BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-29
Company: Incomm Holdings Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I purchased a {$50.00} Vanilla Mastercard Gift Card issued by XXXX, XXXX. I was able to check the balance online XXXX time and confirm the balance of {$50.00}. The website now returns " error '' messages every time the card information is entered ... .changing browsers, clearing cache/cookies, disabling ad blocker, trying different devices, etc. does not fix anything. 

The card does not work for purchases, and customer service is unreachable via phone or possibly does not exist at all. I attempted multiple times, and each time was on hold indefinitely. 

At this point, there is NO way to use the card or contact anyone to correct the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
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  bankruptcyChapter XXXX Bankruptcy : Bankruptcy XXXX. XXXX, XXXX  {$0.00} Discharged Overview Reference Number XXXX Date Filed XXXX. XXXX, XXXX  Classification Bankruptcy Type Chapter XXXX Bankruptcy Responsibility Joint Asset Amount XXXX has voilated 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 explanation
Consumer complaint received 2023-09-05
Company: MOHELA
State: TX
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:
I have, on copious occassions, contacted Mohela to determine the best method of resolving my debt with the focus of removing the information from my credit report. I wanted to pay in full so I could return back to school but postponed my return to school, due to the promise that making small monthly payments for 9 months would allow the information to be deleted from my credit reports. When that did not happen, I was informed that the information would be removed in 7 years from the first delinquency which was XX/XX/XXXX. I was given a date of XX/XX/XXXX. I waited.The information was not removed in XX/XX/XXXX. I disputed the information through XXXX multiple times and each time, Mohela responded disrespectufly quickly. They updated the delinquency date to XX/XX/XXXX, continue to report the negative information, and refuse to provide any proof as to why. I dropped out of school in the XXXX  of XXXX ( the term for which the loan was provided ). I have proof of this in the form of a transcript with all Fs. My federal loans would've been due and deliquent ( since I did not pay ) in XX/XX/XXXX. The loan was paid in full in XXXX. They have no reason to continue reporting negative information on a paid in full student loan 7 years and 4 months after the first delinquency date of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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: Account status incorrect

Complaint:
Incomplete account and Im not aware of this debt and did not have the opportunity to dispute this information. Did not receive a call or certified mail. Please provide Validation of Debt. 

There is incomplete file on Equifax # XXXX ; There is a account on XXXX I'm not aware of # XXXX I did not have the opportunity to dispute this information and I have perfect credit. I would have never allowed such actions to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: CHARLES SCHWAB CORPORATION, THE
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 I was robbed the amount of {$200.00} by the perpetrator forcing me to access my XXXX and submitting an electronic transfer from my bank account ( held at Charles Schwab Bank ) to him or else lose my life. I reported this incident to Charles Schwab Bank the following day under reference number XXXX and requested that I be credited for this unauthorized transaction. I also submitted a police report ( XXXX Police Report : XXXX ). On XX/XX/2023 Charles Schwab Bank provided a provisional credit to my account in the amount of {$200.00} for the unauthorized charge and began an investigation. 

On XX/XX/2023, as a result of the investigation, Charles Schwab Bank contacted me by phone and indicated that as a result of their investigation that they would reverse the provisional credit to my account because the incident was a robbery and not a fraud and that bank customers do not have unauthorized transaction liability due to the incident being a robbery. At the time, begrudgingly, I accepted the explanation and did not further pursue it. 

During the course of my banking studies though, I discovered through reading Regulation E that any unauthorized electronic transaction, including those as a result of robbery would be protected under the regulation, contrary to the information that I had received from Charles Schwab Bank. 

On XX/XX/2023, I again contacted Charles Schwab Bank, who stated in the course of their investigation with XXXX that I had previously made transactions with the party in question and for that reason that I would not be covered under their unauthorized transaction policy. At the time of the robbery, I was not aware who performed the act, nor that I had a previous transaction history with the assailant. After further research, a previous transaction had occurred with the XXXX in question, but this transaction had been disputed due to non-delivery of goods. Charles Schwab Bank asserts that there were XXXX transactions, but my records only indicate one other transaction with the XXXX account in question. 

Putting that aside, at the time of the robbery I was forced to electronically transfer funds from my XXXXharles Schwab Bank account through the XXXX application to the assailant whom I did not know at the time. This situation seems to be a text book example of customer limited liability for unauthorized electronic transactions under Regulation E.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I was trying to sell a XXXX XXXX XXXX  on XXXX for my mother. On XX/XX/21, the buyer XXXX XXXX said he would send me a cashiers check. He then texted me saying that his accountant accidentally included his daughter 's allowance in the check and if I could send the extra money to his daughter and for me to keep an extra {$50.00}. I was asking {$110.00} for the jacket. The check he sent was for {$900.00}. When I got the check on XX/XX/21, I asked how can I send his daughter the difference. On XX/XX/21, he sent his daughter 's XXXX account info as XXXX Name : XXXX XXXX. I sent {$740.00} to that account. The next day on XX/XX/21, he texted me saying that his daughter does not want the jacket anymore. He requested me to refund the rest of his money and for me to keep {$20.00}. He gave me another XXXXXXXX  account XXXX Name : XXXX XXXX. I sent {$140.00} to that XXXX  account. I talked to XXXX XXXX XXXXXXXX on XX/XX/21, and they told me that there was a hold on the check he sent me. I have reported this case to my local police department, XXXX, XXXX  XXXX XXXX, and XXXX. Is there anything that can be done to escalate the case and recover my funds? 

Another case I'd like to report. 
Today on XX/XX/21, my mother wanted me to contact XXXX  customer service to resolve some fraudulent activity from my account. She found the number for XXXX customer service from a XXXX search. The person on the phone said his name was XXXX XXXX and that he would help get my money back from some previous transfers. I just have to follow his instructions. He had me download an app called XXXX. I followed his instructions. Then, he told me to open the XXXX service on my XXXX XXXXXXXX XXXX app. He said he was going to freeze my XXXX account. He provided me a phone number XXXX. A name with that phone number popped up- XXXX Then he told me to enter XXXX on the next screen and to click continue. The next thing I know I am sending {$490.00} to this number. He said my account was frozen and that I had to follow these instructions for verification. Then he had me download a XXXX app and XXXX XXXX from the XXXX XXXX XXXX. Then he told me to go back to the XXXX  account and repeat the process, but this time to enter XXXX. So the same thing happened again except this time I am sending {$490.00}. It sounded pretty fishy. So I later hanged up the phone. Is there any way I can get my money back?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
In XX/XX/XXXX my son was XXXX XXXX XXXX XXXX XXXX, and we received a check from the insurance company. I opened a custodial account for him on or about XX/XX/XXXX at XXXX XXXX  with both of our names on it. Over the years the our account ended up at Chase bank, and at some point it became a CD account unbeknownst to me why, and at some point his name was dropped, as my name was the only name showing on the statements. My Son passed away XX/XX/XXXX. On XX/XX/XXXX I spoke with XXXX at the XXXX ca branch and spoke with XXXX, I went to Chase to close the account. I was told by him after he made a call to discuss my request I was told the account was court ordered. I requested a copy of this alledged order. I was told because this account was over 30 yrs old the banking records and how things are handled are different and was told that between the transfer of funds from bank to bank there were no records, and no records of my Son 's name, just my name, they couldn't find any information for my Son. I returned to the bank with proof of a statement sent to me from Chase bank with both of our names on the statement so at this point he called the escalation dept and spoke with XXXX who after checking i was told again there is no record of this account being a " joint/custodial '' account and their only record is it being a court order and my name only on the account. I was frustrated but kept my cool. XXXX went and spoke with XXXX XXXX, the Bank Manager. XXXX XXXX invited me into her office to get an understanding of the situation, and I was told by XXXX to bring the copy of the statement and my Son 's death certificate and she would write an escalation letter on my behalf. I received a call from XXXX mid XXXX to regurgitate the same response. My name is the only name listed on a 30 plus account that contains banking errors. Why do I have to suffer and feel like a human " ping pong '' ball? I am asking for your help with this issue, please. I think with all of their publicized critism from their current and former customers I am another victim. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
So I sent a letter of to the consumer reporting agencies Experian XXXX and XXXX to remove address from my personal information and that I am a victim of identity theft back in XXXX of XXXX  According to the fair credit reporting act 15 USC 1681 I have the right to privacy also according to 15 USC 6802 no final institution is not supposed to share my information to third party people they are clear violations of my federally protected consumer rights The names are XXXX XXXX XXXX XXXX Address are XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 non-monetary relief
Consumer complaint received 2021-12-29
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chase Bank Executive Office XXXX XXXX XXXX XXXX XXXX, OH XXXX Referenc number XXXX I decided not to let go of the case. 
I reported the case to the Police and the prosecutor 's office on XX/XX/XXXX in XXXX. 
XX/XX/XXXX Police initiated an investigation referred to in art. XXXX couple. 1 of the Penal Code. 
I'm requesting a rebill reconsideration. 
I send the required documents and their translations into XXXX. 

Please contact me only via e-mail XXXX or by mail. 


Best regards XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements are punishable as pejury under U.S.C 1621.This item found within my credit report is 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 succesful increating this account. 
This debt collector is in violation for putting this unknown account on my credit report. 

This has caused me to suffer and its defamtion of my character

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 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/2022, I sent unauthorized dispute letters to credit bureaus TransUnion and XXXX. On XX/XX/2022, TransUnion personally sent a response letter via postal mail stating that based on my request, they aren't going to proceed with my request to remove those unauthorized inquiries ( see attached file ). XXXX has yet to respond. At this point that I've been battling for several months to get these inquiries removed, my professional and personal life has been put on hold. I get constantly denied for credit profile-dependent opportunities that affects both life aspects. I personally feel that I'm being taken advantage of and being ignored of my disputes battle. According to FCRA and U.S.C. 1681 ( a ) ( 1 ) ( a ), when an inquiry to remove negative items on said consumer 's credit report, LEGALLY those items need to be removed. At this point, I demand for the removal of those inquiries in question ( see attached updated inquiry removal letters ) or I will file litigation with all parties involved, INCLUDING the CFPB. In addition to my thorough concern, a copy of this letter is also being sent and published to the Attorney General and their website, as well as the XXXX  and several social media outlets.

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 2023-10-24
Company: Experian Information Solutions 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 19th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me. 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

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 2023-05-07
Company: EQUIFAX, INC.
State: LA
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 sent a letter asking for validation of debt to XXXX XXXX  for account XXXX XXXX XXXX XXXX XXXX XXXX XXXX This letter was sent on XX/XX/XXXX which was over 90 days ago by USPS under tracking number ( XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX  has failed to validate this debt and have not sent anything bearing my signature or nothing pertaining to this debt belongs to me. 

I also sent a letter to Equifax to delete this account 60 days ago due to XXXX failing to validate this debt. I called Equifax and they said they didn't receive my letter. I then sent another letter to Equifax to delete this debt along with a copy of the letter that was sent to XXXX XXXX  for validation with my state ID and proof of residence. This second letter was sent by USPS under tracking number ( XXXX XXXX XXXX XXXX XXXX ) and it was received on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: PA
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 am distressed that Equifax have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated and removed from my credit profile for illegal proof of payment Account XXXX XXXX XXXX I respectfully request proof of the late payments. This is an illegal proof of payment. Please provide proof of bank statements, receipts proving payments were late. Also why is this account status saying that it is opened? This account is closed and have been since XX/XX/XXXX, but your company ( Equifax ) is reporting that its still opened which is very odd. Also last payment for this account was made on XX/XX/XXXX, so how it is possible your company ( Equifax ) have payments showing for year XXXX reporting on my current credit report? Why did your company ( Equifax ) delete last payment date & last date active? Everything about this item is puzzling and needs to be removed Failing that, the item must be deleted from the report as soon as possible. The listed item is entirely inaccurate and incomplete, and as such represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit report. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. I will sue your company for failing to report inaccurate information and damages caused by your company! You are in violation continuing to report! 

In this complaint accompanies a copy of my current credit report showing proof of the inaccuracies reporting on my credit profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-07
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Bankruptcy is showing up on my credit report from Experian. I have never filed bankruptcy. Also my name is spelled wrong on my report ever since the bankruptcy showed up.

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