BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-10
Company: Incomm Holdings Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Purchased card on XX/XX/2022 at XXXX at XXXX XXXX XXXX XXXX in XXXX, Connecticut at XXXX XXXX. Went outside ( XXXX ) to order XXXX XXXX XXXX for Saturday XX/XX/2022 and card was denied. Was told by XXXX XXXX XXXX that I needed to call day of in order to use the gift card. On Saturday, XX/XX/2022 at XXXX, I tried to place an online order but was denied again. I called in the order when they opened at XXXX XXXX  and the card was declined again. Later on ( XXXX XXXX ) after our gathering, I placed a call to Vanilla Gift Cards Customer Service ( XXXX ) and had them look into the issue. The gentleman explained to me that the card had a pending charge of {$60.00} to a gaming company ( XXXX  ) in XXXX XXXX, Nevada that took place on Friday XX/XX/2022 at XXXX. I told him that I did not make that transaction and he took the number down and in seven days to call back and the issue would be resolved. I called back on Sunday XX/XX/2022 at XXXX XXXX to find out if the issue was resolved and was told by the Customer Service representative that it was never filed. She asked me the same information then told me that they would send me by email a form asking me the same questions and it would take 45 days for the company ( XXXX ) to respond and it would take a total of 90 days for another card to be issued if indeed they could recover the {XXXX}. I don't understand how this company can do business without it insuring that issues like this don't happen consistently and how they are not investigated for such things? I don't understand how the online gaming industry is not investigated for these issues either? There needs to be some kind of protection for the consumers. Now I have to wait 90 days to get my hard earned money back and that's even if I can, is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
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:
I recently obtained my credit report and noticed a duplicate account that did not belong, I have no clue who any of the name are.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out to Experian, XXXX, and XXXX to obtain updated and accurate credit scores. I have the apps for each credit bureau and pay a monthly service but have shown no improvement on my scores. I spoke to Experian on XXXX and inquired as to why I am unable to retrieve a current credit report. The last report was dated XX/XX/2021 and when I request an update report, I receive an error message that a report can not be provided at this time. To provide an updated report with credit scores.

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 2023-02-09
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:
My wife purchased six {$500.00} cards. She purchased them in pairs, with three purchases of {$1000.00} for each. We purchased these in XX/XX/2022. One set of two cards was to be a gift to my brother-in-law whos getting married, the other set of two cards was to be another gift to my daughter, who is getting married, and the third set of two were to be set aside as a savings tool. Three weeks ago, we attempted to use one of the cards that we had set aside as a savings tool, and found that it would not go through. I called vanilla gift cards directly after numerous times I was told conflicting information. Finally, after speaking to a manager, I was told that the situation would be escalated And that department that they were escalating it to could not be contacted directly by me. They could only be contacted by the customer service representative via email. I was told I would be called within 72 hours. I was not called. I called back and waited to talk to a manager who was that again said they were sending another email. According to vanilla cards, all six gift cards were discontinued because they were labeled as being fraudulent. They were purchased online and we have the purchase orders, and we have confirmed with our bank, XXXX XXXX, that the money did go through to vanilla carts. Because it has been longer than 90 days XXXX XXXX will not be able to help us. We have {$3000.00} that we want to get back because these cards will not be reactivated and vanilla gift cards is not getting back to us about refunding the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Experian Information Solutions Inc.
State: IL
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 demanded that the following accounts be removed from my credit report : XXXX  Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX, XXXX 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 2023-07-25
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have multiple inquiries on my credit report that I did not authorize. Ive sent letters to each credit bureau about the more than XXXX inquiries to be removed. Its be more than 3 months and the inquiries still remain on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-28
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I requested a 6 month forbearance with M & T bank, it was extended for another 3 months. I advised M & T Bank in XX/XX/XXXX, I was able to resume making payments and requested a loan modification. On XX/XX/XXXX, I submitted the information requested by M & T Bank of NY, which was a modification statement, stating that I am the sole owner of my property, that my property is tenant-occupied and my tenant was impacted by Covid 19. 

XX/XX/XXXX, M & T Bank sent documentation with the terms of my modification and a statement that I would receive the documentation within 30 days. It is going to be sixty days soon. 

Here it is XX/XX/XXXX and I still do not have any paperwork with the terms of the loan modification, although, I received documentation on XXXX and I was told recently on XXXX that this was completed. My frustration is that I'm being asked to make monthly payment via phone as oppose to having the option to pay online. I'm called weekly to ask for payment arrangements and I can not make any payments online, only via the phone.

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 2022-04-10
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
15 U.S.C 1681 Section 602 A States I have rights to privacy. 

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

15 U.S.C 1682 Section C without prior consent given directly to the debt collector or the express permission of a court competent jurisdiction a debt collector may not communicate with a consumer in connection with the collection of any debt,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Sallie Mae was my initial loan servicer but then Navient took over. I am having problems with Navient who keeps trying to get me to go into forbearance, which I do not want to do, and the rep keeps telling me that anyone who is past due 3 months will automatically be put into forebearance, which I am totally against. Due to COVID-19, the White House announced 0 % interest on Department of Education ( DOE ) loans effective XX/XX/XXXX. However, Navient keeps telling me that I do not have a DOE loan ; therefore, I do not qualify for 0 % interest and I must apply for forbearance.I keep telling the multiple reps and supervisors whom I have spoken with, that my loans are DOE loans. I heard about the past lawsuits where Navient was incentivizing employees to encourage burrowers to postpone payments through forbearance. It appears that they are at it again. Please assist in this matter. Navient needs to be stopped with this draconian style of servicing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: U.S. BANCORP
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi, and how are? Im shocked at the proof that you sent me based on my validation request. The law allows me to request validation for above account. I dont know your company, as you may be a scam artist trying to get money from people. I sent a letter to you 30 days ago asking for the following items.

( 1 ). Contract with my name on it.

( 2 ) .Fullaccounting of this account. 

( 3 ). Proof that you have the right to collect money from me.

( 4 ). Proof that you have the right to collect in my state.

And more.

Where is this proof? How does what you sentmeprove that this account belongs to me? It does not. Your company has failed on multiple levels. Let me tell you how.

( 1 ). You reported a debt to the credit bureaus causing my score to go down without validating.

Violation ( 2 ). You failed to provide sufficient proof, yet still continue collection activity by validating the debt above.

Violation Would you like me to continue? DELETE THIS ACCOUNT ASAP or face complaints to the FTC, XXXX, Consumer Financial Protection Bureau, and the Attorney Generals Office. I will also be reviewing my state law to see if a bond is required and if your company is registered to collect in my state. Dont escalate this matter further over this little debt. Delete it at once.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XX/XX/XXXX i sent my XXXX disputes letters No action was taken XXXX. The company did not process my disputes at all.i spoken with XXXX of the agents who verified that.

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 2023-01-31
Company: Experian Information Solutions Inc.
State: TX
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 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2021-11-07
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2021 I entered into a contract of sale for a condo unit through my realtor XXXX XXXX XXXX of XXXX XXXX in XXXX county NJ. I supplied the contract to my loan Originator XXXX XXXX of Amerisave Mortgage. XXXX XXXX had emailed me he would attach the property to my loan file and would begin the loan process. Everything progressed as it should. The mortgage scheduled a FHA approved appraiser, the cost would come out of my application fee of {$500.00}. Under the advice from my attorney and from Mr. XXXX, our loan Originator, my wife and I pulled out the money from a retirement account for closing costs on the condo because we needed to advance our escrow deposit. The amount was {$20000.00} to roll into a new investment, the new condo. My home inspection cost {$750.00}. 
Not one time through the whole process did any representatives from Amerisave state the condo was not FHA qualified. All inspections and appraisal were completed and we moved to close on XX/XX/2021. On XX/XX/2021 I received a email from my loan officer XXXX XXXX telling me that the condo in question was not qualified for my loan type and they would not be able to approve the loan. 
My complaint is that Amerisave Mortgage Corp. Loan Originator XXXX XXXX , his staff and other Amerisave representatives had done their due diligence in vetting the property prior to my out of pocket cost. They allowed this loan to proceed, not insuring the condo matched the qualifying factors of my loan type. This mis-step has cost me an out of pocket expense of {$1200.00}. We also pulled funding from a retirement account, {$20000.00}. This will cause us to be charge a early withdraw penalty of 10 percent of the total withdrawn amount on top of the 10 percent ( {$2000.00} ) for taxes at withdrawal.. Had Amerisave 's loan originator and underwriting staff done the due diligence s and properly vetted this property, this purchase would not have been initiated and would have avoided causing my family monetary damages and emotional distress.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me mental stress. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the ftc report. If this situation is not handled accordingly, i will seek legal action against you guys.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-30
Company: CONGRESS COLLECTION CORP
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a bank of america on XXXX XX/XX/2020 to deposit in my business account at XXXX XXXX XXXX XXXX, XXXX, MD XXXX XXXX. I gave her {$4900.00} and the teller says she only received {$4900.00}. At the time, I didn't know what to do and I was in a hurry, but more I think about it, more I think she just pocketed my {$60.00}. This is the first action I am taking.

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 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My disputes are still not being processed correctly with the correct paperwork per the FCRA. And I am not getting copies of the verification process These are the accounts : XXXX XXXX XXXX Dept of Child Support XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-10
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
inquiries are listed on my credit that i never applied for they are hurting me from buying a house and truck for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: EQUIFAX, INC.
State: MO
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:
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 states a consumer reporting agency can not furnish without my written instructions 15 U.S.C 1692C without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 15 U.S. Code 1692g - Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: ADP Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I hired ADP to process payroll for my company from XX/XX/XXXX through XX/XX/XXXX. Without my knowledge, they sent my account to an overseas company. Not only did they use a Tax ID that I did not provide them with, they also neglected to report the wages of one of my employees correctly to the XXXX. 

They were dishonest and still have not corrected these issues. My State and Federal filings were incorrectly done and the representative XXXX XXXX, in XXXX XXXX, passed me to XXXX XXXX, who is supposed to be a supervisor. Both ladies ignored my calls and never fixed the problems. I have spent over a year trying to correct this and nothing. Have called the XXXX number given to me several times and still not taken care of. 

Instead of correcting the issue they just stopped dealing with me and decided to send me to customer service. Who has no idea what has happened and seems to not care about fixing the issue. 

XXXX XXXX handled incorrectly. Pulled money from my accounts and put large sums in XXXX account that I still don't have back. Address at XXXX changed 9 times. Its been a huge nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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