BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-12
Company: Incomm Holdings Inc.
State: MD
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
In brief, InComm Financial Services has my funds and won't let me use the funds or even provide a way to speak with them about it. I have a " Vanilla '' brand XXXX Gift Card " serviced by InComm Financial Services , Inc. '' and " issued by XXXX XXXX, Member FDIC. '' It has {$450.00} on it. I have never been able to make a purchase with it because it has been declined for all transactions when I've tried to use it over the past several days, including in various stores, vending machines, and online. When I attempt to access information about it at XXXX it says that there is a " system error '' and to try again later. The card has a phone number on it ( XXXX ), but the phone tree never gives an option to speak to a person, and none of the automated responses are relevant. There is also no other contact information that I can find on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have had it up to here with the utter incompetence and negligence of credit reporting agencies like yourself. It is unfathomable that I have to go through the trouble of filing a CFPB Complaint just to dispute the rampant inaccuracies on my credit report. As mandated by the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure that the information on credit reports is not only accurate but also up-to-date. Yet, here I am, having to request that you investigate these erroneous accounts and make the necessary updates to rectify the damage you have done to my credit score. The following accounts are not just erroneous, but they are outright erroneous and have no business being on my credit report : XXXX XXXX Balance Owed : {$7800.00} Date Opened : XX/XX/2020 XXXX/XXXX  XXXX Balance Owed : {$0.00}. I have included a copy of the dispute letters I previously sent highlighting these erroneous accounts for your reference. I expect a prompt response and immediate action to remove these accounts from my credit report within the next 30 days, as stipulated by the FCRA. Your blatant disregard for the accuracy and integrity of my credit report is unacceptable, and I will not hesitate to take legal action if necessary. Get your act together and do your job properly.

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 2018-12-16
Company: Receivables Management Partners, LLC
State: AP
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX Hospital - Date of Service : XX/XX/XXXX Account Status : [ PAID IN FULL ] FRAUD COLLECTION PRACTICES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of services of " Observation '' for services rendered on XX/XX/XXXX XXXX {$730.00} ) and XX/XX/XXXX ( {$910.00} ) Reporting : XXXX  and XXXX   ACTION TAKEN : Cease & Desist and Dispute with credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
I got reported of late payment and I wasnt at all I attached a document showing a payment deferral agreement in the same time they report the late payment. The creditor is Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Company has stated that I re opened a loan in XXXX when I did not. Also they keep reporting different amounts and payment dates over time for the last 5 years. I have requested documentation and proof and then they re-hit my credit with more negative notes and different payment information. I show several different balances since XXXX when I originally began to try to fix my credit. I offered to see what repayment options I had to help pay the debt originally though the loan was a third party or straw purchase loan for someone else. The loans were for an ex I had for several years but she had limited income and could not get approved. I attempted to call and was always threatened with being sued, once I lost my job and we separated I wrote the loan off as something I would attempt to resolve should they ever allow me to and provide an accurate amount owed. The biggest issue is that the company never provided accurate information and the time lapse for the loan to fall off of my reports has passed. But instead of taking it off my reports they continue to change, alter, miss represent, fictitiously claim I made payments, and other malicious acts to continue to keep the infractions on my reports so they can continue to harm my credit. It is not ethically right and should be or possibly even could be illegal. Please help me resolve this issue so I can continue on with my life, they have written the loan off for a profit loss years ago and it does not harm them at all any longer, has not in over 8 years. Attached I have added several random different credit reports I can pull from different apps and statement stuff I have available from XXXX to XXXX, you can see major reporting differences and even were one shows a high balance of {$3300.00} and others show {$4400.00} and one recent XXXX XX/XX/XXXX late payments while others show some and others show lots? From my understanding the credit agencies all should benefit in my favor over this with the proof that I am sending. This account should be deleted in full and taken off of my reports. It is not fair at all that I continue to suffer and have major issues because this false reporting and lying that has been done.

Company response to consumer: In progress
Consumer complaint received 2021-01-09
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Equifax XX/XX/XXXX RE : Social Security Number : XXXX To Whom It May Concern : This letter is in response to your recent claim that XXXX/ XXXX  XXXX XXXX has verified that the account they are reporting under my name is accurate. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to provided within fifteen ( 15 ) days of the completion of your reinvestigation. 
Additionally, please provide the name, address, and telephone number of each person contacted regarding the alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have legally binding contractual obligation to pay them the exact amount claimed. Any automated response or e-Oscar verification is unacceptable. 
I am requesting a reinvestigation AND your Method of Verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office, should you continue in your noncompliance. 
I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance. Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. 

CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In between XXXX XXXX XXXX Ive reach out to Transunion/ capital one to dispute a hard inquiry that wasnt authorized dating for XXXX XXXX I dispute this by sending certified letters online disputing and calling customer service representatives from capital one to explain these where not authorized after explanation this they refuse to do a investigation nor remove this inquiry stating they havent received letters for a dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-09
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 opened checking account at Chase. Never received debit card in mail like I was promised. 

On 3 different occasions between XX/XX/XXXX and XX/XX/XXXX Chase has blocked my account access and forced me to call in to unlock it. 

XX/XX/2020 I direct deposited {$5700.00} into my Chase checking. 

XX/XX/XXXX I added my bank account with XXXX onto my Chase account transfer menu and verified the trial deposit amounts to confirm it was my account. 

XX/XX/XXXX I attempted to transfer {$2000.00} to XXXX from Chase bank. Chase fraud department blocked this transaction. 

XX/XX/XXXX I called and spoke with multiple representatives. Finally a representative in XXXX was able to verify my account with my account #, address, PIN, and Driver 's License number. He told me he would unlock it and also put a note for fraud that transfers to XXXX by XXXX XXXX are authorized by me. He also ordered a new debit card for me since I didn't receive one yet. He told me further transfers would NOT be blocked. 

XX/XX/XXXX Later that same day I tried to transfer to XXXX for {$1500.00} this time. Again the transaction was blocked. Now the fraud department says they can't access my account to see that I authorized the transaction. They refuse to unlock my account. 

Chase is not allowing access to my funds. They are not following what they told me about allowing transactions to my other accounts. Now that my money is in account they repeatedly make me go through verification procedures and continue to lock it. Without them ever sending me a debit card since it was opened I can not access my funds via atm either.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-15
Company: EQUIFAX, INC.
State: ID
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 XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( Original Creditor : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX : MEDICAL ) XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXX MEDICAL ) XXXX, ACT COLLECT ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I filed a dispute and the creditors and Equifax, Im not liable for this debt with XXXX XXXX account number XXXX. Also XXXX XXXX account number XXXX. I do not have a contract with XXXX XXXXXXXX XXXX XXXXXXXX XXXX they did not provide me with the original contract as I requested

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-24
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
To whom it may concern : I am formally challenging you to review the data on file for me and ensure that it is accurate and up-to-date. I am citing the Fair Credit Reporting Act ( FCRA ) section 611 as well as Metro 2 compliance standards in doing so. Any inaccuracies or deficiencies in the reporting must be corrected immediately. My credit report needs to be accurate and complete, so please follow these standards to ensure that you are meeting deadlines and maintaining accuracy. 
The information in my profile is wrong and it needs to be fixed immediately. Thank you for taking action to resolve this. 
Below is a summary of the data in which I am challenging : Summary of Accounts being challenged in list form XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Investigation took more than 30 days

Complaint:
I have filled a dispute in regards to the incorrect items on my XXXX  credit report. It had been well over 30 days and i haven't received any investigation results

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 2023-02-03
Company: TRANSWORLD SYSTEMS INC
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt collector has failed to prove and produce accurate amount of money owed. Failed to provide proof of agreement to pay debt. Debt was then transferred to another company when credit bureaus removed debt from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Equifax is continuing to show irresponsibility with handling private consumer information. I had to freeze my credit with all credit agencies due to the security breach at equifax. Last summer, I temporarily lifted the freeze, with an end date of XX/XX/XXXX. Today, XX/XX/XXXX, I went in to my account to again lift the freeze and the system said the lift was still active with end date of XX/XX/XXXX. I placed the new temporary freeze lift, which replaced the old one, but I assume my credit was left vulnerable all this time. I want Equifax shut down or I want a way to permanently delete my files from their records. They can not be trusted with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I kindly request that you promptly update my account with the correct and accurate information. Your timely action in rectifying this matter is greatly appreciated.

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 2023-09-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to express my deep DISAPPOINTMENT with your recent claims regarding my accounts. I AM REJECTING THESE CLAIMS ON THE BASIS THAT YOU LACK ANY MATERIAL FACTS OR EVIDENCE to support your assertions. As a result, I strongly urge you to initiate a thorough investigation into these matters without delay. Your claims have cast a shadow over my financial standing and have the potential to cause severe harm to my creditworthiness. It is imperative that we resolve this situation promptly and accurately. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  XXXX. Please remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XX/XX/XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XX/XX/XXXXXX/XX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
6. XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
7. XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
8. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
9. XXXX XXXXXX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
10. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
11.XX/XX/XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
12. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXXXX/XX/XXXX on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX, XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) XXXX. XX/XX/XXXXon XX/XX/XXXX XXXX Reported Identity Theft ) 7. US SM BUS ADMIN XXXX on XX/XX/XXXX ( Reported Identity Theft ) 8. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 9. XX/XX/XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 10.XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 11. XX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 12. XXXXXX/XX/XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained more then 38 times nonstop this is exhausting The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX and XXXX and hope from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and negative account its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in 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