BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-22
Company: Incomm Holdings Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
My social security XXXX was direct deposited on my XXXX card on XXXX XXXX 2017. I was visiting XXXX ok with my son. When I got home I noticed the card was missing and reported it. The company sent me a new card. Now Incomm sent me a letter refusing to credit my account. Someone stole my card and withdrew XXXX and XXXX within two minutes from an atm. I never gave permission or my pin to anyone. I need this money to live on. I am XXXX. Please help. I am attaching the letter Incomm sent. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-12
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I purchased a vehicle through XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The vehicle was voluntarily surrendered on XX/XX/XXXX. On XX/XX/XXXX the vehicle was sold. I was sent a notice stating the balance owed was {$3100.00}. At some point in XXXX, the account was sold to NCB Management. NCB Management is reporting a balance of {$2100.00}. I requested validation of this account XX/XX/XXXX. On XX/XX/XXXX2018 NCB forwarded me documents from XXXX. Upon reviewing the documents I noticed that XXXX falsified the amount owed. The amount owed was indeed {$2100.00} instead of the amount they originally told me. This is a direct violation of the Fair Debt Collection Practices Act ( FDCPA ), which is enforced by the FTC. XXXX is also reporting my last day of payment as XX/XX/XXXX but it is not reflected in the itemized list of payments. This would decrease my total amount owed by {$360.00} so again, this is illegal. Furthermore, XXXX is in violation of their Arbitration clause by sending my account to a third party, NCB Management. NCB Management has no legal right to collect the debt and by the reporting of this debt, they are in violation of FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2022-12-03
Company: Experian Information Solutions Inc.
State: MD
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 sent a letter on XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days after I sent the letters last XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 2021-06-05
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
REPEATED PHONE CALLS, UP TO 6 TIMES A DAY ON MY CELL PHONE. AFTER A MISSED CALL ON MY CELL PHONE, HE IMMEDIATELY CALLS MY WORK NUMBER. THIS ADDS UP TO 12 TELEPHONE CALLS WITHIN HOURS. 
HE HAS USED FOWL AND THREATENING LANGUAGE WHEN SPEAKING TO ME. 

THE COLLECTION IS FROM MY ELEMENTARY AND MIDDLE SCHOOL CHILDS STUDENT FEES. 

HE USES THREATENING AND BULLYING LANGUAGE WHEN SPEAKING IN REGARDS TO MY CHILDREN. 

DEBT COLLECTION IS CALLED XXXX. 


I HAVE ABSOLUTELY NO PROBLEMS TAKING CARE OF THESE PAYMENTS, AS IT WAS MORE OR LESS, JUST MISSED IN THE MIDST OF THE BUSY LIFE OF A WORKING MOTHER. 

I WOULD APPRECIATE THAT I BE SPOKEN TO RESPECTFULLY AND CALMLY AND I WILL HAPPILY ABLIGE. 

THIS IS NOT MY FIRST EXPERIENCE WITH THIS DEBT COLLECTOR. MY HUSBAND AND I RECEIVED HARRASSING CALLS FROM THIS COMPANY LAST YEAR. IT WAS FOR MY STEPSONS STUDENT FEES FROM THE HIGHSCHOOL. 

WE EXPERIENCED THE SAME THING LAST YEAR. HE CONSTANTLY CALLED MYSELF, MY HUSBAND, AND MY HUSBANDS EMPLOYER. WE ASKED THAT HE STOP CONTACTING HIS EMPLOYER AND HE DID NOT. HE CUSSED AND THREATENED THAT MY HUSBAND WAS GOING TO JAIL. HE THREATENED HIM AND HARRASSED EVEN AFTER WE SPOKE WITH SUPERVISOR. 

THIS WAS ALSO DURING A TIME WHEN MY HUSBAND WAS SICK WITH COVID AND BED RIDDEN. I ASKED THE MAN TO PLEASE STOP CALLING RIGHT NOW BECAUSE HE WAS SICK AND TOLD HIM THAT WE WOULD TAKE CARE OF THIS AT A LATER TIME. HE TOLD ME HE WOULD NOT STOP, HE TOLD ME THAT WE NEEDED TO TAKE CARE OF OUR CHILDREN. EVEN AFTER WE PAID THIS DEBT IN FULL, HE CONTINUED TO CALL HIM. I HAD TO CALL THEM AGAIN AFTERWARDS AND SPEAK TO THE SUPERVISOR AGAIN TO TELL HER TO REMOVE OUR INFORMATION BECAUSE THIS HAS BEEN PAID IN FULL AND HE IS STILL CALLING US TELLING US THAT IT ISNT.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXX have noticed fraudulent inquiries listed on my Transunion XXXX XXXX consumer credit report. I did not apply for these applications of credit and not only this Transunion XXXX XXXX have ignored my requests to remove these from my consumer credit report. They have told me that inquiries are required to remain on my report for 2 years after the fact that I have notified them that these inquiries are not mine and that they are fraudulent! That is a violation of my consumer rights protected by the FCRA! Legally these credit reporting agencies can not bind me to fraudulent information on my credit report especially when I am requesting how they verified that this information belongs to me and the investigation procedures behind this! These companies have left my demands unanswered and it has been well over 30 days which is another violation of FCRA Law. I Demand these fraudulent inquiries listed in the attached documentation be removed from my consumer credit report at once!

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 2022-05-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am filling this CFPB complaint on my behalf and I am informing you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : Accounts XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020 Federal Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-06
Company: Experian Information Solutions Inc.
State: OH
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:
Under the Fair debt collection practices act as well as the Fair Credit Reporting Act my rights have been violated by XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX XXXX, OH XXXX 1. ) 15 U.S. Code 1681C ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

2. ) 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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.

3. ) 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.And they do not have my permission!

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 2022-05-24
Company: Experian Information Solutions Inc.
State: NY
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 called the Experian after I purchased a credit report with XXXX  on XX/XX/2022. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there were Addresses : XXXX XXXX XXXX XXXX  XXXX XXXX NY XXXX XXXX XXXX XXXX NY XXXX XXXX : XXXX XXXX  XXXX, XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud items on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts to BLOCK OR REMOVE it in my credit file. I attach a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are require to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Bank statement, drivers License, and my Social Security Number are all included in this complaint request. I want you to know that I am telling the truth and the Experian not block the going with things recorded underneath which are noting mistakenly a result of extortion

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-02-06
Company: EQUIFAX, INC.
State: NJ
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : 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 response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy Reference # : XXXX Liability : {$0.00} Equifax XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} U.S. Bankruptcy Court Bankruptcy Reference XXXX XXXX XXXX Liability : {$0.00} XXXX XX/XX/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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-11
Company: EQUIFAX, INC.
State: DE
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:
US DEPT OF EDUCATION ACCOUNT # XXXX Is incorrectly reporting as a collection. 

XX/XX/XXXX I started a rehabilitation program with XXXX XXXX and completed the program XX/XX/XXXX. I was told that my account will show in good standing after completion of the program. It has now been 6 months and I have been denied from buying a home because of this issue which is wrong. Every month should show up as " XXXX XXXX '' since XXXX of XXXX. 

Not to mention, According to the CARES ACT and President Bidens extension of student loan payments, those who were in default are not obligated to pay until XXXX of XXXX. So why is this affecting my credit report?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: CL Holdings LLC
State: VT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been working diligently on my credit repair. I have found battle after battle, and still feel like I'm be frauded. 

I received in the mail a bill from Jefferson Capitol saying I owe on a cell phone bill to my current cell phone company. 

I do not have any delinquent debt with them. 

I called and they told me they would issue a dispute. 

Now I get another letter stating they want my ss # account # description of error and explanation of why I believe there is an error, dollar amount in question, date of suspected error, cope of the credit report with their trade line. 

I again called them and they told me, ok, we will stop collections, and will not report on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: CAINE & WEINER COMPANY, INC.
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX paid me a quarterly sales bonus based on the revenue I influenced as a Technical Specialist, and later told me that it really was an " advance ''. I never consented to or signed a contract that said I agreed to be compensated in such a bizarre manner. After the money hit the back, I naturally assumed it was my mine and spent it. Since they had a bad year, they claim I owe them {$2800.00}. Neither the creditor, CAINE & WEINER COMPANY INC, or the original creditor, XXXX XXXX XXXX can show I owe them this money contractually. 

They put a collection on my credit report, instantly dropping it by XXXX points. Candidly, what you have here is a XXXX dollar company harassing a former employee under dubious pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to 3 Credit Bureaus was XX/XX/XXXX, but no response was ever received from them to date.Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts and inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Bankruptcy Reference # : XXXX Liability : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} TransUnion : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} U.S. Bankruptcy Court Bankruptcy Reference XXXX XXXX XXXX Liability : {$0.00} XXXX XX/XX/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

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 2023-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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