BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-15
Company: Radius Global Solutions LLC
State: WI
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom It May Concern, On XX/XX/19 I received a letter from Radius Global Solutions, a collection agency in XXXX, FL, on behalf of XXXX XXXX XXXX. The notice was for a balance for {$980.00} for an unknown to me at the time services/fee/charge. I reached out to Radius on XX/XX/19 to validate the debt and make the necessary arrangements to have this taken care of. I found out that this was the deductible balance owed on a leased vehicle through XXXX to which I was a co-signer for a XXXX XXXX as the primary account holder. XXXX and I do not live together, nor communicate so at the time I had no idea this balance was even owed. I never once received a call or letter from XXXX stating that the balance was due and if not paid the account would be forwarded to collections and listed as a charge-off on my credit report. Had it been made aware of the debt I would have seen to it that it was taken care of by XXXX and/or paid the balance off myself to protect my credit. 

On Saturday XX/XX/19 late evening I received a notification that XXXX had listed the account to the credit bureau as a charge off / collections account negatively impacting my credit score. I called Radius on XX/XX/19 to find out what as going on and they indicated that this was coming directly from XXXX. After calling XXXX to dispute this listing the CSR was not helpful, quite rude, and I got nowhere. The line I was told over and over again was " we are contractually obligated not to speak to you about this account ''. Even though they are the ones who are reporting this to the credit bureau. I'm writing to you today in hopes that this will create some buzz and ultimately get XXXX to remove this from my credit report as the debt was never validated and now they are screwing up my score. 

I would like to make it very clear that RADIUS GLOBAL has been great to work with. My issue is only with XXXX XXXX XXXX XXXX! 

Best regards, XXXX XXXX XXXX XXXX Radius Global Solutions Acct : # XXXX XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: PA
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) # XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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/XXXX I made an online payment using the Bank of America online portal. Prior to this, my phone was stolen on XX/XX/XXXX, which resulted in me needing to have my ACH information on my bank account changed after realizing I had multiple transactions I was not aware of. My bank told me all " familiar '' charges ( IE : insurances, credit card payments, etc. ) would not be impacted. On XX/XX/XXXX I received an email saying my payment failed. I attempted multiple times to log back into the app, but by the time I got the email it was outside of the XXXX minutes they provide you to log in for security purposes. After failing again today I called them, and was told that as of XXXX my account was cancelled due to non-payment ( have missed 2 payments EVER ). I did not receive any email until I called in ( I have phone records of this ). I spoke with a Senior Credit Analyst and they told me they would submit a request to reopen my account, NOT TELLING ME THEY'D DO A HARD INQUIRY ON MY CREDIT RESULTING IN A DING. For such a large financial institution, their business practices are disgusting and frankly I am wanting my account reinstated effective IMMEDIATELY. I made a {$1200.00} payment today that has gone towards the account. I need someone to contact me ASAP and I will continue to report them to every organization possible in addition to sharing my experience on social media.

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 2021-11-09
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: Their investigation did not fix an error on your report

Complaint:
I have recently viewed a copy of my credit report after being denied credit approval. Upon looking over my report, I see a series of misleading and inaccurate data being reported on my credit file. Please reinvestigate these accounts for inaccurate reporting. The FCRA and FDCPA mandate all data furnishings reported be accurate right? If deemed to be reporting as inaccurate then said account/accounts must be deleted from the credit profile immediately for violating the FCRA and FDCPA correct? The inaccurate reportings are already attacking my credit worthiness, diminishing my character and affecting my ability to obtain credit. I requested a prompt reinvestigation of these accounts immediately. 
Under FDCPA Regulation all accounts under dispute must be immediately removed from a consumers credit report until the full investigation is completed. You are in violation, I have repeatedly contacted your company with no regard. This is not a regular dispute this is a letter for you to command and comply. 

FDCPA 15 U.S. Code 1681i ( A ) ( 1.A ) All disputed information must be removed from a consumer credit report while it is under investigation. 

I have contacted Experian several times about these misleading and inaccurate accounts. I have a attached documents to the pervious CFBP complaints proving these accounts to be misleading and inaccurate. They also tried to claim it was a third party disputing so I called in and gave authorization for the to complete the investigation on those disputes.

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 2023-05-09
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called XXXX XXXX numerous times to get a credit card i never applied for removed. I went into a bank branch at XXXX XXXX XXXX XXXX to replace a damaged debit card and was told that due to our commercial account being in good standing we were pre approved for a XXXX line of business credit. They had me fill out a form and came back and told me i was denied. I thought pre approved meant no credit check. The bank teller named XXXX ( who is no longer employed by XXXX XXXX ) informed me that i was approved for a XXXX credit card instead. I turned down the credit card flat and she informed me that the account was already opened. This is i believe a bait and switch. Anyway i refused the card. They apparently mailed out a card to someone and claimed that it was used by me. I do not have their card nor have i ever accepted the card. They opened it without my permission, admittedly closed it to a XXXX balance and opened a second card and issued it to god knows where and whom. I filed a complaint under the class action XXXX vs XXXX for which a settlement check was sent to me for XXXX something dollars. XXXX XXXX refuses to abide by the settlement and continues to dispute my dispute with the credit agencies that i do not owe them anything. Instead they have me listed as owing them over XXXX XXXX dollars. Please help as this has been ruining my credit for the last 5 to 7 years.

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 2022-06-03
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:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Per Fair Credit Reporting Act Section 605B, which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2020-02-16
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I have sent EXPERIAN and XXXX  5 letters disputing an charge off in the amount off {$3300.00} from XXXX  XXXX. Experian and XXXX  did not verify the accounts according to Federal law nor supplied me with any copies of Original contracts with my signature on it as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and did not delete the unverified information 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 non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: NV
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 am a victim of identity theft. The information listed in attachment which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. 
It is the result of identity theft. 
I have disputed these accounts with you since XXXXXXXX XXXX XXXX and NO action was taken. 
section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX BUSINESS DAYS and to promptly notify the furnisher ( s ) of that information. As consumer I am requesting these accounts to be deleted IMMEDIATELY Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( s ) of that 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 2022-06-03
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a dispute letter to XXXX, XXXX and Experian XX/XX/2022 in regards to items reporting inaccurately on my report. It has been well over 30 days and I havent received an update on this investigation. The credit reporting agencies are not complying with their own policies in a timely manner

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 2017-01-11
Company: The Allen Daniel Associates, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
To the Consumer Financial Protection Bureau : I XXXX XXXX, now files a complaint against a collection agency that has acquired information pertaining to a business that has been closed for well over seven ( 7 ) years. The XXXX of XXXX realizes that there are mandates for the collection of state fees for corporations to remain in good standing. These fees, once unpaid for one ( 1 ) year automatically dissolve a corporation or limited liability company originally accepted by the XXXX. In the attached letter, a collection agency is very cutely trying to show that they are trying to collect a monthly withholding tax, which is ludicrous enough. The Federal Trade Commission realized that trying to maintain a reasonable collection system in the country is impossible without legislative measures from Congress, an act that has been voided since Congress is moved only by lobbyist from various banking concerns and the thousands of collection agencies nationwide that can not be regulated. However, this collection by an entity known as The Allen Daniel Associates , Inc. is so corrupt and a threat against me personally or my driver 's license, that this agency should be permanently barred from acquiring information from the XXXX Department of Revenue. It may be possible that the XXXX has no idea that such a collection activity even exists, or that this state agency in in collusion with a collection practice that steps far beyond Fair Debt Collection Practices Act guidelines. One thing is certain, the corporation has been closed for far more than one year, and that there was never a withholding tax instituted by the XXXX of XXXX. I demand that all demands for payment cease and desist by this small-time collection agency known as The Allen Daniel Associates , Inc., and that this information from the XXXX of XXXX Department of Revenue be purged permanently. There is legal precedent on my side, and this threat by a collection agency on fictitious numbers and on claims that can no longer be legally enforced is a disgrace to the measures enforced by the Federal Trade Commission ( FTC XXXX XXXX XXXX XXXX XXXX - 2009 ) I demand that this collection agency be sanctioned by the CFPB and that the XXXX of XXXX be warned that these threats of illegal collection actions be shut down immediately. I will follow up with a complaint to the XXXX, both in the XXXX of XXXX XXXX as well as the state of XXXX if I do not have all collection actions permanently closed out within ten ( 10 ) business days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the XXXX and TransUnion credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXXDOFED XXXX Date Opened : XX/XX/XXXX Balance : {$7800.00} and XXXX/DOFED XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting 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:
This person never inquired if anything furnished on my report is accurate. They just took it upon their self to damage my reputation. 

As far as Im concerned all of the inquiries, hard & soft does not belong. 

They say that they reach out to the company to verify or validate but they never contact me to see if its the truth. 
Thats a violation under the FDCPA Everything furnished on my report as of XX/XX/ is inaccurate, false & miss leading ( XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX, XXXXXXXX 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 explanation
Consumer complaint received 2023-05-09
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: Their investigation did not fix an error on your report

Complaint:
The credit reporting agencies are reporting an account that is not mine. I sent letters to the collection agency asking them to verify that this account is mine in which they have failed to do so. As stated in the letter sent to the collection agency XXXX  XXXX XXXX, the original creditor hasn't even confirmed this debt so why is this reporting on my credit report? The original creditor XXXX XXXX wrote off an account, but it was not for this amount and I am tired of this incorrect reporting. This is a violation of the FCRA and FDCPA. I am demanding that this account is removed immediately. Attached is the dispute letter that was sent to XXXX which is dated, and time stamped. Please remove the account 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 explanation
Consumer complaint received 2023-05-09
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account has been paid but XXXX, Experian, and XXXX have been reporting as follows : XXXX ACCOUNT NUMBER XXXX BALANCE {$2500.00} ACCOUNT OPENED ON XX/XX/2021 REPORTED AS COLLECTION. 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 an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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