BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-16
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In the first week of XX/XX/XXXX sent a certified letter to XXXX XXXX requesting verification and validation on debt and ownership anything with my signature. The company did n't provide any proof and did n't add a dispute remark on credit bureau until XX/XX/XXXX and even then, only put it on 2 bureaus XXXX had no dispute marks on it. resent a letter received by XXXX XXXX on XX/XX/XXXX. I again waited for validation and verification and received neither, also XXXX XXXX still violated FCRA by not marking my report as disputed. 

XXXX has also filed a suit against me, without providing any validation or verification that has been requested for over 5 months prior. XXXX XXXX actions have caused adverse actions on my life, I was passed up for 2 separate positions due to the status on my report and not having the dispute marked on the credit bureau. 

Please Help me..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-17
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I contacted the credit reporting agencies to request a proper investigation on my credit report, in regard to some inaccurate account that required special attention. Over 30 days have passed by, and I have yet to receive anything in the mail. 
It is my understanding that, at this particular moment, and due to COVID19 Equifax, XXXX, and XXXX are under relax enforcements standards according the Consumer Financial Protection Bureau. However, the bureaus are still required to investigate, and process my direct dispute request according to section 611 of the FCRA. In addition, it is understand that I reserve the right to sue you in Federal Court according to section 616 of the FCRA Willful non-compliance, if the bureaus don't comply with my investigation request. 
Account Name : XXXX Account # : XXXX Account Name : XXXX Account # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-05
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have a Coinebase account. I have been unable to access my account after loggin in with my valid Username and Password. When I put in my 2-factor, 6-digit authenticator number, it keeps saying " Invalid number ''. Therefore, I can not get into my account. 

I have tried repeatedly to contact the company without success. When I call their number, I get a voice recording that directs me to their Help Page. When I go to the Help Page, it is very confusing, technical and basically useless. 

I leave messages asking for help but no one contacts me. 

I have about {$30000.00} in my account and I CAN NOT GET TO IT. I just want to get my money out and be done with this company but I can not get a person to help me either in a chat group or on the phone or by email. It's like a ghost company. There is no way to reach them. 

Please help. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-20
Company: ERC
State: FL
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:
My identity was stolen and I am unaware of the origin or to whom this debt truly belongs to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter from XXXX XXXX  and XXXX  in XX/XX/2019 that they had sold a debt to Crown Asset Management. On XX/XX/2019, I sent a certified letter to Crown Asset Management informing them that this was not my debt and to validate the debt. Crown Asset Management signed for the certified letter and the return receipt card was mailed back to me verifying that they had received the letter. The letter included my current address so that Crown Asset Management could send me debt validation through the mail. Although they have my correct address, I have not received debt validation from them yet. I am writing for your assistance because I have read that this debt collection company tries to sue individuals for debt that does not belong to them and they also sue individuals without ever sending them any correspondence about the debt, no assignment of the debt, and no debt validation after it has been requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
All these hard Inquires are fraudulent. Attached is my FTC 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 non-monetary relief
Consumer complaint received 2019-07-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This was a joint account. I was co-signer on the account. It is listed as an individual account. Due to some late payments, this account appears as a negative account on my report even though the account is now paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-20
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I WAS LOOKING ONLINE FOR A WAY TO BOOST MY CREDIT SCORE AN RAN ACROSS 2 COMPANIES THAT OFFERED TO REPORT TO THE CREDIT BUREAUS ALL 3 AND THEY GUARANTEED A IMMEDIATE REPORTING TO THE CREDIT BUREAUS. BUT I HAD TO PAY A FEE EVERY MONTH THEY REPORT. THESE COMPANIES ARE XXXX XXXX -- -- -- REPORT AS XXXX XXXX XXXX XXXX =========REPORT AS XXXX XXXX PLEASE XXXX XXXX XXXX, AND XXXX XXXX THEY ARE SCAMMERS!!!! ! XXXX!! I ASKED THEM TO STOP DEBITING MY ACCOUNT AFTER I HAD ESTABLISHED CREDIT OF MY OWN. AND THEY CONTINUED TO DEBIT MY ACCOUNT. THEY DO NOT OFFER ANY PRODUCTS ONLY TO REPORT TO THE CREDIT BUREAU. SO THERE FORE I ASKING THAT ALO 3 CREDIT BUREAUS REMOVE THESE 2 ACCOUNTS FROM MY CREDIT REPORT OR PROVIDE ME PROOF OF PRODUCTS ORDERED AND A PAY HISTORY .I HAVE BEEN PAYING THESE COMPANIES JUST TO REPORT TO THE BUREAUS TO INCREASE MY CREDIT SCORE.  PLEASE REMOVE

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 2020-09-17
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I never had this insurance with XXXX XXXX. I initially requested a quote for a home purchase but the deal was cancelled and I never opened the policy as there was no need. I told this CCS company that I spoke to XXXX XXXX and they have no idea why this company is contacting me, in fact I currently have an auto policy with them in good standing. Company has not responded to the requests I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original policy, and proof of payments with cancelled checks, as well as proof the are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove for my credit reports before taking legal action for fraud. I have also contacted the three credit bureaus for an investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute about 30 days ago to TransUnion. I advised them that 2 loans from XXXX XXXX XXXX XXXX was paid in full and had been closed out but they still had it on my credit report. I was informed by TransUnion that the information was not updated because it was correct. I advised them that it was not correct and the other reporting agencies had already updated the correct information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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

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 2019-07-27
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
On XX/XX/XXXX, I used the Discover online system to check the balance of my Discover balance transfer, which is due XX/XX/XXXX. I was unable to find the total on the website or on my statement. Because the information was not available online, I used the online email system to request my balance transfer remaining balance. The reason that I was checking is because since XX/XX/XXXX, my payments towards this balance transfer have been anywhere from {$1500.00} to {$5000.00} monthly. This was done to ensure that my total balance transfer was paid in full by the due date. I was expecting to be close to paying this off, if not having paid it off in full already. 

On XX/XX/XXXX, Discover responded and informed me that only the minimal balance of my balance transfer was paid out of each {$1500.00} to {$5000.00} monthly payment. Many months, the minimal balance is only {$120.00}. If only the minimal balance is being applied to the transfer balance, this is a company practice that guarantees that I would not fulfill my obligation of paying off the balance transfer by XX/XX/XXXX. 

On XX/XX/XXXX, I responded asking what I needed to do to be able to dictate that enough of my monthly payment was applied to my balance transfer to ensure that the balance was paid off in full by XX/XX/XXXX. Discover responded with the same canned text without answering my question. 

Of note, my balance transfer of {$10000.00} ( acquired XX/XX/XXXX ) has a remaining balance of {$5800.00}, despite my making {$20000.00} in payments since XX/XX/XXXX. 

I am filing this complaint for two reasons. I believe that Discover 's  practice of applying my payments to only the minimal balance of the balance transfer is deceptive and intended to trick the consumer into missing the deadline for full payment, which allows them to charge all of the interest that was previously withheld. My second reason is because Discover needs to be held responsible for correcting this process so that a less saavy consumer would not be taken advantage of. 

Of note, nowhere on the website or my statement does it display my balance transfer total as opposed to my total balance, which was why I contacted them in the first place. This is also intended to hide their deceptive practices and needs to be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-23
Company: 2288984 Ontario Inc.
State: VA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Mr XXXX from XXXX XXXX XXXX called me about a debt from money key. When I didn't call them back they called my parents on XX/XX/2020. I called him and got the information from him. His number to call back is XXXX ex XXXX. The reference number is XXXX. He offered me a reduce debt at {$130.00} for the money key loan of {$410.00} the loan is from XX/XX/XXXX. I called money key to see if I owed them money and it was paid off XX/XX/XXXX, I owe them nothing and it's a fraud attack from Mr. XXXX and the XXXX XXXX XXXX. Please do what is necessary to stop my harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I open a checking account on the XXXX of XXXX with chase bank in XXXX XXXX California. 
I go and try to check my information on my checking account to get a message to call a number i called that number and they say that the are closing done my account.

Also i seen that so one was using my identity at Chase Bank. And chase been one of the banks who had a breach before you will think that they would ask for that person identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Transunion and XXXX have violated my rights to privacy and they are still reporting information that I have asked for them to delete. I have asked them for a ledger or account of where the companies got their information and how they arrived at the so called fact that I owe them. My next step is to file for compensation for me being stressed and the laws that they have violated. I have sent the attached letters several times I have sent my ID, proof of the Identity theft, and my Social Security card and their response is that they have not received them or they don't see them on their side this is wrong on so many levels and they should not be allowed to play these games. Please see letters from them and my response. Please make them adhere to the laws.

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 2021-04-14
Company: Experian Information Solutions 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:
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) against the credit bureaus for failing to properly investigate fraud on my credit report. I have been a victim of identity theft and tax fraud and have submitted multiple complaints to the credit bureaus to remove the fraudulent accounts from my credit report. However, to my disappointment, the credit bureaus have failed to remove these accounts from my report. 

The fraudulent accounts that remain on my credit report include XXXXXXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX with a balance of {$14000.00}, and XXXX XXXX XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$530.00}. In addition, there is another fraudulent account that has not been removed from my credit report. The account is with XXXX XXXX, account number XXXX, opened on XX/XX/XXXX, with a balance of {$1500.00}. 

I have repeatedly requested the credit bureaus to remove these accounts, but they have not taken any action, causing significant harm to my credit standing and financial well-being. 

I am seeking the assistance of the CFPB to resolve this issue and request that the credit bureaus take immediate action to remove these fraudulent accounts from my credit report. Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
Company: EQUIFAX, INC.
State: NJ
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 XXXX, XXXX XXXX reported additional negative information on my report I want removed.!! I never received any responses from the credit bureau. Please help I need this false information removed from my credit.XXXX XXXX below is additional information I also attached more information. 
XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX  XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XX/XX/XXXX {$1100.00} - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX-XXXX XXXX XXXX & XXXX   XXXX XXXX XX/XX/XXXX {$6500.00} - XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX-XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$4200.00} {$4200.00} XXXX XXXX XXXX XXXX XXXX, KS XXXX ( XXXX ) XXXX-XXXX  DEPT OF   ED/XXXX XXXX {$100000.00} Installment Current XX/XX/XXXX XXXX XXXX XXXX XXXX {$27000.00} - - Installment Current XX/XX/XXXX You have 9 Closed Accounts Account Name Balance Credit Limit Usage Type Status Opened On XXXX XXXX - {$100.00} - Revolving Paid XXXX  XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/XXXX XXXX XXXX XXXX XXXX - - 12 XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX DE XXXX XX/XX/XXXX Installment Paid XX/XX/XXXX XXXX  XXXX XXXX XXXX {$550.00} {$350.00} 158 % Revolving Negative XXXX  XXXX XXXX XXXX XXXX XXXX {$370.00} {$200.00} 185 % Revolving Negative XX/XX/XXXX XXXX XXXX   XXXX - - - Real Estate Unknown XX/XX/XXXX XXXX XXXX XXXX XXXX {$980.00} {$710.00} 138 % Revolving Negative XX/XX/XXXX XXXX XXXX XXXX {$0.00} - - Installment Negative XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXXXXXX Real Estate Paid XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I'm not used to all this credit stuff but I'm trying my best. I want to do more and I understand that credit is a necessity. I recently sent out a letter on XX/XX/2020 and I have yet to receive a response and it's now XX/XX/2020. That is almost 3 months! I'm sure that work is backed up and I understand but please I need assistance. I sent out a follow up letter to check the progress on XX/XX/2020. I learned that I have rights according to the Fair credit reporting act. You are in violation of those rights because you haven't responded. Please fix the incorrect information on my credit report provided in the letter I sent out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Rent Recovery Solutions
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a statement from " XXXX XXXX XXXX  XXXX '' XXXX XXXX XXXX XXXXXXXX FL XXXX, The complex is owned by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX FL XXXX. Subsequently I have also received a dunning collection notice from Rent Recovery Solutions LLC for the same amount of {$460.00}. I have disputed this amount as invalid and inaccurate. The amount of money they are attempting to charge me has no basis in fact, nor in the actual lease agreement. I am making a formal accusation of elder financial abuse that they can not support. The statement date from XXXX XXXXXXXX XXXX XXXX is dated XXXX.

Company response to consumer: Closed with explanation