BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
have a public record & Child Support entry that was placed on my credit report and I have been trying for over 12 months to get this entry removed. I have spoken with numbers representatives, supervisors, and managers in regards to the erroneous public record and I have yet to get it resolved. This is my 14th dispute in which I am currently awaiting results. On XX/XX/XXXX, I called and spoke with a representative and inquired how XXXX, XXXX and Experian verifies their public records. I want to know this information because the public record keeps coming back as mine. I had 20 representatives that told me that the request/dispute is sent as a message to the courthouse through XXXX. Once the court verifies it, the information is sent back to the credit bureau. I advised that I would like to cancel that dispute and they advised that because the dispute was already sent to the courthouse, I will need to contact them with my name and the case number. Being that I work for a XXXX XXXX, I know the court system and their procedures, but decided to call anyway. 
Contacted the court and they advised that they do no disclose, release or verify any information with the credit bureaus or any 3rd parties. I decided to call XXXX  back, spoke with another rep this time and they advised that the information is verified by the runner who goes to the court house. I asked what information does the runner give to the courthouse, and how and what kind of physical information does the runner give back to the credit bureau. They could not answer that, and I requested to speak with the manager. Manager advised since this is a re-investigation, no runner is involved. She advised that they use a form that they send over to the courthouse. I asked what type of form and where is it sent because the courthouse confirmed that they do not verify any information with the bureaus. All 3 major bureaus refuses to give my physical documentation ( whether tangible or electronic ) that they use to verify this these accounts are mine.

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 2018-12-14
Company: Bread Financial Holdings, Inc.
State: NE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed two 1 credit inquiry that I find to be problematic The first inquiry in question was apparently made by on XX/XX/2017 and I have no recollection of doing any business with this Company ( XXXX  ) I contacted XXXX, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I dispute this debt belongs to me so I repeatedly requested validation. I received no documentation in response to my requests so I called XXXX XXXX via telephone and they confirmed they have no documents whatsoever. As there is no evidence of this debt at all, the trade line should be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2018  Re : Unauthorized Credit Inquiry Dear Sir / Madam I recently obtained a copy of my credit report from TransUnion. It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. 
XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX Finance, personal XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX/XXXX Finance, personal XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX   XXXX, MI XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX  XXXX, MD XXXX ( XXXX ) XXXX XXXX XXXX Miscellaneous and public record XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX XXXX XXXX   Miscellaneous and public record XXXX XXXX XXXX, MD 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 2018-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I have WRITTEN Equifax on 2 occassions asking them to remove the EXTENDED FRAUD ALERT, they told me to submit the request in writing and I did. And the FRAUD ALERT is still there. I DON'T NEED the fraud alert because I can LOCK my credit reports with the touch of a button.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-16
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:
cra violation inaccurate infromation

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 2020-08-20
Company: Bread Financial Holdings, 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: Was not notified of investigation status or results

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After  receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: EQUIFAX, INC.
State: IL
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 started disputing false inquiries on my credit report on XX/XX/2021. None of the bureaus responded to me advising what steps they'd be taking or deleting the information at all. Since I didn't hear from them, I sent another dispute on XX/XX/2021 and again on XX/XX/2021. I am STILL waiting on a response and the inquiries still remain on my credit! I did not apply for these items ; the creditors can NOT provide a signed application because there isn't one, there aren't even accounts open from these inquiries!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
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: Old information reappears or never goes away

Complaint:
I have recently disputed the following account with the credit bureau ( Equifax ) : XXXX XXXX   Acct : XXXX Balance : {$1400.00} The credit bureau subsequently removed this account from my credit file in XX/XX/2018. The account has reappeared on my credit file under XXXX XXXX. I do not have a contract with this company forging any financial obligation nor allowing them to report this debt to by credit. Per the law, all accounts must be validated and I must be notified before they are placed back on my credit file. I received no notification of this action or validation of this account after it had already been removed, nor do I owe a debt to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
In XXXX XXXX. I received a {$150.00} offer to upgrade my HSBC choice checking account to HSBC advanced checking account. I upgraded my account on XX/XX/XXXX and met all the requirements, but I never received the credit. I have contacted HSBC twice recently, however they refuse pay the credit.

According to the terms, I need to 1. Upgrade your existing HSBC Choice Checking account to an HSBC advanced checking account from XX/XX/XXXX through and including XX/XX/XXXX. I upgraded my account on XX/XX/XXXX. 
2. Meet one of the Advanced Qualifying Criteria. Maintain combined U.S. personal deposit and/or eligible investment balances of at least {$10000.00} within 30 calendar days from the date of upgrade to Advance or at least {$5000.00} with a recurring direct deposit from a third party to your Advance checking at least once a month or any HSBC U.S. residential mortgage loan. On XX/XX/XXXX the combined balance of my checking and saving account reached over {$10000.00}.

3. Maintain the minimun Qualifying Criteria for 3 consecutive calendar months from the first full calendar month after account upgrade. Since XX/XX/XXXX, I kept my account balance over {$5000.00} with monthly direct deposit until XX/XX/XXXX, which include 3 consecutive months XXXX, XXXX. and XXXX. 

However, HSBC claims that the third criteria was not met because it requires XXXX to be included. Since I met the second requirement on XX/XX/XXXX, I didn't meet the third requirement. 

I can't accept their explanation. It is clearly stated that I have 30 days to meet the requirement, so " from the first full calendar month after account upgrade '' should imply XXXX, XXXX. and XXXX. Otherwise, no one will have the full 30 days window to meet the requirement. In my case, I only have from XXXX. For other people, if they upgrade on XXXX of the month, they will only have 15 days, it they upgrade on the XXXX of the month, there's only 10 days left. 

The terms of the offer is misleading and self-contradictory. I have met all the requirement and HSBC simply refuses to pay the credit, which is totally unacceptable. 

The offer confirmation and my checking, saving account activities has been attached for refernce.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I ordered some dresses from XXXX through PayPal. I received only 3 of the 4 dresses that I paid for and they are not made of material, but some kind of paper. PayPal will not return my money. XXXX is a complete scam and PayPal knows it. PayPal is helping XXXX perpetrate a fraud on people. There are hundreds of victims.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Was not notified of investigation status or results

Complaint:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-21
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I checked my credit report and noticed accounts on my credit that did not belong to or authorized by me. I quickly contacted police where they did a police report and provided me a copy. I then sent in that report as requested by the credit bureau along with other verifying information such as drivers license, utility bill and a copy of my social security card.

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 2020-08-20
Company: EQUIFAX, INC.
State: MD
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:
The accounts listed below are appearing on my credit report. Ive put in Several Disputes regarding these accounts. I ask that these accounts are removed from my credit report immediately. Ive filed a FTC report which has been ignored by you. I sent a handwritten letter on XX/XX/XXXX. My attorney advised me what to do moving forward. I will take further action if they are not removed immediately. 

below are the accounts XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX {$13000.00} XX/XX/XXXX XXXX XXXX XXXX XXXX  {$0.00} XX/XX/XXXX XXXX {$880.00} XX/XX/XXXX XXXX {$830.00} XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX {$14000.00} XXXX  XXXX  {$3000.00} XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
These are not my accounts nor did I live at any of these addresses.

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 2021-07-13
Company: REVERSE MORTGAGE INVESTMENT TR
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
I inherited property from my mother approximately 2 years prior to her passing. She had a Reverse Mortgage Funding loan on the property. I have been trying to purchase/pay off this loan since XX/XX/XXXX. I have submitted all documents, sometimes 3 times. We were within 3 days of closing in XX/XX/XXXX when they emailed me to say after reviewing the appraisal, they found substantial damage and an inspection for insurance purposes had to be done. They had the appraisal in their possession since XX/XX/XXXX and waited until the last minute to spring it on me. I was never filing an insurance claim so they filed one on their behalf. Two inspections were done in XX/XX/XXXX with both failing. I have confirmed this with the insurance company and wrote an email to the short sale rep with Reverse Mortgage Funding to let them know. 
I have repeatedly sent emails trying to get an update on my closure to no avail. They won't answer my emails and when I speak to anyone on the phone, I get the same answer of it's in progress. It's been in progress going on 8 months. 
I have had to change my entire summer schedule to accommodate this company and they don't have the common courtesy to keep me updated or answer my emails. 
I fully believe they are stalling to add time and fees to the balance to get extra money from HUD for the residual payoff amount. They said I could buy the property for {$140000.00} but show a balance over {$200000.00} of which I understand HUD pays them. This is not fair to me or HUD and is morally if not legally wrong, close to extortion in my mind. 
Please help me get this resolved so I can have closure on my mother 's death and move on with my life. 
Respectfully, XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXXXXXX 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