BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Account # XXXX, XXXX, and XXXX To Whom It May Concern : Portfolio Recovery Associates ( PRA ) reported the above accounts falsely to XXXX, XXXX  and XXXX because of the following reasons : - PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as an Type Of Account : Open Account on my XXXX credit report. 
and PRA violates FDCPA 15 USC 1692e ( 2 ) ( A ) by falsely characterizing the account as Type Of Loan : Factoring Company Account on my XXXX and XXXX credit report. 

- With respect to the " Type Of Loan : Factoring Company Account '' notation on my XXXX and XXXX  report : I do not have any known type of agreement or contract in writing or otherwise with PRA or the alleged original creditor that creates or procures any type of Factoring of alleged monies owed, nor am I aware of any agreement or contract that PRA has with the alleged original creditor granting them specific rights to factor the alleged monies owed. In order for monies to be factored, the debt must be in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-10
Company: EQUIFAX, INC.
State: OH
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:
Dear Equifax, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-10
Company: CITIBANK, N.A.
State: CA
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:
On XX/XX/2018, I submitted to CFPB my complaint against Citibank about a Visa credit card charge dispute resolution. Citibank responded by letter of XX/XX/2018, denying my request. XXXX XXXX of the " Executive Response Unit '' gave the same reasons as in the previous denial, which reveals that he failed to independently review the factual documents I submitted and simply adopted the previous flawed decision which falsely stated that I failed to timely submit factual information and relied solely on the information submitted by the merchant. On XX/XX/2018, I sent a Certified Mail letter to Mr. XXXX containing my demand for certain information/documents in order to consider proceeding with a claim against Citibank for breach of the credit card contract. Therein, I requested a copy of the XXXX Citibank Consumer Agreement pertaining to dispute resolution of contested charges and Citibank 's policy on handling these disputes. Mr. XXXX and Citibank have ignored this request for documents and information. I, therefore, request the assistance of CFPB in submitting my current complaint to Citibank seeking this information.

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 2019-08-17
Company: National Enterprise Systems, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To whom it my concern, the purpose of this complaint is to inform National Enterprise System XXXX # XXXX XXXX ) of my NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FDCPA SECTION 805 ( b ) & SECTION 809 ( b ) Please accept this final written notice before LITIGATION as my attempt to amicably resolve your continued violation of the Fair Debt and Collection Practice Act regarding your undocumented UNVERIFIED NO PROOF OF CLAIM information from my consumer file. I intend to pursue litigation in accordance with the FDCPA Section 809 ( b ), FTC opinion letter Case from XXXX to seek relief and recover all monetary damages that I may be entitled to if the UNVERIFIED NO PROOF OF CLAIM item listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
National Enterprise System is the third company trying to collect Despite three Previous complaints and requests, there is still no PROOF OF CLAIM and items listed below still remain on my credit report in violation of Federal Law. You are required under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. Furthermore you have failed to provide any transfer title of ownership on the charged off written of account. Please be advised that FDCPA Section 809 ( b ), FTC opinion letter Cass from XXXX The law is very clear as to the Civil liability and the remedy available to me Consumer Protection afforded by the FDCPA if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FDCPA, FCRA and FTC. I demand the following accounts deleted immediately. ACCOUNTS : 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 explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: NV
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'm a victim of Equifax data breach and I've been trying to correct my consumer report for months with no avail. According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the need of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of, or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15 U.S. Code 1681c-2 ( c ) ( 1 ) ( C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received delivery of goods, services, and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 want the hard inquiries off my file please

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 2018-05-03
Company: Northland Group Inc
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have written several certified letters asking Northland Groups client XXXX XXXX for verification pursuant to the Fair Debt Collection Practices Act including but not limited to Section 807-8. I also asked for verification of the debt that is competent evidence bearing my signature, showing I have ( or have ever had ) a contractual obligation with Northland Group and or their client XXXX XXXX XXXX  XXXX. Both parties are in violation of the FDCPA ; therefore since they have not validated the debt, it must be deleted from all credit reporting agencies immediately. A billing statement does not constitute validation of the account. I've written XXXX since 2017 and they have now sent me to Northland group for {$960.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX do not owe any company any money. I do not have a signed contract with any collection company. I request you delete this collection off my credit report. Delete delete

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: National Medical Administrators, Inc
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
After calmly explaining that I am unemployed and have no ability to pay debts at this time, the rep on the phone yelled at me repeatedly "pay your bills!! Pay your bills!!" they also refused to tell me what the hospital bills were for specifically. I feel very violated and harassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I spoke with the clerk of court and ask her about [ CASE ID XXXX listed from the three credit reporting agencies on my credit report as verified and she informed me that The United States bankruptcy court for the District of Alabama FED BK CT does not provide any information to any credit bureaus or third party. She also told me pursuant to Federal Statute and the Federal Rules of Bankruptcy Procedure only the last four digits of a debtors social security number along with their full name can be released and in order to obtain a debtors full social security number, a third party must file a motion with the court to unseal documents related to any cases so the reporting was false. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them from the bankruptcy court and not a third party. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and creditworthiness.Please attach the evidence of this bankruptcy to this complaint. This bankruptcy do not belong to me and should not stay on my file for 7 to 10 years this is violation of the FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
i have been a victim of identity fraud, there are numerous of accounts showing on my report that do not belong to me including, XXXX XXXX XXXX Opened XX/XX/XXXX ( 4 yrs ) {$430.00} AUTO LOANS XXXX XXXX Opened XX/XX/XXXX ( 1 yr, 6 mos ) {$8100.00} COLLECTIONS XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos {$8900.00} XXXX XXXX XXXX Opened XX/XX/XXXX ( 6 mos ) {$2500.00} XXXX XXXX XXXX XXXXXXXX Opened XX/XX/XXXX ( 3 yrs, 1 mo ) {$1900.00}

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 explanation
Consumer complaint received 2019-10-16
Company: Experian Information Solutions Inc.
State: IN
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:
LET ME KNOW AS TO THE REASON WHY THE XXXX XXXX ACCOUNT IS STILL APPEARING NEGATIVELY ON MY CREDIT REPORT. IT STATES THERE'S NO BALANCE AND IS FROM XX/XX/2014, WITH LATE PAYMENTS OF 90 DAYS. NO ACTION HAS TAKING PLACE IN REGARDS TO ALL THE ATTEMPTS I HAVE PURSUED TO REMOVE THIS NEGATIVE ACCOUNT MY MY CREDIT REPORTS. IT IS REALLY AFFECTING THE OVER-ALL HEALTH OF MY CREDIT SCORES.

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 2018-09-14
Company: Total Card, Inc.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The company will several times a day multiple times a week when I answer the phone the person on the other end hangs up. An example of this would be yesterday they called 4 times XXXX XXXX, XXXX. Each time I answered the phone someone would hang up. I then called the number and spoke with a XXXX in customer service explaining my issue, she then turned the call over to a supervisor named XXXX who informed me she would remove my phone number from the account. However half an hour later at about XXXX they called again and when I answered they again hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/XXXX, I contacted XXXX, to dispute that Capital One, is being reported incorrectly, but on XX/XX/XXXX, XXXX, refused to correct the error, and updated my report with information that the alleged balance is correct. The error is in regard to a XXXX ( {$110.00} ) filing fee from a fruitless lawsuit Capital One, filed against XXXX XXXX, on XX/XX/XXXX, in XXXX County Municipal Court, which was later dismissed at Capital One 's request by the Court, on XX/XX/XXXX. XXXX XXXX, has tried to correct the error with Capital One 's Attorney, and Capital One, who responded that it believes there is no error, on XX/XX/XXXX, with no later response. Please find the attached Notice to Dismiss from Capital One, and report from XXXX  ( uploaded as " untitled '' ), as well communications with Capital One, in regard to this error. There should be no doubt that this error is being overlooked, Capital One is providing false information, and XXXX, has material evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: Coinbase, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX and XXXX XXXX  from my Coinbase account to fraudulent investment firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Company : Bank of America. 

I tried to change my checking account address after I moved. In the bank of America app, I was able to change the mailing address but I was not able to change the physical address. And I contacted bank of america customer service, they told me I need to go in a financial center in person in order to change the physical address. I went in on XX/XX/2023, at XXXX, and one manager assisted me and he told me he successfully changed my physical address. That's a lie. Because I found out two days later my physical address is not updated. Then I called them again, and this time one customer service told me the manager from Bank of America didn't do nothing and I am not able to change my physical address because my physical address was oversea when I set up the account 5 years ago. And now they told me I can not change my address, because I am a XXXX XXXX. Although I don't own the propoerty, why should I keep the same address? Bank of America lied to me and discriminated against XXXX XXXX Why ameicans can change address but legal XXXX  can not? I need them to appologize for wasting my working hours, lying to me and discriminating against XXXX XXXX And I want to change the physical address.

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 2022-08-28
Company: Cooling & Winter LLC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I NO NOTHING OF THIS COMPANY NEVER HAD A CONTRACT OR ANYTHING WITH THIS COMPANY I DIDNT RECIEVE DEBT VALIDATION VIA EMAIL OR USPS MAIL I NO NOTHING OF THIS COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Central States Recovery, Inc.
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The {$20.00} stated as being owed was paid directly to the medical facility. It needs to be removed from my credit report as a delinquent payment. I DO NOT OWE IT. The medical facility already stated that they made a mistake on posting my payment and fixed it on their end. Central States Recovery needs to clear this from my record!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
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: Their investigation did not fix an error on your report

Complaint:
After Reviewing my Credit Reports, I noticed that there is a Public Record Bankruptcy on my Credit Report. XXXX and Trans-union have not verified Accuracy of Bankruptcy on my credit report. I disputed these item on my report with XXXX and Trans-union but they have not remove public record Bankruptcy. Im not able to get approved for any new line of credit because of this. XXXX  stated they verified bankruptcy with XXXX XXXX but my XXXX XXXX file has an security freeze which prohibit anyone from viewing my report. XXXX  and Trans Union are violating Fair Credit reporting act. The Bankruptcy reporting on my credit report has an address where I do not live. I disputed these items multiple times but they have not removed item. I contacted the Federal US BankRuptcy  courts which they advised that they do not report to the credit bureaus. They do not disclose anyone Social Security or Date of Birth to credit bureaus. Also Address with Bankruptcy court is not my current address. this is unverifiable. The Credit bureaus are in complete violation of Fair Credit Reporting Act. 
Im Attaching copy of XXXX XXXX statement below.

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 2023-08-10
Company: EQUIFAX, INC.
State: TX
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, XXXX XXXX XXXXXXXX XXXX XXXX # XXXX, XXXX XXXX XXXX account # XXXX XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, has violated my rights. 



15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation