BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-01
Company: Blitt and Gaines, P.C.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I checked the mail today and I have a huge envelope in my mailbox from Blitt and Gaines , P.C . Keep in mind it's a pandemic on top of the cities are rioting. I've lost my maternal grandparents last week to XXXX. I'm trying to buy a house and I don't need this right now. I have this company reaching out to me, stating I owe a debt to XXXX XXXX XXXX. I've tried to dispute it directly with them. However they keep sending me just old XXXX XXXX bills.I 've never applied for this account I do not recognize this account and I need the following to validate this debt is owed by me, XXXX XXXX. 

I need a signed application of when I applied for this account I need a signed receipt of any merchandise that I received from this account. 


I DO NOT WANT THIS COMPANY TO SEND ME ANYMORE INVOICES OR STATEMENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
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 do not recognize the following hard inquiries. 

Date Company Address XX/XX/2019 XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, KS XXXX XX/XX/2019 HSBC BANK USA NA, XXXX XXXX  XXXX XXXX, NEW YORK, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
Equifax is reporting negative information and blocking me credit. They have had a major breach in my data. I have XXXX XXXX accounts that information was hacked by employee and I keep getting late remarks on Equifax report from XXXX XXXX inspite of my report of account has been hacked. My XXXX and XXXX and email all have been accessed. I have a XXXX XXXX bank account that is not mine a XXXX XXXX not mine.weird people calling me and a XXXX XXXX account that is all not mine. XXXX password compromised.I do not want any late or remarks from Equifax, XXXX  XXXX I closed all the account due to suspicious activity spoke to creditor that did not inform me I had to see the local news to find out I attached proof of emails Im getting from different companies I have no dealings with that state I have opened accounts. The hackers are trying to get me. This is tough I do t want my credit report access or no late payments from any accounts that I have closed due to fraudulent activitys by hackers. I have closed all the accounts that were affected and they are penalizing me for them not protecting my information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-22
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
They are robbing people. I sought a XXXX loan and repaid it in a month, they have since charged me XXXX even though the loan was paid. I took a loan for XXXX and they mark me as owing over XXXX, I repaid the loan in a month and sure I could expect some early repayment fee or interest but this is insane and WRONG! Their website " my account '' is not accurate or transparent. Does not show what is really owed or pay off quotes. Their customer service is non-existent because they know they are stealing from you and being allowed to. Account opened XXXX XXXX XXXX for XXXX but claims a loan for XXXX XXXX XXXX I paid it back XXXX and they charged me on the XXXX XXXX, they charged me again XXXX XXXX another XXXX, and XXXX XXXX another XXXX claim I still have a balance of {$4500.00} for a loan of XXXX which I have now paid at least XXXX. I do n't want people to get ripped off I hate being screwed over and if there 's anything you can do to protect people and help people from shady lending practices here and other places then you 'd be doing a great service. I contacted Consumer Financial Protection Bureau before. I also contacted XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
File # XXXX I disputed 3 times but Transunion continuous to violate Federal Law and my rights. They start a dispute and finish it in 10 days without Verification. I attached 3 documents ( PROOFS ) from creditor that I am on time and car has been paid off. Transunion doesn't read my documents. If it continuous like that my lawyer will take a legal action both to Transunion and CFPB. See the attached files.

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 2017-09-22
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:
I saw three derogatory marks on my Transunion credit report, all from XXXX XXXX XXXX, and disputed all three. Two of them were removed, but one of them was " verified '' as me. Then the website would n't allow me to dispute again, so I called Transunion. An employee there said a last name that was not mine was associated with my account, I asked him to remove it and submitted another dispute. Transunion then sent a letter stating there was nothing they could do. I 've also contacted the collections company, XXXX XXXX XXXX, several time and spoke to XXXX XXXX every time. I 've explained the situation and they 've remained unhelpful and asked me to submit a letter of dispute. I feel as though they used me to get false information, which they 've added to this person 's account. They also gave me a lot of information on the person to whom the medical bills actually belong, such as her phone number and address. I 've contacted the hospital that XXXX XXXX XXXX told me they received the bill from, and they 're working to rectify the issue. 

The derogatory mark is still on my account, it 's for a hospital collections in Utah, when I 've never been to Utah, or been in the hospital. I 'm concerned, as through calling around I 've discovered the person it belongs to has the same birthday and first name as me. Transunion was extremely unhelpful and I 've called multiple times. The collections marks have been on my credit since XXXX and it 's XXXX now with no resolution in sight.

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 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
According to the Fair Credit Reporting Act, Section 604, a creditor shouldnt have access to a consumer 's credit information unless the individual himself gives written permission, or unless credit access is court-ordered or requested by a state or local government agency in relation to child support. These creditors did not have permissible purpose to pull my credit and I would like an investigation into the following : XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX  XXXX via XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX, XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  via XXXX XXXX XX/XX/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 2020-06-01
Company: EQUIFAX, INC.
State: LA
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 was homeless in 2012 living with different people living pillow post. Someone stole with my info and got different accounts in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-10
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: Account status incorrect

Complaint:
XXXX XXXX  snd Experian are NOT XXXX  XXXX Compliant as numerous required fields are NoT filled in completely, accurately, mandatorily and logically 200 % perfect to meet FCRA and other Compliance standards. I have attached the XX/XX/XXXX letter of XXXX XXXXXXXX Senior Vice President, XXXX XXXX who stated your credit card account was voluntarily closed on XX/XX/XXXX and has not been reported as open since. On XX/XX/XXXX, I received my attached Experian credit report dated XX/XX/XXXX which clearly documents that my XXXX account still remains IpEN despite XXXX plus demands to correct the willful FCRA violations. The XXXX  Senior Vice President obviously falsely certified that my account has not been reported as open since it was voluntarily closed on XX/XX/XXXX. Obviously, XXXX snd Experian have failed to investigate and have willfully violated the FCRA and XXXX XXXX standards by reporting my closed account as open. Stop embarrassing yourselves as once an account is marked closed with the required date if closure on XX/XX/XXXX, internal controls were required to prevent the closed account to be changed to open. There is obvious a sinister reason why my account was maliciously changed from closed to open. Thus will Cust you another {$2000.00} statutory damage claim for willful FCRA repeated unconscionable violations. If a Senior VP cant fix this, maybe the XXXX CEO can!

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 2018-11-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My savings account number was used by an unauthorized person for three transactions. Two transactions on XX/XX/2018 for {$19.00} and {$3700.00} to an unknown XXXX account I reported the very next day to both the bank and XXXX. The one transaction I did not notice was on XX/XX/2018 for {$10.00} also to an unknown XXXX account .The bank and XXXX both recognize these transactions as being fraud charges. The banks claims department sent me two letters back stating because I did not call in on the {$10.00} fraud charge within 60 days they refuse to credit the other two. They seem to think if I did catch that transaction back in XXXX the unknown person would have not been able to get any more funds as they would have closed my account. But yet my account is still open to this day. And who's to say they don't come up with the new account, they some how got this one.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-25
Company: Coinbase, Inc.
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I saw two unauthorized transactions on my account and let the company know. They froze my account and have not answered me since. So they have all of my money and I dont have access to it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
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: Problem with personal statement of dispute

Complaint:
i have tried numerous times to have this information removed from my credit report, i have never signed or given them access to place it on my report. This item has been reporting since 2017 and the amounts have been wrong and the dates and also late payments. This is affecting my ability to gain credit further.

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 2020-09-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I've written to this collection company to cease and desist and they still are trying to contact me. I do not have a contract with them nor do I owe them anything

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 2023-09-07
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/2023, I received emails from Chase indicating a credit card and checking account were approved and open. I have never applied for or obtained a Chase account. These are fraudulent accounts. I called the Chase fraud phone number on XXXX to notify them of the fraud and to close the accounts. They required me to provide my social security number and date of birth ; I reluctantly complied. They then wanted additional sensitive information including driver 's license number and employer information. I am not comfortable providing this. They closed the credit card account but refused to close the fraudulent checking account. I also requested a letter from Chase to specify the accounts are fraud, and I am not liable. They refused. 
There are no Chase banks located near me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-08
Company: CREDIT ACCEPTANCE CORPORATION
State: KY
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 looked on my XXXX credit report and noticed a repossession from a company called Credit Acceptance, I have never had a loan through this company. I disputed it with the ONLY credit reporting company that this is showing on and they refuse to remove it

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 2020-09-11
Company: JPMORGAN CHASE & CO.
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
There were 2 charges made on my credit card. One occurred on XX/XX/2020 and the other XX/XX/2020. The respective amounts being {$1400.00} and {$1000.00}. Once I reviewed my XXXX Statement I immediately notified chase bank on XX/XX/2020 ; well within the 60 day time period. I also contacted the company " XXXX '' but was unable to reach a live person at the phone number provided. I have never provided this company any documentation or authorization to make a purchase. I still do not know what was purchased. My first dispute filed with Chase resulted in a decision that the charges were valid. They offered up no information other than the reporting of the unauthorized charges should have been made quicker? I never lost my credit card so I had no urgency to close my account. It was only after review of my statement that I noticed the charges and reported them immediately. I asked for further review of these charges and Chase again is holding them valid and as of today has provided little in terms of supporting documentation that these are valid charges. It appears that XXXX XXXX is a KYC mandated company and I never provided anything to them so I am shocked at Chase 's decision. All activity was done online as well and I was the victim of a keylogger trojan virus that I found out about after at a later date. In closing I have been with Chase a long time. I pay my bills on time and have had little issues in the past. This is a surprise to me and at least I want to see the supporting documentation that Chase has in this matter. I remain wholly unsatisfied with the decision. Best Regards. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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 is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. ED FINANCIAL/ESA XXXX Balance {$0.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$1400.00} ; XXXX DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2300.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3700.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$2200.00} ; US DEPARTMENT OF EDU ( Original creditor DIRECT LOANS ) XXXX Balance {$3200.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions 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:
Complaint filed with XXXX XXXX, XXXX and Experian regarding unauthorized and unverified accounts on my credit report. Information is misleading and goes against the FTC Laws ... FTC report filed due to information on my credit report that is not accurate. Report is attached please delete all 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 2023-02-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
Malpractice sales, scam people with false benefits information and maintenance 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 explanation
Consumer complaint received 2022-11-21
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
The problem is I financed furniture a year ago. I had 1 year no interest. I paid off my furniture on XX/XX/2019 so why do I still have a balance on my account. Yesterday someone called offering me money I told them my account is closed they said no XXXX the manager need to close it out. Called back today spoke to receptionist she says XXXX says haven't closed out my account and don't know when it will be closed out. This is unacceptable. I will never deal with this company again. Don't want my credit ruined behind a open account that should be closed.

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