BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-11
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Radius Global Solutions ( hereinafter RGS ), has designed, compiled, and furnished negative information about me to one or more consumer reporting agencies. RGS lacks a bonafide and meaningful relationship with me, meaning RGS is NOT a party to any consumer credit transactions Ive executed, therefore, any and all information furnished by RGS to any of the consumer reporting agencies should be regarded as hearsay. Furthermore, RGS failed to provide me with prior and/or post written notification of its intent to furnish negative information about me. On top of that, RGS failed to send me, or mail me an initial communication apprising me of my right to dispute and/or request verification/validation of the alleged debt. Notice of the debt/negative information and that RGS is reporting it is of particular importance to me, the deprivation of which has caused my character, reputation, and credit to be unjustly damaged. Despite not having received such notification from RGS, I was able to mail them a notice of dispute more than 30 days ago, and requested that RGS provide me with verification/validation of the alleged debt in the form of substantively admissible evidence, including but not limited to properly authenticated original account and loan level documentation. My notice of dispute and request for verification/validation remains unanswered, and has not been returned to me as undeliverable. In the event that RGS responds to this complaint countering that it did mail/send me written notification of any kind, and that it was not returned to them as undeliverable, I would like this record to reflect that I completely and unambiguously reject any such future statements and respectfully request that RGS provide me with the name or names of the person or persons who possess personal knowledge of those facts as well as proof of service/proof of mailing. Im not playing games with you people. Your unfounded assertions, and erroneous reporting have caused me significant injury and Ive had enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-11
Company: Continental Finance Company, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XX/XX/XXXX. O was in an abusive relationship that resulted in all of my possessions being stole and there is a report at XXXX  a police Department in New Jersey as proof. And later being placed as identity theft and legal action were taken place leading to a restraining order on the one accused. Still to this day, marking XX/XX/XXXX, XXXX XXXX ( {$190.00} ), CONTINENTAL FINANCE ( {$700.00} ), XXXX ( {$200.00} ), are sending debt collectors and fails claims that I applied for something new. Please help me make it stop and remove it from 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 2019-10-14
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24
Company: Syncapay, Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I earned a {$200.00} prepaid reward card via MyAcuvue Rewards. I did not activate it, and it expired. Months later I reached out to customer support and was issued another card, most likely because I never activated the first card. I got a new card issued on XX/XX/2020 for {$200.00}. There was a digital token attached to it and, there was a link to MyACUVUE Digital Rewards to activate the card. I activated the card, set up a username/password. Recently, I wanted to check the balance of the card, or at least see the payment history because I wasn't sure if I'd used it or how much was left. When I tried to access the card, I found out the company closed the account or it became expired. I contacted customer service and they basically said that if the prompts on the log in state it's expired they will not reissue it. I am mainly upset, because it has been less than a year since re-issue date, and I don't feel like it should have expired that quickly. If I had used the funds, and it was empty that's fair, but I can't even see the purchase history. I feel like I should be able to see this history given that I had the card issued to me. I am asking support to reissue the card ( especially if i had unused funds ) or to at least grant me access to the use-history to reassure myself that I had or hadn't used it.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt.

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 2021-05-24
Company: ALLY FINANCIAL INC.
State: IL
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:
XXXX XXXX XXXX account is paid off as of XX/XX/XXXX. This account should be removed from my credit score. 

Ally Financial auto account is paid off as of XX/XX/XXXX. This account should be removed from my credit score.

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 2022-11-07
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX XXXX OPENED XX/XX/2021 AMOUNT {$190.00} XXXX contacted this company to ask for verification of this account unfortunately, they was not able to do so and they are still reporting. It is not my intention not pay for debt that I owed, however, I do not recalled doing any type of business with this company, however, I asking this company to verify this account and I am not asking for any itemized bill, I am asking for contracted with my signature that stated I have done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I have been requesting, since XX/XX/2021, verification of these alleged debts that the Bureaus keep reporting on my credit files. However, credit bureaus and these companies - XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX failed to investigate & obtain, as mandated by law, proof of such debts. Yet, they continued to report & sell erroneous information about me. Therefore, it is quite obvious that they have deliberately violated my rights in more than one way which is punishable by law. Please remove the accounts immediately

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 2016-10-27
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I purchased a home in XXXX 2016. The home was a XXXX foreclosure in need of repair. After closing I spent in excess of {$10000.00} in repairs. I called my mortgage company Penny Mac to inquire about a new property assessment and removal of Mortgage insurance. They told me that this was not allowed with the type of loan I had. That I am required to pay PMI for the XXXX loan term or I could re-finance. I was not familiar with anyone reviewing these terms with me before. I asked for the loan documents with this particular disclosure be sent to me. Over a month later, I received the documents I requested. However, it is very apparent that the disclosures were " doctored '' altered/forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, 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:
For the last several months, I've been trying to get XXXX to remove a bankruptcy that was verified through XXXX. XXXX has removed this bankruptcy from my report, however, it's still showing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: General Motors Financial Company, Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Business Information Business Name : GM Financial XXXX : XXXX XXXX, TX XXXX Phone : ( XXXX ) XXXX Complaint Details I financed an automobile for my daughter through GM Financial in my name in XXXX. My daughter defaulted on the loan and I took over the payments in late XXXX. She was behind on the payments so I asked to refinance the loan but was refused. I worked with a gentleman in collections named XXXX XXXX employee # XXXX for several months making token payments until I was able to bring the acount completly current in XX/XX/XXXX with two payments of {$950.00} each which included late fees etc.. The account was paid through XX/XX/XXXX. I made the regular XXXX payment of {$470.00} on XX/XX/XXXX, 9 days before the due date of XX/XX/XXXX. I noticed late fees were showing on the account bringing the amount due to {$500.00}. I paid {$470.00} about {$5.00} over the amount due which should have been posted to principal. I inquired once in the month of XXXX and twice in the month of XXXX on their customer complaint website with no response regarding the late charges and fees that have suddenly appeared. XX/XX/XXXX payment will be due on XX/XX/XXXX and I looked on the computer dashboard XX/XX/XXXX to set up my XXXX payment for this account and see they have posted the entire {$470.00} payment of XXXX to interest only!! I am so disgusted because its very, very, very hard to reach someone at GM Financial who can add 2+2 and come up with 4!! I generally exclusively work with Mr. XXXX because he sounds like he knows something about what he is doing but he can be hard to reach. I am working very hard relinquish my association with GM Financial and incidents like this make it not be soon enough!! 
Update : I received a call from Mr. XXXX in collections XX/XX/XXXX asking me to give a little time for the company to resolve this matter and to be fair I agreed. I told him that to simplify matters my payment for XXXX would be in the form of 2 checks instead of being online. I sent check # XXXX for {$370.00} that is clearly annotated for Principal only and another check # XXXX for {$100.00} that stated clearly Interest Only. When I verified online that my payment had been received I noted that only c. {$75.00} was applied to principal!! Completely disregarding my annotations!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions 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. 

XXXX XXXX Comments : Purchased by a another lender. 
Sold to : XXXX XXXX Account transferred or sold Charge XXXX XXXX XXXX XXXX Balance : {$700.00} Status : Collection/Chargeoff , Late 120 Days XXXX XXXX XXXX XXXX Balance : {$130.00} Status : Collection/Chargeoff, Late 120 Days Comments : Account seriously past due date/account assigned to collection agency, Collection account 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 : States a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c ( a ) ( 5 ) Section 2 : 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 crime which antedates the report by more than 7 years. 

15 U.S.C. 1681c ( A ) ( 1 ) a person shall not furnish any information relating to any consumer to a 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 explanation
Consumer complaint received 2021-05-23
Company: EQUIFAX, INC.
State: GA
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:
I have reached out to Equifax & XXXX  regarding unauthorized inquiries reporting on my credit report several times. Customer service would not help take care of negative accounts. I have written letters and also called as well, XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-22
Company: EQUIFAX, 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:
I XXXX XXXX PULLED MY CREDIT REPORT AND NOTICE THERE WERE A LOT OF THINGS THAT WERE NOT MINE, AND I SENT IN A LETTER TO HAVE THE ITEMS VALIDATED OR REMOVED AND I HAVE NOT HEARD ANYTHING BACK YET. I NEED ANSWERS, PLEASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Citizens bank on XX/XX//22. If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: LEXISNEXIS
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
LexisNexis Risk Solutions XXXX XXXX XXXX XXXX, GA XXXX RE : The inaccurate and certifiably noncompliant information you Uare reporting To whom it may concern : XXXX XXXX concert ormal objecion of infomalion publiched and provided by you to XXXX XXXX XXXX and XXXX XXXX as reported and I demand for swift action on your part. Additionally, *this solice also serves as mry fightul demand tor adequate. 

investigation/reinvestigation into every aspect of any delinquency nandlor derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXXXXXX XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged XXXX my the alert a court of eecre. tornally contest ireported to reportablity of the alleged Public Record. 

'Immediately, DELETE ALL record of the following alleged public record, or else provide certified proof that you have physically -verified each notation for maximum possible accuracy and ( ) compliance with all XXXX reporting standards. 



This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum " possible '' accuracy and a maximum " possible '' completeness, which XXXX XXXX the reporting mandates that there be no deviation from XXXX Ga Format compliance since, per the XXXX, XXXX  XXXX " Any deviation -from these standards jeopardizes the integrity of the data ''. 

Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consur reports that you prepare concerning me. Your prompt attention to this important matter is requested in order to comply with federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-09
Company: Affirm Holdings, Inc
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was going to enroll in a data analysis course with XXXX in XX/XX/2023, and XXXX set me up with their financial company partner ( Affirm ) for a $ XXXX loan. 
I later contacted XXXX with in 7 days period which was in their policy that I am no longer interested in the class, that I no longer want to enroll for the class. 
I called on XX/XX/2023, at XXXX EST and at XXXXXXXX EST to let you know that I am not interested in the XXXX XXXX XXXX XXXX XXXX XXXX program anymore, the sequel to the offer you gave me on XX/XX/2023. " XXXX XXXX '' was the guy that enrolled me, and he said " it is not possible '' for me to pull out, and I told him that he can not force me to be in the program, and in addition, that was within seven days of their policy to notify him. 

I called again on XX/XX/2023, at XXXX EST to reinforce my decision that I am NOT interested anymore in the program. He mentioned that I should give you till the XXXX or XXXX of XXXX, XXXX, so that you can guide me on how to apply for the refund, because my loan was already set up with Affirm. He did not call, I called him and he ignored all my calls, I emailed and he did not respond, so I called Affirm to let them know I have contacted XXXX that I will not be enrolling in the class anymore. Affirm motioned that a case will be opened and they will investigate and make a decision within 15 days. I have not heard from them, and the first payment was due on XX/XX/2023, and the payment is showing as though I defaulted, and this will affect my credit score/report. I have opened a case with Affirm, and it is as if they are not doing anything. I reported XXXX to XXXX, and simplilearn responded that they will reach out to me and resolve the issue with me, but no one ever reached out. I have a loan in my name which is showing that I defaulted, but I never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
RE : XXXX XXXX - XXXX. 

TransUnion continues to report this account inaccurately on my credit report. 

1. This account was sold to XXXX XXXX XXXX ( collection agency ) 2. Next it was sold to XXXX XXXX XXXX ( Collection Agency ) This account has been sold to a collection agency you are no longer owed for this debt. The following specific fields on my credit report should read as follows : 1. Balance : {$0.00} 2. Amount Past Due : {$0.00} 3. Account transfer to XXXX XXXX XXXX or XXXX XXXX Additionally, I have filed a complaint with the Attorney General for the State of Michigan and the Attorney General for the State of California.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$3800.00} ; XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX Balance : {$250.00} ; XXXX Inquired on XXXX XXXX, 2022 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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