BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-23
Company: USCB, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, This complaint is against USCB AMERICA, a collection agency located at XXXX XXXX, CA. They have repeatedly violated my rights per the Fair Debt Collection Practices Act and I'm just over my head with this company. I can't take any more of the stress from fooling with this company and them reporting inaccurate and unverifiable derogatory information about me to the Credit Reporting Agencies. 
First of all, they have refused to validate the debts they claim I owe their company Per the FDCPA. Well I dont owe their company ANYTHING and thats why they cant validate these debts. 

Secondly, even after debt validation had been requested from them, they have electronically verified this debt to the Credit Reporting Agencies, without having validated the dispute with me first, and have since continued to report these accounts to the bureaus. This is a direct violation of the FDCPA and is 100 % unacceptable. 

Furthermore, Im aware of the many other complaints against this company for their illegal and unethical collection activity. So this really must be addressed and resolved. My next step is to bring media attention to this issue and also to take this matter to court if I have to. 

I'm requesting that this company is disciplined accordingly for their willful and blatant disregard for the law and also that they remove any and all record regarding my name from their database. I would like to prevent other consumers from having to deal with such a heartless and non-compliant company. And in the meantime, would you please also force this company to delete any inaccurate and defaming accounts they are posting about me with the three major credit bureaus since they have failed to validate these accounts. This is causing serious harm not only to my ability to establish credit and good interest rates, but also to my character as a Professional. 
I have complete records of all correspondences, certified receipts, etc. with this company. If you would like to review this documentation, please let me know. In the meantime, I thank you, in advance, for your immediate attention and response to this matter. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
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: Account status incorrect

Complaint:
I had a credit card from XXXX XXXX  that had a XXXX balance and was never in default. I had a bankruptcy that went through in XX/XX/2021 which included tax debt but the XXXX credit was not included in the filing. XXXX has since submitted to the reporting agency that the balance was written off by the bankruptcy which is 100 % untrue there was no balance on the account. I have contacted XXXX on several occasions and they have said they would not correct there mistake in reporting and suggested i contact an attorney. How can a debt be charged off in a bankruptcy if the balance on an the account was XXXX? 

This was corrected with XXXX but still remains on Transunion

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom It May Concern : I am writing to inform you that these hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within your consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 
Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years , or both.

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties.

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 2022-04-23
Company: Apelles, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I am aware of the debt and in the process of arranging payments The debt collector is calling places of employment and I have co workers now entitled to information that is not any of their business please ask the debt collector to only call my cell XXXX or home phoneXXXX, if I don't answer leave a message or mail me a bill. 

my employer does not allow employees to accept personal phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have been a Chase XXXX Visa cardholder for 20 years. I have submitted multiple requests for XXXX gift cards containing my rewards points accrued and have not received them, even after requesting they be sent via overnight delivery. I have made multiple calls to the Chase customer service department over the past 2 months and none of the representatives or supervisors have been able to correct this issue. I am leaving for vacation to XXXX in 2 days and am unable to purchase water park tickets and reserve a cabana using my points. I would have to pay out of pocket if I still want to take my kids to the water park. I am profoundly disappointed that Chase is unwilling to correct this situation and have spent hours on the phone with them only to be transferred from person to person without resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-22
Company: BANK OF THE WEST
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Overall, I felt like there was little transparency throughout the process and I was not armed with information to ask the right questions or remedy issues. It turns out I had a conforming loan that got put in a jumbo pool which was the crux of the issue with underwriters as it related to the appraisal which was ultimately why they declined to honor my rate lock of XXXX and fund my loan. The condominium purchase price was {$500000.00} and The funds I wired to title was {$320000.00}. I completed all the requests for information and fulfilled all the financial obligations- wired the money directly to the title company and deposited funds into an account I was required to open and fund at Bank of the West. The other issue was the lender was not responsive to me or my real estate agent and we were given conflicting information on various topics - time was of the essence to meet the closing date. The appraisal that I paid for came back with structural issues that were captured by an unqualified person who never accessed the building where the foundation could be properly assessed. I paid for an additional appraiser to help the underwriter get comfort around the structural soundness and to work with the bank appraiser to append their report. My loan ultimately went to an executive committee to get a waiver but they decided not to proceed. I have no proof, but I sincerely believe they were looking for any excuse not to fund because of my rate lock. They knew my deadline on this property and it passed without resolution. I also believe they never intended to fund and strung me along to lead me to a higher cost option on a different property. 

Dates : Counter Offer for purchase price signed XXXX XXXXXXXX XXXX signed XXXX Original closing date XXXX Amended date : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: FL
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
According to section 604 ( a ) ( 3 ) of the FCRA which states a company using a disclaimer as reason to place non public information without my written instructions on my consumer report is against federal law and violates my privacy. In addition, the reporting of this account also violates 15 USC 1681i as this account is being furnished both inaccurate and incomplete. TRANSUNION has violated my consumer rights by reporting personal nonpublic information that belongs to me.I DID NOT give TRANSUNION written instructions at any time to report. The following XXXX XXXX accounts are being reported on my consumer report without my written consent. The CFPB STRICKLY prohibits this behavior in accordance with federal law. Please see the attached invoice and affidavits for the following violations.

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 2022-08-19
Company: Experian Information Solutions Inc.
State: FL
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:
I have a hard inquiry from XXXX on XX/XX/2022 that I did not authorize. I would like to dispute this hard inquiry.

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 2022-06-22
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: Investigation took more than 30 days

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 



XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX, AZ XXXX EMPLOYER : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXX XXXX XXXX Equifax ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX EMPLOYER : XXXX XXXX XXXX Inquiries XXXX XXXX XX/XX/XXXX Collections : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
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: Problem with personal statement of dispute

Complaint:
All legal actions will be taking if XXXX fails to comply. With prejudice!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Problem with personal statement of dispute

Complaint:
All legal actions will be taking if XXXX fails to comply. With prejudice!!

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 2022-06-22
Company: Incomm Holdings Inc.
State: VA
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 purchased several prepaid cards from XXXX, two of them were never activated. XXXX activated one, but the other still does not work despite several calls and emails. XXXX finally referred me to Vanilla visa who asked me to send them my license, receipt and copy of the front and back of the card on XX/XX/22. They advised me at that time to wait XXXX hours. I have called several time after waiting XXXX hours and now they say wait another XXXX hours. At this point this is theft, all I want is my money back or a new card, a simple request. Today when I called for the 10th time I am told to wait for XXXX hours because they are waiting on XXXX response. XXXX hours is the response given to me on each call and it has been almost a month with no resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
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 submitting this complaint on my own behalf with no third party involved. I am requesting that the charges to my account be removed and that any finance and other charges related to the fraudulent amount be credited, with an accurate statement. I am demanding that these fraudulent claims of an alleged debt and negative marks of late payments on my credit be removed from my credit report entirely. This is Identity Theft and is completely against my rights as a federally protected consumer under Title 15 Chapter 41.

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 2022-06-22
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I received a detailed credit report with inaccurate information reported on my consumer credit report address XXXX XXXX XXXX Tx XXXX XX/XX/2021 on Experian. XXXX XXXX XXXX Tx XXXX on XXXX and XXXX inaccurate. Date of Birth on Experian is inaccurate. My previous addresses ( XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2021 ) ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ) are inaccurate. Employer/Current employer XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX inaccurate. Also Known As reported as XXXX XXXX Inaccurate on XXXX. 
The companies XXXX XXXX and Experian have violated my rights in accordance with FCRA U.S.C 1681 section 604 A section 2 states that a consumer reporting agency can not furnish and account or my personal information without my written or verbal instruction. As well as under, 15 USC 1681 SEC ( 623 ), 15 USC 1681 SEC 611 ( a ) my rights have been violated as such under 15 USC 1681n ( a ) ( 1 ).

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 2022-11-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Store : Kohl 's Gift card source : XXXX XXXX ( XXXX provided health program ) Transaction ID XXXX XXXX Amount : {$100.00} USD Details : I received this card as a gift for completing some XXXX XXXX  This was sent to me via email to my work email. I never accessed the electronic gift card until XX/XX/22. I was close to checking out but realized the sales are two days away. Today I am unable to access the whole {$100.00}. Upon contacting Kohls Customer Support ( XXXX ), they shared that his was used in XXXX, XXXX and that they would open a case to have this investigated. This raised a red flag for me but I do not believe Kohl 's is concerned or going to make this right.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-27
Company: EQUIFAX, INC.
State: UT
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:
Equifax is incorrectly reporting this closed credit card info. They show a payment history and updated information where there is none. The card has been closed for years with no activity at all! They show no information that's accurate. So for their error they decided to update the account to their specifications avoiding the legal ramifications associated with falsely placing information on credit reports per the FCRA! None of the info they show is accurate and the dispute is a mute point!! They never corrected information even after I demanded they do so!!! I'm including XXXX XXXX  in this complaint to correct the information since Equifax can't seem to figure out anything or how to do anything right. My dispute is with Equifax for always reporting inaccurate information on my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-27
Company: Amsher Collection Services, Inc.
State: CO
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:
Amsher Collection Services reported a wrongful account to collections on behalf of XXXX XXXX. They reported I had not returned a piece of equipment. I did, however, return all 5 pieces of equipment on XX/XX/XXXX and have the receipt to prove it. I filed a dispute with both Amsher and XXXX on XX/XX/XXXX and uploaded the receipt showing proof of return with all serial numbers noted. I received an email from XXXX on XX/XX/XXXX informing me that my dispute was closed and the collection deleted from my report. The dispute report number is XXXX. 
Today, XX/XX/XXXX, I received another call from Amsher attempting to collect the debt. I informed them of all that had transpired. They informed me that the dispute I filed with their company came back unresolved and that Im still responsible for the equipment. When asked how the receipt doesnt prove return I was told that XXXX XXXX is saying the equipment never made it to their warehouse. As unfortunate as that is, its not my fault where the equipment did or did not make it after it was properly returned. Amsher has informed me that can not remove the collection and I need to speak to XXXX referencing my account XXXX. 

I kindly request that this injustice be corrected. I returned all equipment and am being wrongfully reported due to someone elses poor job performance within XXXX XXXX. Ive provided proof and request an immediate correction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: GOLDMAN SACHS BANK USA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
For a year now, I have not had transactions consistently post on my credit card account and can't view or track purchases in real time. I have reached out to Apple Card 's support regarding this, with each attempt eventually ending in them quietly ceasing followup to the issue. This response is unacceptable, as being unable to view some transactions in real time both makes it difficult to track spending and also to identify a potentially fraudulent transaction. 

I previously opened complaint ID XXXX regarding this issue after losing count of the attempts to get Apple Card to take this seriously, only for them to call once or twice and then request that the complaint be closed with a promise to follow up with me to resolve the issue. It was inappropriate to close the request because the issue was not resolved, and Apple Card support has made no attempt to reach out and resolve the issue since closing it.

Company response to consumer: Closed with explanation