BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I have been a customer of XXXX XXXX for over 2 years, never had any 30/60/90 day lates and even pay above the monthly bill to them on time each month. In XX/XX/XXXX I  went out of the country and my credit cards and personal information was lost. During the time of losing my information my bill was due to XXXX XXXX but I had no way of paying it bc the bank account that pays that bill was closed and I had to wait until I returned to open a new one. I went online today to pay my bill and saw that they reduced my limit from {$7000.00} to {$2100.00}, which hurt my credit score tremendously. There was no communication whatsoever. This is a horrible way to treat a customer that is loyal and pays on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: FIRST AMERICAN FINANCIAL CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Hello I just wanted to have this complaint captured so that everyone is aware of how unprofessional first American title was! I had a horrid experience with an agent by the name of XXXX XXXX, she works specifically with escrow at this company. She works at the XXXX XXXX XXXX and has got to be removed from being near a phone by all means! She shouldnt be allowed to be interfacing with potential clients or existing ones. She made a significant amount of XXXX XXXX while forgetting to place herself on mute and have a colleague of hers partake in this conversation. As a person of XXXX  ethnicity it made me sick to my stomach that this company has not only failed to be diligent in acknowledging my concerns but responding that my concern has been heard and action is going to take place! I have sent numerous emails asking for someone in management to get back to me and my messages go unheard. Im doing this in hopes that someone will hear me. Someone will give me a proper response. Do not bring your business here!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Im submitting this complaint against XXXX  Equifax, and XXXX  due to their total disregard for my consumer rights under the FCRA/FCBA/FDCPA. For several months now, I've been disputing inaccurate and unverifiable information showing up on my credit report by this company. I have requested intimate information about the alleged accounts, including a copy of an agreement with my signature on it, but I have yet to receive anything. These companies continue to electronically verify these " ghost '' accounts without providing any legally binding evidence, such as a signed contract and complete accounting of the record, as required by law. They're clearly lying and thus the reason Im asking for proof. However, these companies refuse to provide it, which is not right and is not compliant with the FCRA/FDCPA. Im absolutely fed up. My life has been in complete ruin as a result of this. It's causing enormous XXXX  and financial XXXX preventing me from getting approved from credit that I am rightfully entitled to, and not to mention the ample amount of time that I must take out to try and resolve this matter myself. This has brought a great deal of harm to my family as a whole as well. Ive just had enough! Please help! I hope to hear from you soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting inaccurate information on my consumer report. There are several nonmailable addresses on my consumer report. My name is also misspelled. I have asked Experian to update my consumer report and they have failed to do so. 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Code XXXX - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified information listed below still remains on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified personal pieces of information. PLEASE REMOVE THE FOLLOWING INCORRECT PERSONAL PIECES OF INFORMATION COMPLETELY FROM MY CREDIT REPORT. 
Incorrect Names : XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX Employer : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : 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 non-monetary relief
Consumer complaint received 2023-09-28
Company: Experian Information Solutions Inc.
State: RI
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:
XXXX XXXX - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I want incorrect information to be deleted that does not belong to me.

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 2021-12-29
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I, a natural person was issued a false debt that was placed on my credit report. I contested this false accusation with JPMorgan Chase and they sent documents which I have uploaded alongside this complaint with false validations of said debt. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT. Enclosed I have attached a detailed letter of my ongoing experience with this event.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: HW Holding, Inc
State: SC
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 noticed this debt on my credit report. I informed the company they are reporting inaccurate information such as my name. They responded with a copy of a signed lease. The name on the lease does not match the name they are reporting on my credit report. I reached out for debt validation on XX/XX/2019. I also reached out the XXXX and advised that there is an incorrect name on my credit report. I was told by XXXX   that Hunter Warfield would have to correct because it was linked to an account. I never received a summary of the charges and where this amount accumulated from. I also requested a copy of the application to be sent to me with the name matching that is being reported on my credit report. Being that they are reporting inaccurate information such as my name, and have failed to provide proof of the debt, other than a lease, i am asking to have this removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Navy federal credit Union logged on my account on XX/XX/XXXX and transferred {$1000.00} Dallors to a credit card that I gave them XXXX Dallors to start already. They wont let me file a claim I did not authorize this i did not give them permission to log on my account from a XXXX web browser.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-23
Company: ORG GC GP Buyer, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt in question has been resolved with the help of CFPB under complaint number : XXXX. 

On XX/XX/18 at approximately XXXX I, XXXX XXXX spoke with XXXX XXXX GC Services Limited Partnership with regard to client account number : XXXX and was informed that the debt was still owed. I tried to explain to XXXX that the debt has been resolved and I have communication stating that fact. XXXX refused to listen and say I owed the full amount in question. 

This is not true as you can see under my original complaint number : XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15
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:
Hi on XX/XX/XXXX I got my credit report and I was look and checking on my report and noticed that there was some unauthorized collections and accounts and inquiries on my account that I didnt not due I sent letters to all three credit bureaus that they was unauthorized and I dont no what the credit report agency are doing I sent letters to XXXX XXXX and Experian and they have not remove them from my credit report account Im very hurt about this It not fairs to me so can you please please check this out and help me I demand this unauthorized accounts be removed and inquiries off my credit report Im not liable for this debt with these companies from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX child support enforcement

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 2023-06-07
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
am contacting you to request the removal of the accounts and information specified below from my consumer report. It is imperative that these accounts and information are not reported on my consumer report, as this would constitute a direct violation of the FDCPA and FCRA. I kindly request that you promptly delete and remove these accounts and information from my consumer report, as their presence is in clear violation of multiple laws. Please take immediate action to remove these accounts and information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29
Company: DISCOVER BANK
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is the sixth time that I am filing a complaint about the same issue. I have also filed a complaint to the Office of Comptroller of the Currency as a result of the noncompliance and the abuse done to me as the consumer. Discover is willfully and negligently not complying pursuant to 15 U.S. Code 1681n and 15 U.S. Code 1681o. My account has been closed under false pretenses. I began to dispute an unlawful inquiry made by Discover. Discover was the one who committed fraud and identity theft when pulling my social security and using my open end credit plan to open my credit card account. Near two years later, I found this violation of identity theft and fraud. My identity was stolen and then a finance charge was made to do the paperwork for opening my credit card equal to the amount of credit that was extended. I already requested paperwork to show the original creditor of the transaction, which is me. My credit gives Discover 's corporation life. The request for this information was covered up with documents that had nothing to do with my request. Discover knows that they are in the wrong here, and I as a natural person and consumer am protected by Congress and the laws under the Consumer Protection. In addition to this violation, Discover is wrongly attempting to collect the remaining balance on the account that was closed. Pursuant to 15 U.S. Code 1692, Discover is misrepresenting me as the consumer and using abusive debt collection practices to collect the remaining balance on my account. Pursuant to Civil Liability sections 15 U.S. Code 1640, 15 U.S. Code 1611, and 15 U.S. Code 1692k, Discover is liable to compensate me with monetary remedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Back in XX/XX/XXXX I was going to apply for a vehicle and I looked at my credit report. there were many items on there that doesn't belong to me including addresses. 
I wrote to XXXX, Transunion and XXXX. I made them aware of the fraud and inaccurate accounts. I haven't received a response as of yet this is a critical situation. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), 15 U.S. Code 1681c2 - Block of information resulting from identity theft 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. 
I HAVE ATTACHED MY FTC REPORT # XXXX WITH FOLLOWING INFORMATION The following personal information is incorrect. previous addresses- XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX NY XXXX, XXXX XXXX NY XXXX THE FOLLOWING INQUIRIES IS FRAUDULENT - XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX THE FOLLOWING ACCOUNTS ARE FRAUDULENT XXXX XXXX XXXX - ACCT XXXX XXXX *XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  -ACCT # XXXX *XXXX XXXX ACCT # XXXX PLEASE ADVISE IM ATTACHING MY STATE ID WITH MY SSN CARD AND PROOF OF ADDRESS, MY LETTERS TO THE AGENCIES WITH THE FTC REPORT AND I WILL ALSO MAIL ALL OF THEY ABOVE PRIORITY TOMORROW ... .SO THEY CANT SAY THEY DONT HAVE IT OR CANT IDENTIFY ME 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 non-monetary relief
Consumer complaint received 2023-05-08
Company: EQUIFAX, INC.
State: TX
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 am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-22
Company: PlusFour, Inc
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
A debt collector PlusFour, Inc. sent me a collection letter for a medical debt dating approximately back in XX/XX/2019. I responded by writing a letter to them and copy furnished our insurance company at the time for abatement of charges due to the fact that, at the time of my doctor 's visit, I was not aware that the medical facility was no longer in network. When I called the insurance company, I was informed that the charges are my co-pay and that these charges should be paid. I argued that if I had known that the doctors and facility are no longer in network, I would not have gone to the doctor and would not have incurred these charges. 

Without notifying me, the debt collector sent the amount owed of {$370.00} plus collection charges of {$200.00} for a total of {$570.00} to the credit bureaus. Prior to this, I requested my debt management company, XXXX. XXXX to call them on my behalf so that I can add this amount to my debt management and pay if off even tho I am disputing it. XXXX informed me that they will not talk to them and that I should call. I did call and the lady that answered me was rude and uncooperative. 

My husband also received a collection letter in the amount of {$270.00} plus collection charges of {$140.00} for a total of {$420.00}. 

I am trying to payoff all our debts in the hope that our credit score and debt to income ratio will improve over time so that I am able to refinance our house in the future. I would like to ask for your agency 's help on how to resolve this problem. I can't afford additional debts and I can't afford to have a derogatory remark on my credit report. 

I am willing to pay these debts with an amount that's manageable right now and for the collection agency to remove the derogatory remark on my credit report. But, like I said, I am also trying to dispute this debt because we would not have gone to see the doctor if we were notified that they are no longer in network. 

I have documents that I can provide should you need them. 

Thank you very much for your anticipated help with this matter. 

Sincerely, 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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-08-22
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AMERICAN EXPRESS Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX I do not recognize these companies nor did I apply, I am guessing someone who stole my wallet at that time had my identity and applied for all these things. This is incorrect Credit reporting on my end, and I am suffering loss due to these hard inquiries I have not applied for The Fair Credit Billing Act ( FCBA ) is a 1974 amendment to the Truth in Lending Act that puts in place consumer protections against inaccurate or fraudulent credit card charges and other billing errors.

If unheard please refer toSection 623 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Per 15 U.S.C. 1681G I have noticed incorrect information being reported on my credit report and account that have no contracts on my account that needs immediate deletion

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