BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: Bread Financial Holdings, Inc.
State: GA
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:
In XX/XX/2017, I noticed that multiple cards were opened with my information under XXXX   bank and used up to the limits. I contacted XXXX and the credit bureaus to inform them of fraud but both refused to research the claims and proceeded to place these cards on my credit file. As a result, my credit has been damaged. I have requested proof that I signed paperwork permitting a credit card with this company and have been provided none.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022, my chase account had been locked. I didn't know why but it asked me to call them so I call them assuming I was speaking to an advisor from Chase but she told me that they closed my account and couldn't tell me why. So I had to call Chase again from their primary customer service line but the second advisor XXXX told me my account got closed due to " me calling in a deposit that was missing '' but I didn't make a call. Why can't they look up the phone number that called in and look into that. I had attempted to go the branch but they told me there was nothing I could do and my account would be closed forever. I've never had this issue before and I have deposited checks before that have never bounced or were fraud. The fact chase will not be willing to help me even thou my account got comprised. I had lost my lost card a prior month and I don't know if that has to do with it. But they also refuse to do chargebacks on charges I didn't do. I would like my account reopen or for them to look further into it. Or remove it from my credit so I could open an account with another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
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 am writing to inform you that I have several items reported on my credit file that I have no knowledge of and is not mine. For one : : XXXX XXXX ( knology ) {$300.00} XXXX XXXX ( XXXX ) {$30.00} XXXX XXXX {$580.00} * these accounts are fraudulent and should not be reporting on my credit file. I have never had any service with XXXX or XXXX XXXX. 
* As a customer, customer are not allowed to have several accounts, I am curious to know why there are two accounts from the same company reporting on my file.

* The mishandling of this information is a breach into my file.

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 2017-08-01
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, XXXX, Experian. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and XXXX refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both XXXX and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days

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 2020-12-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a Identity theft victim. This is the worst thing that has happened to me. I've had perfect credit for years. There are two accounts that were opened fraudulently on my credit profile. I request that they be removed immediately! I have uploaded my Identity theft report, the description of the items and my other supporting documents!

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 2021-04-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased a Motorcycle In 2006 had in it Financed through HSBC. We had paid this loan off over a decade ago. I have recently sold this motorcycle but am not able to get the title to sign over to the new owner because HSBC still has a lien on the motorcycle. I have called the number that their customer service refereed to me as the department that deals with the lien and the number they provided to me just rings. I also was told to email the request with vehicle registration which I did and have not heard anything from them. Like I mentioned the motorcycle has been sold and new owner wants title asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
XXXX XXXX XXXX. XXXX is a fraudulent account that XXXX XXXX XXXX keeps reselling and the credit bureaus keep reinseting it without prior notification to me along with not taking into account that this is the same fraudulent account that was already removed from my credit reports. All of the documentation has been submitted to the credit bureaus along with the involved companies and the credit bureaus has failed to bock this account. XXXX, Transunion, XXXX. XXXX has had fraud paperwork, along with police reports and identity theft afidavit for over 2 months and has not completed the investigation. It has been over 60 days and equifax refuses to remove these fraudulent accounts ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX. in accordance to the FCRA. Both transunion and XXXX has removed these accounts and blocked them. XXXX has not completed this investigation in over 60 days

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 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft.. Please annul these not compliant alleged accounts deficient of physically verifiable proof of adequate from anyone exactly and lawfully identified as me XXXX  ( ORIGINAL CREDITOR NAME : XXXX XXXX XXXX ), XXXX 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 2018-10-12
Company: EQUIFAX, INC.
State: MO
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:
My property was foreclosed and filed on XX/XX/XXXX by XX/XX/XXXX c/o XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  FL XXXX. The filing was in the state of Wisconsin , county of XXXX XXXX XXXX. The property was sold on auction on XX/XX/XXXX. XXXX sent me a tax form XXXX  for Debt cancellation of {$7100.00} in which I paid taxes on for XX/XX/XXXX filings based on fair market value of {$56000.00}. I recently observed my credit report for Equifax and noticed XXXX  was listed as open and a debt of {$5400.00} with last payment reported XX/XX/XXXX. I filed a dispute and was given the report that XXXX stated it was legitimate and then they reported I had two late payments for XX/XX/XXXX between XX/XX/XXXX, which dropped my credit score 14 points. They also reported me 120 days late. My XXXX  report states the same account and same amount, {$5400.00} with XXXX as Closed and Charged off as bad debt, Profit and Loss write-off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I called to get my payments lowered. Navient stayed that there were no options because my credit check shows I can afford the payments. Even though my credit check has no financial information about how much I make.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Kirschenbaum & Phillips P.C
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a letter at my mother 's house of a debt that i do not know about so i called the number to find out what is going on, they told me the name of the place. I told them i do not recall having an account with this company next thing i know the very next day, My credit report had a collection on it, and shortly after that about a month later i received a court paper, then two days ago i received a letter from the court to respond or there might be a judgement, etc .... so i answered the summons today and seems like they also turned it over to another collection agency on top of taking me to civil court. because this creditor keeps calling from different numbers leaving voicemails about collecting a debt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Experian Information Solutions Inc.
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX XXXX is reporting erroneous payment history on all three credit bureaus. On or about XX/XX/XXXX I was 30 days late and was late on and off for the next year and a half until I was offered a modification loan, which was finalized on XX/XX/XXXX. XXXX has taken off late payments so that the account doesn't fall off my credit report due to aging off. They have continued to do this for two years. I finally caught them, as I finally took a screenshot. I called XXXX and they are telling me they have zero information on my account. I called Experian and the other two credit bureaus and they both are laying the blame on XXXX. I filed a complaint with Experian in XX/XX/XXXX. It generated a report number. I found that report and printed it showing exactly what XXXX has been doing as they have my full late payments listed as far back as 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: 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On or about XX/XX/XXXX, I filed two disputes with Equifax. Equifax failed to record one of them, despite a full length letter I had uploaded. In the meantime, my formerly excellent credit has been completely destroyed. All of this is in regards to fraudulent use of my SSN to open a credit card account, which should have been resolved by the furnisher six months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: Coinbase, 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:
Hello, I have a big problem for me, I hope to help you solve the problems I have an account on Coinbase and my account on the site has been frozen because the site believes that I am in XXXX and XXXX is subject to sanctions, and I am a resident of XXXX, XXXX, and I have uploaded all the official documents that prove that I reside in XXXX because I wrote support and my case was not answered within 12 days. Nor can I get my money from XXXX. The sum is XXXX I wish with all my heart your help, with my sincere thanks and appreciation

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-12
Company: Dynamic Recovery Solutions, LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Called 7 times at XXXX every day since XX/XX/18. They do not leave a message. They are a company who buys 10+year debts. I have not received anything in the mail concerning this debt. The statue of limitations in the state of Michigan ( in which I am a resident and this business is located ) is 6 years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-14
Company: Experian Information Solutions 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:
on XX/XX/2020 I sent off three letters to the credit bureaus, one to XXXX, one to experian, and one to XXXX  by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by experian and XXXX, XXXX  received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.

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 2020-11-14
Company: EQUIFAX, 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:
on XX/XX/2020 I sent off three letters to the credit bureaus, one to XXXX, one to XXXX, and one to equifax by certified mail to dispute items on my credit report. The letters were received XX/XX/2020 by XXXX and XXXX, equifax received their letter on XX/XX/2020. The fair credit reporting act states that they have 30 days to complete an investigation or else the items are supposed to be removed. I received no response from them at all, after the 30 days was up and not receiving a response from them I sent another letter to them following up on my first letter, still no response from them in any way. I cant even get a representative on the phone to talk to, I'm very frustrated because these companies are taking advantage of the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
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:
I am filing this complaint because the bureaus have ignored my request to provide me with the documents that their company has on file that was used to verify my accounts that I disputed. Being that they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA - they are required to promptly " delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries Transunion company report 1 ] XXXX XXXX XXXX 2 ] XXXX XXXX  XXXX 3 ] XXXX XXXX 4 ] XXXX XXXX XXXX 5 ] XXXX XXXX  XXXX 6 ] XXXX XXXX  XXXX 7 ] XXXX XXXX XXXX 8 ] XXXX XXXX XXXX XXXX 9 ] XXXX XXXX XXXX 9 ] XXXX   XXXX 10 ] XXXX XXXX XXXX XXXX 11 ] XXXX XXXX  XXXX 12 ] XXXX XXXX  XXXX 13 ] XXXX XXXX XXXX Already I spook to customer service and send them letter to request remove this inquiries from my credit because never apply any about those companies and I am victim the inquiries issue

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 2020-07-10
Company: Jon Barry and Associates, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX never billed the Va choice and submitted to Paragon Revenue for collection and never sent me a copy of bill or sent me proof of billed sent to XXXX XXXX XXXX. They have never sent me a copy of medical bill either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-05
Company: JPMORGAN CHASE & CO.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
JPMCB auto finance XX/XX/2015 {$17000.00} They didnt give me a chance to pay the months I had backed up they wanted the full amount of the loan. And at the time I was unable to due to my job being lost, responsibilities and bills due.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: LJ Ross Associates
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i have try to contact the company that claims i owe a debt however the information they have is wrong the social security number they have do not belong to me and is unable to provide me with any paper work with the right social security number on it that i sign and the social security is my correct social securiy number

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: Southwest Credit Systems, L.P.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello and how are you? I was shocked today when I reviewed my credit report and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from ( SWC Group XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX ( XXXX ) XXXX ) that I never have dealt with before and i see a balance of {$240.00}. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is  your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4.  Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation