BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-10
Company: Harvard Collections, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Called my employer on XX/XX/XXXX, leaving a message with my manager stating they were an attorney trying to serve me papers. Today XX/XX/XXXX, they have called 6 times already, between XXXX XXXX and now. XXXX, XXXX, XXXX, XXXX, XXXX, and starting the day at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Coinbase, Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear CFPB, The price of Ethereum crashed to as low as XXXX cents from around {$310.00} in about a second on the XXXX cryptocurrency exchange on XXXX XXXX 2017, which is being blamed on a " multimillion dollar market sell '' order. <P/>Ethereum is an alternative digital currency to bitcoin and had been trading as high as {$350.00} on Wednesday. A big price fall triggered 800 stop-loss orders and margin funding liquidations caused Ethereum to trade as low as 10 cents for 1 second before going back to a normal market value. <P/>A stop-loss order is a trade that is executed automatically once a security in this case, Ethereum hits a particular price. Margin funding is essentially trading with borrowed funds. Liquidation is when these positions are closed automatically in order to prevent further losses. The knock-on selling effect caused the flash crash on XXXX thus resulting in Liquidation off everyone 's funds. <P/>When you are called, you have to have the time to place the money in the account. What we have here is not true margin, it is leveraged, calling it margin in its own right if it wo n't behave as the SEC/FINRA/XXXX defined margin is fraudulent. <P/>The link to a chart below is a screenshot of the GDAX price showing the high and low price. XXXX XXXX XXXXXXXX I do n't mind being margin called. I DO mind not having access to a system that allows me to fund my account to prevent the call ( as is required in all US brokerage services ) All this resulted in me losing {$14000.00} because of this margin call. Screenshot that shows my account being margin called : XXXX XXXX XXXXXXXX Thank you for taking the time to read this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX  ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX   ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX  XXXX  ) XXXX Balance : {$650.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2017-06-22
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
On XX/XX/XXXX, a payment was scheduled in the amount of {$450.00} of which I was informed that as long as the payment was made before XX/XX/XXXX at that point, nothing would happen to my account. Well, yesterday, I cancelled that payment that was to be taken out on Thursday, XX/XX/XXXX, and scheduled it to be taken out on XXXX XXXX, 2017 ( a day earlier ) of which it is currently processing. American Express, however, suspended my charging capabilities on Thursday, XX/XX/XXXX, with the understanding that the payment would go through on XX/XX/XXXX. <P/>Everything they 've told me over the phone contradicts the actions behind what has happened with my account. I 'm very frustrated with this company at this point. When I ask for the ID of the individuals I 'm speaking with, they refuse to give me that information and act very suspicious about giving me any information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-25
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: Personal information incorrect

Complaint:
All three credit reporting agencies are running inquirys w/o my consent. Experience at XXXX XXXX CA has been running my credit reporting routinely even twice to three times a month for unknown reasons to me. A wrong social security number has been added on my credit report personal information stated as XXXX. This is incorrect. Credit management services company is posting a balance of {$93.00} this is not my account States the acct was opened on XX/XX/XXXX with XXXX XXXX. We are in XXXX XXXX CA area and charter is not an option in our new place of domicile. A victim fraud altert statement was modified w/o my consent on my experian report adding an unknown number as XXXX and adding a statement to make contact with this unknown number to me each time credit request is submitted, and each time changes are made eff : XX/XX/XXXX. I did NOT ADD THIS STATEMENT TO MY CTEDUT REPORT. IT IS A XXXX -XXXX FAMILY WHI IS STALKING & HARASSING ME THEY ARE CON XXXX AND VERY DANGEROUS. NAMES INVOLVED : XXXX, XXXX, XXXX, XXXX, XXXX ( former leasing agent ), XXXX XXXX A VICTIM OF HATE CRIMES & THESE PEOPLE ARE TARGETING ME FOR HARASSMENT & FRAMING PLOTS, per OCSD in CA.

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 2017-06-22
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX , XXXX is reporting a debt to Experian and other credit reporting companies that is false. They claim I owe rent to XXXX XXXX for renting a apartment from XXXX in XXXX XXXX Iowa. I did rent an apartment for a year lease from XX/XX/XXXX thru XX/XX/XXXX. I was transferred a few months later and worked with XXXX XXXX to sublease the apartment. I paid rent thru XXXX. The apartment was sublet XXXX for the remainder of the lease. When checking out I was told I owe no further monies because the apartment was sub-let. XXXX XXXX now claims I owe them a sum of money. They never contacted me. XXXX XXXX must have sold the supposed debt to XXXX XXXX XXXX XXXX , XXXX Who has reported this to Experian and other credit reporting companies. I 've called the corporate head quarters of XXXX XXXX to be told I have to work with XXXX XXXX. I 've made several attempts with XXXX XXXX to clear up the misunderstanding including sending them the attached Resident ledger and they refuse to remove the bogus claim. XXXX address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD 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 2019-12-02
Company: Navient Solutions, LLC.
State: AK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I make an over payment of {$50.00} to {$100.00} per month. Then I started getting statements that read as this, example - received a statement on XX/XX/XXXX, You have {$0.00} due XX/XX/XXXX but current amount due is {$230.00} by XX/XX/XXXX. I made a payment as if I had a payment due in XXXX to continue paying ahead. I received by XX/XX/XXXX statement. Again, {$0.00} due XX/XX/XXXX but current amount due is {$230.00} by XX/XX/XXXX. I again made a payment as if I had a payment due for XXXX. I received a statement for XX/XX/XXXX, now it says I have a payment due {$230.00} due XX/XX/XXXX. I should be paid ahead. Are my extra payments going to principal. I feel that I am over paying and they are misrepresenting my money going to my student loan. I spent 45 minutes on the phone explaining this. He first told me that I was looking at the statements incorrectly. Finally at the end, he stated that my next payment isn't actually due until XX/XX/XXXX and he asked if I wanted my over payment to the principal. What is going on here?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Portfolio Recovery Associates, LLC a few months ago about a debt collection that doesn't belong to me. The name on the letter is XXXX XXXX. I have no knowledge of this person, nor this account. I did not receive any notification about disputing this account from this debt collection agency. I received a second letter on today, the letter is dated XX/XX/2018. I have contacted Portfolio Recovery Associates, LLC before about this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-10
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:
These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in 2 separate re-investigation requests to Equifax for the following inaccurate accounts : Account Name : XXXX XXXX XXXX XXXX Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : XXXX XXXX XXXX  - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, Equifax has ignored my requests, which is my right under the FCRA. XXXX XXXX XXXX has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts. I have disputed these alleged accounts with Equifax, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: DISCOVER BANK
State: WI
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2017 XXXX-XXXX  XXXXUSD A guy who declared as a XXXX staff attacked my computer, made it blocked and cheated me to give him my XXXX  card information so that he can purchase and install a security software for me. <P/>The phone number in the attached .txt is reachable and a company called them " XXXX '' but called " XXXX  '' by others would answer this phone. Also, it seems that a bunch of fraud companies are using this number : XXXX. They are all XXXX people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
Exeter Finance and XXXX XXXX XXXX  XXXX have violated my federally protected rights. My signature was forged multiple times along with other violations on XX/XX/2022 and XX/XX/2022. I exercised my right to rescind and sent a notice of intent to arbitrate and my rights continue to be violated. TO MAKE MATTERS WORSE EXETER FINANCE shared my PERSONAL NONPUBLIC INFORMATION/PERSONAL IDENTIFYING INFORMATION with a 3rd party withOUT my consent pursuant 15 usc 6802. I WAS NOT ALLOWED TO OPT OUT DESPITE REQUESTING IT. My vehicle was repossessed WITHOUT an enforceable security interest. Pursuant 12 cfr 1026.23 I rescinded the security interest/signature/contract due to fraud on XX/XX/2022. Both Exeter Finance and XXXX XXXX XXXX XXXX have made aware of my dispute and rescission. I am currently in communication with XXXX XXXX, XXXX. My rights have been violated OVER AND OVER. Pursuant 12 cfr 1026.23 ( d ) Effects of rescission.

( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void and the consumer shall not be liable for any amount, including any finance charge.

( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.

( 4 ) The procedures outlined in paragraphs ( d ) ( 2 ) and ( 3 ) of this section may be modified by court order.

I demand my vehicle be returned to me immediately and these companies Cease and Desist their illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-22
Company: Ad Astra Recovery Services Inc
State: TX
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:
Ad Astra refuses to VALIDATE this account. I received no documentation validating this debt as legally requested The right of subjugation does not exist for a stranger to the transaction. XXXX XXXX XXXX, XXXX XXXX. This company is required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Where are the documents that you used to verify/validate these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. XXXX 's XXXX XXXX, XXXX Edition, XXXX, defines " Verify '' as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) " To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and " Verification '' as, " Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party. '' Someone in your company must authenticate the documents in your files that were used to verify the disputed accounts and to do this they must have 1st hand knowledge of the alleged account ( s ) and all that has ever transpired for the alleged account ( s ), under oath and under the penalty of perjury. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. The Courts have also ordered that a " Reinvestigation '' that merely shifts the burden back to the consumer and the credit grantor can not fulfill the obligations imposed by 1681 ( a ) ( 4 ). This is a request for VALIDATION. Provide me proof I have a signed contract with your company. All this has occurred at the end of XXXX and month of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Southwest Recovery Services, 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:
In XXXX of 2022 I noticed a collection on my credit report. I contacted the agency ( Southwest Recovery Services ) and was told it was for a property rental in XXXX. I did not rent a property in XXXX, so I asked them to remove it from my credit. They told me that someone named XXXX XXXX used my social security number to sign a lease and didn't make their payment in XXXX. They said they would call me back with more information so that I could file a police report. They did not call me back. I tried to call them 3 times after that ( and left messages ) with no response. Finally on the XXXX try in XX/XX/2022, I was able to talk to someone at the agency and they gave me the address of the property ( XXXX XXXX XXXX ). I contacted the property management company XXXX XXXX XXXX XXXX XXXX and explained what was happening. They said that they don't have any record of a XXXX XXXX using my social security number, and they don't lease that property, they lease a couple of properties on XXXX XXXX, but with slightly different house numbers. I sent a letter ( attached ) to SW Recovery Services, but it was returned as undeliverable. I am still unable to get a response from the collection agency and the collection is still on my report.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation