BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-25
Company: Receivable Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter from Receivable Recovery Service LLC dated XX/XX/2020. The letter stated Notice of Default with a balance of {$330.00}. I logged onto their system XX/XX/2020 disputing the account and asking for validity of debt. Please note that this company violated the FDCPA laws because for one they reported it on my credit XX/XX/2020. Which was before I even received the letter which stated I have 30 days from the date of notice to dispute the validity of this debt. I made aware of this being reported on my credit through an app called XXXX XXXX. This company made a negative remark on my credit and back dated it to XX/XX/XXXX with a mark saying disputed by the consumer! They did partially respond to my request for validation of debt but they did not provide all requested documentation for an account that does not belong to me. They responded on XX/XX/2020 and I asked for documentation on XX/XX/2020 to the person with an email address of : XXXX I never heard anything back from them. A copy of communication is attached to this complaint. They have violated a lot of my consumer right and have made a negative remark on my credit! They need to be fined and they need to delete this from my credit history! For one I dont owe and didnt owe the debt. Once I saw it on my credit report I freaked out!!! I paid half which they didnt even report that payment until I threatened this on XX/XX/2020. They updated the payment and still once again ignored my request of proving me with proof that the account belonged to be. They never provided proof that they are licensed to collect in my state which is Florida. 
They were inconsistent with the amount due! The letter stated {$330.00} and they reported to the credit bureau as {$240.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: National Credit Adjusters, LLC
State: UT
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:
National Credit Adjusters have been reporting and attempting to collect a debt that is not mine. They claim it is from some company called XXXX, when I look them up it is some type of loan place. I have never one time done business with that company nor did I ever sign anything. I do have a common name & have had my identity stolen. 
My credit is very good and I pride myself in having good credit. This account that is NOT mine I have been fighting this collection company for so long trying to get them to prove to me that it is mine. They have yet to prove it and it was affecting my business & financing that I was forced to pay the debt recently. 
I demand they prove it is mine still! I have an attorney and will pursue legal action due to their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I spoke with the hospital billing department concerning this 4 year old bill. 
They informed me that the bill was paid. They had problems with the insurance company as hospitals do in collecting payments from the insurance company. So merchants credit is willfully and wrongly reporting incorrect and damaging information to my credit report. Please take the necessary steps and fine merchants credit and compensate me for damages done to my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Resurgent Capital Services L.P.
State: FL
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:
XX/XX/2021 I mailed a certified dispute letter to LVNV and they never responded nor sent back any correspondence. it has been more than 30 days! there is multiple inaccuracies on my credit report. XX/XX/2021 I mailed a new dispute in hopes my deletion request is honored. this company is violating my rights and they have over 1200 complaints on CFPB they also have over 100 complaints with the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
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: Their investigation did not fix an error on your report

Complaint:
the credit bureaus are reporting bankruptcy filings on my credit file.they do not contract with the bankruptcy courts. i asked where they gathered my information from, they refused to say. i asked who it was stole my information, so that i could sue them, they refused to give info to me. I asked where is the Law the code, that allows them to steal my information, place it in my credit file, without a contract with me, without my consent, and all 3 bureaus have refused to provide this law. i asked the bankruptcy courts, the code, the law, giving me them the authority, to take my information, profit off of it, without my consent, they can not provide this law. the credit bureaus are doing ultra-vires acts, no authority from Congress, its Frankenstein running the show. can anyone stand up to these giant corporations that abuse the american people.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-03-09
Company: Coinbase, Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I purchased a digital currency on Coinbase on XX/XX/2017. They sent me an email saying my bank denied the transaction. I looked in my bank account and they had taken the money from my account. I gave them the XXXX transaction number. I talked to my bank, they said I need to contact coinbase to solve. I opened a ticket the next day. I have sent 20 emails and they keep saying they are working on it. Its been 3 months. Below is the info I sent them. They are not responding. 


I made a purchase of XXXX ETH for {$600.00} on XX/XX/XXXX with my XXXX XXXX debit card on file. You ( coinbase ) took the {$600.00} from my account. You then sent me an email saying my bank declined the purchase! It did not! Below is the XXXX transaction number from my XXXX XXXX debit bank account. I contacted them, XXXX, and they said you took the money and I need to solve it with you. Thats when I opened a ticket. Here is the XXXX ID number. 

XX/XX/2017 WITHDRAWAL CHECK CARD COINBASE CHEAPSIDE GB DATE XX/XX/17 XXXX XXXX Here is my ticket number they gave me Case # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio Recovery called me in XXXX around XXXX. They told me about a debt they bought and I paid it. Then they told me about a second debt they had. I told them I would pay it later 2-4 wks? But I got a job offer that required me to move and I needed the money I was going to pay the debt with. They called me once a month then once a week before I had the money again to pay them. I got angry and changed my cell phone number. However I applied for credit again and shortly thereafter XXXX  started calling me again, sometimes 2-3 times a week. I had received an email from them asking my permission to contact me that way and I agreed. After numerous calls, I emailed them rescinding my permission for all contact. When they kept calling me, I sent a letter. I answered a few of their calls and asked them to stop calling my personal cellphone. After they say they're collecting a debt they say they can not take me to court and it feels intimidating. If they can't take me to court bc of the age of the debt and I've asked them to stop calling me WHY ARE THEY STILL CALLING??? I DO NOT RESPOND TO HARRASSMENT AND INTIMIDATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-27
Company: Experian Information Solutions Inc.
State: IA
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:
In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX - XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX  XXXX / XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act, XXXX XXXX XXXX XXXX, has violated my rights. 

In Accordance with the Fair Credit Reporting act,, has violated my rights.

In Accordance with the Fair Credit Reporting act,, has violated my rights.

15 U.S.C 1681 Section 602 A. STATES I have a right to privacy. 15 U.S.C 1681 Section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-29
Company: WESTERN UNION COMPANY, THE
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have had issues transferring money only through XXXX XXXX since the spring of XXXX. Although the transactions were initially approved, they were subsequently cancelled for no apparent reason. I continued to have the same issue with all transfers attempted online. A customer service rep in XXXX told me that the transfers were denied for " security '' reasons, but refused to elaborate. Because I was unable to make the transfers online, I could only set them up online and then go to a XXXX outlet to pay for them. I did this successfully until last XXXX, when I was unable to set up " pay in the store '' transfers. I contacted the same rep of corporate resolutions, but never received an explanation for what went wrong. The rep provided promo codes that would supposedly waive the excessive fees charged in points of sale for XXXX. The codes supplied only work online and are not accepted in XXXX offices. Yesterday, I attempted to set up a pay-in-the-store transfer online and was again unsuccessful. There were no error codes provided, but I could not complete the process. I called XXXX several dozen times, and in each case was routed to a call center in the XXXX. Employees there refused to provide their location and refused to transfer me to escalations in the XXXX. Today I called the corporate offices of XXXX several times and tried to speak to a rep in Executive Resolutions with whom I had spoken last year. She did not respond to my voicemails. I tried several other numbers for corporate offices, but in all cases was routed back to the call center in the XXXX. The names of the call center employees I wrote down are : XX/XX/XXXX XXXX XXXX and a supervisor named " XXXX '' who said he worked on the floor of the call center. The person with whom I corresponded in the Executive Resolutions Office is : XXXX XXXX Executive Resolutions Specialist XXXX XXXX XXXX XXXX XXXX, CO XXXX Direct line : XXXX XXXX Fax : XXXX I also spoke with : XXXX XXXX XXXX Customer Advocate Office US : + ( XXXX ) XXXX ext. XXXX Office Intl : + ( XXXX ) XXXX ext. XXXX E-mail : XXXX westernunion.com

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-02-01
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 working extremely hard to establish my financial security. Several individual account disputes for incorrect reporting has gone unattended or updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: EQUIFAX, INC.
State: TN
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:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XXXX XXXX, XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 2016 {$450.00} {$450.00} XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX This debt has been sold so many times and nobody can validate it for me and I can ; t keep up with what collection company it is at half the time. 
I do n't believe its mine either.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: EQUIFAX, INC.
State: NC
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:
XXXXXXXX XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXXXXXX XXXX  XXXX XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent. 
XXXX # XXXX Violated my rights 15 USC 1681 section 602 8 states I have the right to privacy is USC1681 section 604 a section 2 also sates a consumer can not report an account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: EQUIFAX, INC.
State: PA
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:
There is an account that is on my credit report with XXXX XXXX XXXX that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted XXXX XXXX XXXX  and they advise that they have removed me from their files and they have contacted Equifax and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with Equifax and they report that the account is correctly reported on my file. I have filed a complaint with XXXX XXXX XXXX  and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with equifax and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the Equifax breech. 
EQUIFAX AND XXXX XXXX XXXX  SEEM TO HAVE INEFFECTIVE COMMUNICATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-24
Company: CNG HOLDINGS INC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have ordered a bedroom set from XXXX XXXX in 2016. The one I wanted only came in king I was told I had to wait for queen to be delivered.i was told it would come in 3 weeks. I signed the papers and made my first 2 payments. 3 weeks rolled around no bed. I was told it was on back order. 6 weeks later the furniture store closed down and I never got my bedroom set I called them and told them several times they only care about collecting thier money not that I was scammed. This can be verified the location was XXXX XXXX mall.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a notice in the mail ( today XX/XX/2020 ) dated XX/XX/2020 from Chase Card Services. The letter stated they did a recent review and credit information on my account and reduced my credit limit from {$17000.00} down to {$2800.00} ( my current balance owed is {$2000.00} ). The letter stated they pulled my XXXX  Credit Report and reduced my credit limit amount based on the following reasons : BALANCE OWED ON REVOLVING ACCOUNTS TOO HIGH, NUMBER OF ACCOUNTS CURRENTLY IN USE, HISTORY OF LATE PAYMENTS. I immediately reviewed my XXXX  credit report and could not locate any accounts that were delinquent or had a late payment, nor could I find any accounts with a high balance compared to the credit limit. In fact, the credit report says I have a 18 % credit usage, and not late payments. 

On XX/XX/2020 at XXXX, I called the card services customer service number that was located on the letter to speak more about the issue and the drastic decrease of credit limit ( as I am currently seeking to buy a new home ). I immediately requested to speak to a supervisor, as the representative didn't have access to the system to advise as to why my credit limit was reduced. 

Once the manager ( her name was XXXX ) came on the phone, she was very short with me and very rude. I advised that I wanted to file a complaint and asked what the follow up time for the complaint is. She stated there is no follow up. She only offered a re-consideration review, but that Chase Card Services would need to re-pull my credit report, causing a hard inquiry. I asked why would the consumer have to be responsible on having a hard inquiry pull, if I am disputing the credit limit decrease in which I had no warning. She had no answer to my question, other than " that's just the way it is ''. 

Due to her negative attitude and me being rushed off the phone, I asked if there was a formal complaint department that I could speak to. She said they have no number and said that I would have to mail in my complaint. Surprisingly she gave me an address to their Executive Office. I will be writing them this issue and formal complaint, but thought I would file the complaint with CFPB as well. I do not agree with the {$15000.00} reduction in credit with this account. I have never been 30 days late.

Company response to consumer: Closed with explanation