BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by IQ Data International who 's office according to a letter I received in the mail is based in XXXX, WA. I contacted this debt collection agency to work out a debt payment plan and was put in contact with an individual named XXXX XXXX at XXXX x XXXX and his supervisor XXXX XXXX at x XXXX. I was told by XXXX sometime during the last two weeks of XX/XX/XXXX that I would only have to pay a sum of {$800.00}, and this conversation and all others I was notified by XXXX was being recorded, I first made a payment of {$200.00} and two weeks later made a payment of the remaing {$600.00} over the phone. XXXX XXXX had me give my Debit Card information and security code to him over the phone to arrange the payment, unknown to me IQ Data International had already charged my account almost {$600.00} in the form of a check that same day. I unknowingly paid DOUBLE the amount I initially agreed to and was not notified that this circumstance had transpired until my card was declined at a convenience store while I was trying to buy my child supplies and gas for my car. I have made numerous attempts at contacting IQ Data International and have received absolutely no word at all and no one has made any attempt at resolving this issue with me. At current standing my bank account is overdrawn $ -XXXX. This is absolutely unacceptable. I would be glad to let them keep the agreed upon payment of XXXX XXXX if they will refund me the other {$600.00} plus a {$35.00} overdraft fee. I have already contacted the BBB and filed a complaint, I will continue to report this issue to every department of the Federal Trade Commission, Offices for Consumer Protection, and the Trade Commissions and Attorney Generals Office of Washinton State until my funds are returned and this issue is resolved.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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/2021, I sent a letter regarding the Late payment reversal on my credit report. 
On the Attach proof, I encircle the late fee reversal which they charge me by mistake. 

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

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 2022-02-17
Company: FISERV INC.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter from TRS recovery services claiming I owed a debt of {$58.00} through XXXX XXXX. XXXX couldn't verify I owed anything. I don't know where this amount came from.

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 2017-12-29
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
On XX/XX/XXXX, Coinbase opened trading of XXXX XXXX ( XXXX ) on their exchange. Before they opened the market, they were taking orders in which I placed a Limit Buy order. Once the market opened, the Limit Buy did not apply due to the heavy buying pressure. I then placed a market buy of approximately {$80000.00} for XXXX at approximately {$3800.00} per coin. By the time it filled a few seconds later, it filled at {$8900.00} per XXXX. I immediately placed a market sell as I did not expect the price to more than double in a matter of seconds. Despite multiple sell attempts, my order would not sell. All the while the price of XXXX was increasing until Coinbase halted trading at {$9500.00} per XXXX. The halted trading for about 20 hours and when it resumed, the market price was reset to approximately {$4300.00}. There are several questionable actions by Coinbase that caused a large sum of money to be lost which is why I am filing this complaint : 1. My market order at {$3800.00} did not fill until {$8900.00}. 
2. Selling was not working. 
3. They froze trading and reset the price to {$4300.00} which immediately cut my investment value by over 50 %. 
4. Immediately after the price increase, there were insider trading allegations against Coinbase due to the massive price pump during the time my trade executed. These are still being investigated. 
5. The price of XXXX on Coinbase was nearly triple the price on any other exchange further reinforcing the suspicion of price manipulation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: OH
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/2021, I sent a letter regarding the Late payment reversal on my credit report.

On the Attach proof, I encircle the late fee reversal which they charge me by mistake.

15 U.S. Code 1666 - Correction of billing errors Billing error For the purpose of this section, a billing error consists of any of the following : ( 1 ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement.

( 2 ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof.

( 3 ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction.

( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of the accounting nature of the creditor on a statement.

( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: ERC
State: IL
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 AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Enhanced Recovery Company , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ) ,15 U.S. Code 1681 ( A ) ( 2 ), 15 usc 1692j ( a ), 15 usc 1681e ( b ), and 15 usc 6801 ( a ) ( 1 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: Resurgent Capital Services L.P.
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:
LVNV FUNDING has reported false open dates onto my credit account re-aging old debt and they did not send proof to collect on this debt when asked

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : 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 2017-07-11
Company: Navient Solutions, LLC.
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out private student loans from XXXX XXXX when I attended college between XX/XX/XXXX-XX/XX/XXXX. I had 4 loans from them, which they had separated into two groups. I have been paying the two groups separately assuming each payment would be applied to the " loan group '' I was making the payment for. <P/>Long story short, I was paying over the amount due to each group, assuming the overpayment would applied appropriately to each group. I have recently discovered that was not the case, they were combining the payments and not applying them the way I believed they would be applied. Example I owed {$200.00} on group a, and paid {$230.00} to loan group a, I owed {$250.00} on group b, and paid {$270.00}. In all they combined the payments to total {$500.00}, and applied only the owed amount ( some cases slightly over ) to group a, and the rest to group b. <P/>My question here is : Can they combine, what I believed to be, 2 separate payments and apply it as they deem fit? I have been paying these loans back since XX/XX/XXXX and have barely made a dent in two of them, one is paid off and another is about to go over the original term agreement for repayment, which I believed would not be an issue because I had been paying over the amount owed each month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
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:
The credit bureau is refusing to delete two collection accounts on my credit report that are not mine. They are all reporting under the same collection company called " XXXX XXXX '' with different account numbers. The first account is for {$2900.00} with account number # XXXX. The second account is for {$1000.00} with account number # XXXX. I have spoken to representatives at this XXXX XXXX company and the records that they have do not match my personal information. I was directed to dispute these errors with the credit bureau to have them deleted from my credit but the credit bureau is coming back telling me that I need to contact them back. I am being given the runaround when the issue is really with the credit bureau who does not want to fix their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: EQUIFAX, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
My information was impacted by the Equifax data breach and may have got into the hands of the wrong person. Now I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. this is not a regular dispute I have filed a complaint with the federal trade commission and better business bureau because to my knowledge I do not recall any of these accounts. I need this problem fixed asap i will not wait another 50 days to receive no response because dearly yawl ignoring me. i demand these accounts be deleted immediately or ; will file for litigation due to the stress you caused me. Section 611 ( a ), it is plainly slated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 50 days so they should be deleted promptly. What was sent to me was a copy for the monthly statements. That is not proof that the account is fine. I've sent in Identity Theft Documents previously and FTC Report and yet i have not received anything in the mail. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 
Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-11
Company: Continental Finance Company, LLC
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Around XX/XX/XXXX i began to fall behind on my payments. I was going through problems at work witch led to me resigning my position on XX/XX/XXXX. I then filed a state and federal descrimination charge witch did not get officially filed until XX/XX/XXXX due to backlog in the state. Due to resigning my position i had to appeal in order to receive unemployment due to the descrimination and other illegal actions taken by my employer i was found eligible to recieve benefits XX/XX/XXXX this also took so long due to state baglog. After searching for the forms for weeks for Continential Credit Portection i finally printed the document and sent in not only the requested information but a very detailed log of what happened with printed court records marked confidential so they could understand why there was a delay in filing for credit protection. I now receive a letter that states credit protection is declied because i was not billed for it during the date of loss. This is inccoret i still am billed every month for FEES, CREDIT PROTECTION, A XXXX DOLLAR PER MONTH ACCOUNT MAINTENANCE FEE. The balance on the account has exceeded my credit line by double in less than 6 months just in fees.

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 2019-05-13
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: Account information incorrect

Complaint:
XXXX aNd Equifax are again reporting that XXXX XXXX XXXX XXXX has listed my closed and paid in full account on a prior lease as .charged off as a bad debt. XXXX XXXX and Equifax are either culpable negligent in carrying this listing or are being intentionally vindictive. As for XXXX XXXX XXXX, XXXX actions, I can only describe it as intentionally deceitful. 

And the timing could not be worse, given that I have applied for amortgage loan to finance my purchase of a condominium unit. 

The companies knew I had earlier filed several complaints with the Ageny regardingthis verymissue. Most recently XXXX recogjnwedsized thaits listing was dead Wrong and its aggredd to correct it then and in the future. XXXX had known that the difference in the lease tit claimed 1 had been, in fact, paid dinnXXXXown by its own policy of gap coveragethat I had purfhaased at the onset of thee Lease. XXXX isudcuts apoloygybto me, corrected its report to show that the account had been always paid on time and that in had fulfilled all my duties to it under the lease. Indeed, XXXX gave me a {$250.00} gift card to show its alleged regret. 

Well this has again reared its ugkyhead, and this time Ill not be mollified by a {$250.00} gift card. I want justice!, Why has this very issu agin been the subject of the craven behavior oof XXXX, with the the virtual assistance of XXXX  and Equifax ''? wrondoers must be subject to a al fine, ... 
We must pursue a full invrsstigstion I tot this matter and these three Wrongdoers must publicly acknowledge their misdeds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-11
Company: BC SERVICES, INC.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On   XX/XX/XXXX   I went to a bank to apply for a credit card. I was denied based off multiple collections that I didnt know about. Upon calling them to ask what they were they told me they kept receiving return mail and gave me the address they had on file and told me I owed {$840.00}. i proceeded to tell them that the address they had was wrong, I told them I had no idea about them. They then told me the address they had was what was sent to them from their customer.   I feel I shouldnt be held responsible for the collection since they were at fault for the wrong address but they told me I am at fault whether I knew about the wrong address or not. I personaly and my families lawyer feels I should n't be held responsible for their mistake.   They wo n't give me anything in writing stating if I pay in full they will immediately take it off my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-17
Company: Experian Information Solutions Inc.
State: VA
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 never applied for this account. 

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$580.00} written off. {$580.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$580.00} Balance updated XX/XX/XXXX Recent payment $ 0 Monthly payment {$0.00} Credit limit {$400.00} Highest balance {$580.00} Terms NA On record until 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 explanation
Consumer complaint received 2021-04-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my credit which I don't recognize. I have recently been working diligently to improve my credit and came upon unknown inquiries as well as fraudulent accounts. I have successfully achieved the removal of the fraudulent accounts but the credit bureaus have not been very cooperative with the removal of the inquiries. 
Experian, XX/XX/XXXX and XX/XX/XXXX all list the following inquiries which I am not responsible for : US SM BUS ADMIN XXXX ( Federal Government ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX ( Local Telephone Svcs Provider ) Inquiry Date : XX/XX/XXXX XXXX XXXX Farm & Garden Supplies and Svcs ) Inquiry Date : XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards ) Inquiry Date : XX/XX/XXXX XXXX XXXXXX/XX/XXXX( Services ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX XX/XX/XXXXMiscellaneous ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Bank ) Inquiry Date : XX/XX/XXXX XXXX XXXX XXXX Bank ) Inquiry Date : XX/XX/XXXXXX/XX/XXXX Finance ) Inquiry Date : XX/XX/XXXXXX/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 explanation