BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 file a complaint with the federal Trade Commission over a issue that has been on going since XX/XX/2018 I need my credit report update properly for the third time with all 3 credit bureaus Trans Union, XXXX, and XXXX. Please see attached complaint.

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 2019-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have tried and tried to get this off my credit report and i cant get them to take it off. people have called me 20 times a day and they are rude and i finally told them to cease and dissit all forms of communication and they are still calling

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: AXOS FINANCIAL, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened an XXXX mobile account on XX/XX/2020. I made my first transfer of {$150.00} to the XXXX account from my primary XXXX XXXX account on XX/XX/2020. And a second transfer on the following day, XX/XX/2020, of {$82.00}. There was no historical record or transaction confirmation provided by XXXX regarding my transactions which made me distrustful as it is hard to monitor money in this way and it also did not meet my needs. I decided to transfer my money ( the {$150.00}. and the {$82.00} ) back to my XXXX XXXX account but I couldn't because XXXX did not have the feature or capability to give me my money back. I emailed XXXX to get my money and I was told I had to get the money in my XXXX account through my XXXX  XXXX account. Really? I tried to do that but XXXX XXXX told me the only way I could do that was by opening a dispute. After months of investigation, I received an email from XXXX  XXXX now stating they can not get the money back from XXXX because they claim I made the transfer. I did make the transfer and then, wanted my money back and XXXX did not allow it in any way possible. 

It gets worse. Today, XX/XX/2020, after receiving the email from XXXX XXXX and speaking to them to no avail, I called XXXX and spoke to a representative named, XXXX, who stated my XXXX account was closed prematurely due to technical difficulties. XXXX continues to have my money ( {$150.00}. and {$82.00} ) in their possession and have not notified me of the account closing nor has contacted me to return my money. It is now, that I called that I find out all of these and have been given the option to have my money transferred back to my XXXX XXXX. This option is only available because my account was closed prematurely and I found XXXX out on their doing. WOW. Please investigate this institution as they have with confirmation committed fraud and potentially are committing fraud with hundreds of other accounts. They most not be operational.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
the Following inquiries are fraudulent and authorized inquiries I WANT THEM BLOCKED AND REMOVED FROM MY PROFILE XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XX/XX/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 explanation
Consumer complaint received 2021-10-13
Company: Regional Management Corporation
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
The company did a skip trace without needing it and called my ex husband, whom I have an injunction against. This company claims to not have a valid phone number for me. I have had the same cell phone number since XXXX and the same work number since XXXX. I told them that they might of dialed a wrong number by accident and they refused to take accountability. My cell phone hasnt been disconnected and no one uses it but me. Also they never attempted to contact me by mail. Doing a skip trace for an account that wasnt even 30 days past due is going to far. Also contacting someone I have XXXX  in XXXX makes no sense to me. This violates my privacy, they told him I was late with my payment. What makes me more upset is that they are blaming me when Ive done nothing wrong. I do not want them to ever call that man again. And before skip tracing me, they should at least contact me by mail. Dont you think?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am requesting the financial outline to submit a full modification package to PNC Bank, but I have had difficulty getting any positive response since my mortgage is current. Recently, I had to borrow from a third-party nearly {$50000.00} to bring both of my mortgages current, and without a modification I believe I will once again fall behind in payments. 
Therefore, I need a modification package emailed to me or mailed directly to my home address.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-19
Company: Radius Global Solutions LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
After viewing a copy of my report, I noticed a collection account placed on my credit report from Radius Global Solutions LLC in XX/XX/2019 in the amount of {$480.00}. First and foremost, I have confirmed that the debt collector, Radius Global Solutions LLC is not licensed in the state of Louisiana to collect on this debt. Secondly, Radius Solutions LLC violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to Radius Solutions LLC? I have never heard of them, have no written contract with them and have never received any benefits from them, yet Radius Global Solutions LLC has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$430.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I received an email on XX/XX/2021 stating that Chime decided to close my checking and savings accounts effective immediately without any warning. I reached out to ask why my account was closed and how I can retrieve the money in my account. Chime responded that they can not disclose any detail. Since then I have contacted Chime multiple times asking for my account funds and they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: EQUIFAX, INC.
State: MO
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:
Equifax and XXXX are incorrectly reporting me as an Authorized User on XXXX  XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however Equifax and XXXX have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-18
Company: EQUIFAX, INC.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I requested a copy of my credit report through Equifax and discovered a debt collector entry for {$1900.00} claimed by XXXX XXXX which was subsequently purchased by XXXX XXXX XXXX. While I previously did business with XXXX XXXX, I ended my account with good standing. I do not recognize the account number or account date as being something I authorized and believe one of two things has occurred : My valid account with XXXX XXXX was not properly terminated as I instructed or a second account was opened under my name without my authorization. 

I disputed the account with Equifax and, on XX/XX/2019, they replied that the account had been correctly verified and identified as mine. I requested that Equifax, XXXX XXXX XXXX, or XXXX XXXX provide me with the signed contact supposedly in my name which supports the debt in the first place. I was told it was not available. I asked to get copies of the statements from the account and was told those were not available.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: PA
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. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my report : Collection : XXXX - Balance {$1400.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) -XXXX - Balance {$57.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: Specialized Loan Servicing Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Starting in XX/XX/2018, my loan servicer, Specialized Loan Servicing ( SLS  ) has started to charge me a late fee of {$120.00} if I do not pay my mortgage by the XXXX/XXXX of the month ( I received a similar late fee penalty this month, in XXXX ). Previously, if I paid my mortgage payment after the XXXX or XXXX of the month, for a period of almost two years, I did not receive such a penalty. I looked back at my loan closing documents and there is no such right in there for a servicer to start charging me a late fee arbitrarily for not paying by the middle of the month. I have sent a notice to the servicer indicating these facts but I have not received any response as of yet.

I believe this process of arbitrarily starting to charge me late fees after almost two years of mortgage payments ( of which I have not missed any ) is unlawful and I want this organization to cease this activity which I believe is an unfair practice. Thank you.

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 2018-10-30
Company: Receivables Performance Management, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Requested verification of debt from recieveables performance and was not sent the requested documentation, I would like my letter responded to in full or the debt removed from my reports as it has not been validated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In regards to account I am a victim of identity theft. I am a natural person and consumer and this is fraudulent activity that has been furnished on my credit report. 
I have an attached copy of my ID Theft Report in the attachments. 

I demand that the all and any accounts from the following accounts be removed immediately off my credit report. 


Account name COMMONWEALTH FINANCIAL SYSTEMS Account number XXXX Account type Collection Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) - Permissible purposes of consumer reports 15 U.S. Code 1681b ( g ) Protection of medical information ( 1 ) Limitation on consumer reporting agencies A consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumer report that contains medical information These accounts are indeed reported on my credit report in connection with a credit transaction and Pursuant to 15 U.S. Code 1681b ( g ) ( 1 ) they should be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-30
Company: ERC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response a letter dated XX/XX/2018 from XXXX XXXX XXXX XXXX XXXX claiming I owe them {$100.00}. 

The company failed to provide me with any evidence that I have a legally binding contractual obligation to pay XXXX XXXX XXXX XXXX XXXX this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Dear Collector : Please be advised this letter is a demand for validation pursuant to the Michigan Consumer Protection Act and the FDCPA, made by XXXX XXXX. Your failure to respond may trigger action for damages brought by an individual consumer against XXXX XXXX XXXX, for violations of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., and the Michigan Collection Practices Act ( State Act ), MCL 339.901 et seq., which prohibit debt collectors from engaging in abusive, deceptive, and unfair practices. Furthermore, FCRA Sections 623 ( a ) ( 5 ) ( A ) & ( B ) stipulates what a collection agency must do to attempt to determine the date it must provide to a consumer reporting agency for calculating a seven-year period. This date is a key to ensuring that collection accounts, even when transferred from one collection agency to another, do not result in a change in the calculation of the seven-year period for retention of adverse information. 

Be advised THIS IS NOT MY DEBT! Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692 ( g ) : I XXXX XXXX states that your claim is disputed and validation is requested. During this period of dispute, consistent with the requirements of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692 et seq., you are required to stop all efforts to collect this alleged debt and remove any negative reporting to any credit reporting agencies or be held accountable for the ensuing liability and penalties arising under the FDCPA. Further consistent with the requirements of the FDCPA, 15 USC 1692g, please verify the debt you are seeking to collect, in writing, in the following particulars : What the money is owed for ; Explain and show how you calculated what you say is owed ; Provide copies of any papers that show the amount claimed to be owed was agreed upon ; Provide a verification or copy of any judgment if applicable ; State if you purchased this debt from the original creditor ; Prove the Statute of Limitations has not expired on this account Show proof that you are licensed to collect in Michigan Provide copies of your license numbers and Registered Agent

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX and Transunion are incorrectly reporting me as an Authorized User on XXXX XXXX partial account number XXXX. ( Please see pages 2 and 3 of the attached credit report. ) I called XXXX XXXX and let them know that I did not give permission to be added as an Authorized User. They removed me as an Authorized User on XXXX however XXXX  and Transunion have not removed this from my report. I have contacted the two bureaus to fix this issue. This negative reporting is harming 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 2021-10-13
Company: Santander Consumer USA Holdings Inc.
State: FL
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:
Hi. 
I was reported by Chrysler Capital 30 days late for XX/XX/ and XX/XX/XXXX Im XXXX XXXX and my business was closed due to government order for pandemic. My XXXX was closed for XXXX, XXXX, XX/XX/. I called Chrysler and ask them to defer the payments around XXXX, and they were ok with that but still they reported me. This was during middle of pandemic and im requesting help to remove this late payment from my credit report. We are back to business now and still trying to survive.Its affecting my score drastically for any kind of loan applicaion

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX XXXX did a hard credit inquiry on my credit WITHOUT my permission. 
The reason why they did it without my permission is because I have a SECURED visa card that is secured with my own funds. 
In order to increase the credit on this type of account, you have to request a credit limit increase in writing by submitting a cashier check or money order and a written request to increase the credit amount on this type of secured visa credit card. 
In the letter, you also have to state your gross income, and monthly rent amount. 
The instructions on the letter did not say they would have to do a HARD credit check. 
This is wrong and fraudulent and misleading to do a HARD credit inquiry on a secured visa card. And whats so disappointing is a regular credit card never did any type of hard credit inquiries whenever i requested a credit limit increase. I have a master card and a 2 store credit cards and never ever have they ever did a HARD credit inquiry. 
Now, i understand, if i was trying to apply for a new credit with a new card, yes, i would expect to see a HARD credit check, but for a secured credit card that i had for over 6 years, that i personally funded with my own money, and you still do a HARD credit inquiry? this made me so upset and mad because this company does not want me to succeed at all. And i decided to give my secure my funds with an existing credit card, if i would have know that they were going to be evil and do a hard credit check, I would have gladly opened up a new credit card with the intentions of seeing a Hard Credit Check because of this new credit card. 
I already wrote to XXXX XXXX and they replied back. I also submitted a dispute to XXXX  credit bureau. 
The date this hard credit inquiry occurred XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: STERLING JEWELERS, INC.
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX/KAY JEWELERS has reported inaccurate information to the credit bureaus. Such as but NOT limited to ; Account Number, Creditor Name, Account Open Date, Account Closure Date, Account Charge off Date, Payment History, Names, Balance, Amount Charged Off. 

Due to the inaccuracies in my credit reports, I demand that the validation I hereby request, be validated in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of a returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please note that I am also requesting competent evidence that I had some contractual obligation in relation to the tradeline.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-18
Company: GREAT LAKES
State: MI
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The current collection agency constantly sends me letters and doesn't own the debt and therefore has no authority to hound me with calls and letters on this debt. 

I don't owe them any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-17
Company: SLM CORPORATION
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX, XX/XX/XXXX Sallie Mae are calling people outside of who I listed on my loan, giving out personal information regarding my loan

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation