BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: IL
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:
Equifax deceptively keeps a dispute open where the issues have been resolved. The two collection agencies who reported wrong addresses on XX/XX/XXXX have retracted that misinformation and returned files to XXXX due to " fraud '' in their words, not mine. XXXX agreed in a XXXX  exchange to delete XX/XX/XXXX hard inquiry. However, Equifax continues to demand items from me for no other purpose other than to cover-up their complicity and/or negligence in compromising my information and creditworthiness to rogue employees at XXXX. My address is the same since XXXX, phone number the same since XXXX, cell phone the same since XXXX, email the same since XXXX. The fact that Equifax allowed rogue employees to change information on my file adding wrong addresses and even changing my phone number is not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Experian Information Solutions Inc.
State: WA
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:
XXXX XXXX XXXX XXXX continuously fails to report correct date of last payment, balance information, and fails to timely report all of the above information to all 3 credit bureaus at the same time, often not at all. I have continuously have had to initiate disputes to update the reports to get correct information reporting. Please correct this problem in your computer systems reporting to all 3 bureaus as well as delays by 1-2 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 2021-05-04
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
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:
This info is wrong and needs to be checked out and verified

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 2018-04-25
Company: Williams & Fudge, Inc
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I RECEIVED REPEATED CALLS FROM XXXX XXXX AND XXXX XXXX STATING THEY WERE FROM WILLIAMS AND FUDGE. I REQUESTED WRITTEN VERIFICATION OF THE DEBT AND A STATEMENT. THEY REFUSED TO PROVIDE BOTH. THEY STATED THAT THEY DID NOT HAVE TO FOLLOW THE LAW. I SAID I WANTED AN ADDRESS TO DISPUTE IN WRITING. THEY REFUSED TO GIVE ME THE ADDRESS. I ASKED THEM TO STOP CALLING AS THEY WERE REFUSING TO FOLLOW FEDERAL LAW. THEY USED ABUSIVE LANGUAGE AND HUNG UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Recently I suspected that my identity has been stolen due to the amount of calls and emails I receive about accounts and collects that do NOT belong to me. I also am aware that my information was exposed I about 5 different data breaches. The 2014 XXXX data breach, XXXX data breaches, and XXXX  Data Breach. The breaches put my information at risk and resulted in fraudulent accounts being opened in my name.

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 2020-08-23
Company: JPMORGAN CHASE & CO.
State: GA
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:
In XX/XX/2019, I was considering hiring XXXX for our wedding but after receiving threats and horrible customer service, I wrote a XXXX review exercising my right of freedom of speech as a citizen of the United States. XXXX then threatened to cancel my contract, although in the contract it stated both parties, me ( the consumer ) and the company had to agree to cancellation, instead they forged a false signature that is not mine and threatened me with a NDA for exercising freedom of speech. Moreover, this company has done this to many couples and clients ; just go look at the reviews they havent had deleted. I was using my chase credit until the company cancelled my contract, and although I explained this all to chase, chase still added the fraudulent charges to my credit. Additionally, chase never listened to my plea regarding XXXX fraudulent tactics and instead reported charges for a service we never received but was charged for. I was never asked to see my real authentic signature, nor can a citizen be punished for writing a XXXX review. XXXX has provided false documentation and I refuse to pay for something I did not sign or agree to. A contract must have an offer and acceptance. XXXX committed Fraud ( namely false representation of facts ) and Chase did not authentically investigate, they only accepted an old contract that was not my signature. JPMorgan Chase is trying to make it harder for its credit card customers to sue the bank in court because of their scamming tactics, but my lawyer and I will fight this until fair business is done. Nevertheless, the XXXX party was coercing and threatening me to sign the new agreement. After I wrote several complaints, XXXX  offered to reinstate my contract and wrote a new signature is not needed, but I never agreed or signed the new contract they tried to force upon my husband and I. I did not sign any revised contract. My own signature is not on the contract. Additionally, to Chase, I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding this item that is listed on my consumer report. As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I went to close my BBva checking account XX/XX/2018 I sat for twenty minutes while XXXX at the XXXX branch stared a a computer screen which was supposedly loading slow. He says he closed the account and refunded me the {$6.00} cents in the account. He then tells me he can't close the account until the pending transactions clear. The pending transactions were less than XXXX dollars. He warns me not to use the debit card and I leave. I am reading my email XX/XX/2018 that they paid a debit that I haven't had transferred yet knowing I had XXXX balance in the account. The debt was XXXX plus XXXX dollars NEF fee. I had opted out of overdraft when I got the account but they kept paying after I told them several times not to do it. I refuse to pay a debit to s closed account. I did not give them authorization to pay it

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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 a fraudulently account reporting to my credit by XXXX XXXX XXXX. I have submitted the FTC paperwork and my CFPB complaint to all three credit reporting companies. The only company that did a proper investigation was XXXX. Which deleted this fraudulently account from my credit report. XXXX and Trans union didn't respond to my paperwork, nor did they do a proper validation. 

This account has fraudulent charges that were added to it and I have provided all of the proper documentation but the only company taking it seriously was 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 2020-08-20
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 didn't open any of these accounts I am apostate this is happening to me, please remove this from my credit report thank you. This is Fraud and every level and this need to stop I'm very stressed out that this is happening to me again please remove this from my credit thank you in advance.

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 2021-03-25
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
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:
id theft victim this is a fraud account XXXX XXXX XXXX charter {$840.00} this is not my account. please see attached id theft report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-17
Company: S&S Physician Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX has been contacted via letter asking for verification of debt. Ive asked on three different occasions to send contract with my signature and copy of my identification. The only reply Ive received is a letter stating they verified the debt with their client. The debt total is {$540.00} and I need to see a bill, the signature from me and copy of my identification from the day of service. This should be apart of their file and proof of my debt validation. Not just a letter stating its been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: I.C. System, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is sent in response to collection that was placed on my account and that has inaccurate information. I am requesting that you provide verification of this debt. As I have proves that this account was settled with the previous collection agency and then sold to you and if I believe that is against the law. 

Please send the following information : The name and address of the original creditor, the account number, and the amount owed. 

Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation of any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent and a written explanation why it was sold to you from XXXX collection agency. What you provided in the previous dispute was just a bill which doesnt prove anything. 

Please also note whether this debt is within the statute of limitations and how that was determined. 

Please also forward details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. 
By law you are required to provide me with all the information requested if you can not do so you will have to delete this from my credit history. 

Sincerely, 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 2021-05-04
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: Information belongs to someone else

Complaint:
IM A VICTIM OF IDENTITY THEFT, I NEVER AUTHORIZED THESE ACCOUNTS. THE ACCOUNTS ARE HURTING MY CERDIT SCORE AND I FEEL FURTHER VICTIMIZED BY THE BUREAUS AT THIS TIME

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: EQUIFAX, INC.
State: WA
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:
Company continuously delays reporting information timely to all 3 credit reporting agencies and/or producing billing statement. Correct information on one report and incorrect information on the others. Current balance, payment history, and date of last payment needs to be updated on all 3 reports consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter to the credit bureaus more than 30 days ago and received no reply. I sent a follow up letter and received no reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
So I was thought I was booking a home for vacation, I sent the money through XXXX with my bank app, u.s. bank. And it was a scam. After I sent the payment I got another message from another person saying it was a scam. So I went to my bank 20 minutes after the transfer to see if there was anything I can do and they claimed we couldnt. 
On XX/XX/XXXX I sent {$1100.00} through my XXXX  with my banking app Im sending over a copy of the agreements that was sent. I have signed copies on my end but theyre at home.

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 2018-04-25
Company: JPMORGAN CHASE & CO.
State: CA
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 started a banking relationship with Chase bank, I made a couple purchases on the card and paid back account in full. My accounts were closed within the first couple months. The reason I made such large purchases was to meet the spending bonus that they offered within the first three months. I opened separate business accounts for my business and never even made a purchase before the accounts were closed. I feel that this decision was unfair and unjust. Please open my accounts asap. I have perfect payment history on all my credit. The last four numbers of the accounts are listed below. 

Thank you, XXXX XXXX Chase Account numbers : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several accounts that are appearing on my credit report that I do not recognize, nor are they mine. Please remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
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: Account status incorrect

Complaint:
This account is not reporting correctly. This was a corporate loan that did not require a personal guarantee. I have disputed this account but no one pays attention to rectifying the needed corrections. This account was paid off and not late.

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 2020-08-23
Company: Self Financial 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:
XXXX XXXX is reporting a secured loan to my credit report, showing a balance of {$720.00} but I dont have an account with XXXX XXXX or the Self lending app. 

My admin fees failed when I tried to apply and they mistakenly reported the installment loan to my credit anyways. 

On the Self app its telling me to create account which definitely means that I dont even have an active and open credit builder account with them. 

I called Self and XXXX XXXX and tried to resolve it but they seem to not care to delete their error. 

I dont even know how Im suppose to make payments on account I dont even have. 

Can you please investigate and delete the account below. 

The account number is XXXX Date opened : XX/XX/2020  Original Loan Amount : {$720.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: First Credit Services Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
A company called first credit services is calling me daily every day about a debt with an unspecified amount. They call from a different state every day during my work hours. I am not entirely sure what the debt it for but I suspect it is for a gym membership from XXXX XXXX in XXXX, KS. I had a gym membership. They overcharged me, also were not submitting charges to an on file payment for two months and then notified with a large bill. I could not meet with them in person for XXXX  and they would not return my calls or address itemized charges via email. I made a payment towards correct charges so would continue the dialogue on incorrect overcharges and needed credits. They might have sold debt not with credit. Their online system would not show details of charges to review nor dispute. They cancelled account and sold debt w/in XX/XX/XXXX days of notification to try and resolve. I believe it was sold to this company. I had one conversation w/the First credit services in XXXX of XXXX and they have not provided written itemization of debt, debt total, who the debt is from, and the original contract as requested. I have not received any written notice to try and dispute the debt and they call everyday sometimes 2x a day. I will not speak to them until I get a written detailed notice as there is no point if I can not see the itemized debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
as you may know I encountered identity theft before and it seems that many inquries has begun to start appearing on my credit report such as 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 ... ..there is also a car loan from XXXX XXXX XXXX that ... 

there are also incorrect spelling of my name neither one of them is how you spell my name My XXXX card is also report that I was late on a payment which I was not im confused to whats going on I have a identity lock on my social but they still let people run my credit without my consent ...

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