BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-05
Company: Incomm Holdings Inc.
State: MD
Product: 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:
Purchase of a Vanilla Visa Gift Card made at a XXXX XXXX location on XX/XX/XXXX for the total amount of {$500.00} ( {$490.00} value and {$5.00} activation fee ). When opened, the card was missing digits on the front XXXX through XXXX as shown in the picture. The last 4 digits shown on the receipt for the gift card did not match the card 's digits ( XXXX vs. XXXX ). Suspected fraud and contacted customer service on XX/XX/XXXX and XXXX, only to be told that the replacement card was going to be issued and sent to me via mail within 5 business days. No mail received and called again on XX/XX/XXXX and was informed by an agent that because this was a tampered card case, now requires supporting documents as attached here plus my state ID. All requested documents sent via email on XX/XX/XXXX for case # XXXX and received confirmation email. However, I was informed by multiple agents on the phone that this will now take additional 30 days to resolve without any additional compensation. My funds of {$490.00} has been locked due to the nature of the case and plus activation fee of {$5.00} is essentially wasted for now ( no activated cards available ) due to a faulty product, none of which I am responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-24
Company: EQUIFAX, 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:
Despite the multiple 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 creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. 

XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
https : XXXX This link is to what Capital One says the benefits are for the Platinum XXXX XXXX. According to XXXX XXXX, Capital One Platinum XXXX XXXX HAVE NO BENEFITS. My wife and I booked a plane trip on this card in XXXX, XXXX. My wife fractured her leg and could not travel. I contacted Capital One to get a refund under the travel benefit. A representative in the XXXX said there " are no benefits ''. I asked to speak with a US supervisor and was told " there are benefits ''. The representative had a three way call with XXXX XXXX  XXXX XXXX SAID PLATINUM CARDS HAVE NO  BENEFITS. The representative said he would " refer the case to the executive office ''. I called the executive office twice and was told that the case has " not yet been assigned to anyone ''. It has been two months and I STILL CONTINUE TO GET EMAIL FROM CAPITAL ONE TELLING ME ABOUT THE BENEFITS EVEN THOUGH there are no benefits.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-05
Company: Capio Partners, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Upon discovery after viewing my consumer report I see that XXXX XXXX & his company Capio Partners LLC is report-ing an alleged debt onto my consumer report. I am requesting verification- ( sworn under oath ) of this alleged debt by XXXX XXXX pursuant to 15 USC 1692g ( b ). I am also demanding that Capio Partners LLC cease & desist all forms of communication through any & all mediums pursuant to 15 USC 1692c ( b ) & 15 USC 1692c ( c ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: DISCOVER BANK
State: GA
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 XX/XX/19 I purchased first class tickets with XXXX Airlines, I also purchased travel insurance through XXXX XXXX a XXXX Partner Per XXXX recommendation on their site. 
I was unable to make the flight due too illness All parties attending business eat at the same restaurant and contracted some sort of bug. Meeting was canceled, Some parties left on earlier flights and were already in place others whom had not reached airport returned home. The Airline denied my refund stating it was a non refundable ticket, which is why we purchased travel insurance to be safe. My credit card company ( Discover ) offered me a temporary credit while they claim to arbitrate on my behalf. The Airline did not dispute in a timely fashion and therefor a decision was found in my favor from the credit card company, Somehow XXXX whom is also a customer od Discover ( a much larger Customer were given an addition bite at the apple to turn in documentation to reverse the credit applied to me, again a decision was found in my favor, The airline was then approached by the credit card company and given specific instructions on what to submit to get the credit reverse. Just Now on XX/XX/XXXX I was recharged the fee of XXXX dollars after they were coached by the credit card company on hoe to obtain the funds my travel insurance claim was never followed up on even though we submitted all documentation and all fees were paid It is unfair for the two giants Discover/XXXX to team up behind the scenes for several months to figure out the correct verbage to force me the little consumer to pay for a ticket that was never used. and To totally disregard the protection in place which has XXXX at the top of the letter head giving me false hope of protection. 
Now I am being told only after many hours of tiresome conversation with the credit card company I can submit additional information but only have 10 days to do so. 
Upon contacting XXXX Airlines they said the matter was closed and done they suspended the ticket and issued me a credit through the credit card company? and they have not resubmitted any new evidence that would change a decision from the first set of information they submitted. Whos side is the credit card company working for? obviously the bigger client which is a unfair practice and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Deposits or withdrawals

Complaint:
On XX/XX/1989 I purchased two CD 's from XXXX  XXXX and put them in a safe deposit box and forgot about them. When I closed out the box and found them recently I discovered that XXXX XXXX XXXX doesn't exist any more. I called the FDIC and they told me to contact the NYS Comptroller office of unclaimed funds and ask them to see if they have the accounts ( Reference XXXX ). On XXXX XXXX they sent me a letter that stated that their research has found no unclaimed money in my name. 
I contacted the FDIC again and they informed me that XXXX XXXXXXXX merged with XXXX XXXX  and is now known as JP Morgan Chase Bank. I therefore want to file a claim against JP Morgan Chase Bank so that I can cash my CDs and reclaim my money. 
Anything you can do to assist me would be most appreciated. CDs  correspondence and any other information you may need is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
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:
I value your help to ELIMINATE some items from my credit report that transpired because of a FRAUD yet I still have some items passed on that should be REMOVED. Per FCRA segment 605 you are supposed to clear any data recorded on an ID THEFT REPORT # XXXX ; XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've informed my lawyer regarding my intentions and they are eager to consider you responsible for your negligence : XXXX  XXXX Balance : {$8500.00} ; XXXX  XXXX Balance : {$4200.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX XXXX Balance : {$2600.00} ; XXXX  XXXX Balance : {$3100.00} ; XXXX  XXXX Balance : {$1200.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX  Date of inquiry XX/XX/2020 ; XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX PL XXXX, NC XXXX ; XXXX XXXX XXXX  XXXX XXXX NC XXXX ; XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX  Date of XXXX XX/XX/2020 ; XXXXXXXX XXXX XXXX XXXXXXXX, NC XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$8500.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1800.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$2600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$3100.00} XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1600.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$170.00} ; XXXX Date of inquiry XX/XX/2020 XXXX XXXX XXXX Date of inquiry XX/XX/2020 ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have contacted XXXX XXXX about a XXXX XXXX XXXX XXXX Credit Card they allowed to be opened in my name fraudulently, and I have also contacted XXXX XXXX about a XXXX XXXX card they allowed to be opened in my name fraudulently. I have mailed correspondence to both companies to let them know that these accounts were opened fraudulently, and I have provided both of them police reports that clearly stated these accounts and other accounts were opened in my name as a result of fraud, both companies have refused to refrain from reporting this fraudulent information from my credit report even though I have notified them multiple times and provided evidence that these accounts were fraudulent. I have also contacted Equifax about these fraudulent accounts but Equifax has refused to do proper investigations, and Equifax was also provided a copy of the police report outlining the fraud. Equifax has chosen to continue to allow this fraudulent accounts to be included in my credit file. Equifax, XXXX XXXX, and XXXX XXXX continue to violate my FCRA rights and have therefor defamed my character by willfully and maliciously providing information they know and have been told and provided evidence these accounts were the result of identity theft/fraud. 

Police Report is Attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-27
Company: AMCOL Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently discovered that this company was reporting two collection accounts on my credit reports that do not belong to me. When I disputed the accounts through the credit bureaus they came back " verified ''. I then sent this company letters and they simply responded by saying that I owed nothing on the two accounts. They obviously did not read my letters! I have attached the letters I sent to them and their response to both.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed this inaccurate information with Equifax several times. They are not investigating these as required by law nor are they even putting them in dispute. i have received nothing from them proving anything. I am requesting your help to get these errors removed from my consumer report. This is a violation of my FCRA rights and privacy. Thank you for your assistance and dedication in helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: DISCOVER BANK
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Discover Student Loans charged off my student loan in XXXX of XXXX. Due to a chapter XXXX bankruptcy, they were unable to collect on the account.Upon dismissal of my bankruptcy case, Discover harrassed myself and family members several times per day to collect on the account. 

I sent in payment in full on XX/XX/XXXX in the amount of {$6100.00}. Discover cashed the check on XX/XX/XXXX but failed to apply the payment to my account and claims they have no knowledge of the payment. 

In response, I submitted the copy of the check to Discover as proof of payment. Discover continues to fail to acknowledge proof of payment and the balance remains outstanding and a negative mark on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
the wrong address - an address i never lived at - is on my credit reports and associated with a number of my accounts. somehow???? several of my accounts became associated with my ex-husband 's address. i keep trying to get this sorted out with the credit scoring companies - XXXX, XXXX  and transunion - but they say they can't update address until reporting companies fix address -- - the address has been fixed on all accounts that i am aware of / that are legitimate. but for the accounts that are NOT legitimate - i can't dispute the account because the credit company sees the ( wrong ) address reported by credit agencies .... so i am in a catch-22. my credit is destroyed because credit agencies have wrong address  associated with my name - bills i have never received / don't know about -- and i can't get information corrected - so the problem will never end. this results in me getting turned down for jobs, loans, mortgages, credit lines ... ruins my life. but not my fault. PLEASE HELP ME. 

XXXX, XXXX  and trans union also have several variations of my name that i have never used associated .... and some credit inquiries that i have never authorized. these can not be disputed with the reporting agencies - so it will never be resolved. again - this destroyed - continues to destroy my credit. please help me.

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 2019-12-09
Company: EQUIFAX, INC.
State: MN
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:
The following accounts are lost/stolen and fraudulent charges and transactions are on the accounts : XXXX XXXX/XXXX, {$3400.00} and XXXX XXXX  XXXX, {$1400.00}. The following accounts are fraudulent, unauthorized and not my accounts : XXXX XXXX XXXX XXXX {$1800.00}, XXXX XXXX XXXX XXXX VISA, {$270.00} and XXXX XXXX XXXX XXXX, {$30000.00}. The following credit inquiries are unauthorized and fraudulent : XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XXXX ( XXXX XXXX ),  XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX, XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In accordance with the Fair Credit Reporting act XXXX this account below has violated my rights according to 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. 

Please delete this account from my credit report. 

1. 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 non-monetary relief
Consumer complaint received 2019-12-09
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is DOB XX/XX/XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, 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:
On XXXX XXXX I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-20
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

This letter is to notify you if you do not BLOCK OR REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

This is your FINAL WARNING. Please BLOCK AND REMOVE the ACCOUNT resulting from alleged identity theft. 

XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$63.00}, and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief