BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-20
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE:XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX FL XXXX Radiusglobal Opened XX/XX/XXXX + {$400.00} Original creditor : XXXX XXXX  Radiusglobal Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX  Radiusglobal Opened XX/XX/XXXX + {$1500.00} Original creditor : XXXX XXXX  Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious Radiusglobal Opened XX/XX/XXXX + {$400.00} Original creditor : XXXX XXXX Radiusglobal Opened XX/XX/XXXX + {$200.00} Original creditor : XXXX XXXX Radiusglobal Opened XX/XX/XXXX + {$1500.00} Original creditor : XXXX XXXX  I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2023-05-29
Company: Phoenix Financial Services 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 sent a certified validation letter to Phoenix Financial Services XX/XX/2023, I also informed Phoenix Financial Service they are not allowed to collect a debt in California Per Debt Licensing Act ( DFPI ) I do not know where this debt originated from. Please see attachments. If this is a medical bill, I have and have always had insurance. You also have this as an open account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX XXXX, a consumer am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g I request that you provide to me verification of this alleged debt verification consists of a formal declaration in where you swear to the truths of the statement of the facts of the matter have first-hand knowledge and must be notarized.Since this debt disputed pursuant to the fair credit debt collection practices act, you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX XXXX and XXXX I Herby inform you that you do not have my consent to communicate with me through any medium. Furthermore I do not consent to you having any of my personal and private information this constitutes aggravated identity theft I also did not consent to you reporting information in my name to the consumer reporting sgencies

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an Account on my report that is Inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There is an Account on my report that is Inaccurate

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Experian Information Solutions 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:
Hello, Experian failed to their proper investigation once again and says that I have to reach out to the creditors. The creditors will not give me any information on these accounts because THEY DO NOT BELONG TO ME. Experian needs to do their due diligence and look into these accounts I've disputed and not just give me a computerized response. 

I need method of verification I need to know why they keep updating the accounts and marking them as verified without giving me the consumer how they came up with that conclusion. 

These accounts are ruining my good name and need to be deleted asap!

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 2021-10-07
Company: Phoenix Financial Services LLC
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:
On XX/XX/XXXX I received an alert for XXXX XXXX XXXX, a collection from Phoenix Financial in the amount of {$510.00} for a medical bill was put on my credit. I immediately called them and spoke with someone trying to verify my information. Unfortunately they asked if my name was XXXX XXXX, I replied no it is XXXX XXXX XXXX, then she continued to ask me if to verify my address, well I guess XXXX XXXX lives in Colorado, I live in California and finally I was not born in XXXX. The lady proceeded to tell me they were in the wrong and I need to file a police report???? I have disputed this issue with XXXX and they found the dispute in the collection agency 's favor. Outrageous!!!! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Hi, I wrote a verification letter to all three credit bureaus. both XXXX and XXXX responded and deleted the unverified records. Transunion did not respond. I sent my verification letter on XX/XX/2021, XX/XX/2021, and XX/XX/2021. I did not receive a response or notice to investigate the letter. I reach out to the creditor of the accounts that I requested Transunion to verify and the creditor couldn't verify which means Transunion should delete the account just like XXXX and XXXX. Transunion is breaking the fair credit reporting act and it's affecting my personal life

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I am asserting that Synchrony Bank ( see attached letter dated XX/XX/18 ) has made a grossly negligent error or intentionally misleading statement of fact for limiting my approved credit for a Lowe 's credit card. Specifically : ( 1 ) The stated reasons for Synchrony 's limitation of credit are inconsistent with information provided by its listed sources of credit information ( XXXX and XXXX XXXX XXXX ). My XXXX credit report is spotless and my XXXX credit score is XXXX which places me in highest credit worthy category and in the top 10 % of credit users nationwide. For someone who takes great care in managing one 's credit, you can imagine my alarm when I read Synchrony 's justification for limiting my credit. When I contacted XXXX and XXXX, it indicated that there was no information whatsoever under my name ( same as business name ) anywhere on their system. Accordingly, the sources of credit information identified by Synchrony Bank in its letter does not in any way support its decision. 

( 2 ) When I attempted over a period of three days to resolve this with Synchrony Bank, it was ( 1 )unable to tell me specifically why my approved credit was limited beyond the three false or misleading statements. ( 2 ) unable to locate a copy of the letter ( see attached letter dated XX/XX/XXXX ) ( 3 ) unable to identify the division where the letter was generated or the contact person who made the credit decision. The reasons cited by Synchrony for limiting my credit are egregiously wrong and/or intentionally false. 

( 3 ) Absent the ability or willingness of Synchrony Bank to answer my questions or provide additional justification for limitation of my credit I assume the following : ( a ) Synchrony Bank is in violation of the Equal Credit Opportunity Act ( ECOA ) with possible discrimination against me because of my age ( XXXX ). 
( b ) Synchrony Bank is in violation of Fair Credit Reporting Act ( FCRA ) because it has not identified the true source of credit information ( assuming it exists ) that I might use to verify the accuracy and completeness of the report and related credit decision. The information provided to date do not in any way support Synchrony 's credit decision.

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 2023-01-26
Company: TRANSUNION INTERMEDIATE 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: Account status incorrect

Complaint:
Transunion is reporting information on my consumer report that is causing harm to my personal life. It is TRANSUNIONs duty pursuant to the FCRA to report accurate and correct information on my consumer report, however they are NOT. TRANSUNION is reporting XXXX inaccurate late payment for the XXXX account ending in XXXX. This includes a 30 day late payment posted in XX/XX/2020. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish this inaccurate late payment on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

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 2022-08-27
Company: Halsted Financial Services, LLC.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received an invoice for XX/XX/2020 for XXXX XXXX XXXX XXXX for an amount of {$1000.00} & I was in XXXX at the time they said was there. I called and the first thing they asked me was to verify my Social Security number, no greeting asking who I was, just read off the last 4 digits like they had it on file expecting the call. When I asked for the XXXX XXXX XXXX XXXX phone number the number they just said to check on XXXX. I thought that was suspicious because if you guys are partners you should have their number on file. When I called the number was no longer in service, so now Im even more suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-09
Company: Constar Financial Services, LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX of 2018 I discontinued my Service with XXXX XXXX I paid off the final amount owed in XXXX of 2018. Today I received a collection notice from a company called Constar Financial Services claiming I owe XXXX XXXX  XXXX. I made the mistake of calling and talking to them and of course they only wanted was information. I then contacted XXXX XXXX who assured me I owe them nothing and they do not know of this company. 
The company claims to be Constar Financial Services LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Az XXXX phone # XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-08
Company: Tower Loan of Mississippi, Inc.
State: KS
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 was used as a reference for someone, and when the company could not reach the original person, they started calling me. This a collection of which I have no knowledge. I passed the message along and expected the calls to stop. Even after explaining that I had passed the message along, and wanted them to remove my number from their call list. They still call, over and over!

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 2021-01-29
Company: TRANSUNION INTERMEDIATE 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:
I am a victim of identity theft and did not make the charges. I ask that the items be blocked to correct my credit report. I've tried several times disputing with the credit bureaus but it seems like they are too busy and not responding to my requests.

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 2018-07-27
Company: EQUIFAX, INC.
State: NC
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 am attaching a copy of the investigation request I sent to Equifax on XX/XX/XXXX. They are supposed to respond within 30 days. Over 45 days have passed, and I have yet to receive my results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I contacted IQ Data International regarding an outstanding debt that appeared on my Credit Report. IQ Data International informed me that they would reduce the total balance due to {$3500.00}, accept payment of {$1700.00} today ( XXXX ) and send me a letter/receipt showing that my outstanding balance would be {$1700.00}, due by XX/XX/XXXX. After I made payment of {$1700.00}, IQ Data International sent me a letter ( via email ) saying that I owed {$3500.00} due byXX/XX/XXXX. I contacted IQ Data International and asked for a " receipt '' for the {$1700.00} that I paid, including a remaining balance-due notice. IQ Data International refused to send me a written-receipt of payment and remaining balance due. When I reminded them that that was a violation of our agreement and illegal, IQ Data International said that I was committing fraud if I did not pay them. Regardless, I ordered a stop-payment from my bank and notified them of this illegal behavior. IQ Data International representatives were very hostile and made no attempt to honor our agreement or the law when they refused to provide a receipt of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I had first forensic DNA when no any one forensic DNA agency in XXXX, had training subject matter form XXXX XXXX XXXX XXXX. 
As Development nation XXXX Police and Army personnel unskilled in nature about Constitutional Rights and procedure amone civilian, it first disconnecting internet since XX/XX/XXXX to XX/XX/XXXX for their preference web I may permitted about it it several complain submitted ic3.gov no result. 
I had also A commitment between me and United States of America fund and technology but gangs blocking all rights inhere in XXXX, succession property interest with others income. 
Financial criminals unlawfully obtaining my property using several ways and I have received one email from USAA for E-Payment at my another email is XXXX at Sun XX/XX/XXXX, XXXX XXXX, i had tried to contact but sender was false, sender email ( XXXX ). 
to day XX/XX/XXXX I have participated online registration with https : //www.usaa.comXXXX and this agency get my all confidential data are date of birth, passport number all accurate but after completion web site replied false " We're unable to complete your request online. '' This type of Online Banking or Institution unlawfully transaction beneficiary property and as I am foreign person I am serious victimized against this powerful gang. 
Requesting investigation and action appropriate according to International law related analysis it corruption and Official Bribery and according to Statute of International Criminals Court it is International Humanitarian law violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NE
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-27
Company: Experian Information Solutions Inc.
State: AZ
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 have an account that is reflecting on my credit report that is duplicated and I have requested from the credit bureaus to dispute the account. This account is being reported by XXXX XXXX XXXXXXXX XXXX from an apartment complex. But it shows two separate accounts reporting on Experian with different acct numbers, different balances, different open dates and so on. This information is not reporting legally and it is not mine. Experian has failed to provide documentation that shows that this acct is mine. I want the assistance in removing this account from reporting on my credit report. I am actively trying to purchase a home and this is affecting my ability to do so. It is also affecting my credit score.

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 2022-12-12
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:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with XXXX XXXX # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. Please remove the following fraudulent items : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX. Under the FCRA section 605b, you are require by law to remove the disputed items off my Credit File. If you believe that the disputed items belong to me, please send me copies of proof of verification or proof of ownership. In the absence of such documents should result in the immediate removal of the disputed items. Please do so.

Company response to consumer: Closed with explanation