BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-13
Company: AFNI INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
To whom it may concern, I had a cable service with XXXX XXXX and due to my company merger, I had a loss of hours and income and could not continue to pay my XXXX XXXX  bill. 

I called XXXX XXXX  to inform them of this and to let them know that I would be needing to cancel my service but would try to make small payments on my balance. 

XXXX sent a team member out to collect their equipment that was included with the service. 

Literally the day after my equipment was picked up, XXXX began to call me everyday on the hour despite our previous conversation. 

XXXX then referred my account to a collection company called Afni Inc PXXXX. XXXX  XXXX XXXX, IL XXXX XXXX I was unknowing of this until XX/XX/XXXX when I ordered my annual credit report and saw that Afni placed the XXXX cable bill on my credit profile. 

I have never received a call from Afni. I have never spoken with anyone from Afni but yet they took it upon themselves to place an item on my credit file from XXXX ... an entire 3 years later. 

Even up until recently, Afni continues to take it upon themselves to negatively report to my credit file as of XXXX and XX/XX/XXXX. 

Their unscrupulous reporting has eroded and damaged my credit by 70 points. 

In the midst of a global pandemic where my credit file may need to be referenced ... Afnis unjust business practices has cost me both economic opportunities and dwindled my credit score. 

They know that most people take their credit scores very seriously so they use these shadowy tactics in an effort to collect debts. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-26
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase wallet and I'm unable to close the account and redeem my cash. They don't respond to email or answer the phone. My password will not reset. I'm unable to access my {$200.00} which they continue to make money on via float.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The itemsI 'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX : {$6600.00} XXXX XXXX XXXX XXXX Balance XXXX {$5000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$1800.00} XXXX XXXX XXXX XXXX Balance : {$6600.00} XXXX XXXX XXXX XXXX Balance : {$5000.00} 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 non-monetary relief
Consumer complaint received 2020-06-12
Company: Conn's, Inc.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have an account through Conn 's Home Plus. Over the past 8 months they have done the following.

1. Contacted me outside of federal regulated call hours ( ex XXXX XXXX sunday morning ) 2. There contact methods are loading a number on the dialer system once an hour every hour regardless of contact.

3. I have made payments and have been called back an hour later for solicitation of another payment 4. I have filed multiple complaints from there third party company all the way to the corporate office in XXXX XXXX with no resolve. 
5. They offer extensions to be be brought current but require a payment that is more the the 30 day amount of interest 6. They have modified and extended my contract multiple times over the last year without my authorization The past two days of call history are XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX   4.XXXX XXXX  5. XXXX XXXX  6. XXXX XX/XX/2020 XXXX XXXX XXXX 1. XXXX XXXX  2. XXXX XXXX  3. XXXX XXXX  4. XXXX XXXX  5. XXXX XXXX  6. XXXX XXXX  7. XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2023-07-11
Company: Chime Financial Inc
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX I deposited {$1900.00} into my landlords Chime account which was XXXX rent which included late fees for XXXX as well as XXXX. I bank with Chime and have for more than 2 years without any problems. I have paid my rent this way previously without any issues. On this occasion my landlord was unable to retrieve the funds and after several attempts Chime closed his account. Both my landlord and myself have made several calls on speaker phone to resolve the issue as well as via email, several emails and they refuse to refund my money. There was no nefarious activity on the the part of myself and as far as I know of none in the part of my landlord. I have supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: I.C. System, Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To : I.C. SYSTEM INC. 
XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Dear Debt Collector, RE Letter sent from I.C. SYSTEM INC. 
Account XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Balance : {$250.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 



Please attach all the requested documents. 
Agreement with you and XXXX XXXX the authority to collect this alleged debt. 

Signed agreement Debtor has made with Debt Collector. Must be verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 
Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me 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 explanation
Consumer complaint received 2023-03-06
Company: NEW YORK COMMUNITY BANCORP INC
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My whole identity has been stolen by my mother and she been using it for a long time and now it's like I can't do nothing with my ssn or identity it's been so stressful for me to deal with

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 2023-05-29
Company: DISCOVER BANK
State: FL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have XXXX hard inquiries from discover financial I would like to remove from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-29
Company: R & B Corporation of Virginia
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
From : XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX To : CREDIT CONTROL CORP XXXX XXXX  XXXX XXXX XXXX XXXX VA XXXX Dear Debt Collector, RE Letter sent from XXXX XXXX Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Balance : {$200.00} Be advised this is not agreeing to this debt. but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. 
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. 
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. 
If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. 



Please attach all the requested documents. 
Agreement with you and XXXX XXXX the authority to collect this alleged debt. 

Signed agreement Debtor has made with Debt Collector. Must be verifiable proof Debtor has a contractual obligation to pay Debt Collector. 

Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor. 

All statements while this account was open. 
Please provide the name and address of the bonding agent for your company, in case legal action becomes necessary If your office fails to send all requested documents within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
We received letters in the mail stating Chase was closing all my families accounts without explanation and to remove our money. We called for an explanation and they wouldnt tell us. We went up there and they would not tell us either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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:
XXXX XXXX XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit 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 2023-02-16
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: Information belongs to someone else

Complaint:
This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items immediately. 

XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/2021

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 2023-05-30
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, my sister said a Venmo representative would be calling because she needed help with her account. There was money transferred to my venmo account from her. The alleged Venmo representative called and asked take amounts from that money and transfer to individuals with my sister line in the memo. After about 40 minutes on the phone with them, my husband called my sister and said I was still on the phone with Venmo and she said to hang up because she thinks it was a scam. So, I immediately got off the phone and filed disputes with Venmo to stop the transactions via each transaction as well as called them. 

Dispute Date Dispute Id External Payment ID Denied Appealed XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX to XXXX They then denied them on XX/XX/XXXX and I appealed them back to them on XX/XX/XXXX. I also sent them another email on XX/XX/XXXX. Then on XX/XX/XXXX, I received an email stating I do not sufficient funds to cover a disputed case. I then replied back to them again on XX/XX/XXXX stating this was again this was fraud that was immediately disputed and they needed to clear it out. They replied on XX/XX/XXXX asking for information, I then replied back to them on XX/XX/XXXX with the following : Do you know the recipient of the transaction? : No Did you contact the recipient for this transaction? : No Was your device lost, stolen, or out of your possession at the time of the transaction? : No Do you currently have possession of your device? : Yes Did you ever give anyone permission to use your account or device? : No Did you already dispute this transaction with your bank? : My sister and I both notified you all as soon as we were scammed by someone pretending to be from Venmo. We both asked you not to transfer funds and explained what happened. We both have separate cases. Those charges were all disputed within minutes to Venmo as the bank. 

No goods or services were exchanged. These were all fraudulent. 

They replied on XX/XX/XXXX with a denial. 

On XX/XX/XXXX, was my latest appealed and asked for escalation on venmo request # XXXX that denied and have not heard anything back. I even resent it on XX/XX/XXXX to XXXX ' XXXX ; XXXX and still have not heard anything back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-29
Company: Convergent Resources, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This collection start around XXXX  whit the amount of {$840.00}, i do not this company, and the culd not verify this account as mine ( Convergent Outsourcing )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
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:
I asked for a credit limit increase for one of my credit cards today XX/XX/20 and I was told they were not able to give me a credit limit increase at this moment because I had negative credit history. I got a copy of my credit report because I wasn't sure what negative history they were talking about and I saw two charged off accounts on my report ; One from XXXX XXXX and one from XXXX  XXXX Auto finance. These accounts do not belong to me and I never gave anyone permission to open them in my name. I do not have a written/verbal contract with either of these companies and I did not benefit anything from these accounts that were opened on my behalf without my permission nor did I ever make payments toward these accounts. I filed a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: EQUIFAX, INC.
State: NY
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've been disputing for months now, i have been getting nothing back from the bureaus. i will attach documents showing my letters being sent out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: EQUIFAX, INC.
State: CA
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:
I have been a victim of identity theft and I have exercised due diligence to repair my credit but false and fraudulently information hasnt been removed after multiple unjustifiable unauthorized accounts from multiple improper investigations violating FRCA Dear Credit Bureau, I am continually being called on the telephone by your firm over an alleged debt. I'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via Spears v Brennan 745 N.E.2d 862 ; 2001 Ind. App. LEXIS 509. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. ( Agreement with your client that grants you the authority to collect on this alleged debt. Coppola v. Arrow Financial Services, 302CV577, 2002 WL 32173704 ( D.Conn., Oct. 29, 2002 ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.

Intimate knowledge of the creation of the debt by you, the collection agency.

As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in TWYLA BOATLEY, Plaintiff, vs. DIEM CORPORATION, No. CIV 03-0762 UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, 2004, the courts ruled that reporting a collection account indeed is considered collection activity. 
While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. 
I look forward to a speedy resolution of this matter. 

I am attaching the lawful codes on which is in violation of the law 15 USC CODE 1681N,15 USC 1681o,15 USC 1681e,15 USC 1605, 15 USC 1681i

Company response to consumer: Closed with non-monetary relief