BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX XXXX XXXX {$220.00} XXXX XXXX {$3700.00} XXXX XXXX XXXX {$32000.00} XXXX XXXX {$2300.00} XXXX   XXXX {$1200.00} XXXX XXXX  XXXX XXXX {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Bread Financial Holdings, 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:
After going through a divorce i order my credit report and i notice a inquiry from XXXX XXXX. I did not authorized this inquiry and I want it removed as soon as possible.I notice it appear two timesvXX/XX/2017 and XX/XX/2017 I notice that XXXX XXXX   give anyone a credit. I also have a credit card from XXXX XXXX XXXX XXXX that I want removed from my credit because i did not open that account. I don't want it closed i want it removed.I did not open this account and i didnt benefit from this account being open.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: BANK OF HAWAII CORPORATION
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Each month, Bank of Hawaii locks me out of my online account, leaving me unable to pay my car payment. I have to call in, and wait 20-30 minutes to talk to an online representative or go into a local branch to make the transfer. The entire point of online banking is for the convenience of being able to do it from my phone or computer at home, and Bank of Hawaii is failing horribly with their customers on this page. I 've been trying to speak to a customer representative agent the past 3 days to get my account unlocked, but due to excessive waits ( minimum 20-30 minutes ), I have not been able to access my account. They said that they added a new layer of security to their  accounts, yet all it 's doing is preventing me from being able to access my accounts, and is going to be reflective on my credit score that payments are being late- solely due to the fact that I constantly am locked out of my account. It seems as though Bank of Hawaii is doing this on purpose to collect late payment fees, and it seems scammy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: Incomm Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2017, There was a XXXX XXXX on sale from XXXX for {$1000.00}. They used XXXX payments through email for the transaction. They would ship the car because they owner said he would be XXXX back to the military. They told me to open two XXXX prepaid cards each holding {$500.00} and send screenshots to them. After a day I went to check the status and there were no such thing. I went to check on the prepaid cards website. Both transactions ( {$500.00} ea. ) statements were forwarded to an auto parts store in XXXX, Michigan. I started to realize this was a scam. I never got a reply from the XXXX people who sent me the payment options for the car. I contacted the XXXX XXXX prepaid customer service line and explained what happened. They told me that they could not do anything and are not responsible for scams. I feel this card company would have done something if I had n't said this was a scam transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Monterey Financial Services LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Assignment clause Notarized letter of debt purchase Signed contract from original creditor Signed HIPAA form I disputed this account awhile ago but still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally * Signed HIPAA form This is a form of HIPAA violation.

If they are saying it is verified then where's my proof? What methods are you using to verify?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
JP MORGAN CHASE Falsified documents sent foreclosure notices before I was even behind on payments. I contacted them repeatedly to get an accounting of the mortgage they sent modifications and proceeded with a foreclosure stating they complied with the RPAPL was sent before I was even behind in payments this is where the confusion started. In the 4yrs before the sale I repeatedly tried to work with JP Morgan Chase but the stated repeatedly they sent documentation and modifications which were returned but they claimed not to have received. 
They then stated they were no longer the servicer that we had to contact the new servicer. Yet the foreclosure documents only listed JP Morgan Chase and upon JP Morgan Chase own admission in a letter they had an interest in my home until XX/XX/XXXX 

They pushed for the foreclosure claiming they were not dual tracking when in fact they were since they had interest until XX/XX/XXXX. They held interest in my home until they knew they would be able to obtain it for {$500.00} WHICH IS WHAT THE REFEREE SOLD IT TO THEM FOR. 

No one addresses this fact?? That JP Morgan Chase received Billions of dollars to help with the mortgage fraud MY TAX DOLLARS so they can turn around and purchase my home for {$500.00}. JP Morgan Chase did not even have the original mortgage papers when I requested them, all they have are copies from XXXX County Court. 

JP Morgan Chase and their attorney 's swear to the accuracy of the documents which contain many inaccuracies. I have found that JP Morgan Chase with the help of XXXX XXXX and XXXX has done this to many people. 

I have attached a payment schedule where you can see XX/XX/XXXX payment was made in XX/XX/XXXX and they put it in suspense so they could begin foreclosure I am in the process of contacting every JP Morgan Chase foreclosure customer in XXXX County for the past 6yrs to  obtain the proof of the widespread consistent fraud they have perpertrated and how many homes they have STOLEN FOR {$50000.00}. Once I am done with XXXX County I am going to contact people in the 5 boroughs and numerous other counties in New York. 

Since I am being EVICTED from my home on XX/XX/XXXX due to this fraud I will have nothing but time to research this consistent fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
File # XXXX I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the account I disputed with them FORTY DAYS AGO ever since XX/XX/2018. Because they have gone way past the 30-day legal deadline and can not verify the account, under Section 611 ( 5 ) ( A ) of the FCRA -- they are required to " ... promptly delete all information which can not be verified. '' which includes the account I have disputed. 

Please resolve this matter ASAP. Thanks in advance.

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 2018-12-13
Company: TekCollect Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I received a call from a debt collector by the name of XXXX XXXX, from The company Tek Collect on XX/XX/2018 @ XXXX CST. I requested for the debt collector to cease all future phone calls & to communicate with me strictly via postal mail. After i disconnected the call, the same debt collector XXXX XXXX called me back and questioned why I hung up on h and continued to harass me about the debt and called me a debtor in attempt to belittle me. The hanging up and calling back happened 2-3 more times before I decided to block the number to cease the harassing calls.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
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 have been the victim of identity theft the following inquiries are unauthorized : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XXXX XX/XX/XXXX XXXX  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 2021-01-31
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I recently refinanced my mortgage with Huntington Bank. My first payment was due on XX/XX/XXXX. I paid that first payment in full on XX/XX/XXXX. On XX/XX/XXXX, the payment was reversed as " misapplied '' but not returned to my account. I was charged a late fee and now my account shows over 30 days past due, which is not accurate. No one has attempted to contact me about this error and I only found out looking at my account online.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-23
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently had fraud on my account at USAA. Immediately upon speaking to the representative XXXX XXXX, she advised, my son was a victim of a scam. He deposited 2 checks and made a {$500.00} withdrawal. She said she had spoken with him and told him to just give the money back. Not once were we asked if he did it. Her mind was already made up before she spoke with either of us that he had done it. He had basically been tried and convicted before she spoke to him and not wanting to really hear what I had to say. Needless to say our claim was denied and I have to pay back {$500.00} plus fees for something we did not do nor did we get a fair chance. I keep finding out little pieces of what happened each time i call and speak to someone else. I have been with the bank over 15 years and this is how I am treated. Unfair and unjust. All I am asking is for someone to remove the tunnel vision and look at the history and patterns of my accounts. Everything we do is remote, online. I cant remember the last time I have actually went to the physical location let alone made a check deposit at an atm. Granted I do make cash deposits at the ATM, rarely but I do. However, I pretty much use the same ATM, which is the one located in XXXX XXXX. Again, this was not done by my son nor myself. Please look into this further. There should be video since it was done at an actual branch ATM. I will gladly view it and see if I can identify who made the deposit. All Im asking for is help getting my account credited back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
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: Public record information inaccurate

Complaint:
Public notices, There is an innacurate lien reported on my account. I HAVE NO LIENS 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 2021-09-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I want to dispute this account but I still have not received anything I asked for them to prove 100 % verified or validation. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-08
Company: EQUIFAX, INC.
State: NV
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 not sure what happened to cause XXXX XXXX XXXX Bank to approve a credit card with my personal information. I've been trying to get this off my credit for almost 7 years with no success. I filed a police report years ago but this is still on my credit report. On several occasions, I've asked XXXX to provide evidence of who may have opened the account so that I can give it to the police but they have not sent me any evidence ever. No matter how many times I have asked for valid proof I was only supplied with a copy of a bill. Per the credit reporting agencies Equifax, XXXX, and XXXX the {$8900.00} debt is going to fall off in XXXX of XXXX, however it should have never been on my credit report. It appears the account was opened in XXXX of XXXX. I have never used my Nevada state ID, Social Security #, Name, DOB, and any other personal information to open an account with XXXX XXXX XXXX XXXX ( XXXX ). I have been trying to get this account off my credit for over 7 years. I filed FTC Report Number XXXX on XX/XX/XXXX but it did not resolve the issue. Per the FDCPA it is scheduled to fall off my credit report in XXXX of XXXX, however it should have never been on my credit report at all. This account appears to have been opened around the same time that I was applying for home loans and bought my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: MO
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 sent a 3 certified letters XX/XX/2018 XXXX in regards to multiple inquiries that I did not consent to as well as late payments being reported. I contact each company directly in regards to the inquiries and late payments both stating they don't have my consent for the inquiries and they don't have records of me making late payments. My letters asked for the bureaus to properly investigate and remove the late payments and the inquiries that I did not authorize. I did not receive updated report or notifications with outcome within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I had taken some money out of my retirement account to purchase a lot for my son, The deal did not worked out, and the money was sitting in my checking account at XXXX  XXXX XXXX. A friend told me about crypto investing and Coinbase as the exchange of choice. I did a little research and on XX/XX/XXXX purchased my first XXXX token, Then on XX/XX/XXXX two more token for a grand total of {$7700.00}. According to Coinbase, the first payment was denied by my bank for insufficient funds. My bank statement shows payment for the 3 tokens to Coinbase and my wallet shows i do owe them as of today. The problem is a couple of days later, I tried to purchase some more tokens and now my account is restricted to trade, or to transfer my money out of this wallet. 
I e-mail customer services since they do not have live personal help to find out what the problem is and all i got was a genetic letter saying they are working on my problem. Since I do not owe money to Coinbase, i figured maybe they needed ID verification, so I tried to send my ID to them. The next e mail I recieved was and i quote " to explain my intended use of the account, why did i sign up with Coinbase, if some else knew about my account. " i tried to answer all the questions and received another mail saying they are working on it. I have been waiting for a month for them to lift the restriction or to provide me with a reason for it and a way to resolve it. I get nothing more than an e-mail saying they are working on it.

Out of frustration, I was going to cancel the account, but instead opted to transfer out of the Coinbase wallet. Well, I am restricted to do so. In other words, they have full control of my investment and the money it is generating.The value of my account at the present is {$11000.00}, I will like to transfer to another wallet and I need Coinbase to release its grip on my money asap. This Company have the worst customer support. We are
talking a month e-mailing back and forth and I am still in the dark not knowing why my account is restricted and I am unable to move the money out.

I want people to know about their bad business practice, luck of support and use of others people money to profit themselves.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-21
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Speedy cash has sent several emails trying to collect a debt that is not mine. I never received or requested money or took money from this company. I am receiving emails stating they will sue me for the amount of {$760.00}. The emails a So states they will make a report to my employer if money was not received by the end of the day. That they will confiscate my wages. Again, I never received loans through this company. The lad test email has a case # XXXX from a XXXX XXXX or XXXX XXXX from his email of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
After checking my credit report on XX/XX/2018, I noticed that there was an open collection wilth XXXX XXXX. This account was originally with XXXX  XXXX XXXX which I was a victim of Identity theft and it was removed from my credit report. I have not had any communication with this company and there has not been any communication notices made to me from this company to notify me that they were attempting to collect money from me. They have violated my consumer rights under the Fair Credit Reporting Act. Withholding Notices You are entitled to notices concerning the reporting, handling and use of your credit information. Notice violations under FCRA might occur when : a creditor fails to notify you when it supplies negative credit information to a CRA a creditor fails to notify you of your right to dispute inaccurate credit information or the validity of the debt. This account was disputed with XXXX XXXX XXXX and as soon as it was deleted from my credit report, XXXX XXXX purchased this debt, did not notify me in writing but simply placed this account on my credit without notification. I would like to file a complaint to have this incorrect reporting deleted from my credit report and have this company blocked from future reporting of this account. XXXX XXXX has performed unethical business practices.

Company response to consumer: Closed with explanation