BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Radius Global Solutions LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Original letter XX/XX/XXXX from Radius Global Solutions LLC ( attached ) They state I owe XXXX XXXX XXXX {$1800.00} dating back to XX/XX/XXXX XX/XX/XXXX - I responded w/ a dispute letter ( attached ) Stating to see the original bill. 
There has been no contact from XXXX XXXX XXXX stating that I owe this amount. 
And I do not have any outstanding collections on any of the 3 credit bureaus. 

XX/XX/XXXX - They responded w/ another letter and a simple bill on XXXX XXXX XXXX letter head dated XX/XX/XXXX ( attached ) I think my identity has been compromised, this is the second collection agency that has appeared in the last few months. I will also follow with a second agency that sent a subpoena to my home stating I owe them $ under my maiden name that I have not used since married in XXXX. 

Thanks, 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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX ( Original Creditor : 01 XXXX  ) XXXX Balance : {$1100.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/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 2023-03-11
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXXXXXX 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 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 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 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

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 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/2020 ; XXXX XXXX XXXX Balance : {$0.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Because L J ROSS ASSOCIATES IN continues to report unverified, incorrect, and inaccurate information, this complaint is directed again at L J ROSS ASSOCIATES IN. I sent them a letter and called them even with respect to supposed obligation of the record reflected in my credit report wherein I was never told of this supposed obligation. This collection agency is violating the CFPB 's new Debt Collection Rule, which takes effect on XX/XX/2021, by reporting an unsubstantiated debt without providing proper notice prior to reporting. 

My privileges has been abused various times. According to 15 U.S.C. 1681, section 602 A, I have the right to privacy. Section 2 of 15 U.S.C. 1681, Section 604 A. It also says that a consumer reporting agency can't give me an account unless I tell them in writing.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: Bread Financial 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:
Someone opened a ulta  credit card on my account without my permission and they spent {$500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: Source Receivables Management LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was a victim of identity theft. USDOJ has already convicted XXXX persons for it. 
In late XXXX I received a collection notice for a XXXX XXXX and contested it. 
On XX/XX/XXXX I received a letter from XXXX confirming the account was deemed fraud. 
Today I received a collection notice from another agency, Source Receivables Management, for the same account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: Experian Information Solutions 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. The list of accounts below has violated my federally protected consumer right to privacy. 
XXXX ) Account name : XXXX # XXXX XXXX ) Account name : XXXX XXXX # XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX ) Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. XXXX section XXXX A. XXXX I have a right to privacy. 
XXXX XXXX. Section XXXX A. Section XXXX. It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX. c. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX make any consumer reporting containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report more than XXXX years. 
XXXX XXXX. XXXX ( A ) ( XXXX ) 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 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 2023-04-20
Company: Experian Information Solutions Inc.
State: OR
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 recently submitted a request to investigate an item on my credit report to one of my creditors. However, the creditor rejected my request on the grounds that it was initiated by a credit repair organization and deemed frivolous or irrelevant. It's important to note that under the Fair Credit Reporting Act ( FCRA ), rejecting a request solely on the basis of who initiated it is illegal, regardless of whether it was initiated by a credit repair organization or not. Furthermore, the use of templated letters for credit report disputes is a common and lawful practice. Additionally, I provided the creditor with adequate identification information. Any intentional delay in the investigation process is both illegal and unwarranted. I demand that the creditor comply with their legal obligation to promptly investigate the matter as requested.

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 2023-04-20
Company: Resurgent Capital Services L.P.
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I filed a complaint with cfpb on XXXX XXXX against the Resurgent capital services for reporting an account that did not have no identifiable identification to be attached to me, the company received my State issued picture ID showing my exact legal name, physical address, Date of Birth and social security which clearly did not match with the account holder that they are reporting it under my name, the Resurgent capital responded to my complaint by addressing my name correctly as XXXX XXXX but claiming me as the owner of the account that clearly on their 50 plus computer generated statement that they provided to CFPB that non of those page had nothing to identify me as the rightful owner of the account and therefore the company is not able to provide me a validation of this debt that can identify me as the account holder and by the law they failed to provide debt validation and have be removed. 
Please see the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2023 Kohls contacted me via telephone state I owed {$140.00}. Arrangements made to waive late fees if I paid the balance {$80.00} that would bring accout to zero balance. I paid using by debit card. XX/XX/XXXX I received a statement in the mail showing I owed {$72.00}. I called immediately and spoke with agent XXXX who reassured me that they would take care of it. On XXXX XXXX I received a phone call from Kohls stating that I now owed {$72.00} plus late fee of {$40.00}. I explained to the agent in detail the situation. I was placed on hold for over an hour. During that hour I would get a message stating to continue to hold and then I was able to left a message to unknow agent. I called back on XX/XX/XXXX and spoke to agent XXXX who once again stated this would be zeroed out. I receive calls at least three to five times a week. I just received another statement stating I owe late fees of {$41.00}. which a dollar is interest they are charging for the late fee. I would like to add they contact me demanding money prior to the due date on their statement. I have two of their agents ( unknown ) argue with me about what I owed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Date : XX/XX/2023 Amounts at issue : Approx {$1500.00} My daughter has 3 college loans financed through Citizen 's Bank. 
Serviced by XXXX I have been paying off the loans for XXXX years. 
I issue checks to XXXX with the loan # s on the checks. 
XXXX credits the entire check to XXXX loans -- beyond payments due -- and not to the XXXX loan which says there are overdue payments. 
Loans # s are : XXXX XXXX XXXX. All under : Account # : XXXX. 
Payments are credited to " XXXX '' and " XXXX '' but not to " XXXX '', which says payments due ( but unpaid ) on XXXX. XXXX. The other 2 loans say next payment is due in XXXX, rather than XXXX, because the money sent is not allocated to the 3rd loan. 
I can not tell whether I'm being charged extra interest or penalties ( or anything for that matter ) by reason of the misallocation but I assume I'm not being properly charged. 
Citizens and XXXX call every 2 or 3 weeks to ask for payment ( obviously, on loan # 3 ). I explain that they have payment, but that they are being misapplied. 
My name is not on the loans. So, they won't speak to me. However, despite their silence policy, they are happy to take my money ( for years ) and to mis-apply it. 
They have spoken to my spouse, and my daughter ( for whom the loans are issued ), and they have also explained the problem. 
I told Citizen 's Bank ( when they called me about 3 days ago ) that I would file a complaint, formally, and that I had discussed the problem multiple times -- and sent e-mails. 
I see that Citizen 's Bank was recently fined {$9.00} XXXX by the XXXX. For failing to properly process credit card disputes. My problem doesn't involve credit cards, but it involves disputes regarding student loans. 
My name is XXXX XXXX. Email is XXXX. Tel XXXX. I live in CT. Call / email anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-26
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems , Inc. is attempting to collect a medical bill that I paid months ago. I offered to forward them the receipt that was emailed to me when I paid the bill, but they said they wouldn't accept that and would only accept a fax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: Experian Information Solutions Inc.
State: MI
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:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2022-12-20
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 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 2023-05-24
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
In 2021 Ford advertised the XXXX  XXXX. Paid reservations had to be made in order for customers to purchase vehicle. 
I have waited now almost 2 years. Now that my reservation has become available for ordering, F

ord is delaying the ordering. There has been a request for dealership change but yet Ford will not change the dealership but has advised, " do not order vehicle until dealership is changed! '' There has been multiple attempts to communicate with Ford and have this issue rectified but still nothing.

I am excited to order and receive vehicle but this level of customer service is concerning!

It seems Ford used customers then have left them high and dry.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-17
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i, XXXX XXXX am a victim of identity theft. Carter young is attempting to collect a debt that doesn't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: ALLY FINANCIAL INC.
State: LA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Incomplete or Inaccurate Documentation : I have not received any documentation from the creditor regarding the repossession of the vehicle in question. I am unaware of any legal proceedings or written notices regarding this repossession. 
Violation of State Laws : As per my knowledge of the applicable state laws, the creditor must provide written notice of intent to repossess the vehicle, as well as an opportunity to cure the delinquency before the repossession occurs. I have not been provided with any such notice, and therefore, the repossession may be in violation of the law.

Lack of Opportunity to Reinstate the Loan : I was not given an opportunity to catch up on the delinquent payments or to reinstate the loan, which could have potentially avoided the repossession. 
I kindly request that you investigate this matter and provide me with a written response outlining the results of your investigation. If it is determined that the repossession entry is inaccurate, I expect it to be promptly removed from my credit report. As a result of this incorrect information, my creditworthiness has been unjustly affected, making it difficult for me to obtain credit and negatively impacting my financial well-being.

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 2023-07-20
Company: EQUIFAX, 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:
I have sent letters out via first class mail with tracking on XXXX and XXXX. According to the FCRA, the Companies are to update the status of my accounts as ( in dispute/ dispute in progress ). I have not heard anything from none of the bureaus ( EQUIFAX, XXXX, XXXX ). These Companies have failed to acknowledge my letters in which I have pointed out violations and innacuracies that MUST be deleted due to my federal rights under the FCRA. I have also verified my identity, proof of address and attatched a current utility bill to ALL letters. If these violated accounts are not removed according to the violation code included in each dispute letter, the bureau MUST provide physical evidence as to who, what, when, where and why they are Verified as CORRECT. 
according to 15 US code 1681b- permissible purposes of consumer reports, states that ONLY IN WHICH I GIVE WRITTEN PERMISSION/INSTRUCTION TO REPORT AN ACCOUNT ON MY CREDIT PROFILE, AND ONLY IF I PERMIT, THAT THESE ACCOUNTS WOULD FOLLOW FEDERAL GUIDLINES UNDER THE FCRA. These Companies have failed to comply to my request and if they do not respond in reasonable timing to my request, this WILL turn into a federal complaint, lawsuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I hand wrote on a credit report request form provided by AnnualFreeCreditReport.com Transunion is claiming they need address verification even though my address is hand written in the request form. Transunion is prolonging my right to my credit report. There is no reason they should need address verification if they are reporting it on their site and if they sent me mail in return at this address after my request.

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 2023-06-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can not access my credit report with experian. It's been over a year since my last credit report was pulled and I've sent in documents serval time to verify me but they haven't did it yet. I can not apply credits cards or loans that use experian they all come back can't verify 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