BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-20
Company: Experian Information Solutions Inc.
State: MA
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 new issue I have with the Credit Bureaus ' is the following. 
1 : The previous home address was XXXX XXXX XXXX XXXX XXXX MA XXXX. 
The credit agencies report XXXX XXXX XXXX XXXX - This has been corrected by me multiple times. The problem was the developer of the new condo association and the Post Office were in disagreement over the numbering system for the new complex. 
It was decided in XXXX, that the address will be XXXX XXXX XXXX XXXX XXXX MA XXXX. 
2 : My parents address, keeps showing up on my credit reports XXXX XXXX XXXX XXXX, XXXX MA- Every time I try to get it deleted ; it is put right back on the reports in a month. 
3 : My Middle Initials should be in capital letters- ( XXXX ) not XXXX- This problem persists even after I have sent the official US passport info with the correct captilaized initials. 

4 : I have attached to this report- XXXX report showing the changing of dates for profit/loss dates. They do not correspond to the charge dates. As you can see from my previous complaints about the XXXX accounts. 
The XXXX accounts are held by the their subsidiary - XXXX XXXX XXXX ( XXXX ) located in XXXX MA. 
These issues with XXXX have been on going, as I have shown the CFPB investigators over the past several years. 
I will be speaking to local law enforcement officials in XXXX MA this week over this matter.This issue with the accounts being manipulated in the manner they have manipulated has been going on for so long that it must an individual at XXXX who is manipulating the accounts. It is unlikely it is random- The name that shows up at XXXX is the following : XXXX XXXX XXXX In my letters to the CFPB officials ; and through the my Federal civil case against XXXX it has been confirmed that there has been " third party '' in not only harassing me through credit reports but to also harm financial stability of my companies located in Massachusetts XXXX 

In process are detailed letters to the CFPB through regular US mail ; detailing " Control Fraud initiated and executed by XXXX XXXX executives '' CFPB investigators will need to move quickly on getting warrants for arrest for XXXX XXXX, Senior, XXXX XXXX XXXX ; XXXX XXXX. XXXX and XXXX 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 non-monetary relief
Consumer complaint received 2019-06-09
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: Problem getting your free annual credit report

Complaint:
Equifax not following the federal mandate to provide a free annual credit report. 
Equifax suffered a security hack a few years ago and since then, I have not been able to obtain via their website, a free report. Unable to obtain in XXXX, XXXX and now in XXXX. 
How is this Equifax company still allowed to be part of the XXXX XXXX XXXX program? The website won't provide an online report but rather says you must request in writing and provide 2 proof of identity. This is three years in a row. Why would I trust sending you identity verification & a written request that has security info on it to you via mail? As a company, you already had security issues but are now requesting that a consumer must provide a paper request with verification? 
How long does it take for a company to fix security issues? I feel that this company should be eliminated from the free XXXX XXXX XXXX  program. The other two, XXXX and XXXX   are providing reports via the internet without issues. 
Equifax does not deserve to remain a qualified credit reporting company and certainly does not qualify to work with any government mandated requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
Company: National Credit Adjusters, LLC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Security Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Called company and Equifax explained to them that Ive never had an account with them and Ive never lived at XXXX XXXX XXXX XXXX XXXX OH. 
Ive filed identity theft reporr with the ftc Neither can verify my signature on any document

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I was locked out of my account on Coinbase in XX/XX/2021. I contacted them and they said to create a new account with a different email address. I did and they said they would transfer my stocks to the new account. I have contacted them several times since creating the new account and I haven't gotten any additional responses. They are also still taking money out of my checking account for a some of the stocks. I haven't been able to add to purchase more stocks, sell or trade my stocks. I may be losing money or gaining money, but I don't know.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-03
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Unauthorized/unnecessary credit pull : I received a notification from PNC in XX/XX/2021 that they pulled my XXXX credit report on XX/XX/2021 and subsequently denied my loan application due to the application being incomplete. First, I did not authorize the credit pull on XX/XX/2021. Second, if PNC was going to deny my application due to the application being incomplete, this credit pull was unnecessary. This hard inquiry had an adverse impact on my credit score and will increase the interest rate charged ( and therefore cost of the loan ) when opening a new credit/loan product. I am also concerned with what the information is being used for, why it was collected, and where it is being stored considering PNC was not planning on closing on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a debt for going to the emergency department after a fall down some bleachers. They add the account to my credit report not once but twice and I reported it once or twice and the debt isnt being resolved. They have been adding XXXX x2 for the same collection twice. The first time they added the debt it was correct but they added interest fees and reported it to my credit a second time. They are hurting my credit every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
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: Investigation took more than 30 days

Complaint:
I have sent multiple letters of dispute over the course of 4 months dated XX/XX/21, XX/XX/21 and XX/XX/21. I have yet to receive an investigation, response, or any type of communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am filing a complaint in regards to a couple of letters that I send out to the credit bureau in which they are reporting an account that is being illegally reported on my credit report. After formally disputing it directly with XXXX XXXX XXXX XXXX in regards to their illegal reporting, and have not received any satisfactory report. This is why I am filing my complaint after Transunion claim to have verified information after I have send them a letter certified with tracking number XXXX. Transunion is reporting several UNPROVEN TO BE COMPLIANT much less TRUE, complete and accurate allegations of Accounts that appear to be not in lawful compliance to reporting regulations or elsewise improperly reported and transferred by other lender/services on the report. I understand my rights and so I have served written notice of my consumer demand checking for federally required proof of compliance even to the Metro 2 Compliance rules. The Fair Credit Reporting Act dictates that every single one even each any and all of the loans in question were or were not handled properly when they were transferred.

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 2023-11-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I viewed my credit report and seen that I received a late payment notice, this information is false. All payments have been made on time, this is affecting my credit report/score and pushing me further back with things that I would like to accomplish.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: MO
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 2021-09-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-16
Company: DISCOVER BANK
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Cfpb : discover recently sent a bill, after a call stating payment was need payment was made but agent didn't state that a XXXX interest charge was include that should have been liable to the negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-23
Company: LoanCare, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a mortgage loan with Customer Service Inquiries and  Payments LoanCare ( XXXX ) Attn : Customer Service XXXX XXXX   XXXX XXXX  XXXX, VA XXXX Telephone : XXXX Fax : XXXX Monday - Friday XXXX XXXX. XXXX XXXX. ET Saturday XXXX XXXX. XXXX XXXX. ET. 

I was in forbearance and after I applied for deferred balance, they put it and the end of loan. I continue doing my monthly payments. Now that interest rates are lower, I try to refinance but the new company asked me to pay for deferred balance in order to qualified me. I have called LoanCare and I explained that I would like to pay my deferred balance because I'm going to refinance with a lower interest rate. They said '' I can't pay my deferred balance because the deferred was processed and move it to the end of my loan, that I have to pay all my loan in order to pay the deferred balance ''. I asked them if they can refinance my loan and they said, ''LoanCare do not refinance loans, I was told. '' I have spoken with them several times, and one of those calls, the new company that I'm trying to refinance called them in 3 lines call as well and explained them that  was unfair that they are doing this to me, and asked them to find a Soluciones for me but so far, they are not willing to help me. LoanCare company never told me that if I applied for deferred the only way to pay it off it was going to be until I pay all my loan first and that will be a problem if I would like some day to refinance. I was not aware of that. If I was aware, I will never do something like that. Now I'm so frustrated that I'm locked in to that company with that high rate because they do not let me pay my deferred balance.

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 2017-12-20
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I was putting in my credit card information online for a room at the XXXX for XXXX XXXX ( in 6 days ) when I saw the offer for the XXXX XXXX XXXX Credit Card in which it showed the following offer : {$100.00} Price for Stay - {$100.00} Statement credit = {$5.00} *Total after statement credit. 
*Price for stay and statement credit may post on separate statements After inputting my information, A window popped up stating, You have been approved for a {$15000.00} credit limit and You will receive your card in 7-10 business days. Because the offer implied that If approved for the card, I would be able to pay for the room on the card and then after the first statement, I would receive {$100.00} credit. Now, it appeared that I could not actually book the room with the card. I immediately called XXXX and after explaining the situation and waiting on hold several times, I was told, This is not through XXXX, it is through Chase and I was given 2 separate phone numbers to try ( XXXX and XXXX ) after attempting to speak to a person on the first number and being disconnected because I couldnt provide a card number, I was able to speak with someone at the second number. After hearing my situation and consulting her supervisor, she was apologetic, but told me that, while the credit card was through Chase, the actual offer was through XXXX and I would have to call them back. I called back the XXXX number ( XXXX ), where the agent put me on hold for 1-2 minutes while she looked into this. The next person who picked up the phone told me that I had been transferred to Chase credit card services ( who I had just hung up with ). After almost 2 hours of explaining the situation to customer service and supervisors at both XXXX and Chase, I was told that I would receive a call from an Escalation Agent within 24 hours. This morning I received a phone call from XXXX at Chase Apply by phone escalation team at XXXX XXXX XXXX ). XXXX told me that the room needed to be in my cart in order to receive the offer. When I explained that I was in the process of paying for the room ( entering my XXXX XXXX XXXX card number ), therefore the room was obviously already in the cart when I clicked to apply for the card. She then told me that the math is just for illustration purposes, showing what you could save if you used the card to pay for the room. She was sorry, but my card would arrive within 2 weeks. I told her that this felt like false advertising and that I had been tricked into applying for a credit card ( and whatever associated decrease in my credit score for applying ) which was now useless to me. 
She said she was sorry and asked if there was anything else she could help me with. I told her that I would be reporting this fraudulent advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Experian Information Solutions 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:
This is my 13th 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 items 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 XXXXXXXX, GA XXXX, XXXX XXXX XXXX Balance : {$600.00}, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XXXX XXXXXXXX Balance : {$2100.00}, 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 2021-04-09
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
Hi I am a victim of Identity theft and when going over my credit reports from all 3 credit bureaus I dont see the complete account number listed,? There shoukd not be XXXX at the end. I need to see the complete acct number.

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 2023-11-28
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This fraudulent company CREDENCE RESOURCE MANA has flagged my account as Collections on XX/XX/2023. 

Source : XXXX, XXXX and XXXX XXXX : CREDENCE RESOURCE MANA Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Activity : XXXX XXXX XXXX ( Collections ) Balance Date : XX/XX/2023 Balance : {$170.00} I have never done business with this company before nor do I owe this company any money. Any debt that I would have incurred over 10 years and have way passed the status of limitation. I have not gone out and done business with any new company for 10 years so I know I do not owe any debt. 
I have never gotten a letter from this company or a phone call. But this company received my information through fraudulent means and has sent information to all three credit bureaus stating that I owe them money. 
This company is violating my rights and putting out information to the public that is inaccurate and misleading. This is definitely a scam, a fraud, and a way to get me to pay them money for something that I do not owe. 
My credit report and score have been greatly impacted by this erroneous information and has made me lose opportunities because of this fraudulent information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received an alert XX/XX/2021 of a derogatory account was listed on my credit report. Was removed by XXXX and XXXX immediately as it was an account deleted previously last year after company could not verify debt. Contacted company 3 times via certified mail after violation of FDCPA of not notifying right to dispute. Company refuses to provide documentation to verify debt by law or remove debt in accordance with FDCPA. 3 certified letters : XX/XX/2021 : USPS XXXX ; XX/XX/2021 : USPS XXXX and XX/XX/2021 : USPS XXXX

Company response to consumer: Closed with explanation