BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-10
Company: Radius Global Solutions LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
In XX/XX/XXXX I spoke with XXXX from XXXX due to a bill that was never submitted. She worked out a payment schedule ( attached ) where I would pay an amount per month and assured it would not go on my credit report. 

During this time I received a notice from Radius global regarding a past due amount. I contacted radius global and they assured me that since it was being paid through XXXX, I would not be charged through Radius global. 

Within a month I received a collection of negative reports on my credit report. 

I immediately called XXXX and spoke with XXXX who stated that it was fully paid and should not have gone to Radius Global. 

I still receive letters from Radius Global even though there is no debt on my account. XXXX sent an email to Radius global to have it removed and I am still receiving letters from Radius global. 

This was a medical bill which I received no prior notice and was due to XXXX. XXXX insists that I have no outstanding debt and should not have been sent to Radius. 

This is complete fraud that I should pay both Radius Global the same amount which was paid for by XXXX. 

If necessary, I will retain an attorney due to fraud.

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 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to file a complaint regarding a case of identity theft that I have recently discovered. I believe that my personal information has been compromised and used fraudulently to open accounts without my knowledge or consent. I am seeking your assistance in resolving this matter and protecting my rights as a victim of identity theft. I have contacted all three major credit reporting agencies, including TransUnion, XXXX, and XXXX, to place fraud alerts on my credit reports and request a copy of my credit report to review for any further fraudulent accounts or activities. 3. Notified Financial Institutions : I have reached out to my bank, credit card companies, and any other relevant financial institutions to inform them of the identity theft and request that they freeze or close any accounts associated with it. 4. Contacted the Federal Trade Commission ( FTC ) : I have filed an identity theft report with the FTC and obtained an Identity Theft Affidavit. Supporting Documentation : To support my claim of identity theft, I have enclosed the following documents. Identity Theft Affidavit from the FTC Request for Assistance : I kindly request that the Consumer Financial Protection Bureau investigates this case of identity theft and assists me in resolving the matter. I seek your guidance in ensuring that all fraudulent accounts are closed, any unauthorized charges are removed, and my credit report is restored to its accurate and rightful state. I understand that the Consumer Financial Protection Bureau has the authority to intervene and take appropriate actions to protect consumers in cases of identity theft. I kindly request your utmost attention and prompt action in resolving this matter and providing me with the necessary support and guidance. Thank you for your time and consideration. I eagerly await your response and resolution of this matter. 
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 2022-05-16
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My name is XXXX XXXX. I had an auto loan with Exeter Finance LLC. 

The reason for my email is to report the financial bad business concerns I have with my auto loan. I have spoken with Exeter Finance on several occasions about my loan ; the interest payment, why my extra payments or overage payments werent going towards my principal, and why my monthly statements require more money than my contractual obligations. 

This is a list of the concerns I would like the Federal Trade Commission to review. 

Exeter Finance billed more than my contractual obligations, my contractual payments were {$210.00} monthly. I was told it might be fees. 

Exeter would not apply extra payments toward my principal, even though I would call and request that the excess amount be applied to the principal. Example XX/XX/2019 {$100.00} principal payment was removed on XX/XX/2019 and then applied to interest only on XX/XX/2019. On XX/XX/2019, a payment from XX/XX/2019 was removed from my account and was never applied anywhere on my account. I confirmed with my bank that {$240.00} on XX/XX/2019 was paid to Exeter Finance. ( I never missed a late payment or was late on a payment ) I paid {$150.00} in interest on XX/XX/2019, when I questioned Exeter about it, I was told it was because of the number of days between my XXXX and XXXX payment. 

The interest payment did not decline as the balance declined. 

I paid my loan off one year and one month early because I was tired of going back and forward with Exeter, but I paid the same interest as if I had taken the loan to full term. I also believe I overpaid on the principal balance. 

These are just the financial issues I could identify. As Exeter representative explained to me once, " you would not understand the complexity of finances '' I ask that CFPB to evaluate all documents. 

I do have documents to support all claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, 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:
I received a copy of my credit report and I see that this erroneous information from XXXX XXXX is still on my credit report. I am reporting this account incorrectly and fraudulent This account does not and have not ever belonged to me, it is a closed account, but also shows remarks stating it was charged off as bad debt and the dispute was resolved wit a balance of {$11000.00}. According to FRA, I have the right to an accurate credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I filed a dispute with capital one in XXXX of 2020 because they were reporting my payments late so my score took forever to update. Capital one removed my credit cards from my credit report ( I have 3 cards ). I was about to buy my dream house with a credit score of XXXX it took me a year to go from the 500s to where I'm at now. My fico score is trash my credit score is now XXXX and I have never ever missed a payment!!! I've worked as an essential worker and finally had everything I needed until capital one dropped the ball. I was told they might put them back. So I hung up and now I'm here! I did nothing wrong they gave me 3 credit cards and then trashed my credit all I can do is cry.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Neiman Marcus credit card, which I have had for more than 40 years, charged me for merchandise I did not receive. They charged for {$310.00} of items that they say were delivered by XXXX XXXX. These items never arrived. I spent more than an hour on the phone with NM, and they agreed to refund. But they did not do it. The items are still on my statement. NM has become very corrupt, with the apparent help of XXXX XXXX driver ( s ). This is outrageous. I will not pay for items never received. Order # XXXX. I only received one items from the order ( jeans ) and even that box was ripped open. I will not pay for items never received. I will pay for the jeans ( {$100.00} ) but nothing else. Unfortunately, they have turned over their credit card to Capitol One to manage, and they are notorious for being non-responsive to complaints or problems. I have tried to resolve this with NM, but {$310.00} of merchandise that was never received is still on my bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: EQUIFAX, INC.
State: NC
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 am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX 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 XXXXXXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ID
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-06-22
Company: Experian Information Solutions Inc.
State: LA
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:
I sent the attached document to XXXX, XXXX and Experian on XX/XX/XXXX and have not received a response or documents to validate the listed items on my consumer report. As of today XXXX/XXXX/XXXX these items are still listed on my consumer report. Below I have listed the accounts names and number that are showing on my consumer report that I requested to be verified since I do no recognize these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana XXXX Date : XX/XX/XXXX Dear XXXX XXXX XXXX, I received a copy of my credit report and found the following inaccurate items which are reporting in error : XXXX XXXX XXXXXXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXXXXXX XXXX XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX XXXX - XXXX - This is not mine - please remove this inaccuracy from my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
XXXX - XXXX - This account is settled. Please provide written validation to the address above. 
INQUIRY  - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - XXXXmpermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove from my credit report. 
INQUIRY - XX/XX/XXXX - Impermissible credit pull. Please remove 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 2022-05-14
Company: ACIMA CREDIT, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XXXX my credit monitoring service alerted me to a new account created for Acima. This company allows customers to buy now pay later. I didnt open this account and it was clearly a result of identity theft. I tried to resolve with the company but they said they needed me to file a complaint with FTC fraud prevention. I was then routed here. The account is now delinquent and has made my credit poor. Acima doesnt have a phone number for their fraud department and make it difficult to resolve these sorts of issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
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: Information belongs to someone else

Complaint:
Hi, I have addresses on my credit profile that do not belong to me and I would like them removed ASAP. The only address that should be reflected on my credit profiles is XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA 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 2023-05-30
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
I purchased a United Airlines ticket using my Chase United Explorer Visa on XX/XX/XXXX for {$1900.00}. I opened this account specifically because the card offered Trip Cancellation/Delay insurance and offered me points for purchasing a United flight XXXX 

My flight was scheduled to depart on on XX/XX/XXXX. However, due to inclement weather ( there was a large winter storm system affecting the entire country ), one of the legs of my trip was cancelled, and I was forced to rebook to a nearby destination the following day. This required me to book a last-minute hotel and pay for meals ( {$380.00}, not covered by United, they do not reimburse for weather ) and book a land taxi and water taxi to my final destination. 

On my return trip, the last leg of my flight was cancelled due to weather, and I was told no flights were available for multiple days. Therefore, I rented a car for {$240.00} and drove the 7 remaining hours home. I filed a claim with XXXX XXXXt XXXX ( the vendor responsible for administering Chase 's trip delay/cancellation insurance through XXXX ) on XX/XX/XXXX. I provided them with my original itinerary and charges, screenshots of the texts from the airline announcing the delays and cancellations, a receipt for my taxis, and a receipt for my hotel and food. 

On XX/XX/XXXX, they responded requesting a copy of my original itinerary ( which I had already provided ), and any credits received from United Airlines. I supplied this information. On XX/XX/XXXX, they responded requesting receipts for my meals. I supplied the receipts for my meals. There were several phone calls with customer service reps in this timeframe asking them to confirm that they had everything they needed, which I was assured they did. I followed up on XX/XX/XXXX as I had not received a final response, and was told my claim was in the final review stages and I should have a response soon. 

On XX/XX/XXXX, I received an email from XXXX XXXX XXXX asking me to supply my original itinerary, a copy of the rental car receipt, and a copy of my rescheduled trip ( all items I had already provided ). I called XXXX XXXX XXXXXXXX for an explanation, and they stated someone would review my claim within 6 business days, and they would try to have the claims examiner call me within 48 hours. Meanwhile, almost 6 months have already passed since the filing of the claim. 

I believe this " benefit '' of trip cancellation/delay insurance is a scam in which ChaseXXXX XXXX XXXXXXXX attempts to prevent consumers from using their contractual benefits by drawing out review periods and continually asking for documentation that either ( 1 ) has already been provided or ( 2 ) was never mentioned in previous communications.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting 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 writing to delete the following information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 
I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX DOB XXXX SS XXXX. 
I had some issues with my income being affected by the COVID-19 PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRA section 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. CAPITAL ONE AUTO FINANCIAL # XXXX account is reporting 30,60,90 DAYS LATEsince requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Dear Sir/Madam, I am writing to request the immediate removal of credit accounts associated with XXXX account # : XXXX from my credit report. These accounts contain inaccurate information that is in direct violation of 15 USC 1681. Furthermore, I never provided written consent for XXXX to report my information, as required by 15 USC Code 602 ( a ).

I kindly request your prompt intervention to ensure the swift removal of these erroneous accounts from my credit report. Your attention to this matter is greatly appreciated. 



Sincerely, 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