BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-03
Company: Bread Financial Holdings, 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: Account status incorrect

Complaint:
I was approved through Comenity Bank for the Victoria 's Secret and XXXX XXXX and XXXX on XXXX/XXXX/XXXX. 
I was then contacted by mail I needed to provide proof of identity. I sent in my Drivers license, SS card and proof of address. My cards were immediately closed and I was sent a letter saying they suspected fraud. 
I was told the accounts would be taken off my credit report. It has been 4 months and I have XXXX derogatory accounts saying " Account XXXX by XXXX XXXX ''. 
I still have no idea why my accounts were closed. I did n't even use them before they were closed within 2 months of being closed. 
Please remove these cards off my credit report. Currently you have these XXXX cards reporting to XXXX and XXXX. I am trying to clean up my credit to buy a house and this is hurting my score immensely. 

NY XXXX CO credit limit {$250.00} Victoria 's Secret credit limit {$350.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Hello : I attempted to sign up with my PHI on Experian XXXX. I was alerted that I already had an account. 

When I attempted to log in using my over decade long email address and most commonly used passwords, I couldn't get in. So I requested a new password though the forgot password link. I received a message my password reset request was going to an email address I'd never used before. 

I've reached out to experian and received the full email address XXXX from the representative. The representative informed me that the account was just opened on XX/XX/XXXX and not been accessed until I attempted as mentioned above. 

The experian XXXX rep XXXX informed me that he updated my email address so I can log in with my real email address. 

However, after disconnecting the email address is still set to XXXX. 

This email rang familiar because we were looking for a new place back in XXXX of this year, 2022 ; We ran into a scammer who was using the same email address.

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 2019-07-09
Company: EQUIFAX, INC.
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:
I'm in the market for a home purchase. One of the preparation steps I'm taking is monitoring my credit report. A couple of days ago I checked my credit report again and I saw a couple of items on my credit report that are not mine. I have reached out to the FTC and to my local police department and I am doing this on my own behalf. Again these items need to be deleted from my credit report. XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX lnquiries : XXXX XXXX, XXXX XXXX, XXXX   XXXX XXXX, XXXX. XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FCC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have my credit affected and have hard inquiries on my credit report due to my decreased dad using my name and social security number in a fraud attempt he applied for bank cards under my name and credit and now my credit is low because of him my credit shows XXXX XXXX instead of XXXX XXXX but yet is still connected to me this is wrong because of this I have a hard time getting approved for car loan and home loan and even finding apartments or homes

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 2022-04-07
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
MIP on my loan Ive tried to have removed several times over the years so I had about 8 yrs more to pay off my FHA mortgage and still MIP remain on my mortgage so since they wont remove it I pay the loan off and ask if there was money coming back to me for the mortgage insurance protection and I was told no and I was told by other realtors that after I pay my mortgage loan down by 20 % the MIP would be remove but Quicken loan says no and that it would remain on the loan until it is paid in full and I just dont believe that, they couldnt loose any money even if I defaulted on my loan so it should have been removed my name XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
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 received an email XXXX XXXX, 2017 to apply for a Delta Gold American Express card with no foreign  transaction fees, and if I spent {$3000.00} in the first 4 months of receiving the card ( which I did within 2 weeks of receiving mid XXXX ), I would receive XXXX airline miles into my Delta account. I have the email. I waited 2 billing statements but didnt receive the miles. After calling Delta credit card services and AmEx credit liaison supervisors several times, was given the its the other parties responsibility over and over. Finally I was told it was an internal problem with AmEx ; they issued cards to previous card holders and the promo was only for new card holders which I was. I was given complaint # XXXX on XXXX XXXX, XXXX by supervisor liaison at AmEx XXXX XXXX. I checked a week later as she suggested, was shunted around and no one was aware of this problem. It was once again the other parties problem. 

This is fraudulent advertising. I did everything right. I still do not have the XXXX miles. I have been a loyal Am Ex consumer since XXXX. My husband is a Platinum/Diamond Delta business traveler and we both have been loyal to Delta for our trips. No one is taking responsibility for this fraud. Please help. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: Experian Information Solutions Inc.
State: SC
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 sent dispute letter to XXXX on XX/XX/2022. It is now XX/XX/2022. On XX/XX/2022 I disputed the following accounts. 
XXXX Account number XXXX {$7500.00} XXXXl XXXX Account number XXXX {$1300.00} XXXXXXXX XXXX Account number XXXX {$960.00} XXXX XXXXr Account number XXXX {$460.00} XXXX Account number XXXX {$1000.00} XXXX Account number XXXX {$3500.00} XXXX Account number XXXX {$5100.00} XXXX Account number XXXX {$9500.00} XXXX Account number XXXX {$5700.00} XXXX Bank Account number XXXX {$1000.00} XXXX XXXX Account number XXXX {$750.00} XXXX XXXX XXXXXXXX Account number XXXX {$5000.00} XXXX XXXX Account number XXXX {$370.00}

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 2021-06-11
Company: WESTERN UNION COMPANY, THE
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Madam/sir, I hope this email finds you well. 

I would like to report a case of monetary loss in foreign exchange and remittance services. 
For foreign exchange and remittance services between XXXX XXXX and XXXX, I have transferred a sum of money ( HKD XXXX ) to Western Union 's designated bank account in XXXX XXXX from my XXXX XXXX local bank account on XX/XX/2021. 

The expected service was Western Union would remit the equivalent of HKD XXXX in THB to my designated bank account in XXXX as a form of moving money across borders within my family. 
However, Western Union, till this point, denies the receipt of any funds from me or my account. 

The following files are provided for your kind reference : 1. Communications on email between Western Union and myself, starting from account creation all the way to multiple communications about the transfer that Western Union does not admit in receiving 2. Confirmation from XXXX, my bank, regarding the transfer I have made to Western Union 's bank account 3. The original transfer receipt, as saved from XXXX online banking I ask for my funds to be fully returned to my XXXX XXXX bank account as soon as possible, but Western Union has not responded to my request. 
Please kindly provide assistance in filing this claim and complaint. 
Please let me know if you require any other information or evidence. 

Many thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: STERLING JEWELERS, INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I wan na just have my credit fix

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
08 CAPITAL ONE BANK USA N A XXXX XXXX/XXXX/2021 {$430.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I contacted Chase card services on XXXX by phone at around XXXX pm EST, to ask about the sale of the two charge-off accounts I have with Chase. XXXX XXXX transferred the call to XXXX in the Credit Bureau Specialist Unit. 

I asked XXXX if my charge-off accounts had been sold to a collection agency because Chase was reporting the balances to the three credit reporting agencies.

From my understanding, if a charge-off debt was sold, the balance being reported on the account should be {$0.00}. 

XXXX immediately stated that my charge-off debt had not been sold to a collection agency. 

I am a bit confused as to why I have a pile of collection letters from multiple collection agencies stating I owe them money for the charged-off debt, yet, XXXX from the Credit Bureau Specialist Unit with Chase says otherwise.

According to XXXX, placement is the sale of securities. 

So if my debt was " placed '' with an outside collections agency, the debt would have then been sold and the balance reported to the three credit bureaus should be {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-03
Company: EQUIFAX, INC.
State: OH
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:
This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section 623, subsection ( 8 ) ( D ). This is the second specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : XXXX XXXX XXXX # XXXX XXXX XXXX ... I have Demanded a copy of my signature or some proof of Claim, affidavit from both copies. I received nothing back and it has been over 30days since my complaint to both companies. 
The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A. ) I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner. 
If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts may constitute the reporting of false information, causing damage to my reputation andfuture credit worthiness. 
To resolve this situation, I ask that you investigate this matter, and modify the accounts accordingly. I also ask that you inform the appropriate credit reporting agencies of your actions, and ask that they make the proper updates to the accounts at issue

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I submitted a police report. AFter I lost my wallet i decided to make sure nothing had been opened in my name. I checked my credit report and saw numerous 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 2022-04-07
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
See attachments These were sent to all 3 credit Bureaus. They all put a fraud alert on my file with out my knowledge. This is against the law and the FCRA standards. They also put a bogus phone number on there as well that I am not associated with. They did this because all of these bureaus were reported for not deleting Hard inquiries on my credit file that I did not authorize and they can not prove any signature or ID to back there investigation up. There was no investigation done by anyone. They have been warned and I need someone to do something about there Fraudulent behavior. I need this taken care of with in 10 days. They have received 12 different letters about removing the hard inquiries each. I have dont my part and they will not screw up my life any more.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: Capital Accounts, LLC
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I was scam out of {$14000.00} by XXXX XXXX, XXXX XXXX and XXXX XXXX. 
XXXX XXXX work for XXXX XXXX, XXXX XXXX with XXXX Account and XXXX XXXX with Lifestyle Holiday Vacation. XXXX was the agent selling my timesharing. XXXX XXXX was suppose to be the closing office. XXXX was suppose to be Business Administrator at XXXX. XXXX was selling my timesharing for {$90000.00}. XXXX advised me there will be a transfer fee of {$9000.00} and XXXX called and said you will be reimburse at the closing. The closing was schedule for XX/XX/2021. Nothing happen no closing. XXXX again call talking about {$5800.00} administration fee for XXXX {$5800.00} to get this close out. Closing schedule for XX/XX/2021. Still no closing. XXXX came back with another fee for {$14000.00}. That when I realize I had been SCAM. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Colorado XXXX XXXX XXXX Capital Accounts XXXX XXXX XXXX XXXX, XXXX Nebraska XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-07
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 Section2 : It also states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2022-04-07
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I created a Venmo account via their web site on XX/XX/2022. 
The verified my email account by sending me an email with a " verify '' button. They verified my phone number by texting me a validation code that I entered on their web site. I added a bank account and they sent me an email saying that they have confirmed my back account. They sent me an email that stated I am ready to " send and receive money ''. On XX/XX/XXXX I received four payments for a total of {$250.00}. These payments were made via mobile phone, in person, with the senders scanning the QR code on my phone in the Venmo app. On XX/XX/XXXX I received an email stating that " Your Venmo account has been frozen due to recent activity that appears to be a violation of our User Agreement ''. They told me that I had to submit a copy of my driver 's license to unfreeze the account. 
Multiple times I have asked them what rule I violated ( so that I don't violate it again ) - also telling them multiple times that they have already verified my account. Their only responses are that I have to upload my driver 's license - but without telling me what rule I violated, why they didn't ask for my driver 's license before telling me I can send and receive money, or, that doing so will completely resolve whatever the issue is. I have had electronic communications with at least 5 people at Venmo, but, all refuse to answer my questions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-02
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
My father used my credit card by mistake for over 20 years. XXXX Credit Card never verified that the person who uses my card were a different person ( My father XXXX years old with XXXX ) My father ruined my credit on XXXX 2017. The late payment was the reason why I knew my father used my Social Security to get a credit card almost 30 years ago. I called the credit card company and spent 3 days trying to block the card, finally after humiliations by customer service we finally get the card blocked. My sister who is my father representative called the credit card company too and explained the issue. I recorded the call for my records and they blocked the card. But, I need the Credit Card Company send a letter to the credit Bureau clarifying this issue and requesting to return the points to my credit report. It is all I ask for a complete reposition of my fair points in my credit report. I made this complaint before, but XXXX credit card, responded with a false statement " they did n't know if the credit card were used for a different person. They knew perfectly who were using the card and were they send the statement for over 20 years. 
Please help 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 non-monetary relief
Consumer complaint received 2017-10-03
Company: AFNI INC.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been back and forth with this company, XXXX, XXXX They have agreed to delete and then every other month they add this debt in the amount of {$520.00}, not owed by me back on my credit report. I do not owe XXXX XXXX XXXX XXXXe nor have I ever set up any service with them. This is messing up my credit report and I do not appreciate this period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following multiple entries on student loans were reported on my credit report..Based on my research, all government funded loans are not supposedly be reported on a credit report. This is a clear violation of the FCRA.. Credit Bureaus could not even give me concrete explanation as to why thy wont delete it.. Please step up CFPB and delete XXXX   XXXX, XXXX XXXX, XXXX/DEPTOFED 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 2019-01-24
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX Hurricane Irma hit my house in the Florida XXXX XXXX  claim check was deposits Ocwen mortgage company/debt collectors. Not sure which it is Ocwen received funds in XX/XX/XXXX Ask for inspection no inspector since XX/XX/XXXX to date XX/XX/XXXX. 3 months Ocwen doesnt know why?? No inspection Ocwen loan services Loss draft XXXX XXXX  XXXX XXXX, Ohio XXXX XXXX Called lost draft department 24 times Resultion department Inspection dispatch Inspection company. XXXX XXXX. XXXX florida No answer to questions Also. They refused to connect me to the US when asked 10 times

Company response to consumer: Closed with explanation