BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-10
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called RADIUS GLOBAL SOLUTION Original creditor : XXXX XXXX XXXX  XXXX to resolve the account and they were unwilling to work with me concerning the payment for the old bill which they are a thrid party that handles the old account for XXXXThis was on XX/XX/20 when I called to resolve the account last.

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 2018-08-18
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
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 lost my job couldn't keep with the payment and did have an address to communicate

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Per XXXX XXXX  and the records.. The XXXX account did bot contain any of my personal information except the Social Security number was off by one digit which allowed my social security number to be on the account. XXXX has corrected the Social Security number on the account and the account should be removed from my credit within 30 days. But the collection agency is refusing to deleted from my credit even thout I provided a letter from XXXX XXXX  stating that this is not my account. XXXX XXXX keep reporting it the XXXX and all of the credit bureaus. I tried to explained to them that this is not my account they confirmed that they have the letter I submitted to them on XX/XX/2018 from XXXX clearing my name and social security but, they are mean and rude and won't deleted from my credit. I'm in the process of buying a house and this is affecting me big time. XXXX XXXX XXXX last reported it to my credit on XX/XX/2018 after knowing that is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-08
Company: EQUIFAX, INC.
State: ME
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:
Dear Sir/Madam, I am writing to dispute the accuracy of information on my credit report in accordance with the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681s-2. I have identified several items on my credit report that I believe are reported inaccurately by Creditors listed below during the covered period related to the coronavirus disease 2019 ( COVID-19 ) pandemic.

( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. 

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 

( II ) Covered period. 
The term covered period means the period beginning on XX/XX/XXXX, and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( bb ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX, under the National Emergencies Act ( 50 U.S.C. 1601 et se

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened up this checking account on XX/XX/2022, for the bonus promotion. I deposited {$75000.00} on XX/XX/2022 and ever since have held the money in my checking account.. I should have received a {$1000.00} bonus per the terms and conditions of the bonus. I still have not received the bonus. Please credit my {$1000.00} bonus as the terms stated.

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 2018-07-19
Company: AMERICAN EXPRESS COMPANY
State: AP
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 rewards from credit card

Complaint:
I referred a friend of mine to apply for AMEX SPG personal and business card in XX/XX/2017 for a referal bonus of XXXX spg points each. Since then, I still haven't gotten the bonus. Tried to work with Amex several times and cases were established. Still haven't gotten the points after 9 months and several hours on the phone. Amex admitted that they had problem of not registering bonus referrals for several months during that period.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: ARS National Services, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I sent a certified letter to ARS National XXXX XXXX XXXX XXXX CA XXXX asking for verification of the debt, i have proof of the time of receipt. They called later that day after receipt of the letter when they are not allowed to attempt to collect the debt now that verification was requested and waiting for response per the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Riverwalk Financial Corporation
State: PA
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 wrote a dispute letter to this company in XXXX. In XXXX that mail was returned to me because the address I used was not valid. The address I used was the one that was reported on my credit report : Deville Asset Management XXXX XXXX XXXX XXXX, TX XXXX This is also the address they gave me when I paid the debt. They are reporting inaccurate information to the credit bureaus, a violation of the FDCPA and FCRA. Please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATON TO OBTAIN MEDICAL SERVICES FROM A COMPANY CALLED XXXX  XXXX. I HAVE PROVIDED A POLICE REPORT AND ID THEFT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: GMA Investments, LLC
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On XX/XX/XXXX I applied and received {$600.00} payday loan by a company known as XXXX XXXX XXXX. In XX/XX/XXXX payments withdrew on paydays for {$190.00}, then 2 payments in XXXX for {$190.00}, It became overwhelming to repay and remaining payments were returned by my banking institution. I was contacted in XX/XX/XXXX by XXXX XXXX   stating they had a check they were investigating and threatening legal action. I returned the call and agreed to three payments of {$500.00}. The first two went through and then I was advised not to pay them anymore due to certain rules for payday loans and the amount of interest they can charge the consumer. Today, XX/XX/XXXX they called my work and spoke with a coworker and requested to verify employment but then also stated to my coworker that they were investigating a check. I was so embarrassed when my coworker approached me with the message. I was under the impression they can not discuss any of that with employers. I called their number tonight and requested a recorded line and stated they are no longer to contact me at my place of employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received an email communication from XXXX on XXXX XXXX, XXXX  informing me that XXXX was attempting to collect a debt on behalf of Jefferson Capital, who had purchased the debt on a XXXX account from XXXX. Upon inspecting the claim, I saw that the address for the account was XXXX XXXX XXXX XXXX , XXXX XXXX, CA XXXX. I have never lived there and have not used XXXX at any time in the last five years. I also never received any communication about the activation of this account, nor any missing payment for this account. I believe somebody registered the account under my name, yet somehow without my email or phone number. I am not quite sure how the account was tied to me. I explained the situation over the phone to a representative at XXXX in detail and sent to the company via email another explanation. XXXX then communicated over email that they would not longer be servicing the debt. 

Jefferson Capital then contacted me via mail stating that additional information is needed for my dispute. I attempted to log into their site with the JCS reference number provided to me and last four digits of my social security number. The JCS site would not let me log into their site to continue my dispute. JCS provides the option to call their customer service line, but I work long day hours and do not have time to settle the issue over the phone during business hours. I am in effect trapped due to JCS ' inability to manage their IT systems or open their call lines at convenient hours. I am also not sure why I have to contend with two debt collectors for this debt, especially if XXXX has, after collecting information, decided they will not service the case. 

I would like to submit this complaint against both XXXX XXXX XXXX XXXX XXXX and Jefferson Capital Systems. XXXX XXXX XXXX XXXX XXXX first failed to verify the identity of the person creating an account with their service, then made money selling this fraudulent account debt to Jefferson Capital Systems. Jefferson Capital Systems attempted to collect the debt through XXXX, and after XXXX dropped the case, continued to harass me about this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-18
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Investigation took more than 30 days

Complaint:
After numerous attempts to rectify this fraudulent situation, Chex System, simply ignored and never tended to my matter. Every time ( 4 times ) I have written and mailed in my discrepancy, I was denied information because I didn't have a PIN number, which was never given to me. I have had this fraudulent report on my account for months without any help or investigation for months. THEY HAVE BEEN IRRESPONSIBLE AND NEGLIGENT WHEN HANDLING MY CASE. i have submitted all documentation and proof that this is fraud ( police reports, affidavits, etc ) but to no avail. The police even have a suspect and this still want enough for Chex Systems. This is disheartening.

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 2022-12-29
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In the summer of XXXX, I closed a safe deposit box I had with Wells Fargo at their XXXX XXXX XXXX, MN branch. I returned the key to them and they assured me the box would be closed from my account. After noticing they had not closed the account and were continuing to charge me for the account, I took several steps with Wells Fargo to close the account : * I visited another branch of Wells Fargo XXXX XXXX, MN ) to close the account. They took my information and assured me it would be closed. 
* I called on XX/XX/XXXX and a customer service representative assured me it would be closed * I called again on XX/XX/XXXX and the customer service representative told me it could not be closed over the phone, and I would have to visit a branch. I told her that I had attempted to close the account at a branch on two separate occasions, yet she told me there was nothing she could do.

After four separate attempts at closing the account, I am concerned that Wells Fargo is fraudulently keeping my account open and is unwilling to close my account.

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 2021-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Balance 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 2018-07-19
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XX/XX/2015, A XXXX XXXX XXXX manager decided he wanted to evict me. He padded my rental account with {$1500.00} in late fees. We went to Small Claims Court in  Washington XXXX, XXXX, IN on XX/XX/2015. I had all my documents to show that I was not responsible for this outrageous amount and the attorney for the apartment complex could not support her argument once my documents were reviewed. 

Judge XXXX XXXX XXXX decided to " sever the relationship '' between XXXX XXXX XXXX  and I, and he did not order an eviction nor did he order a judgment against me. Still, XXXX XXXX XXXX, possibly in lieu of defeat, placed the bogus amount on my credit reports as a judgment, causing me mental anguish. 

I contacted XXXX and filed a dispute. I mailed them the documents I will attach here as proof. I even provided the Judge 's Order where it clearly states, " At the hearing, the Court was  unable to make a determination of what, if any, amount was owed. '' XXXX  still refused to remove the negative account from my credit report. This has now been on my credit report as " OPEN ''  for 3 years. 

I am filing this complaint against Experian because I believe if I dispute this collection with them, I will get the same result as 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 2022-12-14
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: Their investigation did not fix an error on your report

Complaint:
Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within XXXX days of receipt of this letter.

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 2023-02-14
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: Account information incorrect

Complaint:
The credit bureaus stated my account was properly investigated, but how is that possible if the open date is inaccurate, and the date last reported is not accurate. This is grounds for removal as they violated my rights under : 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 states a consumer reporting agency can not furnish an account without my written instructions. 

Also the credit bureaus took more than 30 days to complete my investigation. here is my certified tracking number # 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 2020-12-01
Company: Bread Financial Holdings, Inc.
State: CA
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:
There is an item on my credit report from Commenity Bank/XXXX. I have never opened account with comenity bank. I continue to dispute this item with the credit bureaus and the furnisher, but Commenity Bank continues to verify this information as accurate. In addition, each month Comenity Bank reports me late. How can they report me late when I do not have an account with them or owe them payments. 

I need this item removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: Albert Corporation
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
I transferred money from my checking account where my employment check is directly deposited. Transferred XXXX dollars to my ALBERT CASH account was told it would take 2-3 Business days for the transfer to complete. Here we are day 3 ( business day ) cuz I started the transfer XXXX XXXX. The money is still not available when I ask albert cash where it is I am told it will take 3-6 business day to complete the transfer? When I was told very different in the beginning. The money is already sent from my original banking institution XXXX XXXX and albert cash shows it pending but they or tell me there is nothing they can to to expedite it. And I was lied to to have I known it would've of taken 3-6 business days instead of the 2-3 that I was told when I initiated the transfer I wouldn't be writing this. I just want my money and to close that XXXX awful app

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I do not live in the XXXX. I live most of the time abroad, serving at the XXXX University and working with the XXXX XXXX XXXX. in XXXX, XXXX. During the summers, I return to California. I use Wells Fargo for the vast majority of my banking needs while abroad, and for all of them when I am in California. 

Despite the fact I do not live in Indiana, they sold my account to a different XXXX  branch. They admitted this was a mistake during my first phone call, but then they never fixed it. I have been on hold for over 10 hours total on at least five occasions. My latest call took nearly two hours, but XXXX XXXX ( the customer complaints person ) refused to give me to a supervisor and was unwilling to help me. 

I want to keep my account with Wells Fargo. I do not want it to transfer to this new bank.

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 2018-07-19
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted XXXX XXXX regarding account XXXX on 2 different occasions thru certified mail asking to verify that I owe their company any funds and for what. Ive also ask for anything bearing my signature that verifies I have obligations to pay them or have had any business dealings with them. Yet they have failey to verify according to law. This collection company is damaging my credit file and cant provide legal proof. Have also informed XXXX that I am a victim of identity theft and that this account is a result of identity theft as well.

Company response to consumer: Closed with non-monetary relief