BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a aggressive, frightening and threatening notice from the company XXXX XXXX XXXX XXXX this week. Its some kind of fishing attempt to extort money from me. My first name is mis-spelled. And they claim that I owe {$1000.00} to XXXX XXXX XXXX. 

I do have a XXXX XXXXXXXX XXXX credit card ( a brand new account opened in XX/XX/XXXX my limit is only {$400.00} and my name is spelled correctly ). 

This " fake billing '' has nothing to do with my current/new account with XXXX XXXX XXXX Account. 

My husband just bought a house in XX/XX/XXXX. And this is the second fake fishing expedition " bill '' we've received in oddly a version of my name only. Like they are trying to attack the wife/spouse? I cant remember the supposed name of the creditor in that first fake billing sent -- to our old address, and we don't have it either, but it was some place I have never done business with. 

Furthermore, we haven't had any credit cards since the year XXXX,XXXX, XXXX. And we filed a Chapter XXXX in XXXX and then a Chapter XXXX from XXXX to XXXX when it closed. We were unable to get any new credit until the year XXXX. 

We have just been able to repair our credit rating after 7 very long years, and now this type of XXXX starts to " show up '' attacking us. 

We find it extra fishy that they claim to represent XXXX XXXXXXXX XXXX ... .and I just opened a XXXX XXXXXXXX XXXX account in XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect, and unverifiable collection accounts that are keeping to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-21
Company: Affirm Holdings, Inc
State: MD
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This issue has been ongoing - the last communication stated that the company is aware of the issue, and is trying to fix it. 
it has been more than 45 days and the issue has not been fixed, nor has the company reached out to me with an update in the last 30 days All I have been given is multiple case ID numbers from Affirm and their partner XXXX XXXX Affirm Case ID XXXX Shop Pay Ticket XXXX The last communication I received was on XX/XX/18 Hello XXXX, Thank you for contacting Affirm regarding XXXX XXXX  installments. 

My name is XXXX from Affirm Customer Care and I will be more than happy to assist you today in regards to your application inquiry. 

Upon checking your account I can see that you have been trying to make a purchase using your XXXX XXXX account. The investigation about the status of your account seems to be still going. 

Taking into consideration, you had an account with XXXX XXXX in the past and this account is associated with your phone number and email address, we are currently working to ensure you have access to your account as soon as possible. 

Also, something to take into account is that capital letters do not make a difference in email addresses, which means using your credentials to access or regain access to your account should work in this scenario. 

Please note, if you had an account in the past and you try to use the same information to create a new one, this might result in an error in our base data. 

We appreciate your patience on this matter and we are working hard towards this request. 

If you have any questions or concerns, please call us at XXXX from XXXX XXXX to XXXX XXXX CST seven days a week or contact us at XXXX. 

Regards, XXXX XXXX XXXX XXXX XXXX Installments Customer Care Originated and Serviced by Affirm XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
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: Was not notified of investigation status or results

Complaint:
Contacted XXXX, XXXX, and Equifax regarding inaccuracies in reported accounts contained on my credit files on XX/XX/2021, via certified mail. Submitted information indicating the inaccuracies, however, the credit bureaus failed to respond within the allotted 30 days time frame, and I have not received a response regarding a dispute I communicated with in writing to the credit bureaus listed above to this date after over 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There are actually several things that occurred with my situation. I received a debt collection letter from Innovative Recovery , Inc a few days ago stating this is an attempt to collect a debt and that I had 30 days to dispute the validity or any portion. The first issue is that I believe I only received this letter after I disputed the debt on my credit report thru XXXX XXXX. I first started seeing Innovative Recovery on my credit report on XX/XX/2020 and they submitted the debt daily on my credit report but I had never received a letter from them stating the debt had been sent to them for collection. So that was the first issue, how do you start reporting me to the credit bureau prior to contacting me? No letter, no phone calls nothing. So I was surprised to see it show on my credit report. Then that they had it hit my credit daily from XX/XX/XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX, XXXX, XXXX, XXXX, the XXXX again, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX which is around the time I filed a dispute with XXXX. So then when I looked at my last statement from XXXX XXXX, the Creditor, my statement was for {$71.00} but the letter from Innovative Recovery shows I owe {$96.00}. So that's another issue. Did I get charged a late fee by the creditor on a move out statement? Well I called Innovative Recovery today and spoke to XXXX. She advised that they have sent letters prior to the current one and they attempted to call me but no response. I advised XXXX that was incorrect because I have never received a letter until a few days ago but then I asked her about the amount due. I advised XXXX that my last statement from the creditor was for {$71.00} but my debt letter was showing {$96.00} owed so where did the additional fee come from. XXXX advised that her company tacked on a {$25.00} fee for their services. Is that legal? I do owe the {$71.00} and I am willing to pay it but I wish the creditor had reached out to remind me of what I owed prior to going to the debt collector who then went straight to sending hits to my credit prior to contacting me then adding their fee to what I owe. Please let me know if I am required to pay the {$25.00} fee added by the debt collector. I feel like they are doing shady practices and it's affecting my credit in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
My bank in XXXX transferred money to Bank of New York. 
I am having problems with bank of New York to get the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: Berlin-Wheeler, Inc. (Kansas)
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Berlin Wheeler is reporting a collection on my credit report. Account number XXXX. I asked for verification and they have not provided any information that verifies this debt. I never entered a consumer transaction with the company nor do they have a contract with my signature giving them consent to report or have my personal information. This company is violating my rights of the FCRA. Please remove this from all three of my credit reports

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 2020-09-21
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: Information belongs to someone else

Complaint:
THE ACCOUNTS LISTED DO NOT BELONG TO ME THEY ARE FRAUDULENT ACCOUNTS LISTED ON MY CREDIT REPORT AND ALSO INQUIRES I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.

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 2023-03-21
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: Their investigation did not fix an error on your report

Complaint:
Experian and XXXX has listed a medical bill on my account of {$130.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I opened a home equity line of credit with Citizens Bank for the amount of {$170000.00} dollars effective XX/XX/2018. I began to received statements from the bank ( before I even began borrowing ) for substantial increasing amounts of monies. Upon contacting the bank I was told that some of the charges were in error. I became concerned and sent them a certified letter requesting explanation for the charges. In the last statement they sustracted some amount but still the total is substantial ( {$400.00} dollars ) and there is no explanation for them. As far as I know I had no liens or penalties in my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Coinbase, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
Within 5 days, after trading coins and being forced to pay extremely high amounts of money to do so, Coinbase then locked my account due to a bank transfer confusion. During this time I had no way to access my account and watched as they drained my balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have tried to place a security freeze on my minor children 's accounts as allowed by the Fair Credit Reporting Act. I sent Equifax their required minor freeze form for this and all the necessary information including SS cards, birth certificates, my driver 's license, etc and did not create and freeze my children 's account as they are required. After numerous time consuming phone calls, have not made any progress since I am unable to stay on the phone for hours on end and there is no mechanism to reference the call and restart where we " left off. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting 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 reporting agencies XXXX and XXXX have some information/accounts on my credit report that I have no knowledge of and it has damaged me from by using my first home

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY

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 2017-12-18
Company: PNC Bank N.A.
State: MI
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:
ACH transactions from an account at PNC Bank ( {$900.00} on XX/XX/XXXX,  {$1500.00} on XX/XX/XXXX, and {$900.00} on XX/XX/XXXX, that were direct deposit credits to Chase account number ending in XXXX listed on the XXXX report. 

PNC 's records do not indicate that I have ever had a relationship with PNC per CFPB-CASE # XXXX AND CFPB-CASE # XXXX. 

I dispute all unverifiable transactions contained in account ending XXXX and Summary File Disclosure, Consumer ID : XXXX prepared on XX/XX/XXXX by XXXX XXXX summary disclosure. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX, and XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VERIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VERIFIABLE Proof of Amount of the actual debt, 3. VERIFIABLE Proof of Payments made on the account, 4. VERIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VERIFIABLE Proof of Fees and interest amounts, 6. VERIFIABLE Proof of a signed contract showing the terms about the debt, 7. VERIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VERIFIABLE Proof of a copy of a true bill from the original creditor, 9. VERIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VERIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ].

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: Kentucky Higher Education Assistance Authority
State: TN
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've requested assistance with all three bureaus XXXX, XXXX, and XXXX XXXX credit reporting agencies ( CRA ) and their subsidiaries as well as KHESLC. I reached out numerous times in XXXX and 3 times this year, each time my credit score continues to decrease. I sent letters and called, which is a daunting task to say the least. My credit score went from XXXX to XXXX in XXXX and continues to fluctuate substantially. The CRA continues to report late payments when student loans are deferred or in forbearance. The voluntary dismissed bankruptcy is in error as well. I never had a XXXX  account, a few other accounts are also invalid. I have requested to dispute old and erroneous addresses and personal information. I don't use alias names and these items are also incorrect. 
Please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 requested that Transunion investigate a Bankruptcy on my credit report. I opened the request on XX/XX/22 and they completed their investigation on XX/XX/22 without providing an explanation. I requested from the Bankruptcy court the procedure that they utilize to investigate issues on Bankruptcy filings and the court indicated to me that they do not provide information to the Credit Reporting Agencies. I then submitted a follow up letter including the letter from the court to Transunion asking the process that they follow to investigate Bankruptcy information, but I have not received any additional follow-up letters.

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 2022-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have recently checked my credit reports with Experian, XXXX, and XXXX and have found duplicates reporting 's that is currently affecting my credit score. I have disputed these findings with each bureau, and they have not removed the duplicates from my credit file. I have also found accounts listed on my credit file with no furnisher account name or information that have not been updated with accurate information or removed. 

XXXX XXXX XXXX Account NoXXXX Duplicated on three times on Experian XXXX XXXX XXXX Account NoXXXX Duplicated on two times on XXXX Two accounts with no furnisher account information listed on 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 2020-09-18
Company: Eastern Account Systems of Connecticut, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed an erroneous debt on my otherwise flawless credit report. The account was a {$130.00} debt from XXXX XXXX that was reported by a collection company called Eastern Account Systems. I have full insurance and pay out of pocket for all other medical expenses so I know that this debt was satisfied. I disputed it with all three credit reporting agencies and it was deleted from XXXX  but somehow was verified on XXXX XXXX and XXXX  So, on XX/XX/2020 I sent a certified letter to Eastern Account Systems asking for compliance with the Fair Debt Collection Practices ACT to validate this debt and show me proof that this is my debt, that I actually owe it and how they acquired my information. They signed for the certified letter but never responded with the required documentation, a signed contract, statements, detailed billing history in accordance with the FDCPA. So I sent another letter on XX/XX/2020 asking Eastern Account Systems why they did not respond to my validation demand and gave them another opportunity to send me the documentation required by law to legally report or collect this debt. I allowed them the 45 Days in accordance with the FDCPA and even waited an extra 60 days for a response because of COVID 19 and they never responded. The evidence is clear that they are in non compliance of the FDCPA and the Fair Credit Reporting ACT by reporting and verifying this information with the credit reporting agencies. This appears to be a predatory debt collection company that is operating illegally and not in accordance of State or Federal Laws.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation