BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-09
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: Account information incorrect

Complaint:
I 've been battling with XXXX XXXX Bank since XXXX XXXX, pertaining to a Home Equity Line of Credit. This account was mishandled by XXXX XXXX Bank, subsequently XXXX XXXX Bank agreed they would not attempt to collect any funds for this account and they released any liens against me an my wife pertaining to this account, however XXXX XXXX Bank continued to report a past due balance on my credit reports and my wife 's credit reports for almost XXXX year. My wife and I contacted the Credit Bureaus multiple times to remove the incorrect information. XXXX XXXX removed the incorrect information, however XXXX and Equifax have continued to report incorrect information on our credit reports, this has been extremely stressful, extremely time consuming and has drastically effected both of our credit profiles. XXXX XXXX Bank 's callous disregard for providing accurate information to XXXX  and Equifax is truly egregious and XXXX and Equifax 's unwillingness to correct XXXX remove the false information from our credit reports has been extremely frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a letter in the mail on XX/XX/2020 from FCO ( fair collection & Outsourcing ) attempting to collect a debt for the amount of XXXX. The creditor name is XXXX XXXX At XXXX XXXX  I called the number shown on the letter and explained to the representative that the collection to this noticed isnt mine. I told him I have never signed no lease with this company or lived at these apartments. I have my supporting documents of my utility bill, lease, and proof of identity. He was really rude on the phone and stated that I had to make a report before being taken off collection. Which is the reason why Im here making a 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 2022-03-04
Company: Shellpoint Partners, LLC
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This mortgage was in forbearance due to COVID 19. When my financial hardship ended and at the end of the forbearance period, this company refused to offer any kind of work out solution other than pay back all the missed payments. I have called them more than XXXX times and sent them ( at their request ) over XXXX pages of documents. They never return my calls. I resumed sending them monthly payments, which they refused. Their latest letter says among other things, " we have the right to invoke foreclosure based upon the terms of your mortgage contract ''. And, " We were unable to complete the evaluation of your loan because we did not receive all of the required documents. '' I've have sent them the all the documents they have ever requested many multiple times by way of email and regular mail. I can't decide if they are trying to steal my house, or are just totally incompetent. I have attempted to refinance the property through a different more competent lending institution. However, since they have been reporting me late to the credit agencies, my credit score has dropped 100 points and now I'm not able to get a new loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: Coinbase, Inc.
State: UT
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
- My password did n't work on coinbase so I clicked 'Forgot Password ' - It send you to a page and says, " enter your email and we will send an email with recovery steps. 
- This is what I get : For security reasons, we are unable to reset your password. Please request a password reset from a browser or device you have previously used to access Coinbase. 
- I did use my device. So it sends me in a loop - So there is no way to reach them and they have XXXX of my money. This is insane! 

Here is what they say below and when you use the contact @ coinbase, you get an email that says The XXXXXXXXXXXX email address is no longer monitored. 
XXXX For more information on why this is necessary, please see our help doc. 

If you did not request your password to be reset or you are unable to reset your password from a previously used device, please contact XXXXXXXXXXXX. 


Re : Why are you not responding to me after 9 days. Please help! 

Coinbase XXXX XXXX XXXX, XXXX XXXX PDT The XXXXXXXXXXXX email address is no longer monitored. 

The Coinbase Support team will ONLY be able to respond if you submit a request via our support portal : XXXX XXXX XXXX  Please use the email address that you use to log in to Coinbase, select the appropriate category, and include as much detail as possible when submitting your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I bank with Chase bank. On XXXX/XXXX/XXXX, money from my savings was moved to my checking account, and via a feature offered by Chase XXXX XXXX XXXX, {$2000.00} was paid out to an unknown person. The next morning when I noticed this was done, I called Chase and they attempted to reverse the payment, which failed, and was unable to get my money back. I filed a claim with Chase, and they credited my money back while they investigated. During this time I had closed all my accounts, changed my online bank name and passwords, and opened new accounts. About XXXX months later the {$2000.00} was removed from my account, and on a follow up call they had notified me that the claim was denied, stating that because the transaction was done on the mobile device I typically use, they do not have enough evidence to prove it is a fraudulent activity. I had filed a complaint with XXXX and have not followed up on this until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-04
Company: Experian Information Solutions Inc.
State: IL
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/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands of the wrong person.

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 2018-01-23
Company: Experian Information Solutions Inc.
State: WA
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:
Experian is not allowing consumers to access their own credit report. They are keeping it locked up unless you pay money, you can not even dispute, contact and agent, or anything. They do not respond.

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 2017-11-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Consumer background check was requested. Upon review a name other than my own was shown to on the report. Everything was identical to my information other than the first name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-28
Company: Atlantic Recovery Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I receive calls from this company almost every day, day and night to the point of harassment. The calls are on both my work and mobile number and have I repeatedly asked not to be called. I was told they will harass my family members until the debt is paid. I was called " XXXX face '' and " XXXX '' by two of their agents. Told a XXXX year old should be embarrassed about having a debt like this. I really do n't know what the debt is and have asked for information in writing which has not been forthcoming. Some of the people who have called are ; XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and there are others who do not give names.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have repeatedly asked that this incorrect information be deleted from my credit report. I have asked for the original contracts with my signature to verify these loans be delivered to me but I have not received anything! I submitted a complaint and got a status report with a first name different than mine. XXXX XXXX. 

I would like these accounts that are over XXXX XXXX XXXX to be removed from my credit report ASAP OR I WILL BE SUING XXXX. I HAVE ALSO ASKED THE CREDIT BUREAU TO REMOVE THE ADDRESS OF XXXX XXXX XXXX BECAUSE IT HAS NOT BEEN MY ADDRESS FOR OVER 3 YEARS AND THEY WILL NOT. 
I AM FED UP WITH HAVING THIS INCORRECT REPORTING ON MY CREDIT FILE. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$36000.00} Status Open/Never late. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$40000.00} Status Open/Never late.

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 2017-11-09
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I am submitting documents to show proof of error reporting on my Experian credit report. This is directly from FICO report purchased on XX/XX/XXXX. As you can see my student loan shows paid on time on my XXXX and XXXX report but Experian is showing 150 days late. Also Experian is showing a paid collection that has been deleted from XXXX and XXXX reports. I was denied credit today due to these two inaccuracies. I truly believe Experian is not investigating these disputes because it shows last activity of no date where equifax shows last activity dates of XX/XX/XXXX and XX/XX/XXXX. 
The last complaint I filed they referred to a mortgage and I do n't have a mortgage and never have. It just seems like they keep making excuses not to really investigate these inaccuracies.

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 2022-03-04
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:
I have repeatedly asked that this incorrect information be deleted from my credit report. I have asked for the original contracts with my signature to verify these loans be delivered to me but I have not received anything! I submitted a complaint and got a status report with a first name different than mine. XXXX XXXX. 

I would like these accounts that are over XXXX XXXX XXXX to be removed from my credit report ASAP OR I WILL BE SUING XXXX. I HAVE ALSO ASKED THE CREDIT BUREAU TO REMOVE THE ADDRESS OF XXXX XXXX XXXX BECAUSE IT HAS NOT BEEN MY ADDRESS FOR OVER 3 YEARS AND THEY WILL NOT. 
I AM FED UP WITH HAVING THIS INCORRECT REPORTING ON MY CREDIT FILE. 


XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$36000.00} Status Open/Never late. 
XXXX XXXX XXXX Under dispute Date opened XX/XX/2015 Balance {$40000.00} Status Open/Never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: Paypal Holdings, Inc
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My current Paypal debit card was set to expire XX/XX/2022 and I received a new debit card as a replacement. On XX/XX/2022, I attempted to activate the new card via phone and online, but was unsuccessful. I called customer service rep was informed that I need to authenticate my identity. I supplied Paypal, via secure link, a copy of my drivers license, social security card and a current utility bill. Upon call back on XX/XX/2022, Paypal advised the social security number on their file did not match the social security card I supplied them. The rep advised the matter would be assign to a XXXX. I called again XX/XX/2022 and was informed by Paypal that they could not correct my social security number as evident by the card supplied them, and as such I needed to discontinue direct deposit. 
Paypal has a copy of my driver license ; a copy of my signed social security card wherein both the signature of driver 's license and social security match, and a copy of my current address.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2018-07-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In mid XX/XX/XXXX, I contacted Navient to ask about a XXXX waiver on the student loans on which I was a cosigner. On the XXXX, I received a letter of instruction on to apply for " Navient private student loan '' XXXX waiver. On XX/XX/XXXX I submitted the Navient Private Loan Total ans XXXX XXXX Request form along with 60 pages of supporting documents. I received an " upload successful '' message. On XX/XX/XXXX I received a letter dated XX/XX/XXXX from the Office of the Cosumer Advocate stated that " this review is not available for cosigners ''. I called on XXXX and left a message because I had questions. I then called 10 more times before the advocate called me on XX/XX/XXXX. At that time I was told " I didn't qualify because this was a private loan and only federally subsidized loans would qualify for a XXXX waiver ". The letter on XX/XX/XXXX reads Navient Private Loan, the form to request a XXXX waiver reads Navient Private Loan. Navient just changed the reason each time. I then asked for all the original loan documents along with Navient 's cosigner XXXX waiver documentation or any documentation about my repayment rights as a cosigner. On XX/XX/XXXX U received the loans documents but no information about my rights as a cosigner. I have also called the XXXX department but after leaving 10 messages I have received no response. The reason I have applied for a XXXX waiver is that my daughter XXXX can not make her payments so as a cosigner I am now responsible to make the payments. My other XXXX daughters have submitted requests to release me as a cosigner multiple times ( XXXX has submitted the paperwork 4 times ) Even though they have met the requirement of making 12 consecutive on time payments, Navient has denied their requests.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-09
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To the best of my knowledge, Credit Protection Association ( CPA ) began reporting a collection for XXXX, in the amount of {$290.00}, around XXXX 2017. XXXX took over from XXXX and believe you me, it was all downhill from there. Their customer service, billing, and other representatives would have to work their way up to become incompetent. Nonetheless, since I have no knowledge of this debt, I have disputed it via the individual reporting agencies ( XXXX, XXXX, XXXX ). CPA has verified the account to each, so it remains on my credit reports. I have yet to receive anything to validate the debt, so I am still unsure if it is even legitimately mine. Since they wo n't remove it through the reporting bureaus, I 'm not sure how else to get it done, other than to report it here.

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 2022-03-04
Company: EQUIFAX, INC.
State: AZ
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:
Please be advised that I recently pulled a credit report. Please note that this letter should be used as confirmation that I hereby Opt out and do not wish to resolve disputes through arbitration. 
I repeat that I reject the arbitration clause in the Interactive Service Agreement. 

Please be advised that I also Opt out Pursuant to 15 U.S. Code 6802 A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. FAILURE TO DISCLOSE. 

Thank you for responsibility noting my account This letter is a formal complaint that you are reporting inaccurate credit information. I am very distressed you have included the below information in my credit profile, due to its damaging effects on my good credit standing. Because of the mistakes on my credit report, I have been wrongfully denied credit recently. I am wondering why you are reporting that I was late I am in dispute of the information listed since XX/XX/2022 VIA Telephone and Text Message with XXXX XXXX. XXXX XXXX has taken upon themselves to not verify the alleged debt, I have gotten word that the alleged debt has never been verified by any party. This is the second Cease and Desist that you have failed to comply with. you will forfeit all claims and titles.Pursuant to 15 USC 1641 ( c ) I rescind the transaction and demand refund all monies in account. Cease and Desists all activity and remove from credit file immediately. I will upload an W-9 for tax purposes on the account in questioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX, I sent transunion a letter asking them to conduct an investigation to verify that the information they are reporting on my reports is 100 % accurate, I received a letter dated XX/XX/XXXX stating that everything was verified accurate. 
On XX/XX/XXXX, I sent a follow up letter to transition pointing out exactly what they are reporting inaccurately on my report- they are reporting a collection account as an open account. I then received a letter dated XX/XX/XXXX with no update stating that the account was verified as accurate. 
On XX/XX/XXXX, I sent a follow up letter to transition pointing out exactly what they are reporting inaccurately on my report- they are reporting a collection account with a past due balance. However, they have not replied to my factual dispute and continue to report this inaccurate account on my report. 

This inaccuracy they continue to report on my reports has prevented me from obtaining credit and is causing me serious pain and suffering. 

I demand that they delete this account from my report immediately.

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 2018-07-19
Company: HireRight Solutions, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX XXXX ( recruiting ) They got on my DAC Report discharged .Falsified Employment application.Idid not work for this company, XXXX XXXX XXXX Also said the same thing Discharged Fasified application, also did not work for this company.

Company response to consumer: Closed with explanation