BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-12
Company: Asset Collections Inc
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I hired an air duct company to clean out the ducts in my home for a price fixed. After the service man cleaned out the ducts in my home, he showed me all sorts of service plans to sign up for. I barely had the funds to cover the cost of the services performed of the one and only service call in 2017 that I had agreed to. Apparently the invoice I signed for the services performed is being stated by collection attorneys, as a contract that I signed for future services. I did not sign any such contract. I do not know if the service man had switched paperwork and had me sign a contract instead of the invoice for the service performed. But I did not agree or sign to agree for any future services. I have been contacted by an attoney from Asset Collections inc demanding that I pay. And he states what I signed was a contract for services and that I now owe {$2200.00}? I never agreed to such a contract. I never made any payments toward any such contract. I paid what I owed for the one time service call. The sneaky tactic of stating that I signed a contract when I believed it was the invoice for the service, is unfair sneaky practice. I was polite to the service guy and told him that I would consider the contract with his company in the future. But as he personally witnessed I did not even have enough credit on my card to pay the intitial service fee. I explained this to the attorney from the collection agency that keeps calling me and telling me that they are going to sue me for this. Please help me stop this unfair sneaky tactic of switching the invoice and turning it into a contract for future service. I did not want not could afford. I did not sign a contact. I signed a service invoice. That is what I was told. I told the service man that I could not commit to any contract or future service. And I said I would contact his company if indeed I did want a service contract. Which I did not. Now I am being bullied by this attorney from the collection company stating that I signed a contract? In the collection letter they are threatinf to contact and report this alleged debt to the IRS. And stating that a form XXXX will be filed and it will show that the {$2200.00} becomes income and a bad debt for XXXX XXXX XXXX XXXX XXXX XXXX. Is that even legal? I have explained the misunderstanding to the attorneys from collection agency numerous times, only to have them state you signed it and you owe it and we will sue you to get it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My XXXX XXXX XXXX accounts should have been in a deferment or forbearance XXXX XXXX XX/XX/2017. My XXXX  loan is showing correctly but my XXXX  XXXX is not. I have filed multiple inquiries with the 3 CRA 's and with XXXX XXXX directly with no resolution. 
Each account with XXXX  XXXX is showing 6 DQ payments, for each loan and it is severely impacting my score. The information caused other card issuers to close my accounts in 2017. I was promised investigation by phone with XXXX without any resolution. Every-time I have called, individuals say they can see the error and submit a request to adjust but then nothing ever comes of it.

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 2019-02-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery called this phone number this morning, a number they only have because my company used to be owned by them, asking for me under an old name. I asked if she was calling from PRA and she refused to answer me, kept asking if i was XXXX ( my old name from years ago ), I told them in the past not to call this line, when i told her this she continued to ask if i was XXXX, disregarded what i said- i repeated " you are NOT allowed to call this number ''. She found the number in the employee directory ( PRA has yet to remove our information from their own database even though they sold this company 18  months ago )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: NY
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 was on forbearance with XXXX and was then never informed that I was off of forbearance. They subsequently reported all 6 of my federal loans as being 90 days late in XX/XX/2019 to the credit reporting agencies, which is false. The attached email shows that I was unaware that my forbearance was taken away until XX/XX/2019 when I was put back on forbearance.

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 2017-12-04
Company: Medical Data Systems, Inc.
State: CA
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 can find right place to post this. Your web site needs work. I tried to look under resources and tools could not open. Please try your own web site. I want to send this to the people i know, most know nothing about this agency. 
I have alwways been in trouble with collection agencies becaue of medical bills. I pay what i can but it is never enough. I had a CPA tell me they cant charge interest on medical bills. " I said alot you dont know, about how this works. I have been in trouble with a XXXX bill or a XXXX bill all get interest and inpossible to get off. Interest should not be charged. Insane, couldnt afford the bill in the first place, sometimes they are co pays, others they are things my insurance ( at the time ) wouldnt cover. Please this is nuts. Stopr interest on medical bills. ( because it is the right thing to do!!! ) This has caused medical bankrupcies, and is still a problem for year and years. ( becasue my daughter is very ill and now i am old, fiexed income and cant fit them. Ant they dont have to send you a bill, they just put it on there. Crazy.

Change a rule about interest. and fix your web site, I woudl be courious to know what is in the tools.

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 2019-02-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
XXXX  notified me via email that my dispute was open, however, I was not immediately able to access the dispute and further there is consideration that all three credit report ( s ) are being dispute with knowledge that I have not been able to fully view XXXX Credit Report and the sites only allow limited space to refute information and/or allow a blanket statement. Therefore, I am attaching my full statement as it pertains to the dispute on my credit report ( s ), et al. in addition to my past credit reports that have already been submitted.

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 2019-09-18
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
My Union Bank had deducted an amount of {$1800.00} from my XXXX XXXX on XX/XX/XXXX. 
The credit was not available on the XXXX of XX/XX/2019. I called the customer service people at UB Credit Card ; who said it is totally at their discretion as to when they release the funds - is this possible?

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 2020-05-08
Company: Experian Information Solutions 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: Information is missing that should be on the report

Complaint:
Can not access EXPERIAN Dispute Center online for the past year. " We're experiencing technical difficulties and can not access your report at this time '' is the message that perpetually appears. 
Furthermore, no one answers EXPERIAN 's published phone number ( XXXX ). Customer courtesy and service is totally lacking. 
Why should consumers have to purchase an envelope and stamp and go the the Post Office to register a Dispute in these troubling times?

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 2019-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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 was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/ 2019 ( all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: EQUIFAX, INC.
State: NY
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:
AFTER RECEIVING A CURRENT COPY OF MY CREDIT REPORT, I DISCOVERED SOME ENTRIES THAT WERE IDENITIFIED AS INQUIRIES WHICH QUALIFIED FOR DELETION FROM MY REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/29 found a {$350.00} unauthorized charge and immediately filed a dispute. So no action and called the dispute center and was assured they were working on it an I would receive a conditiona credit. In todays statement the is an indication the conditional credit was reversed. Received no communication this, and was initially there would no charge in this months statement. 
Unable to locate the company who initiate the charge to see what's going on

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 2017-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Since the beginning of this year, I have fought tooth and nail in trying to correct items on my credit report with Transunion. The wrong address are still being reported, the wrong employer as well as inquiries. In additional to the XXXX XXXX XXXX, I became a victim of fraud in the worst possible way. Late fees have appeared on my credit report, credit cards that I did not approve - XXXX XXXX, high credit card balances due to fraud have all shown on my credit report. These issues has been dealt with, with each creditor, but has yet to my removed from my 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 explanation
Consumer complaint received 2022-08-10
Company: United Credit and Collections Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
On XX/XX/2020 I mailed a debt verification letter to national credit systems in regards to a debt in my name. I sent it certified mail and it shows they received it XX/XX/XXXX. I called a few weeks after for an update. I was told that since I wanted this information the police would be sent to my house and a police report would be made out for fraud. I only asked for information on XX/XX/XXXX they sent a bill but no verification to the debt which is required by law to answer in 30 days. So theyre trying to say they sent something but they didnt just a bill and no verification and a threat to call the police for fraud since I was fighting the claim. By law its a requirement to answer if not then to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I tried to take {$500.00} out of the atm on XX/XX/2018 but when I tried the atm said that it couldnt disburse that amount and I needed to enter a lower amount, so I tried again with {$300.00} and it said the same thing. At this point I gave up and canceled and took my card and left. Later that night I checked my online banking account and say the {$500.00} on my statement it said it was disbursed when it never came out. So I called and filed a dispute and they just informed me it was denied and they are basically stealing my money and Im very upset. Please help me

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 2019-02-12
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I awoke to a series of emails from Paypal. Two of them stated that I added a new address to my account. Two of them stated that I added a new credit card to my account, two emails stated that there were funds sent out of the account for purchase, followed by an email stating that there appeared to be suspicious transactions and an email or two about changing my password. Obviously, my account was hacked, as I did not authorize or initiate any of the transactions. I went into my account ( dont remember if I followed a link from one of the emails, or entered the account separately ) and changed my password. At this point, it looked like Paypal was aware that there was an issue and it looked like theyd take care of it. 

XX/XX/XXXX I noticed that a {$2900.00} charge appeared on my XXXX XXXX credit card. Instinctively, I called XXXX XXXX and reported that the charge was fraudulent. XXXX  XXXX told me they would take care of it and removed the charge from my account. What I found out much later from PayPal, was that I should have contacted them instead of XXXX XXXX. I had no idea. 

XX/XX/XXXX XXXX removed from my account by XXXX  XXXX XX/XX/XXXX XXXX charged back to my XXXX XXXX card << XX/XX/XXXX to present Multiple, hours long phone calls with XXXX  XXXX and paypal attempting to resolve issue>> XXXX XXXX tells me that their hands are tied because PayPal claims the transaction looks legitimate to them. That is simply impossible, as the account was clearly hacked. I recently learned that the XX/XX/XXXX emails were part of a phising scam - which Paypal acknowledges. They ( PayPal XXXX refuse to do anything about it because I took up the matter with XXXX XXXX instead of them - nonsense. 
A USPS tracking ( given to me by PayPal ) shows that an item was delivered to my address that relates to the {$2900.00} transaction. I did in fact receive an unsolicited, small brown envelope from XXXX that contained a small, plastic XXXX XXXX toy. The various emails on the XXXX all point to a source in XXXX. 

XX/XX/XXXX - Discovered that all the XX/XX/XXXX emails from PayPal were phising emails. 
XX/XX/XXXX - Forwarded all XX/XX/XXXX emails to PayPal ( XXXX ). 
XX/XX/XXXX - Received replies from PayPal acknowledging that emails were fakes. No further responses since from PayPal. 
PayPal refuses to discuss my case, claiming they have closed it. Unacceptable to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-25
Company: SELECT PORTFOLIO SERVICING, 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: Personal information incorrect

Complaint:
I have wrote XXXX over 20 times that it is displaying wrong name and address Issue # 1 [ Name ] Wrong : XXXX XXXX - Name ID XXXX Wrong : XXXX XXXX - Name ID XXXX " Correct - XXXX XXXX XXXX - Name ID XXXX '' Issue # 2 [ Address ] Wrong : XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX - Address XXXX Multifamily. 

Issue # 3. 
A XXXX company named " Select Portfolio Servicing '' accessed my credit report WITHOUT my permission on XX/XX/2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: Penn Credit Corporation
State: SC
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:
After several attempts to verify and validate the debt being reported on my credit file it was unsuccessful. The information is being incorrectly reported and they havent responded nor validated/verified the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, I sent Equifax a dispute regarding information that was noticed on my credit report. 

My name is wrong in their system. I sent my driver License, my ssn, my current and previous address, along with the initial dispute from my credit report. 

Today XX/XX/2019. I received a letter from Equifax stating that they needed more information. The information needed was what I already sent. This proves that Equifax is violating my rights to having correct information on my credit report. Equifax has failed to investigate my report regarding incorrect information listed on my report. I want all information sent to Equifax on XX/XX/2019 to be deleted due to Equifax failing to conduct a proper investigation. 

I want all of my personal information updated accordingly!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12
Company: Coinbase, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase, the crypto currency wallet/exchange company, due to security reasons disabled my account and told me it would take 4 business days for them to verify the cause and give me an answer. Its been more than 8 business days and i still have n't heard back from them. Customer support stopped answering phone calls due to high volume of traffic. And when they did, about 3 days ago, they could access the account but werent able to give you any information. I spoke with at least 5 representatives and all they said was that i just needed to wait for someone to contact me by email. My funds are frozen and i cant access my account, I looked online to see if more people were having the same problem and found out there is thousands of complaints of people blocked out and accounts disabled for months. I currently have XXXX dollars and seems like i 'm going to loose my money. I thought this was a serious company since its based in XXXX XXXX and its the biggest crypto currency wallet in the world. 
Please do something!!!

Company response to consumer: Closed with explanation