BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-20
Company: Incomm Holdings Inc.
State: CA
Product: Prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a gift card about three weeks ago, and it has a balance of {$50.00}. The card merchant 's name is Vanilla Gift ( vanillagift.com ). I opened up the envelope that held the card, and the card number and security code were scratched off on the card. I made a phone call to Vanilla Gift customer service to request a card replacement due to the damage to the card. However, they said they could not send us a replacement card without the receipt of the card. Since I received this card as a gift, there is no way I can have a receipt without bothering the gift-giver. Moreover, they started opening the case without giving me the following important information. First, they did not inform me that I could have used this card offline if we had not started the replacement process and prematurely opened the case even when I told them that getting the receipt would be difficult to impossible, making the card unusable offline. Second, they asked for my name without informing me whether it should be legal or preferred and opened the case with the wrong name and now asking me to send them documents with my legal name, not my preferred name. The case once opened could not be closed and the card was made unusable without a receipt due to the fault of the company 's. The case number was XXXX The card packaging was not damaged, suggesting that the card was tampered before packing during the manufacturing process. After searching online, it seemed as if this was a common issue, some speculating that the company was doing this intentionally to prevent the cards from being used properly and eventually profiting from unused funds upon card expiry. The card number and security code has been scratched off in the precise location ( along with many supporting similar incidents ) to believe that this is not an accident but intentional. I believe that this kind of malpractice is an extremely serious problem, causing me to raise this complaint. 

Thank you for looking into the matter. I sincerely hope that vanillagift can be held accountable for this action, and that the problem can be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSWORLD SYSTEMS INC
State: GU
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2023 I believe this debt is related to the fraudulent theft of my identity used to open up a credit card with XXXX XXXX XXXX 

XXXX XXXX XXXX  claims that I made this request by a branch visit, but I have not been to the US mainland in 30 years, so I find that impossible. I request that this debt be cancelled due to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a validation letter to Caine & Weiner Company Inc via registered mail # XXXX XXXX XXXX XXXX XXXX on the date of XX/XX/2022 to validate the debt they claim I owe. I have no knowledge of a debt or obligation so I asked them to kindly validate it in a notice. They didn't respond. They are currently causing financial injury to me and making it difficult for me to acquire credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-14
Company: National Credit Systems,Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have on my credit report that I owe a balance of over XXXX to XXXX XXXX XXXX to an apartment complex that I never lived in, I have never lived in XXXX XXXX XXXX so this debt is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I recently received an escrow analysis from my mortgage holder. They claim that my escrow account has a shortage of {$1200.00} but according to my calculations, I should have a positive balance of {$780.00}. 

I have attached 5 financial documents to this complaint. Please reach out to me should more information be needed. 

According to the mortgage holder 's own records, I had a positive balance of {$1900.00} on XX/XX/XXXX. Since that time I have made an additional {$2400.00} in escrow payments, making the total of XXXX payments and the XXXX balance {$440000.00}. 

The expenses for this account total {$3600.00} for XXXX according to the lender 's own documents. My total of payments for XXXX and the ending balance on the account at the end of XXXX ( {$2400.00} + {$1900.00} ) should total {$4400.00}. If you subtract the {$3600.00} expenses for XXXX, that should leave a POSITIVE balance of {$780.00}. 

This lender has paid my property taxes LATE on at least two occasions which caused fees of several XXXX dollars. I should not be responsible for these fees. Still, such fees would not account for such a large discrepancy in records. Please help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: CT
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:
Pursuant to FCRA creditor SPS account # XXXX has violated FCRA 1681a ( 2 ) A ( i ) - reporting transactions ; 1681 - right to privacy ; 1681 ( 604 ) ( A ) ( 2 ) - consumer reporting agency furnished account without my written consent and instruction ; ( 1666 ( B ) - creditor may not treat payment under consumer credit plan as late for any purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: BROKER SOLUTIONS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have an escrow account with New American Funding, they have not paid my home insurance. My insurance company XXXX XXXX provided a bill in XXXX of 2021 and it was due in XXXX. In XXXX, I received an email indicating payment had not been received to the insurance company. I spoke with a rep at XXXX XXXX. XXXX and they indicated they would overnight payment to insurance company. I follow-up and they indicted it was sent. Yesterday, XX/XX/2021, I received a letter indicating payment was not yet received. I called and spoke with a manager and they acknowledge this issue and that the error was on their side.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 i Certified mailed Experian Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( Experian ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates.

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW 1 ACCOUT NAME : XXXX XXXX / ACCOUNT NUMER : XXXX 2 ACCOUT NAME : XXXX / ACCOUNT NUMER : XXXX 3 ACCOUT NAME : XXXX XXXX / ACCOUNT NUMER : XXXX I have uploaded all of the proper documentation to support my claim.

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 2020-10-19
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
This is my 3rd time trying to fix the errors of this alleged account. I wrote two letters both XXXX and XXXX of XXXX, but yet inaccuracies still remain. I have attached a photo proof below of the inconsistencies and inaccuracies that have been continuously verified. The date of last activity in different across all three bureaus XXXX  shows XX/XX/XXXX, Experian shows XX/XX/XXXX and XXXX  has XX/XX/XXXX. Please tell me how this information was verified by the same creditor but still report inconsistently across three bureaus? I have a right to an accurate credit report please delete this unverified inaccurate account immediately. 


Account Name : XXXX Account # : 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 2023-09-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Back in late XXXX, I received email from Citibank that they need to verify my identity followed by a notice from mail. Next day I called their consumer business unit per the letter and they asked me to to provide forms of ID electronically. I responded I will go to a branch in person and bring in couple forms of ID including my original driver license and US passport. After I got to the branch for over an hour, the branch manager finally figured out they dont have my social security on file possibly due to system upgrades. The next day, on XX/XX/XXXX, I went in the second time with my original social security card and the branch manager made copies and forwarded the info to the related department.

Two weeks after, on XX/XX/XXXX, I got another email stating that if their consumer business unit doesnt receive the info as requested by XX/XX/XXXX, my accounts will be restricted. As a result, I emailed the branch manager, but no response was ever received. Next day I called the consumer business unit and verified that they had received the info and my case was under review. Nevertheless, last Friday XX/XX/XXXX, I went online and found both our savings and checking accounts are blocked. After a series of phone call to the branch and forwarded to other departments, i was told the unit which is responsible for the review hasnt got to my case. Although they are willing to expedite, it will take 24-48 hours to lift the block. 

As of today, XX/XX/XXXX, the accounts are still blocked. No transactions cane be done, that means my payments and checks will be returned and my husbands retirement monthly payout can not be deposited. This ruins my credibility and cash flow. Am I supposed to be penalized for my cooperation with the bank? My follow ups with the bank doesnt mean anything to their operation. Its Citibanks inefficiency in their operations that cause all these troubles, Though I was told my case is being expedited, the block issue is still unresolved as of today.

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 2019-07-31
Company: EQUIFAX, INC.
State: CO
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:
A negative collections flag appeared XXXX XXXX on my account from XXXX XXXX XXXX. I happened to be getting married, so I was not paying attention to my phone at the time. Once we got back around XX/XX/XXXX, we found that my account was still flagged and had lowered my score 121 points. On XXXX XXXX I called XXXX using my free credit service with XXXX to see what was going on. They recommended calling XXXX XXXX XXXX. I called XXXX XXXX XXXX  that same day and gave them my information to find out what kind of collections I owed. They could not find my name in their database and told me to submit a dispute. I submitted a dispute to XXXX XXXX XX/XX/2019. I didn't hear back about the results until XXXX XX/XX/2019. XXXX said the collections was legitimate even though I knew it wasn't from a basic call. I am now trying to submit a complaint in order to get this dispute resolved. I also checked Equifax and found the same collections had made its way there and I just submitted a dispute with them XXXX XX/XX/2019. I've had to do this before and know that it will take 30   days, and then require another complaint to CFPB. If there was anyway that I could take care of both credit agencies without having to wait so long that would be a lifesaver since we've been trying to find a place to move.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: Kikoff Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I disputed something with the credit reporting agency after 30 days they did not put account in dispute which is a violation of USC code 1679 each I want this information deleted of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
Company: CITIBANK, N.A.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Opened a Home Depot card after receiving a letter in the mail, followed by an email advertising 18 months 0 % interest. I receive the card and begin using it, but when I login to the site it only says 6 months special interest. I send them a message asking for them to clarify and they respond with extremely confusing and lengthy amount of steps that need to be taken to request additional time on the interest charges on a per transaction basis. I am still receiving letters asking me to open a card with 18 months 0 % interest.

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 2022-07-09
Company: Experian Information Solutions Inc.
State: OR
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:
This account had been delinquent since about XXXX years ago, it may have been on my credit report back than, yet it reappear on my credit report as a current account but deferred and being paid as agreed. I have no communication or agreement to make my account current or pay. All what was reported is false. I believe the reinserted account shouldnt be on my credit report. The XXXX-year credit report limit begins on the date the debt became delinquent with the original creditor. I want the credit agency to remove the information from my credit history and to request the reporting collection agency how in the first place it becomes current, after XXXX years.

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 2023-01-16
Company: Experian Information Solutions Inc.
State: MD
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 recently reviewed my credit report and I found errors on my report from accounts I did not provide my written instruction. According to 15 USC 1681 I have a right to privacy and a consumer reporting agency can not furnish an account without my written instruction.

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 2022-05-21
Company: CORELOGIC 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: Personal information incorrect

Complaint:
Hello CFPB, The address that is currently displaying on ALL of my credit reports is WRONG, incorrect and is a potential serious identity fraud risk! 

I'm hoping you can help me with fixing the address that is showing on all of my credit reports. 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX I have lived at this address for over XXXX XXXX, so I don't understand why the information is displaying incorrectly on my credit report. 

I want to assert my legal right for 100 % of the information on my credit report to be fully accurate. I don't know the law or FCRA statute that protects this legal right, But I know it exists. 

I am quite concerned to get this fixed ASAP. 

I have sent multiple letters to the Credit Bureaus requesting they correct my address. 

To date, they have NOT corrected the problem. 

I request that ALL Credit Reporting Agencies, ( including what many people call the sub-bureaus or data furnishers ) to immediately correct my address ... OR ... if they are not able to display my current address correctly due to a limitation of their technology systems... 

... Immediately remove ALL addresses that do not EXACTLY MATCH this one. 

I would rather have NO address listed at ALL on my credit report, than to have the wrong address listed! 

My current and correct address is : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX There is a similar address in the neighborhood that is NOT CORRECT aka XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NOT CORRECT. 

I will attach a PDF which includes documents which clearly show my current and correct address : My State Drivers License, Apartment Rental Agreement/ Lease 2 Bank Statements Voter Status Car Insurance I have experienced that computers often auto-populate MY address incorrectly, miss entering the address, aka not including the " XXXX '' in the number, OR the city of XXXX XXXX XXXX My apartment is in XXXX XXXX. 

Please understand that my correct address MUST include " XXXX '' and XXXX XXXX, as listed on my identification documents, otherwise other people receive my personal mail. This could lead to other people stealing my identity. 

Please also remove ANY and ALL Phone Numbers listed on my credit report. 

Please correct these issues Immediately. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-08
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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX TransUnion Consumer Solutions Dear, TransUnion I am writing to request the removal of the address XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX from my TransUnion credit report. My latest credit report shows that it is listed as one my address and I no longer have any involvement with this address I asked that it be removed. I also would like XXXX XXXX to be removed as my employment I no longer work with that company. Both address and employment information needs to be removed immediately!! 

Thank you in advance, 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 2023-01-16
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: Investigation took more than 30 days

Complaint:
On XX/XX/2022 i Certified mailed TransUnion Tracking Number XXXX a letter asking their company to investigate and delete the inaccurate accounts that is reporting on my Consumer Report. By Federal Law According to the FAIR CREDIT REPORTING ACT 15 USC 1681i ( 1 ) ( A ) the consumer reporting agency ( TransUnion ) before the end of the 30 -day period beginning on the date on which the agency receives the notice of the dispute from the consumer after 30 days if the consumer reporting agency can not verify or validate this inaccurate Information the consumer reporting agency must promptly delete the items from the file of the consumer.

Also According to the FAIR CREDIT REPORTING ACT 15 USC 1681b ( 2 ) a consumer reporting agency may not furnish any information on a consumer report with out the written instruction of the consumer ( me ) to whom it relates. 

IM DEMAING THE FOLLOWING ACCOUNTS BE DELETED IMMEDIATELIY FOR FAILURE TO COMPLY WITH THE FEDERAL LAW XXXX ACCOUT NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have uploaded all of the proper documentation to support my claim.

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 2023-01-16
Company: The CMI Group, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CREDIT MANAGEMENT LP ( XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$650.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX  XXXX  an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief