BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-06
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I am contacting the CFPB because it is my last attempt of trying to correct the inaccuracies reported by XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX for account XXXXXXXX XXXX XXXX XXXX. I have called to speak to two managers XXXX and XXXX trying to escalate this issue to be resolved because it is not only hindering my life but causing a snowball of other problems all due to the negligence of the staffing at XXXX. It has been reported two late payments to my credit profile when in fact I have not been. It has been confirmed by multiple employees that the fact XXXX is reporting a late XXXX payment when my due date was XX/XX/XXXX, payment received XX/XX/XXXX ( six days later ) ; I should not be counted for a late payment when the payment is incapable of being labeled late until 30 days past the payment date of XX/XX/XXXX ( which would be XX/XX/XXXX ). I have called and complained several times of the need for call monitoring and coaching of staff who informed me that my automatic payments were active when later informed they were not causing me to log in the XXXX customer portal to manually submit one time payments. I have over a XXXX credit score, never experienced a late payment in my life which shows this is not a regular trend of actions but in fact is the opposite of my character and habits. I feel that the employee that informed me that my automatic payments were active should be held accountable and that the incorrect late payments reported should be removed immediately. I have personally sent in two packers to XXXX XXXX XXXX including a formal dispute which is attached with the details of the incident, copy of my XXXX credit report which noticeably shows my XX/XX/2021 payments as on time and a in depth 50 page packet of my credit report to show that I have never been late with any lender in my life. I am begging for help to fix this issue because it is inhibiting me from closing on my home with my family because it has drastically dropped by credit score and reflected negative payment pattern that is not true. I demand that the XX/XX/2021 and XX/XX/2021 late payments be immediately deleted for account XXXX 2021 XXXX XXXX and also the recorded phone conversation with XXXX XXXX services employee be pulled to show that I was given incorrect information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-27
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have transferred over 20,000 dollars to coinbase and they would not let me wire out my own money back into my own account at XXXX. 

They made it very easy to create an account at coinbase and to wire money IN but there website would not let me wire my own money back into my own account. I have sent 3 tickets about there " verification process '' that kept saying my address is incorrect or my social security is in correct when in fact I know it is correct. It has been 3 weeks and they have not responded to any of my tickets. 

There website tells me to wait 24 hours to verify again. I have tried this for several days and there system refuse to verify my account. If they did not verify my account, why did they even accept my wire transfer coming in to coinbase in the first place? 

Now I can not wire my own money back into my own back because there website is claiming I can not be verified because my Social Security is incorrect. I believe this is an excuse to take my money and hold it ransom.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: ENCORE CAPITAL GROUP INC.
State: NC
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 is nothing more than a bunch of crooks, this debt they're trying to collect, is so old, older than the statute of limitations. 

They never ever sent me a debt letter, giving me 30-45-days to review or dispute and ask for validation, I never knew this was even on my credit report until within the last several weeks, I emailed the CEO XXXX XXXX and he has ignored all my request. 

I had an Attorney sent me some information about how crooked this Business is. 
which is owned by Encore Captial, the Attorney sent me the 60-pages of  documents where they were sued by the Consumer Financial Protection Bureau for the exact things, they are doing to me. https : //files.consumerfinance.govXXXX This crooked Business will stop at nothing, They settled with the CFPA, but still breaking the same laws. claiming I owe them money for a credit card debt. 
this is insane, and they not once send me a debt letter, maybe to a third party which is illegal, but not to me, I ask for proof, such as a certified return receipt. 

But again CEO XXXX XXXX ignored all email request. I demand this illegal debt be removed from all three credit reporting agencies right away.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 called and sent a letter to this credit reporting agency about the following errors and violations. A fraud alert was placed on my account without my permission. My Address is XXXX XXXX XXXX XXXX XXXX Alabama XXXX XXXX. Please note that XXXX XXXX XXXX XXXX, Al XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX are not mine and should not be listed on my credit report. In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX- Account # XXXX ; XXXX XXXX- Account # XXXX, DPT Ed/ XXXX Account # XXXX ; DPT Ed/ XXXX- Account # XXXX ; XXXX XXXX- Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. These items have been reported inaccurately and without my consent as well as the following inquiries which i have disputed and filed an identity theft report with the Federal trade Commission. I have attached proof of the identity theft report, the letter that i sent certified, as well as the inaccurate results of Transunions investigations.

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 2016-06-22
Company: ECMC GROUP, INC.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am not sure why or what type of loan this company is calling me about because I do n't have any unpaid loans. They never leave a message, but they call 2 or 3 times a day and at all hours. Even 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 2023-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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:
Multiple requests have been sent to this company as well as Identity Theft Report What I requested again and did NOT receive : Please send me copies of the documents that you have in your files as of date that disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying accounts have been verified. Send me copies of the documents that you have in your files that you used to verify them. 

In accordance with section 609 ( e ) of the Fair Credit Reporting Act, please send me copies of business records relating to the the above referenced account number. The law directs you provide me with these documents for free and without requiring a subpoena within 30 days of getting my request. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that 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 that your office provide me with competent evidence that I have a legal obligation to pay you If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( I ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C & 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of verifiable proof within 30 days of receipt of this letter, you must remove these accounts from my credit report. 



What I received : Statements mailed A default judgment The documents received from Portfolio Recovery for the account opened in my name included statements and a judgment rendered without my knowledge. The date of this court document is in XXXX of 2019. I did not live at the address on the statement during that time period. This case was opened without my knowledge and consent as well as the account. I take identity theft very seriously and ask that again after multiple requests the original contract be provided or delete from my credit immediately. 


Attached : What was sent to me by Portfolio Recovery What I sent to XXXX Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
The following is a violation of my consumer rights. I am not liabe for the alleged debt with Account name : XXXX XXXX XXXX XXXX. / Account number : XXXX. The original Creditor, The XXXX  XXXX XXXX  charged off this debt and sold it to XXXX XXXX XXXX. I requested a Form 1099 -C from the original creditor but never received one. This is a violation because Form 1099-C must be filed regardless of whether the debtor is required to report the debt as income. This debt has now changed to income and must now be filed with my taxes. Ordinary income does not appear on your consumer report This means that the status of a Charge off is actually an illegal and fraudulent act and should not appear on any 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 non-monetary relief
Consumer complaint received 2019-04-17
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Didn't receive services that were advertised

Complaint:
Failure to receive a credit report as advertised On a website called XXXX there is suppose to be a way a consumer can get a credit report from each of the three credit bureaus once each year. I went to the site this morning with the goal of getting my three reports one from each reporting agency. In the process of following the promts I receive a file from XXXX and XXXX   that was what I expected. They both were PDF files with the information that I requested. 
The Problem was with Experian. I got a print file option, I ask for the file to be Print to File, the file that was sent to my computer was sent to Note Pad and totally unreadable. There was no option to get any other format. I tried to call Experian using the phone number provided on their website XXXX. This was also a problem because there were only two options provided 1 or 2. Neither option provided a way to talk wiith someone about my issue. 
I am writing this complaint because Experian has not provided me a copy of my credit report and I want to receive a copy. If they are not going to provide a copy through the XXXX XXXX website they should remove their business. Other wise it is being falsely advertised. 
I am especially concerned because last year I ran into a problem with Experian not providing me access to my credit report through their online system. I also found out through happenstance that they had frozen my account without any notice to me. I spent valuable time going through your agency attempting to get those issues resolved. I would like to know how is it that they seem to be unethical and continue to have a license to operate.

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 2017-08-27
Company: NCB Management Services Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is being reported by the credit bureaus as being owed by me. I have sent two letters - XXXX/XXXX/XXXX and XXXX/XXXX/XXXX - to this collection agency requesting verification that the debt ( {$3000.00} ) is mine, including my signature agreeing to this debt. This collection agency responded to the first letter saying, but not providing proof, that this is my debt. The second letter has not been responded to. I am requesting that since they can not provided indisputable proof ( my signature ) that this account be removed from my credit reports and that this collection agency cease and desist from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I do all my banking online. When I logged onto to pay my Citicard payment in XX/XX/2018, Citicard said it was converting my Visa to a MasterCard, and in the process, told me no minimum payment was due. I tried to make a payment anyway and the website would not allow me. Additionally, I did not have access to any of my account information and was not able to use the " Help '' function online. 

Yesterday, XX/XX/2018, I received a bill in the mail, and it said my account was 30 days past due and charged me a {$39.00} late fee. I immediately telephoned and made a {$250.00} payment and asked for the {$39.00} fee to be waived. I should note that I was on hold for a long time and the entire call took nearly 30 minutes. I was told I had to call back for the {$39.00} to be waived once the payment had posted. 

I called back today, XX/XX/2018, and 1. a customer service rep said she waived the fee ( which I can not verify because I have not access to my account ), and 2. I spoke with " XXXX '' in the Client Focus Team. I still do not have access to my account online, I still can not see the {$250.00} payment applied to my account, and I am not able to make my XX/XX/2018 payment in any other way except snailmail ( although I don't have any idea how much I owe because I can't access my account online ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-26
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have contacted XXXX XXXX XXXX and XXXX XXXX XXXX about inaccurate information reported on my credit report. Monthly they have reported that my account is in bankruptcy, with a {$0.00} balance, and derogatory. Also this is completely inaccurate information as I have a balance that I pay monthly on time. This has caused my credit report to drop 7 points. Each time this inaccurate information has been reported, I have called and spoke on the phone several hours with specialists about their reporting errors. They claim they have done everything to resolve this issue and refuse to provide me anything in writing pertaining to their actions.

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 2022-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re : Acct XXXX XXXX {$3900.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed.

Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt.

Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the ARRA, SEC. 13401. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. 13407 ( 1 ) BREACH OF SECURITY.

The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the XXXX XXXX XXXX for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective 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 2020-11-05
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/XXXX, I submitted a written dispute letter to Experian to dispute items on my credit report. I have not received a response and they have NOT provided me with a copy of ANY original documentation after several attempts.

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 2022-09-01
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: Account information incorrect

Complaint:
Things are still being reported inaccurately inquiries that I have not applied for are being reported that are not associated with me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: EQUIFAX, INC.
State: IL
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 I sent a letter to XXXX XXXX XXXX XXXX XXXX requesting a Public Record on my File be removed from my report. which show up as a bankruptcy, along with a letter from the U.S court house stating that they don't report to third parties. The Bankruptcy isn't even under XXXX XXXX. Equfax stated to me over the Phone that the U.S Courts Reported the bankruptcy to their company I ask Equifax to provide me with the information from the U.S Courts the person from Equifax stated that the cant.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Resurgent Capital Services L.P.
State: MI
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:
The company is reporting inaccurate information to my consumer reports. Reporting past due amount of {$380.00} without sending me any information about what this debt is from. I never did business or had any written contract with this company.

Company response to consumer: Closed with explanation