BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-06
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I need XXXXXXXX XXXX Experian to resolve these false reports off my credit reports. I sent 10s of dispute letters, nothing has done. I contacted each and every collection company " The said ; if it is in their file, it has to be truly a bill of mine. '' Those doctor bills went off before and come back again. I told them that when the paramedic came, I never went on them because I knew how they operated, they are all about the big money. They came and took my name and social even if when my neighbor called them, but I never went on their vehicle. And The Florida medical bill is wrong. I refused to get serve because their phlebotomist was in training, he poke me 4 times and still could not get it right. I signed the refusal agreement and left. No way for those charges. Please get to them, and get my credit back the way it should have been. 



XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$920.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$550.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXXXXXX + {$530.00} Needs Attention XXXX XXXX Last reported :XX/XX/XXXX + {$520.00} Needs Attention XXXX XXXX XXXX Last reported : XX/XX/XXXX + {$460.00} Needs Attention CXXXX XXXX XXXX Last reported : XX/XX/XXXX + {$350.00} Needs Attention XXXX XXXX XXXX Last reported :XX/XX/XXXX + {$100.00} Needs Attention

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 2017-12-06
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
A person by the same first name as me is showing up on my consumer report. We have different last names and I do n't know this person. Previously, in the past 2 months I have received phone calls from marketing companies asking for this person. And last week I received two pieces of mail addressed to this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I was declined by a Chase Credit card on XX/XX/XXXX after calling the credit card to ensure that I would not be denied due to a prior bankruptcy. The agent told me although it would be considered, it would not be the only factor considered. After being denied, I called Chase and spoke with 4 different agents : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX Each agent gave me a different answer with two saying that I was declined due to having very little credit history on my credit report. I pulled my credit report and found that XXXX  XXXX was reporting inaccurate information including : No payment ( I pay the entire amount every month and have since I received the card in XX/XX/XXXX ) ; no usage ( I have used the card every month since XX/XX/XXXX ), no balance ( I always have a balance which is paid off each month ) ; {$0.00} credit limit ( my credit limit is {$12000.00} ) ; no monthly payments ( as previously referenced, I pay my balance in full each month ) ; no highest balance ( my high balance is around {$10000.00} ) ; and under comments " Account in dispute-reported by subscriber ''. My account is in good standing and I filed a complaint with the credit bureau and it was subsequently corrected. However, despite the fact they found the recording of the agent telling me I should apply and would not be denied due to the bankruptcy XXXX  7 years ago and that another agent said I was denied due to no credit history, which was reported incorrectly by my credit card, XXXX XXXX, and is now corrected, they will not extend credit, even a prepaid card. Additionally, I explained that the bankruptcy was caused by my now ex-husband 's investment in real estate and the fall of real estate values in XXXX. Personally, all of my bills are paid and I have no debt. I believe they are unfairly discriminating against me because I am an XXXX XXXX over 50 years old, rather than looking at my financial situation and my demonstrated payment of all my debts after I divorced my ex-husband who still does not pay his bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Experian Information Solutions Inc.
State: MN
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:
Have disputed the collection account several times even though it is paid in full and should be taken off. It should have never been reported in the first place.

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 2020-05-08
Company: Patenaude & Felix A Professional Corporation
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company refuses to update my credit report after a settlement was made on my account and was provided with documentation as settled in full. They continue to update my credit report as late and damage my credit rating. 

Patenaude & Felix A.P.C as of XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-29
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received an email from American Express today. They closed my account. They stated it was because of some delinquencies on my credit report through XXXX. I have a fraud alert on my account with XXXX   for over 5 years. That item that they are referring to is being disputed as fraud. For the entire 4 years almost that I have had my credit card I have never once made a late payment. I spoke with a person named XXXX. Someone was in the background laughing. I am not appreciative that no consideration was given as I am a fraud victim. I can be reached at XXXX to get this rectified. They never gave me an increase the entire time that I had this account. I am not happy with this issue at all and the fact that my score will decrease because this account is being closed. I would appreciate reconsideration given. Please see attached police report and a copy of my DL to verify my identity. I look forward to this being resolved. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07
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: Public record information inaccurate

Complaint:
Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX  XXXX XXXX, FL 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 2018-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
Balance : {$9200.00} Highest Balance : {$9200.00} Opened XX/XX/XXXX ( 1yr, 2mos ) Account status : Open Type -- Responsibility Individual Remarks -- Original Creditor Name : XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Minimum monthly payment $ XXXXOpenedXX/XX/XXXX ( 3 yrs, 3 mos ) Account Details Account status : Closed Type Credit Card Responsibility Individual Remarks Account closed by credit grantor Closed XX/XX/XXXX Minimum monthly payment XXXX XXXXOpenedXX/XX/XXXX ( 1 yr, 8 mos ) Payment History Youve made 70 % of payments for this account on time. 

XXXX Current Current 30-59 Days Late 60-89 Days Late 90-119 Days Late Current Current Current Current Current Current 30-59 Days Late XXXX Current Current Current Current Current 30-59 Days Late 60-89 Days Late Last paymentXX/XX/XXXXCurrent Payment StatusCurrentAmount past due $ XXXXWorst Payment StatusNo Info Account Details Account statusClosedTypeCharge AccountResponsibilityIndividualRemarksAccount closed by credit grantorTimes 30/60/90 days late3/2/1ClosedXX/XX/XXXX SEE AN ERROR? 

You could dispute an error with XXXX. 
GO TO XXXX Creditor Information XXXX/XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, FL 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 2020-11-04
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$0.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

-- PERSONAL ACCOUNT 4. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-05-08
Company: CL Holdings LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have repeatedly disputed the JEFFERSON CAPITAL SYSTEMS attempted debt collection of {$480.00} on a XXXX XXXX account. I have no knowledge of this account and believe it was opened fraudulently by an ex-spouse. The collections account shows charge-offs starting in XX/XX/XXXX and each time I've disputed the account ; I receive the same answer " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Re-investigation Information : This item was updated from our processing of your dispute in XXXX XXXX. ". This account is not mine and I've never used this account or obtained any gains from this account. I have also never received a statement or have any other knowledge on the nature of the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 never opened this accounts and I never authorized it fraud XXXX XXXX Reported : XX/XX/XXXX + {$470.00} Closed XXXX XXXX   Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX XXXX Reported : XX/XX/XXXX + {$0.00} Closed XXXX XXXX Reported : XX/XX/XXXX + {$510.00} Needs Attention XXXX XXXX XXXX Reported : XX/XX/XXXX + {$490.00} Needs Attention XXXX XXXX Reported : XX/XX/XXXX + {$240.00} Needs Attention

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 2018-03-29
Company: Medical Data Systems, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was involved in a malicious wounding crime in XX/XX/XXXX that resulted in numerous medical bills. The judge ordered all medical bills to be paid by the guilty party. The bills were being charged to the victims protection fund at the time and being paid by them and then ultimately charged back to the guilty party. This bill was charged to me and was still paid by the victims protection fund, but sent to collections inXX/XX/XXXX and still shows on the collections portion of my credit report. This debt was not mine and was still paid. It should have never been sent to collections and should have never been assigned to me by law.

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 2021-09-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
We purchased a whole kitchen set dishwasher fridge stove and microwave it was all good till they delivered it the sales person text me made sure everything was good on day 1 when the 3rd party that they hired came to install it they installed the microwave and dishwasher incorrectly I text sales person went from How are things going to this is your problem you call them so with bad customer service we purchased a different set pack Conns set up and took it back to them after only a week we left it on the front because of covid we can not go inside he rudely said he would take care of it when he got a chance and since then this company had messed up my credit I worked hard to keep with items they have I want this removed of my credit now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-08
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XXXX IS RUNNING AN AD ON XXXX, LURING SENIORS TO WALMART MONEY CENTERS TO SET THEM UP FOR WIRE FRAUD AND SCAMMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A fraudulent company called " Voyager '' aka Invest_Voyager tried to steal {$1800.00} out of my account through unauthorized ACH withdrawals last XXXX of 2021. 

US Bank was notified of this and had to stop them from using their multiple front companies from withdrawing funds from my account ending in XXXX. A new account was created after I filed a police report and submitted it to US Bank, and remaining funds were moved to a new safe account. 

The fraud claim TOTAL amount from the MULTIPLE unauthorized ACH transfers initiated by Voyager was {$1800.00} and fully documented. However, it has taken over 6 months now to get this money back.

I have been given {$1500.00} of the {$1800.00} back. US Bank sent a message in writing to me via the CFPB stating that they could not give the remaining balance of {$420.00} back to me that Voyager had stolen because " part of it was done as a debit or credit card transaction '' which is totally false, because Voyager never had access to my debit or credit card from me or any legal means and ONLY had access to my ACH and routing which was corrected. 

So now, I have gone from Voyager trying to steal {$1800.00} from me to US Bank trying to steal the left over {$420.00} by making up excuses of credit or debit card transactions which were impossible to exist, because the fraudulent company Voyager never had access to ANY credit or debit card and ONLY ACH. 

Again, I am requesting that the remaining {$420.00} be returned to my account at US Bank. The previous message from US Bank incorrectly stated that a remit of {$100.00} was an error in my favor, but it was not an error, because the banker saw that it was an ACH transaction like all the rest and SHOULD have been returned. 

So if that will stand, US Bank still owes me {$320.00} which I expect to be returned to my account promptly. 

I have written numerous times, without response, to the direct email address provided by the liaison division for direct contact with the actual fraud department which isolates itself entirely from the public and only interacts to their intermediary via XXXX internally. Enough is enough and I need the rest of my money back. 

I have waited more than enough for a satisfactory resolution to this matter without US Bank manufacturing debit ledgers for ACH only transactions to try and keep my money. Please resolve this. 

Thank you. 

Case # XXXX US Bank

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 2021-03-31
Company: Atlanticus Services Corporation
State: NY
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:
I applied for the card was approved. No where on the application said {$150.00} annual fee the first year then {$29.00} every year after. 
I called the card people they said its nothing they can do. I asked to speak to a supervisor the same thing. After I used the card and XX/XX/21 I saw the fee. I would have never used the card if I knew their was an annual fee. 
I called them on XX/XX/21 asked them to close the account. They said I had to pay the {$150.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-17
Company: EQUIFAX, INC.
State: OH
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 have an identity theft issue and there is still an account on credit report. I previously filed an FTC and a XXXX Police report indicating the account does not belong to me. I am trying to purchase a home but unable to do so because of the fraudulent account that is showing on my report as two different items : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I, XXXX XXXX, sent certified mail to Capital One on XX/XX/XXXX, for an alleged debt. Pursuant to Fair Debt Collection Practices Act, 15 USC 1692g I asked for a debt validation, and I sent a cease and desist pursuant to 15 USC 1692c which has been ignored by capital one. They have resent me the statement for the next billing cycle, and have violated Federal Law by doing so and using interstate instrumentality to communicate with me. They have not sent any validation pursuant to 15 USC 1692g, which is also a violation as I the consumer demanded them to. Due to the neglect and clear fraud pursuant to the violations I would like CFPB to enforce my consumer rights, and rights to my specified remedy in accordance with 15 USC 1692c ( c ) ( 2 ).

Company response to consumer: Closed with explanation