BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-03
Company: Radius Global Solutions LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
An employee of Radius Global Solution called my cellphone in regards to an alleged debt. The employee named XXXX XXXX stated on a recorded line that I owe money to this company and he also stated on this same recorded line that the company called 30 times since XX/XX/2021. Stating that I owe money and the repetitive calls ( harassment ) are both violations of 15 USC 1692.

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/2018

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 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've submitted a FTC and Police Report to this Credit Reporting agency ( TRANSUNION ) on XX/XX/2021 according to FTC these fraudulent accounts must be removed within XXXX business days pursuant to XXXX XXXX XXXX. 


I've asked TRANSUNION to please removed theses accounts XXXX XXXX and XXXX XXXX XXXX XXXX off of my consumer report which they have failed to do so.

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 2022-03-29
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
XXXX XXXX opened a line on credit in my name without my consent. Some of my information was used but since they didn't get permission they did have the wrong name ( not my legal name ), and incorrect address. 

Luckily no money was used from the opened line of credit and I contacted the institution which was managing the account, Wells Fargo, and I was able to identify the faulty information as proof and ( 1 ) closed the account, and ( 2 ) submitted a complaint via their institution to try and expunge from my credit report the inquiry for this line of credit. 

I am submitting this complaint incase this is a practice this company has and wanted to ensure, if this is a patter of behavior, others are not made victims too.

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 2021-09-09
Company: Experian Information Solutions Inc.
State: WI
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:
Experian continues to show a delinquent XXXX  account XXXX I have never had a XXXX account XXXX Have contacted XXXX and they have confirmed that my SSN and Telephone # are not in their records, and therefore I have not had an account with them. 
The Experian report shows a former address for me in XXXX XXXX, LA ( this address is associated with the XXXX account XXXX I HAVE NEVER LIVED IN LA. 
The Experian Report also shows an incorrect name for me. Spelling my last name with a first letter of C ( should be G ) See pages 2, 3, 11 of the attached 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 2018-11-01
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a debt from a company called Diversified Consultants stemming from an XXXX XXXX XXXX XXXX  equipment return. Ive returned the equipment and spoken each of the companies who have both confirmed that no debt was owed anymore. This was opened XX/XX/2018 and there is absolutely nothing I owe at all. Please help me delete this from my credit report. Ive done everything Inwas suppose to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX {$0.00} XXXX  XXXX {$0.00} XXXX XXXX {$15000.00}

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 non-monetary relief
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: SC
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:
On XX/XX/2021, I submitted a dispute to the Consumer Reporting Agency ( CRA ) : Experian XXXX XXXX XXXX XXXX, TX XXXX In this dispute articulated that this CRA was in violation of 15 USC 1681b - permissible purpose of consumer reports since, by the letter of the law, i must provide them with written permission to furnish this data on my consumer reports. Furthermore, I provided the exact laws which supported my demand to remove all " late payments '' from my consumer report which are illegal based on the consumer law 15 USC 1681 ( 2 ) ( a ) ( i ). 

I requested that all late payments be removed from my report. Additionally, I pointed out how they are presenting the status " CO/C '' on the reports to represent " Charge Off and Collection '' respectively. They are presenting this data as late payments and even support that this is a late payment when viewing the full reports and on the dashboard as late payments. Instead of actually adhering to the laws they are constantly " verifying '' an account which is not what I am asking for in the letters. 

Delete the late payments for the following account : XXXX XXXXXXXX XXXX  XXXX account # XXXX Delete the following accounts from my reports : XXXX XXXXXXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX This CRA is in violation of 15 USC 1681.

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 2018-01-17
Company: PENNYMAC LOAN SERVICES, LLC.
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: Problem with personal statement of dispute

Complaint:
In XXXX XXXX I bought a house and made a mortgage agreement with XXXX XXXX XXXX Ever since I made a recurring payment instruction to my XXXX XXXX XXXX against the monthly mortgage amount. The payment was done smoothly every month with no problem. In XX/XX/XXXX The loan has been transferred from XXXX XXXX XXXX to XXXX XXXX. They advised us while we were on our vacation overseas. Our monthly payment continued to go to XXXX XXXX XXXX which they supposed to transfered back to PennyMac during the transition period. XXXX XXXX XXXX  already did that but XXXX did not reconcile the account immediately and took some time to do so. When we got notified with the problem on our return, we made extra payment and sorted the problem. We have asked PennyMac to draw their complain about late payment from our side. We have proven to them that money has been transferred from our bank in regular base and it is not our problem. PennyMac agreed and supposed to fix their claim against late payment from our side. Apparently PennyMac did not withdraw the complain from their side. hence the credit report has been negatively affected without any legitimate cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Experian Information Solutions Inc.
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I sent letters to Experian and XXXX to delete from my personal credit report on XXXX/XXXX/2018. Or provide me proof the debt belongs to me. 

They have not provided proof. They simply mailed me a letter stating the debt was verified. 

The amount of the debt is {$3500.00}. The debt shows that it is a medical bill. 

Which if this was my debt I assume this violates HIPAA.

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 2018-03-21
Company: BB&T CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The vehicle financed by XXXX XXXX was lemon and the dealer sold me a warranty that would not accommodate the issues with vehicle..Car was repo and XXXX XXXX didn't comply to NYS law by sending a certified letter indicating the intention of vehicle but instead reflects the amount I owe .... which they and credit bureaus are violation FCRA 609 ... If not resolved with your assistance ... .I will seeking actions with my attorney XXXX XXXX who specializes in such

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 2018-01-17
Company: EQUIFAX, INC.
State: SC
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:
Equifax continues to report fraudulent information on my credit report even after i have taken all the necessary steps to rectify and correct the problem. XXXX, XXXX, and XXXX XXXX are accounts that were open in my name apparently by a relative who used my information without my consent. I 've been aware of fraud since XXXX when my purse was stolen. Every since then from time to time accounts pop up n my credit that I unaware of. XXXX and XXXX have removed all fraudulent accounts but not Equifax. Besides the fact that their website has been hack too many times one could not easily not trust them with vital information being stored safely and be reported correctly, I see their action as negligent and a violation of my consumer rights as a identity theft victim. Fraud does n't mean an account does not exist it simply means an account was open by someone pretending to be the victim. They do n't seem compassionate and have shown that they want to keep this on my credit file even though I have an official police report as well as a identity theft report from the FTC. I appreciate the other 2 bureaus for being professional, ethical, and fair. its my hopes that this complaint will alarm other consumer agencies to investigate their unethical practices. I 'm suffering damages because of their negligence and desire that they follow the same guidelines as XXXX and XXXX. I 've literally done everything but file a lawsuit when that should n't even be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-17
Company: Caliber Home Loans, Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Without notice, explanation, or legal authority, Caliber unilaterally increased my monthly mortgage by more than {$200.00} per month. This is a more than 10 % increase. The increase results from Caliber 's failure to properly reserve the necessary funds to pay property taxes. 

A similar complaint was previously filed, but Caliber 's response was incorrect. They provided information regarding my XXXX home, and not the impacted XXXX home. This complaint relates to the XXXX home. It is not a duplicate matter. Caliber must address the XXXX matter. They have not yet done so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-01
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX 19 Citi Credit Card has not .Relayed all payment to Credit Bureaus. 
Thru out entire Credit history period with CITI CARD ..It causes a bad Reflection on my Credit Score .Citi provides Card Members free credit scores Provided thru XXXX .The last 6 month score 740 '' s currently XXXX and Same period.. 
XXXX provides free credit scores via my long term CREDIT UNION as a member has shown a 50 point difference ..800 's Considering closing my Citi Card

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 2021-02-13
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2021, I sent JEFFERSON CAPITAL SYST a debt validation letter requesting to have an unknown debt validated. Tracking # XXXX which shows the debt validation letter was delivered and signed for on XX/XX/XXXX, XXXX. After viewing a recent copy of my credit report I noticed JEFFERSON closed the account instead of removing it. This is a violation of Fair Debt Collection Practices Act because Debt collectors are prohibited from : Giving false credit information about the debtor to anyone, including a credit bureau. 

You are providing XXXX, XXXX  and XXXX  with false credit information that this negative account is valid and it is not. I am now able to seek punitive damages from you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-07
Company: Experian Information Solutions 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:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things 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.

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 2019-07-17
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in a civil action against a property management company in XXXX, after being denied the amount that they tried to sue for the company sold a debt to hunterwarfield in my name, no such debt us owed. I was made aware of this when I tried to buy a home in XXXX as my application was denied due to the company reporting that I owe some XXXX dollars. I disputed with credit agencies as well as called hunterwarfield. The person I spoke to told me I had to prove the debt was not legitimate, which is the opposite of the law, however I sent the court records to hunterwarfield as well as the credit agencies. Hunterwarfield replied to the credit agencies claiming that the debt they are reporting is a different debt. Warfield has refused to obey the law, I was forced to change my number after talking to them because I instantly began receiving robocalls calls as well as a man calling claiming that he worked for the government and was trying to serve me a warrant for arrest but that I could pay warfield to quash the warrant. This behavior is uncalled for and illegal, when you add the fact that I do not owe them money it becomes even more appalling. This company has tanked my credit score and is costing me thousands a year while preventing me from buying a home with their illegal behavior.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-09
Company: V and H Portfolio
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XX/XX/2021 I've sent a dispute letter to all 3 credit bureaus on incorrect reporting collection on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-21
Company: SIMM Associates, Inc.
State: NJ
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ON XX/XX/XXXX I received a letter from the collection company saying i owe on a loan from XX/XX/XXXX in the amount of {$34000.00} this loan does not belong to me, I never cosign for this loan I spoke to my daughter she said she never took out this loan. 

On XX/XX/XXXX i sent a dept validation letter to the collection company requesting information on the loan. 
the collection company sent me back incomplete information on the loan they sent a application promissory note. 
once i received this information from the collection company. I call the collection company on Friday XX/XX/XXXX trying to explain to the company that this was not my loan i never cosign for this loan. the lady i spoke to was very nasty to me on the phone and told me to file charges against my daughter for signing my name to the loan. 
i try to tell her my daughter know nothing about loan. but the lady was just nasty on the phone and hung up on me. 

on Monday XX/XX/XXXX i receive a call from the collection company after i told them in writing to only contact me through mail or email. 
i told the guy from the collection company to follow my request he ignore me and kept talking i told him im at work and to only contact me through mail or email he said no he and kept talking i told him its not my loan and stop calling me so i hung up on him. 

in my dept validation letter i told the collection company to remove the remarks they put on my credit report. which to this date they have me in collections for {$34000.00} dollars and have not remove the collection off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: JPMORGAN CHASE & CO.
State: TX
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:
My Husband, XXXX XXXX, applied to multiple Credit cards companies without my knowledge. He financially abused me and did not let me have access to see the debt on the credit cards. We are in the process of a divorce now, and I discovered all these cards under my name after filing for divorce and checking XXXX XXXX. I have filed a police report that is attached. I have filed fraud for the cards as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts and inquiries that are still reporting on my Credit Reports and need to be deleted completely from my Credit Report : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX 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