BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: AL
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 demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. US DEPT VETS - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX ) - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 1. XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 4. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 7. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 9. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 11. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 12. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 13. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 14. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 15. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 16. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 17. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 18. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 19. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 20. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 21. XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 22. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 23. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 24. XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: Experian Information Solutions 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 THE DISPUTE LETTERS ON XXXX, AND XXXX. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE TWO 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW.

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 2021-08-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
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 am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX and XXXX Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My parents were co signers on some of my loans and they ended up in bankruptcy. Navient did not allow me to make any payments during this time, But Navient continued to accrue XXXX years of interest. 

I continue to pay more then what is owed but my balance keeps going up. 

My account says that I owe nothing for some months but when I click on the specific account I can see that there is an interest balance. This is deceptive, it makes you think that nothing is due that month but really you are accruing more interest. 

I went to XXXX XXXX a for profit school. I was never given information about my lender, never given information on my credit. Never told about monthly payments. 

I have called multiple times to see if my interest rates could be lowered but they have told me multiple times that it they are based off of what the government decides and there is nothing I can do to lower them. 

I was told that I am not able to consolidate in any way. 

My interest rates keep rising and it 's getting to a point where I can not afford to live. 

Whenever I call their customer service all they say is there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 submitted disputes and an FTC report for fraudulent hard inquiries. They have not been deleted despite several letters in the mail saying they were deleted. 

Transunion - XXXX  XX/XX/XXXX XXXX  - XXXX  XXXX/XXXX  XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I booked a trip through XXXX XXXX  that was advertised as a stay in the XXXX tower within XXXX resort in the XXXX from XXXX XXXX. Upon arrival we were given a room in the XXXX tower which is cheaper and lower quality. I reached out to the organizer on XX/XX/XXXX and they have yet to respond. I contacted Chase on XX/XX/31 to file a claim. They refused to take the claim stating that I accepted the goods therefore the companies policies would be in effect. XXXX published policy said it was non-refundable and was silent to providing an inferior product. With that being the only disclosure provided feel that Reg-e should still apply. A reasonable consumer would not know to refuse possession. Additionally I have asked for a copy of my CC disclosure as it is not easy to locate on their website or when signed into my online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I checked my credit report and a new address appears there. I have not moved I reside in XXXX, NJ the new address that shows is XXXX XXXX XXXX XXXX, XXXX XXXX. I have never lived there and I have never used this address. I still reside at my XXXX, NJ address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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: Information belongs to someone else

Complaint:
On XX/XX/2021 I mailed a letter, FTC report and copy of my social security number and ID to Equifax and XXXX  for fraudulent information on my credit report. I have done the proper steps of verifying my identity however they are refusing to correct this error. They have not responded to my letter and my credit report continues to report fraudulent information. A XXXX XXXX account is still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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 submitted disputes and an FTC report for fraudulent hard inquiries. They have not been deleted despite several letters in the mail saying they were deleted. 

XXXX  - XXXX  XX/XX/XXXX Equifax - XXXX  XXXX/XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Hawes Klein LLC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This not my account I asked repeatedly for proof regarding this account the complete profile where the signature was provided not a statement I want to know who signed for this account it's been years XXXX  is not investigating the claims associated with the collection on the account I asked the debt buyer for proof of signature who signed for the account nothing has been provided this has been going on for years either provide the proof or remove it

Company response to consumer: Untimely response
Consumer complaint received 2022-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my XXXX has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2021-08-31
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent a letter to all 3 of the major credit Bureaus via certified mail on XX/XX/2021. I have the receipts still. It is my right to report any inaccurate information on my credit report and in the letter stated I want all my personal information updated so that I can prevent identity theft and prevent any mail being sent to old addresses. They are refusing to delete addresses and update my correct name because they are stating I have 3 accounts open with those addresses when that is not true. 

Experian received my letter on XX/XX/2021 at XXXX XXXX received my letter on XX/XX/2021 at XXXX XXXX  received my letter on XX/XX/2021 at 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 2017-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I received a refund check from my previous Rental company. It was in joint name of me and my wife. I did not look into the same and tried depositing the check in BOA thru mobile banking. Immediately I realized it was a mistake. However I went to the bank the next business day and got my wife name included in the bank account, but the bank refused to accept the check stating its still under clearance from past deposit, and unless its rejected they can not accept.. I however sent the check the next day, they accepted the check, but they placed a hold for clearance for 10 days. I fail to understand when its my check, my money why is the bank placing hold. I also enquired with check issuing company, they confirmed that they have not placed any hold. 
I tried to call the bank at least 5 times to follow up on the hold status, but they would not share any information. just keep making me run from pillar to post. from one dept. to another. 
I have commitments and bills to pay, and I believe its not fair on the bank to place a hold o my check for such small issue. I think this is discrimination against people and this should be highlighted.

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 2021-08-31
Company: PRESTIGE FINANCIAL SERVICES INC
State: WA
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:
Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: ERC
State: PA
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:
This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX  Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST correct or remove this collection account immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello, my name is XXXX XXXX, I am from XXXX with XXXX XXXX. 
I have problems with the Coinbase company since I have the account blocked and under review for more than 6 months. 
I have tried to contact them many times and they close the disputes automatically and the result is always the same. 
I wanted to be able to recover around XXXX in cryptocurrencies but I can't since my coinbase account is blocked I hope I can get my money back and I'm writing here since I'm in a situation where I don't know what else to do. 

Really thank you very much and I await your response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My real estate property tax was not paid by either mortgage company, XXXX XXXX XXXX ( OLD Acct # XXXX ) or Bank of America XXXX XXXX XXXX # XXXX ). My tax payments are escrowed. I have an outstanding NYS Property Tax bill of {$1000.00} for XX/XX/XXXX- XX/XX/2016 My mortgage was transferred XX/XX/2016 from SPECIALIZE LOAN SERVICES ( I 've made complaints about this company in the past ), to BANK OF AMERICA. Neither mortgage company paid the property taxes. My last XXXX XXXX XXXX annual escrow statement shows a payment of {$410.00} paid out but to whom? XXXX XXXX XXXX or Bank of America has to pay the taxes out of the escrow. The mortgage payments I made included the XXXX tax payments already. Where did that money go? I called XXXX XXXX XXXX XXXX. and was hung up on, Im guessing because I called close to closing. She could have called me back. Their customer service was never great. I called Bank of America and was told to call XXXX Services. I am given the run around. Please make them pay my XXXX XXXX tax. I already paid through mortgage payments. Specialize Loan Svcs ( old Acct # XXXX ) XXXX XXXX Bank of America ( XXXX Acct # 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 2021-08-31
Company: EQUIFAX, INC.
State: NY
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:
I have unauthorized inquiries on my credit report. I called equifax numerous times and they still have not removed the inquiries. I demand the inquiries be removed immediately as they are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I 'm submitting a complain against BOA in Georgia. I deposit a check for {$4300.00} from a company called XXXX XXXX. I was suppose to be working from home with this company. This fake company XXXX sent me an email stating they will send me a check for XXXX to purchase my equipment. When I deposit the check on XXXX/XXXX/16 the bank did not call me to let me know the check was fake. I had to go online to check my balance and my account has been locked. I called the risk department on XXXX/XXXX/16 and was tolded to go to my local BOA and have them to fax the police report and documents showing that I was scam. I have been working on this for about 2 weeks now and have not heard anything from nobody. I 'm upset because I already had money in the account and every time I call customer service they can not help me.

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 monetary relief
Consumer complaint received 2021-11-25
Company: Aldridge Pite, LLP
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On Wednesday XX/XX/2021 approximately XXXX an alleged process server XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX [ XXXX ] appeared on the private grounds domicile that of Diplomat ; XXXX XXXX XXXX XXXX. He was demanding to see the likes of a all caps incorporation which he was told did not exist. 

He then went on line on his tablet and showed the cohort of ; XXXX XXXX XXXX a name registered with the County of Clark. He was informed that, that all caps name you pulled up is an Estate Trust, there is no woman or person by that name. As such he the process server was directed to go to the State Dept. of NV and do a search for the PPEHTrust whereas he could find the Estate Trust as proof that was not a person nor a woman but an Estate Trust. 

He did not wear a mask, nor gloves and appeared to be either tired or other. The man XXXX ; XXXX XXXX XXXX attempted to see the documents to see and verify if he was at the correct location looking for the right person, the man said he could not see the document. XXXX XXXX XXXX XXXX then asked him if he had a warrant and he said no, just a court document from XXXX XXXX CA signed by a Judge but no name of the judge was given. 

The man did not produce a warrant and proceeded to attempt to serve documents while he was standing in front of a Trespassing sign posted on the front door. He has breached the peace in his attempt to serve a none existing being corporation all caps straw without proper information or evidence that he had the correct address. 

This man working for a process serving company on behalf of Aldridge Pite , LLP in pursuance of some alleged property was discovered by camera. The grounds on the XXXX has multiple camera angles with strong zooming abilities. Once the XXXX XXXX XXXX XXXX was able to gain access to the property cameras. 

What was discovered was that the all caps incorporation name was XXXX XXXX XXXX with two listed addresses and DMV records from Texas and North Carolina. Please see the photo attached herein. 

When in fact the MRH or XXXX XXXX XXXX XXXX XXXX is not a person listed in XXXX XXXX Record of Deeds and with the State Dept of US and NV. This was told to the process server whom refused to leave the documents but such was copied caught on property domicile cameras. 

The Courts in XXXX XXXX CA does not possess any form of Jurisdiction due to the laws of this land which is the Constitution and Treaties thereof therein. The attempt to claim private paid for in full property was an attempt to scare place fear and move emotions to gain access to private property. 

Now XXXX XXXX XXXX is claiming to be the XXXX title owner or debt collector with a Judges signature on a document they will not serve the Claimant herein known as XXXX XXXX XXXX XXXX as the property is within the XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation