BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-10
Company: Radius Global Solutions LLC
State: TN
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:
In accordance with the fair credit reporting act XXXX XXXX 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 U.S. Code 1681a - Definition ; rules of construction - Exclusion. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open consumer credit plan as late for purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: EQUIFAX, 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 information incorrect

Complaint:
Back in XXXX  my mortgage was sold from XXXX XXXX to XXXX XXXX XXXX  My house was already in foreclosure due to unemployment and my husband not recieving XXXX for well over a year. Mind you XXXX XXXX always worked with me. This was our home that foreclosed on in XX/XX/2019. Sold without my knowledge even though I was sending them documentation proving unemployment and husband not working for over a yr. Trying to hold onto my home of XXXX yrs. So mail was late -- I requested short sale, no answer. Foreclosed improperly -- this is a third party predatory lender. So now we are tyring to get approval for new mortgage however old info on my credit report and my husbands. Showing {$6000.00} due from a mortgage that was in foreclosure so I was trying to send a few payments in but because mortgage was already in foreclosure from the yr prior. Oh after we had help from Illinois XXXX hit fund which picked up late or no payments due to PROOF OF NO INCOME. XXXX was useless not good customer service, never answered or helped. In fact I had to send in document 3 times but by then my home was sold and I received notice of it oh about XXXX weeks after the sale date. HORRIBLE. We now are sitting in a small apt in the worst part of town. We are XXXX I have lost so much. Its so bad. Thanks XXXX for all of your help. They love to put old ppl out on streets. we were XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
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: Was not notified of investigation status or results

Complaint:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: Global Lending Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
I was lulled into a car dealership with a preapproved offer of a car loan. Eventually I was denied the loan but after checking my report I've noticed a barrage of inquiries from different finance companies that weren't authorized by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-13
Company: First Associates Loan Servicing LLC
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I attended XXXX XXXX XXXX in XXXX XXXX, Florida from XX/XX/XXXX to XX/XX/XXXX. While I attended schooling I was mislead in the education was receiving and cost of schooling of there. When I graduated in XX/XX/XXXX I noticed the total cost was not the same as I previously told by others that show me the total cost. Then in XX/XX/XXXX I was receiving phone calls in regarding of paying back on a private loan that was from that schooling. I was not aware of any private loans nor I did not sign for any private loans and again told everything was done through U.S. Department of Education. I was mislead with the information that was given to me at that time and a loan went to a private loan. The private loan is XXXX XXXX XXXX. From XX/XX/XXXX to current I have been paying this loan and having trouble with the payments every month. Also in XX/XX/XXXX XXXX XXXX XXXX close it doors for good and many people in a similar situation of repaying loans for a school that mislead consumers like me in the cost of the schooling. In XX/XX/XXXX I filed a Borrower Defense claim with the U.S. Department of Education and it is still pending. Then in XX/XX/XXXX a U.S Judge awarded XXXX XXXX in claims for students attending the school for private loans and Education loans. With the loan with XXXX private loan the amount has not deceased since XX/XX/XXXX to current. It is still the same amount since it has begun. I do not understand how this can be since I have been paying for this for 5 years. Also it has destroy my credit because there are moments where I did fell behind and they keep harassing me with phone calls with threats till I give in and made a big payment so I can get caught up and end the harassing phone calls. In my opinion this private loan should be connected with my Borrower Defense claim because they are both coming from the same school. This loan should be forgiven because the school is no longer in exist and the court has just awarded for any students attending this school for private loans and Education loans. Please help me with this situation of ending this private loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
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: Account status incorrect

Complaint:
XXXX XXXX showing open account for charged off account. they will not remove this from my credit reports. FCRA

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 2021-10-22
Company: AMERICAN EXPRESS COMPANY
State: VA
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:
I was given a retention offer of XXXX XXXX miles on XX/XX/XXXX. It is now XX/XX/XXXX. I have called five times, been on hold/asked about this for a minimum of 6 hours, to be told today " it is a known problem and we are working on it. '' Please give me what you said you would give me without me having to call five times ( and still not have it ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: NV
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:
Beginning in XXXXXXXX XXXX XXXX I have been trying to have my credit reported updated to reflect my credit history accurately. I have sent letters to each of the three ( 3 ) major credit reporting agencies ie XXXX, XXXX and Equafax. I have disputed information that each agency has received from third party agencies which was done without my consent. I have asked each company to remove this incorrect/unverified information from my credit reports and all three ( 3 ) have refused to do so stating that they verified the accuracy of these reports. This information could not be verified correctly and the FCRA states that a CRA must remove or correct inaccurate or unverified information from its files. In the time frame given, up until today which is XX/XX/2022, these corrections have not been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've received a call from number ( XXXX ) XXXX on Friday XX/XX/2020 by a woman who did not want to name her company but told me my full name and the last four digits of my social security number. I hung up the phone and the next day XX/XX/2020 I get a credit score notification that I owe {$1900.00} by a collection agency XXXX XXXX by a synchrony bank opened XX/XX/2020. No knowledge of any of this and I do not believe this is mine.

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 2020-02-07
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was the victim of identity fraud. All of my accounts were hacked, my XXXX account, my XXXX account, my bank account, my cell phone and my paypal account. Someone emailed people from my XXXX account and had them wire thousands of dollars. I XXXX  XXXX and they contacted XXXX   buyers  and got their money which made me lose XXXX sales. The hackers took my cell phone and opened a fake XXXX   page after hacking and deleting my XXXX  page. Then they transferred money from my bank account and my paypal account into this XXXX account. I opened a dispute with my bank and they refunded my money but paypal said it was an authorized transaction and wont give me my money back. I want to open a dispute with paypal to try and get my money back. I called the police and made a report the XXXX Ohio  police dept. I also filed a complaint with the attorney generals office and the fbi. I didn't file cases against paypal just the identity theft. You are the only one i contacted specifically to go after paypal. These were the dates and charges and all were sent to the same XXXX account XX/XX/2019 {$170.00}. {$120.00}. XX/XX/XXXX. {$75.00} {$75.00} {$50.00} XX/XX/XXXX {$35.00} {$25.00} {$25.00} {$25.00} TOTALLING {$610.00}. Please help me get my money back i am single  and XXXX XXXX. I am broke and really need the money. I can provide you with all the reports from the agencies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have been banking with Capital One for awhile now and every time I get a XXXX payment from a relative or someone I borrowed money to ( I have proof cause I sent this same person {$150.00} ) they keep red flagging my account and holding my money for days. Both parties are registered with XXXX and have never done anything fraudulent with capital XXXX or XXXX. But capital one keeps red flagging my money. It's not fair to the consumer. I spoke to XXXX and they stated that's what XXXX is for and they are not the ones red flagging my transactions, it's CAPITAL ONE. ITS CASH PAYMENTS AND I HAVE RECEIVED BIGGER DEPOSITS THAT WASN'T FLAGGED. SERMS TO ME CAPITAL ONE FINDING REASON TO JUST HOLD CONSUMERS MONEY FOR PERIODS OF TIME FOR THEY'RE OWN GAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: Ascension Recovery Management
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine and I am disputing it in its entirety. I am requesting debt validation. 
The letter I received doesnt include a date that shows when it was written or sent to me. According to 12 CFR Part 1006.34 ( c ) ( 2 ) ( vi ), they were supposed to provide me with the itemization date / transaction date and they did not. The letter does not specify what the alleged debt is for, how it was calculated, or shows any proof that debt is in fact mine. ( See attachment ). 
Once again, I am requesting proper debt validation along with the name and address of the original creditor. 
A letter has been sent to this company via certified mail and has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: United Debt Holdings, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi, My situation did not really fit a few of the questions / topics to pick from so I just picked the topics as relevant as I was able to. 

I am in the process of cleaning up my credit and paying past debts / getting accounts out of the derogatory / collections status and I notice that there is a company abbreviated XXXX/XXXX. I do acknowledge that I owe the debt. This account was opened in XX/XX/XXXX and it was last reported in XX/XX/XXXX with an outstanding balance of {$630.00} ; the payment statuses are : XXXX - " charged off as bad debt, purchased by another lender '' / XXXX - " purchased by another lender, unpaid balance reported as a loss by credit grantor '' / XXXX - " account transferred or sold, charged off account. '' I called the company directly and they informed me that it has been sold to United Debt Holdings and provided me with their phone number. I reached out to United Debt Holdings several times looking for live person but got a voicemail instead promising that someone will reach out to me 24-48 hours. After making several more phone call attempts, I searched the internet for their website and other valuable information I can use to get in contact with them. After trying to get to their website with no avail, I checked the company out on the XXXX  ( XXXX XXXX XXXX ). Much to my surprise, I find out that they have went out of business, they're not accredited with the XXXX, they are numerous complaints similar to my situation and that United Debt Holdings have been giving people pretty much to same responses. There was a response from United Debt Holdings on XX/XX/XXXX that they are no longer in existence and all assets have been transferred to XXXX XXXX XXXX XXXX XXXX. I tried calling them but it's the same situation at United Debt Holdings. I'm devastated to experience all of this as a person that is trying to improve their credit / finances, etc. I want to be able to pay my debt without having to worry if it's a scam / negatively affecting my credit. 

If you're able to help shed light on this situation, I would greatly appreciate it.

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 2023-10-31
Company: EQUIFAX, INC.
State: FL
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:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Consumer Portfolio Services, Inc.
State: AL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent several letters and called consumer portfolio services who are reporting a repo on my credit. Today is actually the XXXX day since I wrote them the first time and they refuse to verify the debt. I have asked for a sign contract and also the info from auction as I was not notified of anything. They will not return my calls nor letter. Since they can not verify it should be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records listed below. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022.

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 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXX XXXX XXXX ( XXXX ), account XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.

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 2020-11-07
Company: Experian Information Solutions Inc.
State: LA
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:
The items listed do not belong to me. I have reached out to the reporting agency and they have not fixed the problem. Please correct errors. Correspondence was sent on XX/XX/2020.

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 2023-01-07
Company: WELLS FARGO & COMPANY
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was informed of the judgement by a third party while trying to purchase a home this year. I was not aware that the judgement existed until then. The debt is not on my credit report. I was never served any documentation on any judgement. The debt is dated for 2014, which is over 7 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Debt Recovery Solutions, LLC
State: AL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Debt recovery solutions XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX Bought a debit from XXXX XXXX in the amount of {$320.00} It has been reported to all three credit bureaus that this account was opened on XX/XX/XXXX, and is now in collections. It has an estimated removal date of XX/XX/XXXX. This account has been re-aged. I attempted to dispute this information with all three credit bureaus in XXXX of this year. However, all of them returned my dispute as verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-07
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
This account was fraudulently opened and maintained. I've contacted the company and communicated that. But they keep calling and threatening to place it in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-09
Company: LEXISNEXIS
State: OK
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 have record from the court appearing on my credit report. I've Disputed the item with the Credit Bureaus XXXX XXXX XXXX XXXX in which confirmed the record was VERIFIED by you Lexisnexis XXXX all I'm asking you to please provide the procedure in which you verify records with credit Bureaus as far as my bankruptcy case XXXX XXXX XXXX XXXX XXXX my name, address, and account with case XXXX XXXX will be listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: EQUIFAX, INC.
State: VA
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation