BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-13
Company: Rushmore Service Center, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX Rushmore service center no caller Id XXXX XXXX XXXX XXXX XXXX XXXX North Dakota XXXX XXXX Did not have consent to call cell phone *as follows with TCPA laws and regulations. 
He stated that he will not argue with me, when I wasnt arguing with him he was very rude, but the way that wasnt his first time calling my CELL PHONE from a business with PRIVATE CALLED. He asked to speak with me but before he knew it was me he just gave me debt information and I asked him why is he calling from a private number and he stated he have no control over the phone number and I asked one more time why not from the company phone. 
Did not verify information went right into the mini miranda and asked when can I pay in full of {$500.00} from XXXX XXXX credit card. I asked him if I can speak with a manager, he placed me on hold for 2 seconds and stated no manager was available. I mentioned I will be contacting my lawyer. 
I also mentioned the second day he called private to NOT CALL MY PHONE he said okay and hung up and called me again next day less than 12 hours away. 
Not to say the debt isnt mines but he violated my privacy. 
The dates for the unknown calls are 2 calls on XX/XX/2019 ( NO CALLER ID ) @ XXXX & missed call at XXXX 1 call XX/XX/2019 ( NO CALLER ID ) @ XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX ( XXXX XXXX ) is considered as fraud to me I have contacted Equifax to remove this account because its fraud which has been reported to me and was removed from XXXX & XXXX, I have contacted them a few times about this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: EQUIFAX, INC.
State: NC
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 submitted the documentation to Equifax to remove the fraudulent accounts from my credit report and Equifax did not remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14
Company: U.S. Auto Sales Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I voluntary surrendered a car US AUTO HOWEVER IS STILL REPORTING A high balance on my credit. I never received a sold statement from this company but they have placed on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: SUNTRUST BANKS, INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
This is the second complain that I'm filing and I wont stop until I get transparency from this lender and the CFPB does something. 

The situation has even gotten worst since my first complain. My original complain was that suntrust wasn't applying my over payment to my principal balance. Now suntrust is charging me late fees? HUH someone explain if my monthly note is XXXX and i pay XXXX biweekly on auto draft ( never bounced ) how can i be late when suntrust in writing replied to the CFPB that i had made three payment in advance in my account. 


Someone from the CFPB needs to look in to this.

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 2018-07-27
Company: EQUIFAX, 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:
XX/XX/XXXX, acquired an auto financed by XXXX XXXX, on XX/XX/XXXX, I personally delivered paid in full check for the auto loan account to the bank. Since that day XXXX XXXX, Equifax, and XXXX continue reporting the account as open and with balance. After multiples call to the bank and opening tickets for investigation credit agencies continue reporting wrong information. Disputed twice the account in the subject on all three agencies and they keep saying and reporting the account is correct even when I had sent them and they had confirmed the reception of paid off certification that i had from the bank. Both the bank and Credit Report Agencies are violating the Fair Credit Reporting Act. I Cant keep calling and disputing the account when they are ignoring supported document of the paid account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I filed a police report ( # XXXX XXXX ) with XXXX XXXX XXXXXXXX XXXX XXXX ) regarding a wire transfer in the amount of {$26000.00} for a purchase of a house through XXXX XXXX / Randolph Brooks Federal Credit Union. The wire transfer appears to have gone to a fraudulent account. XXXX XXXX instructed me to contact the XXXX Fraud Department. 

Eventually I was able to only recoup approximately {$1500.00} after my wife, who has since passed away, was the looking into the lost funds. I was able to locate the original XXXX  report ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: Coinbase, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Case # XXXX I created an account about a week ago. I provided multiple documents ( Drivers ID, Employment Card ) and a selfie to verify my ID. My account was then verified. Even after this process buys and deposits have been 'Disabled ' since the creation of my account. I went through the proper channels to fix these but was told that specialists would look at my case. I reported the problem a day or so after creating the account but haven't herd back. This happened to me before with a previous account that I ended up just closing after not getting a response for weeks. The date of this complaint is XX/XX/2021.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX This account continues to appear on my TransUnion Credit Report. It is not my account. 

This account is in someone else 's name. The name its under is XXXX XXXX. My name is XXXX XXXX I've tried to sort this out with the company and with credit bureaus and XXXX and XXXX have removed this account from my credit bureaus but TransUnion and XXXX XXXX  have still continued on. 

I am asking kindly, for the removal of this invalid account from my credit reports. All of them ... this includes XXXX. 

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 2022-08-06
Company: Paypal Holdings, Inc
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
This is the second time I have an issue with PayPal not following up on a fraudulent vendor. This one is new and just starting to scam people so PayPal will have hundreds of claims in the next few weeks. There is a website XXXX that is advertising exceptional pricing in their catalog of items. I was not aware of it until after my transaction that came after i XXXX the XXXX XXXX I was trying to purchase at a savings of nearly 40 %. I placed an item on hold in the cart as I was researching and comparing models. I received a reminder from XXXX reminding me the special offer was about to expire so I opened the link to pay and this took me directly to PayPal. At this time, you think you are paying this company but it actually processes the payment as a transfer, only you do not see this until after you complete the transaction. Then you see that the money went to a XXXX XXXX and an email of XXXX Then, Paypal responds the transaction is not covered by their Purchase Protection and you are basically " XXXX  '' ... PLEASE HELP!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-02
Company: ALLY FINANCIAL INC.
State: KS
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I am a XXXX American I have been treated wrongly be Ally auto loans I have made XXXX payments to this company and they have added XXXX of extra fees amd late charges the currently have my vehicle out for repossession and say that I have only made XXXX payments and the rest of my money goes to there extra finance charges they sent people to my residence at XXXX and beat on my garage doors and make threats to me and my wife this company is very unprofessional and greedy I call in and no one can explain all these extra charges I can never get my account current because of everything they add in the charges get more and more

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 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

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 2023-05-10
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did not receive a validation letter or any other communication from the collection company MIDLAND CREDIT MANAGEMENT and yet I just found out on my credit report that I have a major derogatory mark as of XX/XX/2023 because MIDLAND CREDIT MANAGEMENT reported to credit reporting agencies as a Debt Buyer of {$1000.00} which I had no opportunity to dispute since I was not contacted by the MIDLAND CREDIT MANAGEMENT and now it is marked on my credit report as overdue for two months ( XX/XX/2023 and XX/XX/2023 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I placed a complaint recently ID # XXXX, I would like to retract. on further investigation it was a credit card take over fraud, their only fault was nor training their customer service to recognize potential fraud. the dispute was resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-16
Company: JPMORGAN CHASE & CO.
State: ID
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:
I received a bill in the mail from Chase for a credit card I did not have. Although it looked legitimate, I doubted that it was real. I looked up the phone number on the actual Chase site and called. After verifying my identity, they confirmed that the account had been opened and marked it as fraudulent. They notified me that the individual that opened it used 'my social security number ' and they are investigating it.Charges of {$5600.00} on that card that had been opened for the full bank statement duration. 

Chase told me to contact XXXX and supplied me with the number. I called XXXX and opted for the credit freeze option. 

My concern is this may be just the beginning of accounts opened in my name although the credit report I viewed showed no activity, I recognize that it and possibly others simply may not be logged yet. 

Chase is handling it correctly, XXXX took proper action in my opinion. I'm simply wanting to ask if there's more I should be doing to lock down my Social Security number to better protect myself. 

Please help where you can. Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was called from a XXXX  Police Station Phone Number, saying my SSN was compromised and I have a warrant on my head. They asked for money to clear my name and such and asked me to transfer saying they have police waiting to arrest me if I don't. 

They didn't ask my SSN but they asked other informations and such. 

My bank is Chase and .. i regrettably wire transferred money XXXX to their XXXX XXXX account. 

I called the police number without accepting the call from them first when they asked me for more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Genesis FS Card Services, 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: Old information reappears or never goes away

Complaint:
I have called the company they told me they would close it but if an account is closed why is it showing on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Northstar Location Services, LLC
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repetitious phone calls by XXXX XXXX with Northstar Location Services LLC XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX - from XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX from XXXX XX/XX/XXXX from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: AMERICAN EXPRESS COMPANY
State: NH
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: Was not notified of investigation status or results

Complaint:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by American Express bank of several accounts established with his information without his consent. A police report detailing this event was filed concerning this and was sent to American Express XX/XX/2018 however as of this date American Express has failed to send a reply concerning the outcome of the dispute results. The fraudulent accounts established are ( last four acct numbers XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ). American Express has an obligation under FCRA to provide my client with status of this investigation within 45 business days, maximum.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
i have disputed " The XXXX XXXX '' with XXXX, Equifax, XXXX  multiple accounts and it seems all these accounts have been removed from my XXXX  reports and it hasn't been removed from XXXX & Equifax and all bureaus are supposed to have consistent information. it is a charged off with a balance on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-04
Company: CCS Financial Services, Inc.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently saw my credit report and saw a collection agency who has never reached me or sent me anything proving I owed money placed a debt on credit report without my knowledge I do not owe this money to this company please delete immediately

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-30
Company: EQUIFAX, INC.
State: VA
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:
Violation of consumer rights 15 USC 1681 ( A ) ( 4 ) right to privacy 15 USC 1681 ( b ) ( e ) false information 15 USC 1681b ( a ) ( 2 ) need written permission 15 USC 1692 ( f ) unfair practices

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 a victim of identity theft and I write to dispute certain accounts in my le resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit le that resulted from an alleged identity theft. These accounts are unknown to me. Also, the information you provided on the accounts is DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on the accounts are mystery to me.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 2021-07-15
Company: EQUIFAX, 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:
Equifax refuses to remove unauthorized in queries from my credit report after informing them that Ive been a victim go identity theft and that my personal information was leaked onto the " dark web ''

Company response to consumer: Closed with explanation