONE HAS INTERCEPTED THIS REQUEST. MY CC NUMBER CHANGED. GENESIS ISSUED A NEW CARD TO ME WITH A DIFFERENT NUMBER. THE MISSING STATEMENTS ARE UNDER ACCOUNT NUMBER XXXX XXXX XXXX XXXX. THE COMPANY WAS MAILING THE STATEMENTS TO THE WRONG CITY AND ZIP CODE. THIS IS RELATED TO THE COMPLAINT AGAINST XXXX AND XXXX XXXX. MY NEW CC NUMBER IS XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. WE ARE REQUESTNG ALL REQUESTED STATEMENTS ( PRIOR TO XX/XX/2021 ) BE MAILED TO MY PHYSICAL ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX AGAIN THIS WAS FOR ACCOUNT NUMBER XXXX XXXX XXXX XXXX FOR XXXX XXXX XXXX WE KNOW WHY WE NEVER RECEIVED REQUESTED STATEMENTS. THIS LAWFIRM REALLY NEEDS TO STOP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: EQUIFAX, INC.
State: OH
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 reporting act the list of the accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have violated my rights. 

15 USC 1681 section 602 A states I have the right to privacy 15 USC 1681 section 604 A section 2 It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 C A section 5 states no consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX  have 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 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 non-monetary relief
Consumer complaint received 2022-11-24
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX and Experian Inquires that are not mine jXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXXl XX/XX/XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-06-28
Company: JPMORGAN CHASE & CO.
State: CT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I tried to request a car loan ( XX/XX/2023 ) deferment from Chase Auto Finance and they refuse to defer my monthly payment. My spouse is currently not working. I am having financial hardship and difficulty staying afloat with our monthly bills. Chase, instead recommended that I divide my monthly payment by paying half now and half in 2 weeks. This does not solve our current situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I am writing to correct my personal information on file with your company as i have tried many times without any success so now i will keep a record of your blatant disregard for file and may be used in legal proceedings. 


Please update my address : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX I do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they are not deliverable to me by the XXXX. Postal Service and they are not reportable as per F.C.R.A since they are inaccurate they need to be removed 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 2023-07-25
Company: Receivables Management Corporation
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: Reporting company used your report improperly

Complaint:
Receivables Management Corporation and XXXX XXXX are in direct violation of my consumer right ( HIPPA Violations ) I've reached out and tried to receive clarity on the matter, however I have had no luck reaching anyone. Ive asked for a copy of the original agreement from both parties involved. Also I have asked for an itemized bill reflecting the charges and I have been met with extreme refusal and disrespectful representatives. PLEASE HELP ME OUT

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation