BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-26
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
-I received notification on XXXX mail that my e-mail account was accessed using the code sent to my phone number ( I never received a code to my phone, now I know because my phone number was ported ) -Soon after, I noticed my password to my Coinbase account was changed ; I could no longer access my account with my personal password, and I still have not been able to get into my account for 6 days. I have contacted support with Coinbase and there has still been no resolution for getting into my account ; I have correspondence stating that the account was locked and sign-in disabled. I'm not sure if I intercepted quickly enough to avoid any transfers because I have not been able to access the account. 
-I went back to my email to check the message regarding account access using a code sent to my phone number and the email was gone and the trash was empty. Luckily, I made a screenshot. 
XX/XX/2021 -I notice an unauthorized transfer from my XXXX XXXX account to my Coinbase account ; I contact XXXX XXXX XXXX to stop payment and stop any withdrawals from the account until further notice I was able to change passwords and recover the number. Then on XX/XX/2021 -I noticed my phone had no service, I restarted the phone, then received a message from my carrier congratulating me on a new phone. 
-I received notification on XXXX mail that my e-mail account was accessed using the code sent to my phone number ( I did not receive notification or request a code ; at this point, I knew the same thing was happening ) -I checked my account activity, but I see no other devices outside of my device which I was currently using to access my account. ( but that is not the case, I have the email from XXXX stating that my account was accessed from a different device ) -This time, I was able to see the mail in the trash folder which were all from my cryptocurrency accounts ( XXXX  and Coinbse ) For password resets and new device log-ins I have now been in contact with Coinbase support for approximately 5 weeks with no resolution. It is past time for resolution. 

I have supporting documents for all of the aforementioned incidents. The documentation the number port evidence ( where it all began ) is probably the most important piece of evidence in this case. Please see the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My complaint is regarding a company known as Credence Resource Management. I was a victim of identity theft and the account was proven to be not opened by me, and it was removed from all 3 credit credit reports in XX/XX/XXXX. An identity Fraud alert has been placed on all my credit files yet the company tried now to use the another agency to place the same two accounts on my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX credit files. This is not my account and i want it removed from my XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX Credit files permanently. 
Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/2020 Loan Amount {$570.00} {$570.00} Payment Info Original loan amount {$570.00} Balance {$570.00} Status date XX/XX/XXXX Additional info Comments - Your statements - Contact XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-07
Company: EQUIFAX, INC.
State: MN
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XX/XX/XXXX Equifax RE : Requesting a Method of Verification Letter Dear Sir/Maam : I recently received a response to a dispute ( see attached ) that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with. It saddened me to learn that you somehow verified the disputed item, electing to leave it on my report. After previously delete at the item and then added it back on without sending proper notifications! 

I am absolutely certain that the item I disputed should be permanently removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence! Who did you speak with at the United state bankruptcy court in XXXX Minnesota. Please provide a copy of what information did the US Bankruptcy court provided to you that would have made you reinsert the chapter XXXX public record?? They are the furniture of this information so they mustve supplied you with some type of information that wouldve made you put it back on the report after deletion! You keep saying XXXX and the pacer system but they are 3rd party. Per the FCRA this information must and shall only be verified with the furnishing company and that is the United States Bankruptcy Court, XXXX! 

All previous letters and documents that I sent to you previously are once again attached along with this correspondence in order to help you process this request. 

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate violation of the FCRA Therefore, I request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this letter. 

I expect to receive a response within 15 days of receipt of this letter, or I will expect to see the item in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very Respectfully, XXXX XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-08
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Personal information on all credit reports have my name ( s ) that are not mine, address where I did not live, and jobs listed at places that I did not work.

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 2023-09-26
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Complaint Regarding Inaccurate Credit Reporting and Identity Theft Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint regarding persistent inaccuracies on my credit reports and suspected identity theft. Despite my best efforts to dispute these inaccuracies with the credit bureaus, the issues have not been resolved, and I am deeply concerned about the fraudulent accounts listed. 

The details of my complaint are as follows : 1. **Inaccurate Credit Reporting** : On my credit reports from [ Name of Credit Bureaus, e.g., Equifax, XXXX, XXXX ] , I have identified several inaccuracies, including but not limited to [ Specify the inaccuracies, such as incorrect account information, late payments, etc. ]. I have attached copies of my credit reports highlighting these discrepancies for your reference. 

2. **Fraudulent Accounts** : I believe I may have been a victim of identity theft, as there are accounts listed on my credit reports that I have no knowledge of, and I have not entered into any contractual agreements with these creditors. These fraudulent accounts include [ 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, ]. 

I have taken the following steps to address these issues : - I initially contacted the credit bureaus and submitted disputes to have these inaccuracies corrected. 
- I have also contacted the creditors associated with the inaccurate and fraudulent accounts, and I have requested verification and investigation. 
- Despite my efforts, the inaccuracies persist, and I am facing significant difficulties in obtaining credit and financial services due to these issues. 

I am seeking your assistance and intervention to ensure that my rights as a consumer are protected and that the credit reporting system accurately reflects my financial history. I kindly request that the Consumer Financial Protection Bureau investigate these matters promptly. 

Enclosed with this letter, you will find copies of my credit reports, as well as any supporting documents related to the fraudulent accounts and inaccuracies. 

Please provide me with a written response acknowledging the receipt of my complaint and inform me of any actions taken to address it. I can be reached at XXXX or XXXX for any further communication. 

I greatly appreciate your attention to this matter and your dedication to safeguarding consumer rights. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XXXX I walked into my local Chase bank and sat with an officer who reviewed my information and verified my veteran status. We proceeded to create an account without any issues. A week later, I receive a letter from Chase notifying me that my bank account is to be closed without reversal of their decision. On that notification letter nor via the call center or branch office did they provide me with a reason why. I've called and haven't gotten a response other than 'Chase does not let us know why '. I do have an Amazon Chase credit card which is still active. But yet, I have no response as to why close the bank account. I own my own home, have ok credit, stable income and a reliable career, along with veteran designation and I do banking with another institution as well. I don't have anything crazy on my credit reports either. I've never been involved in a crime or have any judgements against me. I just want transparency to understand where their decision stems from, other than the assumption that they just didn't like my last name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: DE
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX willfully fail to comply with FCRA .I would like to know how did you verify the information XXXX did not do an accurate investigation in providing the factual details to my dispute. Iam distressed that you have included these accounts with inaccurate information for all the accounts listed I would respectfully request you to provide proof of the alleged items specifically the contracts bearing my signature and address. If you can not provide the contracts the items must be deleted asap .these are the following accounts XXXXXXXX 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 XXXXXXXX If you continue to violate the FCRA laws you will be held liable for actual damages and attorney fees. The address on the contracts must reflect all the address you publish on my r credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
In XX/XX/2022 my American Express credit limit was {$6000.00} In XX/XX/2022 my American Express credit limit was {$4300.00} No letters or correspondence explaining this discrepancy My credit rating has been negatively impacted My monthly payment has now jumped fro {$91.00} to {$350.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-09
Company: TD BANK US HOLDING COMPANY
State: CT
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:
Don't trust TD Bank. 

I will keep this concise. 
I applied for the forbearance program at the start of the pandemic seeing as I had a new job and I didn't know how the company would handle the transition. I never used it. I kept up with all my payments. 

Sitting at 5 % I apply to another bank for a lower rate. Once they were ready they were not able to buy the mortgage because of my forbearance status. 

I call TD Bank around late XXXX/XXXX. And they remove me from the program. Reporting it will take 30 days to have it report properly on my credit. 

For 3 to 4 months the other bank was unable to buy the mortgage because TD bank did not update my reporting with the credit bearau properly. 

They even mailed me an apology letter stating that " Sorry we messed up on your credit ''. 

This cost me a XXXX dollar appraisal fee because it only lasts 3 months and now I need to pay for another and there is the difference of XXXX dollar monthly payments so I am out XXXX  of dollars. 
During this time something happened where my dad was forced to retire and we needed to wait months for a new mortgage with his retirement funds. 

So I am sitting here paying thousands in Interest on a mortgage I was unable to have at another institution because TD miss reported my credit. I've been trying to solve this for a year and no one calls me back despite them ADMITTING they messed up and they will resend the policy letter. 

They entrapped me to a mortgage and made me unable to transition to another bank locking me in higher payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: JPMORGAN CHASE & CO.
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:
Jpmcb Card Dpt EdXXXX I am unaware of the above listed accounts. Please validate this information with the creditors and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any suchdocumentation bearing my signature, I formally request that this information be immediately deletedfrom the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Actsection 623 ( a ) ( 3 ), and I am keeping careful record of your actions. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a smallclaims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act You will be required to appear in a court venue local to me, in order to formally defend yourself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom It May Concern : This complaint concerns my XXXX XXXX credit card account with XXXX XXXX, which became delinquent in XX/XX/XXXX. Portfolio Recovery Associates, LLC alleges that they bought the account from XXXX XXXX, but the have refused to provide written documentation of alleged sale, even after multiple letters from me, a blatant violation of the Fair Debt Collection Practices Act, which explicitly requires documentation be provided within 30 days of the first written request. 

I wish to make the following points : I received a letter from Portfolio Recovery Associates, which is attached, dated XX/XX/XXXX, claiming without proof that they had purchased my XXXX XXXX XXXX from XXXX XXXX  ; On XX/XX/XXXX, I sent Portfolio Recovery Associates a requesting a copy of the sales contract, as proof of the alleged sale. 
In a letter dated XX/XX/XXXX, Portfolio Recovery Associates stated they could provide me payment history on the account, but provided no actual documentation, as is required within 30 days under the Federal Fair Debt Collection Practices Act. Nevada Revised Statutes XXXX etc. also requires written notice. 
I sent a letter to Portfolio Recovery Associates dated XX/XX/XXXX again requesting a copy of the alleged sales contract. 
In a letter dated XX/XX/XXXX, Portfolio Recovery Associates offered a supposed hardship program, but they still have not provided proof of the debt, or if they honor and respect the 6-year statute of limitations under Nevada law. They only vaguely recognize my judgement proof income exemptions under both 42 U.S. Code 407 AND Nevada Revised Statutes 21.090 ( 1 ( y ) ), etc., but they set a time limit, which the law does not allow. Nevada Revised Statutes says my SSA benefits are protected from consumer debt collection judgements without limitation, so an artificial date such as is in this seems to be prohibited.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-12
Company: Diversified Adjustment Service, Inc.
State: AL
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 have reviewed my credit report and I have found several inquiries that are fraudulently incorrect. I have reported an identity theft as of XX/XX/XXXX, Disputing accounts that are on my credit by several different companies all who are named in this complaint. I would like to file a complaint against these companies due to the fact that I have previously told them that this is an identity Theft. also the fact that they continue to sell this debt to debt collectors. As a result, my credit report has been severely impacted because they are the only items reporting negatively on my credit report. I have also filed a report with the FTC identity Theft website due to the fact that these bills are not caused by me! I checked my credit report in XXXX XXXX XXXX and saw that these dates have been added to my report I would like these items removed once and for all from my credit report! 

Companies reporting fraudulently : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 2021-09-08
Company: Neighborhoods United, LLC
State: PA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had paid off the property and they still have not sent my deed to be recorded the lender seems to have taken care of everything on his end AHP servicing is supposed to record the deed and has not been done yet. The property was paid off XX/XX/2021.. I have contacted a XXXX XXXX numerous times to take care of the issue they are not returning my phone calls ahp servicing # XXXX slow Mo is The gentleman in charge!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: EQUIFAX, INC.
State: CA
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:
On XX/XX/XXXX my payment of {$550.00} was returned for NSF. It so happened that money was taken out by mistake from the State of California. Thus causing me to bounce my check. I have had this lease for 3 years and I have never been late. My credit score went down because of this action and it will affect my ability to buy my car at the end of the lease. Which is due on XX/XX/XXXX.

Company response to consumer: Closed with explanation