BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-07
Company: EQUIFAX, 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:
On XX/XX/2023 I received a strange call about winning the lottery and a free credit card. The person on the other line told me that they will give me a free cruise ship.I denied the request and ask the person how did you receive my information. The person stated to me that they notice on my consumer report I had no credit and I will be a perfect fit for the cruise ship rewards. I hung up the phone and called my local police and notified them of the weird call and scam. The dispatcher of the local police notified me to call all the consumers reporting agencies and notified them of the scam. I also checked Equifax, XXXX, and XXXX consumer reports and noticed many false inquiries that I never did. I even notice addresses and a fraudulent account as well. I even contacted the fraudulent dept of these reporting agencies still no one contacted me back 120 days later.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent a debt validation letter and they never responded back. I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ) to protect my privacy and medical records from third parties. I do not recall giving permission to anyone to release my medical information to a third party. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patients authorization.

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 2021-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received mail with promotion from Bank of America. On XX/XX/XXXX I have appointment with bank associate XXXX XXXX at bank branch on XXXX XXXX XXXX. She opened me new checking account and told me promotion requirement for receiving bonus : " deposit {$50000.00} in first 30 days and keep it next 60 days. She told me I will receive {$500.00} bonus in 90 days after completing 60 days deposit period. I deposit full amount on XX/XX/XXXX and withdraw on XX/XX/XXXX. I did not receive bonus.

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 monetary relief
Consumer complaint received 2019-02-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Previous to this incident I have never had a missed payment or any issues so this is my first incident with the company. I am currently undergoing treatment for XXXX XXXX XXXX XXXX XXXX and because of this was given a {$500.00} check from the XXXX XXXX to help towards my mortgage. On XX/XX/XXXX I sent the check for {$500.00} along with the remainder of my mortgage payment by personal check in the amount of {$730.00} to total the payment for my XX/XX/XXXX mortgage. Unbenounced to me, Rushmore sent the {$500.00} check back to XXXX XXXX claiming they were unsure how to apply and held my personal check in a suspense account. Nobody ever called me to tell me about the mistake I only found out the issue because somebody was taking pictutres of my home related to Rushmore and I called them myself to figure out what had happened. I was able to get the XXXX XXXX to cut another check and sent it in again to Rushmore with a detailed description of how the mistake had occurred and how to apply this check to clear up the XX/XX/XXXX payment. This was sent in XX/XX/XXXX. I have no received multiple letters about how they are starting the forclosure process on my home if I do not pay the balance, but they have the money to cover the payment. I have called and gotten no return phone calls and they are unwilling to help. I need them to apply the payment that they have and stop the forclosure process. It is very sad that this all started because a foundation was graciously trying to help me during this very difficult time in my life. Such a travesty and we need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: PNC Bank N.A.
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open the account online and didnt know that the bank was not in my area but I was fine because it was suppose to be a virtual spend account I thought by the name which is virtual wallet meant everything was done online anyways so I made my opening deposit and submitted my documents and was verified for the account but a few days later my account and my funds was placed on hold for no apparent reason I called many times and was told that the person putting a hold on my account will get back to me and I waited but the person never called then today I finally talk to her and she asked me to go into a branch and verify myself but the problem is that theres no branch near me so that was it she just said she closing my account.. I asked and even offered to go to any bank of their choice and bring my dicunents but she refuses to help and kept adamantly telling me that shes closing my account I dont even know what I did wrong and she never gave me an explanation why I was targeted in the first place now I feel like maybe because of my XXXX descent I was targeted..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
I submitted my complaint and evidence to the credit agency stating my concern about the transgressions of my score based on false reporting and received no solution to rectify my problems and then they continued to report missed payments inaccurately and have no moral complicity in lowering my score over 90 points over the last 30 days. Even with evidence provided and disputes submitted.

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 2023-03-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I'm issuing a complaint against XXXX XXXX. XXXX has placed an account in collections since XXXX, which opened due to fraud. I have sent XXXX a copy of my police report and closed bank statement XX/XX/XXXX, indicating I was a victim of fraud. I've worked with XXXX and Experian numerous times to remove the account, and the company has refused to remove the negative mark and account from my credit report. I've been turned down for a loan due to the negative reporting and denied refinancing my student loans. The XXXX companies are now violating the Fair Credit Reporting Act and performing defamation of character. A representative advised several months ago, XXXX received my paperwork to work on the fraud activity, and I still have no results. On XX/XX/XXXX, a representative stated the fraud department closed my case without contacting me or removing the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was a victim of fraud while being interviewed for a job where I was given a check that had insufficient funds or something of the sort. The bank proceeded to freeze my accounts on that same day ( XX/XX/XXXX ) and called me the following day ( XX/XX/XXXX ) informing me that my accounts had been closed and that I was no longer welcome to do business with them. 

When I asked regarding the money I had in my account, they said a check would be sent to me and this was confirmed in 3 different calls where they read back and confirmed the correct address. However, today ( XX/XX/XXXX ) I called regarding an email I had received yesterday ( XX/XX/XXXX ) saying there was a change of address on my account. This was impossible since they were closed. Upon calling I was told that the check ( s ) had been sent on XX/XX/XXXX, but to the wrong address. 

Despite the mail being refused and returned to sender, the bank claims that I have to issue a subpoena to get any information such as the recording of the calls and that I would have sign and notarize an affidavit that I had not received the checks, even though they received it back and they have not been cashed. 

The amount totals around ~ {$460.00}...

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 2022-04-19
Company: EQUIFAX, INC.
State: MO
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 sent a dispute letter to all XXXX credit bureaus telling them that specific hard inquiries were not authorized and should be deleted. It has been over 30 days and I have not heard anything back and the items haven't been deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
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:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry on my credit report. I implore you to take immediate action to remove it without any further delay. Please thoroughly investigate this matter and promptly rectify this error by removing the unauthorized inquiry from my credit report. Your urgent attention to this issue is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Coinbase, Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XXXX I had my Coinbase compromised. I woke up to notifications from my bank about multiple overdrafts from transactions from Coinbase. I tried to sign into my account and was unable to. My bank was able to resolve the issue within 20 minutes. Coinbase was a whole different story. There phone number is a dead end. I submitted a ticket as recommended. In that mean time I was able to get a response from their social media team with a response that my claim was taken in. No response for claim # XXXX till XXXX in the afternoon. This issue could have been solved in 20 minutes over the phone. Instead we went back and forth over emails from XXXX. They made me jump through multiple hoops to " recover my account ''. Photo verifications, selfies with notes on it with the day. Really ridiculous. Finally was able to unlock my account and they transferred my funds into the new email I used. Well after all that back and forth for days my account that had about {$5000.00} in cypto was drained out to {$24.00} dollars. Literally they had me go through all that when I could have made a new account in 5 minutes. Coinbase is the only account I have that I receive phishing texts and emails. In those emails they sent me they were quick to blame me. Literally all that money was drained out in minutes at XXXX XXXX You'd think that would raise a red flag especially when a hacker could get into my account and change my password and phone so I get no notifications. This has been a complete nightmare and coinbases idea of customer service is horrible. Their security is horrible. Literally trusted this company thinking I'd be safe and got screwed over. The emails I received pretty much told me to kick rocks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14
Company: DISCOVER BANK
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I received application denied from Discover Card. I never have applied for this card. The letter said contact Federal Trade Commission Identity Theft which is what Im doing. I have received 3 letters saying they have denied my application because they were unable to identify information. I have NEVER applied for this card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-21
Company: Law Offices of Robert A. Schuerger Co., LPA
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mr. XXXX XXXX, in a letter dated XX/XX/2021, created the impression as an agent acting on behalf of the Ohio Attorney General and as a practicing attorney in the state of New York. Mr. XXXX also created the impression that a default judgment would be made against me by the state of Ohio, if I do not contact him. Mr. XXXX made clear he would use any information I provide against me, if I contact him. 
Most importantly, I never owed such debt, never used the name appearing in the letter, never was associated with any person with the name appearing in the letter, and never, in any manner, was associated with XXXX XXXX. 
Mr. XXXX predatory practice is chilling. It is particularly onerous when targeting minority communities, members of which are often immigrants and are unfamiliar with the American legal system and their rights. 
I hope the agency will take action to protect vulnerable communities. I am outraged because I can imagine an old XXXX immigrant lady in XXXX XXXX receiving such a letter. It would deeply worry her and she may settle to pay a debt she never owes.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: IL
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:
Complaint ; Debt Validation Request and demand to remove false and derogatory information from my credit report I discovered that Equifax did not removed alleged delinquent account reported under XXXX XXXX XXXX XXXX XXXX name. 
While Credit Reporting Agencies typically not subject to Fair Debt Collection Practices Act, but then they act to create an appearance of legit debt they becoming a part of collection team, thus liable for reporting false information in violation of FCRA and FDCPA. 
I dispute and demand Equifax to perform investigation of account number ending XXXX which is falsely reported as delinquent and immediately remove this false and derogatory information from my credit report. 
I demand a respond from Equifaxs employee how and based on which material evidence Equfax determined that this account is delinquent and why Equifax decided that this account has any relationship to XXXX? 
I have sent many previous letters to you, all by filing complaints with CFPB, and requesting that you remove inaccurate information from my file and you have failed to do so. 
Accordingly, I prepared to file a massive legal action in Federal Court where can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous demands stated my reasons for an investigation and these reasons were not frivolous in any way. 
If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. 

Also, I noted numerous " soft inquiries '' on my credit report, including Equifax 's inquiries under XXXX abbreviation. Please state that this abbreviation stands for and who authorized to place these " soft inquiries '' on my report? 
I anticipate your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
The presence of a derogatory rating on my account is causing me great concern. I am deeply worried about the impact it may have on my credit. It has already led to the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX want to dispute this collection on my credit report. I do not owe this company any money. I do not have a contract signed by this company. Just because they buy debts on the secondary market does not mean I owe. I will go to court and tell the judge I dont owe per I dont have a contract signed with collection company. I want collection company to delete the negative account from my credit report per fcra law. If they dont remove Ill have to file a federal law suit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX Last 4 SSN : XXXX The following account was charged off as of XX/XX/XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following account ( s ) : XXXX XXXX XXXX Best Regards, 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 explanation
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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: EQUIFAX, INC.
State: IL
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:
Please update my account and remove the inaccurate late payment. I have always paid on time and never missed a payment. This is causing me a lot of stress and XXXX, and I can't even sleep properly because of this problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-01
Company: HW Holding, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have never had any contact with the current parties requesting me to pay off a debt of XXXX XXXX The two companies are XXXX XXXX XXXX, and the debt collection agency is Hunter Warfield. Somebody got a hold of my social security perhaps and opened an account or loan/lease for an apartment at XXXX XXXX XXXX I have never physically and personally signed and paper work nor have I given any information about living at that specific location and I have never lived there at all. This debt does not correspond to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22
Company: Kriya Capital, LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
When I examined my credit report I learned that Credence Resource Management had submitted information that I owed a debt of {$260.00}. I called XXXX credit Bureau to get more information. They gave me the name of the company and the phone number. I called Credence Resource Management to dispute the bill which indicated that an XXXX XXXX XXXX mobile account had been opened in South Carolina. I explained that I had never lived in South Carolina. They promised to send me a kit to help me clear up the discrepancies. I have not received the kit. This was ten days ago. Meanwhile, I submitted documentation to XXXX to show my real address for the past three decades. XXXX removed the bogus address from my credit report. I called XXXX XXXX XXXX and they opened a fraud investigation case on the complaint. However, the charge still remains on my credit file. My credit report also showed that someone was attempting to apply for credit cards using my information. This led me to conclude that I have been the victim of identity theft. I froze my credit reports on all three credit bureau sites and contacted the credit card companies to let them know that I had not changed my address and that I had not applied for any credit cards.

Company response to consumer: Closed with non-monetary relief