BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-20
Company: Experian Information Solutions Inc.
State: CA
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:
Experian has allowed a collection agency 's debt/collection amount to remain on my credit report after they have received my letter regarding fraud/identity theft. There is a company named XXXX XXXX XXXX that I have no knowledge of, put two medical collections on my credit report for {$180.00} and {$80.00}, both which do not belong to me. I have never had any dealings with the named company, nor did the company provide me, nor Experian, validation that the debt belongs to me. The company, XXXX XXXX XXXX, did not and can not show written proof of my signature, nor did I provide them any written authorization or consent to obtain any of my medical records or history ; at which, if the debt was mine, they would be in violation of the HIPPA law, as all signatures contain personal medical history and costs of services. Again, I have no knowledge of this debt, no knowledge of this collection agency named XXXX XXXX XXXX, Experian had received information regarding my identity being compromised, and the collection agency can not legally validate to me, nor Experian, through my signature, that the debt is mine. I'm requesting that Experian please remove the Collection Agency named above and the collection debt, which is not mine, of {$180.00} and {$80.00} from my 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 2018-03-23
Company: SYNCHRONY FINANCIAL
State: CA
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:
Tjx charged {$25.00} late fee doubled the mothly fee This card is a thief likes to XXXX off consumers and charges these redicilous fees

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 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion has allowed a collection agency 's debt/collection amount to remain on my credit report after they have received my letter regarding fraud/identity theft. There is a company named XXXX XXXX XXXX that I have no knowledge of, put two medical collections on my credit report for {$180.00}, which do not belong to me. I have never had any dealings ( including medical ) with the named company, nor did the company provide me, nor Transunion, legal validation that the debt belongs to me. The company, XXXX XXXX XXXX, did not and can not show written proof of my signature that I agreed to any dealings or medical treatments with them, nor did I provide them any written authorization or consent to obtain any of my medical records or history ; at which, if the debt was mine, they would be in violation of the HIPPA law, as all signatures contain personal medical history and costs of services. Again, I have no knowledge of this debt, no knowledge of this collection agency named XXXX XXXX XXXX. Transunion had received information regarding my identity being compromised, and the collection agency can not legally validate to me, nor to Transunion, that the debt is mine. No proof of signature or written consent from me to the collection agency was ever provided by me. I'm requesting that Transunion please remove the Collection Agency named above and the collection debt, which is not mine, of {$180.00} from my 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 2019-04-20
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I NOTICED SEVERAL FRAUD CREDIT CARDS OPENED UO IN MY NAME AROUND XXXX OR XX/XX/2018 THAT I DIDNT OPEN AND I NEED ANY INFO THAT WAS PROVIDED TO OPEN THESE CARDS IN MY NAME WITHOUT MY CONSENT. I CHECKED MY CREDT TODAY ON XXXX XXXX AND I COULDNT BELIEVE HOW MY CREDT HAS DROPPED TREMENDOUSLY DUE TO THESE FRAUD ACCOUNTS. I NEVER SIGNED FOR ANY CREDIT CARDS OR APPLIED FOR A SAMS CARD NOR WALMART CARD THIS IS FRAUD AND I AM ASKING FOR A COMPLETE INVESTIGATION.

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 2020-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were so many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts from my report as soon as possible. They do not belong to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
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 is missing that should be on the report

Complaint:
In mid XX/XX/2019 Equifax took 50 points off my credit score in one day. I've called Equifax many times to find out why. Their answer has always been " we don't know why '' I don't understand these type of responses. I've never been late on a payment and I have a utilization rate of 25 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: CONGRESS COLLECTION CORP
State: WA
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:
CONGRESS COLLECTION- claims medical debt as of XX/XX/2016 for {$1600.00}. Validation letter sent requesting proof original contract with original signature, payment history and etc. No response. Dispute with XXXX  with no update information. No details were provided for such medical claim. At the time the date listed above I was leaving in XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-03
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have upwards of {$1000.00} stored on Coinbase in virtual and real currency. Due to an error on their system they said I am temporarily unable to buy currency I should contact their support. This means I can not access any of my funds stored on their exchange XXXX. Their support has not responded in over a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES 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:
Portfolio Recovery Associates is reporting incorrect information on my credit reports. This is for an alleged account number : XXXX. I sent a certified letter with return receipt which they received on XX/XX/XXXX.  This letter was asking them to verify the accuracy of this account, and to provide me with anything bearing my signature, showing my obligation to pay them. By law they have 30 days to provide me with this information and if they can not provide evidence bearing my signature they must contact all credit reporting agencies and delete the item. They responded on XX/XX/XXXX with a random billing statement but no contract or anything bearing my signature. 30 days from the day they received my first letter, I pulled my credit report and noticed the item still being reported. They have already broken the law according to FCRA & FDCPA. I gave them a second chance and sent them a letter which they received on XX/XX/XXXX. In this letter I reminded them how they have already broken the law, but if they simply have the credit bureaus remove this item, I will not pursue legal action. They still have yet to provide me with proof bearing my signature. Im going to give them another 30 days and if they do not contact ALL credit bureaus and have this account deleted. I will pursue legal action. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) If they remove this item, I will not pursue legal action and i will remove this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a jr., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX XXXX 5 ) XXXX XXXX  {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them 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 2017-11-29
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:
About two months ago I received an email that my credit score had changed. I do n't check my credit frequently, since I rarely use credit cards, but I had a check run back in XXXX for approval on an apartment, and it was fine then. So I logged into XXXX XXXX and saw my score had dropped about 100 points, because of a high number of credit cards. There were three cards listed I did not recognize at all, for credit cards that had run up late payments, were terminated by creditor, or were cancelled by user. I believe these cards were opened illegally under my name, without my knowledge or consent. One of the banks was in Delaware - I have never even been to Delaware! I figured this was an identity theft issue, so I contacted XXXX XXXX and received nothing except they could n't do anything about it, as they are not a credit company, just a provider of credit scores. I then tried to contact XXXX and Transunion directly, but they told me my answers to the security questions to access my account were all incorrect. And would n't tell me why, or how. They asked me thing about my past loans - I 've never taken out a loan! Do n't know how my answers could have been wrong. So THEN I looked at the names of the " banks '' who issued these cards, namely, the one in Delaware. I called them directly, and they could not give me any information as to how or why a card could have been issued under my name. They said I had to fax - not email, call or anything else - a claim to a specific number of a specific department, not to their " bank '' itself. Since then I checked to see if the claim I filed with XXXX XXXX  did anything - no. I have received no updates, no results on my claim that I filed, and my credit score is still low for reasons I can not explain.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: EQUIFAX, INC.
State: MO
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:
After being notified about my credit report, I seen accounts inwhich I have absolutely an knowledge of. Not sure if my name gotten mixed up due to me being a XXXX., or did someone out right steal my identity. Whatever the case may be I'm disputing the following accounts as of my consumer rights as fraud. The accounts are, 1 ) XXXX  XXXX 2 ) XXXX XXXX 3 ) XXXX XXXX XXXX XXXX 4 ) XXXX   XXXX 5 ) XXXX XXXXt {$230.00} 6 ) XXXX XXXX XXXX Please remove these accounts or provide me with a physical signed certified contract for the above accounts or remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
They run mega technology to hord info, yet their simply ineffective www.Annualcreditreport.com does not provide the single free report from each agency. 
Each one error-ed out over and over. 

We have to call in. Why?

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 2018-12-13
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax is horrible. The lowest FICO score that I have is from this reporting agency. Why isn't there ONE method of determining FICO scores! each agency is different with Equifax being the WORST! I can't log into my report on line to dispute 2 medical collections that Equifax STILL has on my credit report, while XXXX and XXXX XXXX have deleted them! I tried to get them on the phone, but after 43 minutes on hold one time and 56 minutes another I gave up! In addition I want to know why my Equifax score is so much lower than my other two credit bureau scores but without being able to access my report, it's impossible to tell!!!!!!!! 

If the government can't do anything about having these rip off collection agencies reporting medical debt on someone's credit report, then do something about freakin Equifax at least. 

For credit card loans you know what you are getting into. You sign an agreement to pay a debt. No one signs an agreement to get sick or for their children to get sick but despite this, medical debt continues to affect your XXXX credit score and with a reporting agency like Equifax you cant do anything about it because you can't access your account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} XXXX ) XXXX XXXX XXXX 4 ) XXXX/ XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX  XXXX XXXX 8 ) XXXX XXXX 9 )  XXXX/ XXXX Please block the above accounts.

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 2020-05-06
Company: JPMORGAN CHASE & CO.
State: CA
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:
When disputing two online purchases, on my business preferred ink credit card, which were never received, the Chase dispute department mishandled the case and did not hold the merchant accountable in providing documentations. 

Both transactions were for the amount of {$2500.00} totaling {$5100.00}. 

The first transaction was processed on XX/XX/XXXX for a half deposit of {$2500.00} for the purchased goods, and the second transaction of another {$2500.00} was processed on XX/XX/XXXX for the remaining order. After making the payments, I was charged a 3 % processing fee by the payment processor. 

I never heard back from the company after the payment was made and never received my purchased goods. 

After disputing the fraudulent transaction with Chase, they denied a fair case as they did not request any information from the merchant. They declined my dispute and did not uphold their purchase protection program on their business preferred ink credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019 I went on Transunions website to Dispute a collection charge on my credit report. The only way I could get to an actual working web page was to join Transunion membership. It said nothing about being charged, I figured it was for future reference if I ordered anything from Transunion but it had me put my debit card info in. Well about 5 or 10 minutes later, when transunions site failed to process my online dispute anyways, I cancelled my membership. I looked at my bank account about an hour later and they charged my account {$19.00}. From my understanding from advertisement, membership was free for Transunion and if I was going to be charged, they should have reviewed that with me and got my consent before they proceeded with my membership. Im asking to please be refunded from Transunion. 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 monetary relief
Consumer complaint received 2018-04-28
Company: JPMORGAN CHASE & CO.
State: NY
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:
In XX/XX/XXXXI received a letter stating the bank was considering closing my account. I called the bank and spoke with a supervisor who assured me that as long as I use the card it wont close. I attempted to use the card today and was declined. I called the bank and spoke with a different supervisor who told me I was lying, I had never called the bank, And that he would not reopen my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-13
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CFPB, I want to state upfront that this is not a duplicate. This complaint is in RESPONSE to XXXX   Servicing 's response to my previous complaint where in their 'book ' they stated that I, " ... will still be responsible for the loan until a full investigation has been completed and a final determination has been made. '' This company is trying to see me ( veteran, senior, on limited, fixed income ) on the street with nothing to my name when 1 ) This is NOT my loan. NO document has been supplied with MY SIGNATURE on it, and let me be clear in saying my ACTUAL, WET SIGNATURE on an ORIGINAL consumer agreement in its ORIGINAL FORM. 2 ) It is EXTREMELY STRANGE that XXXX  continues to HOUND me with this massive debt instead of FINDING THE ACTUAL ACCOUNT HOLDER!! Who is the person who signed for this loan???! Find THEM! Send THEM bills! 3 ) Cancellation is what is noted as an option in the mail I received in recent months, so I once again -- in addition to all else that's been stated -- request to cancel this loan! I have NOTHING to do with it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-20
Company: EQUIFAX, INC.
State: VA
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 these very accounts last month however the 3 major credit bureaus have ignored my request for physical valid certified documentation in support of their reporting efforts. These accounts have been placed upon me and my report fraudulently and I'm demanding that they be removed immediately. I would like your reporting agencies to provide me with the Method Of Verification used in this process., and/ or remove this accounts as of my consumer rights. 

1 ) XXXX {$870.00} 2 ) XXXX XXXX XXXX {$1200.00} 3 ) XXXX XXXX XXXX XXXX ) XXXX   XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX 7 ) XXXX XXXX XXXX 8 ) XXXX XXXX 9 ) XXXX/ XXXX Please block the above accounts.

Company response to consumer: Closed with explanation