BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-02
Company: Experian Information Solutions 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:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Experian Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : Social Security Number : To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX  XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$360.00} on XX/XX/2021. 

I challenge the accuracy, compliance and reportability of this listing. 

Please validate this information with XXXX XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 

Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : 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 explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting 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 a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2023-07-22
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
credit collection service have been reporting past due XXXX to the credit bureau when in fact I have no business with them this was reported XXXX XXXX i have made dispute this matter with credit bureau and they refused remove the false charges I have tried to dispute inquiries XXXX they refuse to removed them and wont show the proof of investigation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
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:
FRCA Violation loan XXXX XXXX XXXX XXXX XXXX FRCA address and names XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: NC
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 received a copy of my credit report and it shows company CREDIT COLL ( Original Creditor : XXXX XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$250.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

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 2023-08-28
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting 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 Account XXXX XXXXXXXX Acconunt XXXX XXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXXXXXX Acconunt XXXX XXXXXXXX Account XXXX XXXX Acconunt XXXX XXXXXXXX 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 explanation
Consumer complaint received 2022-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXX XXXX they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-07-13
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In relation to my previous complaint, XXXX, I have encountered further issues with Comenity Bank 's handling of my Express Credit Card account. Despite multiple attempts to resolve an identity theft issue that resulted in over {$7500.00} in fraudulent transactions on my account, the bank has failed to address the root of the problem : their lack of robust security measures. 

After the resolution of my previous complaint, which concluded with Comenity Bank closing my account without notification, I attempted to contact them for further discussion. When I called their customer service line and entered the last four digits of my social security number, I received an automated message that my account was closed and there was no further action I could do. This action was taken without my consent and without proper notification, and will cause a negative impact on my credit score. 

The lack of security measures in place to protect customers, especially those who have had their social security number stolen, was not addressed in their response to my previous complaint, nor was any XXXX given that measures would be put in place to prevent similar fraud from happening to others.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I filed an initial complaint to receive debt verification from Jefferson Capital Systems and I received another bill. However, the little information that was provided is not enough to verify the debt. All they provided was a bill with different payment options and how to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
SINCE XXXX WHEN I BOUGHT THE XXXX XXXX XXXX  XXXX. I HAVE BEEN MAKING EXCELLENT PAYMENTS ON MY CAR. IN XX/XX/XXXX, I STARTED TO FACE PROBLEMS MAKING PAYMENTS SO I SET UP AUTO PAYMENT WITH BY XXXX  XXXX XXXX ACCOUNT. PRIOR TO THE START DATE OF THE TIME I SET MY BANK TO START MAKING PAYMENT, I MADE PAYMENT ON XX/XX/XXXX VIA XXXX XXXX BILL PAYMENTS. ON XX/XX/XXXX PAYMENTS WERE MADE VIA MY XXXX  XXXX XXXX AUTO PAY, ON XX/XX/XXXX PAYMENTS WERE ALSO MADE BY XXXX  XXXX XXXX TO CHRYSLER CAPITAL ON MY BEHALF. NON OF THOSE PAYMENTS WERE CREDITED AS A RESULT I BECAME CONFUSED AND FELT CHEATED. I MADE SEVERAL CALLS BUT THEIR STAFF WERE VERY UNPROFESSIONAL. AT THAT POINT, I DECIDED TO STOP PAYMENTS UNTIL MY TWO PAYMENTS ARE CREDITED. I ALSO INFORMED THEM TO STOP CALLING ME UNTIL THEY CREDIT MY ACCOUNT. IN SUMMARY, I FEEL THAT SOMEONE IS TRYING TO FRAUDULENTLY TAKE MONEY FROM ME, DESTROY MY CREDIT AND STANDING AND MAYBE EMBARRASS ME WITH A REPOSSESSION

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023, {$35000.00} was transferred from my savings to my checking on a scam, from a XXXXXXXX XXXX  telling me that wrong amount was sent and I need to do a wire transfer to give them the money back, they should have only giving me a refund of {$350.00}. Unbeknownst to me they were able to get into my checking/savings account and move my monies. I immediately called the bank the next day and explained what happened, they took report etc. I filed a report with the Police Dept. as well as the FBI. I did not do an online transfer of the {$3500.00}, that was moved. My online Chase acct did not shut down apparently and they were able to move these funds while I was at the bank, and unfortunately I didnt go back into my acct until XXXX, when found the error. 

The bank says there is nothing they can do. What is an FDIC if it is not to protect and help XXXX customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Meade & Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting bills from XXXX XXXX and throwing them away because I'm a qualified medicare beneficiary and can not be balanced billed. I have both XXXX and XXXX. XXXX XXXX paid the bill and any balance should not have been billed to me because it is illegal to do so. Today I got a letter from Meade and associates saying that they are trying to collect the debt due to XXXX XXXX XXXX which I'm assuming is XXXX XXXX since he's the one I saw during the service dates between XXXX XXXX of 2022. During this time I was a qualified XXXX beneficiary and I still am. They say I owe {$100.00} and when I called them they argued with me about it even though I said I was a qualified XXXX beneficiary they said I owe this debt. I'm on XXXX because I'm XXXX XXXX and this is causing me mental duress for no reason. The person I spoke to at XXXX was very rude and raised his voice at me insisting that I owe this debt. The phone number for Meade & associates is XXXX. They're located at XXXX XXXX XXXX XXXX XXXX Ohio XXXX. The letter is dated XX/XX/XXXX of 2022. The bills I received from XXXX XXXX were thrown away so I don't have those. Every time I get these bills it reminds me of the time I was committed and XXXX XXXX was the worst XXXX ever and XXXX was a horrible experience for me. This is affecting my mental health and I don't appreciate it. I feel like I'm being harassed for no reason.

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 2023-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In XXXX of XXXX I was added as an authorized user for a credit card ( XXXX ) the trade appeared on my credit report with a 3 major credit bureaus. The account was and is in a positive status. The account was not fraudulent it was accurately verified and reported legally. In XXXX or XXXX of XXXX I disputed this account for inaccurately reporting the balance with TRANSUNION. In XXXX of XXXX TRANSUNION claimed to have conducted an investigation and upon completion deleted the trade line from my credit report. I reached out to TRANSUNION regarding this error and was told that I needed to contact XXXX credit about having it reinserted. I then reached out to XXXX and they began the reinsertion process by sending me a document to sign and date as verification to the credit bureaus that I am in fact agreeing to have the trade line reinserted. I sign the document, sent it back to XXXX XXXX, they then acknowledged receipt and stated they will send the needed information to TRANSUION and the trade line will then be added back to my report. I spoke to a XXXX representative on XX/XX/XXXX and they then told me that TRANSUION responded to their request about reinserting the trade line back onto my credit stating that they refuse to reinsert it due to an internal policy. XXXX and I have contacted TRANSUNION and they are continuing to deny our request. TRANSUNION has not sent me any information regarding this internal policy they have resulting in their decision

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 2021-05-06
Company: EQUIFAX, INC.
State: NC
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 received a copy of my credit report and it shows company XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX  account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$220.00}. I have tried many times to get this verified with no such luck. Please review for deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: NC
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:
XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX XXXX XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX  - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX XXXX charged me late fees and interest on payments I made in plenty of time. 
I overpaid {$98.00} on XX/XX/2021. 
I WASNT LATE IN SENDING BUT THEY CLAIM MY PAYMENT IS 1 to 2 DAYS LATE AND THEN CHARGE ME LATE FEES AND INTEREST CHARGE AND FINANCE CHARGE. 
LATE FEE XXXX. {$29.00} XXXX {$31.00} XXXX. {$38.00} XXXX. {$38.00} INTEREST CHARGE XXXX. {$2.00} XXXX. {$2.00} XXXX. {$2.00} FINANCE CHARGE {$2.00} I WAS CHARGED ALL THESE FEES WHEN I PAID ON TIME BUT THEY DIDNT RECORD UNTIL PAST DUE DATE. 
I overpaid {$98.00} They paid me back {$94.00} They owe me all the fees above and {$3.00} that I overpaid. 
TOTAL OWED TO ME {$140.00} THEY HAVE CLOSED THIS CASE AND I BELIEVE THEY OWE ME THE ABOVE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
They have not provided resolutions to my concerns, so I needed to reach out to them again to obtain a fair and impartial result. I'm already tired of going back and forth to these credit bureaus for almost a year now and no resolution has been provided.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
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:
I have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-15
Company: EQUIFAX, 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:
I swear all information provided herein under the penalty of perjury is true and accurate to the best of my ability and knowledge. I am not working with no credit repair company this is me and only me. I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft. The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so, I am sure the removal of my information from your website will ensure my privacy rights wont be violated again due to my lack of consent and unrebutted affidavit of truth being serviced to you today and therefore, standing as truth in commerce. please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

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