BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
In order to verify this is my debt. I have sent a certified letters XXXX to Portfolio Recovery Associates, LLC Attn : Disputes XXXX  XXXX XXXX XXXX, VA XXXX asking for a copy of the original contract showing my signature and proof of charges with my signature. 

As of todays date they have not sent me any proof that I owe the debt, i.e. information showing my signature. 

They continue to call my phone number after I tell them DO NOT CALL and send the information requested.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I have been turned down living circumstances and other financial services because experian and XXXX XXXX XXXX all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm

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 2020-12-09
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
HI, the exchange Coinbase are restricted my account, without no reason, I can't buy/sell or withdraw any digital asset into a digital secure wallet, I can do nothing even try to delete my linked methode payment, to create a another one but everything is stuck, I try to check Identity with passeport, ID CARD, driver license every is fine but my account still restricted, many case was open but Coinbase support no response. 
many people have a same issue you can see on XXXX. Please can you help me ans everyone ha the same issue with coinbase? 
thank you Mr XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-21
Company: Experian Information Solutions 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:
Someone tried to apply for some things in my name

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 2019-06-15
Company: EQUIFAX, INC.
State: PA
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 called equifax to complain about them putting incorrect information on my credit report that I am disputing all or most of the 8 accounts that I have I called them on the XXXX of XXXX and today on the XXXX of XXXX and was told that they corrected everything on the XXXX but I was lied to about that and then today same thing all I want is to have the information that they put down corrected I wish you can give me advice on how to sue them and take legal action against them I want them to fix everything on my report or I will do everything I can to sue them they have messed up most of my accounts and now I have to call all of them and tell them I am not disputing anything please get them to fix this mess that they created

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Cfpb, contacted those involved, offer was given to us, we accepted, signed docs and later were told before loan servicer merged with other entity we werent qualified, XXXX was requested and proper tier bracket., XXXX XXXXXXXX has been involved since 2018 and felt that I should have legal representation due to the fraud of XXXX XXXX XXXX XXXX said to represent me with securitization audit and quiet title action, her third party letter of authorization was included but when she was contacted, she stated she never had an office in XXXX XXXX  XXXX and never heard of me or XXXX attorney services which was doing the work in XXXXXXXX XXXX XXXX XXXX XXXX, and is showing as an address I have as residence on credit report. Fraud was found by XXXX XXXX and XXXX was credited but effects of Wrong IRS amount XXXX and other put me wrong workout solution now merged with PHH. Conference call today scheduled today after furloughed due to XXXX and returning to work. A balloon payment was added after we were told we canceled the original XXXX offered. We did not cancel it. All is recorded by XXXX a approved HUD counseling agency. Needing to become current with XXXX gross income but IRS debt due from lack of represtation of XXXX not supplying the actual debt. XXXX legal was using XXXX attorney services while taking funds electronically out of by bank account. Other attorney foreclosure rescue scam for XXXX went to jail and left me hanging. XXXX XXXX and XXXX, fraudulent also

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I cant remember exactly how much because this was last year. I remember needing to take out more loans because I didnt have any money after paying them back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: Experian Information Solutions 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:
I'm having a hard time receiving a report from Experian. I have accounts open that report to Experian so I'm unsure as to why they are not reporting any accounts. They need to provide a score for me, I am in the process of trying to buy a home.

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 2021-10-13
Company: EQUIFAX, INC.
State: SC
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 submitted a request a request to EQUIFAX to have all fraudulent inquiries removed as well as inaccuracies investigated and reinvestigated on my credit report. I tried to correct these inaccuracies with EQUIFAX starting from XX/XX/2021 up until now. I submitted a complaint to their company through here on XX/XX/2021 only to receive notification that they didn't know who I am. So here is where I stand since. On XX/XX/2021. I have sent EQUIFAX a certified letter with all disputes I have sent off this year. I also sent an AFFIDAVIT OF TRUTH which has been notarized by a state representative official. I also invoiced them for many willful and negligent violations. This is causing grave harm to my character and reputation. My next step is to file in federal court. I have tried. The only new things I have attached is my AFFIDAVIT OF TRUTH, the invoice, and the certified letter receipt. They have everything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
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: Old information reappears or never goes away

Complaint:
I have been turned down living circumstances and other financial services because XXXX and XXXX XXXX eqifax all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
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: Old information reappears or never goes away

Complaint:
I have been turned down living circumstances and other financial services because XXXX and trans union XXXX all 3 agencies have been contacted to no avail. Information on reports is past the reporting periods even bankruptcy. 

They were told they could receive fines but just hang up. There are addresses that are not mine and names. 

Ive even paid agengies. But having a denial of a place to live is now causing me great personal harm

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 2021-06-24
Company: EQUIFAX, 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:
The following accounts doesn't belong to me, nor did I authorize these accounts I've also reported my identity being compromised. Therefore, the credit reporting agencies are in direct violation of reporting these unauthorized fraudulent accounts as facts. I'm asking for these accounts to be removed from my credit file. 

1 ) XXXX XXXX XXXX  {$200.00} 2 ) XXXX XXXX XXXX  {$2100.00} 3 ) XXXX XXXX XXXX {$760.00} 4 ) XXXX XXXX {$640.00} 5 ) XXXX XXXX XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: HW Holding, Inc
State: MD
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:
I contacted Hunter Warfield about this collection/debt. They stated that someone name XXXX XXXX used my social security number. They stated that I needed to file a police report so I did. They told me to fax the paperwork to them and they would investigate and clear my report. I haven't heard from them and its still on my credit report. 
The amount owed {$5100.00} on XX/XX/2016

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: Experian Information Solutions 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:
The customer is constantly falsely reporting my account as late or delinquent and everytime I dispute it they correct it but report it again negatively a month or two later ... this has been going on for the past year and a half and Im tired of it

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 2020-09-15
Company: DISCOVER BANK
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
iscover Financial Service XXXX has issued me a credit card 1 month ago. However, they refuse to allow me to use mobile payment. They have announced that the function of mobile payment is available with this credit card when I was applying for it. But they just declined to get me verified when I want to add it to my mobile wallet. Especially during this pandemic breakout, we should make full use of contactless payment methods to avoid any unnecessary contact as much as possible, which is also required by the government. However, I have been calling the verification team of Discover credit card for more than 1 month but they keep saying their system does not allow them to send me the text message of verification code, by which they can prove that I am me? The phone number I am using is the phone number I applied for their credit card with. I also have this phone number registered on their website. They keep letting me refer to the credit bureau or the cellphone service company. And I have confirmed with both of the two that my phone number is correct and under my name. But Discover keeps answering me the same things saying that my phone number is not under my name. And they decline to connect me to a Consumer Complaint Department or the IT Department to help me with this issue. That means, they approved my application but refused my using the card without any convincing reason. The supervisors, XXXX XXXX and XXXX XXXX XXXX XXXX have always let me call back and said there might be a solution in the future. But they said they do not know when I asked when it is going to be. This is a type of discrimination and I have called them for more than 100 times, which is really a big waste of time. I feel so frustrated and discriminated since everyone around me has no trouble in that process. This is discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I sent Experian my dispute with report number XXXX on XX/XX/2020which you received and investigated on. I have reason to believe that you conducted a reasonable investigation. therefore, I am invoking the Fair Credit Reporting Act Section 611 to ask that you provide me with the following information : 1. The date you contacted the creditor 2. The contact information for the creditor 3. The name of the person who verified the item to you 4. The method of communication you used to verify this information 5. Did the creditor provide you with my SSN, address, and Date of Birth? 

If this information can not be provided I request this accounts to be removed from my report due to my original dispute of inaccuracies reported on the accounts mentioned in this report.

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 2021-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
A credit card from the XXXX XXXX XXXX went to a charge off and collection on a {$300.00} credit limit card in 2017. It was reported as a charge off on experian and transunion and closed. 2 years later I paid the XXXX XXXX XXXX  XXXX XXXX credit card {$360.00} on a XXXX limit Which ten charged me {$420.00} in late fees which is absurd and should be a crime. So I just didnt think that was ok after I already paid {$62.00} in late fees on top of original XXXX limit. I am XXXX and have XXXX XXXX and surgeries throughout this ordeal with neurological problems. The bank was very confusing and social worker couldnt even get in touch with collection agency because they changed twice. So numerous times I disputed this info with experian and transunion explaining I paid them {$360.00} the past year so instead of changing status of credit account on report They allowed a new collection agency consumer adjustments to add a new collection account to both my reports from 3 years ago on a closed charged off account. This is ridiculous Im trying to get my score up and as soon as it goes up a bit they allow a collection put in my report from 3 years ago that was paid not on original debt and original late charges but for and additional {$360.00} in late fees unbelievable Im XXXX on XXXX its hard for me to follow all these deceptive ways these companies work

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 2019-06-15
Company: FIRST HORIZON BANK
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I opened an account with First TN Bank on XX/XX/2018 but after two months we attempted to contact the bank about why we hadn't received our statements. It turned out someone else 's address was listed as ours- someplace we had never even lived and our statements had been sent to them. We requested our statements and an investigation- we received neither. At that time it was XX/XX/XXXX and we were still living at XXXX XXXX XXXX XXXX in XXXX TN XXXX. We moved on XX/XX/XXXX to our current address and updated our address with the bank via a branch location in XXXX TN and with the post office. Almost immediately we began receiving advertisements, addressed to us, at our new address from the bank but still no statements. After several calls with the bank in early XXXX, including having to deal with XXXX using only incomplete online info as they STILL had not sent a statement I requested our statements. We receive large payments every couple of months and were concerned when there were regular unauthorized payments and account discrepancies. We received a XXXX statement and were assured the rest were on their way. I did not receive another statement until XXXX and now they come mostly regularly as we still have not received one for XXXX. We pay for our statements but due to our regular direct deposits the fee is waived but the bank seems to have decided to withhold our statements as they have demanded we now pay for paper statements, we are supposed to be receiving monthly as part of our XXXX account fee that is waived - along with our statement fee as we meet the direct deposit requirements. We are concerned a bank employee is making unauthorized access to our accounts and know the online info is not accurate as transactions are the wrong amounts- we verified with vendors wat they DID receive and some things are just missing. The bank is making every attempt to impede us even getting our monthly statements and I had already paid extra to get them once and never received them so I do not wish to again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I began my initial auto lease for a new vehicle XX/XX/XXXX and picked out a new car XX/XX/XXXX. I was informed that Nissan would pay the last two months ( XXXX and XXXX ), open balance on my Nissan Finance account as an incentive for the new purchase. My issue is, I had accelerated my payments over the past three years with a current balance of {$150.00}. 

In writing up the new sale, there was no provision for the actual {$540.00} to allow for the actual two months payments. 

I think Nissan should give me an allowance for the two months even though I met the payment obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Credit Bureau Dispute Affidavit XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, Ohio XXXX SS XXXX DOB XXXX I have noticed several unauthorized accounts on my credit report where someone has used my personal information to obtain multiple bogus accounts. These following accounts were created without my knowledge : XXXX  # XXXX, XXXX XXXX XXXX # XXXX I've requested documents from the companies mentioned above. I never received anything. 


All other addresses are not accurate. 
Please REMOVE/DELETE these addresses IMMEDIATELY : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX This is my only number XXXX ) XXXX All other telephone numbers are not accurate. 

Please REMOVE/DELETE these telephone numbers IMMEDIATELY : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-05-18
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Both XXXX and Navient are crooked. A ponzi group of schemers. XXXX XXXX in 2002 dismissed my wifes loan who is a XXXX XXXX. We filed a complaint to them and XXXX XXXX  investigated the u of XXXX Their findings. Were. That the u of XXXX were at fault. For improperly dismissing our son They dismissed our loan and told us that the u of XXXX was returning the loan money approved by XXXX XXXX president. And we are still being bothered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: NC
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:
The lender is incorrectly reporting that the account is Chapter XXXX dismissed and incorrectly reporting that the account is closed. We having been paying on this account for the past 4 years. The account was previously under a Chapter XXXX bankruptcy, however since mid 2017, we have been paying the account outright.

Company response to consumer: Closed with explanation