BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Attached to this complaint is a copy of a debt validation notice we received on  XXXX   XXXX ,   XXXX  , and dated  XXXX   XXXX ,   XXXX  , from the debt collection law firm of  XXXX   XXXX  in  XXXX  WA.     We dispute the validity of the debt identified in the notice and we will be sending a formal debt validation request and dispute letter directly to  XXXX   XXXX  within t he 30-day period of receiv ing this notice.  XXXX   XXXX  should cease and desist all collection activity and threats of judicial foreclosure until they have validated a debt, provide proof of creditor status and provide a complete accounting of all individual amounts, which would include any  3rd  party payments made towards this loan from obligors and other parties. Evidence of any electronic transfers of the note should be provided as well to establish who is entitled to receive payments.     The notice is a threat to deprive of our property with the statement, Even though the judicial foreclosure process is being commenced and may proceed during the 30-day period In this notice,  XXXX   XXXX  provides a false statement that BANK OF  AMERICA, N.A. ( BANA ) , is the current creditor to whom the debt/loan is owed.   BANA has never extended credit to us and has no economic interest in promissory note. BANA is only a servicer debt collector.
In a previous notice ( attached with this complaint ) sent to us by BANA, th  ey stated that  XXXX   XXXX   XXXX   XXXX   XXXX  was the creditor to whom the debt was owed.      XXXX   XXXX  and   BANA are violating the FDCPA that they must comply with.
BANA   is not a creditor per the FDCPA http : //www.ftc.gov/os/statutes/fdcpa/fdcpact.shtm   803. Definitions [ 15 USC 1692a ] As used in this title -- ( 4 ) The term " creditor '' means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
http : //www.ftc.gov/os/statutes/fdcpa/commentary.shtm Section 803 ( 4 ) defines " creditor '' as " any person who offers or extends credit creating a debt or to whom a debt is owed. '' However, the definition excludes a party who " receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. '' 1. General. The definition includes the party that actually extended credit or became the obligee on an account in the normal course of business, and excludes [ 53 Fed. Reg. 50102 ] a party that was assigned a delinquent debt only for collection purposes.

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 2017-04-11
Company: CITIBANK, N.A.
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
We had a {$39.00} credit from a credit card company ( Citi Bank ) that was allegedly refunded by check on XX/XX/2017 that never reached us. 
We have called numerous times, talking to numerous agents and supervisors ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/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 2022-04-28
Company: EQUIFAX, INC.
State: AZ
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:
To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPPA. XXXX XXXX did NOT provide me a HIPPA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously. 


Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Experian Information Solutions Inc.
State: NV
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 disputed an error on my Credit Report on XX/XX/XXXX using the Credit Bureau 's online dispute process. I included documentation from the Creditor stating that my payments were deferred from XX/XX/XXXX until XX/XX/XXXX. The late payments, XX/XX/XXXX and XX/XX/XXXX, should be removed immediately from my Credit Report if payments were not required during this time. Also if my deferment ends in XX/XX/XXXX, then how are my payments starting back up in XX/XX/XXXX. That is another error on my Credit Report.

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 2021-11-20
Company: JPMORGAN CHASE & CO.
State: TX
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 XXXX CREDIT CARD SHOWED UP WITH A XXXX Balance. Incorectly which shot my credit down XXXX points. to XXXX ... called chase and filed a dispute... they now show me to the normal credit card balance of XXXX. 

Called corporate offices since this has affected my businness and XXXX loan. 

XXXX received the correct balance as of today XX/XX/XXXX. my score went up XXXX points yet it still shows on my report that I once had that balance. my score should of been back up to XXXX. 

They should not be able to do those things even by accident, how does my credit shot by XXXX points and only once corrected up XXXX points. Help! XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls me no less than XXXX  times a day and anywhere from XXXX. Some days it's XXXX, others it's more. 
Numbers show up as originating in various XXXX cities, including local areas. 
Regardless, this is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-25
Company: Cogent Road, 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: Credit inquiries on your report that you don't recognize

Complaint:
After briefly speaking with   XXXX   XXXX   XXXX   on   XXXX   XXXX   XXXX     to inquiry about the services they offer. I was told that my personal information would be needed to obtain information about their services. I specifically asked how my personal information would be used including my social security number. I was told that collecting this information is standard and only used for their customer service database and that my social security number would not be used without my permission for any reason. I was very angry to see that I was not told the truth and that my credit was run by your agency without my written or verbal permission. I was immediately notified by my credit monitoring service,   XXXX   that my cre dit may be at  risk. I called  XXXX ,  XXXX  and   XXXX   to inform them that I had not given your agency or   XXXX   XXXX   XXXX   to use my credit without notification.     I was told by each agency to contact   XXXX   XXXX    because t his is the company that ran my credit without my permission or ever speaking with them. Each bureau stated to ask   XXXX   XXXX    to remove  the hard inquires that were placed on my credit reports without permission. Each credit bureau stated that your company can remove the inquiries from my credit reports in the same matter as they were placed. Im formally asked them in writing that   XXXX   XXXX    remove the se erroneous inquiries from my  XXXX ,  XXXX  and   XXXX   credit reports. I read their website in depth and I see that they value consumer information privacy because their website clearly states that that I must be on the telephone to verify personal information about myself to ensure that the company is speaking with the right person before they will run your credit. This protocol didnt happen in my case and Im very upset and I never gave authorization to   XXXX   XXXX   XXXX   or   XXXX   XXXX    to share  or run my information.     I sent a certified letter to    XXXX   XXXX   after spe aking with  XXXX  who works for   XXXX   XXXX    .   XXXX  stated that I would need to send a certified letter to their office asking that the hard inquiries be removed from all of my reports. I sent the letters and received the return receipt back confirming that   XXXX   XXXX    received m y letter. I have called  XXXX  numerous times and he has never called me back and I even sent a message via their website and no one has gotten back to me.     I 'm asking that your agency please help me to resolve this matter as I have tried to no avail to get a response or the hard inquiries removed.     Thank you in advance for your time and attention.

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 2022-04-28
Company: Resurgent Capital Services L.P.
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: Credit inquiries on your report that you don't recognize

Complaint:
In Accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-17
Company: TIDEWATER FINANCE COMPANY, INC.
State: AL
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:
A representative from a dealership XXXX XXXX attempted to get me in a new vehicle after bankruptcy. Mr . XXXX was aware of me not wanting to get a new because I reaffirmed my current car. He called me because my info was given to him somehow from when I filed bankruptcy. My credit report was pulled anyways and it shows inquiries from these four companies dated XXXX XXXX, 2019 from the following companies : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, Tidewater Motor Cred. I did not get another vehicle and would like these inquiries removed from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
portafolio recovery associates llc have consistently called me on the weekend since XX/XX/2022. I dont recognize them as a lender to me. I refuse to answer their calls. I sent them a letter demanding they stop calling specially on the weekend.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Problem getting a working replacement card

Complaint:
I have updated my address to where I wanted my capital one card mailed to and yet it is still.bekng mailed to the old address and that is why I am.stil having trouble with identity theft ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from I.C. System Inc. last month that displayed a balance of {$180.00}, I sent a cease and desist letter advising that I wanted to communicate with the original creditor in which is XXXX. I noticed today that this account has been placed on my credit reports. In doing further research about this company I.C. System Inc. that purchased this account from XXXX, they currently don't hold a Collection Agency License, their license was surrendered on XX/XX/2010. I am demanding for this account to be removed from my credit reports immediately. They have violated the NC law that requires entities who engage in the collection agency business and or solicit debt must hold a Collection Agency License.

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 2021-11-20
Company: AFNI INC.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I TOLD THEM I NEEDED XXXX XXXX RELIEF BECAUSE I WAS HAVING TROUBLE PAYING THE BILL AND ENDED UP HOMELESS AND THE NEVER GAVE ME ANY RELIEF WHATSOEVER AND CALL AND CALL FROM ALL KINDS OF DIFFERENT NUMBERS PRETENDING TO BE A FRIEND AND NOT TELLING ME WHO THEY ARE AND THEN THREATEN ME BY THE END OF THE CALL THEY EVEN USE A LOCAL AREA CODE EVERY TIME AND HAVE MADE IT HARD FOR ME TO FIND WORK BECAUSE NOW EVERY TIME I GET A LOCAL CALL I GET SCARED TO ANSWER AND HAVE TOLD THEM TO STOP CALLING AND THEY JUST KEEP CALLING FROM SO MANY DIFFERENT NUMBERS. THEY HAVE MADE MY CREDIT REPORT GO DOWN BY XXXX XXXX AND THAT'S EXTREMELY HIGH FOR THEM TO BE ABLE TO DO THAT WITH THEIR REMARKS ALONE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-04-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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 rewards from credit card

Complaint:
On approximately   XXXX   XXXX  . When I requested a new card and reported my husband 's death. They informed me since he was the main card holder that our points dropped from  XXXX  plus this month 's statement to  XXXX . I told them that they used both of our incomes when the card was applied for, but they saw his death as a way to delete some points that they would not have to pay out. On a phone call on   XXXX   XXXX  , I was harassed by them when they would not give me my account balance after I gave them all the information required. Every person I talked with was extremely rude and not compassionate at all. They used my husband 's death as way to make money.

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 2021-11-20
Company: MRS BPO, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A company called MRS Associates called me without identifying themselves as a debt collector. I have no idea who they are and what alleged debt they are trying to collect. I don't owe them any alleged debt and their communication tactics are in violation of the Fair Debt Collection Practices Act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 

Please remove/block the disputed items as they were opened without my consent or knowledge, pursuant to Section 605B of Fair Credit Reporting Act.XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2020-01-14
Company: Amsher Collection Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX sold this account to this third party debt collector, that was paid in full and their are attempting to collect. This is third 3rd party that has attempted to collect after written correspondence is sent to verify the debt under Fair Debt Collection Practice Act 15 USC sec. 1693 seq. Without Prejudice

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: Resurgent Capital Services L.P.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is my second complaint against the following companies. 

Resurgent Capital Services L.P. ( " Resurgent '' ) and LVNV Funding LLC ( " LVNV '' ) are in violation of the Fair Debt Collection Practices Act ( " FDCPA '' ) 15 U.S.C. 1692f ( 1 ). The company is also engaging in racketeering activity and defamation of character.

1692f ( 1 ) prohibits debt collectors from making any attempts to collect on a debt unless expressed in the original agreement. The credit card statements, credit card agreement, and the chain of custody documents are all general. The company does not possess any account-level documents that would identify me as the debtor. They admitted this in their attached response. Please note that this Account is not specifically referenced in the attached chain of assignment. See Exhibit A CFPB Complaint Response The documents attached to the response do not address the accuracy of the documents. Many debt collectors have purchase agreements from original creditors that admit to their files not being accurate. In order to provide proof of claim you must show account-level documents that identify me as the debtor. 

Resurgent and LVNV are attempting to collect an alleged debt in the amount of {$690.00}. There is no contract that gives the company the authority to do this. Therefore they are in violation of the FDCPA, spreading false information about me to third parties and attempting to swindle me out of money. These crimes are held criminally liable under Title 18 with a fine of up to {$500000.00} and 20 years jail time.

To be clear, I am disputing this debt and invoking my right to obtain documentary evidence, in accordance with 15 U.S.C. 44 for the records as described in IRS Publication 583 for Account ending in 8079. In the event that Resurgent and LVNV do not have the documentary evidence I demand they immediately cease collection, XXXX out the account and delete the debt from my consumer report. Failure to comply may result in legal action.

Company response to consumer: Closed with explanation