BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: Allied Collection Services, Inc. (Nevada)
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract. Since you have not supplied the demanded proof of the alleged debt, under the doctrine of estoppel by silence, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2023-01-21
Company: DISCOVER BANK
State: GA
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 received a copy of my credit report regarding DISCOVER BANK ACCOUNT # XXXX and noticed some errors with this account. You all are reporting to the bureaus late payments for the XX/XX/2020 which is inaccurate. I have my payment stub for this month and the account was paid on time as agreed per contract at the opening of this account. 
Please update this information and provide to all three creditors as well myself via mail to the address above. If you decide to validate my claim as false, please provide physical evidence proving otherwise. 
Let me remind you per FCRA 623 you are required to correct inaccurate data provided to the bureaus on my report and provide any relevant information proving otherwise. Please recheck this information and report the updates as necessary. 
Please send correspondence via mail regarding the changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-02
Company: EQUIFAX, INC.
State: CT
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 contacted Equifax regarding the following inaccurate information on my credit report. As of today, I have not received any response from them. Therefore, I am filing this dispute with the Consumer Financial Protection Bureau ( CFPB ). 
I found inaccurate information on my credit report for the XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$120.00} ) account. While I am aware of the original creditor, XXXX XXXX, I have no knowledge of the collection agency that has been reported, as I have no contract with them. Furthermore, the reported balance of {$120.00} is inaccurate, as I believe it should be a lower amount. Additionally, the reported balance is higher than the high balance on the same account, which clearly demonstrates the inaccuracy of your reporting. In light of these inaccuracies, I dispute the entire account and request that the following dates be verified : Date Opened and Date of First Delinquency. 
The information presented on XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$270.00} ) account is unknown to me, as I have only contracted with the original creditor, XXXX XXXX. The balance of {$270.00} is also higher than what I remember. This information is inaccurate, and I dispute the entire account. I request that the following dates be verified : Date Opened, Date of First Delinquency, Date of Status and First Reported. 
I am also disputing the following accounts : XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$520.00} ) : This account was never late, and I request that you correct/update this inaccurate information on my credit report. 
XXXX XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$320.00} ) : This account was never late, and I request that you correct/update this inaccurate information on my credit report. 
XXXX ( Account # : XXXX, Date Opened : XX/XX/XXXX, High Credit : {$11000.00} ) : This account is not mine, and I request that you remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: EQUIFAX, INC.
State: GA
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:
For the past month, I have been trying to get a total of 18 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : An toy scion mall of ga # XXXX ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( Tuesday, XX/XX/XXXX ), XXXX XXXX ( Friday XX/XX/XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/XXXX ) XXXX XXXX-indirect ( Monday, XXXX XXXX ) XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX XXXX ( Friday, XXXX XXXX ), XXXX-Auto Finance ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( wednesday, XXXX XXXX ), XXXX XXXX ( wednesday, XXXX XXXX ) XXXX  XXXX ( wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX ( monday, XX/XX/XXXX ). I sent dispute letters to Equifax to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: Experian Information Solutions Inc.
State: AL
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:
There is a public record on my credit file that I have been trying to get remove since XX/XX/2018. I have disputed many times via certified mail, online, and with CFPD. Experian Credit Bureau keeps reporting it and saying they investigated and XXXX is furnishing the information. Which is a lie! I have submitted proof that XXXX has removed it! This is the case number with XXXX XXXX that verify that they have removed it from their credit file. Experian is not up holding the law of the FAIR CREDIT REPORTING ACT!

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 2021-02-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3800.00}, {$1200.00}, {$4400.00}, {$5800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4300.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5800.00} -This is not my account.

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 2020-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Unwilling to pay me my credit due. The Credit issued to a closed account via XXXX that was closed by capital without notification. So they still own me the credit account as the account was paid in full. They state they are unable to verify me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX through XXXX of XXXX, I disputed accounts on my credit report with all of the following credit reporting agencies ( TransUnion and XXXX ) that were inaccurately listed yet DO NOT APPEAR on my credit file with XXXX. These accounts were obtain during XXXX  to XXXX  and were used by my spouse. Since it was realized that he opened these accounts in my name without my permission and used the accounts during our marriage, these accounts were listed in the divorce agreement for payment by my spouse ( who initiated opening these accounts ). Since I was being hounded, I paid the settlement amounts as agreed with these companies. These accounts are all inaccurately listed as past due charge off/collections, which is also INACCURATE because a charge off/collections can not be listed as past due. This has caused undue stress in trying to remove this inaccurate information. These companies should not be allowed to post and/or re-post information to my credit files, at all, since the inaccuracies are abundant and constant. 

In accordance with the fair credit reporting act the following companies have violated my rights : 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 ). 

One or more of the following FCRA laws have been violated : 15 USC 1681 section 602-A states that I have the right to privacy. 

15 USC 1681 section 604-A section 2 states that consumer reporting agencies can not furnish an account without my written instruction or consent. 

15 USC section 605A. Regarding identity theft prevention ; fraud alerts and active duty alerts [ 15 U.S.C. 1681c-1 ], I am entitled to have an alert placed on all my credit files stating " Credit file can not be accessed without the permission of XXXX XXXX by calling ( XXXX ) XXXX and given the code name XXXX XXXX  XXXX ''. Identity theft report was given to all credit reporting agencies ( XXXX, TransUnion and XXXX ). 

15 USC 1681i - Procedure in case of disputed accuracy states that inaccuracies must be removed if inaccurately reported, for any and all reasons. I have provided multiple reasons and inaccuracies. 

One one address should be listed on my credit file : XXXX XXXX XXXX , XXXX, IL XXXX ( and no other address should be listed. Only on phone number should be listed on my credit file : ( XXXX ) XXXX ( and no other phone number ). 

I demand that all these accounts listed above be removed from my credit reporting file or risk a {$1000.00} penalty.

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 2021-02-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have had issues with loss of work and/or non full time work. I have paid several accounts off by settlement over the phone. I also had two garnishments of pay in 2019. Portfolio recovery calls me EVERY DAY. I have made an offer to pay XXXX dollars on several occasions to settle the debt. They have called my basically every day for the pat several months. The debt is from a credit card that has late charges on it. They refused the payment each time I offered and wanted me to make large XXXX time payment or make reoccurring automatic payments for full amount. They also threaten me with garnishment. I make XXXX a year with one minor dependent. My rent is XXXX plus utilities/trash removal and water. I pay all bills ( car payment, insurance, food, etc ) and I am only eligible for XXXX a month in food stamps. I am considered at poverty level for my household size.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
In early XXXX of XXXX, my account at Coinbase was taken over and when I reported it to Coinbase, they blocked me from my account. They then proceeded to make unauthorized transactions in my account. They tried to tell me that my email account must have been hacked into and that is how someone got access to my Coinbase account. I strongly disagree. Someone within Coinbase accessed my account and used my debit card to transfer funds from my XXXX XXXX account or they allowed access, not protecting my debit card. They made numerous transactions and transferred everything to a Coinbase Pro account which I had never signed up for or used. Coinbase depleted my cryptocurrency and claimed that my XXXX XXXX bank reversed charges. I reported this to the police. XXXX XXXX claimed that they did not reverse these charges that Coinbase claims. They also stated that they had no record of an account in my name for some of the charges that Coinbase claimed against me. Though I told Coinbase this, they insisted that they were my charges. Coinbase refused to check where the funds had gone except for taking my funds and keeping for themselves. Coinbase has cost me nearly {$20000.00} and, in addition, caused me severe distress. Not only did not they not protect my debit card nor my account, they made claims that are untrue, refused to answer my specific questions about the reversed charges and even after a year of attempting to get answers, ignored letters to XXXX XXXX, kept claiming they were entitled to more time to investigate before I was allowed to take legal action and then, still without giving me the information I requested, again stated, as they had numerous times, that they considered my complaint closed stating, " your customer experience was not up to our standards and we are issuing you a credit of {$10.00}, and an additional {$50.00} for your wait for a response to your formal complaint ''. This is totally unacceptable and I want to be compensated in full for the losses from my account due to Coinbase negligence, possible internal fraud, failure to protect my debit card and account, making transactions in my account while blocking access to my account, taking money from my account stating that it was for funds reversed by XXXX XXXX which XXXX XXXX denies and Coinbase repeatedly refused to provide copies of such transactions. Coinbase claimed that they answered everything which they did not but then, again, closed the complaint. There are numerous emails from them just dismissing me and closing the complaint. This is how Coinbase treats their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: GOLDMAN SACHS BANK USA
State: PR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
During the month of XXXX of XXXX I noticed that the wallet application of my XXXX XXXX showed a message indicating that payment was due on XX/XX/XXXX. I normally pay my prior months charges in full before or on the due date in order to avoid finance charges. Prior to me seeing that message I had paid at or before the last day of the month for about XXXX years. I figured they had changed their due date to be the XXXX of the month so I went along with it and waited to XX/XX/XXXX to make the payment. To my surprise they had charge a finance charge of {$71.00} to my account by then. I immediately called and even sent them a screen shot of the XXXX  app showing now a due date of XX/XX/XXXX. They promised to look into it. A few weeks went by and I noticed the message was no longer displayed on the XXXX  app. My guess was that they fixed the problem. I called again to inquire about my reversal of the finance charge but they stated that they only had a technical complaint about the XXXX  app but not a dispute of the finance charges. I immediately logged a dispute but it was denied about a week later stating that no error had been made on their part and that the finance charge would stay. 

I have included a screen shot of the XXXX  app as it was showing a due date of XX/XX/XXXX the same day I called them which was on XX/XX/XXXX. If I were to follow those instructions I would be changed finance charges again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-01
Company: CW Financial
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a text from the number XXXX saying a document delivery for me was scheduled for XX/XX/2021. If I wanted to redirect the delivery, I could call XXXX Reference number XXXX. I called the number and a man by the name of XXXX picked up and informed me he was XXXX from Crestwood Mangagement out of XXXX, AZ and I owed {$400.00} to a place called XXXX XXXX XXXX  I told him I had never heard of the place and I knew this was a scam. Apparently, he knew someone I was married to about 20 years ago because he said her name. I asked him where XXXX XXXX XXXX  was located and which store I supposedly took out this loan was and he just told me they had many locations throughout the U.S. I informed him, I was going to report him and that I was a former military police officer and I knew he was a scammer. Also, I contacted the XXXX  and they informed me Crestwood Management was out of XXXX, OH. I have never never heard of, or done business with a XXXX XXXX XXXX to my knowledge.

Company response to consumer: Untimely response
Consumer complaint received 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
XXXX XXXX XXXX LATE PAYMENTS INVALID. 

XXXX XXXX XXXX NOT BELONG TO ME. 

XXXX XXXX XXXX  XXXX DOES NOT BELONG TO ME. 

XXXX XXXX XXXX I XXXX DOES NOT BELONG TO ME. IDENTITY THEFT.

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 2022-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX  XXXX {$3600.00} XXXX XXXX XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX XXXX {$5000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ).

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 2023-08-05
Company: EQUIFAX, INC.
State: PA
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 account is fraud listed below. I demand it is removed from the credit report immediately. XXXX XXXX XXXXXXXX XXXX account # XXXX. The FTC report is attached to this complaint.

Company response to consumer: Closed with non-monetary relief