BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-21
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is not a duplicate complaint. I am submitting this complaint for myself. 

I have previously submitted a complaint in regards to XXXX trying to collect an obscene amount of money, that I do not owe. This was also reported to the FTC. 
The claim number for CFPB XXXX, for reference. 

XXXX has once again sold this account to another debt collector, after having been reported by me and having the account closed, due to poor practices. 

I have been receiving calls from XXXX XXXX XXXX XXXX, yet another collection agency. Today, I received a letter from this company, trying to collect the same debt for XXXX XXXX. 

Please see the CFPB complaint previously made XXXX, for details.

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 2023-05-26
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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX XXXX Balance Owed : {$360.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$690.00} ; XXXX XXXX XXXX Balance Owed : {$1200.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$180.00} ; XXXX XXXX XXXX Balance Owed XXXX {$810.00} ; XXXX XXXXXXXX Balance Owed : {$800.00} ; 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 2022-04-19
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX  ) has failed to send me a response with my requested information for alleged collection account XXXX within the first five initial days of receiving my dispute. I have already been suffering enough with this inaccurate data on my credit report, I prepare ways to circumvent talking about my financial status or shortcomings with everyone from family members to co-workers causing changes in the relationships that have shaped my life until this day. The stress that comes with this alleged debt ruining my creditworthiness can not be managed. As a single mother, the financial expectations I am required to meet are unimaginable and it is a no-brainer that if I had the financial boost that good credit offers I would be in better shape to face daily challenges that come with my current predicament. 

Due to lenders turning down my applications I was forced to move out of my original state and ended up at my current address with no family or close friends to vent to leaving me visiting more social programs to help me deal with my stress and anxiety. Now that I contact this company about this alleged debt there is no response?? 


furthermore CREDENCE RESOURCE MANA ( Original Creditor : XXXX XXXX XXXX  ) is also reporting this alleged debt as an " Account '' which is inaccurate according to USC Title 15 1693A2 Therefore at this point this collection agency is knowingly furnishing false data on my credit report in violation of15 U.S. Code? 1692e. False or misleading representations and I demand them to Cease and desistfurnishing this alleged debt and notify all credit reporting agencies to delete it immediately. 

You have caused me additional stress, frustration, credit damage, and costs. You have also waived your opportunity to amicably resolve this issue without the need to litigate. I intend to forward this matter to an attorney or initiate litigation against you under the FDCPA. Until you are formally served process, you may resolve my FDCPA claims by doing the following : ( 1 ) cease and desist debt collection, ( 2 ) delete all of your credit reporting, and ( 3 ) pay me {$1000.00}. The {$1000.00} must be made payable to the order of XXXX  and received within ten ( 10 ) days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-14
Company: EQUIFAX, INC.
State: NJ
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:
Im submitting this complaint against XXXX Equifax, and XXXX due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
XXXX XXXX is continually reporting my mortgage inaccurately to all three reporting agency. My mortgage is being reported as closed and included in bankruptcy. Account never closed and paid on time.

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 2023-04-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
A credit card call SYNCB/Care Credit was opened and my name and is now showing on my credit report. I have disputed the account but it is still showing and they have updated the information. I have sent over police report, FTC report, dispute letters, I have asked for a validation letter, but I have not received anything but an update on my credit profile. Please delete this from my XXXX, XXXX, and XXXX report. This has cause a lot of issue in my life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

XXXX XXXX  : account number XXXXXXXX XXXX  : account XXXX XXXX, XXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : account number XXXXXXXX XXXX/FED LOAN SERV : account number XXXX, XXXX XXXX XXXX  : account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX account number XXXX, XXXX XXXX XXXX : account number 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 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 2021-12-06
Company: Experian Information Solutions Inc.
State: TX
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:
I opened an auto loan with XXXX XXXX XXXX for a used car in XX/XX/XXXX. I had to voluntarily surrender my vehicle due to COVID-19 in XXXX. I made a settlement agreement with the company to pay {$2500.00} within roughly XXXX months. I recently paid off the closed account, in full of the {$2500.00}, on XX/XX/XXXX. The balance should be {$0.00} on my credit reports, but it is still showing that I owe a balance of over {$3000.00}. I have called each credit bureau to dispute the information and open investigations. I am in the process of mailing documentation to each bureau and XXXX XXXX XXXX credit department. XXXX XXXX XXXX claims they reported the balance to each credit bureau but it does not reflect that whatsoever. I am not receiving the help I need to resolve this.

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 2023-04-04
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Re : Fraudulent Inquiries/Incorrect Address To Whom It May Concern : I need you to correct the following inaccurate shown items in this letter which contains data taken directly from my credit report which you have provided. These inquiries are fraudulent. 
- XXXX # XXXX XX/XX/XXXX - XXXX XX/XX/XXXX - XXXX  XX/XX/XXXX - 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 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/XXXX Delete these unconfirmed inquiries lacking certifiable evidence unless physically certified verified proof is demonstrated per U.S code 15 U.S.C 1681 ET SEQ. Section 604 of fair credit reporting act.

In addition, there are several inaccurate addresses reporting to my credit report that should be deleted immediately and updated with my correct address : XXXX XXXX XXXX, XXXX, GA XXXXOnce you have fulfilled my request, mail me an updated credit report reflecting these changes. 

Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXXXXXX-Balance {$0.00} XXXX XXXX-Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
The CitiBank fraudulently kept charging my accoount monthy service bogus charge fees that has never been disclosed to me upon opening my account in person at the branch. Few times I asked the branch assistant manager about possible recurring account monthly charges every month, she stated ''NO '', moreover she rest assured me about free of charge type of the account the way it was set up. The bank deceived and defrauded me by committing evident consumer fraud. I am surprised on most of banks and creditors predatory practices that are literally operating out of control.

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 monetary relief
Consumer complaint received 2022-02-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS ans INQUIRIES from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Account Name : XXXX XXXX XXXX Account Number : XXXX Balance : {$420.00} Dates of late : XX/XX/2021 I am not sure how I was late on XX/XX/2021 but I have always paid this account on time when I receive my statements. I might have received my statements late.. I am not really sure how this happened. But this was paid on time.

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 2023-08-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

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

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 informationisinaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have no idea why you guys sent me a letter saying that I didn't file the complaint against Capital One. I did and this is bogus that im having to do this again. I attached a copy of the police report and affidavit with the first complaint why XXXX XXXX  XXXX would someone else have the information. Here is the new complaint against Capital One. 

Capital One sold my account to XXXX after they knew this was fraud and had received all documents they needed to prove the fraud. I guess I will tell you again what happen. XX/XX/2021 Capital One printed a letter saying they know it fraud. Knowing this they are fully award this is fraud so how can they send me to collections knowing this? On XX/XX/2021 I noticed a new collection on my credit report to my surprised it was XXXX Capital One. This is so wrong on so many levels I have no clue where to start. If this is not remove from my credit report IMMEDIATELY!!!! I will SUE I sick and tired of all this when I have done all the work for them to prove this is fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-21
Company: Westlake Services, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I was contacted by an representative at Westlake financial upon greeting was ask if Im the correct party. I stated where are you calling from twice and representative refused. If you are calling my phone before i verify anything I should be able to know the company asking for the information but Westlake financial failed to provide me that right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/2023 XXXX XXXX approved As a one-time courtesy, we adjusted your payment history, allowing us to remove the charge-off from your credit report. You will see these adjustments reflected when our updates are sent out for XXXX. You should have access to your credit line right away. 

Remember that this one-time adjustment is an act of good faith that you will keep your account healthy and submit your payments on time. 

I received an email because this company has been reporting negative balance when I have statements that funds were coming out of my bank account. XXXX XXXX still have not reported the positive balances and payments to all credit bureau. I will attach most recent statement from XXXX XXXX as well as the email for this company to report my current positive balance.

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 2023-05-26
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-06
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 reached out to XXXX XXXX Credit Card services several times However I received a some feedback from Experian that is unacceptable ; I have send in appropriate documents since the beginning of XXXX  then I was told to file a complaint with the company myself. So now I am going to follow protocol about this issue. Thats why I disputed the erro with the bureau. Also XXXX XXXX did not have my number nor my mailing address until I started filing dispute about fraudulent items in my credit file.

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 2023-02-01
Company: OneMain Finance Corporation
State: IL
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:
2020 i discovered a fraudulent bank loan account on my XXXX credit report. I've been disputing this same account 2 years now till the present day. I've sent in countless police reports after police reports dispute after dispute. i had XXXX to put a fraudulent alert on my credit file. after these exhausting couple years of disputing with XXXX credit bureau gives me no hope to resolve this issue with one main financial lending intuition reporting a fraudulent account to my XXXX credit report. i pray this complaint gives me a great opportunity to see this fraudulent account removed. XXXX out of 2 years never mailed me the proof i requested in the 30 days to show me that this fraudulent account belonged to me.

Company response to consumer: Closed with explanation