BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-15
Company: ENCORE CAPITAL GROUP INC.
State: FL
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:
Section 489.128 - Fraud Contracts and unlicensed perform work on property without the proper permit. Non-permitted constructed. violated the building code. REQUIRED FOR TWO STORY HOME on XXXXxXXXX lot .Violations of building code. perform non-permitted construction work. Violated building codes, unlicensed contractor without pulling building permits, plumbing permits or electrical permits pulled. The XXXX sq. ft. XXXX XXXX SUBDIVISION, TWO  story building on sets on XXXX  X XXXX  LOT. WITHOUT variance or permits. The local governing body of the county or municipality may enforce codes and ordinances against unlicensed contractors under the provisions Florida Constitution SECTION 4XXXX home XXXX bed, XXXX bath property. This home was built in XXXX and last sold on XX/XX/XXXX for {$600.00}. Property details, sales history and XXXX  data on XXXX. Location : XXXX XXXX, FL XXXX. Construction codes violated by inspectors and builders who failed not inspected to comply with any building or uprooted trees of environmental regulations. Contractor or and construction filed fraud false representation. Failing to comply with any building environmental regulations. or Violations of 4 of the constitution .lot XXXX x XXXX ft. Fraudulent documentation construction fraud, are generally regulated by zoning laws and restrictions maintained by local distance from a property line Legally, are not obligated to pay an unlicensed contractor. Not building according to blueprint and paying taxes on improper footages of property. 
Falsifying Applications and Invoices. Lot XXXX Construction Fraud, XXXX XXXX of XXXX XXXX Contracting Without a License. In addition, Unlicensed Contractor was paid {$25000.00}. According to Section 713.02 ( 7 ) of the Florida Statutes, an unlicensed contractor or subcontractor shall have no liens in their favor. This Fraud is Unenforceability shall not affect the rights of any other persons to enforce contract, lien, or bond remedies homeowner can generally file a lawsuit for damages. Homeowner experiencing setback violations is that the building or structure 1. Inflating Labor or Material Costs charge over {$120000.00}.. Accountability, Amendment 4 unenforceable under this section, no lien or bond claim shall exist in favor of the unlicensed contractor for any labor, services, or materials provided under the contract or any amendment thereto. U https : XXXX ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: Paypal Holdings, Inc
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Overcharged for a purchase or transfer you did make with the card

Complaint:
made a deposit to my account XX/XX/2017 {$36.00} it still has not been posted to my paypal account Please see supporting documents

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-05
Company: EQUIFAX, INC.
State: CO
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:
You stated that you did you investigation on XXXX XXXX XXXX as they are reporting negatively on my credit report but where is your proof of that verification? Pursuant to 15 usc 1681a ( e ) whom have you interviewed? I want for you to provide me the actual facts of whom you have interviewed regarding this alleged debt because the definition of an investigative consumer report says you shall obtained information through personal interviews However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency. I am requesting proof of this. If you can not provide proof of the interviews you conducted within your investigation you said you did on XXXX XXXX XXXX then you shall remove XXXXXXXX XXXX from my credit report immediately. According to 15 usc 1681i ( 5 ) ( A ) ( ii ) you shall promptly delete that item of information from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
EQUIFAX CONTINUES TO REPORT DUPLICATE ACCOUNTS EVEN AFTER REQUESTING REMOVAL MORE THAN ONCE AND NOW 4 MONTHS LATER!! 
ACCOUNT # XXXX IS 14 DUPLICATES FOR STUDENT LOAN THE ACCOUNT STATUS IS SHOWING " INDETERMINATE '' WHICH IS NOT CORRECT AT ALL. 

ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED ACCOUNT # XXXX WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED FOR WHICH ALSO HAS A DUPLICATE ACCOUNT BEING REPORTED 4 TIMES!! 

ACCOUNT XXXX ALSO WITH NO COMPANY NAME WHETHER ITS COLLECTIONS OR ORIGINAL CREDITOR IS NOT BEING PROVIDED THIS IS HURTING MY CREDIT RATING AND I DEMAND FOR AN INVESTIGATION AND CORRECTION AS SOON AS POSSIBLE! 

THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
OnXX/XX/2020at XXXX cst, I received a phone call from number XXXX.I missed the call.A man answered the phone and said they had numerous departments and didn't know who called.He pretended to put me on hold and started asking for someone whose name he couldn't quite pronounce very well.He also did not ask for a number before asking for the person. 
I called and spoke with another lady, who told me she could not tell me anything at all.She later said her system was updating then it went to her asking the number I was called on, which I then provided.She said she did not have a record of my number on their file so I don't know who to believe of the two individuals. 
She went on to say she could not provide me information and was probing me for info.I told her if she could not tell me who she represent, I can't help her any further. 
I went on to google the number and I read they threaten to have a sheriff arrest you or ask for a credit card number. 
I want them to stop all and every harassment.If there is anything pertaining to me, they need to put it in writing. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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. 

XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX  Account # 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. 16815-2 ( 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. 

XXXX has " XXXX XXXX '' on my report it is an error that needs to be removed XXXX XXXX  states i have had a card since 2016 but the information only reflects XXXX XXXXXXXX XXXX  Account is passed the statute of limitations of the New York State XXXX XXXX XXXX act, Section 214-i line 23 prohibits revival of debts arising from consumer credit transactions. the three-year limitations period has expires.the XXXX XXXX/ bureaus illegally restarted removal timeline after settlement

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 2017-07-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XXXX 2016 XXXX XXXX closed all my checking and savings accounts and credit cards because of financial fraud. I have not been able to get ready reserve accounts on new checking accounts because of fraud alerts, security freezes on each of my credit reports : TransUnion, XXXX and XXXX. <P/>I have called each credit bureau, submitted formal written letters asking that all fraud alerts and security freezes be lifted from each credit report. I get no response other than new credit reports sent in the mail. <P/>Requested Action : Please contact each of the credit bureaus to remove ALL fraud alerts and security freeze notices so that my XXXX XXXX can get credit information for my ready reserve applications. My XXXX XXXX has applied five times and can not get credit information to approve my application for new reserve accounts.

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 2017-07-04
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A personal representative from that company visited my shop and offer a services of credit card processing machine. These company offer something that ca n't give to the customer machine arrive to the shop to be install and nobody when to the shop not technical support and I called the branch in XXXX and they said please return the machine and I did it also they try 3 times to get money from my bank account when I already return the machine

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XX/XX/2021 I purchased a used vehicle from XXXX XXXX In XXXX, tx. As agreed I paid {$3000.00} down in cash not credit. On my contract paperwork in the total sales price column it states that the {$3000.00} I put down in cash, was somehow turned into credit. Im not sure why my paperwork shows this but to my knowledge that is considered a fraudulent contract, because I paid cash not credit for my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-27
Company: Receivables Management Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been disputing this debt for the past six months with no resolution. On XX/XX/XXXX I first requested validation of the debt. They responded XX/XX/XXXX with an itemized bill which does not validate a debt under the FDCP. I pulled a subsequent credit report on XX/XX/XXXX it was not marked as disputed, they were once again in violation. On XX/XX/XXXX I then requested the entry be removed from my credit report because they did not mark the entry as disputed within the allotted time. They responded by saying " we have previously provided you with verification of the debt ... there is no duty to provide it multiple times and will not respond to any further requests ''. I tried to restart the dispute process and sent a " request for validation '' letter on XX/XX/XXXX. They responded yet again with an itemized bill. RMP has failed on multiple occasions to " validate '' this debt. If they can not validate this debt it needs to be removed from my credit file because I am trying to obtain a mortgage and this non-validated account is harming my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
ATTENTION : Consumer Financial Protection Bureau XX/XX/2021 Re : Direct Express Claim # XXXX This email and the attached documents are in regards to the above mentioned claim, As you will no doubt see the Fraud Services Dept. Fraud Investigations Team in charge of stolen cards has acted abysmally. To simplify from here on I will refer to them as the fraud dept. The fraud dept. in an email sent to me on the XXXX of XX/XX/2021 stated that the info contained in the email was what the fraud dept. relied on in making their determination said determination being to deny the return of my stolen money. I have attempted in several ways to contact the fraud dept. some of which are evident in the paperwork Im attaching. Faxing and email are out of the question as you will see if you attempt to fax or email the fraud dept. even though the fraud dept. requested a police report from XXXX the DAs office handles such crimes, so thats where I filed the report as per case # XXXX. I am attaching all the information I have and sending it to you in hopes that you will intervene or at least be aware of this companies terrible way of dealing with my situation which has now become dire in respect to my financial status. The fraud dept. says there was a conflict between my info and theirs however as of today I still dont know what the fraud dept. is saying was a conflict as I have never received any paperwork explaining what said conflict is unless fraud dept. is referring to the aforementioned email which I am attaching as received ( page XXXX is as received ) .. I am hopeful that you will be able to reach the fraud dept. and resolve this before I am financially ruined. My explanation of what occurred on XX/XX/2021 is attached first in the attachments. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance : {$210.00} XXXX XXXX XXXX Balance : {$3000.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX OF ) XXXX Balance : {$2400.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3400.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$790.00} XXXX XXXX XXXX  Inquiry Date XX/XX/2021

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 2021-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 disputed the inaccurate reportings with TransUnion, XXXX XXXX XXXX several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXXXXXX : TransUnion and XXXX are not reporting this account, XXXX is reporting a status of 120 days late but does not provide the dates the account was paid late. The following accounts do not belong to me and should be removed from my credit file, XXXX : Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00}, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$1100.00} and XXXX is not reporting this account, XXXX XXXX  : Account Number XXXX TransUnion is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}, XXXX is XXXX an opened date of XX/XX/XXXX with a balance of {$5100.00}, XXXX is reporting an opened date of XX/XX/XXXX with a balance of {$5100.00}. I have reached out to the credit bureaus to help me in getting this matter resolved. Is TransUnion, XXXX XXXX XXXX considered to be furnishers? These accounts either do not belong to me or were not paid late and TransUnion, XXXX XXXX XXXX have failed to plead their case to who has provided them with this false information and/or provide proof with signatures of these inaccurate accounts reporting on my credit file. Please help me to get this matter 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 2017-07-04
Company: U.S. BANCORP
State: PA
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: Card was charged for something you did not purchase with the card

Complaint:
This is now my FOURTH complaint regarding ELAN. First, the account was believed to have been applied for fraudulently and an identity theft complaint was filed. Second, there was no recollection of the account at all - resolved in that it was previously under another name ( XXXX ). Third complaint was that I never had possession of actual credit cards to be used for purchases. The response to this was that there were purchases made in my name. I do n't know how else to get through to ELAN that I have never been to any of the places where airline tickets were purchased for etc. I DID NOT make these charges. The statements that they sent also show payments which I also DID NOT make. To complicate matters, they have assigned an investigator at ELAN who I can NEVER get a hold of. These are n't my charges, payments or account after the initial charges only to XXXX XXXX XXXX prior to XXXX. I am livid that I ca n't explain to a person what I have described above. US Bank is just using big bank tactics to harm me and my credit. And in doing so is costing me more money and more time. I do n't know what to do to get this off of my credit report. Perhaps I should do a press release about US BANK. That probably would n't get through to them either.

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 2019-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XXXX is reporting incorrectly to XXXX ; XXXX and Transunion a collection in the amount of {$1200.00} on the XXXX/XXXX  XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account belongs to my ex-wife and should not be reporting on my credit report. I have my own XXXX service with account number XXXX. Please see the attached copy of my billing statement reflecting my account number, billing period for current month and my name and address. This incorrect reporting of an unsubstantiated collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.

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 2021-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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 issue is with Kohls credit card services. I was added as an Authorized signer without my consent. My husband and I made many phone calls to have it removed, and was told it was removed. It is still showing me as an Authorized user with an outstanding balance on the account and the account currently closed with an outstanding balance. When I call Kohls they tell me they don't have anything showing me as an Authorized user and they tell me I have to contact the bureau however the credit bureaus tell me they respond to the reported information provided from the creditor and Kohls needs to correct the reporting. I have contact Kohls many times and have asked to talk with management and I have still not received any changes or resolution that I am not an account owner or obligated to the outstanding debt. I have been trying to get this resolved for over a year.

Company response to consumer: Closed with non-monetary relief