BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting 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 second 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, KY XXXX ; XXXX XXXX XXXX  XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX  - XXXX XXXX XXXX  Balance : {$800.00} ; XXXX XXXX XXXX XXXX : {$650.00} ; XXXX XXXX XXXX XXXX XXXX Creditor Name : XXXX XXXX XXXX XXXX ) XXXX Balance : {$4500.00} ; XXXX XXXX, I ( Original Creditor Name : XXXX  XXXX XXXX XXXX Balance : {$57.00} ; XXXX XXXX XXXX ( Original Creditor Name : XXXX XXXX ) XXXX  Balance : {$720.00}.

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 2023-05-29
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 want to emphasize that I did not authorize the opening of these accounts, and I am convinced that they are fraudulent in nature. I am requesting your immediate attention to thoroughly investigate these accounts and take necessary action to have them removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: BARCLAYS BANK DELAWARE
State: NY
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 am writing to express my deep disappointment and frustration regarding the failure to receive the XXXX bonus miles that were promised to me as part of a promotional offer from Barclays US credit card. Despite multiple calls to customer service department and assurances from representatives, I have yet to receive the bonus miles that I was eligible for after hitting a {$3000.00} spending threshold within the first three months of card activity. 

I applied to the Miles and More credit card in XX/XX/2023 that is a card that comes with a costly annual fee and with great anticipation, mainly due to the enticing offer of bonus miles, which were a significant factor in my decision to choose the card over other alternatives. As a loyal customer, I have made every effort to comply with the terms and conditions of the promotion, carefully monitoring my spending activity to ensure I reached the required spending threshold within the specified timeframe. 

I reached out to customer service department 3 times since hitting the threshold and 3 months waiting time period to inquire about the status of my bonus miles. The representatives I spoke to all confirmed that I had indeed met the spending threshold and was eligible for the bonus miles. They assured me that the miles would be credited to my account within a reasonable timeframe. Despite this assurance, the bonus miles have not been reflected in my account to this day. 

Since then, I have made several subsequent call However, no action has been taken to rectify the situation, and the promised miles remain conspicuously absent from my account statement.

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 2023-09-28
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 saw these enquiries on my reports that are not permitted by me or verified by me nor does it have my signature for it to be placed on their platform. These include ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Experian, XXXX XXXX XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX XXXX XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - Experian, XXXX XXXX XXXX XX/XX/XXXX XXXX Experian, XXXX XXXX XXXXXX/XX/XXXX - Experian, XXXX - XX/XX/XXXX - XXXX, XXXX - XX/XX/XXXX - XXXX, XXXX XXXX  XX/XX/XXXX -Experian, XXXX XXXX XXXX XXXX - XX/XX/XXXX - Experian, 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 2023-05-29
Company: EQUIFAX, INC.
State: NV
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:
There are XXXX addresses on my report that i have never lived at. And there are XXXX variations of my name that aren't right.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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 20th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX Balance : {$0.00} 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 2023-02-15
Company: Chime Financial Inc
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Chime Bank mailed a check for me using their " Mail a Check '' feature to XXXX for {$4.00} on XX/XX/2023, and the app shows the check was cashed by the recipient. The recipient is stating they never received this payment, and needs a copy of the cashed/cleared check so they can initiate an investigation on their end. I requested a copy of the check from chime on XX/XX/2023. After initially being told in error that a copy of the check could not be provided, I was told one would be requested from the engineering team and would be forwarded to me within a few days. Over the past 2 weeks, I have tried to follow up with Chime more than a dozen times, and I just either get ignored, or I get form responses saying " we are still working on it. '' The biller is charging me fees and extra interest until i can prove to them this payment was made. Chime bank should be able to provide copies of checks sent on behalf of customers within a reasonable amount of time... it is unacceptable to make someone wait weeks for a copy of a cleared check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: EQUIFAX, INC.
State: MN
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:
From XX/XX/XXXX to XX/XX/XXXX my score has dropped XXXX only points due to my credit card builder. And the balance is ONLY {$31.00} and {$62.00} doesnt mean take XXXX points off my score. My score right now is in the low 500s when I know it should be in the high 600s. And I work hard on it and would like all my XXXX points back at least to get me back in the 600s. And then the lady from XXXX XXXX her name was XXXX and she wasnt nice to me. She told me my student loans wont be removed until XX/XX/ 2022 and I find that not fair because its been over 7 years for many of my loans and in 2022 that means I will be waiting more then 10 years for my student loans to go away. I have tried everything from loan forgiveness to credit repair from disputing everything and these credit companies want me to wait more then 10 years. But I wont dispute anymore because that ruins my credit score too. I want a home I want a new car but I have to wait until 2022. I will be XXXX years old in 2022. I dont want to complain but I have to stand up for me and my children. These credit companies keep treating me poorly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
I was erroneously charged lease termination fees for a lease that was rejected in an approved modified chapter XXXX XXXX plan. XXXX and XXXX removed the collection from my account ; however, Equifax refuses to remove the erroneous information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} ; XXXX Balance : {$6200.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This letter is in response to a letter received by Portfolio Recovery Associates on XXXX XXXX, 2023. Apparently, XXXX XXXX has sold this account to them, a XXXX party interloper, and it is my belief this is a fraud. Since there is no signature on the documents they have sent me, who is accountable for this contract I am being offered? If they can state their claim & provide that contract I have with them whereas there is a wet ink signature from the Claimant & someone From the RESPONDENT, I would be happy to settle this alleged account. 
I requested VALIDATION and PROOF OF CLAIM made pursuant to the Fair Debt Collection Practices Act and Fair Credit Billing Act. 
XXXX respectfully requested that their offices provided XXXX with competent evidence as per the Declaration and Proof of Claim that I have any legal obligation to pay them the unsubstantiated alleged debt. 
Also, be informed that, for 3 years, their offices have been reporting non-validated information to the XXXX major XXXX XXXX, XXXX, XXXX and XXXX prior to validation and proof of claim of the alleged debt, which I also believes constitutes fraud under both Federal and California XXXX XXXX. And also has caused me significant financial harm and denial of credit. 
Due to this fact, these negative marks found on Claimant 's credit reports by their company and I retain the right to explore options regarding action against them in accordance with Violation of the Fair Credit Reporting Act as well as Violation of the Fair Debt Collection Practices Act, and United States Code TITLE XXXX, CHAPTER XXXX, Sec. XXXX. 
Portfolio Recovery Associates sent XXXX identical letters in response to previous CFPB complaints, XXXX on or about XX/XX/2023 and XXXX on XX/XX/2023, and not once did they provide Proof of Claim of the alleged debt. Therefore, the debt is considered to be invalid, and any documents that they sent me will be returned to them as refused for cause without dishonor upon proof of claim Their office never produced the required documentation in accordance with FTC guidelines and has taken actions which was and is detrimental to Claimants private commercial affairs and credit reports. These actions are a dishonor.

Portfolio Recover Associates failed to provide VALIDATION and PROOF OF CLAIM.; made a false representation of the character of the referenced alleged debt and, made a false representation of the legal status of the referenced alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
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: Was not notified of investigation status or results

Complaint:
I have written the credit bureaus on several occasions About the accounts on my credit report. They have few refused to do a thorough investigation Which now I believe they have automated the entire process. 

I am asked for proof That the claim has been verified but I have not received a response and it is been 60 days. That counts that appear on my credit report have not been investigated and I simply asked for an investigation according to the FCR a standards. 

By law they have no right to report on my credit report without a legal investigation they must delete these accounts.

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 2023-05-30
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: Account status incorrect

Complaint:
I voluntarily CLOSED my XXXX Bank account more than 6 months ago but my account continues to be reported inaccurately as OPEN. The account has been required to be reported as CLOSED at consumers request. Please report account as Closed otherwise delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

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 2021-06-03
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: Credit inquiries on your report that you don't recognize

Complaint:
Hey Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud account off my report. Attached is my ID and my report I filed for identity theft because these accounts was not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: EQUIFAX, INC.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is a case of mortgage fraud. This was a mortgage refinance that took place on XX/XX/XXXX. The " closing '' did not have a notary present at the location in XXXX, NJ. The person who notarized the paperwork did so at a later time and did NOT ever meet or witness my or my wife 's signatures. One of the forms was notarized and we NEVER saw or signed the form for the NY XXXX. I tried in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and just recently in XX/XX/XXXX to modify the terms of the mortgage. Only this last attempt did I ever receive a letter in writing. Thank you for your consideration.

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 2023-10-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This account that is with XXXX XXXX was a paid to delete account that has not been removed from my consumer reports. 
This account XXXX from XXXX  XXXX that has been paid for already and the company has also reported false late payments for the following account as well. 
The dates of XXXX XXXX are showing 30 date late payments remarks which are illegal and inaccurate due to the fact that the account was closed on XXXX XXXX so how can I be responible for late payments being reported after the account was closed than paid off in full as contract of pay to delete stated. 
Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, Experian and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. 
In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-06-14
Company: U.S. BANCORP
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I reached out to US Bank who is my banker for HELOC for my primary home. Bank officials at XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) assured that I will get HELOC up to 80 % combined LTV based on home price and credit scores. My credit score is XXXX, and debt to income ratio is ~38 %. 

Once I submitted the loan, US Bank underwriting team asked me to prove US Citizenship, if I can not the combined LTV rule will be reduced to 65 %. Seriously? 

Because the Combined LTV has been reduced to 65 % the equity then can lend dropped down to {$15000.00}. Because {$15000.00} is very less amount to lend as per US Bank guidelines, they sent adverse action notice and denied loan. 

US Bank did not order appraisal to find out actual value of home either. US Bank did order my credit report. US Bank determined to discriminate and do not want to serve non-US Citizens it seems. 

I reached out to US Bank this is not fair lending practice, they did not respond or answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: WA
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:
There is a negative collection record on my Equifax credit report. I have paid this off some time ago, but it still is on my report, plus the information on the credit report now for it is almost nonexistent : Account Name XXXX Original Creditor ( None provided )?? 
Open Date XX/XX/XXXX Balance ( None provided )?? 
Debt ( None provided )?? 
Contact Information ( None provided )?? 

The lack of information is causing problems with my credit report for buying a home. I need this removed from my Equifax credit report. I have contacted Equifax several times and they said they unable to remove because of the unavailable information, or they say they will research it and they do nothing. I have contacted them several time from XX/XX/XXXX to XX/XX/XXXX.

Company response to consumer: Closed with explanation