BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-10
Company: The CBE Group, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They go by the name of CBE, located out of XXXX XXXX, IA. They repeatedly call me even though I have absolutely no unpaid debt. The have called on XXXX XXXX XXXX XXXX and XXXX ( XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ) all using different numbers and I had to pay for a call filter just to get some sleep.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, XXXX charged me for two months of usage on an account that had been closed for two months at the time of the charge. I was NEVER notified of these charges and therefore could not resolve the issue prior to collections. As soon as I received a notice in the mail from Radius Global Solutions, I reached out to XXXX and the collector to report that this debt was not possible as my account had been closed at the time of the charges. 

I spent 7 hours on the phone with XXXX, who finally removed the charge and assumed responsibility for the error. Unfortunately, the collector has not been cooperative with dismissing this debt, even though it isn't mine. They have refused to call me back, transfer me to incorrect departments and do everything they can to avoid aiding me in removing this FALSE and FRAUDULENT charge. 

I have contacted Radius Global Solutions numerous times and nothing has been done to resolve this. It has caused my credit score to  PLUMMET and now I will be unable to purchase a home due to the ridiculously high rates I am being quoted, all directly associated with this debt and Radius Global Solutions. 


Here is the confirmation number received from XXXX after resolving this issue # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, 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:
In accordance with the Fair Credit Reporting act XXXX  XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, XXXX XX/XX/XXXX, XXXX & XXXX XXXX ; XXXX XXXX  ( Hotel and travel XX/XX/XXXX, XXXX XXXX  XXXX XXXX my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Aldous & Associates, PLLC
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent in 2 letters regarding my credit report to each bureau including to ALDOUS. XX/XX/2021 was the last one I sent. I haven't checked my credit in awhile and noticed ALDOUS reporting false inaccurate information. I've called several times to dispute the wrong information being reported and I either get disconnected or the run around for any real verification. Every time I call in to explain that I've sent in my letters multiple times, the reply is they haven't gotten it. its been almost 2 months since at least ONE response even after calling. I have no clue what else to do and I feel like there won't be a resolution because they keep saying they haven't received anything. This account needs to be removed ASAP because I am not liable for a debt to a company I've never had a contract with. The false information on my report is unfair and I've already explained to the bureaus and ALDOUS representatives about this matter. Please help me figure this out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
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:
Ive been trying to get insurance on my vehicle for some time now. Every time I get a quote for insurance either I was ineligible or it was too high. I would always ask what the reason was for this and I always get told that it could be my credit. I decided to pull my credit and I am extremely shocked on the outcome of the repor. The things I have listed on this application are not mine. Please remove these 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 2020-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Roughly a year ago I signed up for credit monitoring so I could correct my score. I took care of all of them but XXXX XXXX because I had no knowledge of this account ever. 3 month ago roughly I called them and asked them to explain the agent took all my information and assured me she would send me all supporting documents validating this attempt to collect what seems to me a wrongful debt. A couple months latter I sent them a email with all my information again requesting proof of this debt within 30 days no response at all via email. Then I sent a certified letter on XX/XX/XXXX final request to validate this debt with all and any signed documents by me opening this account on XX/XX/XXXX to send proof or demand they remove account off all my reports immediately with letter to all bureaus stating it was a fraudulent debt. The agent said no. So I talked to dispute supervisor. She claims last week they sent proof of this debt to my house and it has been validated to be true now mind you the last year in a half I have been disputing the same debt through XXXX XXXX, XXXX, XXXX XXXX  and no results just ignored all request. I'm a single father of XXXX trying to get my credit to a decent score so I can get my family a house and XXXX  straight ignores all request and not one has showed me proof in any manner that this is my debt. They are I violation of my rights a ruined my life

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE XX/XX/XXXX YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX, Equifax and XXXX are reporting 1 derogatory account on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 3rd dispute letters to Equifax, XXXX XXXX XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am one of the millions who were affected by the Equifax liability breach. I have visited their website dozens of times, called their toll free number many times, and tried to enroll in their free credit monitoring service many times, all to no avail. I have already had fraud on my account. They do not respond, they do not enroll me in monitoring service, and the people in XXXX answering their calls basically can answer no questions or provide any type of service or information whatsoever. My credit has been compromised and money has already been lost, and Equifax will do nothing about it, provide no service or protection, and they do n't respond or provide any monitoring service as offered. you enroll in that service over and over again, and it says you will receive an email and a text with information, but no email comes and no text ever comes, so they are fraudulent and liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied in good faith for a XXXX XXXX XXXX amex card XX/XX/2022, Amex denied/declined my application in error. I just received a letter stating that they declined my credit in error. Amex took adverse action against me by not having me exercise my right to credit, credit is a right granted. Amex violated federal Law under the Equal Credit Opportnuity Act, as pusuant to 12CFR 1002.16, I will further escalate the violation to all federal regulators if resolution is not met. 

Eclosed is the letter from Amex and my complaint to attorney general.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-09
Company: EQUIFAX, INC.
State: AL
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:
XXXX   XXXX  accessed my credit file on  XXXX   XXXX ,2017 without my permission. I have contacted them via mail, email, fax and phone to notify them that I had not given them permission to access my account. They have failed to remove this inquiry as requested. I have provided them all the information necessary to address this issue to no avail. They have this inquiry still placed on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have contacted Experian regarding several Bankruptcy dismissals that should be deleted on my credit report, but I have yet to hear from them. Although it is their policy to keep reporting Bankruptcies that are filed/ discharged, the Fair Credit Reporting Act mentions nothing about dismissed Bankruptcies ( section 1681c ). Any case, civil or otherwise, which is dismissed no longer exist in the eyes of the law, so they  have no right to maintain information which the Government has deemed nonexistent. I am asking them to send me in writing proof to their claims that Bankruptcies that have been dismissed can not be removed for 7 to 10 years or I will be forced to take legal action. It may be their policy but the law says otherwise, and they should obey it.

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 2020-02-25
Company: Experian Information Solutions Inc.
State: NJ
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:
Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on 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 2020-02-25
Company: EQUIFAX, INC.
State: NJ
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:
Hello XXXX XXXX and XXXX XXXX has incorrect information on my account that must be deleted. They have the wrong address. I need this validated. My family is suffering. Please have this company remove this account from my report. I dont understand why this is on my report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-29
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
{$200.00} that I deposited when opening my account was either lost or stolen by XXXX XXXX XXXX, perhaps through money laundering. The supervisor was shockingly unable to even track or see the {$200.00} that was debited. There appears to be rampant fraud or shocking incompetence at TD Bank for they to have lost {$200.00} or cover up the theft of {$200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Direct Recovery Services, LLC
State: UT
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:
XXXX am XXXX & XXXX XXXX XXXX XXXX XXXX left me a message. First of all I have been identity theft, and have reported this to the federal government, and have told all my accounts and they all were closed. I have as I write this a company helping me resolve this. As the accounts report to the credit bureau and I am informed that they are MY debts I have paid them off. Every single one. " XXXX '' and XXXXXXXX XXXX are NOT on my credit report. " XXXX '' left a message saying " My office has spent enough time and resources trying to reach you already. It is definitely in your best interest to return this call immediately to resolve this matter voluntarily. This is my final attempt to try to help resolve this matter voluntarily. Good luck to you and pay online. I have not spoken to this person one time. He didnt know who he was calling or leaving a message for, or even if It is MY debt. I feel threatened. Its not that serious. And you can report me to the credit bureau. That hasn't been done. So why leave me threatening messages. These people are dangerous and need to be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: Innovis
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:
My credit report is showing accounts that are not mine, I have investigate and it says that the first step to report identity theft is to file this report, the accounts that are not mine are in this report. 
Please remove these account and send me an updated copy of my credit report for inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-23
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:
On XXXX, 2021 I have been submitting letters to the credit bureau, because I have some information that is on my credit file that is not correct. I have sent in information to them telling them. I have proof that these accounts that is reporting negative is not correct.

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 2017-07-05
Company: Adler Wallach & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
For the past 3 months i have tried o communicate with AWA Collections in regards to an unknown account they placed on my credit. I have also sent them certified notices which they have received but have failed to respond to me. I was not contacted via phone or in writing about the debt. i discovered it on my credit and i am not sure what it is for or who it belongs too ... .. i just know this is an error- it is not my debt and it was not validated.     AWA Collections Account  Number   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Banks wont let me open an account based on false problem with XXXX  XXXX XXXX in XXXX XXXX, XXXX XXXX XXXX XXXX. 
Also, I had a problem with Wells Fargo years ago where they would not honor a refund check they sent me and was lost.

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 2020-06-07
Company: BMW Financial Services NA, LLC
State: TX
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:
The vehicle was repressed and now I have the inaccurate Debt amount showing up on my credit report. BMW FINANCIAL SERVICES have knowingly reported inaccurate amount due to the credit bureaus. I also had Gap Insurance coverage on the vehicle paid off. Once a vehicle is repossessed and sold at Auction dont I suppose to receive partial reimbursement for Gap Insurance. BMW FINANCIAL SERVICES also has a address listed that I have NEVER LIVED before in my life. I think I could possibly be a victim of identity theft if BMW FINANCIAL SERVICES have been sending my mail to this address. ALSO BMW IS REPORTING THE DATE LAST ACTIVE is reported inaccurately to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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:
The following inquiries below were not authorized and I was unaware on any of these below please delete immidiately FCRA violation : 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: WELLS FARGO & COMPANY
State: CA
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:
I have been trying to fix this problem for 8 months. I have a personal loan for the amount of XXXX and XXXX   and wells fargo cant seem to get this corrected and I've been disputing this for too long. It is a SHAME that these companies are failing to adhere to the laws and rules of this game they are playing with me. Wells tells me they are reporting and XXXX  tells me they have not. XXXX  even had me upload my loan documents that clearly show the loan amount of XXXX but they don't have it reported and told me that wasn't sufficient enough for them. Now I really don't know what to do. I am losing credit for my loan I've been paying on for 8 months. The loan amount shows unavailable and the balance is XXXX with a XXXX monthly payment, and it says 0 % of this loan has been paid. Please help me. This has given me undue stress and I don't deserve to be treated this way. My credit is very important to me and I think they should be ashamed of how they have conducted themselves. Ive disputed this account 5 or 6 times and still no correction, it's despicable to say the least. Thank you for your time and diligence in this matter.

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