BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-15
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Radius Global Solution added a collection account to my credit report for {$740.00} on XX/XX/XXXX. They updated the account on XX/XX/XXXX. I have not been contacted in anyway about this debt and I do not believe this debt is valid. There is no information on my report about this debt other that the original creditor and the agency that bought the debt. It does not have any information that would tie the debt to my name.

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 2019-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
I was shocked when I reviewed my credit report and found late payment on the dates below : In XX/XX/2017 - 30 days late??? 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: ClearOne Advantage, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Company was deceptive in displaying their payment rate and falsely, on tape, claimed it was a rate forced on them. 

This is small, but a textbook violation of the TILA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 information that does not belong to me. I already filed a complaint to the creditors, law enforcement, ftc complaint # XXXX The following accounts need to be deleted immediately XXXX XXXX {$500.00} XXXX XX/XX/2018 XXXX {$2900.00} XX/XX/2018 -XXXX ( Any and all XXXX Accounts )

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 2022-08-26
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX  I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter dated XX/XX/XXXX from ProCollect stating that I owe them {$340.00}. When I called them to find out why, they stated that I owe money from damages related to my having moved out of my prior apartment. I told them that there were no damages, and I never received any notification or evidence of any damages being alleged by anyone until their letter. I left the apartment in the same condition I rented it minus normal wear and tear, so I owe nothing. I emailed them my dispute of the validity of the above-referenced debt on Tue, XX/XX/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 2019-04-30
Company: Experian Information Solutions Inc.
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:
XXXX XXXX XXXX company sent my debt to collection agency XXXX XXXX XXXX representing XXXX XXXX. On XX/XX/XXXX I paid a payment for {$150.00} on an arranged payment plan to resolve the debt that I owed to XXXX XXXX. I made another payment to XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX. Finally, I made a final payment on XX/XX/XXXX for {$690.00} to settle the debt in full ( {$1000.00} ) with XXXX XXXX XXXX for XXXX XXXX ; with the agreement that they report the balance as settled in full and balance reported as paid or XXXX to all 3 credit bureau 's. However ; XXXX XXXX refuses to report debt settled and as XXXX balance. XXXX XXXX stated on XX/XX/XXXX via phone that the debt was charged off and not resolved. I have disputed this with the credit bureau 's and they state XXXX XXXX reports the debt as 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 explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX has listed a car loan I had with them as charged off and I paid the full amount owed. The car was totaled and I had full coverage with gap insurance XXXX was my lender and my insurance company after my past husband totaled the car they said I still owed and I asked to make lower payments with them and they declined. I didnt make payments on the totaled car that they had possession of. I am on XXXX and they took every dime deposited from my account and took all my money deposited from my XXXX checks for months leaving me and my daughter homeless a few years back. 
I more than paid for the car I paid for extra insurance in case anything happened to the car I wouldnt be left owing if the car was totaled. 
They have been a monster of a company causing me much grief and steeling my money. They took a XXXX check they had cleared from my account sent it back to sender because I did not put my account number at the bottom of a deposited check the check was good and they never denied it being a good check I want the charge off off my credit report from them I have more than paid from being a XXXX victim of theirs

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Receivables Performance Management, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX,2017 I switched my mobile phone service from XXXX to their wholly owned subsidiary XXXX and thus began a nightmare of trying to deal with XXXX. 
Shortly after moving my account I received an email from XXXX acknowledging the move and stating I would owe them {$440.00} On XX/XX/XXXX. I assumed it was just an accounting error and thought nothing more of it but on XX/XX/XXXX, XXXX did, in fact, deduct that money from my account. I tried contacting their " customer service '' XXXX number but was told that I was no longer a XXXX customer so the charges must have come from XXXX. I explained that I was looking at my online bank account & it showed the money was paid to XXXX. I also communicated with the associate that I had never given XXXX permission to take money from my checking account so I questioned the legality of their doing so. 
I received a subsequent email from XXXX indicating I had paid the {$440.00} and would now owe {$42.00} on XX/XX/XXXX. I tried again to communicate with " customer service '' at XXXX. Nothing came of that attempt but further frustration except the associate removed the permission that was noted on my account that they could deduct payments from my checking account. 

Then I started getting notices that I was in arrears on the monthly payments and still no explanation as to what I would have an ongoing monthly obligation to a company I had ceased to do business with in XX/XX/XXXX. 

When, by their records, I had " missed '' three payments, I received a letter from XXXX XXXX XXXX stating they would be pursuing debt collection actions. That letter gave me the option of submitting a denial of the legitimacy of the debt. I provided them with all my documentation of attempt to dispute the account with XXXX 2 letters, copies of emails and a live chat with one of XXXX representative. On XX/XX/XXXX I received a letter from XXXX XXXX indicating the had received and reviewed my documentation and would arrange to cease their collection efforts. I assumed that would be the end of the matter. 

Then last week I received a letter from Receivables Performance Management , LLC stating they would be taking debt collection action on my account on behalf of XXXX. I have taken the time to provide them with my documentation as well. My concern, as you can imagine, is that if RPM, LLC agrees that I legitimately dispute these charges that XXXX will simply send the claim to another of what must be thousands of debt collection agencies in the USA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : 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 non-monetary relief
Consumer complaint received 2019-04-30
Company: Professional Service Bureau
State: MN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Professional Service Bureau has repeatedly called me for the last several months. They have been notified fro the Minnesota Attorney General Office not to contact me. 
I answered the phone to them today and told them to stop calling me and that they had been notified by the Attorney General Office to not contact me. The woman on the phone told me they had not been notified. 
They were notified last XX/XX/2018.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: Service Finance Holdings, LLC
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$81.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$84.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$0.00} {$87.00} {$25000.00} XXXX XX/XX/2018 XX/XX/2018 {$5.00} {$87.00} {$25000.00} XXXX Payments are supposed to be Interest only currently and they magically start varying even after a 31 day month. They are improperly calculating interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Commenity Bank called me a couple days ago, they told me that they were su eing me for theft of services, and that they could seize my XXXX, I tried to tell them that they ca n't touch it, but the guy kept insisting that they can.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax has deleted items from my report specifically XXXX XXXX XXXX on XX/XX/2019 and XX/XX/2019 and they suddenly reappear with inaccurate info including a charge off being OPEN with monthly payments how is that even possible? Another concern is that it was deleted and reinserted without being given written notice within 5 days of the reinsertion which by law must be followed. Ive called multiple times to address the issue its not right that they can do whatever they want with MY credit file. I know i may just be a dollar sign to them but Im actually a human being to someone else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 have 3 HARD INQUIRES REPORTING TO MY TRANSUNION CREDIT REPORT. PLEASE REMOVE THESE INQUIRIES. ATTACHED IS A BRIEF SUMMARY OF WHAT HAPPENED

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 2018-12-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
XX/XX/2018 XXXX XXXX has opened a PayPal account in my name using my social security number. BY LAW PayPal is to get in contact with me before checking my credit THEY FAILED TO DO SO. XXXX XXXX sent a pair of shoes to my mothers vacant house. My mother stated she shes was going to see if any mail came and she notice a box from XXXX XXXX with my name on it from PayPal. I live in XXXX not XXXX so i called PayPal and they said they did check my credit and didn't know????. my credit has a freeze on it and some how let it go though. XXXX XXXX has been after my credit for months i have all police reports and PayPal let it happen. Now they are not responding to 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
Consumer complaint received 2021-07-15
Company: Tiffany & Bosco, P.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
There are inquiries on my report from these companies that I do not recognize. I have made an attempt to contact the company to have it corrected and to prove that it was fraud without resolve. I have filed a formal police report in XXXX, AL. The case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : 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 non-monetary relief
Consumer complaint received 2022-01-15
Company: Social Finance, Inc.
State: MA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
Sofi sent me an email stating that if I opened a personal loan, they would give me {$590.00} bonus. I opened a loan for {$10000.00} but I never received the bonus. I reached out to Sofi regarding this, and it was suggested I file out a XXXX. I did this and then submitted an email to customer service informing them. I still have not received the bonus. Well, I appreciated the loan I could have received a cheaper rate at my credit union. I was also told that I could get a lower rate if i sign up for direct deposit. When i tried to do this my company portal said that the routing number is active, but no bank is linked to it. This brings up allot of red flags for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I contacted the CA and creditor this not my account. I never signed application. The card was open in XXXX which XXXX club was made aware about it. They called the number of XXXX which my credit was change and PIN numbers with credit agencies was stolen. XXXX XXXX XXXX is the person using my name which I told XXXX fraud department he open the account and other account in m name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: Social Finance, Inc.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am a graduate student at the University of XXXX in a dual degree program, pursuing an XXXX from the XXXX XXXX XXXX XXXX and an XXXX from the XXXX XXXX XXXX XXXX XXXX ( part of XXXX XXXX XXXX XXXX XXXX ). This is a three-year program ( it  saves a year as both programs are normally two-year programs ). The schools charge different tuition, so I am enrolled in XXXX for one year, XXXX for one year, and then in my final year I am enrolled for one semester in each school. I began my program in XX/XX/XXXX and will graduate in XX/XX/XXXX ( my unofficial transcript is attached ). 

I took out a loan with XXXX in XX/XX/XXXX and another in XX/XX/XXXX to pay for my first year of my program. 

On XX/XX/XXXX, XXXX ( servicer of my private loans with XXXX ) sent me a notice that I was in repayment. I sent a message asking why and received a response to send a in an in-school deferment request. I discovered that I need the University of XXXX registrar to certify the request and that my loans with two other servicers also had put me into repayment. 

I attempted to fix this with XXXX, but have not been able to solve the problem. 

I then attempted to call XXXX to work with the loan company directly. I called XXXX and the customer service representative was unable to find record of my account in the system. She did not provide me any details on how to find my account and only told me she could not discuss my account/help me until she found my account. This does not help me as she could not find me account and gave me no information on how to rectify the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent all three credit bureaus a certified letter, requesting this closed account from XXXX XXXX from XX/XX/14. To be deleted from my credit report. It has been well over 90 days and I have yet to get any correspondence from them at all. This violates the FCRA law that States the bureaus have a responsibility to respond to the consumer within a timely manner.

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