BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-24
Company: AFNI INC.
State: AR
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:
Over the past few months I have been in constant contact with the all three of the major consumer reporting agencies regarding fraudulent established accounts currently reporting on my credit reports. After realizing I had became of victim of identity theft I completed a police and identity theft report and sent copies to each credit bureau. For some reason an account currently owned by a company named AFNI continues to violate my consumer rights under the Fair Credit Reporting Act and Fair Debt Collection Practice Act by reporting this fraud related account to my XXXX and XXXX credit report after being notified directly from the bureaus. In addition I never received any initial 5 day communication notice from this AFNI Company as per the FDCPA requires. I find this erroneous credit reporting unacceptable and AFNI is  deliberately continues to violate the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Experian Information Solutions Inc.
State: KS
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:
XX/XX/2018 i sent request for validation and method of verification to Experian XXXX XXXX  XXXX, XXXX, TX, XXXX to dispute a Bankruptcy on my credit report and Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. i sent 3 letters with all different violations Experian has been in violation of i have not received information or original documents from verification process. Also the courts said they don't verify information with 3rd parties after i wrote them but experian still find ways to say they verified this information quickly through 3rd parties.

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 2021-05-01
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not recall giving Radius Global Solutions permission to access my medical information which they have provided in my last complaint. I understand that the HIPAA does allow for limited information about me but any details may only be revealed with the patient 's authorization, therefore my request is twofold and as follows : HIPAA authorization - Please provide a copy of my signature with the provider of service to release my medical information to you - Immediately cease any credit bureau reporting until debt has been validated by me

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 2021-08-12
Company: Experian Information Solutions Inc.
State: KS
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:
Recently, a collection agency named XXXX XXXX started reporting an $ XXXX collection on my credit report. I have no clue what this could have been, because I have never has an unresolved debt of this magnitude. And before this account showed up on my report, they never tried to contact me about it. I was under the assumption that they were required to contact me and give me an opportunity to contest a potential collection before they report it. I certainly would have done that, but I was never given the opportunity. I have since contacted this collection agency directly to complain, and ask for further explanation about this phantom debt. But there representatives are very rude and tell me that they don't have to give me that information.

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 2020-11-04
Company: RIA FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Ria financial Continental  Exchange Solutions , Inc. dba Ria Financial XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX : XXXX ( XXXX ) XXXX I have been a customer of this company for more than 3 years. Suddenly and without explanation, my account was terminated. After spending hours on the phone trying to contact someone in customer service, the only response was that I am not allowed to use their service anymore and no other explanation. Looking online, I've seen many similar complaints about this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2018-08-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I was received some emails from American Express advertising the AMEX Delta Gold credit card. The emails were addressed to me and offer was made to me specifically saying that if I get this credit card I will receive XXXX points after spending {$2000.00} in 3 months, another XXXX points for spending an additional {$1000.00} in 6 months and a {$50.00} credit after I make a Delta purchase in the first 3 months. I also saw the same offer when I logged into my AMEX account to pay for my other credit cards ( I have multiple cards with AMEX ). I decided to take advantage of this offer and got approved right away. I received my credit card at the end of XX/XX/2018 and quickly fulfilled of the requirements for the {$50.00} credit and XXXX delta points. I waited a few months but neither the credit nor the points were given to me. I called AMEX and asked them what the issue was and opened a case to get the points. I was told that it will take up to 8 weeks to get a decision but did not hear back from AMEX. I called and called and there was no resolution. Finally, they informed me that since I had this credit card XXXX   years ago I was no eligible for this promotion. I feel like I was taken advantage of and targeted for this offer unfairly. These offers were sent to my email and shown inside of my private account. I feel like this is wrong and I deserve to get the points. Furthermore I referred my XXXX   and was supposed to get another XXXX points but they did not give me this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: CURO Intermediate Holdings
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company Ad Astra Recovery Services Inc is reporting a debt on my credit report that is not mine. On my credit report ( s ) this collection says it was opened XX/XX/2018 and th3e amount is {$1100.00}. I have contacted the company and disputed the reporting with the bureaus. The collection is on my credit report and I have not received an answer from Ad Astra Recovery Services. They are trying to collect money from what I assume is a loan. I have never taken out any payday type loans or fast cash loans. The name of the original company is SPEEDYCASH COM XXXX VA. I do not know if the company perhaps made a mistake and reported my name by accident instead of someone else or if this collection is a result of identity theft. I have tried to resolve this and haven't received any response from Ad Astra or SPEEDYCASH COM XXXX VA in regard to deleting this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Early Warning Services, LLC
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 status incorrect

Complaint:
On XX/XX/2018 I disputed incorrect information from XXXX XXXX on my early warning services report. I disputed that the account is reporting incorrectly and to please the delete the account from my record. I also asked for method of verification of how it was verified. The company verified the bank details as accurate and complete when I know I never handled the account in such a manner. They also never sent the method of verification. Now I still have items on my report that are not correct and I really need them removed. This is stopping me from opening a new business account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
This is in reply to Company 's Response for Complaint # IDXXXX. At the time I responded to the company 's answer, I didn't notice the discrepancy in payment. I was told by the company that in order to pay off the car, I needed to send {$16000.00}. This was sent to them on XX/XX/XXXX -- a week before the end of the lease. According to the company 's response, quoted below, I was only required to pay {$15000.00}. The company owes me the difference - {$450.00}. 



>> '' Thank you for bringing your concerns to our attention. Our records reflect that on XX/XX/XXXX, you executed a 36-month lease for a XXXX XXXX. The lease discloses the agreed upon value of the vehicle at lease inception XXXX {$31000.00} XXXX as well as the residual ( or price to purchase the vehicle ) ( {$15000.00} XXXX at lease end. We confirmed that beginning on XX/XX/XXXX, we provided you payoff quotes and payoff instructions on multiple occasions via our website and Integrated Voice Recognition ( IVR ) system. " <<

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: LEXISNEXIS
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I requested a copy of my personal information file from Lexis Nexis in early XX/XX/2020. I found numerous information entries for a person other than myself in the file. These entries included personal identification information, property ownership information, insurance policy information and insurance claim information. The other person 's information also included her social security number and drivers license number which are easily determined to be different from mine. Her social security number differs from mine by 1 digit. I have made four calls to Lexis Nexis between XXXX and XXXX pointing out the facts above and demanding that this other person 's information be deleted from my file. I must emphasize again that anyone with a brain could see that she and I are not the same person. During the last call about a month ago, I went through the file page by page, paragraph by paragraph with the representative to point out the erroneous information needing to be removed. After receiving correspondence today about the dispute I reviewed the file and find that the erroneous information has still not been removed. The response they keep sending is ludicrous. It says that the information I want removed is " accurate based on my dispute ''. I have no doubt the information is accurate ; but it does not belong in my file. There continues to be no explanation why the issue can not be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: PACIFIC WESTERN BANK
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX of 2021 the financial Company that we have had borrowed cash on the equity portion the contract ended, they did not renew, they did not accept additional payment since we have sold the house and we informed them that we are selling the house and due to Covid-19 Many as us facing delays from appraisal, evaluators, buyers, Mortgage company etc., we have again on many occasions informed them we are facing delays to close, they were charging fees late payment which we did not have any payments since they did not renewed and we informed the Tittle we are awai9ting from the financial institution on escalated fees final payoff do not pay the XXXX in charges in a month or so, the financial company delayed the escalation and revised amount, m title company paid without approval on the amount and revised and or negotiations, now between 2 months we have paid payments and fees and interest close to {$31000.00}, they totally ignore us and do not reply, please need your help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Social Finance, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On Tuesday XX/XX/2021, {$8900.00} USD was withdrawn from my bank account from SoFi, I do not have a SoFi account or know anyone that have one. Additionally, I received {$100.00} USD from XXXX. I did my own research and the {$100.00} was their sign-up promotional. I did not authorize the sign-up for XXXX. I have contacted my bank, and now I would like to file a complaint about SoFi and XXXX. I never authorized any of it, I don't even know the XXXX  account that was supposedly made under my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: EQUIFAX, INC.
State: AR
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:
XXXX XXXX XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX  XX/XX/XXXX Fraud XXXX XX/XX/XXXX Fraud XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Fraud XXXX Fraud XXXX XXXX Fraud XXXX XXXX Fraud XXXX Fraud XXXX Fraud XXXX Fraud XXXX  XXXX Fraud All of these inquiries on my credit report were obtained fraudulently.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-01
Company: EQUIFAX, 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:
several inquires were placed on my account without my consent and i want them removed. In addition there was some incorrect personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I am victim of identity and I am requesting for Experian to block and remove these fraudulent accounts immediately : 1. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX BALANCE : XXXX 2. XXXX XXXX XXXX XXXX ACCOUNT # : XXXX BALANCE : XXXX 3. XXXX XXXX XXXX XXXX BALANCE : XXXX 4. XXXX XXXX XXXX ACCOUNT # : XXXX I have attached a copy of my police report for Experian to block and remove these fraudulent accounts.

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 2021-10-08
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is an unknown collection account reporting multiple times on my credit profile. I am respectfully requesting that you delete this inaccurate account from my credit profile.

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 2021-08-12
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:
Bureaus are not reporting factual accurate information. Information across all bureaus is inaccurate and different. Some bureaus are reporting some accounts open, while the other bureaus report no information. Charge off with balances attached. Inaccurate balance. No proof or shown of validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
XXXX XXXX XXXX has submitted false information to all three credit bureaus under my name. I have contacted XXXX XXXX numerous times to discuss these accounts that were marked as late payments. Not one of 4 agents could locate any account in my name or by my social security number. There are 2 accounts in question on my report. Both accounts are from XXXX XXXX. XXXX reports an account # XXXX with 24 on time payments and 1 late payment. Credit limit {$18000.00} and with an opening date of XX/XX/09 of the account. 

Transunion also has a XXXX XXXX account on my credit report. This account # XXXX states 47 on time payments and 1 late payment. Also with a {$18000.00} credit line and also opened in XX/XX/09. 

Equifax also had a XXXX XXXX account on my credit report Acct # XXXX. This states 0 on time payments and 1 late payment. Also an {$18000.00} credit limit and also opened XX/XX/09. 

I have requested statements for these accounts because I have never has a XXXX XXXX account. XXXX XXXX has not yet been able to furnish any information to me because they have no information on these accounts In the system. 

Due to the lack of response to this matter, I have been unable to obtain a mortgage because of XXXX XXXX XXXX lack of response to my request for information and for falsely reporting inaccurate information on my credit report. I have attached screenshots from all three credit bureaus that appear on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a call from a person claiming to be from XXXX XXXX. This person confirmed they were calling about debt, but refused to identify the debt. I have a right to know what they are calling about. The person hung up when I called back, she kept hanging up on me. She was told to never call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CITIBANK, N.A.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There was a inquiry placed on my credit report from Citi Bank on XX/XX/2020. 
I reached out to them to advise that I had did not submit an inquiry to the company and reported the issue as fraud. To date the inquiry has not been removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation