BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-22
Company: Incomm Holdings Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I bought a {$500.00} VanillaGo visa gift card ( ending XXXX, Card issued by The XXXX XXXX  pursuant by a license from Visa USA Inc. Card is distributed and serviced ) at XXXX  in XXXX XXXX TX and I was able to check balance. Recently I checked the card again and it was not active. I paid {$500.00} for the card and I made at least 3 phone calls now about the card, it was very painful and frustrating process. 

I called on XX/XX/2020. The customer service representative told me that he will send email to " back office '' and ask them why it was not activated and he said the card should be activated in 48 hours. 

On XX/XX/2020, I checked the balance again and still shows the card was invalid and not active. So I had to call the customer service again. 

A lady took the call and said she will send email to back office and she was not clear on why the card was inactivated and she had no idea if the card was activated when I purchased the card. 

She said I would expect a phone call and I told her that this is a scam and the card issuer tried to steal my money, which is true. 

Now still unsolved, the quality of their customer serves was declining sharply during the last few months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Paypal had a discrepancy between their records and what we were being told by Paypal 's representatives ( including the XXXX office ). The records were in direct conflict with the what were being told on three major points. We asked Paypal to explain this. After six months of avoiding our questions, ( the usual practice was to ask their own question in the response and then answer their own question ), Paypal decided to take action. They suspended our account for asking them to explain a problem we discovered. That was our great sin. 
Paypal feels that they are so big they don't have to explain anything, or they have something serious to hide. Either way, there needs to be an investigation into their practices. 

We am including an example of the question we asked. 
It concerns our account XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I do not believe I owe the dept they are reporting and it is extremely difficult to communicate with experian.

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 2019-10-19
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:
I have no knowledge of the following account XXXX XXXX XXXX. Please investigate to ensure there is no fraudulent activity.

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 2019-08-31
Company: CURO Intermediate Holdings
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019 Speedy cash withdrew XXXX from my account. And I did not give them authorization to do so. They need to show a present contractual obligation for them to do so from that account. This is theft, if you take something that you don't have authorization to receive. Shame on you speedy cash.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-22
Company: EQUIFAX, 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX To whom it may concern ; RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. There have been accounts and services established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. I have been in contact with the credit furnishers listed and have proven that the accounts do not belong to me. They have since closed the accounts in their systems, however, the accounts still remain in your records as active and valid. Because of your mismanagement of account information and unprofessional data being furnished, this has continued to wreak havoc on my financial life and has presented numerous challenged for me and my family. I urge you to remove these invalid entries, at once without prejudice. 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXXXXXX XXXX XXXX XXXX ACCT : XXXX XXXX : {$2500.00} XXXX XXXX ACCT : XXXX XXXX : {$3500.00} XXXX XXXX ACCT : XXXX XXXX : {$7700.00} XXXX   XXXX XXXX XXXX ACCT : XXXX XXXX : {$270.00} You have also listed several addressed for which I am not associated. Your company apparently is practicing in reporting inaccurate information and listing addresses on consumers reports that they have never lived. The only address in XXXX that I have ever lived at is XXXX XXXX XXXX. 

The below addresses need to be removed from my reports immediately! 

XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX NC XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. XXXX NC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX NC XXXX I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuous and ongoing to no avail. 
This is again a demand to remove and block such information from the report in question. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XXXX XX/XX/2020 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a letter to Transunion and they did not respond within 30 days. I want the item Removed from my credit report for violation no response within 30 days. I have enclosed a copy of the letter that I sent them. I have also enclosed Confirmation of Certified Mailed Delivered to them on XXXX. 

RE : TRANSUNIOIN Dispute Letter of XXXX To Whom it May Concern, This letter is a formal notice that Transunion has failed to respond to my dispute letter of XXXX regarding USBK court central callifornia Docket # XXXX. I sent this letter Certified registered mail, Drivers license, copy of social security # and have enclosed a copy of the return receipt which they received onXX/XX/2020 
As you are well aware, federal law Fair Credit Reporting Act, Section 611 ( a ) ( 5 )  requires you to respond within 30 days. It has now been Way over that period since their receipt of my letter. Failure to comply with Federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. 
I am aware that you may have misplaced my letter or have failed to respond to my letter because of an oversight due to the high volume of the requests you receive daily. If this is the case, I'm sure you'll want to handle this matter as soon as possible. For this purpose, I have included proof a copy of my original request and the dated Certified receipt of your reception of the original letter. 
Conlusion : The following information needs to be deleted from my Transunion report as soon as possible for failure to respond within 30 days : CREDITOR AGENCY : USBK CT CENTRAL CALIFORNIA Docket # XXXX Please delete this erroneous, unverified item from my credit report as soon as possible FOR FAILURE TO RESPOND WITHIN 30 DAYS Sincerely, 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 2023-01-07
Company: EQUIFAX, INC.
State: GA
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:
Ive spoken with each credit reporting agency about this matter. They was suppose to be removing inquires within XXXX hrs and mail updated copy of my report which none of the companies did. Which is a violation of my rights. 

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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-26
Company: Experian Information Solutions Inc.
State: NJ
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:
XX/XX/19 -Disputed incorrect data on my accounts with XXXX  , they failed to verify and correct errors on my credit file. No proof provided to me.

XX/XX/19-same as above.

XX/XX/19-same as above accounts : XXXX duplicate accounts XXXX  account XXXX doesn't belong to me XXXX  XXXX incorrect data XXXX XXXX duplicate accounts XXXX XXXX  incorrect data XXXX XXXX XXXX XXXX XXXX XXXX incorrect late pay and data

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 2023-04-27
Company: EQUIFAX, INC.
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, OHIO XXXX XXXX, XXXX AND EQUIFAX FRAUD DEPARTMENT RE : XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. XXXX. XXXX XXXX {$250.00}, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX should redact information that is unrelated to the dispute with this company. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumers written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
PERSONAL ADDRESS ARE INCORRECT ON MY ACCOUNT PLEASE REMOVE Sincerely, XXXX XXXX Enclosures : [ List what you are enclosing ] Identity Theft Report Copy of Credit Report please remove all address, unknow theif used different address to open credit in my name XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX XXXX XXXX XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: MI
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:
XXXX, Experian and XXXX  have invaded my right to privacy by reporting false, inaccurate and fraudulent information which has directly ruined my reputation as a Consumer as neither credit reporting agency, hereinafter 'CRA ', have adopted reasonable procedures to maintain my confidentiality which is in direct violation of 15 U.S.C. 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). An identity theft report was created with the Federal Trade  Commission on XX/XX/2020 and the above listed CRA 's were each notified between XX/XX/2020 and XX/XX/2020. Two out of five accounts there were reported as fraud have since been removed as of XX/XX/2020 however, the remaining three accounts opened in fraud still remain and are being reported without my consent as a consumer.

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
A consumer processed a transaction on my Wells Fargo account without my authorization. I called the merchant and explained that I did not authorize that payment. They advised me that it was nothing that they could do, that I needed to call my bank being that it was already processed. I called Wells Fargo and spoke to 3 different agents. I explained that the merchant did not have authority to process that payment. I was told by one of the agents that because the payment was too close to the actual due date, that they couldn't reverse or stop the payment. I qas also told that the payment needed to get paid anyway. That is for the customer to decide if they want to make that payment or not and for what amount.

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 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 contacted and sent mail to this credit bureau is regard to a fraudulent account they have been reporting on my credit report. This particular account is not mine and I went through all the steps to show them this including filing a report with the Federal Trade Commission. Not only has this bureau not responded to my request to remove the fraudulent account from my credit report but they have not replied to any of my mail. And according to 15USC1692g ( b ) they were suppose to remove the account within 5 days.

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 2020-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Hi my name is XXXX XXXX XXXX. I live at address XXXX XXXX XXXX XXXX California XXXX. My date of birth is XX/XX/XXXX. the answer to my secret question is " what is your pet 's name? '' The answer is " XXXX ''. My debit card number is for XXXX. Expires on XX/XX/XXXX security code XXXX. My social security number is XXXX. 

I'm writing to you today to express concerns about possible corruption and inside jobs within your bank. My account was frozen for no apparent reason and once I got it confirm to be valid and not fraudulent by the EDD state they proceeded to activate my bank account again you got to learn that as of XX/XX/XXXX I was negative {$2600.00}. According to them I was negative because my temporary credit applied for my two disputes have been reversed automatically they said after my account has been frozen. I called more than a week ago to escalate a claim and I called back this Monday to find out that the only escalated one claim the supervisor claims that I would get my money in 3 days so far it's been a struggle to get ahold of anybody to check the status of my claim I was hung up on this morning rudely by a claims department representative. All I'm asking for is there a adjustment my disputes that haven't yet been investigated and also access to my funds that I've received from EDD I also asked do you look into the matters of your employees that haven't been helping people the proper way it's been noted on XXXX and other online forms about similar cases receiving no help whatsoever I need access to my funds as soon as possible feel free to call me at XXXX. I've been waiting about 10 for my negative account balance that shouldn't have happened to be reversed. If my account doesn't get reverse I won't be certifying any new benefits and I will be reporting this to the XXXX XXXX XXXX and the federal government to investigate fraud among the representatives of the bank.

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 2016-06-20
Company: Transcontinental Credit & Collection Corp
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The ER billed me for a service covered by my insurance. Despite letters sent by my insurance to the ER that the invoice was submitted too late to be paid and can not be billed to me, the ER submitted the bill to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-19
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I received a counter deposit for {$3500.00}. It was a check issued on a CITIBANK account which was deposited on my CITIBANK Account. On XX/XX/XXXX the funds were not available. I contacted CITIBANK via chat line and they told me that they needed to verify the funds before crediting them to my account which would likely happen on Thursday, XX/XX/XXXX. I replied that they could not do so if the funds were coming from a check issued on the same bank. They acknowledged their mistake and said they would have corrected the mistake immediately and credited the funds to my account. They did not correct the issue. It looks like a pattern of intentional mistakes and misleading information to customers to illegally appropriate funds for their own investment purposes.

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 2021-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
I have been disputing incorrect late payments with the bureaus since XX/XX/2020. At that time, I did not receive any responses from the bureaus letting me know the status or if they were even investigating my disputes. So I sent another set of disputes to the bureaus on XX/XX/2020 to request the investigation again. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of the bureaus, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by the bureaus to resolve anything. the DAY after I filed my original complaint, data was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. They must be held accountable and to the standards clearly outlined in the FCRA.

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 2023-01-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is regarding a car loan I had with Wells Fargo years ago. I don't have any paperwork documentation due to a house fire that happened in 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