BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: OH
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 just pulled my report and saw a lot of errors. I saw some inquiries in my account that are not allowed under FCRA guidelines. I have tried contacting the bureau for validation but they chose to ignore my demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First of all, let me mention that this debt is not XXXX that I owe. 

This is XXXX XXXX out of I 'm sure many ) collection agencies that use false numbers to call people. They will also call your family members using fake numbers. There were some days in which I received up to XXXX fake phone numbers. 

After this company put a mark on my credit report ( though I had no idea I even owed any debts -- because I do n't ), I was telling them " I do not answer numbers I do n't know, because I 've been getting a ton of XXXX calls from numbers that look a lot like mine. '' She was very silent on the phone for a while and then says " yes, we understand. They sometimes call pretending to be our number, too. '' I found that odd, because these calls never pretended to be a toll free number. XXXX of them were foolish enough to forget to hang-up and the background noise sounded similar to that of the background noise of the debt collector. 

Anyway, so I deal with this debt collector and would n't you know it -- the spam calls stop. They stop coming to me and my family members.I do n't think this is a coincidence in the least.

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 2019-11-20
Company: CAVALRY INVESTMENTS, LLC
State: NY
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:
On XX/XX/XXXX, Cavalry Portfolio Services sent a letter claiming that I owe a debt of {$3400.00} from XXXX. I never had a XXXX XXXX  account or card so this debt is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-19
Company: Army and Air Force Exchange Service
State: TX
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 have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.

Despite three previous written requests, the unverified item listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct.

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item are being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ).

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXXXXXX Date Opened : XX/XX/2021 Balance : {$390.00}.

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 2021-07-22
Company: Security Credit Services, LLC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As a third-party intervener this company has negatively impacted me as a consumer. Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that they claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. they have taken an unfair advantage of me as a consumer, and they should be held accountable for deceiving me and not validating the debt. They have not validated anything ; they have ruined my character and general reputation by reporting erroneous information on my consumer report and included a symbol on the contents of the envelope for the mail courier or any person affiliated with the postal service or comes in contact with the envelope that alleges I owe a debt. Theyve act as if they are unaware of what I am requesting or that the law does not apply to them and I've included evidence and proof, pursuant to federal law with facts that prove that the law does apply to them and that they must adhere to them. They have not provided me with any original documents, and they have disregarded the law by saying, they do not have to provide me with anything except billing statements or applications, which is not proof of validation or proof that I owe anything. They are also claiming that they must report information to the credit bureaus, however cfpb handbook 3.1.1 furnishers incentives and decentives states- reporting to credit bureaus and other consumer agencies by creditors is voluntary and historically has been. Furnishers have multiple incentives to contribute data to NCRA one of which is for borrowers to make timely repayments. Their willful non-compliance has damaged my reputation as well as my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Banks accounts opened at XXXX XXXX XXXX, XXXX XXXX, XXXX and XXXX were opened or attempted to be open. TD bank was successful they added a account under my name. Transferred monies from my main bank account in a different location Fraud did not catch it in time. Also my mail was forwarded for 5 times now to another location unknown to me, and in turn many of my checks were returned to sender. <P/>I do n't have that info anymore as the account is closed tied to the frauded acount. I need help in finding who is doing this and why.Local Police were alerted and case numbers for both are : XXXX XXXX Contact XXXX NJ Police Department at XXXX for all paperwork. I will also forward anything i have. Posted on XXXX and XXXX today too.Targeting me because I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX will not get you anywhere just fuel my case even more. United states Postal service you forwarded my mail 5 times now with held my mail and sent it back many times after i ask you for an exclusion which means unless i directly come in there with ID, social security and birth certificate and my signature you are not allowed to accept any forwarding of my mailing address to anywhere. You however vilolated my rights as a US citizen and not protecting us will be entered in a lawsuit. I hope you all see how well you think your protected but really not. I also hope none of you go through this. If I have to pay for a P.O. Box you will be forwarded your own bill. I am not going away and refuse to be treated in this way. I want all to see this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: LD Holdings Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started a refinance application with Loan Depot nearly 6 months ago and the loan still has not closed. My income and DTI to cover this mortgage is at least 5:1 minimum and my credit score is well above average. I've given them everything they have asked for in a timely manner, and they have made numerous errors at nearly every step. They have tried to look for multiple ways to deny my loan, but every time I give them the information they needed, they come up with another excuse. They have admitted to mistakes and promised to close on this loan for past two months, but this is outrageous. I highly suspect some form of discrimination, because two people I personally know closed on loans within 30-45 days of submitting information. I know I have higher income/reserves/credit than any of these people so something is highly suspicious. I would like this matter looked into ASAP. Documentation you need I'll be happy to provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-07
Company: AMERICAN EXPRESS COMPANY
State: TX
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:
It seems that American express has difficult time getting new customers or retaining old customers that's why they are making it really complex credit card closing terms and conditions. I had a Blue cash prefferred card opened during XX/XX/XXXX. Today when i called to cancel it, I spoke to XXXX ( XXXX XX/XX/XXXX at XXXX XXXX  central time ) who told me that if i cancel it before 12 months, I will be asked to return back {$300.00} that American express gave me as part of statement credit. I told that i earned that NOT American express just gave it to me. 
She told me that it was mentioned in the card member agreement. When i asked her to send it to me by email, she said that it will sent by paper mail. 

When i requested to make a note in her file and cancel my card on XXXX XXXX XXXX she said that she can't schedule it and i need to call again.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: TX
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:
Someone has taken complete control of my identity. I have been getting notifications that the same companies keep sending the credit bureaus request for my credit report. I have not applied to any of the companies that is on this report and not sure who has my information or how they got it. I have been calling the credit bureaus explaining this but as of today they have not been any help. Please Please Please help me take my life back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: CITIBANK, N.A.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A charge of {$130.00} was made on my XXXX XXXX credit card which I did n't recognized.. I called on XX/XX/XXXX to file a dispute, which they did, they put a comment about my account being in dispute on my credit report which knocked off 7 point from my credit score and I got an email confirmation. On XX/XX/XXXX, I called to find out the status of the dispute, reminding them of Reg E compliance which they have 60days to resolve a dispute, though no provisional credit was issued to me. They said they were still working on it. 
On XX/XX/XXXX, my billing cycle closes and I see {$130.00} statement balance on my account and {$27.00} minutes minimum payment due on XX/XX/XXXX. I called XXXX to remind them that I am not required to make any payment on a disputed amount and if they 'd concluded their investigation, I was supposed to receive a letter explaining how and why the charge was a valid transaction. They agent said the last note stated that my account was handled by fraud department and he 'd have to transfer my call. He got fraud and they claimed I 'd have to report my card lost/stolen so they 'd close the account and receive a new card. I was flabbergasted by his remarks and I told him I would do no such thing, that was lying. My card is n't lost/stolen and why no one told me from the get go that it would have to be handled by fraud department. An agent filed a dispute case when I called on XX/XX/XXXX and added a comment to my credit report and they were just now telling me it had to be handled by fraud department. I insisted that I would not lie about my card being lost/stolen and I wanted that statement balance removed because I was n't obliged to make payments on a disputed transaction, he got very angry and was extremely rude. He put me on mute/hold and then hung up on me. 
XX/XX/XXXX will be 60days from the day the dispute was initiated and XXXX is trying to cover up, knowing fully well that this would be a Reg E violation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 had a discharged bankruptcy in 2008. It is nearing 10 years, and I was told by an attorney to ask for this bk to be removed from all credit bureaus. Some of the bankruptcies are supposed to drop off between 7-10 years. I have submitted a request for removal before on at least one credit bureaus. The other one ( I think XXXX ) requires a 10 digit code from the item listed on the report. That 10 digit code does not exist on the page I was to look it up on. I was unable to create a dispute or a request for that bankruptcy to be removed since I 'm past 8 years and so close to 10 years.

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 2022-05-02
Company: AMERICAN HONDA FINANCE CORP
State: NJ
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:
Acura Financial Services ( Acura hereafter ) placed calls to consumer in a debt collection role with the intent to harrass, abuse and annoy in violation of 15 USC 1692d. These calls also include language of an obscene nature ( screaming at consumer ) and calls from individuals who refuse to meaningfully disclosure their identity. Acura placed calls on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX - a total of 4 calls. These calls contain threatening language including yelling/screaming at consumer, in addition to false statements- specifically that Acura owns the property known as XXXX Acura XXXX. Each call itself, is a violation of 15 USC 1692d at large, consituting 4 federal law violations. The content of each call includes further violations of the law, specifically : 15 USC 1692d ( 1 ), ( 2 ), ( 3 ), ( 5 ) and ( 6 ). The consumer has attached 2 audio recordings from XX/XX/XXXX which verify threatening call which includes false statements and proof of refusal of caller to meanigfully disclose identity. ( other evidence can not be submitted due to sensitive personal information )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX I changed address and I called kohls to update my address and was told it was updated.During the month of XX/XX/2021 i received a late fee which I was not aware of until I was contacted in XXXX because I was never sent a bill.I was able to speak to representative that waived the late payment fees and I immediately paid my balance in full.I then requested that the negative credit information be removed from my credit files for the XX/XX/2021 payment period. I was told it would be removed that was more than thirty days ago and it never got removed. I then proceeded to call back several times to try and get a letter stating that it would be removed from my credit file. I was told it wasnt possible to get a letter from kohls of that matter and that I would have to contact corporate .I Then called and contacted corporate and they say they would send the letter and clear the month of XXXX. I received a letter that was not what I had asked for therefore i called again and was told I would get another letter this time the correct one and once I received it it was also not what I needed. I am now still waiting for my credit file to be cleared and am being told there is nothing they can do about it. In all the years I have had my Kohls account I have never had such ahorrible customer service experience for something that was not my fault to being with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This account is inaccurate and an FCRA violation. XXXX XXXX XXXX # XXXX According to FCRA 611 ( 15 U.S.C. 1681I ) ( i ) Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please remove this inaccurate account from my credit report.

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 2022-01-10
Company: Experian Information Solutions Inc.
State: TX
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 was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. I gave no consent for your company to furnish any hard inquirys on my consumer report. 


This has caused me defamation of character, severe hardships, XXXX, XXXX XXXXXXXX XXXX XXXX, loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
There is an authorized user account being reported on my credit report that is not accurate. I am not an authorized user on the following account : Creditor : XXXX XXXX ; Date Opened : XX/XX/2020 ; Balance Due {$350.00}.

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 2022-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
The following credit inquiries on my TRANSUNION credit report are unauthorized. According to the FCRA all unauthorized records should be deleted from my credit profile immediately. I have made a report with the FTC ; FTC Report Number XXXX The credit bureau have refused to delete these inquiries when I reached out to them and requested such. Here are the unauthorized inquiries : 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 XXXXXX/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