BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-04
Company: Experian Information Solutions Inc.
State: FL
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:
XXXX, XXXX, and Experian are obligated by the FRCA to report accurate accounting. Consumer has advised ALL the inquiries reported was fraud. Said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting XXXX, XXXX, and Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, XXXX, XXXX, and Experian has 15 days to provide me with the name of the person spoken to, documentation used signed application with consumer wet ink signature. Consumer is not asking for an e-oscar report, if XXXX, XXXX, and Experian do not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. I will be filing form 211 Treasury OMB forms to audit consumers account. XXXX, XXXX, and Experian are securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT. 
XXXX Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX New York XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX North Carolina XXXX XXXX 
XXXX Commission file number. XXXX. XXXX XXXX XXXX, XXXX, Illinois XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( collectively, the XXXX Entities ). XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ( collectively, XXXX ) for the dates associated with identity before being sold.

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 2023-12-02
Company: EQUIFAX, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: SUNRISE CREDIT SERVICES, INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I was told that I could make a {$1000.00} dollars and all I needed was to give the person my debit card and pin number. I did so and around XXXX XXXX that morning I had {$990.00} in my account, the person told me to send {$670.00} through apple pay and cash app and that more money would come later. I did so and later that day my XXXX account was locked I called to see what was going on and they did not give me much information just that in a few days they would be able to tell me what was going on. About 5 days later I got a text alert from XXXX stating I was in the negative {$1000.00} dollars. I called up there later that day and they said there was nothing they could do. I called on 3 different occasions hoping to get a different response but each time same result. On XX/XX/XXXX I got a letter in the mail Sunrise Credit Services stating I owe the above balance. Today I was starting a payment plan to pay the debt and a friend who was a victim of the same scam told me that he disputed the debt since he was a victim of fraud, and his bank account was closed and his balance was reset to XXXX. Which I did not know you cold do up until now since I was told there was nothing I could do by representative at 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 2023-05-29
Company: Henley, Lotterhos & Henley, PLLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I was contacted by XXXX XXXX regarding an alleged debt owed. This is hearsay as XXXX XXXX has no firsthand knowledge or bore witness to any of my Consumer Credit Transactions. Be it known, that I hereby dispute the validity of said debt in question. In accordance with the Federal Fair Debt Collection Practices Act, 15 USC 1692, XXXX XXXX and Henley, Lotterhos, & Henley, PLLC have been notified to CEASE AND DESIST any and all further attempts to collect this alleged debt. I will work directly with the alleged original creditor to resolve this matter, as warranted. Please take note that I am declining any attempts by or any other collection agency with regards to this matter. In addition, Henley, Lotterhos, & Henley, PLLC are hereby requested to inform and / or remove from any reporting agencies this alleged debt that is currently in dispute. I will require documentation that you have complied with this request. As mentioned in the beginning of my notice XXXX XXXX and Henley, Lotterhos, & Henley, PLLC alleging that I owe any debt is hearsay and borderline defamation of character because they do not have firsthand knowledge of or bore witness to any of my Consumer Credit Transactions because I have no account with them, nor am I their customer, nor have I ever entered into a legally binding contractual agreement XXXX  XXXX and Henley, Lotterhos, & Henley, PLLC. I request the following information that I entitled under Title 15 USC 1692 ( The Fair Debt Collection Practices Act ). 1. ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. ) What is your authorization of law for your collection of information? 3. ) What is your authorization of law for your collection of this alleged debt? 4. ) Please evidence your authorization to do business in my state. 5. ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. 6. ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in initial correspondence.

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 2023-02-08
Company: Experian Information Solutions Inc.
State: NV
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX Balance : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$350.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023 I went to Kohl 's with my mother to buy some clothing. The cashier who I believe was named XXXX, assisted us. I held my phone out to use a coupon that was from the Kohl 's app, and the cashier said to my mother " he's must be crazy if he thinks I'm going to look at his phone '' I replied and said " I have a coupon from the app '' he said " says who? '' I replied and said " The Kokl 's app '' he ignored me and continued to ring up our purchases. He continued to mock me for having my coupon and at the end said he has the coupon already. I put my phone away. When he was done ringing up the purchase, he applied a discount to show me the savings I could have if I applied for a Kohl 's card. I thanked him and declined. He said it's not a credit card and I could save money this way. I declined again. He removed the discount and told me that I could just pay {$1.00} on the Kohl 's card and then the rest on my credit card to get the savings. He said that was the way to do it if I was smart. I declined a third time. I felt pressured into applying for this card and misled into believing this was not a credit product. I don't feel comfortable going back to Kohler 's knowing the harassment I'll be subjected to for not applying for an unwanted credit product. 

Date of issue : XX/XX/2023 Time : XXXX XXXX  Store number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-22
Company: Experian Information Solutions Inc.
State: FL
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-05-29
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Equifax credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
incorrect information on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-13
Company: BTH Management
State: MI
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:
On XXXX I disputed XXXX XXXX XXXX and Plaza Services on my XXXX  Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.

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 2020-06-13
Company: CCS Financial Services, Inc.
State: MI
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:
On XXXX I disputed Credit Collection Services and XXXX XXXX on my XXXX  Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This letter will serve as a follow-up to my earlier plea last XX/XX/XXXX. Seems like my earlier endeavor to block those fraud items has not been given attention. I'm including them again in order to be removed immediately. 

XXXX XXXX  Balance : {$48000.00} ; XXXX XXXX XXXX : {$9200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; XXXX ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$21000.00} XXXX XXXXXXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$1000.00} 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 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 2020-06-13
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: Investigation took more than 30 days

Complaint:
I Sent Experian a dispute letter on XX/XX/2020 to verify, and validate a collection from XXXX XXXX XXXX.This is the second time I tried to dispute and didn't get a response. 
I personally contacted convergent outsourcing, and asked them to validate this debt, but they continue to sent snapshots of a XXXX  bill I have no knowledge of. 
I sent Experian a packet of responses from XXXX  to show that the debt is not valid.and I have not received a response.I also received several postcards explaining the dispute process, but nothing about my specific dispute 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 explanation
Consumer complaint received 2023-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
There is an account reporting but I have never had an account with XXXX XXXX XXXX XXXX XXXX 

They bought out a bank that shut down in XXXX, WI. 

I had an account with the original bank and XXXX XXXX returned my money because they didnt offer the same product the original bank offered. ( I have the check to prove they paid me back ) I never held an account with XXXX XXXX XXXX XXXX XXXXXXXX so how can I have multiple late payments? 

Please delete this entire account from my consumer file. I want to exercise my right under 15 U.S. Code 1681b - Permissible purposes of consumer reports and 15 U.S. Code 1681a ( 2 ) under the exclusion section. 

I have been violated according to 15 U.S. Code 1692g section a & b. 

If this account is not removed from both my Transunion and XXXX reports within 30 day of receipt of this complaint I will sue. 

I have disputed this so many times and nothing happens this is my late time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-13
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
It's WhiteFlower again, on the XXXX of XX/XX/2021 I got a response concerning my complaint, I'm really frustrated with what you people are doing to me right now, paypal is working based on limited information, I've waited six months, approximately 180 days, now you say it's because I received benefit from Ohio and I live in Texas, do you know which state I've worked before coming to such conclusion, my employer has payed taxes into the system that contributes towards UI funds in the state where they operate which is ohio, so I claim my benefit in the state from where I've worked. You have no right to hold on to my money, I'm going to write to senator Ted Cruz concerning this if I don't get a reasonable response on how to get my money back, because I have all my proof and you guys are working based on limited information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-10
Company: Medical Data Systems, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
These accounts should NOT be reporting on my credit file, as the medical center was instructed to bill my insurance carrier before these accounts were falsely placed in collections. There are also duplicate accounts reporting on my credit file ( See below ), which is causing severe damage to my credit worthiness and is preventing me from accessing new lines of credit. These accounts are injurious to my credit, I have sent in 2 separate re-investigation requests to XXXX for the following inaccurate accounts : Account Name : Medical Data Systems - Account # XXXX Balance - {$150.00} ( Non-compliant reporting ) Account Name : Medical Data Systems - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) Account Name : Medical Data Systems - Account # XXXX Balance - {$110.00} ( Non-compliant reporting ) ( Duplicate ) The first re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 10 days ) and the second re-investigation was started on XX/XX/2022 and was completed on XX/XX/2022 ( 14 days ). On both occasions, the above-referenced accounts have come back as " verified. '' I have requested the method of procedures be sent to me ( via us mail ) explaining the procedures used to verify these accounts and to date, XXXX has ignored my requests, which is my right under the FCRA. Medical Data Systems has also failed to provide me a notice of debt, prior to inserting these alleged accounts onto my credit report which is a violation of my consumer rights. I was not provided the opportunity to request validation of these alleged debts within the required timeframe. I have disputed these alleged accounts with XXXX, as well as the collection agency, and both parties continue to verify this alleged debt without properly investigating, which is violation of the FDCPA and FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-18
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Because of the mismanagement, the lies, and the delay tricks by the management at J.P.Morgan/Chase in the ( CFPB ) complaint id XXXX, petitioner will start playing his own tricks. That this agency have let you culprits get away with doing anything you want, petitioner is requesting the sum of XXXX XXXX dollars ( that's with a capital " B '' ). I know you're not going to take me serious, and that's your first mistake. You and your corrupt system of justice is going to fall, and this is the stone that will bring you down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I am missing credit card statements for : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.I have called USAA several times asking for those statements. Now I am being charged late fees and high interest charges. During one of my calls to USAA, I was told that someone at USAA credit cards put me on online statements. I did not ask for this. I NEVER do any banking online. Due to the fault of USAA, these late fees and finance charges have accumulated. My XX/XX/XXXX statement, which I did receive, states that my minimum statement payment due is {$580.00}. I find this to be unfair due to USAA 's fault. I have called at least 5 times asking for these statements. I'm still waiting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief