BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some incorrect personal information. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-09-13
Company: Receivables Management Partners, LLC
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: Problem with personal statement of dispute

Complaint:
I disputed an account in collections on my credit report with XXXX. I submitted the dispute yesterday and it was completed as accurate and not in my favor. This is the second time that I have disputed this and it has been completed as accurate and wont be taken off of my report. I had an XXXX hospital visit back in 2019. I was on Medicaid at the time and was told that I would not pay anything for the visit. I never got a bill for the ambulance or the visit. I feel that it is unfair that this should be on my credit report since I never received a bill for this. I have worked hard to fix my credit and this is the only account in collections. If I had gotten a bill I would have called to talk about it or I would have paid for it but I was not notified of anything that was owed. I was on Medicaid which means I was not responsible for those charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
The amount of monthly payment Bank of the West applies to the interest payment varies and always has since this simple interest, installment loan began. It makes zero sense and isn't how these loans work. 

Simple interest installment loans have an amortization schedule over the life of the loan showing where from day 1 a portion of the monthly payment will go to principal and another portion to interest. Over time, more of the monthly payment begins to go toward the principal as the interest amount owed lowers becasue it is based on the total principal value.

This is not what has been happening with my installment loan since day one and a simple review of its payment history will reflect exactly what I am saying.

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 2023-08-08
Company: EQUIFAX, INC.
State: OH
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:
In accordance with the Fair Credit Reporting Act, these listed accounts, with the dates and amounts, have violated my rights ; XXXX XXXX XXXX XXXXXXXX, XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX XXXX ; XXXX, {$23000.00} XXXX XXXX XXXX ; XXXX, {$2400.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$4500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$1500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3400.00} XXXX XXXX XXXX  ; XXXX, XX/XX/XXXX, {$6500.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$2800.00} XXXX XXXX XXXX ; XXXX, XX/XX/XXXX, {$3000.00} GRAIN XXXX XXXX ; XXXX, XX/XX/XXXX, {$1000.00} XXXX XXXX XXXX XXXX  ; XXXX XXXX XX/XX/XXXX, {$1200.00} 15 U.S.C. 1681 section 602 A. States I have the right to privacy. 15 U.S.C. 1681section 604A Section 2 : states a consumer reporting agency CAN NOT furnish a account without my written instructions. I NEVER gave any written instruction to furnish this information. Equifax, XXXX, and XXXX are in direct violation of these codes by furnishing and reporting these accounts on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I submitted this complaint to update this suspicious information. 3 Credit Bureau must validate these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-18
Company: Incomm Holdings Inc.
State: TX
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:
I was gifted a Vanilla Visa gift card on XX/XX/2023. I opened the package and tried to set it up through their website but could not because the card had no printed CVV number. 
On XX/XX/2023 I called the help number and was told by the agent I needed to provide the receipt and the CVV number for them to help me. Because it was a gift, I dont have the receipt. There is no CVV number on the back of the card. Because I had neither of these items, they refused to exchange the card. 

I was then told to use the card in person at a store, and it would work. When I attempted to use the card, the store card reader would not recognize the card. I tried three different card readers at the XXXX XXXX grocery store in XXXX, TX on XX/XX/XXXX. They all gave an error message that the card type was not recognized. 

I called their complaint line today, XX/XX/2023, as outlined in their terms and conditions. The customer service representative asked me multiple times if the card worked, and I answered no each time. She then asked for my first name and placed me on hold for about five minutes. She then disconnected the call. At this point, the card is useless, and the company will not provide a replacement. 

I can provide the card with all funds still loaded. I simply want to exchange it for a card that works. 



I have attached images of the gift card that show the lack of CVV.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC and receivewd copies of the FTC Fraud report. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included these reports in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Please let me know if you require anything else. I need your help removing the following accounts items as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance {$170.00} XXXX XXXX XXXX  XXXX Balance {$1200.00} XXXX XXXX XXXX  XXXX Balance {$3500.00} XXXX XXXX XXXX XXXX  XXXX Balance {$570.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$1100.00} XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Balance {$620.00} XXXX XXXX XXXX XXXX XXXX Balance {$190.00} XXXX XXXX XXXX XXXX XXXX Balance {$69.00} XXXX XXXX XXXX XXXX XXXX Balance {$130.00} XXXX XXXX XXXX XXXX XXXX Balance {$89.00} XXXX XXXX Balance {$76.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance {$140.00} XXXX XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-02
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-21
Company: EQUIFAX, INC.
State: PA
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the XXXX filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: IN
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 recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts please investigate the unverifiable accounts : XXXX XXXX XXXX Balance : {$670.00} XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$340.00} XXXX XXXXXXXX Balance : {$260.00} XXXX XXXX XXXX XXXXXXXX Balance : {$7400.00} XXXX XXXXXXXX Balance : {$310.00} XXXX XXXX  XXXX Balance : {$23000.00} XXXX XXXXXXXX Balance : {$0.00} Consider this as a follow-up to my prior complaint dated XX/XX/2023 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 non-monetary relief
Consumer complaint received 2023-03-03
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
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:
Good morning, I bought a Nissan Truck in XX/XX/XXXX and Made on time payments for close to a year. I changed my due date around XX/XX/XXXX and proceeded to change my Auto Pay as well. However, something went wrong and it didnt go through on the website. I ended up missing payments for a couple months and was NOT notified by Nissan Motor Finance Company ( NMAC ). I never got any emails, texts, mail, or any else regarding this issue. The first time I noticed my Auto Pay didnt go through was when XXXX notified that my credit score had plummeted. I immediately paid off my debt and have not missed a payment since. This is most frustrating because I have not missed a payment on any account my entire life. If anyone could offer any assistance into this issue it would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2021-06-19
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
XX/XX/2021 I ordered some stuff from XXXX on my XXXX  account I transferred XXXX from my savings account which lifted it at XXXX USD my spending account had XXXX USD left over after my purchase at the store I wake up XXXX XXXXXX/XX/2021 and I CANT LOGIN IN MY CARD DECLINED FOR XXXX USD so I try calling chime bank its like Im blocked Im constantly sending them emails they not responding I have XXXX  kids and only the XXXXUSD IN MY POCKET LUCKILY WE HAD FOOD BUT CHIME NOT EVEN RESPONDING TO MY EMAILS NOTHING I NEED MY MONEY THATS ALL NOBODY WANTS TO EVEN CALL ME BACK XXXX I have proof of my balance too Ive felt for a while they was stealing my funds cause sometime the math DO NOT ADD UP AT ALL MY NAM XXXX XXXX by the way and thanks I hope this is taking care of right away I also had a credit card builder card with chime bank as well that account had XXXX USD IN THE ACCOUNT I never said close my account nothing didnt even do anything but I dont care I jus want my money ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: NY
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-19
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: Personal information incorrect

Complaint:
I have been working on my Experian credit profile and I noticed there are incorrect addresses on my report. I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation supporting my dispute. Thank you for your prompt attention to this matter. The INCORRECT Addresses that should be deleted are XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, NV XXXX and there is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX. Please keep in mind that Congress ( 15 USC 1681 ( a ) ( 4 ) ) makes it clear that I have a right to privacy. Privacy is not defined because only I can define what privacy is to me. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Under the subsection 15 usc 1681b ( a ) ( 2 ) the reporting agency does not have my written instructions to report anything. The code says they need permissible purpose in accordance with written instructions. The credit reporting agencies ( XXXX, Experian, and XXXX ) do not have my written permission and this should be removed accordingly. I am under the impression that it seems as if a company has taken advantage of obtaining my personal address for their benefit. There is a huge risk of having the incorrect address on my consumer report because this could potentially be identity theft. I know that under the following law the CRA has to delete inaccurate information. 1681i. Procedure in case of disputed accuracy section ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. Lastly, see the below where there must be maximum accuracy and unfortunately they are not practicing this law. 1681e. Compliance procedures Section ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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 2023-09-01
Company: Loqbox US Inc
State: NY
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:
On XX/XX/2023 I had noticed a addition to my credit report indicating that I had a new account with a personal loan in the amount of {$240.00}. I have never made such a account. I contact the company to ascertain how this account came into existence. 
I was told that it was me yet it was not. After several emails back-and-forth and a phone call I am left with the response being that the account was done by me. I disputed the account with XXXX and the dispute came back, not in my favor. Then the lockbox company responds back in an email saying that I need to have this report that XXXX writing to send them so they can look into it. Again I opened up no such account or borrowed any money from this company the question is who did what account did this money go to because it was not mine. Anyone does their homework like I shouldve any XXXX search of this company will show you nothing but bad review and warnings they are a scam. 

Attached youll find the convo thread with their support as well as a copy of the promissory note I allegedly signed. I did not. But the name on the promissory note is a date. And the beginning date is my name. There is no signature on the note. And its worded awfully. This isnt even a legal contract.

Company response to consumer: Closed with explanation