BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-22
Company: Experian Information Solutions Inc.
State: MN
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 am a victim of identity theft. XXXX XXXX XXXX listed on my XXXX, Experian and XXXX XXXX credit report is a fraudulent and unauthorized account, and dont belong to me. I never applied for an auto loan account with XXXX XXXX XXXX. The account is fraudulent and a result of identity theft. I been receiving harassing phone calls at XXXX XXXX  and after XXXX XXXX at work and at home from representatives from XXXX XXXX XXXX for a debt thats fraudulent, the result of identity theft, and that dont belong to me. Representatives from XXXX XXXX XXXX has threatened me with death threats, legal action and prison. XXXX XXXX XXXX is in violation of federal law, The Fair Debt Collection Practices Act ( FDCPA ). Its been a frightening and terrifying experience, the way XXXX XXXX XXXX representatives has been calling my phone harassing me non-stop and on a consistent basis. Im in fear of my life. I have contacted the local media, law enforcement, and my U.S. Senator XXXX XXXX in regards to 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 2021-02-10
Company: EQUIFAX, INC.
State: NC
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:
Unfortunately, the purpose of this letter is to inform you that the companies listed failed to respond in the appropriate time frame to my dispute letter from XX/XX/2020. I sent my disputes by certified mail with the XXXX. XXXX XXXX on XX/XX/2020. Federal law requires you to respond within thirty ( 30 ) days ; at this point it has been ( 102 days ) and they have failed to respond. I am aware that according to Section 611 ( a ), a failure to investigate these items within 30 days gives a reason to immediately remove the inaccuracies from my report. 

I would like to inform you that I have maintained an accurate chronological record of my communications with them. If they continue to fail to respond to my requests, I will implement litigation due to the hardships these invalidated items on my reports have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-22
Company: BROKER SOLUTIONS, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second time New American Funding has not paid the home insurance per their contractual obligation resulting in my insurance being cancelled and their replacement insurance costing double or more. They did not pay ( approximately {$500.00} ) and threatened to purchase their own insurance ( approximately {$2000.00} ). Due to their lack of payment, my insurance was cancelled before I was able to make a claim regarding damage to the house ( approximately {$10000.00} for a damaged exterior wall ) and now I will not be able to make a claim with the new insurance company. They do not return my calls in a timely manner and when they do they call well after normal business hours.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: SC
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:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2021 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: DISCOVER BANK
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I spoke with this company on many occasions and filled out many forms and affidavits and for the past year they have been reporting on my credit reports that the debt is owed and when I file a dispute with the credit reporting agencys they delete it and then a few weeks later the same exact debt is back on my credit reports because this company ( Discover card ) keeps reporting the debt as owed when its not owed and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 following items are reporting incorrect late status on my credit file : 1. XXXX - reporting incorrect lates from XX/XX/XXXX - XX/XX/XXXX 2. XXXX XXXX XXXX - reporting incorrect late 120 & 180 day status 3. XXXX - reporting incorrect late 120 day status 4. XXXX XXXX XXXX XXXX reporting incorrect 120 days late on XX/XX/XXXX 5. XXXX XXXX XXXX XXXX reporting incorrect late 120 & 180 day status ( maybe a duplicate account ) 6. Incorrect Address Information : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX The below items never belong to me and is reporting on my credit file : 1. XXXX XXXX - This is not my account 2. XXXX XXXX XXXX - This is not my account 3. XXXX  XXXX XXXX - This is not my account or a duplicate of another 4. XXXX  XXXX XXXX - This is not my account 5. XXXX XXXX XXXX - This is not my account 6. XXXX - XXXX XXXX - This is not my account 7. XXXX XXXX XXXX - XXXX XXXX XXXX This is not my account 8. UNKNOWN ACCT ( Bal : {$100.00} ) - This is not my 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 2021-07-05
Company: LD Holdings Group, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Early XXXX - I began searching for a lender early XXXX through XXXX and on my own. 
XXXX XXXX - Contacted by unknown LoanDepot representative on XXXX XX/XX/XXXX XXXX - Contacted by loan officer at LoanDepot on XXXX XXXX for " special rates '' XXXX XXXX - Submitted soft credit application on XXXX XXXX to obtain credit worthiness and rates XXXX XXXX - I provided a home value estimate according to XXXX, $ XXXX, loan officer put $ XXXX XXXX XXXX - Directed to sign welcome documents XXXX XXXX - I was not provided an option for Rate lock and was directed to sign Loan Float as only option. 
XXXX XXXX - Provided requested financial statements XXXX XX/XX/XXXX XXXX - Provided notice that my wife 's name was mispelled on the original title to prevent complications and notify to work issues. 
XXXX XXXX - Received conditional loan approval XXXX XXXX - Received notice to confirm vesting name/statement XXXX XXXX - Notified Processor of name error and provided correct name/statement XXXX XXXX - Received 1st closing disclosure documents with incorrect name ; initial {$25.00} XXXX - Received 2nd closing disclosure documents with incorrect name ; revised {$25.00} XXXX - Notified LoanDepot that the name was still incorrect and that disclosures for my wife were coming to me instead of her. 
XXXX XXXX - Received 3rd closing disclosure documents with correct name, revised {$29.00} XXXX - Notified LoanDepot I would be geographically separated from my wife, so I would need to schedule signing before XX/XX/XXXX XXXX XXXX - Received 4th closing disclosures ; $ again revised XXXX XXXX - Received 5th closing disclosures ; $ again revised XXXX minutes apart ) XXXX XXXX - Notified via voicemail of the option to sign with notary XX/XX/XXXX or XX/XX/XXXX XXXX XXXX - Contacted loan processor to schedule notary on XX/XX/XXXX ; loan processor said I could not schedule for XX/XX/XXXX because closing disclosures were not signed. 
XXXX XXXX - Notary arrived at home for wife to sign ; notary unable to explain details of Closing USA docs, wife signed title docs, notary left XXXX XXXX - Notary arrived at separate location for husband to sign ; documents did not match ; notary unable to answer on behalf of Closing USA ; documents unsigned ; notary left

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: DE
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:
Re : XXXX XXXX XXXX & XXXX XXXX XXXX Dear Sir or Madame : Your company recently investigated and supposedly verified the above referenced account. I have contacted this company recently via registered mail requesting " Validation ''. I have yet to receive a reply from them. Pursuant to the rights afforded to me by the FCRA, I am enclosing the letters and postal receipts for your consideration. The FCRA maintains that the reporter of the account validates the account with me if they wish to continue reporting it. The FCRA also states you must consider evidence supplied by me during the investigation process. However, this letter is NOT a request to reinvestigate. You are obviously investigating from a different source as I am, perhaps and old magnetic tape or automated response system. This letter IS a formal request for you to delete the accounts in question. The letters and postal receipts I have supplied as evidence clearly shows the reporter of this erroneous information can not provide any information linking me to said account. 

The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX That being said, you have three options : -Delete the accounts based on the evidence supplied by me -Provide the Procedures used to verify the account -Do nothing and face a small claims court lawsuit Note : A simple list of creditor names and numbers will not be considered Procedural Evidence - I request the exact means of verification along with the names and numbers of all individuals involved in the verification. I will state again for the record - The account is not mine and the reporter of the account will not verify. Please delete the account or provide the requested information. Please reply to my request with deletion or the requested information within 15 days as prescribed by law. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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've file a disputes last XXXX for those accounts that I found inaccurate and unknown on my credit report. But it's almost 60 days now they didn't give any response. I demand that those accounts will be DELETED immediately or I will file a litigation.

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 2018-09-25
Company: National Credit Adjusters, LLC
State: MO
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I owed {$140.00} to XXXX when I lost my job and home, National Cedit Adjusters are trying to collect {$280.00}. I spoke to someone originally on XX/XX/XXXX, she said I could pay the {$140.00} and it would be paid in full. I asked them to send me that in writing and I would immediately pay it. In XXXX, I started getting calls again, but no letter. Gave them my brother 's address in case letter got lost in mail. In XXXX, after calls started again, I answered and told them no payment without a letter. They tried to email me a letter from someone's XXXX account, still trying to get {$280.00}. Told them I wanted paper copy for {$140.00} or not paying. They now call 3 or 4 times every weekday, about half a dozen different numbers and get hateful if I answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
Please see the documents that I have attached so that you can help me with my problems with bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07
Company: Colony Brands, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/19, XX/XX/19 and XX/XX/19, I have attempted to reach out to the credit bureaus as well as the actual creditor for assistance with accounts that are reporting on my credit file in error. I requested method of validation on XX/XX/19 and no response has been received from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
For 2 weeks now, beginning XX/XX/XXXX, my ability to access my information on Equifax has been disabled. I called in to Equifax to express my concerns every single day last week. Each day, the operator told me they are having a " system update and advised me to call back in a few hours. '' I finally ended up speaking to an escalation team member who admitted that they were undergoing a full Equifax software and portal system implementation and change that has somehow disabled everyone 's credit file access. Due to this, no Equifax operator is able to access my credit file. I am not able to access my credit file. The online MyEquifax system is down. It states to call them but phone calls are useless because they can not get to my credit file. I asked them why they are answering phones if their systems are down. No valid response. I want this resolved. I want a notification sent out to all consumers stating that their system is temporarily disabled. And I want compensation for the several hours I spent calling and remaining on hold for them last week just to be told a lie. They are unwilling to report what is the fact that they have no system ability right now and should not be open for business until that system has been restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-15
Company: EQUIFAX, INC.
State: LA
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:
XXXX  equifax XXXX improperly abusing my credit status. Shows late payment from 7 years ago in red right when report pops up incorrect over 7 years ago one parent missed I can not get credit apts nothing my score should be higher and not being addressed I called loan company 's I am not late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
To Whom It May Concern : Attached is a copy of an email I sent to COINBASE on XX/XX/XXXX. 

As per the email, I have tried numerous times to access my account which has approximately $ XXXX. As of today, I have still not been able to access my account nor have I received any answer from them other than the automated email they send out! 

I contacted the U.S. Securities and Exchange Commission, hoping they could help me. 
They suggested that I contact your agency. 

As you can imagine, I am deeply troubled and frustrated not being able to access my money! 

Any help you can provide would be greatly appreciated. 

Looking forward to hearing from you, XXXX XXXX XXXX This is what i sent to Coinbase also : To Whom It May Concern : I had an account with COINBASE for a few years. Unfortunately in XXXX, XXXX my phone was lost and with it, all my information, therefore my two step verification doesnt work and I am not getting any text messages. Since that time for the past FOUR MONTHS! I have been trying to recover my account with COINBASE without any success! 

I have followed ALL the instructions numerous times to no avail! 

My last transaction before losing my phone, was on XX/XX/2020 reference # XXXX in the amount of {$9800.00}. Since then I have not been able to do any transactions! I have monies tied up in my account with no way to access it. 

On XX/XX/XXXX, I got as far as your verification page! I submitted my drivers license and selfie picture. On XX/XX/XXXX, I received an email stating that my account recovery was unsuccessful! On XX/XX/XXXX, I responded to your email - the case is # XXXX. Although your email states it takes 4-5 business days to respond, it is now 7 days and I still have not heard anything!

I would like to reiterate, that I have over the last four months tried numerous times and have responded each time to the instructions, yet I have still not been able to access my account. 

I am quite anxious about this as you can imagine and will appreciate hearing from COINBASE and resolving this issue. 

Thank you for your prompt attention and assistance, XXXX XXXX XXXX Cell Phone XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 information incorrect

Complaint:
I currently have 4 hard inquiries on my credit report that should not be there. I did not apply for any credit cards on those dates on my credit report. I would like to have those removed as soon as possible, so they will no longer have an effect or impact my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 am a victim of identity theft, which I have been explaining to Transunion but they continue to make me jump through hoops to remove the fraud information from my reports. I have included the ID theft report as they have requested in this complaint because they keep saying they don't see the last ones that I sent them.

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 2021-04-27
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: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have asked in written form numerous of times for the credit bureau to investigate and provide method of verification to me regarding the inaccurate errors on my credit report. To this date that have not but yet these errors still remain on my credit report. The law states that must verify this incorrect information and provide me with their method of verification, they have not done so, so by law they have to remove the errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
DOCTORS BUSINESS BUREAU is reporting a debt on my credit report that they are not avail to verify. I contacted them on XXXX and they were not avail to find any information on me. I requested for them to remove the wrong information from my credit report and they hang up on me.

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