BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-09
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: I.C. System, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In early 2020, I was informed of this debt from IC systems representing XXXX XXXX XXXX  when I was in the process of buying a home. The debt did not belong to me so I followed protocol and procedures and sent them my Information and filled out their fraud packet. I also contacted XXXX and provided a police report and it removed within a few days as well as flagged as fraud from the collection company. This morning it was submitted on my credit report but for a different amount. I contacted them right away and was apologized to regarding it severely affecting my credit report and that it would be removed. I also contacted XXXX and they requested for me to fill this form out so they can block this company from being submitted to my account again.

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 2018-05-02
Company: RIA FINANCIAL
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide hi i m sending money to my mom and my wife and daughter they live in XXXX i m helping them monthly one company name is ria money and i m use almost 3 years without reason they block my account i call them they told me there system block me i can t send any more i ask reason there no reason i m ready provide all document pay slip tax return but they said no your block then i try to send with XXXX XXXX to my sister in XXXX XXXX XXXX XXXX $ go there location i give my id and my debt card they process and give me slips next day they call me said same thing your block in over system i ask reason there no reason no information which person or department i ask for help i also faxed my pay slip and tax XXXX and doctor bill to them still no answer please help me out or any document you guy need i will provide Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
I sent a letter regarding inaccurate & unknown things on my credit report. To this day I have not received a response yet. I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Under 15 U.S Code 1602 ( p ) - unauthorized use of my information. Under 15 U.S Code 1692j - Furnishing certain deceptive forms i am not participating in the collection of this alleged debt. Please cease and desist! So because it had been well over that time period I demand that these accounts get removed & deleted immediately or I will file for litigation due to the laws which were broken. My information was also impacted by the XXXX data breach & may have got into the hands of the wrong person.

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 2018-02-28
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently found out that IC Systems has been reporting and re-reporting an XXXX XXXX XXXX collection to my credit reports since XX/XX/2014. I believe its for a landline phone, not a cell phone. I should not have any debts to XXXX XXXX XXXX, and I haven't had a landline in a very long time. So, I disputed the collection account via XXXX, who stated they contacted IC, who in turn verified it as accurate. I'm not really sure what else I could reasonably do, because I never received a bill or anything to tell me what this is for, even after I said it wasn't accurate.

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 2023-09-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Called several time regarding these accounts. They were removed and closed but reappeared on my credit profile. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( mo ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists

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 2023-04-22
Company: LJ Ross Associates
State: OH
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 filing a complaint with XXXX XXXX XXXX and Lj Ross. I sent my first verify dispute letter on XX/XX/2023, to XXXX. On XX/XX/2023, I sent my second attempt to verify that the debt is indeed mine. There was no response from company providing validation of this debt belonging to me.The company ignored my response and did not provide any further proof of investigation. On XX/XX/2023, I had sent my third validation dispute letter to XXXX stating that no further valid documentation has been provided and this was my final warning that I would be filing complaints and pursuing litigation. XXXX ignored my response and provided no reasonable method of verification on why they verified this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Worldwide Processing Group, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
FMR ( Forward Movement Recovery ) is contacting MY family, instead of me for who knows what? And providing information about me to my mother and father. This is against the law and privacy, sharing my personal information with others when i am NO MINOR. 

They have called form a XXXX and XXXX They have not attempted to call MY phone ( XXXX ) which is still a valid number, this is harassment unless they give me a valid reason WHY they have contacted others other than myself to request information or give information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Following unauthorized inquiries shows up on my credit report which I certainly did not made any applications for credit/mortgage.This had hurt my chances of obtaining new credit. I demand that you remove following inquiries immediately. 

XXXX XXXX XXXX  via XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX XXXX XXXX via XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX via XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX via XXXX XX/XX/XXXX I demand that you remove following inquiries 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 2021-03-01
Company: Bread Financial Holdings, Inc.
State: AL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX XXXX  Inquired on XX/XX/XXXX, COMENITYCAPITALXXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: EQUIFAX, INC.
State: AR
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:
Equifax has reported inaccurate damaging accounts on my credit profile since XXXX. I have wrote in to XXXX on several occasions dating back to XXXX, XXXX, XXXX XXXX and XXXX, asking them to remove unverifiable information. The company has never sent proof of an original contract bearing my signature for the alleged open account with credit acpt. Under federal laws the company has not complied as it is illegal to report information that they can not validate or verify. This account claims I am late and the balance is {$13000.00}. A convergent outsourcing is also reporting and has never been validated n0r verified. This information is detriment to my financial wellbeing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-22
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The CEO of my company purchased a gift card for the birth of my child for me. They did not provide a receipt and the gift card company never activated my card. I attempted to call support and they requested a copy of my driver 's license to activate the card, I provided this and now they are saying the only way to activate is through a copy of the receipt which is unattainable. I feel as though this is a scam where they just compile money from those who do not retain the receipt of transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-12
Company: EQUIFAX, 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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions 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 RECENTLY BEEN DENIED CREDIT BECAUSE OF THE FRIVOLOUS INFORMATION THATS REPORTING ON MY FILE. I REALLY DONT UNDERSTAND HOW ARE THESE ITEMS REPORTING WHEN INFACT THEY WERE NEVER TAKE OUT. IT IS MY RIGHT AS CONSUMER AND A CITIZEN TO FIGHTAND REACT TO ANY XXXX  WAUTHORIZED INFORMATION REPORT ON MY FILE. I KNOW BY LAW THE CREDITOR HAS 30 DAYS TO RESPONSE ANY CLAIMS REGARDING THIS MATTER, BUT I AM GOING TO ASK THE BUREAU TO SPEED UP THIS PROCESS AND REMOVE THESE MISLEADING INFORMATION OFF MY REPORT BECAUSE ITS HURTING MY ABILITY TO OBTAIN CREDIT. THE FEDERAL TRADE COMMISSION WILL BE NOTIFIED IF THESE ITEM ARE NOT BE NOTIFIED IF THESE ITEM ARE NOT DELETED WHEN THE RESULTS COME IN YHE MAIL. 
Thank you

Company response to consumer: In progress
Consumer complaint received 2020-03-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am currently trying to refinance my home mortgage. I have a 2nd mortgage through Wells Fargo. I need to get my loan payoff amount. 

When I go into a branch they tell me that they do not have that information and can't help me get it. They tell me to call the phone number. 

When I call the phone number I am placed on hold for several hours and then hung up on. I have tried several different numbers. 

I have been trying to get this for the last three days. The loan that they have from me is a very high interest loan and would be in their best interest to not help me get rid of it. This seems like a stall tactic to get their loan on the books. 

All I want is the payoff amount. Please help 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 2021-04-02
Company: EQUIFAX, INC.
State: IL
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've contacted the credit bureaus several times and i have spoken with the supervisors at the bureaus XXXX, XXXX, and equifax and the negative fraudulent accounts are still reporting on my credit reports ... below are the negative accounts that i demand to have deleted immediately or i will be forced to pursue legal action : DEPTEDXXXX XXXX {$750.00} DEPTEDXXXX XXXX {$1700.00} US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX US DEPT ED XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX DEPTEDXXXX XXXX {$750.00} DEPTEDXXXX XXXX {$1700.00} US DEPT ED XXXX {$750.00} US DEPT ED XXXX {$750.00} XX/XX/XXXX US DEPT ED XXXX {$1700.00} XXXX XXXX XXXX DEPTEDXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XXXX XXXX, I looked into the cancellation policy of a flight I ordered through Chase 's Ultimate Rewards portal. There was a dedicated web page set up for COVID-related cancellations ( see attachment for the full page wording ). 

https : //travel.chase.comXXXX ( You must log in to a Chase Ultimate Rewards account to see the page. ) Included on this page is wording as follows : " If your itinerary does not qualify for full reimbursement or if we need additional information, we will contact you. '' This wording made me comfortable with submitting the form, as I wanted a full refund, but did not want a partial refund or other strings attached. I was confident, based on this wording, that I would be contacted if a full refund was not available, and I could then decline at that time. 

About five minutes after sending the request, I got an email, which is attached. The main part of the email read : > We have issued an airline credit for your flight > You are receiving this email as either your airline has cancelled your flight, or it was noted that you did not take your trip as scheduled because of the current situation related to COVID-19. No need to call us, we've got you covered. Your safety and peace of mind  are of utmost importance to us, and we want to let you know we have issued an airline credit for your flight. 
> > All the details of your airline credit, such as traveler name, amount, and expiration date, will be emailed to you in a confirmation email that you will receive soon. 


This is precisely what I thought I was avoiding from the wording on the cancellation request form. 

I tried to call Chase that day, but when I get through and enter my itinerary number, I get an automated response that says my call can not be taken because my travel is farther than 7 days away. 

I then asked for resolution on XXXX later that day via @ XXXX. They offered one response that did not acknowledge the actual problem with Chase 's cancellation page wording, and will not undo the cancellation. 

As a result, I now have a {$460.00} XXXX voucher, but using it to reschedule will charge me {$400.00} in change fees. Again, this is exactly what I was trying to avoid, and if I knew this was a possibility, I would not have submitted the cancellation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-01
Company: BARCLAYS BANK DELAWARE
State: MA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I feel like I was treated unfairly with regards to my credit. I have worked very hard over the years to build and keep good credit only to have it slashed significantly in one day. I contacted several card companies pleading with them but to no avail. Ive never missed payment with these companies but they chose to decrease my credit limit thus impacting my score significantly. I feel very wrongly and unfairly treated.

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 2023-04-22
Company: ENCORE CAPITAL GROUP 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: Account information incorrect

Complaint:
I have sent several letters asking for validation and the method used to validate multiple fraudulent and questionable items on my credit report. I have not received back anything in over 45 days for these accounts that are very much inaccurate and fraudulent accounts. This credit bureau is disregarding the law and taking advantage of consumers and this has caused big stress in my life as I am trying to buy a new home. The most recent certified letter I sent was XX/XX/2023. 

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.

15 U.S. Code 1681 - Congressional findings and statement of purpose 15 U.S. Code 1681b Section 604- Permissible purposes of consumer reports 15 U.S. Code 1681c2 Section 605 B- Block of information resulting from identity theft 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 1681c1 Section 605 A - Identity theft prevention ; fraud alerts and active-duty alerts 15 U.S. Code 1666 - Correction of billing errors 15 U.S. Code 1666b - Timing of payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: EQUIFAX, INC.
State: TX
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:
The Credit Bureaus and XXXX are crossing my file with someone else. They have me listed as deceased. I am being denied credit every time i apply due to this error. I have disputed this error and sent my information to them showing that I am alive and well with my Driver 's license. However they continue to report me as deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 just checked my Credit report And there is Information that does not belong to me under my name its saying that I live in these addresses and Ive never lived there two different locations are on my credit Ive had this issue before where I was XXXX because somebody else use my information and I was released because I was the wrong person and now Im trying to build my credit work on it and now this if its possible I need to get this fixs

Company response to consumer: Closed with explanation