BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: Incomm Holdings Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am writing to file a complaint against Incomm Financial Services , Inc. regarding a visa gift card that I purchased at XXXX on XX/XX/XXXX. The security code on the card was not visible, so I called the number on the back of my card to request a replacement card. A case was opened, but I later discovered that the security code was not needed for my rent payment, so I requested to close the case. However, InComm Payments informed me that the case can not be closed and requested that I send them my driving license, purchase receipt, and pictures of the gift card via email. 

I sent all the required information to Incomm Financial Services , Inc. on XX/XX/XXXX at XXXX XXXX, and it has now been 3 weeks but I still haven't heard from them. Every time I called them, I was forced to wait for a long time on the line only to receive dismissive responses. 

In addition, Incomm Financial Services , Inc. froze my gift card for " security concerns '' but by requiring me to send them my ID and gift card by email, they have actually put my identity and my gift card at even greater risk. They have also continuously failed to provide a resolution in a timely manner. 

Therefore, I am requesting that Incomm Financial Services , Inc. immediately unfreeze my gift card or issue me a replacement card. I believe that Incomm Financial Services , Inc. has not handled my case properly, and their lack of communication and resolution is causing me significant inconvenience and distress. 

Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Self Financial Inc.
State: WI
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:
In accordance with the Fair Credit Reporting act XXXX  is violating my rights! 

ACCOUNT # XXXX ACCOUNT # XXXX Attached is factual proof, Self Company CLOSED this account MONTHS AGO and is still reporting the account as an OPEN account. 
Again, with the Fair Credit Reporting Act, legally these unverified & unauthorized items MUST be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-18
Company: EQUIFAX, 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:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX Date Opened : XX/XX/18 Balance : : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: EQUIFAX, INC.
State: FL
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:
The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXXXXXX 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports. XXXX XXXX  ( Original creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date opened : XX/XX/XXXX Balance : {$210.00} and XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance : {$630.00}. Please delete. Also, this account was violating Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and delete it immediately in my report : XXXX XXXX Date opened : XX/XX/XXXX Balance : {$0.00}. Please remove.

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 2016-06-25
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The HAMP modification that I had done in 2010 is now matured to 4 % and will be 5 % soon, then to 5 1/2 %. Is it allowed for a HAMP mod to go over the market interest rate?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: 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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation.The following items are lsited below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-18
Company: Experian Information Solutions Inc.
State: FL
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:
The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. 
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 XXXXXX/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 2023-07-17
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector JEFFERSON CAPITAL SYSTEM has added false collection on my credit report in the amount of {$1800.00} and I am not aware of it. Ive tried to dispute the collection and results came back threatening to take legal actions with FALSE information they have. Along with it being reported, it added a residential address I never lived in or have any knowledge or connections to that address. The address fraudulently reported on my credit report attached to his collection agency is XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-16
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My money and accounts are frozen in my savings account Im supposed to have {$15000.00} showing XXXX this is not fair their stealing my my hard earned money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am victim dentity theft. I was notified of my name in the XXXX XXXX XXXX and XXXX data breaches. I filed a claim with XXXX and waiting on XXXX for their litigations to start. 
I have sent in letters, called and went online to dispute and say these accounts are not mine. 
XXXX XXXX fraudulant and was connected to a fraudulant address, was deleted of my account, then it reappeared again. 
Now I have to send in another AFFIDAVIT due to the credit bureaus incompetence and incomplete info. 
According to FRCA I have right to fair and accurate reporting on report. 
U.S.C 1681 ( a ) ( b ) ( C ) ( i ) my rights have been viloated and I would like this inaccurate accounts and not mine off my report. 
XXXXXXXX XXXX XXXX {$10000.00XXXX XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX XXXX {$120.00}

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
Consumer complaint received 2022-12-09
Company: Experian Information Solutions 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:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$11000.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions Inc.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
While reviewing my credit file, I notated that Experian was reporting a bankruptcy on my credit report. I quickly notated down all the account information and requested verification of how they acquired such information as factual. They verified in a letter stating they received such information from a Public Record Vendor. I requested in writing who such vendor was. They first responded through the courts. In response i wrote the Bankruptcy court they claimed to have for the information from. The court responded that they do not communicate with the company ( was sent on letter, please see attached ). I then sent that to Experian and they now claimed they received the information through a third party vendor called XXXX. I then reached out to XXXX and they investigated it and found it not factual and removed it from their record and also sent a letter to Experian multiple times saying it is removed and to remove it ( please see attached ). I also took it upon myself to contact PACER, another third party vendor and they also verified they do not provide any information to Experian. Im filing this complaint and requesting assistance with deletion due to the fact that as soon as Ive been able to show that the agency they are claiming to use, can not verify, they quickly change their story and refuse to provide hard copy proof of their reports. Ive attached some information and files for review. I appreciate your assistance in this important information. Information blacked out is all my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-17
Company: ENCORE CAPITAL GROUP 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: Account status incorrect

Complaint:
I spoke with the representative we made an agreement that I would pay half of what I owed of XXXX, I agreed to pay XXXX, I paid XXXX date XX/XX/2023 you will see the screenshot of my bank account. I paid it right at that moment so I can be done with this, the transaction was completed and the representative told me that we are okay and that the account it settled and that it would resolve my account but I see a balance still owed of XXXX I called but they keep telling me they dont have access to my account We agreed that I would pay half and that the accounts would be settled. I have screenshots of your agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Unauthorized hard credit inquiries on my transunion report that I absolutely did not give any company or anyone to get access. This is Fraudulent at least. 

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 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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : 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 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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: FISERV INC.
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I was issued a new debit card due to fraudulent activity on my account. I paid {$25.00} for the card. XX/XX/XXXX I tried to activate my card and was told my account was closed. The person told me to get a new account with a packet from employer. Told him I didnt work for that employer & wouldnt be able to do that. He then took my credit union info and told me all of my money {$4000.00} would be transferred in 24-48 business days. Called back on XX/XX/XXXX when funds were not received- to go through the same conversation with a lady. She then input my credit union checking info again and again was told 24-48 business hours. Called back XXXX when funds werent deposited. Was told they could only issue me a check via usps to my home address. Was not happy, but said ok. This lady said 7-10 days I will receive my full refundXXXX XXXX I called to check status of my check when I havent received one. Was told there was no check to me, but could process one and it would take 4-5 weeks to receive. I asked to speak to a supervisor was put on hold for XXXX hour and XXXX minutes and hung up on. Tried calling back and the whole customer service was closed. Called XX/XX/XXXX to resolve issues had to call 6 times, waited on hold upwards of XXXX mins, sent to multiple different people, hung up on XXXX times, and have no idea where my money is. I wanted to speak to someone who could actually make sense of this and give me the money Ive been requesting since 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 2022-12-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
the credit card company closed my account on XX/XX/2022 without any reason. that time my account balance was XXXX dollars. they closed my account and sent it to collection without giving me a chance to pay XXXX dollars. I try to pay them but they refuse to take the money or send me a bill. then I send them the payment within a month period anyway to clear the account of any balance. 

Now my problem is that they reported my account as ( collection and charge off ) on my credit report. which is hurting my credit. I want them to change it to ( paid as full. ) with no delinquency and report it to Credit reporting agencies.

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 2023-02-21
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX  Account Name : XXXX Account NumberXXXX Account Name : XXXX Account Number:XXXX Account Name XXXX XXXX XXXXXXXX Account XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-04-07
Company: Experian Information Solutions Inc.
State: FL
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:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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

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