BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: Incomm Holdings Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2023 I purchased a digital download of computer software from XXXX using a Vanilla XXXX  prepaid XXXX  Debit Gift card. the money was taken from the account the same day. I never received the promised confirmation email with the software download link and activation instructions. I called appleinsidershop.com at the number on their website, emailed their customer support and tried to chat with someone via the chat feature on their website. All to no avail. On XX/XX/XXXX I called the XXXX number on the back of my Vanilla XXXX prepaid card and spoke to someone in support. The woman told me she had processed a refund on my account and I would see it on my card on XX/XX/XXXX which is today. I logged in today and the refund was not there. I have spent over XXXX hours today on the phone being transferred from agent to agent at Vanilla XXXX and being lied to about their process, the refund status, and being denied to speak to a XXXX. I finally got someone who claims she was a XXXX. I told her I wanted to file a complaint about this transaction because I paid for it and never received it. I gave her my name, card number, and my phone number. She demanded my date of birth and an address " in case they needed to send me a check or a gift card for the disputed amount. '' I refused and told her I was not giving her any of my personal information. She refused to process my complaint. I was not asked for any personal details when I purchased this card and am not giving these people my XXXX, XXXX, or home address. I don't need or want a paper check, cash, or a replacement gift card. I need the monies refunded back to the card it was purchased on. This card does not expire until the year XXXX! 

There is absolutely no reason these people would EVER need to refund {$33.00} via a paper check, different gift card, or any other means 7 years from now! Their reasoning for trying to get people 's personal information beyond name, email, and phone is absurd. 

I need help getting this company to XXXX. Process a refund. I have emails proving I have contacted this merchant regarding this ; XXXX. Address the fact that this company 's staff routinely lies, misleads, and misinforms people about processing refunds for goods they have not received.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I do n't know why its taking Equifax so long to send me a copy of my new credit report. I requested an investigation on XX/XX/XXXX, and they never responded to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-25
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:
XXXX XXXX XX/XX/1973 Last 4 SS # XXXX XXXX, XXXX, Equifax These ( 3 ) credit Breaus are reporting inaccurate information on my Credit Report I've disputed these accounts several times with no Removal off my Credit Report. 
1.XXXX ( Fraudulent ) 2.XXXX ( Fraudulent ) 3.XXXX  ( Fraudulent ) 4.XXXX  ( error paid ) 5XXXX XXXX  ( Fraudulent ) 6XXXX XXXX XXXX ( Fraudulent ) 7.XXXX  XXXX ( Fraudulent ) 8XXXXXXXX XXXX XXXX XXXX ( Fraudulent ) 9XXXX XXXX XXXX  ( Fraudulent ) 10XXXXXXXX XXXX XXXXXXXX ( Fraudulent ) 11XXXX XXXX XXXX Fraudulent ) 12.XXXX  ( Fraudulent ) 13.XXXX ( Fraudulent )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: CA
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 acct XXXX, XXXX  acct XXXX violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I suffered a {$2000.00} a month loss of social security disabilty income in 2012. I could not pay my first and second mortgage so I applied for a modification. It took XXXX years to finally get a modification. I included my second mortgage ( line of credit with Indy Mac Bank ) on all of the paperwork I submitted. When I finally recieved the modification, I thought it included IndyMac '' s loan. Many months later, I was contacted by a collection agency which says my second mortgage was in charge off status and now I had to pay the collection agency, not IndyMac Bank. 
I called IndyMac Bank to explain what happened seeking to get my loan reinstated so I could resume my payments but they refused to talk to me. 
The collection agency says I must pay them. I can not reinstate my loan and I can not repair my credit until the entire amount is paid in full. Additionally, I am still in jeopardy of the second mortgage pushing me into foreclosure at any given time unless I file bankruptcy which will also destroy my credit even further. 
.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received notice of an alleged debt owed to Fair Credit Outsourcing and sent a XX/XX/XXXX Debt Verification Affidavit which was received XX/XX/XXXX XXXX ; XXXX by representative ( XXXX ) or agent ( XXXX ) of Fair Credit Outsourcing. FCO has failed to Validate the alleged debt and has provided information to the Consumer Reporting Agencies that is inaccurate, invalidated, unverified and is in direct violation of the FCRA XX/XX/XXXXs-2, 15 USC XX/XX/XXXXe ( 8 ), 15 USC XX/XX/XXXXe ( 10 ), Fair Credit Reporting Act ( FCRA ) 15 U.S.C. XX/XX/XXXX ( Public Law 91-508 XXXX, 15 U.S.C. XX/XX/XXXX XXXX Public Law 109-351, 801-02, 120 Stat XX/XX/XXXX ), and numerous other violations of my rights under countless Consumer Protection Laws. Additionally, " FCO '' has NO bona-fide claim in the matter and allegations that I owe an alleged debt to its Agent ( XXXX ) and or Representative ( XXXX ) are frivolous. I have not applied for, neither received any services or credit with " FCO ''. I also have no account and/or contract with " FCO '', nor do I wish to contract with them. FCO has failed to respond to the XX/XX/XXXX Debt Verification Affidavit/ Proof of Claim with authenticating proof of a valid claim/verification. " FCO has purchased evidence of a debt for value and are proceeding with collection activity in the name of the original contracting Secured XXXX. XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX. FCO has failed to provide full disclosure as a lawful due process and has agreed to the terms and conditions of the XX/XX/XXXX Debt Verification Affidavit by Acquiescence. FCO by failing to respond by tacit procuration agreed to all terms within the contract/agreement. Respondent XXXX XXXX ) tacitly agrees that the Unsecured Debt Collector herein as the Respondent XXXX XXXX ) waives all claims against me and with respect to any and all collection attempts involving the above-referenced alleged account, and that said collection attempt was fraudulent from the beginning.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions 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:
Experian credit reporting agency has been reporting inaccurate and misleading information on my report for several months now. In accordance to the Fair Credit Reporting Act 15 USC 1681 ( 3 ) Experian has a vital role in assembling and evaluating consumer credit, with a need to ensure they're exercising their grave responsibilities with fairness, impartiality, and respect for consumers PRIVACY 15 USC 1681 ( 4 ). Experian has not respected my rights, they were unfair, partial, and furnished these accounts without my consent. Pursuant to 15 USC 1681b ( 2 ) the CRA may only furnish in accordance with written instructions of the consumer, in which I did not give authorization nor consent. Remove these inaccurate accounts IMMEDIATELY and DO NOT open a dispute.

This is Aggravated Identity Theft per 18 USC 1028a, you're transferring and utilizing my information with these 3rd party debt collectors without lawful authority or giving the chance to opt out per 15 USC 6802 ( b ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please provide me with the procedures that were taken to gather the most accurate information prior to reporting in accordance with the FCRA XXXX Please REMOVE fraud alert 48 hours AFTER initiation. 

Block the information contained within the Identity Theft report & within this complaint in accordance with 15 USC 1681c-2, contained here is 1. Appropriate proof, my drivers license 2. The Identity Theft report 3. Information that shall be removed by law 4. My statement informing you this I the natural person/consumer have no info relating to transactions. Also in accordance to the IRS defines " Charge Offs '' as income and income should not be reported on a Consumer 's report, there was also no legal claim without validating the alleged debt, therefor no grounds to charge off.

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 2015-09-20
Company: Rocket Mortgage, LLC
State: RI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I performed a re-finance of an existing mortgage with Quicken Loans. Two months after the closing, Quicken sold the mortgage to XXXX XXXX. I do not want XXXX XXXX to be my mortgager. Is there a process that I can go through to stop this transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this item several times. A tax lien was placed on my file in XX/XX/XXXX. It was not supposed to even happen as the filing was inaccurate. I paid the money that the state said I owed to avoid this issue. Despite paying the {$1500.00}, a " lien '' was attached. I immediately, when I found out, addressed this issue. The case is settled, closed and moot. Experian and XXXX XXXX have corrected the issue. Equifax did not. I was denied a student load because of this and disputed the information again in XX/XX/XXXX/XX/XX/XXXX so that I could obtain federal student loans. I assumed it was taken care of as I got the loan. I applied for a XXXX XXXX and found this on my file still. I called the pronothary 's office and they CONFIRMED that they do not send information to the credit reporting agencies. I spoke with several agents at Equifax who provided me with canned responses. XXXX said that the dispute had been verified by the pronothary 's office and I advised her that this is simply not true. She then revealed that a third party trolls for the information. I advised them that the information that they placed on my file is in accurate and has caused a ton of hardship. Same response - nothing. I am caught between a rock and a hard place and XXXX office tells me that it is a credit bureau issue and the credit bureau tells me that they are reporting accurate information. I have documentation that the lien is settled and in error and this has been sent several times to Equifax for correction to no avail. I have been given incorrect, inaccurate and downright false informatoin by Equifax employees and I would like this investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have disputed a medical collection appearing on equifax report since XXXX 2016. The issue is this account was paid in full to original creditor which is XXXX Louisiana XXXX hospital. Equifax is not properly investigating my complaint and is returning to me the same result of " Collection Account Paid in Full. '' This is unacceptable. The collection agency is dishonest and equifax is not doing due diligence on behalf of consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I sent a inquiry dispute letter to equifax stating that certain inquiries on my credit reports was not authorized by me and I asked to see verifiable proof with a document bearing my signature. They sent me a letter saying that it was verified but no proof which anyone can say that it have been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX a federally protected consumer, and I am making this complaint against United Revenue Corp for committing identity theft. I have never given United Revenue Corp any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).

I have never received any documentation requesting validation from United Revenue Corp before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If United Revenue Corp can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until United Revenue Corp can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and United Revenue Corp continues its collection efforts, I will file for litigation for actual damages caused and United Revenue Corp will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I had a CD with CIT bank that matured on XX/XX/XXXX. I received a letter from CIT on XX/XX/XXXX that they had forgotten to send me a renewal notice for this CD when it matured, so it automatically renewed at the same interest rate of 1.153 %. At that time, CIT bank 's interest rate for a 1 year CD was much higher than 1.153 %. I called CIT today, and asked them to retroactively apply the then current interest rate. They refused. Why will a customer lose interest money over a bank forgetting to communicate to customers when CDs mature? 
I have a couple more issues against CIT bank : 1. They have this concept of ramp-up CDs, where they do not automatically renew the interest rate, when interest rate goes up. Only when customers call in, will they raise the interest rate. How will customers know when the interest rates go up in a specific bank? 
2. Also, customer service does not seem to very helpful and polite in responding to questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
It show XXXX collection on my report twice. balance on each account is XXXX. Reported on XX/XX/2013 is the same on each collection the only thing is different is pinnacle gave XXXX different account numbers to equifax but the amount due and date reported is the same. The duplicate just showed up about a little over a month but equifax will not look at it as a duplicate because the collection cimoany gave it a new account number. The original debt was to XXXX for XXXX All equifax did was revering that I owed XXXX which I did not dispute. I disputed that is was on my credit report twice just under XXXX different. Account numbers under XXXX for the exact same amount, exact reporting date just different account numbers. The last one was just added over a month ago

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX XXXX, XXXX - Address : XXXX XXXX XXXX XXXX, MI XXXX was sent by XXXX XXXX to collect a measly debt from me which was really unauthorized in the XXXX. I agreed to their offer to pay {$34.00} and then they went and put it on my credit report costing me an extra quarter point on my home mortgage. They offered the settlement. I would never have agreed had I known they would do this. At this point I 'd be willing to pay the bill in full if they will remove the negative report. My other option is to go to small claims court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-08-18
Company: SN SERVICING CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my mortgage loan was sold to a company SN servicing corporation. Since my loan was sold, I have not received any communication vis mail or email regarding billing statements or my loan terms. I have submitted several requests for a copy of my billing statement so I can begin to make mortgage payments. requests were submitted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX with no response from lender. There is no indication of any loan terms on the company website.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This account was opened in 2013. It was paid and closed. It recently showed up on my credit reports. After all these years as closed and a bad debt charge off. Not true. Plus its been over 7 years and needs to be removed completely from my reports. Ive asked for investigations and XXXX  removed it from my report. The others did not. Please review and remove this completely from all credit bureaus.

Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation