BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: Experian Information Solutions 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:
please find attached the police report and the FTC report for the items that are reporting on my credit file, by mistake or fraud. 
i have tried to fight with the bureaus and it has been unsuccessful, i need your help in order to remove these inaccurate public record and the discover account from my credit file. XXXX  is reporting a Bankruptcy that does not belong to me, and Experian is reporting the XXXX account that was opened fraudulently under my name, they have placed back the XXXX with out even considering me had been a Victim of ID Theft, please help me to remove these inaccuracies.

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 2023-09-28
Company: Waypoint Resource Group, LLC
State: AL
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX, PUT A COLLECTION ON MY CREDIT REPORT THIS MORNING. I NEVER HEARD FROM THEM OR OF THEM, EVER RECEIVED A LETTER INFORMING OF THIS ALLEGED DEBT AND FURTHERMORE NEVER GAVE ME THE OPPORTUNITY TO DISPUTE, WHICH IF THEY HAD I WOULDVE BEEN ABLE TO LET THEM KNOW THIS IS RESULT OF IDENTITY THEFT. I HAVE ATTACHED THE IDENTITY THEFT REPORT, THE LETTER TO XXXX XXXX XXXX AND THE NOTICE TO FURNISHER IN THIS COMPLAINT. 

All furnishers must have in place reasonable procedures to respond to notifications from XXXX  that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or the list of inquiries : 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2020-02-17
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I co-signed my son 's loan in XXXX-I paid the loan off in XXXXNavient applied the monies to the wrong account, which I was unaware of, until XXXX. They have been calling and asking for repayment. They finally admit they made an error, but state now that it is too late to make the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been in a dispute with Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores for weeks. CCFI continually changes its strategy to avoid resolving this issue with me. First I was told to call to resolve it ... did so and was greeted by reps who had no idea what I was talking about. Then I was told to call a different number to be told they also would not speak to me. I was told the consent order from XX/XX/XXXX didn't exist. When I proved it does, I was then told I had dealt with a completely different company.

Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores are all the same company ... all headquartered in Ohio. All predatory lenders.

I was steered into a loan of {$2500.00} for the sole purpose of Community Choice Financial Inc/Cash Central/Cash Central of California/California Check Cashing Stores collecting an outrageous percentage of fee. I was NEVER informed a loan for {$2.00} less would cap my fees at 30 %. I paid 78 %.

I want a refund of my overpayment. I am willing to accept less than the full 48 %, but I should not have to have paid an additional 48 % for 2 extra dollars. That is predatory and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-17
Company: BROKER SOLUTIONS, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
We closed in XX/XX/2020. There was significant checks involved with upwards of 15 to 20 creditors. The company New American Funding New American Funding - ( XXXX, CA XXXX ) did not pay off my creditors directly, rather mailed checks I got a week later. There was one errant account included that grossed up my mortgage by ( XXXX. They have since taken it back but I still have no replacement funds either reducing or a cash back ). I sent all large checks - {$800.00} plus to the credit card companies with tracking - USPS lost one - so now I have another {$1000.00} lost. Because of their business practices that favor their bank account balances by forcing a MONTH OF FLOAT! I am paying interest on some debt in 2 PLACES!!!! 

I feel that this is illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Sychrony Bank send a credit card to an address that I lived at in XXXX from XX/XX/XXXX to XX/XX/XXXX in XX/XX/XXXX. The credit card was somehow activated and then {$5000.00} was spent at a XXXX area XXXX XXXX. During this time, I lived in XXXX MA. Not only did I not request, or approve this card, I physically could not have made those purchases. I called the company immediately because they contacted me suspecting fraud and they corrected the situation and closed the account. However 3 months later the bank denied by case and started charging me again. They will not resolve the case

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 2023-01-05
Company: KLS Financial Services, Inc
State: MS
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 am writing to inform you that KLS Financial Services has refused to respond to my requests for documentation and information regarding a debt they claim I owe. They have also stated that they are not licensed to collect debt in the state of Mississippi, yet the only states that do not require a license for debt collection are Georgia, Kansas, Kentucky, Michigan, Missouri, Montana, New Hampshire, New York, Ohio, Oklahoma, Pennsylvania, South Dakota, Vermont, and Virginia. 

I am concerned that KLS Financial Services may be operating outside of the law and taking advantage of consumers. I am also alleging that a person or company, without my authorization, used my personal identifying information to apply for goods, services, or money and was successful in creating accounts. This is currently being investigated by the FTC. 

Under the laws of the United States, I swear that the information I have provided in this letter is true and correct to the best of my knowledge. I am permitted by federal and state law to file this dispute, and any misstatements in this letter are punishable as perjury under 18 U.S.C 1001 and 18 U.S.C 1621.

I request that the CFBP take action to investigate KLS Financial Services and their practices, as well as assist me in obtaining the necessary documentation and information from them.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: VA
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:
XXXX XXXX XXXX XXXX # XXXX, this home was sold on XX/XX/XXXX. XXXX XXXX and Equifax are still reporting this closed account as being delinquent. The account was paid in full and fully satisfied on XX/XX/XXXX. Attached please find a copy of the XXXX settlement statement, Deed of Release, letter from XXXX XXXX and the credit report screen shot showing the issue. 
I am unable to obtain a mortgage due to this inaccurate reporting when XXXX Mortgage pulled my credit report Equifax was showing this incorrect information. I have contracted Equifax and XXXX XXXX myself and to date this issue is still not correct. I have filed prior disputes with Equifax and to date this issue has not been resolved. This is causing an undue hardship to my livelihood. 
The attached shows 90 days late and with last delinquent date XX/XX/XXXX. 
I would like all derogatory remarks removed from this account to show it was paid in full and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
In alignment with the Fair Credit Reporting Act : The inquires listed below has transgressed my federally safeguarded consumer rights concerning privacy and confidentiality as delineated in 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have all infringed upon my rights. 

According to 15 U.S.C. 1681, Section 602A, I am entitled to the preservation of my privacy.

Additionally, under 15 U.S.C. 1681, Section 604A, Section 2, it is explicitly stated that a consumer reporting agency can not provide an account without my express written consent.

Furthermore, 15 U.S.C. 1681c ( a ) ( 5 ) clearly specifies that no consumer reporting agency may include certain categories of information in a consumer report, excluding records of crime convictions that predate the report by more than seven years.

Lastly, as per 15 U.S.C. 1681s-2 ( A ) ( 1 ), an individual is prohibited from providing any information pertaining to a consumer to any consumer reporting agency if they are aware or have reasonable cause to believe that the information is inaccurate.

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 2020-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I was hit with a 30 day late on my credit report and I was not and have not been 30 over days late. 

XX/XX/XXXX, I paid {$56.00} on my account. 
XX/XX/XXXX, I was hit with a finance charge for XXXX. 
XX/XX/XXXX, I paid my account in full for XXXX. 
XX/XX/XXXX - NO TRANSACTIONS. 

Next Transaction was not until XX/XX/XXXX & XX/XX/XXXX. For XXXX. 

THERE IS A LATE FEE FOR XXXX CARRIED FROM A PREVIOUS BALANCE - THERE WAS NO PREVIOUS BALANCE. I PAID EVERYTHING OFF. 

RECEIVED A LATE CHARGE ON MY CREDIT REPORT XX/XX/XXXX ON XXXX XXXX : I PAID THE XXXX NOT ONCE HAVE I BEEN LATE 30 days! 
KOHLS IS REFUSING TO REMOVE THE XXXX LATE FEE WHEN I WAS NEVER LATE. 

XX/XX/XXXX, I called kohls credit card and they credited me back the XXXX late and agreed with me there was no late and she would send it to whomever for removal. Next thing I know I get a letter saying they are not removing it. Makes no sense to me. 

Here is my account payment history from them directly. I am refunded the money cause there error, but they won't fix my credit report??? 

Posted Payments Payment Date Payment Amount Description XX/XX/XXXX {$1.00} Late charge refund XX/XX/XXXX {$49.00} Payment XX/XX/XXXX {$470.00} Payment XX/XX/XXXX {$49.00} Payment XX/XX/XXXX {$56.00} Payment XX/XX/XXXX {$140.00} Payment I just want my credit report update for XX/XX/XXXX to properly show I have paid my account perfectly. I will never use or shop at Kohls again, as I have been treated so unfair! Complete disregard for my lively hood and my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-20
Company: Collection Management Holdings, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I hhave absolutely no knowledge of this debt. This makes absolutely no sense to even have this debt incurred because I had health insurance at the time and gave that information to the medical office. But there was absolutely no communication between their company and myself. They just put this debt on my credit report without any notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a letter in the mail dated XXXX and opened it when returning from a trip on XXXX. The letterhead had Kohl 's XXXX  XXXX on it and was from their fraud Dept noting that there was " activity uncharacteristic of my normal shopping patterns '' and to call their Fraud Dept. 

I called on XXXX the Kohl 's Fraud Department XXXX and reported that I had never opened a credit card at Kohl 's and only shopped there one time using a personal debit card. This is the first I am learning there was a card opened with my information without my consent. They reported the card was opened in XX/XX/2022 and they would close the card and investigate fraudulent charges. They said there is a XXXX balance on the card. They would not tell me what had been charged or other information pertaining to what happened. Kohl 's had my date of birth and full social security number to have approved this card ending in # XXXX. Kohl 's said they would send a letter in about 6 weeks once the investigation was completed. 

I will need further help to put a lock on my credit so that I am not further scammed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have a bunch of hard inquiries in my account that were not made by myself. I called all three credit reports and they suggested I make an FTC report. 

New Inquiry Reported By 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 explanation
Consumer complaint received 2020-12-19
Company: Paypal Holdings, Inc
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2020, my debit card, which was linked to my PayPal account, was hacked and {$300.00} withdrawn from my checking account through a PayPal wire transfer service called XXXX. My credit union and debit card issuer would not replenish the funds, claiming the issue needed to be resolved with PayPal. PayPal declined responsibility and referred me directly to XXXX. After many attempts, I finally got through to a XXXX representative but the company has not resolved this fraud nor returned my money to my checking account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-05
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I do not have a signed contract nor any contract with SANTANDER CONSUMER USA. I have never done business with this company. I am not liable for collection from this debt from SANTANDER CONSUMER USA. I am not responsible for this debt with SANTANDER CONSUMER USA. I demand request be in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, fault, or recalled consumer product, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claims as a loss with any insuring entity during the period it may have been payable. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint will be sent to you by certified mail with proof of delivery and will also become part of a formal complaint to the XXXX XXXX XXXX. Please be advised that I am requesting competent evidence that I had some contractual obligation in relation to the trade line. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-17
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  Account number:XXXX  Account name : XXXX XXXX Account numberXXXX  Account name : XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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