BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-22
Company: Radius Global Solutions LLC
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On or around the beginning of XX/XX/XXXX we began receiving phone calls from Radius Global Solutions ( RGS ) in regard to a medical bill from XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX. They provided the account details and balance of {$500.00}. 

However, the balance they provided was not the last balance we had received from the original creditor. On XX/XX/XXXX we requested a statement from the original creditor and received a XXXX balance statement from them just days later. This XXXX  balance is for the same account number provided by RGS. 

Since our last payment to the original creditor had occurred just 30 days prior, we thought this discrepancy odd and disputed the balance with RGS - requesting statements/media from them to confirm a correct balance. 

We made this request on multiple occasions and emailed disputing statements to the supervisor at Radius Global Solutions. In the email I confirmed our request for media in writing, along with proving the bank statements that listed our payments towards this particular bill. 

One week passed and I did not receive any response from Radius Global Solutions. We spoke with them on the phone and they denied receiving our request for media and also stated that we were refusing to pay the balance. The supervisor called us liars and began putting words into our mouth in regards to refusal to pay/unwilling to resolve the debt. We clarified that we were not unwilling to resolve the debt and were disputing the balance and continued to request media before we could make any steps towards resolving a potential balance. 

Upon completion of this phone call I again emailed the address provided with the disputing documents and again requesting the statements/account media and again received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-17
Company: JH Portfolio Debt Equities, LLC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Threaten to sue, call my job for my supervisor, threaten to garnish wages and repossess my car, called all hours of the night XX/XX/2018 XXXX XXXX   collection agency jh portfolio debt equities

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 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 when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2022-07-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I reviewed my credit report and found a collections for XXXX XXXX XXXX. I disputed the account with the credit reporting agencies and XXXX XXXX sent me a letter home sending documentation that included two statements from Synchrony Bank with dates XX/XX/XXXX and XX/XX/XXXX along with a " soldletter '' dated XX/XX/XXXX. I have never recived a " soldletter '' from either XXXX XXXX nor Synchrony Bank ; and said documents do not validate this alleged debt ; additionally, I was not aware this alleged account had been allegedly " sold '', I never received a first communication letter from XXXX XXXX  for said collections of this alleged account. 

As an informed consumer and as per FTC report " The Structure and Practices of the Debt Buying Industry '' published/dated XX/XX/XXXX ; I request from XXXX XXXX the forward-flow agreement they signed with Synchrony when they purchased said alleged debt. 

I also request XXXX XXXX to provide : ( a ) the portfolio identification number; and ( b ) all information about the portfolio the Company obtained or obtained access to from the seller at the time of purchase, including the schedule of accounts and the bill of sale, and total purchase price. 

As per the FTC report, one of the findings was ... " Contracts revealed that both sellers and buyers knew that some accounts included within a portfolio might have incomplete or inaccurate data, including data on important information such as the then-current balances on accounts. '' With that in mind, how can either company continue reporting and attempting to collect debts that are incomplete? 

I demand this account to be zeroed out, and deleted from XXXX XXXX 's systems as well as Synchrony Bank, and for this alleged account to stop being reported to any/all credit reporting agencies. This negative item on my consumer credit report has caused a negative impact on the extension of my credit causing to be denied as well as high-interest rates. It has and continues to harm me directly as well as causing a monetary struggle and setback.

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 2017-08-17
Company: NCB Management Services 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: Was not notified of investigation status or results

Complaint:
I initiated a dispute with XXXX via BBB onXX/XX/XXXX and they told me that they are n't required to retain records to validate accounts they just call and confirm name, address, and SSN with the collection agencies. I informed them that if they do not have proper documentation to validate the account it needs to be deleted or if they do it needs to be sent to me. As ofXX/XX/XXXX I have yet to receive the requested info. I also initiated a dispute via their website HOWEVER as of XX/XX/XXXXthe account remains on my account which is clear that an improper investigation was completed. I disputed directly with the company as well on XX/XX/XXXX and as ofXX/XX/XXXX the company has YET to send me the requested proof of validation HOWEVER I 'm confused as to how XXXX " validated '' the account if me, the consumer, has yet to receive any documentation from the company nor XXXX. And it is obviously wayyyy beyond 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09
Company: DISCOVER BANK
State: IN
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:
See Attachments Sent Certified mail XXXX They are in violation of 15 U.S. Code 1692g ( b ) 15 U.S. Code 1691 ( a ) ( 3 )! 5 U.S. Code 1691 ( d ) ( 6 )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 XXXX XXXX am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : XXXX XXXX : ACCOUNT # XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion XXXX XXXX XXXX XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX are violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from myTransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed 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 non-monetary relief
Consumer complaint received 2017-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 made 2 disputes to Transunion and XXXX to remove a paid state tax lien from my report as it does not meet the XXXX XXXX, 2017 pii requirements, they continue to respond as accurate/updated. They are not complying with the new requirements and did not truly investigate my dispute as I have a copy of the original document filed from the court house. There is only name and address, no date of birth and no full social security number ( it is retracted on all of their documents ). The credit agencies are lying, they obviously are not doing the investigation and/or they do not truly have access to the original documents filed in which case they shoud have removed them. Instead they just lie about having it verified/updated. This is in complete violation.

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 2022-02-04
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:
I sent letters to all three credit bureaus stating that the inquires did not belong to me and I did not authorize them at all. These letters were sent out XX/XX/2021 and I have yet to receive a response and when I call customer support they say that they cant remove it without me filing through you all.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited $ XXXX USD in a new checking account with Citi on XX/XX/21 to take advantage of a new member signing bonus. On XX/XX/21 I initiated a wire transfer of $ XXXX USD to another account that I also own at XXXX. They refused to process the wire transfer and have had my funds locked ever since. They claim that there is an internal review that is blocking my funds from being transferred, but 3 weeks later nothing has changed. They keep saying that someone will call me, but no one ever does. They refuse to close my account or allow me to access my funds until this " review '' is complete. They are nebulous as to what group at Citi is in charge of this review, calling it " the internal department '' and " the special department for you and your account '', and they always say that they are unable to allow me to speak to them.

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 2017-09-08
Company: EQUIFAX, INC.
State: CA
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 stored my sensitive information without my permission, then allowed my information, as well as millions of others, to be accessed by individuals who had no reason to have access to said information. This all happened at the end of XXXX, and they did n't notify those impacted for over a month. Then, to check whether I was impacted by the company that gave my information away, they required a sign away of my right to participate in a lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: PENTAGON FEDERAL CREDIT UNION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 at XXXX, I had contacted PenFed customer service regarding my PenFed Gold credit card ending in XXXX. I spoke to a customer service representative XXXX about my account such as the current balance, pending charges, credit line, and credit limit. I asked her about my savings account that was required to opened the credit card. She said that everything on her screen was deliberately blocked and had my whole account into permenently ineligible. So I asked if she can speak with someone from the Fraud Department and the person she spoke to is XXXX. XXXX work for the fraud department and she refused/ignored to give her full name and position but also put in request to close my account today for whatever reasons she did not disclosed. I had given the company all/any mandatory requirements they had asked me before granting me the card. XXXX also told the customer service rep to tell me that I will received an explaination on the mail about the issues. The company said that I owed {$64.00} which I agree to pay by mail to cover the charges that I used on the credit card. They was also giving me a hard time about the address where I can send the payment and also told me when they close my account, I had to contact the credit bureaus and explain the reason why my account was closed even though it was not my fault in the first place. 

The company PenFed had given me the " Absolute Approval '' then they had a second thought about it so decide to the close the credit card including the saving account that is needed to activate the card.

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 2022-08-05
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
well here we go in a circle again. 
my father passed away XX/XX/2020. 
I can not beleive i have to write this again. 

please see the preveious complaint that was made and see citi banks enclosed response, requesting after weeks of waiting again and after months and over a year waiting still. 

and after they have had all the legal documents faxed to them many many many times. and they have been left and see as the citibanks branches live with me bringing them there. Here we go again with citi bank asking me again for the legal documents showing that I am the administrator of estate for my father XXXX XXXX XXXX, that again they HAVE BEEN GIVEN THESE DOCUMENTS SEVERAL SEVERAL TIMES. 

I DO NOT UNDERSTAND THEIR NON STOP DELAY OF ANSWERING A SIMPLE QUESTION. 
WHERE DID MY FATHERS CD GO THAT HE HAD WITH CITIBANK? 
WHEN WAS IT CASHED OR OR MOVED? AND IF MOVED? WHERE WAS IT MOVED TO? 

MY FATHER HAS HAD BOTH HIS SONS TAKE CARE OF HIM AT DIFFERENT OCCASTION WHERE HE WAS VERY ILL, IN ICU HOSPTIAL VISITS AND NURSING HOMES IN THE LAST SEVERAL YEARS OF HIS LIFE. 

IT APPAEARS A CD MAY HAVE BEEN CAHSED OUT AND STOLEN I NEED TO KNOW FROM CITIBANK, WHO ONCE AGAIN, AND AGAIN, AND AGAIN, AHS BEEN ASKED FOR THIS INFORMATION AS THEY HAVE IN THEIR POSETION. 
MY FATHERS DEATH CERTIFICATE AND THE LEGAL ADMINISTRATOR OF ESTATE PAPERS. I DONT ' KNOW HOW MANY TIMES THEY NEED THESE PAPERS GIVEN TO THEM BY ME IN THE LAST YEAR AND A HALF. 

I DONT UNDERSTAND THSI. 

I ALSO ASKED ABOUT SOME CHECKS AND MORE COPIES OF HIS CHECK REGISTERS AND CHECKS WRITTEN AND CASHED FROM HIS ACCOUNT BECAUSE AT NO POINT WERE THERE STATEMETNS AT THE HOUSE NOR STATEMENT MAILED TO THE HOUSE AND I ASKED FOR SEVERAL YEARS BACK AND I DO NOT UNDERSTAND WHY THIS IS SUCH A BATTLE. ALL THE WORK COULD HAVE BEEN DOEN IN TALL THE TIMES THEY HAVE SPENT ON PHONE CALLS, LETTERS AND RESPONDING HERE WITH TELLING THEY NEED PAPERWORK AGAIN. 

THIS IS VERY HARD ON MY WELL BEING TO CONTINUE TO HAVE TO SUPPLY CITIBANK WITH DOCUMENTS THAT THEY HAVE BEEN GIVEN SEVERAL SEVERAL SEVERAL TIMES. PLEASE JUST HELP. 

PLEASE STOP ADDING TO STRESS. i N EED THIS TO END. 

SEE THE DOCUMENTS THAT YOU HAVE BEEN GIVEN AGAIN AND AGAIN AND AGAIN AND AGAIN AND AGAIN ... NOW ONCE AGAIN ATTACHED TO THIS FILE IN THE COMPLAINT.

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 2021-08-24
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect and inaccurate items on my credit report it has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Receivables Management Partners, LLC
State: NC
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  As Follow Below : 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 602 A 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
Consumer complaint received 2017-09-26
Company: The Hamilton Law Association
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hamilton Law Firm continues to call me multiple times a week coneeding an installment loan ( online ) I informed them this was a result of identity theft and they stated they were going to take me court. They called back today even though I spoke with them yesterday and stated the same thing.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-17
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I used Coinbase.com to convert virtual currency into XXXX. I then initiated a transfer to my bank account via the XXXX withdrawal method. The total amount was XXXX.XX/XX/XXXX: Submitted withdrawal request. Website stated that "Your XXXX will arrive by the end of day on Saturday XXXX XXXX, 2017"Transaction has shown as 'PENDING' since XX/XX/XXXX.XX/XX/XXXX: Opened a ticket on their support system.XX/XX/XXXX: I received a generic response "issue with our system and are working to resolve it as soon as possible. Your case has been recorded for review by an expert."XX/XX/XXXX: Received another response "It will likely take at least a week. Let us know if you need anything else in the meantime."Internet forums and social media demonstrate that many users are experiencing the same issues. I am concerned that my funds will not be transferred to me.

Company response to consumer: Closed with explanation