BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-20
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I receive multiple calls per day to my office work phone with voice messages and they are now calling from local XXXX numbers leaving an XXXX to call back. I answered the phone and asked for them to stop calling me at work and to send everything by mail. When I moved, I submitted a change of address with the United States Postal Service and I have yet to receive anything in writing but still receive at least 5 or more calls a week on my office phone and sometimes even on the weekend or after work hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: EQUIFAX, INC.
State: FL
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, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 2. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXX, NY. XXXX 3. XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX 4. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 5. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX XXXX SD XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 2. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY. XXXX 3. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 5. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX  XXXX SD XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It states a consumer reporting agency can not furnish a 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 2022-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
On XX/XX/XXXX Capital one I receive hard inquiries that I did not approved I will like it deleted and removed off my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30
Company: BBVA FINANCIAL CORPORATION
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
BBVA Compass XXXX signature card statements from : @ XXXX, XXXX through XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX XXXX XXXX XXXX, XXXX BBVA Compass XXXX signature card BBVA Compass XXXX XXXX XXXX XXXX, AL XXXX XXXX BBVA Compass ( both listed locations ) send me statements and complementary checks. 

This is the letter that I have sent both locations : Stop sending me BBVA Compass checking/saving account notices. I do not have a BBVA Compass account.

Stop sending me BBVA Compass XXXX Signature statements. I do not have a BBVA Compass account or BBVA Compass XXXX Signature card. 

In writing, please respond to me and : 1. verify that I do not have a BBVA Compass account.

2. verify that I do not have a BBVA Compass XXXX Signature card. 
3. verify that BBVA Compass has notified its credit rating services that I neither have, nor have requested, a BBVA Compass XXXX Signature card and that my request to stop these correspondences from BBVA Compass does not, and should not, affect my credit rating. 

On XXXX XXXX, XXXX I received a BBVA Compass letter from BBVA Compass XXXX XXXX XXXXXXXX XXXX, AL XXXX. The letter " per your request, we have closed your XXXXBVA Compass credit account. '' XXXX XXXX, XXXX I received another XXXX Signature care statement. It seems that my information has been transferred to another branch and it starts again. This appears to be a XXXX XXXX scam with fictitious accounts. Additionally, neither of the statements has a complete account number - the last four digits differ from each location but the Customer Service phone number is the same and useless.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: Checkr, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
I was told by my employer that I could no longer work for them because of my background check. I have worked for them for 5 years and now I cant. I have no clue why. They wont give a copy of the report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX  Account # DEPT OF EDUCATION/XXXX  account number XXXX DEPT OF EDUCATION/XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX account number XXXX XXXX XXXX account number XXXX XXXX account number XXXX XXXX  XXXX account number XXXX XXXX XXXX  account number XXXX XXXX XXXX account number XXXXXXXX XXXX XXXX XXXX XXXXXXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX  account number XXXX XXXX XXXX  account number XXXXXXXX XXXX account number XXXX XXXX XXXX XXXX account number XXXX XXXXXXXX XXXX XXXX  account number XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2016-03-24
Company: Southwest Credit Systems, L.P.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I do not owe this debt. This debt belongs to my father. He was born in XX/XX/XXXX. I was born in XX/XX/XXXX. We basically have the same name except I am the XXXX ( or XXXX ). Please remove this debt from my credit report and delete it from all credit reporting bureaus. I did not originate this debt.

Company response to consumer: Closed
Consumer complaint received 2017-07-20
Company: United Collection Bureau, 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:
In XXXX 2015 I contacted XXXX XXXXXXXX, requested the balance on my account and the balance required to pay for my phone equipment in full. I was told that I needed to pay {$860.00}, and I paid the same. I immediately switched my phone plan from post paid to prepaid. I made the decision to pay for my phone equipment in full and switch to a prepaid plan because I wanted more control and predictability of my phone bill. I was not allowed to switch to prepaid unless I paid off the phone and my account was current. I am still on the pre-paid plan. Sometime after settling my post paid account, I was contacted By XXXX about balance due, and I explained that I had already settled the account. Nonetheless, the debt was posted on my credit report. The debt has now been sold or assigned to United Collections Bureau , Inc. ( UCB ), and they are seeking to collect behalf XXXX. I would like to United Collections Bureau , Inc. to stop contacting me and have XXXX XXXXXXXX, its assignor, remove the inaccurate from credit report. The balance XXXX XXXXXXXX seeks to collect is {$440.00}. I elected to be on the paperless plan and did not receive paper account statement at time the account as paid in full. The prepaid plan that I am on currently does not provide any type of monthly statement, neither electronic or paper. Therefore, when I log into my account, I have no access to my online statements for now or any time in the past. I have requested a payment history in the past on more one occasion and was told by XXXX XXXX that it would be sent. However, I have never received one. Lastly, I made a XXXX upgrade offered at the time. XXXX and UCB should verify that my account has been properly credited for my XXXX upgrade whereby credit from the old equipment is transferred to the new equipment. I am attaching a credit card statement to prove I made the payment described above to XXXX XXXX. I am also attaching an email sent to me by XXXX that a XXXX credit of {$400.00} would be made to my account. I am not sure if said credit is the root of the discrepancy, but the dollar amount is very close to the balance reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
With no notice or reason given, I have been locked out of my Coinbase account. I changed my password to the account and everything seemed fine. I went to login and was directed to a page titled " Account Disabled '' and a message that said to send photo of ID and proof of address, which I sent to support email as prompted, and have only received auto-replies directing me to trouble shooting page since. The support page give no details on disabled accounts or what to do. I submitted a complaint on the support page as well and still only received auto-replies. It has been well over 72 hours since my account was disabled and Coinbase have provided me with no information on my case, what I can do to resolve the case or even why the account was disabled in the first place. This restriction already prevented me from a planned purchase of Ethereum, which I had planned to purchase at {$160.00}. Ethereum is now trading at {$230.00}. In addition I am further prevented from securing my Bitcoin to cold storage before the XXXX XXXX fork.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-14
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:
EQUIFAX is reporting information of institutions that have not conformed and are currently reporting in non-compliance with Gramm Leach Bliley Act statutes. By publishing these non-compliant account ( s ) on my credit profile and distributing them to 3rd parties EQUIFAX is INTENTIONALLY DAMAGING my reputation, infringing on my unalienable rights to privacy and damaging my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-27
Company: DISCOVER BANK
State: MS
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:
The inquiry was on XX/XX/2016 Discover XXXX XXXX, DE XXXX ( XXXX ) XXXX A credit inquiry was performed, and I did NOT authorize it. 
I notified the company, and they claimed they did not see it on their end. XXXX XXXX gave me the run around on removing the inquiry from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I was referred to open a checking account. Both myself and the referrer are to receive a {$50.00} gift card after the account was opened and a direct deposit was made. When I inquired about receiving the gift cards I was informed tat I would nit be receiving them since I did not complete 5 debit card transactions within 60 days. The {$50.00} gift card was a referral bonus to open a checking account which was completed and funded.

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 2020-01-08
Company: CITIBANK, N.A.
State: NC
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:
I used my Citibank Thank You Rewards card to purchase a trip on XX/XX/XXXX. We took our trouble but ran into a little trouble with the flight. When we returned I contacted Citibank to dispute the charge, the dispute was entered for the full amount of the charge which was {$1700.00} which was never the amount that I wanted to dispute. What I was trying to do was dispute half of the airfare portion because we missed a half day of our trip due to airplane trouble. A provisional credit was given for {$1700.00}, I called and stated that the amount wasn't correct, another credit was issued for {$1700.00}. That two credits and someone must have realized it and reversed one. This left one provisional credit of {$1700.00}. The dispute was then closed because XXXX XXXX didn't agree, in the meantime I made two payments of {$890.00} which totals {$1700.00}. When the dispute was closed, I had it reopened explaining that all I was trying to do was get {$490.00} which is half of the airfare, when the initial dispute was denied it was fine because all I would have owed Citi is whatever I charged while the dispute was going on. What Citi did was instead reversing the {$1700.00} credit, they rebilled me {$1200.00} which to means they were crediting the {$490.00} as requested, that is the difference between the provisional credit of {$1700.00} and {$1200.00}. They are trying to tell me I still owe {$1700.00} and that is not correct and I am unable to understand why I can't seem to get these people to understand that. I contacted the Office of the President at Citibank and spoke with a XXXX XXXX who stated she would have this issue resolved and I have not heard back from her aside from a voicemail she left at my home on XX/XX/XXXX that said nothing about what was being done. I called Citi again today and was told that XXXX XXXX noted my account that the investigation was closed. How can you close something without advising the client and also the situation has not been resolved.

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 2017-12-25
Company: Experian Information Solutions Inc.
State: AZ
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:
There are many mistakes appear in my report without my understanding.

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 2020-01-08
Company: EQUIFAX, 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 belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$8600.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Laending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- OPEN ACCOUNT -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8600.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: Renton Collections Inc.
State: WA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a letter from Renton Collections Inc. lawyer. On Wednesday, XXXX XXXX, I called in to Renton Collections in attempt to figure out what some of the account were as I did not recognize them. I was transferred to a XXXX XXXX who laughed when I told he that I wanted to know more about the accounts. She said " oh that's funny because you have already paid on these accounts. '' ( I had not ) she continued to tell me that I had paid them and that I clearly knew I owed these debts. She began raising her voice and continued to state I know these debts are mine. She then told me it didn't matter because they were already at their ( Renton Collections ) lawyer. She ended the phone call. I attempted to call back and was tranferred to someone else who has still not called me back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Good afternoon, I am writing to CFPB regarding my identity being stolen and used to obtain credit without my authorization and now I have been stuck with the bill and my credit taking a hit. Please if there is anything you can do to help me remove these fraudulent accounts tarnishing my credit profile I would greatly appreciate your assistance in this matter. I have tried with the credit bureaus and debt settlement companies as they have said they can help and have gotten nowhere. I have heard that cfpb actually gets the job done. Thanks in advance.

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 2022-01-28
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2022 I called the company " Credit Control Corporation '' XXXX XXXX XXXX XXXX XXXX VA XXXX ( XXXX ) XXXX, after receiving a letter from them that I owed {$71.00} from a outstanding bill from XXXX XXXX XXXX After giving my name and the REF # provided on the letter they could not find anything in there system under my name, phone # or the reference # or EDP # XXXX that was provided on the letter. The woman that I was talking to got her supervisor and consulted with no results. I went to a web site listed, XXXX  and it pulled up my name using the REF # provided but it was for a larger amount of money, {$110.00}. I am concerned that this is a scam and I am not shore how to proceed. 
Please advise

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: States Recovery Systems, Inc.
State: CA
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:
The original debt is from the City of XXXX and it was sent to collections company by the name of XXXX XXXX XXXX. the original bill is dated XX/XX/18. This is a bill that should be covered by XXXX XXXX as that was my insurance carrier at that time. the company refused to send the bill to XXXX so sent it to collections and it is now a ding on my credit report. I called XXXX a few times with the XXXX information and they refuse to send the bill to XXXX. I believe it is unlawful to bill a person covered by XXXX. I sent the City of XXXX and XXXX a copy of my insurance card and they refuse to process the billing. The amount is {$1900.00}. The bill from the City of XXXX has an address : States Recovery Systems, XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX. XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA XXXX XXXX Thank you for your help

Company response to consumer: Closed with explanation