BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: Incomm Holdings Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I contacted Vanilla Visa XX/XX/XXXX regarding the XX/XX/XXXX {$160.00} fraudulent unauthorized transfer on my gift card. The transaction was from XXXX XXXX XXXX. When I spoke with the Customer Care person I was told that it was not a problem that the transaction had occurred XX/XX/XXXX and I wasn't reporting it until now. I explained that I had checked the balance on XX/XX/XXXX and that because I don't receive a statement it's something that I don't check monthly. I was planning to use it for a XXXX gift when I discovered the fraudulent unauthorized transfer. I submitted their Gift Card Dispute Form XX/XX/XXXX ( case XXXX ). On XX/XX/XXXX, in the mail I received a letter from InComm that said my claim was outside the 60 day time frame. According to the Cardholder Agreement ( see attached copy ) that they have on their website for Vanilla Visa Gift Cards issued by XXXX   XXXX  XXXX XXXX purchased after XX/XX/XXXX under the paragraph Your Liability for Unauthorized Transfers " Under Visa U.S.A. Inc. Operating Regulations, your liability for unauthorized Visa debit transactions on the Gift Card Account is {$0.00} if you are not grossly negligent or fraudulent in the handling of the Gift Card. '' It then says " You must notify us immediately of any unauthorized use '' but does not indicate within a 60 day time frame. I feel I'm entitled to a {$160.00} credit. I filed a complaint with XXXX  ( see attached ). InComm has refused to help with this fraudulent unauthorized transfer. In fact in their XX/XX/XXXX response to the XXXX  they said they don't even consider it fraud. They are not honoring their Gift Card Cardholder Agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-16
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:
XXXXXXXX XXXX XXXX XXXX  with account # XXXX opened on XX/XX/XXXX and a balance of {$13000.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Unsecured loan with account # XXXX opened on XX/XX/XXXX and a balance of {$2900.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 
XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$2300.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 


These accounts shouldnt be on my report and are reporting incorrectly i have sent validation letters to credit burear who has refused to reach back out so now im submitting complaint here ( 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

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 2023-03-23
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/, I transferred {$3700.00} from USA to XXXX  using the express option from bank to bank and I paid a {$2.00} fee to Moneygram. The same day I received an e-mail from Moneygram saying that the transfer has been sent. The funds were withdrawn from my XXXX  XXXX  account on XX/XX/. Today I inquired via chat ( XXXX ) for the status since I was told by the my brother-in-law that the money has not been received. I was told that the transfer was pending review (? ) and additional information was required by someone. I needed to call some XXXX  number to find out what's going on. In the meantime that are holding to the fund. Since I have transferred funds from my XXXX  XXXX  account to my brother-in-law several times before using this service I do not understand what's the problem. I should have been contacted by Moneygram if there was any problem. I asked them to closed my account and I want the money returned to my XXXX  XXXX  account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-26
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 applied for a credit card at XXXX XXXX today XX/XX/2020 and I did not get approved due to my credit score and history. I looked into it more and I discovered five accounts with bad payment history appearing on my credit. None of these accounts are mine ; I have never opened an account with any of those companies and I did not allow any other person to open an account with these companies using my name, social or address. I did not make any payments towards these accounts and I did not get anything as a result of these accounts that were opened on my behalf. I filed a police report with the information that I have so far.

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 2022-12-29
Company: Michael Harrison, Attorney at Law
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have made many many attempts to contact this company and receive no response except the same letter being sent which is not validation. They have only responded to my previous complaint on here which didnt even solve the problem. I do not believe the debt is mine and they refuse to provide evidence that it is mine. 

I am requesting that the XXXX entity or its business associate provide debt validation for an account in question. ( A bill with my name on it and random procedure codes is NOT validation. ) Please provide debt validation in the form of agreement, an original bill, and a DETAILED statement of procedures is required, if any. 

Please provide a breakdown of fees, including any collections costs and medical charges, if any. 

Please provide a copy of my signature with the provider of service to release my medical information to you. 

Please provide me with a verified certificate of authority, and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service. 

Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.

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 2022-04-20
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: Was not notified of investigation status or results

Complaint:
I sent letters to XXXX, XXXX and TransUnion on XX/XX/2022 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 55 days and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

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 2020-02-26
Company: BMW Financial Services NA, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I purchased a XXXX XXXX XXXX in XXXX. I purchased at least {$12000.00} worth of add on services like extended warranty, rim replacement, dings and dents, etc. 

My car was hit and totaled on XX/XX/XXXX. I have never made a claim against any of the additional services that I purchased. The car is paid off. 

I reached out to XXXX XXXX in XXXX, GA who failed to file the paperwork. 8 weeks later, I reached out again but no one will take my call or return my calls. I tried to contact BMW corporate but they will not assist, because I requested that they verify me with information other than the last 4 of my social security number. I gave the last 7 of the VIN, the number i called from was verified by the automated system, I would give my address. 

The number and address of XXXX XXXX are as follows : XXXX XXXX XXXX XXXX, GA. XXXX ( XXXX ) XXXX. 
The people with whom I spoke there are XXXX XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: Affirm 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:
I have carefully reviewed my credit report in XXXX. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. This inaccurate information is preventing me from getting the credit I deserve and it needs to be removed immediately! 
XXXX XXXX XXXX XXXX XXXX XXXX AFFIRM INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AL XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXX Balance : - ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$730.00} ; XXXX Original creditor XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX Inquired on XXXX XXXX, 2022 ; XXXX XXXX  Inquired on XXXX XXXX, 2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-20
Company: EQUIFAX, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX, Untitled Account XXXX, Untitled Account XXXX, Untitled XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-29
Company: GOLDMAN SACHS BANK USA
State: FL
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: Overcharged for something you did purchase with the card

Complaint:
I XXXX XXXX hereby make a claim against Goldman Sachs Bank for the multiple errors I have found in my balance statement over the past two months. I am confident that I have been overcharged and request a full investigation into this matter. I request to be informed of any fees or penalties assessed as a result of the errors in my account, as well as a detailed report of any other charges made during the same period. 

I would also like to request all relevant documents and communications associated with my account during this period of time. 

Finally, I request that if the investigation reveals errors on behalf of Goldman Sachs Bank that corrective measures be taken and compensation provided for any losses incurred due to those errors. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
Dear Sir or Madam, XXXX XX/XX/XXXX, an identity thief opened a credit card in my name with Bank of America. 

I attempted, as per the 2003 FACT Act, to obtain the application information that the scammer used to open this credit card. I certified mailed out a completed form, a copy of my FTC Identity Theft Report ( Report Number XXXX ), and copies of my driver 's license and social security card to Bank of America 's Victim 's Assistance Unit post office box in XXXX, Arizona. According to the XXXX 's tracking, my letter was received on XX/XX/XXXX. 

The Fraud Application Department then, over the course of the next two months, refused to tell me whether or not my information had been received and entered into the system. A supervisor told me it could take up to two months, and therefore I needed to wait until XXXX for an answer to my question. 

On XX/XX/XXXX, I contacted the Fraud Application Department at the Bank of America and told them I had heard nothing. They said I would need to re-send the information, and this time I should fax it. On XX/XX/XXXX, I did so. 

I waited, as per the instructions of " XXXX '' at the Fraud Application Department, for 5 full business days and then called and asked if they had received my application. I was told the " analyst '' was out, and I should call back in 48 hours.

Then, when I did call back in 48 hours, " XXXX '' told me that it could take up to 30 days for an answer. 

It is clear that Bank of America is simply not processing repeated requests for information under the 2003 FACT Act. I need your help in forcing them to abide by the law.

Please let me know what further information you need. My phone number is ( XXXX ) XXXX, and my e-mail address is XXXX. Thank you. 

Yours truly, 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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, Untitled Account XXXX, Untitled Account XXXX, Untitled XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-24
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
i received a letter from XXXX XXXX XXXX about some kind of balance adjustment that was done to the account on file. Under the Fair Credit Reporting Act ( FCRA ), i have a right to the fair and accurate reporting of your credit information. Creditors or collectors are not allowed to report inaccurate information to my credit reports, and under the Fair Credit Reporting Act, i have a right to have it removed. the adjusted balance was around XXXX dollars. this also means they are reporting the information wrong on my credit report experian. i want this account permanently removed and blocked.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX, Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, XXXX Account # XXXX, XXXX Account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-09-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I am very suspicious that Wells Fargo inside source opened an a " Everyday Checking Account '' on my account page. I find it odd that a " Minimum opening deposit Open with {$25.00} deposit '' is required, but the fraudulent account does NOT SHOW a {$25.00} balance EVERYDAY CHECKING : which they require to open the account. 

Activity Summary Current posted balanceOpens Dialog {$0.00} Pending withdrawals/debits {$0.00} Pending deposits/credits {$0.00} Available balance {$0.00} I HAVE filed a complaint with Wells Fargo on or about XX/XX/21 but have not heard anything yet. I am suspicious as they seem to have done this in the past to other account holders. The account is being looked into as " identity theft ''. Have to laugh tht about 3 days after I complained to Wells Fargo they sent me a congratulatory note and notification that a debit card is on the way!!

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX, XXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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