BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-24
Company: Radius Global Solutions LLC
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:
Today I checked my credit report and discovered this company has placed this collection item on my credit report. I did not receive notice from them and my rights were violated

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 2019-02-11
Company: Westlake Services, LLC
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Westlake financial services llc wrongful repossessions, refused to validate dept, harassing collections, false credit filling, refused personal property, breach of peace,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-20
Company: Commonwealth Financial Systems, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX XXXX has reported to my credit an outstanding debt of XXXX dollars, this is not a debt i owe nor do i have any contracts with this entity stating i owe or agreed to pay, the entity now has reported negatively to my credit which they have no legal right to do. it was last reported to my credit on XX/XX/2018 and has also had my federal tax refund offset by XXXX dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Marlette Funding, LLC
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Subject : Follow-Up Consumer Opt-Out Dispute - Urgent Action Required- BEST EGG Personal Loan ACCOUNT NUMBER XXXX OPT-OUT MAIL TRACKING NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau , I am writing to follow up on a letter dated XX/XX/2023, in which I formally opted out of any and all authorizations, whether written or unwritten, verbal or non-verbal, that I may have given to BEST EGG. This request is made in accordance with my rights as a Federally protected consumer under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 

Regrettably, BEST EGG has chosen to ignore my initial opt-out letter entirely, and my consumer information continues to be furnished without my consent. This persistent violation of my rights under the FCRA is unacceptable. 

I am now submitting a formal dispute with the following requests : 1. **Immediate Removal of Furnished Information : ** I request that [ XXXX XXXX ] takes immediate action to remove any and all information pertaining to my consumer report. This is in line with my explicit opt-out directive, which covers both written and unwritten, verbal and non-verbal authorizations, as per 15 U.S. Code 6802. 

2. **Compensatory Damages : ** In the event that BEST EGG willfully continues non-compliance with 15 U.S. Code 6802 by failing to honor my opt-out request, I reserve the right to seek compensatory damages. I request that BEST EGG pays a minimum of {$1000.00} for every offense of willful non-compliance. 

This dispute is filed with the expectation that the Consumer Financial Protection Bureau will investigate this matter promptly and take appropriate action to ensure BEST EGG complies with federal regulations. 

I appreciate your immediate attention to this matter and request confirmation of receipt of this dispute. I trust that the Consumer Financial Protection Bureau will take swift action to rectify this situation and enforce the necessary corrections. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
After Filing multiple Covid Hardship wavers. I had to surrender the XXXX XXXX XXXX to XXXX XXXX in XXXX. XX/XX/XXXX. Chrysler Capital refused to honor both the warranty, repair, and shotty workmanship on a car held together with plastic. 

Every month since XXXX had threatened to repo the car. Dealing with XXXX XXXX and XXXX corporate. Whom both laughed when I called from the side of the road broken down with my XX/XX/XXXX XX/XX/XXXX from the accident. 

a year and a half recovery on my arm, trying to save up over {$1500.00} in repair costs that were covered under warranty. and trying to pay the ridiculous car note XXXX refused to work with. as well as threatening and Defrauding XXXX Vets during a pandemic is a serious deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: Klarna AB
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a letter from Klarna that was dated XX/XX/2023 stating that I had until XX/XX/2023 to pay a debt owed or I would be sent to collections. I did receive the letter until XX/XX/2023. My account had already been sent to collections before I was aware of the potential for that and/or able to resolve it prior to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
I have an Equifax account and all of a sudden I had a Fraud Alert as one Co. alerted me when they try to check my credit report, they could not. That Co. was a landlord in a place I trying to move in. So that was ok, but what happened with the Fraud Alert? I did not initiated. On their website the member can initiate a Fraud Alert him/her self. But there is no way for the member to remove it. Can NOT remove it? ( why? ) I had a dispute in XXXX, but that was resolved and case was closed. 
Than I had to call Equifax. Finally after several persons and several hours, the person tells me that he can remove it but I need to Fax over a copy of my Driver License and my Social Security card also one copy of a utility bill. 
Because I'm in a desperate situation to move into my new home I did Fax to the number were given to me by Equifax person. 
1- If the member can initiate an Fraud Alarm, how come we can not remove it. ( Their answer was : Security reason ) That I think is a bit overstatement for this isssue. 
2 - They should not ask for any copies of documents like Social Security Card or Driver Licence over Fax. ( Where is the security here? ) Also when we call they asking for Social Security number on the phone. ( where is security here? )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 XXXX, with original XXXX XXXX  for XXXX is still showing on my credit report, when I have consistently reported information incorrect, and due to possible fraud. It needs to be removed immediately, otherwise I will take legal action. 

The credit bureaus continue to disregard the law. I showed them multiple times how they are violating the Fair Credit Reporting Act.

According t

o 15 USC 1681i ( 5 ) the credit bureaus are required to modify or delete accounts that are not reporting accurate information. According to 15 USC 1681b ( 1 ) the credit bureaus do not have written permission.
According to 15 USC 1681 I have the right to privacy. 

According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after confirmation of errors. 
A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact accurate. 

The credit bureau has no respect for laws, and I expect them to be held accountable.

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 2020-12-01
Company: National Credit Adjusters, LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Credit Adjusters ( NCA ) sent an email to advise that I have a debt with them of a principal amount of {$400.00} which is now {$1200.00} and if I don't contact them in two days the debt is going to go up to {$8400.00} ( attached email ). They did not provide any phone number to call and believe the company is engaging in unfair and deceptive acts and practices in the collection. They have also reported this to the credit bureau. 
NCA is in direct violation of the Fair Debt Collection Practices Act ( FDCPA ) and is engaging in the unfair and deceptive acts and practices in violation of sections 807, 807 ( 2 ) ( A ), 807 ( 4-5 ), 807 ( 7 ), 807 ( 10 ), and 808 ( 1 ) of the Fair Debt Collection Practices Act, 15 U.S.C. 1692e, 1692f. NCA has misrepresented by inflating the amount actually owed on the account they say I owe. I do not have an account number of the debt they are alleging I owe nor have they provided any call back number. NCA has threatened me with legal actions including lawsuits, visits from process servers, and arrest when NCA does not have the legal authority to take those actions.. NCA 's claims are false and misleading, and thus NCA is committing deceptive acts and practices in violation of section 807 of the FDCPA, 15 U.S.C. 1692e, ( 2 ) ( A ), ( 4-5 ), ( 7 ), and ( 10 ) Unfair Acts and Practices in Violation of the FDCPA Inflation of Account Amount! NCA is engaging in unfair or unconscionable means to collect on debt in violation of section 808 ( 1 ) of the FDCPA, 15 U.S.C. 1692f ( 1 ).

Deceptive and Unfair Collection Activities under the CFPA. 
NCA has previously engaged in unfair and deceptive acts and practices as shown in Administrative proceedings File # XXXX, Consent Order on violations, and is in complete disregard of Consent Order stipulations signed XXXX of XXXX 2018, which is still in effect ( 5 years ) and enforceable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
I filed a dispute with Experian about removing an account from XXXX and asking them to explain how they came to the conclusion that this invalid account is accurate. Their response to me was that this account was updated. The response which came to me on XX/XX/2020 did not state the method of verification they used to verify this account. I have the right to know this information and it is illegal for them to withhold this information from 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 2018-03-03
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: Account information incorrect

Complaint:
I am not aware of this debt. 
I have no knowledg of this debt. 
I called and I was told that the date listed is incorrect. XX/XX/XXXX is the correct date and that means this debt should not be on my credit report as of the end of this month ( XX/XX/XXXX ) Date is incorrect as well as debt is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
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: Information belongs to someone else

Complaint:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than - business days after the date of receipt It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items as soon as possible! 

These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
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:
I contacted the bureaus several times to correct this identity theft /IDENTIFY THEFT REPORT ATTACHED Fraud credit accounts XXXX  XXXX  Dept of education XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Fraud inquiries T-XXXX  XXXX  XXXX XXXX  on the 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 2020-11-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/20 i found out that i was a victim of identity theft. i have sent my request to have this account from navient removed as it does not pertain to me. i have never attended this school nor have i ever applied for this loan. i have contact navient and all the three major credit bureaus in regards to this fraudulent account i have submitted all supporting documents myself. i have also sent my personal information to verify its me sending the documents and not a credit repair shop.

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these inquiries, and I strongly suspect them to be fraudulent. I am formally requesting that you undertake a thorough investigation and take necessary measures to remove them from my credit report. I have enclosed the required documents as evidence supporting my claim.

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 2021-08-24
Company: Kriya Capital, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I get numerous calls a day, it disconnects everytime, so I called and it says they are Credence recovery or something. They ask my address and social security number, I would not tell. I asked them to stop calling this number. And they have been a nascent to me by calling so many times. 
They last called from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Credit bureau Trans Union has been reporting a 30 day late on my report XX/XX/2020. I've disputed 6 times and provided them a letter from XXXX XXXX explaining and showing I was not late. Trans Union has removed it 4 times however, they continue to reported again and again. This has gone on for 12mo and has stopped me from refinancing a property with an interest rate of 12 % costing me a lot of money.

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 2018-08-27
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
on XXXX I had a check presented for {$500.00} as pending. I deposited a check the same day to cover. Credits are supposed to post before debits. My deposit cleared the next day and the check was paid and I was CHARGED a UNCOLLECTED FEE. at XXXX my full check was available, I don't understand how I could have been uncollected?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Ralis Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In late XX/XX/2020 I contacted Owning Corporation to inquire about refinancing my home. They were advertising a 1.75 15-year rate that I was interesting in. After agreeing to move forward based on the information XXXX XXXX XXXX Owning ) provided I was told by XXXX that some rules would change on XX/XX/XXXX and they needed to charge me more money than originally quoted. After talking to XXXX and thinking about it, I emailed XXXX on XX/XX/2020 stating " Regardless of why the terms are different from what we discussed over the phone and you reviewed with me, I'm not comfortable moving forward. Please cancel my refinance with Owning. I will let the appraiser know so there isn't a charge for his services at your end. " XXXX emailed back on XX/XX/2020, at XXXX XXXX, XXXX XXXX XXXX wrote : > I will cancel it immediately. 

In late XXXX I received a phone call from XXXX asking me if I had 5 minutes to review my application and go over some questions. I told him I decided not to move forward with the refinance and he said, " you're right, I called the wrong person. ". Then, on XX/XX/XXXX I received a large packet in the mail from Owning Corporation addressed to XXXX XXXX at my home address. The first page of the packet has my name, XXXX XXXX 's name and my address listed on a document as if we were co-signers of a mortgage. 

To be clear, I do not know anyone named XXXX XXXX and a XXXX XXXX does not live at this address. I called XXXX XXXX and he said " Oh, there was a mix up with names, address and files. By law, I had to mail that document to you since it was produced but it has been cancelled. '' I am concerned that either Owning or XXXX XXXX is trying to take out a mortgage with my address and/or credit. This is fraudulent activity if that is the case and I do not authorize Owning to run my credit, start a mortgage application or produce mortgage documents with my name and personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: U.S. BANCORP
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My credit card was compromised and fraudulent charges were made. I thought the account was closed but apparently not. I am not denying that the account was opened by me but the debt/charges that remain on there are due to fraudulent activity/identity theft.

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 2023-04-02
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21
Company: Experian Information Solutions Inc.
State: NV
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:
I am writing to express my ongoing concern regarding the persistent inaccuracies in the late payment accounts on my credit report. Despite previous attempts to rectify the situation, the inaccurate information continues to reflect, indicating a lack of investigation and resolution. 
XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
It is disheartening to see that despite my previous attempts to escalate and rectify this issue, there has been no visible effort to address the ongoing inaccuracies. I am sure you can appreciate the impact such inaccuracies can have on my creditworthiness and financial standing.

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