BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-10
Company: Experian Information Solutions Inc.
State: NY
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:
Please be advised this is my SECOND WRITTEN REQUEST that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance.Despite my previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I demand the account be verified or repaired immediately. 

XXXXXXXX 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 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
B of a unemployment issued card Roughly around XXXX XXXX that particular event where am I and my children were left in the cold cold rain no food no bed no shower I happen to be an substantial amount of time away from home on a family trip I couldn't even get gas to go home if I wanted. Their excuse was there were no night people to handle my card when I went to the automated and when I did get someone they weren't any help anyway that costed cancellation fee and everything not including that little double dip is probably around XXXX and then another time around XXXX I had to sleep in the car because I could not get gas because they froze my car because they overdrawn for double dipping from the list to say I had to cut the family time short. that I can not put a price on it. I'd say that trip was a good {$410.00} also similar complaint about XXXX XXXX where sometime during XXXX 2022 I was once again Frozen and they have no night bankers who can do anything I don't know why they have people who answered if they can't do anything to unlock or fix issues throughout the night especially for people who are traveling it was needless to say the most disappointed I've been in tricounty

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX 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.

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 2023-10-12
Company: Incomm Holdings Inc.
State: VA
Product: Prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I am confident that someone is tampering with Vanilla Gift Card. In the following I will give you my reasoning. 
I received a gift card on my birthday around mid XXXX. As you can see in the picture the card was bought 3 days before the birthday party. Once I opened the card the last 4 digits of the card was not visible. I tried to reflect the card in the light and was able to retrieve the last 4 digits by checking the vanilla gift card website and try couple of times and I saw that it had XXXX $ balance. Also the packaging has never been opened, so I was really the first one you opened the package. 
I wrote the card number somewhere safe and kept it at my desk. 
Today, almost 2 month after by birthday, I tried to use the card at local store. The card swiping did not work ( red flag ), but I ignored it and I said I will try to purchase something online with the card given that I had the numbers. 
I tried to check the balance to know how much I can spent ( I forgot the original value ), when I entered the number at the Vanilla Gift card site, I saw that there has been a purchase done to the card at some XXXX  store 2 weeks after the card was purchased. You can see in the attached document. When I called vanilla gift card they asked for the receipt of purchase ( very unreasonable ) to even start investigating this obvious fraud. I will try to talk to the person who gave me the card to retrieve the receipt and see if something might happen. But this clearly shows something is wrong with VanillaGift card company. The support center is very shady and I had this problem where the last 4 digits was scratched before but since the balance was so low I did not bother to pursue. 
I think the scam scheme involves someone tampering with card numbers and swiping magnet and then later getting the exact equivalent from a XXXX  store.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account Name XXXX XXXX XXXX Account Number XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2023-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was stolen in XXXX, since then Ive been seeing a lot of unauthorized inquiries and accounts. Ive attached a police report pertaining to the incident. In accordance with the Fair Credit Reporting act multiple unauthorized Inquiries have been found on my credit report please investigate and Remove all inaccurate inquiries I have listed immediately, the following includes : 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 XXXX XXXX XXXX XX/XX/XXXX : 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 hand written instructions. 15 U.S.C 1681i Section a : states that if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file if no documentary evidence is found in accordance with FCRA, 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 or reseller.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Midland credit management its not my first complaint about them so I am not surprised that they came back full force at me. I dont have the date of the call. But their associate immediately picked up and put me on hold. Putting a Supervisor on the phone to inform me of YET AGAIN MCM calling. Informing them acronyms are against the law. I was not informed my phone was being recorded anymore either. Especially after my last complaint, how they judge can order phone records. They have 7 of my collection accounts. They again said we are attempting to collect a debt I wasnt aware another person 3rd party individual could tell a consumer they owe debt? Violation # 3 Im up to XXXX in this phone call MCM. I offered a great deal remove the accounts and Ill call it even. Now I want my check in the mail I dont agree to settle. They already had put everything back onto my credit report HOW DOES A DEBT COLLECTION AGENCY START LATE PAYMENTS OVER? Im confused? Thats right THEY DONT. ILL SEE YOU IN COURT.. MCM. XXXX has a lot of explaining to do. Make sure they are really verifying your information and reporting accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: VA
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:
Greeting, I am XXXX XXXX XXXX XXXX military. 
I was XXXX overseas for almost 5 year my home Mortgage was originally with XXXX which sold or transfer everything to XXXX XXXX. While overseas I suffered with many set back. 
1 ) my wife and kids get stock in the XXXX XX/XX/XXXX for 9 months with my XXXX XXXX XXXX due to XXXX while I XXXX and at the same time I had a leak in my house which take months to figure out. 
2 ) My XXXX passed away XX/XX/XXXX due to XXXX and I was contact by the XXXX XXXX for funeral arrangement while XXXX. 
I came back from the funeral back in XXXX. I suffered a back injury on XX/XX/XXXX for which I am in XXXX duty. XXXX XXXX contact me about the change changes which I explain to them I was overseas. They never never stop calling my and reported me to the credit bureau. I am respectfully ask to delete and remove the late fees from my record please. thank 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 2022-02-26
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:
In accordance with the Fair Credit Reporting Act, he following accounts have violated my rights : Account name/ number XXXX , account # XXXX XXXX, account # XXXX XXXX, account # XXXX US DEPT ED, account # XXXX XXXX XXXX  XXXX  , account # XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX XXXX, account # XXXX XXXX, account # XXXX XXXX XXXX  XXXX, account # XXXX 15 U.S.C. 1681 Section 602 A Section 1 : 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 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 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
Have disputed several times with 3 credit reporting agencies to correct the principal balance and interest rate and payment history on said loan with XXXX XXXX XXXX. 

XXXX is reporting incorrect information to 3 credit bureaus on Account principal balance and interest rate and payment history.

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 2023-04-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XX/XX/2023, one unauthorized transaction was shown on my Chase credit card mobile app, and I called Chase immediately to cancel my credit card and require a dispute ; however, two months later, they rebilled me this transaction which is {$1100.00} on my balance. I tried to redispute this transaction. While looking for a solution, one of the local branch managers told me that in XXXX, Chase had sent me a new credit card which I had never received, and the information I was not acknowledged until they told me. The transaction I want to dispute was made by that new credit card with the same card number but a different expiration date. The most confusing part is that they sent me a new card, but at the same time, my old one can still be available for purchase. The new credit card, which apparently had gotten stolen, also can be used without my authorization or verification. The Chase XXXX department staff told me that she had done her investigation and showed the person who used my credit card was possibly my relative or a friend. The reason they provided it confuses me because the mailbox in my building has all the names who inhabit my building, her explanation was the person she reached out to was able to claim the persons name on the mailbox is living with me but I don't recognize who they are. Ultimately, Chase bank denied my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 have a total of 24 inquiries i did not authorized in short it was not me! And i have 2 accounts that i want it deleted immediately becuase i have no financial obligation! i when i contact the credit bureau i was ask to submit a report here and add the needed letters and documents so place since i have taken my time to do this can you also take a time to review and submit this.

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 2023-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 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 non-monetary relief
Consumer complaint received 2023-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/2022 to remove these items that is 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 accounts or information not later than XXXX business days. Ive already included this in my previous complaint # & I am including it again., XXXX XXXXXXXX .... Balance : XXXX XXXX XXXXXXXX XXXX XXXX .... Balance : XXXX  ; XXXXXXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX .... Balance : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Balance : XXXX XXXX XXXX XXXX XXXXXXXX Balance : XXXX XXXX XXXX XXXX XXXX XXXX  Balance : 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 2022-02-27
Company: Alliance Collection Agencies, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Lack of upfront and honest communication in how to resolve any medical collection issues. Consumers are not being told that they might have various options in order to prevent any credit bureau reporting, that is negative to a consumer. After making several payments on this collection account, over several months this happens. I am reported to all 3 credit bureaus. After calling the collection agency about this they stated that I never asked about this specific situation. I want to know why they are not telling consumers first off any and all available options to resolve any collection issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
15 U.S. Code 1681i - Procedure in case of disputed accuracy.

15 U.S.C. 16815-2 ( 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. 

Did not make these inquirys Hard inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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