BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-30
Company: Kimball, Tirey & St. John LLP
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Back in 2013 my now ex-husband and I lived in an apartment, at which point we filed for a divorce. I had spoken with the rental agent about the remaining amount owed and she assured me that I was not responsible that my ex-husband agreed and put in writing that he would be solely responsible for paying the debt. I thought this was resolved but then at some point I noticed they placed it on my credit report. They never at any time reached out to me or sent notification that I owed this debt again prior to this I was told I did not owe them and not to worry about it. Once I realized this was reflected on my credit report I did contact them and they told me I would need to pay half. I was never informed until it was too late that anything was my responsibility with this debt. I don't think it's fair that they can tell me one thing and then do something else. At no point was I working and I should have only be listed as though I was a dependent since I did not bring income into the house at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Experian Information Solutions 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 information incorrect

Complaint:
I have a 30 day late payment.The payment was setup to auto payment.

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 2022-12-29
Company: RentDebt Automated Collections, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I began questioning this organization in XXXX of 2022 and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 2nd time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the creditor and they are unwilling to help me and remove the soft inquiries. They claimed that i applied for an XXXX XXXX credit card when I never have applied for one and have no interest in applying for one after this happened. Please remove these soft inquiries from my TransUnion credit report. They are listed below. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( 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 2018-11-30
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have recorded phone call with radius and I stated to them that this wasn't my debt and 3 other companies are trying to get the same amount and I received a letter from one that the debt from the XXXX original collector is paid XXXX balance. I asked Radius Global Solutions LLC, formely known as XXXX XXXX XXXX XXXX, employee to get me any documentation from XXXX and anything with my photo Id and signature, I was told they would submit a request and I haven't received anything yet as of XX/XX/2018 yesterday XX/XX/2018 Radius placed this same debt on my report but for a portion of the debt the original debt is close to XXXX dollars, including the amount of XXXX which they are trying to receive for a debt already closed and XXXX balanced out through originally debt collector XXXX. I want this removed immediately and I want them investigated. I have rights and I need to be protected from debt collector who just place anything they want on your credit to ruin your chances at a better life. This is a XXXX  account because it isnt my balance please remove and take action. 
debt they are trying to collect is XXXX, XXXX, XXXX, total : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: MicroBilt / PRBC (formerly CL Verify)
State: MD
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wasn't made aware that I could opt out.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
These soft inquiries need to be removed from my credit report as they are fraudulent. Already tried to fix it with the creditor and they are unwilling to help me and remove the soft inquiries. They claimed that i applied for an XXXX XXXX credit card when I never have applied for one and have no interest in applying for one after this happened. Please remove these soft inquiries from my TransUnion credit report. They are listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Requested On XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022 Phone ( 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 2022-09-30
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: Their investigation did not fix an error on your report

Complaint:
I called Equifax to have the information they are reporting removed from my report that they were sharing. I also sent 2 letters to Equifax stating that this information should be removed and that the finding of their investigation was not verified. They have refused to comply with the rights that I have as a consumer. The investigation says that XXXX XXXX verified this information. However, XXXX XXXX sent a letter stating that they had removed the information and that Equifax knew and still refused to remove it. The information they are sharing has impacted and continues to impact my reputation and standard of living. Equifax continues violate a number of my rights under 15 USC 1681 even after the source they used removed the information. I have attached the letter showing this information.

According to : 15 U.S.C 1681 A. States I have the right to privacy.

According to : 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 According to : 15 U.S.C 1681s-2 ( A ) ( 1 ) 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX and XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. 
This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again. 
Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Date : XX/XX/2015 Amount : {$1700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TRANS UNION DID NOT ADDRESS THE ORIGINAL COMPLAINT AND COMPLETELY IGNORED MY REQUEST TO REMOVE THE XXXX XXXX ACCOUNT FROM MY CREDIT REPORT ; TRANS UNION HAS NOT PROVIDED ME WITH THE DOCUMENTATION FROM THE ORIGINAL CREDITOR AND HAS NOT PROVIDED ME WITH ANY PROOF OF THE ACCOUNT BEING A CHARGE OFF. i HAVE NOT RECEIVED ANY PROOF OF SAME. I AM ENTITLED TO SEE THE DOCUMENTS AND I NEED THIS ACCOUNT REMOVED IMMEDIATELY,

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 2018-11-30
Company: PNC Bank N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My first call to them was on XX/XX/XXXX about where my bonus was from opening the checking account with them. The nice lady told me that I met all the guidelines for getting the bonus and I should have the bonus at the end of XXXX when my 3rd statement comes in. She told me that if I dont get it by the end of XXXX to call back. 
I called back on XX/XX/XXXX and let the rep know that I still have not received by bonus for opening the checking account. 
She kept me on hold while she did her research. Comes back to give me some canned response saying they have to research and it can take up to 30-60 days to conduct the investigation! 
It is now the XXXX. No bonus that was promised and no call or anything from PNC. 
They need to give me my bonus for opening the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal, allowed 5 different companies over three months ( plus but I only have documentation of these ) to charge me twice for goods or services totaling XXXX and when I called to ask them to locate and refund my money they put me on hold for 2 hours. They also allowed companies to send me damaged goods and keep my money, so much for their consumer protection, which is a lie so its fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2018 and XX/XX/2018 I sent two certified notarized letters via USPS to Equifax ( Tracking # XXXX XXXX XXXX XXXX and Tracking # XXXX XXXX XXXX XXXX XXXX ). The first letter demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. 

XXXX XXXX Acct # : XXXX XXXX XXXX Acct # : XXXX Equifax has failed to provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA Equifax is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand the following accounts be verified or deleted immediately. 

The second notarized letter request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 25 credit inquiries that I did not authorize. 

I am writing to dispute the following inquiries and asking for their removal from my credit report. 

All certified correspondence sent to Equifax will be used in court to seek monetary award for damages to my personal credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
XXXX XXXX contacted my family member XX/XX/XXXX between XXXX and XXXX eastern standard time and disclosed my personal information as well as my balance that was owed to them, they also informed this relative as to how many months I was behind with my payment. The representative that contacted my relative was a Mrs. XXXX XXXX ID XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-29
Company: EQUIFAX, INC.
State: NC
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Upstart Holdings, Inc.
State: ID
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
On XX/XX/2022 I offered a 2nd loan with upstart and I accepted the offer just to be denied for lack of on time payments and outstanding balances. This was an incorrect denial due to all my payments being on time and reporting that way and I did not have an outstanding balance because at the time I had made a payment earlier that day. 

I felt as If they engaged in predatory lending which was abusive by offering me more credit just to wrongly decline their offer and they stated due to policy they can not overturn their decision or even take a second look, even though their payment operations center confirmed I had met the criteria they used for the decline. 

I spoke with XXXX a general support supervisor who didnt offer any option to revisit the application and just stated its company policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: NAVY FEDERAL CREDIT UNION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On or aboutXX/XX/XXXX I open a bill consolidation loan with Navy Federal Credit Union loan number XXXX : I have refinance this loan on or aboutXX/XX/XXXX I consolidated 4 loans 3 auto loans as well as a charge off account of {$10000.00} credit card debt : Which has been charge off for over 1 or 2 yrs  ago. with interest and fees from the charge off credit card debt : On or about XX/XX/XXXX I received a redress payment for only 2 out of 3 loans for about {$1500.00} from a settlement between Navy Federal and Consumer Financial Protection Bureau for bad collection practices I guess : " Complaint '' My bill consolidation loan is due on the 12th of every month and since I have not made the payment for XXXX as of yet : Navy Federal Credit Union has been taking money from my saving account and checking account and applying it to my current loan : I am only 2 weeks behind on my current loan and Navy Federal is transferring small amounts of my money from my saving account to my loan : On XX/XX/XXXX {$38.00} was transfer from my checking account to my current loan without my consent : On XX/XX/XXXX {$18.00} was transfer from my saving account to my current loan without my consent : This has been going on for a few months now : I only discover the theft today on XX/XX/XXXX : I was not aware or was not notify that fees or collection fees would be transfer from my saving/checking account without my permission : To be apply to a current loan : My current loan is not 30 days past due or 60 days past due and has already been charge fees : I pray for CFPB help and relief one more time in this matter : Thank You

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Manhattan Beach Venture, LLC
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: Old information reappears or never goes away

Complaint:
XXXX Open Back XX/XX/2008 Close and pay To old to be on my credit report

Company response to consumer: Untimely response
Consumer complaint received 2022-08-24
Company: GLOBAL PAYMENTS DIRECT INC.
State: MI
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: Received unwanted marketing or advertising

Complaint:
Global Payment Check Services calls me multiple times a day, from a variety of phone numbers, leaving a message for " XXXX XXXX '' or something that sounds like that name. The messages indicate that it is regarding " your global payment services '' account. 

I am not XXXX, I don't know anyone named XXXX, and I won't answer these suspicious calls, only giving them validation that a real person owns this number.

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 2017-08-13
Company: Exeter Finance Corp.
State: NC
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 been trying to get this Hard inquiry off my credit for several months now. I have notified all 3 Credit Bureaus to get Validation of my signature asking this lender for credit. They keep responding with it is verified, but I do not know nothing about this company and has asked it be removed several times.

Company response to consumer: Closed with explanation