BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-23
Company: Incomm Holdings Inc.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Hello, I purchased a XXXX Prepaid Visa debit card at XXXX on XXXX XXXX, 2016. Then I paid for a value of {$500.00} to be entered into this same card - payment was not w/ another credit card or a cheque but w/ cash. The XXXX clerk who sold me the card, said my card was activated as she handed me my receipt & the receipt also states that the card was activated. 

However, I think less than an hour after buying this card, I tried to use it - but the card did n't work. Seeing that my card did n't work, I went to XXXX to get my money refunded, only to learn that they would instruct me to call a toll free # XXXX. When I called to get a refund, I was told ( I think this was less than 2 hours after I bought the card ) I would have to scan & then send a copy of : the purchase receipt for the card, a copy of a utility bill w/ my name on it, my passport, a letter stating I want a refund, as well as front & back pictures of said card to I believe their Fraud Department, which I would eventually do, exclusive to the copy of the utility bill. Further, I was informed it would take at least 1 month for my refund cheque to be sent to me ... that 's it would take 1 month to get my money back from a simple cash transaction & I would still be getting a cheque at that. 

I 've sent this company all the required scanned copies of what they 've requested, except a copy of a utility bill w/ my name on it because I do n't have XXXX. I 've been in contact w/ this business via their toll free number & XXXXXXXXXXXX but The last email I received from them was XXXX XXXX, 2016. 

My case number for this matter that the firm assigned to me is XXXX & an earlier number they gave me is XXXX. 

I 've been directed to these websites : XXXX XXXX : XXXX? XXXX The reason I 'm contacting your office is twofold : I would like a complete refund for this card which I 've never used to make a purchase - which has never worked - that still has {$500.00} credited to it. Furthermore, I 'd like to file a consumer complaint against this company as well as XXXX, as they provided me no warning for the possible pitfalls in purchasing this debit card. 

I 've now waited more than 4 months trying to get a refund, spending hours writing emails, paid money making phone calls contacting them, etc. Given that this is a matter of an ordinary cash transaction, this has become quite simply - the most disgusting experience I 've ever had w/ a company as a consumer in my entire life, anywhere in the world. 

Could you assist me? 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: EQUIFAX, 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:
I am a natural person, I am a living human being, I have the rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the account listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish this account. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Experian Information Solutions Inc.
State: AZ
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 XXXX/XXXX Visa Credit Card is lost/stolen. The card over limit balance of {$3100.00} is all fraudulent and unauthorized transactions due to my XXXX/XXXX visa credit card being lost/stolen. The balance of {$3100.00} is all fraudulent transactions that dont belong to me. The following credit inquiry is fraudulent and unauthorized : XXXX XXXX/XXXX  XXXX XXXX, XX/XX/2018.

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 2020-11-23
Company: EQUIFAX, INC.
State: GA
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 disputed the inaccurate reportings with XXXX, XXXX, and Equifax several times to no avail. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. I never paid the following accounts late, XXXX XXXX : XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX, XXXX  is reporting a payment status of current but then reporting late payments of 30 days late for XX/XX/XXXX, XXXX andXX/XX/XXXX, 60 days late in XX/XX/XXXX and Equifax is reporting a payment status of current but then reporting late payments of 60 days late for XX/XX/XXXX, and 30 days late for XXXX and XX/XX/XXXX, XXXX : XXXX  is reporting a payment status of Late 30 Days but does not provide the dates the account was 30 days late, XXXX  is reporting a payment status of Unknown and not reporting any late payments, Equifax is not reporting this account. The following accounts do not belong to me and should be removed from my credit file, XXXX  : Account Number : XXXX XXXX  is not reporting this account, XXXX  is not reporting this account Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$600.00}, XXXX XXXX : Account Number XXXX XXXX is not reporting this account, XXXX  is not reporting this account and Equifax is reporting an opened date of XX/XX/XXXX with a past due balance of {$890.00}, XXXX : Account Number XXXX XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance, Equifax is not reporting this account, XXXX XXXX  Account Number XXXX XXXX is not reporting this account, XXXX  is reporting an opened date of XX/XX/XXXX with an unknown past due balance and Equifax is not reporting this account, Chapter XXXX Bankruptcy Reference # : XXXX XXXX  is reporting a filed date of XX/XX/XXXX and a closing date of XX/XX/XXXX, XXXX  and Equifax are not reporting this bankruptcy. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, XXXX  and Equifax considered to be furnishers? These accounts either do not belong to me or were not paid late and XXXX, XXXX  and Equifax have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
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/2022. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 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. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, DE 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 2020-08-05
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 would like to notify you about all accounts which were opened not by me. After divorce with husband he could not sue a lot, but he had all my personal information like copy ssn and Dl. He applied for a few accounts using my name, but different addresses. He used to all credit card which opened on my name and did not pay. I did not know anything until recently. I went to police department to have affidavit and also I was trying to sue him. No one of these account are not belong to me or any transactions made by me. He used my personal info to open these credit card. I spoke with all banks and they will remove all debts. 
Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need to remove from all 3 bureaus. The reason I have been a victim of identity theft fraud. I have no idea of any of  these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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 filed a disputed in regard to the items on my credit report. It has been well over 30 days, and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was looking at my credit report and I found some items that where delete from another third party collection have been sold or transferred to XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX .I have requested legal documentation from all the mentioned companies I never received anything. Please delete them 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 2022-07-26
Company: Experian Information Solutions Inc.
State: MO
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 am submitting this complaint in regards with the Credit Reporting Agencies incompetence and non-compliance with their job and the FCRA regulations. I was frustrated to see that the Credit Bureaus have been doing nothing to correct my Credit Report from erroneous reporting. I have been sending dispute letters to the Credit Bureaus from XX/XX/2022 to XX/XX/2022 requesting that the Credit Bureaus correct the information being reported on my Credit reports and yet they have not responded to my written requests. Is it that hard for the Credit Bureaus to update and correct the information from my Credit file? Every time I take a look at my Credit Report, it is clear that the information being presented are OUTDATED AND INCORRECT which caused misleading of information. For a long time already, the Credit Bureaus have failed to conduct a proper verification of the items and continued reporting! It is just absurd to think about it. The Credit Bureaus were provided by federal law to conduct proper investigation and respond to my letters within the time allotted in which they have failed to do. I am now submitting this complaint to request not the correction nor update but the COMPLETE REMOVAL OF THE DISPUTED ITEMS FROM MY CREDIT FILE : 1. XXXX XXXX XXXX XXXX XXXX, MO XXXX 2. XXXX XXXX XXXX, MO XXXX 3. XXXXXXXX XXXX XXXXXXXX XXXX Balance Owed : {$1200.00} 4. XXXX  XXXX XXXX Balance Owed : {$490.00} 5. XXXX XXXX XXXX Balance Owed : {$10000.00}

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 explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, 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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1100.00} XXXX/XXXX  XXXX Balance : {$1000.00} XXXX XXXX XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$630.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
It appears that my credit has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$1100.00} XXXX/XXXX  XXXX Balance : {$1000.00} XXXX  XXXX  XXXX XXXX Balance : {$570.00} XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX  XXXX Balance : {$630.00} If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2015-12-24
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original creditor company and its debt collection agency improperly reported negative/derogatory information to the Credit Reporting Agencies without first contacting the debtor about the debt to verify the accuracy and existence of the debt. Despite the debtors ' dispute of the debt existence via their attorney, the original creditor company and its debt collection agency made false and fraudulent statements regarding the debt and its dispute to the Credit Reporting Agencies.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX Balance : {$910.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX XXXX Date XX/XX/XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/XXXX ; XXXX  Inquiry Date XX/XX/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 2022-07-26
Company: EQUIFAX, INC.
State: LA
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 forwarded a letter to the Equifax and XXXX Credit Bureaus dated XX/XX/2022 to delete this suspicious information. I think you have not validated this account in agreement with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
problem : all of the above. failure to remove slander ( via fcra part 209 ) failure to update accounts correctly ( actual debt owed in some circumstances misreported by extortionist debt collectors when settlement is active ) failure to respond and remove " debts '' after 30 days has expired, ( XXXX, XXXX especially ) when creditors have not replied in fact to complaints. allowing creditors such as XXXX XXXX to report things when they are in violation of other laws such as the cardholder agreement ( refusal to reissue cards and remove fraudulent transactions ) and consumers right to settle debts with 3rd parties ( some of which are not involved because creditor refuses to use them-XXXX XXXX, XXXX, XXXX/XXXX ). showing outdated debts ( 10 years back ) and refusing to remove them. failure to respond to legal notices sent certified mail to all 3 bureaus. refusing certified mail. failure to acknowledge reciept via certified mail of personal information ( " required '' to update the database ) to unlock files repeated demands to " verify '' consumer according to fraudulent data in files repeated " verification '' sent back to me when there are no changes to the file, or changes are removed. in fact no means of challenging debts were sent back to me as required by law. posting information from unknown sources and not from XXXX co courthouse about illegal eviction when complex remains on fire and landlord from ohio was summoned ( extortion and retailiation, both illegal ). refusal to sync accounts with other bureaus data as per deletions. refusal online or otherwise to allow access and correct files and/or report fraud, yet freezes files wo consumer consent. If consumer wants to freeze files, its a nightmare.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft! I am a real person this is not a credit reporting agency helping me I am a human being conducting this transaction personally there are XXXX accounts reporting in XXXX Trans Union/ and XXXX that are fraudulent! Ive reached out to them directly Several times the past XXXX years! As well as file complaints with the @ CFPB and the Federal Trade Commission Report Number XXXX : XXXX/XXXX/Transunion have not reinvestigated my dispute nor removed/blocked or complied with the CFPb or the FTC. The last explanation that I got for them not investigating my dispute was they said and I quote we didnt Investigate that is because you maybe had a third-party prepare or help 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 non-monetary relief