BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-21
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft and this what happened. On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times.

Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with RADIUS GLOBAL SOLUTIONS.

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 2022-07-22
Company: EQUIFAX, INC.
State: AZ
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 was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX EMPLOYER : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Name : XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Employer : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
CRA 's are required to verify the information with the furnisher, by employing " reasonable procedures to assure maximum possible accuracy of the information '' ( XXXX v. XXXX ) contained in the credit file, and they also must disclose that the account is disputed to avoid willful non-compliance with federal regulations. This has not been accomplished, and this account remains on my credit file, despite many inaccuracies, and lack of " ownership '' claimed by either XXXX or the debt purchaser, and despite fraudulent debt sale and collection practices employed by both XXXX and it 's debt purchaser. This account has been previously disputed through the CRA 's as unverified, inaccurate, and most likely fraudulent, yet mere " verification '' of the information already in dispute was offered by Experian, failing to satisfy the federal courts ' definition of a reasonable and meaningful reinvestigation. I 've disputed with XXXX numerous times, but they pointed me to the purchaser of the alleged debt, who had been PAID IN FULL for this unverified debt when moved to get a judgement and I gave in. 

Please also note that XXXX reported ( see Experian reports dated XXXX XXXX, XXXX, and XXXX XXXX, XXXX ), that the original amount of the debt was {$600.00}, yet also reported that it charged off {$1700.00}. XXXX then sold this fraudulent debt to XXXX XXXX XXXX XXXX, who collected over {$2000.00} from me to avoid a pending Judgement. Notably, the original amount of {$600.00} was subsequently removed from the Experian report, leaving only the charge off amount. 

To date, neither XXXX nor the purchaser of this alleged debt was able to verify that I incurred the debt, and both claim that they do not report or conduct any other collection activity on this account, why then is it on my Experian report? Further, though you we 're advised that it is inaccurate, you continue to publish and update, yet fail to delete? 

My experience with violations of debt collection practice by XXXX ... is apparently not unique : 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 2015-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Credit card
Issue: Other

Complaint:
I received a phone call advising that Portfolio Recovery was the XXXX party collector for XXXX which issued a credit card in the name of XXXX XXXX. I sent Portfolio Recovery a Cease and Desist Letter on XXXX/XXXX/15 and the US Postal Service showed it was received and signed for at XXXX on XXXX/XXXX/15. On XXXX/XXXX/15 I received a call from Portfolio Recovery. I attempted to explain the above and that Portfolio Recovery was violating the Fair Debt Collection Practices Act. I was met with a belligerant response that they did not have any such letter on file and there was heavy insinuation that I was lying. I attempted to give proof of the letter and their receipt and the employee was not interested in hearing any of it. I attempted many times to give the employee information that would prove the letter was sent and received including ; copies of the letter and a printed confirmation screen showing their receipt of the letter. During each of these attempts the employee stated, " you can keep repeating yourself and it wo n't matter. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In XXXX of this year, I discovered that my identity had been stolen. A credit card was opened in my name in 2017 and had been charged off. I notified all credit bureaus letting them know that my identity had been stolen and that the account was not mine. They refused to block the account and stated that the account had been verified by the creditor. 

I asked if they could provide proof of how they verified the account but the disregarded that claim and just stated that it was verified. Afterwards, I reached out directly to the creditor and notified them that I had been a victim of identity theft and that the card was opened in my name. Upon requesting that they provide me with a contract showing that the debt is mine, as well as showing what method they used to verify the debt, they ignored me and continue to state that the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: SECURITY CREDIT SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
A collector by the name of " XXXX XXXX '' has called my cell phone for the past four days, leaving a voicemail message each time. On the fourth day, he left XXXX voicemail messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: EQUIFAX, INC.
State: PR
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: Other problem getting your report or credit score

Complaint:
All my historical data was deleted from Equifax on XXXX XXXX this elimination reduces my score significantly and Equifax is unable to restore my data.... As of today, Equifax is reporting only 9 open accounts and they still missing 13 historical closed accounts ( including mortgage, auto, and personal loans ). The effect on " Vintage 3 '' ( the process to evaluate score ) reflects that due to a lack of history my score dropped over 23 points. affecting my opportunity to receive better rates and offers. 

XXXX Still reporting all my accounts ( open and closed ) with correct historical data. 

Every time that I call Equifax I receive the same answer that is " if they don't have data on the system they cant help .... 

Today 's customer service refers to an error of 14 different banks at the same time eliminating the data at once .... that does not make any sense at all. 

In addition, I notice Equifax is not following the document information retention policy, due to the elimination of loans with less than ten years of cancellation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Equifax wo n't investigate an account and summarily responds with verified even while the account keeps fraudulently changing to remain on my report. I have called and disputed this multiple times to no avail. When I ask why the date of first delinquency has changed so as to remain on my report longer Equifax just offers to re-investigate and then sends a letter with the same response that the information has been verified  ( no explanation as to how or what that means ). I  am providing copies of an old dispute response from Equifax highlighting previous information reported along with a copy of what is currently showing on my report marked in yellow to highlight the discrepancies and to showcase how Equifax is knowingly reporting false information. In my old report the full history of the account appears, along with a much earlier first date of delinquency. In my latest report, the account history has been deleted and multiple inaccuracies appear, not least of which is that the date of first delinquency has been reported as MUCH later. This has been changed in order to keep the account showing on my report. Equifax is clearly not complying with applicable fair credit reporting laws and I will be hiring an attorney as my financial well being is severely hampered by the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Credit card
Issue: Billing statement

Complaint:
I am getting double charged for the amounts of the purchases I make. On XXXX XXXX I was charged XXXX then the following few days I was charged {$17.00} again. Then I made nother purchase in the amount of XXXX and was charged the following day {$27.00} on my account. This resulted in my account being placed over the limit and me not being able to shop online. This is a terrible system. I called into Nordstrom to let them know. Everyone besides XXXX was non chalant about it and said its our system we cant do nothing about it. Thats not fair to people who want to shop and for use their credit card. Its just not right. It 's greedy, and unethical

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
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 is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$260.00}

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 2017-09-01
Company: Experian Information Solutions Inc.
State: GA
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:
Notified Experian regarding inaccurate information on 4 tradelines. The results that were sent to me showed no changes to any of the 4 tradelines. 

The letter was received by Experian on XX/XX/XXXX. I received their responses on XX/XX/XXXX.  This is the correspondence that shows no change to the inaccuracies that were pointed out.

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 2020-06-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had been sending half payments every two weeks {$320.00} and {$400.00} for about five months XXXX XX/XX/XXXX, XXXX XXXX  called and told us not to send anymore partial payment. From now on to send full payment and that she would be sending back the {$320.00} dollars .Never got the {$320.00} back .So I called in to make full payment .They said, this account was not taking payments and was locked .Soon after that I got a letter from a lawyer, that there going to foreclose on my hose. They said I would a mod. loan in thirty days, and a case manager would, never called. I called that day, they said he was not able to talk .They put another appointment for XX/XX/XXXX to talk to me. I think their just killing time, days. To make me fall farther behind on my mortgage. I called them, where is the money, I have sent, they said that the money was set on another account because it was not a full payment, now they say that I need to send them {$4400.00} before XX/XX/2020 and that would put me back on track. Then I could make my regular payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, and XXXX XXXX  XXXX Account 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 a account without my written instructions.

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 2020-06-16
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
For almost 7 months I have contacted American Express to fix an issue to where they are not applying for my payments according to the terms of the agreement. Every month they have stated that they would take care of the issue, however, they never have. This is not a new issue and they are not blind to the fact that it is happening unless it is willful blindness. I make more than the minimum payment every month but they do not break the payments up according to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchased an American Express Secure Pay Gift Card with a balance of {$500.00} initially. I used it only a couple times when I first purchased it and then did n't use it again until almost 2 months later. When I tried using the card it was declined as having insufficient funds even though I had only used {$100.00} so there should be {$400.00} remaining balance. After checking the transaction history online I noticed that within the span of 4 days someone had emptied the card at multiple locations ( XXXX, XXXX, XXXX, XXXX ). This happened even though I still had the physical card. I called American Express to report the fraudulent activity and try to receive a refund of my stolen balance. They told me that the card could only be used in person if the user had the original physical card. This is clearly not the case and either their database of giftcards was hacked at some point and they deny any responsibility or someone randomly created a duplicate of my card with the correct card number and security code ( not likely ). American Express would take no responsibility and told me to contact each retailer where the card was used and try and receive a refund from each of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a co-signer on a loan that is with Navient, formerly XXXX XXXX. When XXXX XXXX was in the picture, everything went very smoothly. When Navient took over is when all the trouble started. I have paid off many student loans in the past 20 years, never missed a payment and never had any problems. In XXXX I contacted Navient to get my payoff balance and the lady gave me my amount and said it would be good for 6 days. I immediately wrote my check for that amount and mailed it in. I track my accounts very closely so the amount I was given on the phone was what I was expecting. A week later, I got on line and checked my balance and to see if my check had processed. My check did process and was applied, but my balance was not XXXX, instead it was {$29000.00}. I immediately called them knowing this was just a clerical error and would be cleared up easily. I was told that it was my correct balance and that I now owed that much. Of course I was not going to leave this alone because I kept very accurate records. Very long story short, It is now XXXX, the problem is still not resolved. I have been passed back and forth between many of their departments with no clear answer as to why my balance is such. I 've been ignored when I try to press the issue and demand that someone research my account history. Once I was told that the change in my balance was done internally and I had no choice but to pay it. I challenged that statement and was passed back and forth between departments. The last contact I had with them was almost a year ago and I left a message for someone to call me back and I also sent an email to a contact I had there asking them to call me back. Til now I have not heard back. I am tired of trying to track someone down that will give me a real answer. Meanwhile, I know that I have paid this loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: MOHELA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I looked at my statement and noticed that the beginning balance is $ XXXX less than the current balance. I called MOHELA to find out why and they said it was due to my forbearances. After 30 minutes of math on the phone we found out that for each month 's forbearance, they are capitalizing 2 months of interest. Not good. This might be a broader problem than just a problem for me, but it is costing me $ XXXX because they are capitalizing double the interest on my account and the accounts of others.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card
Issue: Rewards

Complaint:
Applied and was approved for American Express Business Gold card with XXXX point sign up bonus after spending {$10000.00} on the card in the first 3 months. I was approved on XX/XX/2016 ; however, I did not receive the card until XX/XX/XXXX nd was not able to complete the minimum spending the 1 month ( instead of the allotted 3 ). I have requested multiple times ( at least 6 ) for a review, and was consistently told to wait for XXXX months for XXXX different " investigations '' totaling almost 6 months.

Company response to consumer: Closed with non-monetary relief