BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-28
Company: Peter Roberts & Associates, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 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 or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I sent request to all 3 credit bureaus to correct my legal name and and remove all the other names and other address but my present address on my credit report and they have not responded. I have also filed request regarding the Fair Credit reporting act for accounts to be removed from my credit report and for payments to not reflect negative due to the covid 19 period. I am attaching all my documentation supporting my request that was sent to Experian, XXXX and XXXX. 

I would like to thank you in advance for your time and assistance with this matter.

Company response to consumer: In progress
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: NJ
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:
I HAVE FILED A OFFCIAL REPORT TO HAVE THESE ITEMS REMOVED OFF OF MY CONSUMER REPORT. THESE ITEMS ARE REPORTING ILLEGALLY AS DO I DID NOT GIVE ANY ONE PERSMISSION TO REPORT/APPLY FOR THESE ACCOUNTS. THIS IS IDENTITY THEFT PER 8 U.S. Code 1028A - Aggravated identity theft

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 2023-11-30
Company: Law Office of Michael J. Scott, PC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you instead of your attorney

Complaint:
I have asked them to stop at least 3 times but undoubtedly more. I have recordings of everything. They sent me another communication on XXXX XXXX 

I have attached a photo of the latest letter and recording of my phone call. 

I am a witness to a massive fraud, and this is another deliberate attempt by them to harass and intimidate me. 

contact XXXX and cromwell with communication. do NOT contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: Experian Information Solutions Inc.
State: TN
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:
Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX XXXX XXXX XXXX has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. The Experian and Equifax has failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 
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 XXXX XXXX XXXX XXXX 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 2022-12-22
Company: DIRECMANAGEMENT, INC.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX of XXXX XXXX XXXX XXXX threaten to damage my credit by falsely accusing that i still owe rent on the unit she ordered me to vacate due to a rat infestation that she accused me of causing. This bogus collections is a result of retaliation from her after I repeatedly asked her to hire an exterminator to eradicate the problem, she instead send maintenance man to set traps, we caught 12 rats and they keep coming. I had had enough and called the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX to inspect the unit and they determined I did not cause this issue. After she received a call from them, she then told me to vacate the property in 7 days, when I only had 1 month left of my lease, I had no where to go but I left only to notice that she then empowered Direc Management Inc to report that I owe {$1500.00} on my credit report since. I do not owe this debt, this is a bogus collections, I have put this statement on my credit reports. I have reached out to them without any resolve.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-22
Company: Genesis FS Card Services, 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:
so check this out, I went to get a job and was denied due to things on my report that don't belong to me. there is a car loans and credit cards that don't belong to me at all and they are a result to identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: EQUIFAX, INC.
State: MI
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:
These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXX Dept of EdXXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full XXXX XXXX XXXX  fraudulently opened

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
These accounts are not mine, fraudulent activity on my credit report. 

XXXX XXXX on credit report not opened by me. 

XXXX XXXX Account fraudulently opened, paid off XXXXXXXX XXXX XXXX XXXX payments 180 days past due as of XX/XX/XXXX to XX/XX/XXXX not on this account. The account was opened XX/XX/XXXX. 

STATE OF MI/OFFICE CHILD SUPPORT account never late and paid in full XXXX paid in full TXXXX XXXX XXXX fraudulently opened

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 2022-03-18
Company: CITIBANK, N.A.
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/2022 I applied for HomeDepot XXXX XXXX  card, Immediately after submitting application on the screen stating to give them a call. I called their new account and spoke to a young lady by the name of XXXX, I had to verify my identity with her over the phone and then she placed me on hold. She came back after a 5 minute hold and stated to me I was declined because they couldn't verify my identity due to a extended fraud alert. I reply I never requested an alert and I can verify anything that needed. She stated that I need to contact XXXX and to give her a call back once I get it removed and resolved. I did just that after being one the calm with XXXX for XXXX, it was confirmed remove. Immediately tried to contact the number that was on the reference screen however kept getting a error stating I was deny and I will get a letter in the mail. At this point, I'm very upset and disappoint because my credit is my life and I pay all of my bills on time and my credit is over XXXX. Finally calling 3 different numbers, I was able to speak to a rep by name of XXXX who tried to help me. She stated that the alert was still on my credit and she needed to pull my report again. Waited on hold for 15b minutes then she cam back and saying there's and issue with my address. Going back and forth with no solutions. She stated that she needed to pull my XXXX report which is 3 pulls in less than 2 hours for 1 application which is unlawful and now she comes back and say its decline for no reason. I spoke to a XXXX XXXXHK manager which was very rude and stated that she can't give me a reason of denial. She stated the credit bureaus declined me which is a lie not truthful. All consumers have open end credit and should not be denial. I feel like I was discriminated from able to getting credit with HomeDepot pro which is unlawful. XXXX being on a phone and getting deny to no reason and to get very bad customer service is not acceptable. I'm demanding this matter be escalated.

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 2023-07-21
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 sent a letter to the Experian and XXXX Credit Bureaus requesting to reinvestigate the disputed Account from my credit report as well as update the Account from my report during the investigation period. As of this date, they have failed to respond to my request. 

XXXX XXXX Balance Owed : {$11000.00}.

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 2022-12-22
Company: OPTUM BANK, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
My complaint is regarding Optum Bank. They are the provider for my XXXX. I made a payment in the amount of {$640.00} to XXXX XXXX XXXX XXXX using Optums online bill pay service. The amount was debited on XX/XX/22, but never received by XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX is asking for a receipt so they can look for the payment ( e.g. check #, transaction ID, etc. ). I just spoke with XXXX at Optum Bank who refused to provide me with any information I would need to find the payment or put in a claim on his end to research the payment. Now I am out the money from my Optum account and still owe the money to XXXX XXXX XXXX XXXX with no recourse for getting my money back. How can I move forward to resolve this and find out where my money is?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently looked at my credit report and noticed there were fraudulent accounts on my credit report. I have listed these accounts that I have 0 knowledge of and do not recognize these. I would truly appreciate that these are blocked and removed from my credit report. As I need to get approved to get into an apartment.

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 2023-07-21
Company: Experian Information Solutions Inc.
State: MS
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:
Reported to Experian original in XX/XX/2023 as dispute and re reported to Experian XX/XX/2023 regarding XXXX  Continuous reporting inaccurate and incomplete account information and Experian did not investigated the errors i dispute in the previous reported disputes conplaint.. Didn't follow law and fix the reported error noted. Nor did they remove the errors previouly reported.. Experian continue alou XXXX to change verified Accurate previouly reported account detail information

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 2023-03-13
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 information incorrect

Complaint:
I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of Identity Theft. Please let me know if you need any other information from me to block this information from my credit report.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 2019-01-02
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Tried to open multiple times an HSBC checking between XX/XX/XXXX - XX/XX/XXXX XXXX. Repeated denied : " Dear XXXX, We're writing to notify you that your application for a new HSBC Advance checking account was declined because were unable to verify the identity of the applicant. 

If you requested online funding at the time you submitted your application, this transaction has been cancelled. 

Sincerely, HSBC Online Account Opening Team '' Even so - I was a customer of the bank in the past ( confirmed, and does not prevent opening ), they had successfully checked my credit reports multiple times which fully confirm my identity ( prof present ). All the information I entered was correct. So the reason presented is absolute invalid nonsense. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: Experian Information Solutions Inc.
State: CO
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:
XXXX has compromised my security & information, putting me and 209,000 other people at risk by allowing access to important information. It happened around mid-XX/XX/XXXX to XX/XX/XXXX. 

I am listed as a potential victim on XXXX. 

I would like a resolution.

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 2023-07-25
Company: Happy Money, Inc.
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I made a payment for XXXX and XXXX for {$380.00} and it was cleared from my account that day. This payment shows up on the payment portal for my end. Happy money is saying on XX/XX/XXXX the payment was returned ( it wasnt ) and that I need to make another payment ( next payment is due XX/XX/XXXX according to the online portal ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022, I received a XXXX XXXX. 
This card listed my first name and full social security number as the username. 

I called XXXX and had them immediately close the account, as I never opened it, nor would I select a username that exposes my personal information. I then created a fraud alert with one of the credit bureaus. 

Today, XX/XX/2022 I received a debit card from Chime, so I called and reported it as fraudulent. I was asked to verify my personal information to verify it was my account, so I gave the information, since they had it already, but my email address didn't match. 

At this point the representative from Chime read me back the email address, which was my first name, followed by my social security XXXX. 

I am now on the phone with XXXX and I'm going to report that the email address that is made up of my first name and social security number is creating fraudulent accounts in my name. 

The odd thing is that they would likely get away with it, if it they weren't sending the cards to my actual address. I mean, why would you send the card of a fraudulent account to the person whom you are defrauding.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This complaint arises from XXXX XXXX breach of contract, unjust enrichment, and violation of the Uniform Commercial Code ( U.C.C. ) in relation to a negotiable instrument, specifically a coupon note, which I issued but subsequently refused to honor. 

I entered into a financial agreement with [ XXXX XXXX XXXX XXXX ]. 
As part of this agreement, XXXX XXXX issued to me a Bond Statement and a coupon note. These are recognized as negotiable instruments under U.C.C. Article 3.

Blacks Law Dictionary 6th edition defines : Coupon notes- Promissory notes with coupons attached, the coupons being notes for interest written at the bottom of the principal note.

Coupons- They are written contracts for the payment of a definite sum of money. They are deemed negotiable and distinct promises. This is supported by Thompson V.

Perrine, 106 U.S. 589, 1 S.Ct. 564, 27 L.Ed. 298.

Relying on this established interpretation and precedent, I sought to enforce this coupon note through endorsement and transfer in good faith, as stipulated in U.C.C.

3-301.

If such a promise to pay is rendered invalid, it casts doubt on the legitimacy of the entire debt. As established in U.C.C., the debt is either considered satisfied or entirely nullified. 
XXXX XXXX refusal to honor this note, despite my actions in alignment with the U.C.C., amounts to a full discharge of the debt as per U.C.C. 3-603. 
It falls upon XXXX XXXX to demonstrate that the issued coupon note does not fulfill the criteria established in the U.C.C.

By not acknowledging my rightful claim, I unjustly benefits from the security of the landed estate, which has been trustfully placed into the XXXX XXXX XXXX XXXX. 

UCC-1 Filed by The Federal Reserve even says that all bills are prepaid

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 2023-04-11
Company: Experian Information Solutions Inc.
State: FL
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 am writing to delete the following information in my file. The items I need to delete are listed in in the report. I am a victim of identity theft and I did not make the charge. I asked that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity theft Affidavit. Please delete the items as soon as possible.

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