vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
I have requested the following items from Radius Global Solutions twice in the past two months and all I have received is the billing statements which is not what I requested.

1. The Purchase Agreement that Radius Global Solutions has with the alleged original creditors.

2. The full contract agreement I allegedly signed with my full wet verifiable physical signature from said original creditors.

3. Documentation demonstrating how Radius Global Solutions acquired the debts, how much it was purchased in a dollar amount by Radius Global Solutions, and how they accessed my personal information including emailing me which I never contacted them ever through email or any other means of communication.

4. The agreement and contract with Radius Global Solutions with my full wet verifiable physical signature stating that I owed a debt to their company and allegedly agreed to pay it.

5. The business license for Radius Global Solutions to collect on alleged debts in the state of Texas.

6. Copy of the chain of custody to collect the alleged debt from original creditors to Radius Global Solutions.

None of these things were sent and they clearly can not verify any of these I am requesting the alleged debts, along with my personal information, be removed from their systems and erased from my credit report.

Radius Global Solutions also emailed me without my knowledge or consent on 1.31.2024 about this alleged debt which is a violation of the FDCPA.

This alleged debt has been reported as closed and charged-off accounts and according to 604 15 USC 1681B of the FDCPA they are not to be put on my credit reports and this company has failed repeatedly to validate the alleged debts as well. I read them all through the CFPB Database of Agreements and not one of the credit agreements states anything about the alleged debts being sold to a third party to be collected in my name and making me responsible for them. Radius Global Solutions pays XXXX  cents on the dollar for these debts as well and demands consumers pay the full amount that was already charged off by the original creditors and reported on their taxes for tax breaks.

I appreciate your help in this matter. Thank You.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Sent in bank statements from XXXX. The credit company ignored statements and further destroyed credit while siding with a credit company. When i called in personally i was spoken to rudely and hung up on even after requesting to speak with their experts. They then charged a closed account as a past limit to further hurt the score while moving the charge-off date 2 years further to discourage and more disputes all while moving the credit limit to 119 % to prevent any use of credit for what has now been 4 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: LA

Complaint narrative:
My account was closed for no reason. I had no balance on it. When asked the reason why, i was given the run a round.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I noticed Hard inquires added to my credit report that I didn't authorize and I also noticed Hard inquiries that are still on my credit report longer than XXXX  months that I didnt authorize. 

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 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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I closed my XXXX account in XXXX XXXX XXXX When I did this the account had a {$830.00} balance. The balance was still paid off on the account a few months after closing. 

XXXX has not updated my credit profile. I have contacted them XXXX  and have XXXX emails from them saying the same thing about my credit file will update and it hasnt. 

Ive attempted numerous disputes with Experian and they wont drop it even with statements showing the account is closed and paid off with a {$0.00} balance. This has affected my credit worthiness. I have attached the emails from XXXX at XXXX, my final statement from XXXX, and my numerous attempts to correct my credit file, and what it currently looks like.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX Mortgage, since XX/XX/XXXX, has continued to report an inaccurate payment for the month of XX/XX/XXXX, for my mortgage account for XXXX XXXX XXXX XXXX, XXXX, VA XXXX to all three credit bureaus. This information has stayed incorrect as recently as a XX/XX/XXXX, report from Experian. I have attempted to remedy this issue with XXXX, and several times, they have written that the information to the credit bureaus is correct as reported by them. I also challenged this misinformation with all three credit bureaus. In XX/XX/XXXX, the monthly amount I owed to XXXX for this mortgage was {$2100.00}. I actually paid at total of {$2200.00} that month, albeit in XXXX separate payments, for which I have proof. To date, XXXX continues to report an insufficient payment of just {$2000.00} which is not correct or accurate. This misstatement and misreporting of what I actually paid has damaged my credit and made it impossible for me to procure another mortgage loan at favorable terms. It also affects my job as I have a security clearance.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under XXXX XXXX XXXX XXXX XXXX XXXX XXXX, you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
According to the provisions of the Fair Credit Reporting Act, I demand that these matters items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this complaint.

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 2024-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WSFS FINANCIAL CORPORATION
State: CT

Complaint narrative:
Wilmington savings is asking me for an astronomical amount of money on a second mortgage that I haven't heard from in 20 years and they are foreclosing on my home I was not prepared for this it is deceitful and deceptive and unfair the original mortgage was {$49000.00} in XXXX as of today XXXX they are asking me for {$160000.00} I am devastated I'm unsure what to do I am a single person that doesn't have a lot of money and I am also XXXX XXXX XXXX they are not even offering me a modification and I can't afford a lawyer

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 2024-03-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have a car loan with capital one financial. My car was totaled in XXXX of 2023. The insurance company Paid capital one, however, there was a balance for a little over XXXX. I started to pay the balance which brought it down to XXXX. I began to review .y contract and realized I had gap insurance and the gap should have covered the balance. I have been in contact with capital one on many occasions, and they have been of no assistance. The only thing reps keep saying Is that I pay the bill. The last conversation I had, a representative stated they were going to look into my gap coverage, then came back and stated they had no answers. I have asked for the contact of the company that provides this coverage from capital one and they have stated they can not release that information to me. Capital one has me as having late payments on my credit report but have made no good faith effort to resolve the problem. I t was written in a physical contract that I have gap coverage yet capital one will not honor their contractual obligation. Thus has been going on since XXXX of 2023. I am at the point where I believe I need legal representation because I'm getting no where with this company. After the first payment from the XXXX company, it took me contacting the credit bureaus for capital one to update and reflect the correct balance and information on my credit report. Capital one financial is Turning out to be not so reputable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CLGF Holdco 1, LLC
State: NJ

Complaint narrative:
No bill was ever sent, Company refused to send bill after calling with complaint. Found where to send payment to, but the company holds the check until after its due. /this forces me to use app and pay twice the amount due. I was given 12 months interest free, they are attempting to make me miss the due date so they may apply the 34 % interest and back interest from the original date. I have sent them a letter requesting billing and that I would not be responsible for payments past the due date or going over my 12 months interest free. 
The Company is Concora CrediXXXX XXXX XXXX XXXX XXXX GA XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
XXXX XXXX XXXX - XXXX account opened XX/XX/XXXX XXXX Last payment was for {$300.00} on XX/XX/XXXX. On this date I chose to call and pay the remaining balance on the account in full and voluntarily close it. It was not until XX/XX/XXXX, when I received a phone call from RCS collection agent XXXX XXXX that I found out my account was not closed. 

Even though I asked that the account be closed, XXXX sold the account on XX/XX/XXXX without notifying me. This was done just 2 days after I believed I had closed my account voluntarily. One department obviously didnt know what the other was doing. 

The company XXXX sold my account to, continued to try and auto withdraw monthly payments from my bank. Suspecting fraud, I called XXXX the following month to make sure the account was closed as requested. A XXXX agent told me that I no longer had an account with them, so I assumed it had in fact been closed. Later I found out that XXXX declined and returned the {$300.00} payment I made to close the account, because it had already been sold. XXXX said that because they no longer owned the account, they were no longer allowed to give me any further information. 

Because I did not recognize the name of the company trying to draw funds from my bank I closed the checking account they were drawing from. 

No one contacted me by mail, email, or phone to tell me the account was still open or had been sold to : Resurgent Capital Services ( RCS ). XXXX. 
That account, ID # & & XXXX, came to them with no late reports and showing a balance due of {$790.00}. Again. I can only assume that the increased balance of {$790.00} amount was due to added late fees applied after the account was sold. 

RCS claims that they tried to reach me through the mail, but later acknowledged that they had an incorrect mailing address and email address on file. I never received correspondence from them. If I had received any of this correspondence, I would have dealt with it immediately. 

RCS manages this account for yet another 3rd party, LVNV Funding who hired XXXX XXXX to collect the amount of {$790.00}. LVNV-XXXX  continued sending notices to the wrong address, so I was unaware anyone was trying to reach me. 

On XX/XX/XXXX, I received my first phone call about this matter from XXXX XXXX with RCS. She said that in reviewing the account there was clearly sufficient evidence to dispute the false reporting. She immediately placed the account in Dispute Status. She provided proof that XXXX XXXX tried to reach me at an incorrect address. 
( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: OR

Complaint narrative:
XXXX XXXX XXXX  - XXXX account opened XX/XX/XXXX XXXX Last payment was for {$300.00} on XX/XX/XXXX. On this date I chose to call and pay the remaining balance on the account in full and voluntarily close it. It was not until XX/XX/XXXX, when I received a phone call from RCS collection agent XXXX XXXX that I found out my account was not closed. 

Even though I asked that the account be closed, XXXX sold the account on XX/XX/XXXX without notifying me. This was done just 2 days after I believed I had closed my account voluntarily. One department obviously didnt know what the other was doing. 

The company XXXX sold my account to, continued to try and auto withdraw monthly payments from my bank. Suspecting fraud, I called XXXX the following month to make sure the account was closed as requested. A XXXX agent told me that I no longer had an account with them, so I assumed it had in fact been closed. Later I found out that XXXX declined and returned the {$300.00} payment I made to close the account, because it had already been sold. XXXX said that because they no longer owned the account, they were no longer allowed to give me any further information. 

Because I did not recognize the name of the company trying to draw funds from my bank I closed the checking account they were drawing from. 

No one contacted me by mail, email, or phone to tell me the account was still open or had been sold to : Resurgent Capital Services ( RCS ). XXXX. 
That account, ID # & & XXXX, came to them with no late reports and showing a balance due of {$790.00}. Again. I can only assume that the increased balance of {$790.00} amount was due to added late fees applied after the account was sold. 

RCS claims that they tried to reach me through the mail, but later acknowledged that they had an incorrect mailing address and email address on file. I never received correspondence from them. If I had received any of this correspondence, I would have dealt with it immediately. 

RCS manages this account for yet another 3rd party, LVNV Funding who hired XXXX XXXX to collect the amount of {$790.00}. LVNV-XXXX continued sending notices to the wrong address, so I was unaware anyone was trying to reach me. 

On XX/XX/XXXX, I received my first phone call about this matter from XXXX XXXX with RCS. She said that in reviewing the account there was clearly sufficient evidence to dispute the false reporting. She immediately placed the account in Dispute Status. She provided proof that XXXX XXXX tried to reach me at an incorrect address. 
( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I had my credit card payment setup with automatic bill pay. It was to be paid in full every month upto a limit of {$1200.00}. The limit was set to protect against fraud on Credit card. BOFA did not make payments and total amount exceeded {$1200.00}. They then charged late fees and interest. I looked at the account online and it showed automatic payment setup. I went to branch and requested an explanation. 

They made some called and then asked me to sign on to my account to show me that there was not automatic bill payment setup.. THIS IS NOT TRUE. I came home and logged on and there was no bill payment setup. The change for this payment was not done by me. 

BOFA is not being upfront here. They made the change not 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 monetary relief
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My account was closed for no reason. I had no balance on it. When asked the reason why, i was given the run a round.

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 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account XXXX, has violated my rights XXXX XXXX XXXX XXXX XXXX XXXX States I have the right to privacy. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I t also states a consumer reporting agency can not furnish an 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 explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
Under the Educational rights and privacy act of 1974, the financial company that i initially had dealings with has consistently reported information concerning this account to third parties... Also under 15USC1681

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Saturday, XX/XX/2024 Dear XXXX & Equifax Credit Bureau, I received a copy of my credit report and am writing to dispute the following information that appears on my Equifax report. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete themL ( 1 ) Inquiry from XXXX XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 
( 2 ) Inquiry from XXXX XXXX XXXX on XX/XX/2024 I do not recognize this lender and I did not authorize them to perform a hard inquiry on my credit report. 

By the provision of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. 
Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation