BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-29
Company: EQUIFAX, INC.
State: WI
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:
I the consumer XXXX XXXX, have unauthorized inquiries present on my consumer report that originated from identity theft. 15 usc 1681 ( c ) -2 states that consumer reporting agencies related to identity theft. Unauthorized inquiries include XXXX XX/XX/21 XXXX/XXXX  XX/XX/21 XXXX XXXX XX/XX/XXXX XXXX  XX/XX/21 XXXX XXXX XXXX XX/XX/21 XXXX  XXXX XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Incomm Holdings Inc.
State: NY
Product: Credit card or 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 purchased a {$200.00} VanillaOne prepaid VISA card at XXXX XXXX in XXXX as a XXXX  present. THe card never worked and the embarrassed recipient returned it to me. I tried to go onto the website and the website would not accept the information on the card and I could not get anywhere. I called the company. I got a representative who after keeping me on hold for some time told me that I had to get an original receipt from the store even though I had the credit card charge record ( I bought it with an XXXX XXXX card ). I had tried previously to address the problem with XXXX XXXX and gotten nowhere being told to come back at various times when the manager would be there-as I work full time, it was not possible for me to go at those times. At this point, I have given up on getting my moneyI will never buy another prepaid credit card. However, I thought it worthwhile to let others know about this. I believe it is some sort of scam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-04
Company: Foris DAX, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Someone has used my XXXX/ crypto to wire transfer funds fraudulent. They also transfered my phone number from tmobile and caused my phone number to be routed to another sim card. I contacted both companies with no access to come to a conclusion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Klima, Peters & Daly, P.A.
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had ID Theft. My SSN and personal info were compromised. I filled out an FTC report and the things that were ID theft were blocked from my consumer report. I received a letter from XXXX, XXXX, & XXXX about a {$5400.00} XXXX debt that I was unaware of and was not on my consumer report. Since I do not recall this {$5400.00} debt, I asked them to provide me proof that this was my debt. They responded by sending me the total owed. I wrote them back and asked again for the proper proof. THEN they start sending me documents from another account that is in no way associated with the original account. I responded again, and told them that this account was not the account on my credit report they were speaking about, and AGAIN they just sent me information from another account and asked me to pay for the {$5400.00} account. I believe them to be using illegal or at minimum unethical practices, mainly lying to me and trying to trick me, into giving them {$5400.00} on an account i have never heard of. We have had XXXX correspondences via USPS and they have yet to do anything but tarnish my consumer report with their false information. They are intentionally sending me documents over and over from another account because they do not have the info proving this is my debt and they are trying to lie and trick me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: TX
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 a victim of Identity theft. XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX has fraudulent accounts on my profile that need to be removed immediately.

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 2018-12-13
Company: Ability Recovery Services, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was contacted by Ability Recovery Services in XX/XX/2018. I paid them the amount of {$230.00} on XX/XX/2018 payment was received. I was told a deletion letter would be sent, that never came now it is still reporting on my credit as negative even though the amount is paid in full and the amount that the company is reporting is incorrect. 

To make matters worse In XX/XX/2018 XX/XX/2018I was reached out by another company called XXXX XXXX stating that they have the debt and Ability Recovery Services does not. This company is a scam and refusing to send the deletion letter because they do not have the debt at all and they are reporting false debt.

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 2022-05-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been out of the country for six months and recently saw that my mortgage with Chase had jumped by an astonishing {$1500.00} per month. I paid it, believing it to be some sort of one-off adjustment to my escrow account, but then it happened again. I called the bank and they told me that FEMA had changed its maps and I was now in a flood zone. They also told me they had sent me notices by snail mail while I was out of the country, despite the fact that I opted for paperless banking years ago. 

The sent me, via e-mail, the notices from last year. The notices tell me to request a Letter of Map Amendment ( LOMA ) or Letter of Map Revision Based on Fill ( LOMR-F ) from FEMA if I think FEMA made a mistake, but I checked the map, and FEMA did not make a mistake. The bank did. In fact, they made three large mistakes, possibly with multiple errors within them. First, they failed to read the maps correctly. Second, they failed to contact me electronically, even though I had opted for paperless banking years ago. Third, even if they had contacted me electronically, as they are supposed to, the time it takes to get a LOMA would have left me in the same predicament. 

I spoke to FEMA, and they agreed I am not in a flood zone. They were able to walk through the map with me, and they told me I can still request a LOMA to be safe, but it would take six weeks to get. 

This may have begun as an honest mistake, but the mistake is not mine. Our house is one of six structurally distinct townhouses aligned along one street address but each with its own city address ( designated by numbers followed by letters ), as well as city services, deeds, homeowners insurance, utilities, plumbing, etc. Our house is far from the lake, and our elevation above the lake is substantial. We have no flood risk and are outside both the FEMA flood zone and all designated flood zones in other risk maps. 

Chase 's flood control team is hermetically sealed in a bunker in Ohio and can only be reached via fax. Even the Chase mortgage and insurance teams can't reach them any other way. 

The Chase mortgage team transferred me to the insurance team, which told me I still need to get a form from FEMA, which will take six weeks, and I have to either get cheaper insurance in the interim or trust them to refund my money when they see they are wrong. I have no such trust and don't want to saddle myself with insurance I don't need just because of their mistake.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need this information to be deleted because it is affecting me and it does not belong to me.

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 2023-03-23
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:
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 XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX XXXX, VA XXXXXXXX XXXX XXXX XXXX XXXX Balance {$460.00} XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Balance {$1600.00} XXXX XXXX XXXX  ( Original Creditor Name : XXXX XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXXXXXX : Bankruptcy Date Filed XXXX. XXXX XXXX Reference Number XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX XXXX  Balance {$15000.00}.

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 2022-05-02
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Navy Federal Credit Union auto loan. I refinance my auto loan last year and paid for GAP insurance. I got a lower interest rate last month and paid off the loan. I called to see if you get a refund and the answer was no. This is just an easy way for the credit union to keep a member money especially if you pay the loan off early. Hard to believe the credit union has the interest of its military members in mind. Since I didn't use any of the GAP insurance, the credit union should give a refund and not be so hung up on making a profit. They made a profit by selling this service and if you pay off the loan, they should offer a refund.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-02
Company: EQUIFAX, INC.
State: GA
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:
Hello, it has come to my knowledge that the information reporting on my credit is noncompliant according to the XXXX XXXX compliance system which all credit bureaus must follow. Please remove all deficiencies and inaccurately reporting items according to XXXX XXXX compliance. All information reporting should be CERTIFIED COMPLIANTLY REPORTED according to the mandated format!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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. 

Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 explanation
Consumer complaint received 2023-08-16
Company: Aspen National Financial, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
In XX/XX/XXXX, we were victims of the XXXX XXXX XXXX company located in the XXXX XXXX. This is a company that takes advantage of the situation of customers. My husband and I were pressured into buying a vacation package. We tried to cancel the next day after reviewing the reviews and talking with other people in the resort. However, they did not let us cancel with fraudulent stories and intimidation. Since the purchase of the vacation package was made through a XXXX XXXX XXXX credit card that they opened and processed in the XXXX XXXX, we started a dispute with the bank soon as we arrived in the United States. At the end of the investigation process, we had to pay {$4900.00}, which was very unfair since we never used the vacation package. The worst thing is that on XX/XX/XXXX, just now, we received a bill from a collection company saying we must pay {$7000.00}. This is incredible! The case was already disputed and closed with the bank, and we had never used their services and now after 5 years, they want to come and collect for a closed case. We need help to stop the abuse of this company. The collection company is Aspen National Collections and its telephone number is XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

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 2022-11-02
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: Account information incorrect

Complaint:
EXPERIAN, XXXX, XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX  XXXX -- -> : {$3100.00} XXXX XXXX XXXX  XXXX -- -> : {$440.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX : {$12000.00}

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 2019-11-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Equifax refuse to release my credit report. I sent my approved documents 6 TIMES my social security card & passport. They continually stated they didn't receive the documents or the picture is not visible. How could they say the picture isn't visible when I was informed the document wasn't received

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # 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 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 and 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. 

Additional Inaccurate Information : XXXX has failed to remove inaccurate name fraud : XXXX XXXX report has a section of the consumer report that lists secondary names which reports ( Also Known as " XXXX XXXX XXXX '' ). I have notified XXXX, still no change after I sent in an FTC report and Fraud Affidavit with driver 's license and social security card attached.

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 2023-09-28
Company: Experian Information Solutions 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:
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 ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$1800.00}.

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 2022-11-03
Company: ENCORE CAPITAL GROUP INC.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2020 Date Credit Card was opened XX/XX/2020 Transaction date {$400.00} Location XXXX XXXX # XXXX ( XXXX, Arizona ) The address used to open the account was not my current address. 
I was never in XXXX, Arizona. 
I never made any online purchases from any Walmarts in Arizona. 
I never received any bills from XXXX XXXX XXXX because I did not live at the address used to open the account. 
I never received any emails, phone calls or any form of communication from XXXX XXXX XXXX about the account. 
I was later contacted by Midland Credit Management about the account almost 2 years after the XXXX XXXX Credit Card had been opened and used. 
XXXX XXXX {$560.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am not liable for this debt and I do not have a contract with XXXXXXXX XXXX-XXXX  plus they did not provide me with the original application like I asked. 
Account No:XXXX Amount Disputed : {$100.00}

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 2022-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the fair credit reporting act XXXX  account # XXXX and 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