BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-09
Company: Park Hill Holdings
State: VA
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:
On XX/XX/2022, I entered into a residential Apartment Lease Contract with XXXX XXXX XXXX XXXX, XXXX, a/k/a XXXX XXXX XXXX  ( XXXX XXXX XXXX ) ( the " Lease Agreement '' ). 

Paragraph 8 " Insurance '' of the Lease Agreement states in part, " We [ X ] do not require you to obtain your own renter 's insurance in order to protect you and your household and your guests or invitees from any losses to personal property and/or to personal injury proximately caused by any occurrences or incidents ... '' Paragraph 8 does require the " purchase ( of ) personal liability insurance '' on behalf of the Owner. 

A separate Lease Addendum specifies that personal liability insurance in the amount of {$100000.00} is required under the Lease Agreement and grants permission the Owner 's vendor to monitor compliance with the personal liability insurance requirement. 

On XX/XX/2022, I forwarded my Evidence of Insurance for renter 's insurance with XXXX to Owner 's agent - " XXXX '' - including proof of the {$100000.00} Personal Liability coverage and the receipt indicating the the annual premium was paid in full. ( see attached ). 

On XX/XX/2022, I received a response claiming that my renter 's insurance was " not verified '' because the policy did not reference a third party vendor, " Safe Rent, '' as an Additional Interested Party on my policy ( see attached ). 

I responded that same day stating that " Safe Rent '' is not named anywhere in the Lease Agreement and requested verification of their claims regarding my renter 's insurance policy. ( see attached ) On XX/XX/2022, I received the attached email from " Safe Rent Solutions '' stating that I would be charged a {$50.00} " non-compliance fee '' for not purchasing an insurance policy through Safe Rent or adding Safe Rent to my XXXX renter 's policy. 

I have revoked all permission for " Safe Rent '' to contact me. I have complied with all terms of the Lease Agreement, including furnishing proof of Personal Liability Coverage through XXXX with the annual premium paid through XXXX XXXX do not believe the Lease Agreement requires me to add a Credit Reporting Agency to my policy of insurance.

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 2022-01-09
Company: Bread Financial Holdings, Inc.
State: IN
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:
This company has tried to collect a debt that I did not open. They have failed to provide me proof that this debt is mine therefore committing fraud. I am prepared to take all legal action against this company and hold them accountable for falsely hurting my credit and threatening to sue without legally providing me info that I have requested in a timely manner.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-22
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XX/XX/2020 an derogatory account was reported for the amount of 21. I'm filing a claim under FCRA Section 611 ( a ) ( 1 ) ( A ). I'm in desperate need of this account being removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My Coinbase account has been locked out for over a month now. At one point I transferred over {$5000.00} from coinbase to XXXX. I tried to switch the bank account from my checking to my savings on Coinbase and at that point it would not let me re-add a bank account and it locked my XXXX account as well ( features of my Coinbase account are also locked ). I was invested in XXXX and the amount to which is now in there is much greater than my initial investment. I have called and submitted XXXX tickets and I can never get a clear answer as to why it was locked and when it will be unlocked. Tax time is coming up and I am concerned if nothing is done I will not know how much I have made off my investment. 

My Coinbase case numbers are XXXX and XXXX ( this XXXX created on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
45 days ago, on the XXXX of XXXX I sent in some letters asking for the procedure in which some incorrect items were verified on my credit report, and I have yet to get a response. I feel like I'm being taken advantage of and will file for litigation if I have to. Thanks for your help.

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 2022-03-09
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:
Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Equifax with regards to this issue and I have not received any response from them until this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
Champion Mortgage Insurance Dept XXXX. XXXX XXXX XXXX XXXX, TX. XXXXXX/XX/XXXX COMPANY OBTAINED INSURANCE POLICY FOR ME WITHOUT MY INSTRUCTION TO DO SO. 
My condo insurance master policy covers my insurance requirements and our insurance agency faxed the insurance policy information to Champion on 3 dates last time was XXXX. 

they are charging my account {$690.00} for a policy they obtained and if not paid I would be in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Northland Group Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Northland group sent me a letter attempting to collect a debt. I sent a debt validation letter that they received on XX/XX/XXXX,2017 asking them to validate the debt. Legal debt validation is a complete payment history, an agreement that bares my signature, letter of sale or assignment from original creditor to their company, a signed agreement that bares my signature with authority to collect on this debt, information relating to the purchase of this debt is not proprietary or burdensome. Under FDCPA section 809 ( b ) Northland Group is not allowed to pursue collection activity until debt is validated. Courts ruled that reporting a collection account indeed is considered activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-18
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted.I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: EQUIFAX, INC.
State: TX
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:
This letter is to inform you that Equifax has failed to vaildate and correct agencies validation that are being reported on my credit report. I have sent certified letters to Equifax in XXXX XXXX and I have spoken with several agents that can not give me the physical information that they received to validate these companies that are wrongfully reporting inaccurate information. Several of these companies are not bonded by the State of Texas to condurct third party collection and the other company can not validate services rendered, my physical signature, picture identification or a signed contract between myself and the compnay reporting. 
Due to the HIPPA law there is no way that the Equifax verfied these : XXXX XXXX XXXX $ XXXX Not my debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX Not Contract/Not accurate information reported XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX Services {$500.00} & $ XXXX No Contract/Not my debt/Can not verify accuracy I have been a victim of identity theft and I have the fraud alert on my credit report for serveral years now. The statement of the company gave a matching social  security can not validate the account if my social security number has been compromised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-09
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: Account status incorrect

Complaint:
I have already sent a request for the immediate removal of the accounts this XX/XX/XXXX but the accounts listed below are still reporting on my credit report and are violating the Federal Law. The Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared and still continues on reporting unconfirmed information. Please remove the following accounts completely from my Credit Report. 

XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$50.00} XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$60.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/XXXX Balance Owed : {$20.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX payment to XXXX XXXX XXXX debit - {$130.00} {$7000.00} Called the bank, advised them my fb account was hacked, payment was made, IT WAS NOT authorized. 

First call that i have made and spoke with customer service was dropped by representative as i was advised that she works from hone and has bad connection. Case was created and closed against me. No resolution. 

Same day made another phone conversation new case was created, supposedly researched and this is the response i received below. 
Dear XXXX XXXX : We completed our research for the transaction ( s ) you reported on XX/XX/2022. 
Here 's what you should know We found that the transaction ( s ) was processed according to the information you provided or was authorized. 
No adjustment will be made to your account at this time. 
Contact us if you would like to request the information we used for our research. 


IT WAS NOT! This is fraud! I work hard for y money and I want it back! 

I have also been transferred to fraud department to speak about way of how i can protect my account, after 10 minute waiting on the line the call was dropped again. 

I want my money back, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Professional Recovery Management
State: TN
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 XXXX XXXX XXXX  accounts are still showing on my XXXX  credit report. They have been removed from XXXX and XXXX per the agreement made should I pay owed amount in full under the understanding i was never made aware of debt and given a chance to respond before it was sent to collections. XXXX has yet to remove them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
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:
On XX/XX/XXXX I submitted enclosed notarized copy to each credit bureau XXXX, XXXX, Equifax requesting immediate removal of fraudulent accounts reported on my consumer credit report file. 30 + days later these accounts are still reporting to my credit. Surely it doesnt take 30+ days for verification of these accounts all of these accounts were fraudulent opened online. Please do your due diligence and you will see that the original address for all these accounts were a fraudulent address. I had a private investigator to research the address of XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX Please see my second request letter enclosed ( attachment ). I'm requesting the credit bureaus either show me proof of a signed credit application where I open these accounts or remove off my credit file immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
My name is XXXX XXXX I made a complaint a few weeks ago, because chase Bank branch XXXX XXXX, didnt pay a check I deposited into my account, I was helping a co worker who need to cash her check asap, I paid the money to XXXX from my pocket. 
Someone with the name of XX/XX/XXXXfrom executive office I believe! Her number is XXXX XXXX ext XXXX She said to me, she will fix the problem! Im still waiting to returned the money to the company who make the check, so this company will reimburse me with another check!. 
Please contact me if you need more information about this matter, the owner of the company already spoke in person with the manager branch in the XXXX! Give a letter the manager requested to start the process to get the money back and so far nothing is happening! 
Any other question please call my cellphone XXXX XXXX XXXX Tha owner of the company who wrote the check his name is XXXX XXXX his number is XXXX XXXX XXXX. 
Chase bank XXXX XXXX XXXX Account number checking : XXXX Account number savings : XXXX Branch XXXX Phone number XXXX XXXX Held checks : Paycheck {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Experian Information Solutions Inc.
State: GA
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:
Saturday XXXX, XXXX, XXXX I received a piece of mail with a return address in XXXX, TX. It looked like junk mail, and I had moved last year from that area of Texas. I opened it without notice that it was not addressed to me. Inside was an Experian credit freeze report XXXX on a XXXX XXXX XXXX XXXX. I have owned this home since XXXX XXXX, and moved in XXXX XXXX. I had never heard of this man. I felt bad for opening it and decided to call Experian. However the phone number on their report was automated with no way to reach a human. I listened to the recordings and determined that in order for XXXX XXXX to have received such a report, he had to have committed FRAUD using MY address. I then began to look into who he was, a convicted FELON with multiple counts of theft and drugs dating back 20 years! I showed his tattooed photo to neighbors who confirmed he once rented the home where I now live. So, on Monday, XXXX XXXX, I sent a letter to Experian which included information on two issues I had with ID theft locally from XXXX and XXXX of this year and in the process learned someone had opened a PO Box in my name in XXXX. My letter to Experian included a recent bill with my name at my address. There is a police report in XXXX XXXX, GA XXXX and they were notified as well. The answer I received from Experian was STUNNING! They claimed I was NOT authorized to give them the information on XXXX XXXX likely FRAUD using MY address! I then contacted them on XXXX directing them to county property records that proved my ownership and was told the problem was with the MAIL service! I then contacted your bureau asking for a mail copy of a complaint form that never came. Anyone paying attention?

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 2022-03-09
Company: EQUIFAX, INC.
State: MI
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 been reaching out to Equifax, asking them to provide me legal documents that certify that they have investigated my concerned accounts lawfully. Nevertheless, my request has been neglected. I haven't heard any response from Equifax and it made me lose my patience. As stated in Fair Credit Reporting Act, 15 USC Sections 1681i, they are in need to comply with their client 's request and send their response within the given time provided and approved by the law. Moreover, failure to verify, comply, and respond should result in the removal of the accounts in question. Below, are the accounts they failed to verify : XXXXXXXX XXXX XXXXXXXX Balance : {$580.00} XXXX XXXX Balance : {$3600.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XXXX Balance : {$16000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: EQUIFAX, 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 am writing to you to let it be known that there are accounts in my report that were unverifiable, incorrect and inaccurate. According to Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, you are obligated by federal law to verify any and all accounts that you place on my credit report by physically verifying the original signed consumer contract. I will enclosed the previous letter as proof that I sent here for complaints and you are reporting those account as not disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Approximately XX/XX/XXXXmy son attended XXXX College. One of his loans which is a private loan through XXXX XXXX is under my name. Payments were automatically withdrawn from my account on a monthly basis. In XXXX I tried to get my account balance online but I was denied entry. I called XXXX XXXX with negative results everyone I spoke to had no information on a student loan I was paying every month. A representative at XXXX XXXX told me that my loan was with Navient but with recent research and bank statements it 's only clear that XXXX XXXX is the agency named on my bank statements in regards to monthly withdraws. Since I was unable to get any information on my student loan balance I decided to stop the monthly withdrawals XX/XX/XXXX from being taken from my account thinking that someone would contact me about my payments. Well it 's been a year and no one from XXXX XXXX has contacted me about a payment, I find this very odd and disturbing. I would like some information about my student loan account payments. Is there still a balance? If so why are n't they asking for payments? Has my account been satisfied? If so when was it satisfied and why was n't I informed? If I do n't receive any information about my account I will be forced to turn this matter over to my attorney.

Company response to consumer: Closed with explanation