BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-22
Company: Radius Global Solutions LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been receiving letters from XXXX XXXX for a couple years. I wrote to them and disputed the initial invoice stating I didn't sign for an XXXX XXXX card. I advised them to send signatures where someone signed so I could see who opened the account in my name. I advised in writing to XXXX XXXX that I didn't owe this debt, stop harassing me with letters and calls to me or other people that may know me. The XXXX XXXX Account I had with them more than 20 years ago I closed paid in full. 

My credit is ruined by fraudulent activity credit cards that I never opened or approved to be opened in my name. I may be a victim of someone stealing my identity. All the sudden out of no where in XX/XX/2019 Radius Global Solutions LLC is calling me multiple times a day collecting this debt. Calling relatives or people who may know me asking personal information. They are calling my home leaving several messages in a day and still repeat calling attempting to collect a debt that I don't owe. It appears that XXXX XXXX Sold the fraudulent account to Radius Global. This collection company is not practicing within the bounds of the FDCPA and is harassing me and people I know.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My information appears to have been stolen in the Equifax hack. However, I do n't want to relinquish my rights to potentially sue, which is what signing up for their monitoring service entails. The CFPB or other agency needs to force Equifax to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not an option for us to have deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I received an email from XXXX XXXX XXXX that Capital One did a hard credit check on me, I Have never used Capital one credit cards or auto loans. 
Here is what the email said : New Credit Inquiry It looks like someone viewed your credit report. 
To see details visit https : XXXX What this means An inquiry is a record created when someone checks your credit information. This usually happens when you apply for a new line of credit. 
Credit information provided by XXXX. If you have questions, please visit our Help & support page at XXXX XXXX XXXX for more information. 

Entry on XXXX XXXX XXXX : NEW ACTIVITY Financial services XX/XX/2021 New Inquiry CAPTIAL ONE An inquiry is a record of someone checking your credit information. This usually happens when you apply for a new line of credit. 
How it impacts your score Inquiries can cause your credit score to dip a little, but it usually recovers over time. 
Still have questions? 
If you think this might be a mistake on your report, you can file a dispute. 
Go to Help & support to get answers to frequently asked questions about credit alerts. 
Learn more about credit Visit our Credit Insider section for helpful credit-related resources and info.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2022 I posted a new listing on XXXX XXXX to sell my XXXXXXXX XXXX. A woman named XXXX XXXX messaged me interested in buying the XXXX. She said she can send me the money through XXXX, she messaged me telling me she sent me the money and I received an email from XXXX. The email stated my XXXX account was not a business account so it needed to be upgraded. I have never sold anything before so this made sense and the email said from XXXX support. Following this email, the buyer sent me a message claiming she sent me another {$250.00} to upgrade the account ( also stated in the email ). The requirements stated by XXXXXXXX XXXX email were to send {$250.00} to the buyer to protect them and they will send me the total of {$500.00}. I sent the {$250.00} and continued messaging the buyer until I received another email stating I need to send {$500.00}, at this point, I recognized this could be a scam. I continued to message the buyer to send me back my {$250.00} but they ended up blocking me. I immediately called my bank because the {$250.00} XXXX payment still said " pending '' on my account. The woman working for Chase said they can not stop the payment and will do an investigation but can not guarantee any form of refund for the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My issue is regarding synchrony bank. I had an account go into charge off status due to the XXXX of my grandparents causing me to fall behind on payments. I spoke to a nice woman about 2 months ago who told me since my account was paid in full, that it could be deleted. I received my letter from the company stating that my account is paid in full. But have not yet received my deletion letter as promised. After numerous phone calls and attempts to get my letter, they told me " there is nothing more they can do for me and I have to figure it out ''. As soon as I found out my account went into charge off status i immediately paid the balance and i feel extremely disappointed that this company is just making me go in circles without giving me my letter that I was promised. And giving me false information that my account would be deleted if they didn't plan on doing that.

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 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
XX/XX/XXXX {$0.00} This card is still reporting but there is no late payment or collection nor has it been verified nor did I authorize any of this. 
XX/XX/XXXX {$120.00} This account was not verifiable by the furnisher but still is reporting. Furnisher could find any record of this account. 
XX/XX/XXXX {$710.00} This account is outdated and was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$370.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$390.00} This account is outdated and also this account was found by the furnisher to be identity theft. I turned in documentation to the bureau but they are still reporting inaccurate information. 
XX/XX/XXXX {$300.00} This account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent. 
XX/XX/XXXX {$190.00} his account was never verified although I kept trying to validate the debt. I was provided computer-generated information that did not bear my signature or consent.

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 2017-09-09
Company: EQUIFAX, 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:
Equifax, willing or not, has put me at risk. By not protecting my consumer/credit info on any and all data systems in use by Equifax, Equifax has not acted with due diligence to provide my account info with a reasonable level of privacy. As Equifax is a " one-stop '' entity housing all of my consumer/credit info, they have provided, willing or not, a means for unauthorized parties access to sensitive info that may put an unfair burden on me to maintain my credit health going forward from the date of the Equifax breach. As a consumer, I have done my due diligence to maintain, update, correct, and protect my credit ratings and history. I believe Equifax should be required to provide me, without cost to me, a 7 year Extended Fraud Victim alert service and agree to reimburse me any money amounts I may incur as a result of the Equifax security breach. Further, Equifax should compensate me, at a rate of $ XXXX/hour any time I spend disputing/correcting any fraudulent use of my credit information, for the duration of 7 years beginning with the date Equifax became aware that my credit info was compromised by way of Equifax 's data systems.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Incomm Holdings Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
My wife had bought a {$25.00} Vanilla Visa Gift Card on XX/XX/XXXX from our local gas station. I called the number on the back of the card to set up a pin number for it and when I first called the automated service said my balance was {$25.00} but after going through the process of setting up the pin the automated service said that my balance was {$0.00}. I immediately called the number on the back of the card explaining what had happened and they said that there was a pending charge for {$25.00} for some company that I've never even heard of. They said that I would need to call back the next day so the charge wouldn't be pending and we could dispute it. I called the next day and they started saying someone else is claiming they own the card which I didn't understand how when I have the card, packaging and, receipts to show that my wife purchased it with my wife 's debit card. The lady I spoke to said the I would receive an e-mail to fill out and send back with my proof and as of today XX/XX/XXXX a little over 2 weeks later and 11 phone calls, I still have not received the e-mail nor any resolution. I keep getting told that I will get an e-mail in 7 DAYS to fill out and send back along with my proof of purchase ( which I still haven't received ) and then another 90 DAYS to investigate. I've NEVER heard of taking this long. My wife 's bank doesn't even take that long. Every person ( I'm pretty sure it's pretty much 1 person but changes their name each time ) that I've had contact with has been very unprofessional and, I kept getting lies after lies and being put on hold for over 45 minutes then someone disconnecting our call or just deliberately hanging up on me. This is definitely not how you treat customers. I do know this : Once this is settled I will NEVER purchase another card through NOR recommend them to anyone. Very poor service

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The Law Office of HARRIS and Zide obtained and shared my nonpublic personal information WITHOUT my consent and without giving me the option to opt out of such sharing. This is identity theft. This is also in violation of 17 CFR SUBSECTION which states 248.10. 248.10 " Limits on disclosure of nonpublic personal information to nonaffiliated third parties.

( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this subpart, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 248.4 ; ( ii ) You have provided to the consumer an opt out notice as required in 248.7 ; '' First, The Law Office of HARRIS AND ZIDE had no lawful right to obtain my nonpublic personal information. Next, The Law Office of HARRIS AND ZIDE has no lawful authority to share my no public personal information with XXXXXXXX XXXX XXXX XXXX. according to this law. As well, this could be considered harassment under the applicable United States Code if my Nonpublic personal information was sold by The Law Office of HARRIS AND ZIDE. The Law Office of HARRIS AND ZIDE is to cease all sharing of my nonpublic personal information and stop attempting to collect any fees, debts and alleged debts from me at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: NY
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:
This is XXXX XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-05
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
WESTLAKE FINANCIAL SERVICES is reporting on my personal credit file with ( XXXX ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
WESTLAKE FINANCIAL SERVI XXXX Opened XXXX XXXX, 2020 Balance {$8300.00}

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 explanation
Consumer complaint received 2023-04-25
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Bank of NY Mellon, FDIC XXXX, issued a cd ( XXXX XXXX XXXX XXXX  ) which I purchased through XXXX. The coupon payment date for the cd was XX/XX/23. They have yet to make any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-11
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
XXXX  XXXX XXXX  states that I owe them over {$1200.00} in debt. When disputing this debt it always comes back as verified. When calling the collection agency midland funding to settle this account in full. I am told they can not find an account with my information. This has been an ongoing issue for years. I now need to move because of my household size and my mortgage company will deny my loan because this company in unreachable and refuses to assist me. Today I contacted XXXX  XXXX XXXX  to complain and was told my account is no longer with midland funding but a company called encore. I want this removed from my credit report I have much physical stress from this company at 6 months pregnant I have been unable to do daily activities because of the stress in trying to pay an debt that Im told can not be accessed all the while the account is with an undisclosed company. XXXX  is no where in my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: MN
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:
Through the 2017 security breach, some amount of my personal information was released without my consent. Because equifax has all my credit-related information, this is valuable information to identify thieves. Use of this information by thieves would be a significant financial burden and inconvenience that could lead to lost time, money, and credit standing. 

I believe equifax took too long in informing the public of the breach which increases the likelihood of the stolen information spreading to thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
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:
these are not my accounts : XXXX acct # XXXX {$180.00} XXXX XXXX for XXXX acct # XXXX {$85.00} XXXX XXXX  acct # XXXX {$170.00} and the following inquiries ii did not make : XXXX XX/XX/2022, XXXX XX/XX/2022, XXXX XXXX XX/XX/2022 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 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a 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 non-monetary relief
Consumer complaint received 2019-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
I purchased a vechicle and due to this was our first car loan and we are XXXX XXXX   I couldnt get approved they took 3 months of them pulling my credit after pulling from XXXX to XXXX same Companies each month kept pulling thisnis illegal I never authorized it 4 months straight and destroyed my credit and now since they ruined our credit we can get approved to even rent a place please help they killed our credit in one month it dropped 122 points help please

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: EQUIFAX, INC.
State: VA
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:
Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-05
Company: SUNRISE CREDIT SERVICES, INC
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
SUNRISE CREDIT SERVICES is reporting on my personal credit file with ( XXXX ) credit reporting agency . This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the account removed from my file. 
XXXXXXXX XXXX XXXX XXXX XXX Opened XXXX XXXX, XXXX Balance {$0.00} SUNRISE CREDIT SERVICES XXXX Opened XXXX XXXX, XXXX Balance {$400.00}

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 explanation
Consumer complaint received 2022-09-05
Company: Self Financial Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 a loan with SELF FINANCIAL INC / LEA I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : SELF FINANCIAL INC / LEA XXXX Opened XXXX XXXX, 2020 Balance {$140.00}

Company response to consumer: Closed with explanation