BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-14
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting an incorrect coding of the XXXX XXXX partial account numbers XXXX. This account needs to be coded as an M1. ( Please see pages 6 9 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect coding is harming my credit score and is a violation of the Fair Credit Reporting Act. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX, Comenity Bank/Lane Bryant lowered my credit limit without notice, and without my permission, and permanently closed my account on XX/XX/XXXX. This is adverse action, and federal violations of Regulation B 12 C.F.R. 1002.2 ( c ), 15 U.S.C. 1691 ( a ) ( 6 ). According to Regulation B 12 C.F.R. 1002.4 ( a ) and 12 C.F.R. 1002.4 ( b ), Comenity Bank/Lane Bryant has XXXX discriminated against me, and has inflicted discourgement upon me. According to 15 USC 1602 ( a ) ( p ) this is unauthorized use of my credit card. I did not benefit in any type of way, from Comenity Bank/Lane Bryant revoking , and closing my credit account unlawfully. I made a previous complaint via the CFPB. On XX/XX/XXXX, XXXX XXXX of the Compliance Department at Comenity Bank/Lane Bryant responded to my complaint via CFPB, and threatened to injure my reputation to the consumer reporting agencies by retaining my consumer information, amongst other civil and criminal acts. I never gave Comenity Bank/Lane Bryant XXXX XXXX XXXX XXXX XXXX, or permission, to report my credit information to the credit reporting agencies.This is a federal violation pursuant to 18 USC 876 ( d ), 15 U.S.C 1681s-2 ( 7 ), 15 U.S.C 1681a ( d ) ( 2 ) ( b ), 15 U.S.C 1691 ( a ), 18 U.S.C. 914, 15 U.S.C 1692d, 15 U.S.C 1691 ( a ), 18 U.S.C. 241, 18 U.S.C. 242, 15 U.S.C 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: Convergent Resources, Inc.
State: NC
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:
I have disputed this as fraud with company that appears on credit report. The debt keeps reappearing under another company with same amount

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 2021-09-07
Company: EQUIFAX, INC.
State: FL
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:
Equifax fraudulently added things to my report without my prior written consent .I demand to see the written consent that I gave equifax to report the listed inquiries on my report .no consent is identity theft .You are in violation of my right to privacy and are in violation of fraud for fraudulently reporting the following things on my consumer report without my written consent .I demand to see written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: AC AutoPay LLC, Denver, CO Branch
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
AC Auto Pay located in XXXX, CO claims that I owe a debt of {$8500.00}. I sent the initial letter of dispute on XX/XX/2018. I demanded proof that the repossession of the vehicle was in legal accordance with the following UCC : 9-506. ) EFFECT OF ERRORS OR OMISSIONS 9-611. ) NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. ) TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL & 9-613. ) CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. AC Auto Pay replied claiming that they sent a NOTICE OF INTENT TO DISPOSE as well as a NOTICE OF SALE OF COLLATERAL AND POSSIBLE DEFICIENCY. On the Notice of Intent to Dispose, the amount owed is {$8100.00}. On the Loan Billing statement, the amount owed is {$8000.00}. On my credit reports, the amount owed is {$8500.00}. As you can see, they have violated the federal law in more than one way. The repossession was not fully in legal accordance with UCC 9-506, 9-611, 9-612, and 9-613. This is a violation of FCRA & FDCPA and the entry must be removed. Furthermore, AC Autopay did not provide proof, bearing my signature on a certified mail receipt that I even received these documents that they allegedly sent via certified mail. I do not recall receiving these documents.

Lastly, AC Auto Pay did not furnish the credit bureaus with the required disclosure, within the period required by law. They are required by federal law to place a notice of dispute on the account within 30 days of my dispute, which they signed for on XX/XX/2018 ( I will attach a copy of the signed receipt ). I have retained a time stamped copy of my credit reports, showing that they have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) and/or the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period. 
As this company have violated federal law, by not properly providing the credit bureaus with proper notice within the required time frame, and I have evidence of such, via certified mail receipts, they must now remove the item.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-08
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:
I am XXXX XXXX and I am submitting this complaint myself. This account is reporting late as reported in Transunion. Lets correct this immediately. Transunion is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( 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 2019-05-14
Company: NPAS, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
WAS CONTACTED BY NPAS ON XX/XX/2018 AT XXXX XXXX ABOUT A BILL WITH XXXX HOSPITAL THE REP MADE ME MADE WITH HER SARCASTIC ATTITUDE. YES I SPOKE HER OUT TOLD HER THAT I HAVE BEEN WAITING ON A ITEMIZED STATEMENT FROM THEM 6 MONTHS HAVE NOT RECEIVED IT YET. SHE SAID WELL MAYBE YOU NEED TO MAKE A PAYMENT I SAID I WILL NOT BE DOUBLE DIPPED FOR MEDICAL BILLS.AND THAT I TOLD THIS TO THE OTHER COLLECTION AGENCY. SHE KEPT GETTING SARCASTIC AND I SPOKE HER OUT AND HUNG UP.

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 2018-01-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Initial contact XXXX XXXX XXXX, an employee of XXXX XXXX contacted me regarding an account they are trying to collect on. I advised the employee said account has already been paid to a different collection agency. She advised there was no proof of payment and they had acquired the account now. I requested information from her such as company name, company address, and/or name of lawyer she was working with. She advised she could not tell me bc the lawyer would be interrupted with unnecessary calls and disturbances. She advised that she was a mitigator and I told her I understood that but needed to know that they were not scamming me. She gave me 48 hours to find proof of payment or they would be serving me for court and will be getting sued. 
XXXX XXXX, XXXX I sent an email to the employee with attachments of a bank statement and email from INITIAL collection agency we had paid showing credit card confirmation numbers as well. I called the employee to confirm email was received but she advised me that her secretary needed to go through the emails and have it forwarded to her ; she could not confirm right away. One week later XXXX XXXX XXXX I receive a call from same employee stating she did not receive email. The same email I initially sent was re-sent XXXX XXXX XXXX and again XXXX XXXX XXXX. I attempted to call the employee to confirm receipt of email but was unsuccessful. 
XXXX XXXX XXXX I received a call from a different employee advising that they still had no proof of payment on account and advised me to fax the information. XXXX XXXX XXXX I faxed same forms, as advised, and obtained proof of fax transmittal. That same day XXXX XXXX XXXX I called this employee to confirm she had received fax and she advised me her secretary had to sort through faxes and once she received it she would call me. XXXX XXXX I receive a call once more where the employee advised she did not receive email. I advised her she requested a fax which is what I sent and she corrected herself and advised fax was not received because the fax machine must be broken. I advised her I was given the same response by prior employee and this needed to get resolved because I have proof of payment. She advised I can text image of forms I have showing proof and gave me the same email address I have been emailing from the beginning. 
XXXX XXXX XXXX I submitted via text and email once more information they are requesting. To this date XXXX XXXX XXXX, I have no proof from them as to who they are, what company owns this 'debt ', and no written letter from them to collect this debt.

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 2020-08-19
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I was charge {$40.00} plus $ for a BJ credit card which I do not want or use. I wrote to BJ 's at least three times on the statement that I did not want this card. I wrote at least 5 times to BJ 's & their bank - Comenity Bank - regarding same. They now claim I owe {$310.00} because of late fees. I can provide all my correspondence to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-17
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
****My LAST 4  SOCIAL XXXX, the system kept saying I put XXXX  # s in the XXXX social # field. XXXX I started getting letters from lawyers office saying I'm being sued by a debt collector because I owe XXXX  XXXX {$13000.00} for a account that was opened in XX/XX/XXXX, charged off XX/XX/XXXX ... I used to have a XXXX  XXXX account bout 10 years ago, limit was round $ XXXX, I never had a credit with a limit that high. I closed the account because of fraud and identity theft issues that kept happening. I have no knowledge of the balance/account they are saying I'm being sued for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XXXX XXXX I wired {$25000.00} from XXXX XXXX XXXX From XXXX XXXX To Coinbase ( individual Account ). They said the wire would be reversed because accounts didnt match. On XXXX XXXX I did NOT receive the money so I emailed to follow up, they said they were backlogged and would resolve soon. On XXXX I emailed again still No Money returned. On XXXX XXXX I emailed again included again all the info they needed. Where the wire originated how to wire me back. Ref # from the wire and still no REsponse. 

They have a customer support line but do not handle wire issues on phone, also waited 1 hr and no one answered. 

I am at wits end of what the next step. I have XXXX XXXX trying to help, but we have made no progress. 
I just want them to Wire my money back, Its almost a month. Ref # XXXX - wire ref #.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I am writing to complain about the collection practices of a debt collection company hired by XXXX XXXX. The company claimed to be called XXXX. The representative " XXXX '' threatened me and said if I did n't give her over {$4000.00}, which is more than what I owe, right away she would take it out of my check and it would be no less than {$15000.00}. She also called my job, and 2 relatives and told them there was a case out against me and I would be going to jail if they did n't tell her where I was. Her phone call was beyond threatening. I worked out a payment plan with XXXX XXXX and they were n't willing to accept it so they are threatening me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Addresses : XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-01-19
Company: EQUIFAX, 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:
I have been writing and disputing several accounts on my credit report since XX/XX/2016 due to me being a victim of identity theft.. Equifax refused to delete this account from my report. I provided a police report and a report from FTC and all notorized documents. I 've contacted the creditors as well and provided them reports and these accounts were deleted by the other bureaus but not from Equifax. The send the same letters back asking for my identification during each dispute which they already have on file with I believe that is to hinder my ability to have these accounts removed. I am frustrated and completely furious about how I am being mistreated. This is the same company that betrayed the consumers and refused to tell us about the breach of information so they can not be trusted in my eyes.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Closing the debt on my credit bureau reports is not the same as correcting the debt that I do not owe. In addition this incorrect debt is still on my renters history for an apartment I never rented. I have attached proof that the erroneous entries to my credit bureau reports should be corrected and the erroneous entries to my renters history should be removed. Please reference page 5 which states the administration fee is refundable if denied. Please reference page 6 which clearly shows I was denied. In addition any entries made in relation to XXXX XXXX XXXX, XXXX XXXX which is my Sisters address not mine, should be removed. Please be reminded that there is no court judgment that was arrived at, that would give you the authority to enter this debt on my renters history.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Sequium Asset Solutions, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting phone calls every single day. I don't owe any debts to anyone or any company. 
Ive called them 4 times in a row to get information & they wont tell me anything. They just ask me questions about my family members and personal information. Which I refused to give them because they are calling ME. 
When I called them back they said someone I know used my phone # during an application for credit or utility of some kind. They wont give me any other information. 
I told them to stop calling me because I dont owe them anything. 

SEQUIUM - ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On aprox XXXX XX/XX/2021 i was scammed out of XXXX on my Coinbase account,,, on that date i seeked help on Coinbase support page and a box came up they said they was Coinbase support, ,keep in mind this happened on Coinbase support line. Anyhow it was a first time to contact Coinbase so i didnt know how it worked they have no phone just the support line which i was using,,, i wanted to know if i could change a withdraw i just made. They said yes so i went thru the process yes i gave my password but i question it, they said they are Coinbase and if i wanted the help i needed to do so they also said i was typing the password into a bot which no human can see. After that my account was froze and over a 3 day period withdrew XXXX out of my account.I contacted Coinbase after may times and no help... Like i said they have no phone, the only thing they have for customers is a support line which is what i got scammed on. i can prove this as i took parts of their scam i took screen shots, Also after i was scammed they added support to the support line meaning now you need to submit a code from your e mail to send a support question. If that was in place i never would of got scammed,,, they also added a somewhat phone support meaning you apply for a card from Coinbase and when you get the card you can call them now,, which if that was in place i wouldnt of got scammed i would have called first. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Hello, I have been using Coinbase.com to purchase some cryptocurrency. To transfer money in, I had to use a XXXX transfer from my bank ( XXXX, XXXX ). I made the transfer from my XXXX  account on XX/XX/XXXX and it arrived 2 days later in the Coinbase account. The instructions requested that I use a specific identification code in the transfer, which was fine.

I wanted to withdraw a quantity of that money back to my XXXX account, for which Coinbase requested that I send another XXXX transfer for a small amount to verify my bank account, which I did on the XX/XX/XXXX( at a flat fee of XXXX per transfer ). Since then, Coinbase has refused to verify my account and I am left with XXXX of my money stuck in their account.

I have mailed Coinbase on two occasions about the issue, on the XX/XX/XXXX and XX/XX/XXXX, to which I have received automated responses. I have read of many other accounts online that have suffered the same problem with no help from Coinbase.

I need access to my money immediately and they are refusing to let me withdraw it back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XXXX XXXX, I reached out to AMEX and chatted with a customer Representative to work out a payment plan on my Credit card with I was late 91 days. This happened due to been hospitalized because of XXXX and my XXXX XXXX XXXX because of XXXX. The Customer representative agreed to debit my checking account on XX/XX/XXXX ( {$500.00} ) and XX/XX/XXXX ( {$500.00} ) and I was to pay the remaining balance before XX/XX/XXXX. Today XX/XX/XXXX I submitted the remaining balance and found out that my account was cancelled. I called AMEX and representative " XXXX XXXX '' from the XXXX, XXXX office told me that the prior customer service representative which I chatted on XX/XX/XXXX did not give me the correct information and there was nothing that he can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXXXXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  Inquired on XX/XX/XXXX XXXXXXXX XXXX  Inquired on XX/XX/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