BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: Incomm Holdings Inc.
State: CA
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:
VANILLA VISA : I received a {$25.00} Vanilla Visa Gift Card in XX/XX/XXXX. 

On XX/XX/XXXX, I tried to use the card to shop online as follows : 1 ) XXXX : Online purchase of items up to {$25.00} + use of XXXX Gift Card. DECLINED. A subsequent purchase went through but only because I also used a separate XXXX Gift Card that had sufficient funds to purchase the entire order. The Vanilla Visa never worked, could never be applied no matter what I did. I tried 4 times. 

2 ) XXXX : Online purchase of a XXXX gift card, DECLINED. I tried XXXX 3 times. 

3 ) XXXX : Online purchase of a XXXX XXXX XXXX. CANCELLED I reviewed the Vanilla Visa website FAQs, clicked on all pages associated with my card and called XXXX. " XXXX '' answered my call and told me to choose another vender. When I explained my experiences and mentioned that I had already tried three ( 3 ) mainstream vendors, XXXX, XXXX and XXXX, " XXXX '' told me again to try another vendor and suggested I try XXXX. 

I asked if I could use the card in-person and was told I could not. I was also told I could not use Vanilla Visa to purchase gift cards and that I could never apply Vanilla Visa to orders in excess of its face value even if I paired Vanilla Visa with gift cards or other forms of payment. 

I asked for a reference number for my call to XXXX XXXX Customer Service and was told there was not one, that I should use the card number itself to reference the call ( XXXX XXXX XXXX XXXX ). I called today XX/XX/XXXX at XXXX XXXX. 

In addition to Vanilla Visa, I have had great difficulty using other Virtual Visa Gift Cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: Freedom Mortgage Company
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX we applied for an interest rate reduction. Since then we have been awaiting title to clear. I have emailed and/or called everyday to find out what is needed, and I keep being told we have escalated this to our manager, or we emailed title company to see what is needed. It has been almost 2 months. I have heard great things about freedom and really want to have a relationship with them but this is getting insane. additionally, since we applied interest rates have gone down, we inquired about having a lower rate and was told they would look into, but again no response. Please please just help us get the interest rate reduction program completed.

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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
Upon review of my credit report I discovered a loan account that I did not authorize and have zero knowledge of. I do not have a relationship with XXXX XXXX but they have me documented as having acquired a loan in XX/XX/2022 in the amount of {$17000.00}.

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 2023-01-13
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/ I sent money to a recipient through Venmo in the amount of {$300.00}. I selected their payment protection service, that indicated it provides protection when purchasing a good or service. It did not clearly indicate the funds would be held for 21 days. In their fine print it does indicate they may place a hold on funds for certain reasons but does not specify any time limit - let alone a 21 day on funds. During this time Venmo has retained possession of the money, undoubtedly using it for financial gain for their company. They will not provide me any information on when and if the hold will expire or reverse it at my request. Both I and the recipient are at their mercy until they decide to release my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
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: Investigation took more than 30 days

Complaint:
I was never late on the payments and the account is closed.

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 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Filed a dispute on XXXX XXXX XXXX. Transunion claims they verified but have not produced proof of verification when requested. I know they cant be verifying it because it does not belong to me but they still wont delete it

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 2022-04-13
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
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: Old information reappears or never goes away

Complaint:
I am applying for a mortgage and XXXX XXXX XXXXXXXX and Experian let me know they update correct balances monthly ( not virtual ) so you have to wait which keeps your score lower than it should be and you pay more. 

I am sending attached what the actual balance is as of today and what Experian and XXXX are still showing, it would move my score please update it, its XX/XX/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 2023-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Credit information belonging to someone else witha similar name has been reporting to my Transunion credit report. 

XX/XX/22 and XX/XX/22 disputes were filed with Transunion : XXXX XXXX XXXX XXXX XXXX REMOVED ( belonging to XXXX XXXX XXXX ) XXXX XXXX Personal Loan REMOVED XXXX XXXX XXXX XXXX XXXX XXXXlias name REMOVED Some of the addresses associated with the unknown alias were also removed. 

I provided a substantial amount of identy documentation to Transunion that proves we are not the same person ( Birth Cert, SSC, Drivers License, Lease ). 

XXXX XXXX Credit Card responded to dispute immediately and claimed that the account was " VERIFIED '' but have yet to launch a proper dispute or provide proof of how they validated an account belonging to someone else. I did not initially notice the report because it had been reporting in good standing since its opening so my credit monitoring was not alerted. 

I have disputed with XXXX XXXX directly as well as Transunion with no resolve. I've been a victim of credit file merging and Identity theft for over 10 years. It is obvious the account holder is a completely different person. Transunion refuses to remove the inaccuracy even with verifying documents that helped remove the other information belonging to said person, off of my report.

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 2022-04-13
Company: Bread Financial Holdings, Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Comenity Bank for XXXX store card I've disputed this through XXXX  I've spoken with agent I'm being harassed call after call when I'm at appointment church functions and I even explained I was making funeral arrangements for a family member to which I got 3 calls after that plus this account is from 2007 and should have been covered long ago

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-29
Company: EQUIFAX, 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:
I am writing to dispute the following accounts that are listed on my Equifax credit report : XXXX Account # XXXX XXXX  Account # XXXX XXXX XXXX XXXXXXXX Account XXXX XXXX Opened XX/XX/XXXX & Account # XXXX Opened XX/XX/XXXX I do not owe these debts and I have never authorized anyone to open these accounts in my name. I believe that these accounts are the result of identity theft. 
there are no variations to my name it should only be reported as " [ XXXX XXXX XXXX XXXX '' and the only address that should be on my credit report is where ive been living for XXXX years never lived anywhere else " XXXX XXXX XXXX XXXX XXXX XXXX XXXX  new york XXXX I have submitted a dispute to Equifax , but I have not received a debt validation letter from the debt collectors. I have also tried to contact the debt collectors directly, but I have not been able to get in touch with anyone.

I am requesting that you immediately remove these accounts from my credit report. I am also requesting that you provide me with a debt validation letter for each account.

I am aware of my rights under the Fair Credit Reporting Act ( FCRA ). The FCRA gives me the right to dispute inaccurate or incomplete information on my credit report. I also have the right to be free from fraud and deception in connection with the use of my credit information.

I am enclosing copies of my driver 's license and a recent utility bill to verify my identity.

I am requesting a response to this letter within 30 days. If I do not receive a response, I will be forced to file a complaint with the Consumer Financial Protection Bureau ( CFPB ). 

Thank you for your time and attention to this matter. 

Sincerely, [ XXXX XXXX XXXX XXXX ] I hope this helps!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I read about how I was supposed to be contacted by Wellsfargo about the money that they owe their customers and how they are supposed to inform us. I have not been notified about them breaking numerous consumer financial protection laws.

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 2023-04-23
Company: Lendmark Financial Services
State: MS
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:
My name is XXXX XXXX and I am a consumer/ natural woman submitting this complaint on the behalf of myself without any influence of any third party being involved. Fraud has been committed on my consumer report, and I did not consent, nor authorized these transactions on my report. I demand that the following accounts listed on attached document be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-09
Company: MB FINANCIAL, 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:
( XXXX ) XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXX SERVICES XXXX XXXX, XXXX XXXX XXXX, XXXX Auto Financing Companies XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX I went in and looked at bikes the salesman said they we NOT running any Hard Inquires. He lied XXXX these inquires showed up. He said I was in the system from before so no need to run the hard Inquire. Id like to have them removed please and I give you the permission to assist me to resolve this, and give access to my info

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Capio Partners, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt In amount of {$1400.00} was paid to capio partners on XXXX. Paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: EQUIFAX, 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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2018-09-04
Company: Experian Information Solutions Inc.
State: CA
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:
Experian FAILED TO EXPLAIN in a recent complaint to them ( submitted through the CFPB! ), WHY a POSITIVE CREDIT ITEM WAS REMOVED FROM MY CREDIT REPORT BEFORE 10 YEARS HAD ELAPSED! Experian 's response to me over the previously submitted complaint, stated that EXPERIAN 'S " credit report policies '' keep a " positive credit item '' on a consumer 's credit report for 10 YEARS ( my positive item-a STUDENT LOAN PAY OFF! ) was removed after only EIGHT YEARS! WHY? 

WHY does Experian REFUSE TO ANSWER QUESTIONS SUBMITTED TO THEM, even through CFPB?

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 2023-08-28
Company: Bread Financial Holdings, Inc.
State: IA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called and spoke to an agent to close my XXXX credit card with Comenity Bank on XX/XX/2023 and paid off the balance in full. On XX/XX/2023 I received a bill for {$2.00} showing it as a minimum fee charged. 

The same thing happened when I called in and spoke to an Agent and paid off the balance and closed my Victorias Secret card on XX/XX/2023. 

While the fees were removed after I called to complain, its pretty clear this is a regular practice for Comenity bank. I am reporting it because this is clearly a UDAAP issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-16
Company: Experian Information Solutions 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 a gainst you!

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 2023-01-25
Company: EQUIFAX, 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:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: WELLS FARGO & COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I owed a balance of about {$1900.00} on my {$20000.00} car loan in XXXX  after XXXX XXXX  from a car accident. 
I had trouble with the last 4 or 5 payments of my loan ( {$390.00} each ). 
I asked Wells Fargo for help or advice because I might file bankruptcy and they responded by adding large charges to my account and started repeated collections calls. 
I was able to sell the vehicle at a profit but they refused to release the title and then illegally repossessed the XXXX with my personal items in it. 
They sold it at a profit but continued to charge me their total balance due over {$4000.00}. 
They reported that to all 3 credit reporting companies. 
I called Wells 3 or 4 times about the credit reports and the balance from the XXXX sale without getting any help. 
I was finally able to convince the credit bureaus to remove Wells Fargo from my credit reports. 
I then called Wells Fargo again about the money they owe med from the sale of the XXXX and they responded by putting their item back on my credit reports.

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