BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-03
Company: CONTRACT CALLERS INC
State: AZ
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:
Contract Callers Inc was listed on my credit as a collection for XXXX XXXX XXXX XXXX XXXX XXXX, the local utility company. I contacted them to request the removal of this unfair accusation of owing {$550.00} to the utility company. I asked the agent I spoke with to provide proof that I owed the funds to XXXX. The agent refused and demanded payment in full. When I refused to pay a debt not owed and unverified as being owed, she ( CCInc 's collection agent ) threatened that their debt demand would stay on my credit forever and not be removed at all, if or until the full payment was made. I asked again for verification in writing and explained that no document or demand was ever sent in my name concerning the alluded to amount neither from XXXX or CCInc. The agent continued to refuse to send me proper notice of the demand. I have contacted Contract Callers several times over three years to request fair removal of the collection from my credit reporting on all three bureaus.They have refused and continue to update and maintain information that I have repeatedly asked them to verify as mine only to be steadily refused. I have been threatened with them maintaining this information without any attempt on their behalf to provide the correct documentation of the original agreement or debt and file verification.I have not been treated fairly under FCRA. 

In terms of Contract Callers Inc stating that they are simply collecting for XXXX, XXXX states that an account that was closed was purchased by CCInc. XXXX has never stated or sent demand for any monies owed by myself or any family member. CCInc collecting on behalf of XXXX has been a main reason stated for non-removal of the demanded debt. XXXX made it clear they do not use third parties to collect debt, but they in fact sell accounts to collection agencies. Contract Callers Inc is a collection agency that XXXX sells debt to.

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 2022-11-02
Company: EQUIFAX, INC.
State: TX
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 sent letters disputing fraudulent accounts on my credit report. I never receive any response from the bureaus for 4 months now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
My name is XXXX XXXX, I am a citizen of XXXX. 

In XX/XX/2023, I used my debit card in order to buy an expensive XXXX XXXX on an online web shop that has been very professionally done. I got a confirmation of buying an XXXX XXXX for XXXX EUR ( see invoice invoice_krak.pdfin attachment ). In reality the web site happened to be a fake and disappeared after several weeks and some criminals used the information that I provided on this fake web site about my credit card and my driving license in order to buy Bitcoins on a US bitcoin market Kracken.com. 

My bank made a Cashback request to Kraken.com, and they got a printout of bitcoin purchase ( see bitcoin_purchase_by_criminals.pdf in attachment )., but Kraken refused to pay money back saying that I authorised buying of Bitcoins and got the product. 

I want to state clearly here that : I NEVER authorised any Bitcoins purchase and never provided Kraken with my driving licence information. Criminals did it instead of me.I NEVER got these Bitcoins. 

I contacted Kraken.com and asked to help me to solve this case, however got an answer from their legal that they are not giving information to private persons about OTHER peoples accounts, they can only talk to police. ( see " mail from Kraken support.pdf '' ) I do not agree with Kraken due to several reasons : 1. The account is MY ( not OTHERS ), it has been created using MY driving licence data and MY credit card data.

2. The Kraken.com has severe problems in the way they sell their Bitcoins. Knowing the nature of the cryptocurrency : a ) they did not check that my driving licence was real. XXXX can be used in order to change picture or any data in it. 
b ) they did not check that the Driving licence/Credit card data has not been stolen or blocked ; c ) they did not check that I am still alive ; d ) they did not check that I personally confirm this transaction and not forced to buy Bitcoins by criminals in ANY way e ) they allow third party members ( criminals ) to open accounts using not their own ID/credit card data. 
f ) they send information about Bitcoin ( money ) value and key to Bitcoin to any email address provided by criminals without checking that email address belongs to the owner of ID card/credit card 3 ) By doing items under 2 ) Kraken indirectly support criminals, who knowing their weak points create fake web shops and steal peoples money together with Credit card and ID cards data. 

I contacted XXXX  police and they opened the case, but they can not help me because XXXX  police does not have International authority to deal with a company registered in US. 

Please help me to get my money back. XXXX  EUR is a big amount for me. I don't know whom else should I ask... 

Thanks in advance. 
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 2024-01-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
I purchased a home in XXXX, the loan eventually was transferred to Chase. In XXXX, I refinanced with Chase. A loan from Chase refinanced with Chase in XX/XX/XXXX. I am now attempting to sell the home. Upon title search it was discovered that there are 2 mortgages open on the property. Chase didn't perform their due diligence and never closed the initial loan. Now I am unable to complete the selling of the home. I have contacted Chase at length. Beginning on XX/XX/XXXX asking for a lien release. I called XXXX on Monday XX/XX/XXXX, escalated to a manager was told I would be contacted in 48 hours. I provided countless documents through the escalation office, including the closing documents from the refinance with Chase that includes the initial loan account # as well as the new account number that was eventually transferred to XXXX. I have called, emailed and although once or twice I received confirmation that a lien release was appropriate, that information has been followed up with another email stating it wasn't. 
I have called, emailed, escalated. The closing for the home has passed and now I am responsible for another month of mortgage. Every time I have contacted Chase, either through the lien release department or the escalation department I have been told they need more time. 
This request has not been taken seriously. We have relocated due to employment changes, we are paying two mortgages at substantial financial distress, we have a buyer but due Chase 's clerical error I have not been able to close. 
If I were to lose the buyer to the home due to their inability to provide the necessary documentation, they would be liable. I have given them the time and documentation they have requested. They have failed to follow through or comply with my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX is reporting on all of my credit reports that I have a charged off account with them. I have never had any accounts, credit cards, etc. with XXXX XXXX. I've disputed this with all 3 credit bureaus and keep getting a response that says this information " has been verified '' and if I don't agree with this decision, I would need to contact XXXX XXXX myself. So I did, and told them they need to stop reporting this erroneous account on all 3 credit reports. They ( XXXX XXXX ) have failed to respond to my request and the erroneous accounts are still showing up on all 3 credit reports.

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 2023-11-04
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: Information belongs to someone else

Complaint:
Im begging you please remove this to the credit 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 explanation
Consumer complaint received 2022-11-02
Company: SYNCHRONY FINANCIAL
State: CA
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:
XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} XX/XX/XXXX they said i paid {$100.00} this account has had fraudulent charges made on it going back to XXXX fight to get fixed. 
asked them for records for the charges they wont help. they added fake payments to the account making it look like i used it. then sold to debt collection service. 
I have proof look at uploaded credit report picture the account balance is the same after fake payments and fake dates of payments fraud want this syncb/amazon account remove for inaccurate reporting on my credit report syncb is doing fraud syncb/amazon

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 2018-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
I have a letter from IRS showing paid Lien for 2008 paid in full and XXXX and XXXX have removed it but Transunion wo n't take it off. I went to Tax court and everything yet they wo n't remove it! 
It is keeping me from being able to get credit and loans.

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 2022-11-02
Company: EQUIFAX, INC.
State: PA
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 deleted are listed in my report. 

I am writing to delete the following information in my file. The items I need deleted are listed in my report. 

I am a victim of Identity theft and did not make any of these charges. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commissions, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/14 called Atg credit llc spoke with XXXX and he said I owed XXXX dollars he said it was a recording call and when I told him I contacted original collectors he got very defensive and his tone increased and was very unprofessional. Then he pretty much threatened by making a statement that if I dont pay he would just report it to the credit buero and laughed, this is all recorded as well. I informed that theres no proof of this bill owed with the original creditors and it was a messy call. Point is this needs to get removed off my account as there is no account that was sent to them from whom they claim sent it and I never received any mail. This is uncalled for and this person working as a credit debt collector for that agency should be fired. Making threats and not keeping the call professional and making it personal is just absurd and the fact that I reached out to contact the original creditor company and there is nothing is just mind blowing yet the collection agency says that there is, well where is the proof?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I XXXX XXXX is not knowledgeable of this debt and it is not mine it appeared on my credit and I have been going back in forth to get it removed as it is affecting my financial freedom and way of living by reporting negatively NCB MANAGEMENT {$1800.00} ACCOUNT # XXXX DATE XX/XX/2018

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-09
Company: EQUIFAX, INC.
State: AZ
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 pulled my credit report on XX/XX/XXXX and noticed that a company XXXX were reporting 90-120 days late. I don't recall this to be the case so I sent them a certified return receipt letter on XX/XX/XXXX and on XX/XX/XXXX asking for verification of the late payments with my signature. They sent me a copy of my contract. I am not disputing the debt as this account is paid off. I'm disputing the error in my payment history that are being reported. I sent certified letters to all 3 credit bureaus and did not get anything resolve with them either. I did not get anything back from any of them showing this reporting is correct. I don't believe it is fair to report this error without giving me proof of such. I am requesting that they provide my proof of these late payments or delete this error right away. This is gravely affecting my credit scores and needs to be removed immediately. I am sending a letter today to the Attorney General Office and the Better  Business Bureau as I want this to be taken care of right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions 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:
I have been disputing 2 fraudulent XXXX XXXX XXXX accounts on my credit report with Experian since XXXX of XXXX because I did NOT authorize these accounts and are unknown to the nature of these services or provider. I wrote Experian and mailed disputes certified mail # XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX requesting the method of validation/verification of alleged debt since they said they verified the accounts. I never received any proof of validation/verification of alleged debt from Experian. Meanwhile XXXX and XXXX have since deleted the two XXXX XXXX fraudulent accounts from my credit report. Hum I know why they deleted them from my credit report because they could NOT validate an inaccurate fraudulent account. I have since filed two FTC reports regarding this identity theft one on XX/XX/XXXX and the other on XX/XX/XXXX. I mailed Experian a copy of the FTC Report # XXXX. 
I am a victim of Identity theft. These items on my credit report are from unauthorized use of my social security number and card. I did NOT authorize these accounts to be taken out in my name. I am unaware of any of this. 
HOW DID Experian VERIFY AND VALIDATE THESE ACCOUNTS? VERIFIED BY WHO? THE EOSCAR MACHINE? EMPLOYEE? WHICH ONE? WHAT DATE? WHERE IS THE VERIFICATION AND VALIDATION THAT Experian says that they HAVE BUT they are NOT WILLING NOT SHOW IT TO ME? EXPERIAN SAY ITS MINE BUT I CANT SEE IT? EXPERIAN WILL NOT SHOW ME VALIDATION OR VERIFICATION BECAUSE THERE IS NONE THIS IS FRAUD. AS A CONSUMER I DEMAND THAT EXPERIAN DELETE THE ACCOUNTS IMMEDIATELY.

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 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: NJ
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 sent letters to XXXX over a month ago about them reporting late payments on a charge off account and how it is illegal and for them to remove the accounts and how they are invading my privacy reporting such accounts that makes it detrimental for me to receive credit cards, purchase a home etc. I have asked them to remove the late payments/accounts XXXX and XXXX XXXX this should not be reported on my files as they are charged off making them income.

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 2023-01-21
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a letter from XXXX XXXX stating that " Action needed to process your credit card account application # XXXX ''. 
I DID NOT apply for this credit card. I called XXXX XXXX at XXXX to tell them it wasn't me who applied for this cardt and they said I needed to call Equifax and file a complaint for Fraud right away. I logged into Equifax and found this Hard inquiry on my account See Below : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX, CREDIT BUREAU DISPUTE RESOLUTI, XXXX XXXX, IA XXXX I have no idea who this is or why there would be a Hard Inquiry on my account. Equifax told me that I can NOT remove it or Dispute it until I file here and send them a copy of the report from here. Equifaxe also told me to file a police report BUT ... .how do I file a police report when all I have is the info I saw on Equifaxand aa letter from XXXX XXXX saying that they can not process the credit card because they need more info from me. 

I am so confused and now worried that someone is applying for credit cards using my info. Can you help me? 

Sincerely, XXXX XXXX XXXX XXXX, NJ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: NC
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 sent multiple letters to Equifax, XXXX, XXXX and XXXX XXXX to remove 1 late payment and no one has responded to my inquiries or helped me. I know I am supposed to receive a response within 30-60 days and it has been longer than that. The late payment is a billing error and is a violation of my consumer rights.

Company response to consumer: Closed with explanation