BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-25
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Greetings, There is inaccurate information on my consumer report that is a result of identity theft. I did not provide explicit written permission and or instructions for the identified transaction to be reported on my consumer report. There is no written CONTRACT from me, the CONSUMER authorizing the account listed below. I am requesting that the reporting information be blocked and deleted from my consumer report, immediately. My request to block is not made in error, nor is my request to block being made based on a material misrepresentation of the fact conveyed by me relevant to the request to block the identified transaction. The identified transaction is not information related to any transactions made by me as the consumer and I have never resided at the location associated with the account listed below : CCS COLLECTIONS | XXXX XXXX, amount {$1200.00} Pursuant to fair credit laws sanctioned by Congress this information must be blocked and this transaction on my consumer report must be removed within four days from the date of the receipt of this notice. I am looking forward to your expeditious response and level of professionalism regarding my consumer rights. As verification of my identity, I have provided a copy of my driver 's license. 
Thank you,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: EQUIFAX, INC.
State: IL
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:
I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGADS TO INACCURATE INFORMATION REPORTING TO MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN 30 DAYS I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BURAUS AND STILL HAVE YET TO RECEIVE A RESPONDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-30
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
1 ) Opted for FREE credit monitoring services after information BREACH ; 2 ) Received email notification XX/XX/2019, my FICO Score had " decreased '' although I've not incurred NO new negative accounts or credit in last three years!

3 ) When followed link found ONLY NEGATIVE ACCTS REPORTED ; 4 ) UNABLE to upload CURRENT bank accounts information ; 5 ) OR LINK BANK ACCTS WITH DIRECT BILL! accounts : CAR, RENT, UTILITIES!!! ; 6 ) ALL EXCELLENT PAY HISTORY ; 7 ) FALSE REPORTING=INADEQUATE information=bringing MY SCORES DOWN!

8 ) CUSTOMER SERVICE PHONE IS FRAUDULENT! UNABLE TO EVER REACH A HUMAN BEING! Challenge anyone 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 2019-03-22
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had no knowledge I owed this amount to XXXX XXXX. They sold the debt to XXXX XXXX. It was taken to court without my knowledge XX/XX/XXXX. The original debt was for XXXX. The amount owed is now XXXX. They emptied my checking and savings of XXXX on or around XX/XX/XXXX. I had no written statement of garnishment. I bought a home in XX/XX/XXXX and when mortgage company ran my credit I had no past due accounts or collections on my report. I obtained documents myself from court house and my bank. I had no written correspondence with the creditor. I do not believe they are on the up and up. I feel like they are ripping myself and others off by their tactics. I researched on my own. Others might not know to do this and pay them blindly without knowing their rights. I would like this account to be investigated to prove accuracy. And to know if they can legally charge me 3-4 the original debt. I was not contacted about court cases so I was unable to show up to said court dates

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo XXXX regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes XXXX law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date receipt by such agency of- ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report, ( XXXX ) the identification of such information by the consumer, and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per XXXX and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$330.00}

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 non-monetary relief
Consumer complaint received 2020-09-08
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: Information belongs to someone else

Complaint:
On XX/XX/2020 I received hard inquiry alerts from Expirian,  XXXX and XXXX I contact them to let them know that I did not apply for anything on that day .they told me to file a complain first so they can remove those hard inquiries

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 2023-06-30
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: MD
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:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, IN XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX : {$660.00} XXXX  XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$21000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXXXXXX ) XXXX Balance : {$550.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance XXXX {$660.00} XXXX XXXX Balance : {$390.00} XXXX XXXX Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX XXXX  XXXX Bankruptcy XXXX Date Filed/Reported : 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 non-monetary relief
Consumer complaint received 2023-06-07
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
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 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 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 non-monetary relief
Consumer complaint received 2023-01-06
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
i have had this loan about 2 years i was under the impression that the escrow would start at the beginning of the loan just before the due date on my home insurance was due i was informed by XXXX XXXX XXXX that insurance had not been paid this was almost XXXX XXXX years ago i paid the insurance from XX/XX/XXXX to XX/XX/XXXX my insurance was re evaluated and increased by about {$400.00} per year i received a bill XXXX for back pay and increase at the same time they have made XXXX payment in XX/XX/XXXX now they want 12 months back pay pluss an increase my phone # is XXXX e-mail is XXXX XXXX can scan and E-mail you the letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : On XXXX. XXXX, XXXX, XXXX XX/XX/XXXXL add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX. XXXX, XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
In accordance with Fair Credit Reporting Act Everything has to be 100 % accurate in my credit report The credit bureaus stated that my account was properly investigated but how is this possible when there are unauthorized hard inquiries, data sets related to inputting of accounts were not metro 2 compliant, data listed is mismatched compared to other credits and my request for account verification was dismissed. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 section 602 ( a ) requires accuracy and fairness of credit reporting. 15 U.S.C 1681b section 604 ( a ) ( 2 ) permissible purposes of consumer report - In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681g section 609 ( a ) ( 1 ) Disclosures to consumers - Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : All information in the consumers file at the time of the request. The credit bureaus also took more than 30 days to complete my investigation

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 2021-12-18
Company: AMERICAN EXPRESS COMPANY
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/XXXX someone without my authorization unlock my credit to apply for a American express and got XXXX alerts from XXXX different credit agencies XXXX and XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2021 I called GDAX phone number which I found on line and an agent of GDAX/Coinbase moved my investments from coinbase to coinbase pro along with {$4000.00} from my bank. He also was suppose to moved my investment from XXXX XXXX to coinbase but only moved one. During the same month I noticed that my default portfolio was just around $ XXXX when my portfolio account should have been around {$20000.00}. 
I have informed Coinbase using their help/support ( XXXX ) section of my concerns and what needs to be done to fix this discrepancy. To date I received a number of case numbers of which none solved my concerns, I then contacted their complaint department ( XXXX ) who indicated taht they would let me know the out come in 15 working days. At the end of that period I received no resolution but instead they asked for another 20 working days. I objected to this continued extension/delaying tactics asking them to provide a resolution within 5 working days which end this Friday. All I need from Coinbase are : 1. to use my account as I see fit 2. what happened to my investment and the {$4000.00} that was withdrawn from my bank that was moved from coinbase to coinbase pro.

3. why is my default portfolio showing less that {$1.00} when my balance should be closer to {$20000.00} 4. why is my account showing {$0.00} when I try to withdraw or transfer coinbase pro to coinbase?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2016 Nationstar sent me a letter in CFPB case number XXXX stating they needed the following documents : new RMA ; two months proof of income ; quarterly profit and loss ; proof of occupancy. I faxed all of these documents to their modification department at XXXX promptly on XXXX XXXX, 2016 and kept the fax receipt. Nationstar responded in CFPB Case number XXXX that they, " ... uploaded these documents to my review file on XXXX XXXX, 2016 ''. 
Since then they have sent me letters stating they need the same XXXX documents on XXXX XXXX, 2016 and on XXXX XXXX, 2016. In between these letters I received a letter on XXXX XXXX, 2016, stating all that was needed for my modification review was a new Dodd- Frank Form and Proof of rental income. This can be verified in CFPB case number XXXX. I have submitted these documents as well. 
All of this pattern of fraud has happened after Nationstar requested the same document ( profit and loss statement ) five times in a XXXX month period between XX/XX/XXXX and XX/XX/XXXX. I submitted profit and loss statements all 5 times which is noted in case number XXXX. 

Furthermore, Nationstar initially denied trying to foreclose on my property while under review for a modification ( dual tracking ) until I submitted proof of the sale dates to the CFPB and only then did they admitted setting sale dates in CFPB case number XXXX. Nationstar 's continued response for years is that they do not have a complete document package to review despite now admitting they have uploaded the documents they request. This is dual tracking or loan modification fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I purchased 2 tickets for a XXXX XXXX concert for the amount of {$380.00}. The transaction took place on XX/XX/2023. When I didn't receive an email confirmation or any information on my tickets, I became suspicious. I looked up reviews on the company, XXXX XXXX XXXX XXXX, and saw review after review saying it's a scam and that PayPal is in on it. I wasn't worried about a scam because I had used PayPal to purchase the tickets and believed them to be trustworthy. I opened a dispute with PayPal and was denied because they said I received the tickets. I did not. When XXXX XXXXXXXX XXXX XXXX finally responded to me, they denied me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: AZ
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:
In accordance with Fair Credit Reporting Act Everything has to be 100 % accurate in my credit report The credit bureaus stated that my account was properly investigated but how is this possible when there are unauthorized hard inquiries, data sets related to inputting of accounts were not metro 2 compliant, data listed is mismatched compared to other credits and my request for account verification was dismissed. This is grounds for removal and they also violated my rights under : 15 U.S.C 1681 section 602 ( a ) requires accuracy and fairness of credit reporting. 15 U.S.C 1681b section 604 ( a ) ( 2 ) permissible purposes of consumer report - In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681g section 609 ( a ) ( 1 ) Disclosures to consumers - Information on file ; sources ; report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : All information in the consumers file at the time of the request. The credit bureaus also took more than 30 days to complete my investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: NATIONSTAR MORTGAGE LLC
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification due to financial hardship and was denied. I had to call to get the reasoning for the denial as their so called personal representative that is assigned to me never returns my calls or responds to emails or answers the phone. The rep on the phone stated I was denied because I was not yet two months late only two day s from being such. They offered to apply my behind payments to the next 6 months payments. But If I am not able to make the regular payments, what makes them think I can make this payment. I really wanted the payment lowered and the MI insurance taken off the loan so that I can afford the payment.

Company response to consumer: Closed with explanation