BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-10
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This Collection agency XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MN XXXX, started to contact me by phone to harass me about a debt and also just followed up with a letter. 
They have not yet validated the debt. 
I did request via, email, fax and regular mail that they validated the debt they claim I owe before they continue to harass. 

I'm also concern that since they use unethical practices they will attempt to report this unvalidated debt to the credit reporting agencies. 

I want them to cease any debt collection until they can validate the debt and allow me to review all the documents that they will provide.

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 2020-02-07
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:
XXXX XXXX sent me a email that it looked like my personal data may had been compromised. I reviewed everything and there was several unknown inquiries and accounts that certainly did not belong me. I pulled my credit and these accounts I am reporting are definitely not mine. Please remove these items from my report. 

XXXX XXXX  XXXX {$2600.00} OFFICE OF THE ATTY GEN  XXXX {$0.00} US DEPT OF ED/XXXX XXXX {$24000.00} XXXX XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX {$230.00} DEPTEDXXXX XXXX {$2100.00} XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX {$910.00} XXXX XXXX {$0.00} XXXX XXXX {$500.00} XXXX XXXX {$420.00} XXXX XXXX {$680.00} XXXX/DEPTPFED XXXX {$7100.00} XXXX XXXX XXXX   XXXX {$270.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}

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 explanation
Consumer complaint received 2021-09-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
This company is currently showing 30 days late for the month of XXXX XXXX, 60 days late for the month of XX/XX/, and 90 days late for the month of XX/XX/ as reported in 3 Credit Bureaus. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Credible Labs Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
Credible.com is advertising to me through XXXX for a 3.99 % APR Fixed Rate Personal Loan. This is nowhere near the actual rates on their website when you put in your information regardless of the information you use. Bait and switch tactics. I reached out to customer service and received boilerplate language. 

" We publish our lowest rates for the strongest financial candidate, although our pre-qualified rates will be based on your personal financial profile. '' When I mentioned that I am the best possible candidate XXXX Fico, Lowest possible DTI etc. etc. there was no answer.

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 2018-10-09
Company: Sarma
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: Account status incorrect

Complaint:
Actions taken : called both creditors and advise that I have no recollection, I was told an investigation will undergo and nothing. 






XXXXXXXX XXXX XXXX. XX/XX/XXXX {$1600.00} Sarma collections XX/XX/XXXX {$110.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
The account is declared Paid on my XX/XX/2018 credit report, but creditor will not provide written verification that the account is resolved.

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 2017-12-07
Company: Commonwealth Financial Systems, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company never made contact with me about any potential debts that they had for me. They have listed 2 medical debts on my credit reports without notifying me. I want these debts for {$1800.00} and {$720.00} removed from my credit reports until they can be properly validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section XXXX XXXX XXXX ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section XXXX XXXX XXXX ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to therapy for my XXXX because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX Bank of America Fraud Claim number XXXX. 

On Friday XX/XX/2021, I attempted to send money from my Bank of America checking account to a friend using XXXX mobile app on my XXXX. The XXXX mobile app was not working right. Then I received a call from XXXX ( XXXX ) XXXX. The male subject on the phone stated that he's the support from XXXX  and needs to have access to my phone to help me with the app. I allowed the subject male access to my phone. While he had access to my phone, the subject transferred {$300.00} from my Bank of America checking account to another Bank of America account number XXXX, XXXX. At the time, everything seemed legitimate to me, a XXXX XXXX XXXX XXXX XXXX, until I realized what happened. I called the male subject back to ask for the money back and he stated that it'll be deposited back to my account shortly which never happened. When I tried to call back the number was already not in service. I called Bank of America immediately and filed a fraud claim and called the police and filed a police report which I provided to Bank of America to support my claim. 

After waiting 5-6 weeks without receiving a decision on my claim from Bank of America, I called the bank and they informed me on the phone that my claim is denied. I never received a formal confirmation on my claim or a formal reply from the bank. 

Needless to say that the {$300.00} was my two weeks pay from my part time job in XXXX XXXX XXXX and I was left with {$17.00} balance.

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 2021-02-10
Company: General Motors Financial Company, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Those items are identity thefts and do not belong to me. I do not recognize them and never had those accounts. My info was most likely compromised. I want XXXX  to remove them immediately as they are hurting my credit score. They are not contributing with sending proofs of signatures, and will get an attorney to further proceed if they do not do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: The CMI Group, Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A Door to Door salesman came to our house via a new cable company we had heard of in our City. They made an offer for our Cable and Internet Service that would save us over {$100.00} per month. We went ahead with this plan and called our former cable company, XXXX XXXX, and they said to return all of their equipment to cancel our service with them. We did so on XX/XX/XXXX and we asked them if we owed anything on our account and were told they did not know but they would contact us if we did. We never received an e-mail nor any billing in the mail from them so we assumed we did not owe anything and forgot about it all. 

Then in the last week of XXXX we received a letter not from XXXX  XXXX but from a Debt Collection company, Credit Management LP, stating we owed {$160.00} to XXXX  XXXX. From this, we knew this would affect my husband 's credit report and we had never received a previous billing via mail or our e-mail prior to receiving the letter from the Debt Collection Company. 

Our son immediately got on the phone and called XXXX XXXX and asked them why this amount owed was sent to a collection agency when a ) we had never received a bill prior to this notice and b ) that the account was sent to a third party collection company in less than 2 months of our cancelling our service. 

The representative on the phone stated they had mailed two billings but we never received them and had been actively looking for any notification about an amount still owed. If we had known that this amount was due soon after we closed our account, we would have reviewed it and taken care of it but now it has been sent to collections and we both want to ensure this is not reflective on my husband 's credit report prior to our paying it and want to know why we were never notified of this debt before it was sent to a Third Party Collection. 

My son has suggested that this is in retaliation for our canceling our service and I am unsure if this is the reason but what I do know is if we had owed anything, then we should have received a billing in the mail and/or been contacted by XXXX XXXX before it was sent to collection and we also want to inquire as to why it was sent to collection in less than 60 days of our closing our account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
All of my accounts were closed due to a mistake that Chase made. I received 0 email, phone, text, or message center notifications that my cards were about to be closed. When I tried to reinstate the cards I was told that I needed to go to my nearest branch to fill out a form. I drove 5 hours round trip to fill out my XXXX and they then told me there was still nothing they could do. I now have no way to pay for anything and I lost my credit card bonus. I was told to wait 30 days and then apply for a new card. I have put 11 hours into resolving the situation so far and I have made absolutely no progress towards a solution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-08
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$4700.00}, {$0.00}, {$0.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNTS 1. XXXX with ACCT # XXXX opened on XXXX XXXX, XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17
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: Credit inquiries on your report that you don't recognize

Complaint:
I lost my wallet at a grocery store either inside or outside in the parking lot which contained my personal information. I went back to the grocery store to see if anyone had turned it in or if they could rewind the cameras back. Since losing my wallet, I have not noticed any new accounts being opened but I have noticed alot of credit inquiries that I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 very concerned about the validity and accuracy of the recent investigation done by Transunion. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Transunion failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

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 2017-12-05
Company: Westlake Services, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
Westlake financial services cancel my loan for a used car on XXXX XXXX XXXX because the dealership that i went through submitted a secondary loan contract with my signature unknowing to me. When XXXX from the Westlake verifications department called me on XXXX XXXX, I told her I did not send a second loan contract in. The next few days after I received the Adverse action notice from Westlake, which i have uploaded with my complain. 

My concern is that i did n't commit any fraud and my loan was denied because of the dealership actions, that Westlake knew before they sent out the adverse action notice. And i 'm also really concerned that they said I was denied because of Credit. This has cost me money to retain a lawyer at Westlake 's request, to obtain any paperwork between Westlake and the dealership from them, but they told my attorney I was not a customer and i needed a subpoena to have those documents sent over. So I filed a complaint with The XXXX. Of XXXX Services, and Westlake then turned over my paperwork without that subpoena they requested prior. 

The time in which the loan was canceled/denied, was only 14 days after purchase date. The most significant time frame for expirations on loan are 30 days. 

The loan had already gotten to the verification Department twice in two weeks. Credit was not a reason for the denial. How can this be the reason in your Adverse action Notice sent out? This is not acceptable to me and it should not be acceptable with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Experian Information Solutions 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:
I have an unverified accounts on my credit reports. I I have never done business with these companies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request I be provided verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that the companies Cease and Desist all further communications and collection actives and provide the verification of the purported debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX 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 2020-02-07
Company: NATIONWIDE MORTGAGE BANKERS, INC.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
ON XX/XX/2019 XXXX XXXX OF NATIONWIDE MORTGAGE BANKERS INC ORDERED A VA APPRAISAL OF PROPERTY XXXX XXXX  XXXX XXXX XXXX XXXX, MD XXXX. THAT APPRAISAL WAS ASSIGNED TO AND COMPLETED BY XXXX XXXX OF XXXX XXXX XXXX, XXXX THE FINISHED APPRAISAL REPORT WAS UPLOADED TO THE VA PORTAL ON XX/XX/2019. THE AMOUNT OWED FOR THIS COMPLETED SERVICE IS {$520.00}. NUMEROUS ATTEMPTS OF COMMUNICATING THIS DEBT HAVE BEEN MADE. LATE FEES HAVE BEEN ADDED IN REGARDS TO THIS NONPAYMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: NCB Management Services Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This account is inaccurate and an FCRA violation. NCB MANAGEMENT SERVICE # XXXX. I'm unaware of this account and did not receive notification about of debt. If you believe you provided notification, please PROVIDE CERTIFIED RECEIPT. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Please honor all request of documentation.

Company response to consumer: Closed with explanation