BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-07
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
1. XX/XX/2018, I chose not to renew my Hazard insurance carrier to be effective XX/XX/XXXX, on the date of the policy expiration, 2. I purchased a new carrier on XX/XX/2018, which notified the Mortgage company Quicken Loans on XX/XX/XXXX, so that there would be no lapse in coverage. 
3. On XX/XX/XXXX, the old carrier notified Quicken that my insurance had expired and that I was no longer covered 4. XX/XX/XXXX, I received a letter from Quicken datre, XX/XX/XXXX, stating that there was no coverage on the property and they would set up lender-forced insurance coverage ( single interest ) insurance. 
5. After several calls to my agent and my new Carrier, it was proven that Quicken was notified by the New Carrier on XX/XX/XXXX that coverage was in place and that Quicken was appropriately listed on the policy as the lender, 6. XX/XX/XXXX, I asked Quicken to remove the letter from my file. They refused. I sent an email making the same request, and again they refused to remove the negative letter to induce lender-forced insurance ( single interest insurance ) 7. I sent an email to Quicken and asked them to place all my email request along with the " negative letter ' ) document to show that indeed there was insurance and that they acted hastily and without review before sending the notice to induce single-interest insurance on my account. 
8. Quicken has agreed that it will send a " notice of correction '' to indicate that there is " Proof of Coverage '' as a follow-up to the Lender-forced Hazard Insurance letter, but will not remove either letters from my file. 

Resoultion : Because I consider the notice for Lender-forced Hazard insurance partially meets the requirements as " Letter of Error '' ( not as a violation of foreclosure act, but it was a early and unneeded initiation of a letter that should not be in my files, regardless of its limited impact ( such as future forced escrow accounts, or denial of coverage for failure to pay insurance, etc ) and should be removed from my files in its entirety, even though no purchased of the Lender-forced insurance policy was initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-27
Company: EQUIFAX, INC.
State: MO
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:
There are two items reporting on my credit that I need to be removed. In the month of XXXX, Account XXXX XXXX XXXX agreed to remove the XXXX XXXX and XXXX XXXX XXXX from all three credit bureaus. They have been removed from XXXX, but they have yet to be removed from Equifax and XXXX  and I need these items to be removed from all three credit bureaus in compliance with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the American Express Hilton Honors credit card on the public welcome offer of getting {$100.00} credit plus XXXX bonus points after spending {$1000.00}. Two weeks after the approval, I did not receive the card. I called American Express for a replacement card. The Representative refused to send a replacement card. He assured me that the original card was on the way. Another two weeks had passed, and I still did not receive the card. I called American Express again, and this time the Representative agreed to send a new card and stated that I had 90 days from receiving the new card to fulfill the requirements to get the bonus. One whole month was wasted. I fulfilled the requirements by spending over {$2000.00} ( only spending {$1000.00} is required ) within the time frame, but did not receive the bonus points. I called American Express on XX/XX/2021, a female Representative assured me that the XXXX points will be issued within 8 weeks. She stated that XX/XX/2021 was the last day to receive the bonus points. I patiently waited another 8 weeks, and no bonus points showed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-24
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Disputed XXXX accounts on my credit report on XX/XX/2023 and did not receive information regarding the investigation the accounts were marked as verified and updated on XX/XX/2023 with no validations or accuracy to 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 explanation
Consumer complaint received 2021-07-27
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX  and XXXX  data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
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: Was not notified of investigation status or results

Complaint:
Hello on XX/XX/21, I submitted a compliant through your system on the credit bureaus reporting inaccurate and unknown items on my credit report. I received a notification stating that my compliant has been received and recently checked to see the status of my compliant only to find that my case has been closed. The reason states that " We have contacted you to let you know that we need additional information about your complaint. We haven't heard back from you. Without more information we couldn't process your complaint and have closed it. '' I searched the website to identify what information was needed, but no where on your site does it state what information you need. This is extremely frustrating, it I sent my initial compliant on XX/XX/XXXX and it is now XX/XX/XXXX and I am still in the same place that I was when I started. I have not received any information from the bureaus nor has your office stated what information is needed for my compliant. What is the point of having a governing body if even your company does the same thing as the bureaus which is ignore us consumers. Which brings me to this question, what is my next step if even the CFPB will not protect me??? and clearly in your name is Consumer Protection Bureau ... Can someone please help me address this issue, I was looking to purchase a home by this summer but that has had to be postponed due to the negligence on both the credit bureaus and the CFPB part. I request that the following items on the documents be removed immediately or a compliant will be filed to the attorney general about both agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-16
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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 accounts and update this immediately : XXXX XXXX XXXX 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 2022-05-02
Company: EQUIFAX, INC.
State: PA
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 USC 1681 Section 602 States I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Company was conspiring with FBI TO Close my account cause FBI has me on the XXXX watchlist and FBI does not want me to have any accounts so Citi bank was harassing me and being very unethical and discriminatory against me they illegally closed my secured credit card account, now they are refusing to refund my security deposit of {$140.00} and I want 2 weeks of interest at {$100.00} a day for them depriving me of my property ( funds ) thats a total of {$1500.00}

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 explanation
Consumer complaint received 2018-10-17
Company: Bread Financial 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: Reporting company used your report improperly

Complaint:
I have had a store card issued through XXXX XXXX for XXXX XXXX XXXX stores for nearly 3 years. 

Recently, without my permission or authorization they did a hard pull on my credit and decided to lower my credit limit ; despite the fact I have an excellent payment history with them and have been working diligently to pay my balance off ( before any other accounts actually ). 

This has caused my credit rating to go down ; harming me significantly. While I do understand it is their right to issue credit as they see fit ; the reason that there were some negative marks on my credit report the day they performed their unauthorized credit pull was because my identity had been stolen. 

XXXX was already aware of this as I had sent them correspondence regarding the ID theft a few months ago and if the credit bureaus were actually doing what they are supposed to do they would have not released my credit information to them anyway without verifying my identify. 

Neither XXXX nor the credit bureaus contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: CHARLES SCHWAB CORPORATION, THE
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I received a Fraud alert notification from XXXX from Charles Schwab went off on my phone about a possible fraud notice on XX/XX/2023. I was then contacted by the Charles Schwab Support Team at XXXX XXXX. The gentleman assisting me locked my account and stated that my account will be taken care and any posted transactions or fees for transactions will be removed of and asked me if I would open a claim to the fraud team. I allowed him to open an investigation with the team and he told me that I would expect a call back some time in XXXX - XXXX hours which would be some time Saturday at XXXX. My conversation with him lasted XXXX hour XXXX minute and XXXX seconds. Saturday came around and nobody called me. The time is XXXX when I decided to call back the number. I spoke with a gentleman who helped me get back into my account and then transferred me because he had no idea how to assist me with my money. I was transferred to a lady who informed me that the fraud team did not work on weekends and to expect a call some time Monday. I asked if there was a way to reach out to the fraud team so seek a resolution to the withdrawn money from my IRA, Savings, and Checking account. I was told there is no way to contact the fraud department other than by email and that she would put in a request for me. My call lasted XXXX minutes and XXXX seconds with them. It is now Monday and nobody called. The time is XXXX and I called the customer service hotline at ( XXXX ) XXXX and spoke with a man who had no idea how to help me. He double-checked with me that my account was secure and said there was nothing else he could do for me. I currently can not get into contact with anyone who has the knowledge or understanding on how to resolve my situation other than " Wait for us to call you. '' I spoke with him for XXXX minutes and XXXX seconds. I already have access to my account now but nobody has any idea of the money that was withdrawn via fraud and has no true answer that I'm receiving help or that I've even been helped at all in regards to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Experian Information Solutions 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:
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.

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 2023-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been dealijg with Capitial one and have been emailing capitial one ceo and talk to everyone at capitial one capitial one will not remove the innacurates from my credit report and they state they dont deletions period But from other people emailing the ceo and askong for deletions and updates they do it with no problem I was even told by capitial one they dont do deletion but this right here shows they do Capitial one is not beinf their word and holding to their standard they talk about

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Synovus Bank
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # XXXX I had two accounts with XXXX XXXX XXXX. Synovus Bank Acct ( XXXX ) XXXX still reporting A closed Paid account. XX/XX/XXXX After it meet FCRA requirements. 

Account # XXXX XXXX XXXX Reporting On the same day I closed Account ( XXXX ) XX/XX/XXXX. On my report it shows Date Of Last Payment XX/XX/XXXX Payment Status : ( Currant ) Account Status : ( Paid ) Comments : Canceled by XXXX XXXX ( Consumer closed the account not them ) XXXX XXXX 30 days late * XXXX XXXX  60 days late* XXXX XXXX 30 days late* Date Last Active : XX/XX/XXXX Date of last Payment : XX/XX/XXXX Last Reported Date : XX/XX/XXXX XXXX Reporting Payment Status : ( Current ) Account Status : ( Paid ) Comments : Account has been closed due to inactivity XXXX XXXX 30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Last Reported Date XX/XX/XXXX Date Last Active : XX/XX/XXXX Date Of Last Payment : XX/XX/XXXX XXXX Payment Status XXXX ( Current ) Account Status : ( Open ) Comments : Consumer Disputes XXXX XXXX  30 days late * XXXX XXXX 60 days late* XXXX XXXX 30 days late * Payment Status : ( Current ) Date Last Active : No Info Date Of Last Payment : No Info Last Reported Date XX/XX/XXXX Payment Status : XXXX XXXX XXXX ( Inaccurate Reporting ). 

Payment Status : XXXX XXXX Currant Payment Status : XXXX 30 Days Late Payment Status : XXXX Current ( Inaccurate Reporting )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Santander Consumer USA Holdings Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My name is XXXX XXXX XXXX on XX/XX/XXXX my 2019 XXXX XXXX XXXX was repossessed I call Chrysler Capital the finance company who have the account I was told that I would have to pay the hold balance out to retain my vehicle. In 2019 I had XXXX XXXX XXXX and have had a lot of complications from the XXXX. That is how I got behind in my payments My wife was also out of work do to the pandemic I have tried to reach out to Chrysler Capital but they continue to tell me I have to pay out the entire balance due and that it had to pay by XXXX XXXXThis is the first time this vehicle have been repossessed if you can help please call me at ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no a knowledge of this account according to the FCRA This item must be removed

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 2023-09-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite multiple written requests, the unverified accounts listed below continues to report on my credit report in violation of federal law. I sent a letter to the 3 credit bureaus but never received a response from them. These accounts must be validated in accordance with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXXBalance Owed : {$0.00}

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 explanation
Consumer complaint received 2022-11-25
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXXXXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXXXXXX XXXX  Account # XXXX, XXXXXXXX XXXX Account # XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX Account # XXXXXXXX XXXX Account # XXXXXXXX XXXX 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 604 A 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 non-monetary relief