BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-25
Company: Radius Global Solutions LLC
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 status incorrect

Complaint:
I called the company to let them know that unfortunately I had lost my job due to the Covid-19 Pandemic. Being a restaurant worker, I saw all restaurants shut down in the XXXX XXXX area XXXX Because of this, I lost my employer health insurance and I had received some blood work before the shutdown. The charge of {$340.00} was then placed on my shoulders when I was out of work and also a XXXX XXXX XXXX at the University of Texas at XXXX. 

This is with Radius Global Solutions, the original creditor was XXXX XXXX XXXX XXXX. 
It was a charge for {$340.00} that became a collection account on XX/XX/2021. 
Paid on XX/XX/2021, after finally having enough funds to cover and still make ends meet. 
As of XX/XX/2021 the account is now updated to paid but still on my XXXX Credit Report as a collection. 

I spoke with the company to explain the situation, and received no guidance or help during the time of my job loss. 

Under the CARES Act - 4021 I don't believe that I should have a collection account on my account. It was something out of my control and the balance has been paid off since then.

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: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. I didn't realize how severe until I took a look at my credit reports. The following accounts are a result of theft and are not mine. 

I noticed the following accounts and inquiries on my credit report. 

XXXX US Bankruptcy Court XXXX  XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX inquiries 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 US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 inquiries 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 US Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV 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 inquiries 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

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 2023-10-19
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The statue allows multiple reinvestigation. 

The following accounts has fraudulently charges made to account : XXXX XXXX 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 explanation
Consumer complaint received 2023-09-11
Company: EQUIFAX, INC.
State: CA
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:
To whom it may concern, I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report as soon as possible. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission, please review the enclosed copies of the Federal Trade Commissions Identity Theft Affidavit in regard to this incident. In addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items as soon as possible. 

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 XXXX XXXX XXXX XXXX XXXX XXXX 

-these inquiries are not results on any actions on my part and are fraudulent

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I received a notification a few weeks ago I had a new collection which was odd but was on the road XXXX XXXX. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017XXXX Department Stores XXXX XXXX Department Stores XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX  XXXX ( Inquiry ) with XXXX XXXX   XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX  XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) with experian XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Department Stores XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX  ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )

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 2021-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have an unauthorized inquiry from capital one on XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04
Company: Experian Information Solutions Inc.
State: TX
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 reviewed my Consumer Report and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy according to the law. I have never been on payments for the account : XXXX XXXX Account XXXX XXXX. Please investigate and provide proof with statements showing that these payments were ever late. If proof cant be provided, I demand these payments updated to On Time as they should be as I was NEVER Late. 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 2020-06-19
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, i have tried to apply for mortgage loan for FHA loan at CMG financial in XX/XX/2020. I have talked to XXXX XXXX ( sales manager ), submitted my application and sent all require documentations. I have communicated with loan officer via email and phone. Generally, loan application take up to 24 to 48hrs for result. However, there isnt any response until 6 or 7 days later. Then, loan officer sent me a letter with without any explanation what is that information is for. I first think that it is pre-approval letter. Until i went look for houses and talk to builders then i found out the letter pre-qualify is for nothing. The letter sent was not a pre-approval letter. It is just pre-qualifies statement that is subject to change based on supporting documents and credit report. I can not believe that how they work and just give me a piece of paper for nothing even through i submitted all documents and they viewed my credit. I asked loan officer for full report of my loan information. they sent me the closing cost page of another customer of their with their private information. I sent them another email asking for an explanation regard the situation of my loan now. I did not receive any contact from them or any explanation. I strongly believe they have neglect my application and show discrimination in my case. This shows how they not care about customer and possibly take customer private information for other motives. They purposely mislead customer throughout the loan process. Unprofessional and unacceptable act from loan officer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
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: Information belongs to someone else

Complaint:
I received a notification a few weeks ago I had a new collection which was odd but was on the road driving trucks. It wasn't until I got home I realize there really was a collection and it was not mine. Looking closer at my reports I saw a number of accounts that were a result of identity theft that have been disputed in the past still remain. 

with XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXXXXXX  XXXX Department Stores XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) with equifax XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX/XXXX XXXX Department Stores XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX  XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX Wireless-se ( inquiry ) XXXX XXXX ( Inquiry ) with XXXX XXXX XXXX XXXX XXXX  - XXXX XXXX   XXXX XXXX XXXX  - XXXX XXXX/XXXX  XXXX Department Stores XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX - Opened XX/XX/2017 XXXX Department Stores XXXX XXXX ( Inquiry ) XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX XXXX XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry ) XXXX ( Inquiry ) XXXX XXXX ( Inquiry )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: Experian Information Solutions Inc.
State: IL
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: TX
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 listed account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Account name : XXXX XXXX XXXX, Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without without my written instructions. 

15 U.S.C 1681 c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items 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 ) ( C1 ). 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 explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, 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:
Page XXXX In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX Account # XXXX has violated my rights. XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX  XXXX XXXX Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX Acount # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States | have the right to privacy. XXXX XXXX XXXX Account # XXXX has violated my rights. XXXX XXXX XXXX  Account # XXXX and Account # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX  acount # XXXX has violated my rights. XXXX XXXX XXXX acount # XXXX has violated my rights. XXXX XXXX acount # XXXX has violated my rights. 
15 U.S.C 1681 Section 604 A Section 2 : It V 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 all consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-01
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XX/XX/XXXX I had received a voicemail from XXXX XXXX and Case # XXXX to call ( XXXX ) XXXX about a claim she had on her desk. 
I called and it was answered XXXX XXXX XXXX ( ARA ) and my caller ID said the call was from XXXX, IL. I was transferred to XXXX 's extension and was told I have an outstanding debt matched to my SSN from XXXX XXXX and they were attempting to collect. I told her I live in CA, have since XXXX, and XXXX XXXX is an east coast bank. I told her I had NO knowledge of this and she transferred the call to their Legal Dept. 
The person in legal had my personal information and said they had a court order to collect, freeze my current finances and sue me to collect. This person was NOT very nice at all and spoke to me as if I was just another liar with memory loss. I had told this person I had NO knowledge of this. He said they have the law on their side and WILL collect and advised I seek legal counsel. 
I asked the time-frame of this alleged debt, he said it was from XX/XX/XXXX and the last activity was in XX/XX/XXXX.  They claimed that ALL attempts to contact me have failed and gone unanswered. I NEVER received anything to the contrary by mail, email or telephone. I wished him good luck and immediately ended the call. Mind you my phone number is unpublished as well. 
I feel this is some sort of SCAM and will NOT have any further contact with ARA. There is NO such debt on my current credit report ( XX/XX/XXXX ) and feel this is a SCAM on all levels. Hopefully this fraud can be shutdown in its tracks before somebody is actually convinced of this SCAM and actually suffers monetary loss. 

XXXX XXXX XXXX, CA

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: JPMORGAN CHASE & CO.
State: PA
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 customer service

Complaint:
Good afternoon, My name is XXXX XXXX. I recently booked a rental car ( Rental agreement # XXXX ) and had an issued with a third party company and XXXX XXXX XXXX XXXX. Please review the following listed information and documents. 

On XX/XX/22, I booked a rental vehicle through a third party company called XXXX. I reserved a fXXXX XXXX with XXXX XXXX XXXX The full amount for the rental vehicle is {$740.00}. The XXXX Company required me to deposit an amount of {$520.00} for the initial booking. The remainder of the balance of {$210.00} is due at pick-up. I used my chase business card ending in the last 4 digit # XXXX for this transaction. 
On XX/XX/22, Ive arrived at XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX. I spoked to the receptionist and they explained me that they did not have a fXXXX XXXX  available but, they do have a XXXX that they can provide it to me without any additional charges. In addition, the receptionist advised me that I should sign up with their XXXX for an additional fee since I will be traveling on the highway and some of the roads have cashless tolls and that would automatically activate their XXXX The total upgrade charge is now {$830.00} instead of {$740.00}. I used my Chase XXXX XXXX Credit Card ending in the last 4 digit # XXXX for this transaction. I did not have the original chase business card ending in the last 4 digit # XXXX in my possession. 
On XX/XX/22, I returned the rental vehicle. I then received an invoice through my email and noticed that they charged me {$830.00} on my personal Chase XXXX Credit card ending in the last 4 digit # XXXX. The amount that I was supposed to be charged is {$300.00} since I already made an initial deposit of {$520.00} at the initial booking through XXXX. I paid a combined amount of {$1300.00} instead and should have been charged only {$830.00}. 
I did speak to the XXXX XXXX XXXX  representative after I returned my car and she stated that theres a lot of issues with the 3rd party company and I should have booked directly through XXXX XXXX XXXX. She told me to file a grievance. I am owed {$520.00}. I believe that there was a communication error with XXXX XXXX XXXX and XXXX Company or that I used two separate credit cards that may made some confusion. 

Ive attached all relevant documents in this letter. Please review this letter and all documents that are attached to it. Call me if you need me to explain any more details. My cell phone number is ( XXXX ) XXXX and my email is XXXX. Thank you for your time. 

Best Regards, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-07
Company: Mr. Cooper Group Inc.
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In the response to my prior complaint Mr. Cooper supplied misleading information to the cfpb in relations to denial XX/XX/0706 when they had in their records that they haven't TIMELY received documents. I have a document dated XX/XX/0606 that is almost a month prior to the denial which would have accompanied other records as well because I had to get ANOTHER copy because Mr. cooper told me verbally that they didn't have that information as well. Two Documents in relations to a modification to get me back on my feet to get me gainfully employed and out of my pitfall but at every attempt this company seems to do everything to prevent me from accomplishing assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: CORELOGIC INC
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: Account information incorrect

Complaint:
There is inaccurate information on my credit report. Please remove the following inquiries XXXX XXXX XXXX XXXX XXXX XX/XX/22 ), CREDCO ( XX/XX/22 ), XXXX of XXXX ( XX/XX/22 ) XXXX : XXXX XXXX ( XX/XX/22 ), CREDCO ( XX/XX/22 ), XXXX XXXX XXXXXXXX ( XX/XX/22 ), XXXX XXXX XXXX ( XX/XX/22 ), XXXX XXXX XXXX XXXX XXXX XX/XX/22 ) XXXX : XXXX XXXX XXXX ( XX/XX/22 ), CREDCO ( XX/XX/22 )

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