BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Radius Global Solutions LLC
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls all hours of the day and night suggesting that I owe money if I dont pay they will take matters further I am sick just had XXXX XXXX and have tried to resolve this matter but they will not leave me alone the account is closed and has been sold to these people now they act like I owe them thank you

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 2023-09-30
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I filed a complaint via CFPB against American Express of wrongdoing.

American Express sent me correspondence stating a credit was issued but it never was. I tried the rectify the issue multiple times with their customer service representatives to no avail. I reached out to CFPB which triggered an internal AMEX investigation. Whereby, I suspect, it was discovered that my assertions were accurate. As the credit has been correctly issued since then. Kindly refer to the correspondence sent to me by American Express.

Which brings me to today. AMEX limited 2 of my several cards with them. I suspect a repercussion of challenging their billing and credit mishaps.

I am attaching correspondence of their wrongdoing. And correspondence received ( 2 accounts in 24 hours ) limiting 2 of my cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: Information belongs to someone else

Complaint:
I have notified EQUIFAX of the fraud contained in attached identity theft report. Equifax failed to do a reasonable investigation to accurately verify the debt. The debt is a result of identity theft. The reporting of any accounts included in the identity theft report are negatively being reported which nothing under the FCRA requires the furnishing of negative information. In fact it does require all consumer reports be fair and equitable to the consumer. The accounts below are result of identity theft. I never gave authorization or consent for the opening or reporting of the accounts below I notified Equifax in fraud in XXXX, XXXX, as well as XX/XX/2022. Equifax did not lawfully verify the accounts because if they did they would find in there investigation that its impossible for these debts to be accurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
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 am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the information associated with my account. I believe it is essential to bring this matter to your attention and request prompt resolution to rectify the issues I have encountered. 

I first noticed discrepancies in my account information and immediately contacted your customer service department to address the issue. I provided the necessary details and was assured that the matter would be resolved promptly. 

Despite the assurance, the issue persisted. I made a follow-up call to your customer service, explaining the situation again and expressing my concern about the delay in resolving the issue. 
Regrettably, the problem remains unresolved despite multiple attempts on my part. The lack of progress has caused considerable inconvenience, and I am disappointed with the level of service I have received. 
I understand that errors can occur, but the repeated failures to correct a straightforward issue have raised serious concerns about the efficiency and effectiveness of your customer service process. As a valued customer, I expect a higher standard of service and a swift resolution to this matter. 


I request an immediate and accurate correction of the information associated with my account, ensuring that all details are accurate and up-to-date. 
Investigation I urge your team to conduct a thorough investigation into the root cause of these repeated errors to prevent similar issues from arising in the future. 
Communication I expect clear and timely communication regarding the steps being taken to rectify this situation. Regular updates on the progress of the resolution would be greatly appreciated. 
Compensation Given the inconvenience and frustration caused by these repeated errors, I request fair and appropriate compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a loyal customer, I believe in the importance of maintaining a positive and constructive relationship with your institution. I am asking for your assistance to correct these late open account in my credit file : XXXX XXXX Balance Owed : {$0.00}.

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 2022-10-18
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint not some company or not any other 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
Consumer complaint received 2023-04-25
Company: Hammerman & Hultgren, P.C.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/23 I received a voicemail from XXXX XXXX stating that they have received a letter from the XXXX XXXX XXXX XXXX ( XXXX ) stating that they were unable to complete my registration on purchasing a new vehicle due to a collection balance owed to them and judgement by Hammerman & Hultgren, PC. XXXX XXXX calls Hammerman & Hultgren and spoke to a collection representative which then proceeds to share my balance owed to XXXX who works at XXXX XXXX and also falsely states that the debtor has put a lien on my vehicle which I was trading in. I spoke with a representative on XX/XX/23 to get more information pertaining to why my information was discussed with a third party. On XX/XX/23, We also discussed what was needed to get the registration hold removed from the XXXX. I received screenshots via text message from XXXX with XXXX XXXX where he wrote down the amounts of my debt owed to Hammerman & Hultgren. Keep in mind that my debt does not have anything to do with my vehicle that was being traded in. This information should not have been shared without my authorization. This is a violation of my privacy and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
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: 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. 

Account name : XXXXXXXX XXXX XXXX Account Number # XXXX : Account Name : XXXX XXXX, Account Number # XXXX : Account name : XXXX XXXX XXXX XXXX Account Number # 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I, XXXX XXXX XXXX, am composing this correspondence to formally dispute the inclusion of specific address data within my credit profile, as maintained by your esteemed agency. The contested addresses are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses fail to accurately reflect my current mailing residence. It is my contention that the aforementioned data contravenes the mandates set forth in the Fair Credit Reporting Act ( FCRA ), particularly as delineated within Section 605B. I hereby exercise my rights pursuant to this statutory provision and insist upon an expeditious investigation and rectification of this incongruity. 

FCRA Section 605B imposes upon credit reporting agencies the responsibility to establish and enact reasonable policies and procedures in response to notices of address discrepancy. Such protocols are designed to ascertain the veracity of consumer data, ensuring its accuracy, and facilitating the transmission of correct addresses to the pertinent consumer reporting agency. 

Enclosed herewith are corroborative documents substantiating my presently accurate and valid mailing address. I beseech your thorough inquiry into this matter, and I anticipate the expeditious amendment of my credit XXXX in alignment with the documented veracity. 

I trust that your expeditious attention to this matter will obviate the necessity for further legal recourse. Thank you for your anticipated cooperation in resolving this matter judiciously.

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 2023-01-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: WA
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:
Reaptedly, I have asked ChexSystems to review the information they give out on my report, as I can not open up a bank account. I have applied to just about every bank, or financial institution literally in Washington state. I am-continuously denied after being granted an account opening solely because of the information that ChexSystems is reporting and refuses to correct. Upon further investigation check systems refuses to remove any of the disputed items. A fraud warning is a main alert on my file and this is severely WRONG. XXXX to XXXX different bank companies or roughly 70 pages, all with a denials are currently being reported. All of this is an accurate! Ive communicated the blatant and astronomical number of inquiries and the in accuracy of the report mixed with the speed in his items to no avail. I can not get a bank account in the United States! I can not have some place to put my money safe? Its so bad that even third-party insignificant companies like XXXX refuse to work with me because of the things that check systems are reporting.

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 2023-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent transunion more than several letters of the inaccurate and derogatory statements on my credit report Copyright laws my appelation is private and not to be used at all they are violating my human rights Copyright law, as defined in Title 17 of the United States Code, protects " original works of authorship fixed. XXXX XXXX XXXX is copyright 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. 

Fines for using my property, selling, trading, and marketing will cost each corporations {$1000.00} and or pay for arbitration! 
15 U.S. Code 1681n - Civil liability for willful noncompliance

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 2022-09-21
Company: Synovus Bank
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Received a phone call on Monday, XX/XX/XXXX from XXXX directing me to call XXXX, XXXX XXXX XXXX in California about a pending civil suit against me. I did not make the call and instead told the person calling it was a scam. She called me again today as after researching the numbers they were both coming up affiliated with scams. She asked me to please call and do a conference call so she could hear. I did this. The person, XXXX who answered the phone started rattling off a company, Columbus Bank, and said it was for an XXXX credit card. I have not had an XXXX credit card in over 20 years and it was paid in full at that time. Of course, being so old I do not have any of the paperwork. She proceeded to read my entire credit report to me which means this supposed law firm or debt collector pulled my credit without my permission to collect a credit card debt that does not exist. She said she was filing in my county tomorrow and hung up. I called back to speak with somebody else but they refused to let me and said I could only talk to her so I hung up and refused. XXXX. The card was paid in full. XXXX. It is over 20 years since I paid it so would be way past the statute of limitations. XXXX. What can I do about my credit report being pulled without my consent from what I understand, this is illegal in the state of Florida to pull a credit report to pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Please delete these inquires as they do not belong to me. I have included the identity theft report. 

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 2022-09-21
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello, I'm writing in regards to application for a NFCU credit card done online. I was disappointed to hear of my denial considering my efforts over the last few months to improve my credit. Recently, I've taking steps to improve my credit reports that been riddled with inaccurate information. I currently have all my most recent accounts in good standing. No recent late payments and pay all my bills on time. I have been a valued customer with navy federal credit union for over three years. I might had some hard times with my account but other than that my account been in good standards. Navy federal states that they don't based you credit application on consumer report but you will still get an inquiry. Therefore, they based your application on your Transunion report and also your navy federal credit scoring system. Therefore, they have violate my rights as a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1691 ( K ). ( **The Navy Federal Credit Union ** ) has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 I've done an excessive amount of research on various types of credit & what's need to build a satisfactory score. I've taken money management & a credit 101 class offered through my employer. I'm not asking for a large amount of credit, but simply enough to enjoy the wonderful benefits of the credit card while also continuing to prove my value & creditworthiness to you as a customer. I'm excited about the great perks & features that are associated with this credit card. I'm hoping this letter finds it way to someone who can help me get this application reconsidered, however I'm not authorizing an additional credit pull.

I also have the navy federal credit union NReward card that been in good standards since I got it and no credit limit increase. Please could someone review both accounts.

Below, I attached a letter in writing that I sent to them for reconsideration on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions Inc.
State: TN
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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
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 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 2022-12-22
Company: Experian Information Solutions Inc.
State: NC
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 is my 8TH endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XX/XX/2021.

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 2022-11-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Carrington Mortgage has damaged my credit report. I need to get the correct information about my loan ( # XXXX ) sent to all of the credit bureaus. I have already tried twice to dispute the information through the credit bureaus and Carrington. The first issue is that the amount due is incorrect. My loan came from XXXX XXXX XXXX. I was able to get a forbearance with them in XX/XX/XXXX due to Hurricane Ida. Under those terms, I did not have to make any payments. Once it was transferred to Carrington, this became an issue despite everything I have said to customer service and the documentation I sent it in. Therefore, there should not be a balance of XXXX. The past due balance should be {$0.00}. The next issue is that Carrington reported that I have 3 missed payments of over 180 days. That is incorrect. I paid on time in XX/XX/XXXX and my loan didnt get transferred to them until XXXX XXXX It should state that I had 2 missed payments ( XXXX & XX/XX/XXXX ) of 60 days.

Company response to consumer: Closed with explanation