BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-14
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XXXX of XXXX I had a motorcycle accident. I went to an emergency room for treatment. The hospital then submitted the bill to the VA for payment as Im a 100 % XXXX veteran. In XXXX the doctors group who treated me had submitted the bill to the VA for payment long after the required time the VA allows for medical bills. The original company never contacted me and just reported the debt to my credit. In XXXX of XXXX I contacted the VA because I was still receiving bills. The VA had made it clear to me they waited 5 months to submit the bill when they only have 3 months to submit the bill for payment. The VA explained to me and the debt company as well as the doctors group they failed to submit the bill in a timely manor for payment. Now I have a new debt collection company calling me without telling who they are or why they are calling. They want me to give them sensitive information without them telling who they are or why they are calling. Just two weeks ago this company has reported to my credit again. The new company has also been told the debt was submitted after the time period for reimbursement. The new company is also reporting on my credit at least once a week. 

The name of the new debt company is Radius Global Solutions LLC. The original debt belongs to barracuda XXXX XXXX XXXX. The account number is XXXX. 

Both agencies have been told because the original party did not submit the bill to the VA in a timely manor it would not be paid. The VA also had their debt collection group try to handle this and they refuse to stop trying to collect and continue to report and ruin my credit.

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 2021-11-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I'VE WRITTEN AND CALLED ALL THREE MAJOR CREDIT BUREAUS ABOUT THE INCORRCT PERSONAL INFORMATION ON MY CREDIT REPORT AND HAVE YET TO RECIEVE ANY REPONSE OR SEE CHANGES

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 2019-05-29
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/19 I disputed the account LVNV Funding is reporting on my credit report with the 3 bureaus. I also initiated my own investigation with LVNV Funding requesting Validation of the debt. USPS Tracking XXXX XXXX XXXX XXXX XXXX. 

LVNV Funding only sent me a copy of a bill. This is not validation and since they can not provide proper validation this account needs to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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 received notice from XXXX XXXX XXXX that I was being denied for a variable rate XXXX loan Application ID XXXX on XX/XX/2021. 

I immediately contacted XXXX who said that there was no record of a loan application. I informed them that there was a hard inquiry for a loan and I would like it removed. 

I followed up with XXXX again in XXXX with no result. I then filed disputes against the hard inquiry with all three credit bureaus which did not result in the hard inquiry being removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had a check cashed that I did not send chase back will not put the money back in my account someone cashed it and its been since XXXX of 2021 they keep telling me they are waiting for the other bank to respond well its been close to a year and still no reimbursement .I asked how much longer do I have to wait for them to fix this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had to close my account due to Fraud. I was advised any transactions that tried to go through I would be notified, I was also advised since I did n't have enough time to reroute my DD they would auto send it to my new account that I have ( with them ). That is n't the case. I have. Even calling since last Friday and have been told now it will be later in the week that my DD will be credited. I 've asked for a supervisor and was told there is n't one available. I have asked to speak with the specific fraud specialist ( XXXX ) and told no. Her notes are on my account so I know they can contact her. I 've called my local branch no luck. Meanwhile my bills are trying to go through ( auto debit XXXX of month ) and being rejected and I 'm getting charged fees! HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
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: Their investigation did not fix an error on your report

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
While I was a tenant at XXXX XXXX Apartments in XX/XX/XXXX, water came up through the drain of my kitchen sink and caused damage to the unit below me. I was not in my apartment when the incident took place and I had no knowledge of any plumbing issues that could cause water to come up through my drain. The XXXX XXXX feels as though I am liable for these damages. I disagree and have refused to pay despite multiple attempts to collect by XXXX XXXX. Ultimately I got my attorney involved and he reiterated that I would not be paying the alleged debt until a verdict was rending in favor of the XXXX XXXX proving that I owe the amount at issue. At that time XXXX XXXX indicated they were not intending to file a lawsuit. Instead they were going to going to continue to seek payment and ultimately jeopardize my credit. Earlier this year I was contacted by National Credit Systems , Inc. on behalf of the XXXX XXXX. Again, they were seeking to collect the alleged debt that had previously been dispute with the XXXX XXXX. I explained to the National Credit Systems representative that the amount had been disputed and I would not be paying. Last month, XX/XX/XXXX, National Credit Systems , Inc impacted my credit by reporting the alleged debt to the credit bureaus. Shortly thereafter I received a letter threatening me with a lawsuit and explaining my ability to get credit, favorable interest rates, or a home are now in jeopardy because they have reported the alleged debt to the bureaus. On or about XX/XX/XXXX, I reached out to National Credit Systems , Inc to inquiry how the alleged debt had been validated and what gave them the right to impact my impeccable credit score. I  was told the XXXX XXXX had provide a copy of my rental agreement and an invoice for the repair costs and that was all they needed, as I had failed to provide any documentation to the contrary. I explained that I did not need to provide any additional documentation as my stance is supported by the rental agreement that was provided by XXXX XXXX. I asked where in the rental agreement it stated I was liable for unknown maintenance issues, which I was told my rental agreement states the tenant is liable for all water damages. I can assure you that the rental agreement does hold the tenant liable for all water damages. Rather, section XII ( F ) of the agreement indicates that the tenant as the duty to promptly notify the Landlord of the need for repairs. Since I had no knowledge of the maintenance issue, I had not duty to notify them. Nor could I have.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio recovery reports an open account with a XXXX balance on all three credit agencies. under me being joint borrower, I never joint borrowed with my ex spouse nor do I know what this debt is. 

They report it twice leaving off digits of the account # 's but yet both trade lines end in the same account number example one trade line says XXXX the other tradeline says XXXX both showing different start dates yet shows original amount owed as the same I have disputed this thrue other means and directly with them but they refuse to remove this as it is not mine nor report it as closed since the balance now says XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Signed up for a bank of America AAA credit card. Mailed a check at the end of XXXX for {$150.00} ( to pay XXXX ), then I mailed a check at the end of XXXX for {$150.00} ( To Pay XXXX ). Never got a statement then on XX/XX/2021 I go to use my credit card and it was denied. I am like I have a XXXX limit and a XXXX  balance, this makes no sense. I go online and see my payments have not been applied and I hurry and pay electronically since the company never sent me a bill, never called me or notified me of any issue, I assumed everything was paid. When I talked to them on the phone to get my fee waived they said they would not waive it and they didn't even tell me it was 30 days past due, they just said they would not waive it. 

I get a notice that I have a late payment and I have not missed a card payment ever with them and I have two other cards with them. I feel this was a problem on their end that they never applied for my payments and never did statements. I was going to sign up for auto-payment but I decided to cancel two of their cards because of how rude and unhelpful they were.

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 2017-07-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt does not belong to me and after research I have found ( FCO ) Fair Collections and Outsourcing does not have License to collect in my state which is Florida

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 2017-09-28
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To whom it may concern : I have spoken with this company, Navient, and explained to them that this is a fraudulent account and that I have never opened or applied for a private student loan. I have requested documentation to support their claim and was denied that information. They are reporting on my credit report and refuse to do whats right and remove this fraudulent account. This has caused me an immense amount of stress and has prevented me from being able to make any major purchases. Please remove this fraudulent account immediately. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX, I received a notification from XXXX that Radius Global flagged my account for collections. 

I have an {$85.00} debt from this company on my report. I have never been written a letter informing me of this debt and the right to dispute. I do not know what this debt is for although it states XXXX. 

I am covered by the XXXX XXXX and was informed that there should be no collection of debt for consumers enrolled under the Affordable Care Act. My insurance information has been given to all healthcare providers that I see. 

I am demanding this attempt to collect a debt seize due to violation of my consumer rights to dispute a debt. This company failed to inform me of this debt before reporting to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was an independent consultant for XXXX XXXX XXXX from XX/XX/XXXX to XXXX XXXX, XXXX. When I started with them they claimed they were hypoallergenic, as well as lead and nickel free. I purchased over {$10000.00} worth of product only to find out it is loaded with toxic substances. Testing came back Monday, XXXX XXXX. Showing not only was the product full of lead and nickel, but toxic levels of cadmium, antimony, and arsenic. 

They misrepresented the products I was buying from them. I called my bank on XX/XX/XXXX and was advised I could go back one ( 1 ) year on my claims. So I disputed all transactions dating back one year from XX/XX/XXXX to XX/XX/XXXX. I offered all the supporting documents to show the product was misrepresented but they said it wasn't necessary. Fast forward to XX/XX/XXXX they deny my claim stating it was past their statute of limitations which in Arkansas is 2 years. All my claims have been denied regarding the charge backs and I want them appealed. 

The merchant [XX/XX/XXXX] is the one in question. These are lab certified results showing the proof. We have repeatedly asked for their lab testing results and have yet to receive a reply. I have also asked for a refund from them and haven't received a reply either. This is an illegal pyramid scheme very similar to 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 2021-06-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Problem with customer service

Complaint:
Paypal limited my account without no reason, and the big problem is all my work stopped now and i have any other money. 
This is my email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
{$860.00} has been paid to Carrington Mortgage LLC since they took over my mortgage from XXXX XXXX XXXX. They have taken more money than what is required for the monthly payments yet it does not reflect the payment amount made on Carrington 's website. The principal has increased on the house for no reason and when I asked XXXX XXXX for an inquiry, Carrington mortgage refused to comply with credit karma and the account of Carrington Mortgage was removed and they no longer report on my credit report. But what is the most concerning issue is the raising of the principal on house, it is not an accounting error, is it a deliberate act of hiding the payment, the amount and the transaction. <P/>I have records of every payment thru XXXX XXXX, please contact me or XXXX and I will release that information as necessary. <P/>Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
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: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXXXXXX XXXX XXXX XXXX XXXXXXXX remove late payments This 30 days late is not correct my account is current. I attempted to reach out to correct the issue and was told nothing that could be done to correct their error. I then reached out to all the credit agencies with no resolution. I am in the middle of buying a house and this error has caused personal damage. 


PLEASE REMOVE 3 LATES ON THIS ACCOUNT NOT ACCURATE

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 2017-09-28
Company: SYNCHRONY FINANCIAL
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 information incorrect

Complaint:
OPENED CARD I XXXX 2015 FOR FURNITURE. DID N'T GET FURNITURE FOR MONTHS. WHEN WE FINALLY GOT FURNITURE, IT WAS ALL BROKEN. DISPUTED CREDIT CARD AND WAS TOLD NO REPORTING DURNING DISPUTE. NOT ONLY DID THE HOME DESIGN COMPANY NOT STAND BEHIND US AS THE FURNITURE IS STILL NOT REPLACED OR REPAIRED. THEY REPORTED US 90 DAYS LATE. CREDIT REPORT SHOWS NO LATES EXCEPT A 90 DAY. YOU WOULD HAVE TO BE 30 THEN 60 THEN 90. WE WERE NEVER LATE AND FINALLY PAID CARD OFF. STILL HAVE BROKEN FURNITURE THAT WAS NOT REPLACED OR FIXED. HOME DESIGN COMPANY SHOULD HAVE STOOD BEHIND US. WE HAVE SENT LETTERS AND PICTURES AND THE NAME OF THE COMAPNY THAT CAME OUT 8  MONTHS AFTER WE GOT FURNITURE TO LOOK AT REPAIR. THEY STATED IT COULD NOT BE FIXED AND HAD TO BE REPLACED. FURNITURE STORE WILL NOT REPLY AND HOME DESIGN COMPANY WILL NOT HOLD BACK THE MONEY AS THEY SHOULD HAVE! 

STAY AWAY FROM ONE STOP BEDROOMS AND HOME DESIGN SYN FURNITURE CREDIT 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 monetary relief
Consumer complaint received 2020-04-23
Company: Aargon Agency, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX  stated to me to pay the balance of {$170.00} to XXXX in which i paid with no response proof provided as attach below

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 2017-07-09
Company: Experian Information Solutions 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:
There are 10 credit inquiries on my Experian credit report. I did NOT make these at all. I checked the report in the last 2 months and these " Hard Credit Inquiries '' were NOT there. Also a car dealer ran my credit 3 separate times and did Not inform me.

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