BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: Harris & Harris, Ltd.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have requested call stop on cell phone and house phone. Calls continue 20-30 times a week all hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
THERE ARE ACCOUNTS LISTED THAT SAY INCLUDED IN CHAPTER XXXX. ALL OF THESE ARE NOT ACCURATE AND NEED TO BE DELETED. I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU. 
I HAVE INQUIRIES THAT I DID NOT AUTHORIZED. 
I HAVE ACCOUNTS THAT SAY CHARGE OFF WHICH IS NOT TRUE I HAVE COLLECTION ACCOUNTS THAT I DO NOT BELONG TO ME THERE IS A CHAPTER XXXX LISTING ON MY REPORT WHICH IS WRONG I TRIED TO GET THIS RESOLVED BEFORE BUT WITH NO FEEDBACK FROM THE CREDIT BUREAU.

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 2020-08-19
Company: EQUIFAX, INC.
State: AR
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 several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These items listed are not mine and need to be deleted from my credit report. XXXX XXXX {$520.00} XXXX XXXX   XXXX {$180.00} XXXX  XXXX {$6600.00} XXXX XXXX {$980.00} XXXX  XXXX {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called XXXX, TransUnion, and XXXX  multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.

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 2019-04-29
Company: CORELOGIC INC
State: MI
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 have 5 hard inquiries on my credit report that were unauthorized from Credco! The dates are as follows XX/XX/XXXX/ 2 inquiries in XX/XX/XXXX one for miscellaneous/ one for finance/ personal. Another on XX/XX/XXXX and the last on XX/XX/XXXX both for miscellaneous! Then I have another hard inquiry from XXXX XXXX/ real estate and public accommodations! Another for XXXX XXXX and XXXX made on XX/XX/XXXX! Another from XXXX made on XX/XX/XXXX! Last one is XX/XX/XXXX for miscellaneous! These hard inquiries were not made by me and I did not authorize and they are having a negative impact on my credit score at a time when Im trying to improve my score! Please help to resolve and remove these from account! I know my identity has been stolen there have been numerous charges to my checking/debit and I have had to have approximately 4-5 cards replaced since XX/XX/XXXX!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
OnXX/XX/2021 I bought XXXX dollars worth with coinbase. Then a few weeks later I purchased another XXXX. On XX/XX/XXXX I received a notice that my password had been changed and if it was not me to shut down my account and check with my bank. On XX/XX/XXXX I noticed XXXX dollars pending in my account. Every day since then I have reached out to Coinbase. I have been unable to get into my account since that day. I literally have tried everything, from resetting my password. I have tried to trouble shoot a thousand different ways and nothing has worked .I have been told in 4 to 5 business days someone will contact me. But no one has. I have asked if I have any money left in my account. I asked to close my account. I get nothing from them!!! I dont know what else to do. I hope you can help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: KEYCORP
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX 2019 This is a reply to Key Banks letter sent on XXXX XXXX 2019 and second complaint as well as the answer to their letter dated. 
I opened my Promotional {$500.00} Checking account with KeyBank on XXXX XXXX 2019 as required by the attached documentation and expiration date of XXXX XXXX 2019 as stated on the document. 
When I heard other customers, who opened there account through the same online portal received the promotion code for a {$300.00} I Immediately got on the phone to make sure my promotional code was correct for the {$500.00} Code XXXX. 
At that time I was even less pleased to find out found out it was not for the {$500.00}, but also not for the {$300.00} but {$200.00} Promotional code and told them at the time I had clicked on the {$500.00} promo with the correct code of XXXX as well as the online document published at the time, they acknowledged the correct code for the {$500.00} promo was XXXX but could not change it in their system. 
I was given several numbers to call and correct this amount again from {$200.00} to {$500.00} and finally told to stop in the local branch and show them the promotion and they can simply change the code. 
When I stopped in the XXXX XXXX branch and talked with Ms. XXXX XXXX she would have to do some research because she could not change the code as well and returned my call and said I would have to come back in the branch and close my account and re-open with the correct code. When I arrived, I was told it was past the date for the {$500.00} promotion I would not be allowed that promotion even though I had a copy of their website of the {$500.00} promotion with the correct code, and again I opened my account again on XXXX XXXX 2019 as required. I do have the information and did have it on hand at the time when I went into the branch and its not from a second party the promo code is correct and so is the article and code when I showed Ms. XXXX. 
I disagreed with her, as it again was not my fault that I had to go through this all over again only to still not qualify for the correct promotional checking account the reason for the first complaint. 
On XXXX XXXX 2019 I received a letter from XXXX XXXX KeyCorp Executive Offices OH XXXX XXXX XXXX Ohio License number XXXX XXXX XXXX, XXXX, OH XXXX which kept referring to a {$300.00} promotional checking even when all along I had the correct code for the {$500.00} XXXX and offer letter online. The document attached as well as the promo code is Key Banks {$500.00} promotional code. 
Should you have any questions, please feel free to contact me at the email address on the first page. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-27
Company: Thaxton Investment Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I received a payday signature loan from XXXX XXXX. I became behind by a month and a half and they sent someone to my home in their personal car carrying documents containing my personal identifiable infirmation ( Ssn, birthdate, loan amount and etc ). The young lady that arrived at my house called her supervisor whom I spoke to over the cell phone. I expressed my disapproval of some traveling around with my personal identifiable information in their car and for them coming to my home. They could have mailed me delinquency notice the same way the mail me a notice of payment when I make them. The supervisor referered to the home visit as a courtesy visit. What is courtesy about it? It is a form of harassment and embarrassment. I do believe this is unethical and maybe even illigal. I could contacted the parent company which is Southern Management, but did not get a call back. I contacted the TX AG office and filed a complaint. I think this company need to be investigated because they should not have an office employee carrying around documents containing my personal information. It was late in the evening and I asked the employee if she would be returning back to the office with the documents and she said no, she would proceed to her residence after leaving my home. So that means she took my personal identifiab information that could be used for identify theft to her house.

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 2018-03-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
There was a fraudulent charge made on my credit card on XX/XX/XXXX. I disputed it immediately. Chase listened to my situation, and said they will be able to handle it without issue since it is clearly fraud. The situation was that a merchant, XXXX, charged my credit card without my consent while my account with them was closed for over a week. There was no way I could have authorized that charge. Also, I had opened up a dispute with that merchant regarding a purchase I did not receive earlier that month. Chase did resolve that issue for me. However, for this fraudulent charge, I was told on XX/XX/XXXX that they can not claim it as fraud because I had a previous relationship with the merchant. That makes no sense. If someone stayed at a hotel before, and then gets charged again a week later when they did not authorize it, that does not mean it isn't fraud because they stayed there before. Now, that representative said they will put the charge of {$3300.00} back on my card because they need to open it as a dispute against the merchant like my other charges. However, that makes no sense because again, I did not authorize the purchase for anything for this amount, so there is nothing to dispute other than a fraudulent charge. Their reasoning is hypocritical. I gave them a chance after escalating other claims on my other cards before, which they resolved. But since this unsatisfactory work and severely inconvenient process is happening again, I will be closing all my chase accounts if this does not get resolved. If this case should have been opened as another claim, they should have told me back in XX/XX/XXXX so that it can be resolved by now. Now, I have to wait another 2 months for a resolution which may not be in my favor because the circumstances in which they are disputing it is incorrect. I will make this and all other frustrations I had with Chase public to all forums, review sites, and personal contacts. Not only is the process not working to help me, their employees have been unprofessional. The specific employee who says my charge is not fraud for reasons that make no sense is XXXX ( XXXX ext XXXX ). I also want her to be punished for incorrectly assessing my situation. My attachments ( screenshots of my account before it was closed ) also show that the merchant XXXX never gave me anything for my previous purchases, and there is no reason why they should have charged my credit card any amount without my consent after my account with them was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Couch Conville & Blitt LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I recently received a letter ( copy attached ) attempting to collect a debt from a law firm, Couch, Conville & Blitt, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX, on behalf of XXXX XXXX XXXX - XXXX. The letter was sent to a former address. I responded by letter ( copy attached ) requesting proof of debt and other records certified by custodian of records for XXXX. In response, the law firm sent a photo copy of a purported judgement, obtained in XX/XX/2016, from a Justice of Peace Court in  XXXX County. I was never served with a subpoena or summons, and was unaware of the judgement, which I am yet to independently verify as truthful. I responded, informing the firm I was not accepting that document, and again requested bank records. Yesterday I was made aware that the firm sent documents via US Postal ( regular mail ), again to a former address. Said documents were in an envelope that appears to have been opened and resealed with tape. Said documents included my complete social security number, and other person identifiers and information. The same documents also contained a great deal of incorrect information. I believe said documents were obtained from an on-line data service that collects public records ( such as XXXX ). Again, they failed to comply with my request for actual bank records. Of greater concern is the gross misconduct of exposing personal data in such a manner. I know this firm is nothing more than a debt collector engaging in the purchase of outstanding debts. I do not believe they have the means to produce the records requested. I am also aware that this firm has had a number of complaints filed against them, and was named in lawsuit filed by the Mississippi Attorney General. I believe they are disregarding consumer rights and laws pertaining to debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX ACCT. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. ACCESS CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Navient granted me forebearance several times due to my hardship caused by hurricanes and loss of employment. They also refused to accept a full loan payoff five years ago, and have refused to provide records and communicate by mail. I lost my records in hurricanes that took place in XX/XX/XXXX & XX/XX/XXXX. My account is paid up to date, but due to Navient raising the interest rates I still owe {$3200.00}, but the loan is now over 20 years old, I am a senior citizen living on social security. I believe that due to the raising of the interest rates that I have overpaid by thousands of dollars the original amount owed. Navient is not treating me well, I have tried to resolve the issues but I feel I have been taken advantage of by Navient, and they are not treating me legally or ethically in regard to how much I have been required to pay to satisfy my original obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act. 

After notifying the company in writing and asking for verification of information on my consumer report according to 15 USC 1681 section 609 ( a ) ( 1 ) ( A ) that the consumer agency was reporting the wrong information. The agency said the information was verified and correct and even after asking for an re-investigation according to 15 U.S.C. 1681i 15 U.S.C. Code 1681 ( b ) permissible purpose 15 U.S.C. 1681 section 602 ( a ) right to privacy 15 U.S.C. 1681 section 604 ( a ) ( 2 ) 15 U.S.C. 1681 section 611 ( 5 ) ( A ) 15 U.S.C. 1681 section 611 ( a ) ( 7 ) & 15 U.S.C. 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-30
Company: Experian Information Solutions Inc.
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: Was not notified of investigation status or results

Complaint:
I recently sent letters over 45 days ago to the credit bureaus and they are disregarding a regular consumer dispute. I am stressed and have been sending letters before this and i still have not received no response. 

Today XX/XX/2020 i am reaching out to the bureaus again but this time i am also filing a complaint with you guys since i have not got any correspondence back from them. Hopefully you can help me get this matter under control. This is blocking me from opportunities. I just want everything thats an error to be corrected. i will greatly appreciate your help with this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: M. Richard Epps, P.C.
State: VA
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
a location company called XXXX is attempting to obtain emoployment verification by calling my employer repeatedly during the week of XX/XX/XXXX thru XX/XX/XXXX. After speaking to XXXX XXXX at this company and leaving voicemail and email with name of person to contact to verify my employment..calls continued and one co worker was told by the caller that I was seeking employment with their company and seh was calling for a job reference. This untrue statement has put me in a bad light with my employer as I am not seeking to leave my job. I dont know if this is a legal tactic and if not what can be done.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There was a 2nd ERROR resolution letter that went out on XXXX XXXX .It was assigned to XXXX XXXX Resolution Specialist Executive Mortgage Servicing Complaint and it was also sent to CEO XXXX XXXX XXXX of Bank of America.In response to our request we were given a date to receive a report which was XX/XX/2019 .We are now approaching an illegal foreclosure on XX/XX/XXXX XXXX.Part of our request deals with the Securitized Trust   XXXX XXXX Remic XXXX Trust ..The period of operation for the Remic Trust  was limited to 90 days. The investigations show it was only during that period that the loan could have been purchased by the Trust.The alleged transfer took place 4 years after the operations of the Remic Trust   closed.Delaware law says the same thing as the New York law : any act in contravention to the terms of the Trust are void.We have 2 PSA 's that say the same thing.The subject loan was already declared to be in default at the time of the Transfer.Hence the loan was not a " qualified '' loan under the terms of the PSA 's ( It also means that none of the presumptions under the UCC apply as to possession, holder or endorsement of the in which that which may have is defective as well as fraudulent .We have concrete evidence why we strongly believe the debt does not exist, the debt does not exist between us the borrower and the debt was paid in full this makes you a pretender lender. this loan was not secured i.e. that this mortgage lien was not perfected when filed.We have two investigations that show this debt has been paid and the truth of fraudulent activity In XXXX We Trust Psalm 25 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 2020-11-04
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XXXX XXXX a collection with National Credit Adjuster hit my credit before I was legally allowed to validate the debit. I called the collection agency and was told that the letter of notification was sent on XXXX XXXX to inform me of this debt. Im in the process of closing on a home, so I was advised by my financial counselor to pay the debt, as it would negatively affect my closing. The debt was paid on XXXX XXXX and the funds cleared on XXXX XXXX.

Company response to consumer: Closed with explanation