BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-03
Company: Rocket Mortgage, LLC
State: MS
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:
After applying for refinancing of a mortgage, Quicken Mortgage provided information showing 40 collections, 20 legal collections, 2 recent delinquent reports and 13 delinquent accounts that seriously affect my credit record. I have no idea who is submitting this information to the credit agencies because it is the first time I have seen such. I am requesting information on who is providing this information for the credit agencies so I can have my attorney take necessary actions to repair my credit reports. 

You asked me to provide names of companies involved, but I don't know who they are. If there is something I can do to obtain this information, please let me know and I will take whatever action is necessary to obtained. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2020-07-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-12
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: Investigation took more than 30 days

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I credit score. want to open an investigation and solve my problem because is affecting my Credit Score

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 2021-04-07
Company: Sequoia Financial Services
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOC SEC  # XXXX DOB XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-10
Company: U.S. BANCORP
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX sold my mortgage loan to US Bank. During the second week of XX/XX/XXXX I called US Bank to inform them about a XXXX city tax bill. I was told the tax would be paid. Indeed on the US Bank website it indicated a tax disbursement paid for the amount due to the city on XX/XX/XXXX. I felt assured US Bank paid my tax. Today a third party agency for XXXX called to explain my tax was NOT paid. They informed me to go to the XXXX XXXX website to verify the tax was not paid. They explained that if the tax was not paid by XX/XX/XXXX, the house could be auctioned off. I called US Bank and spoke to a wonderful person named XXXX in the tax department. She explained, though the US Bank website showed my tax was paid, my tax was NOT paid. She assured me it may take 7 business days to pay the new amount including late fees. I asked her what happened to the money that was taken out of my escrow on XX/XX/XXXX. She could not answer that, instead saying they need to research it. I ask your agency to investigate the odd business practices of US Bank.

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 2022-08-25
Company: EQUIFAX, INC.
State: GA
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 did not consent to authorize nor benefit from the following account ( s ). Block and Remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Bread Financial Holdings, Inc.
State: MI
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 did not open this credit card called ideal I contacted the company and they sent me a letter looked in to it and was a fraud I have the letter they sent to me saying I was not responsible for this card and they would send the 3 credit card companys saying it was fraud and it was never taken off my credit report 2 years Ive been waiting no response yet they will not take it off

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Revenue Assistance Corporation dba Revenue Group
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Please provide Validation of Debt, Assignment of Debt, Method of Verification used as your in violation of my Hippa Rights. Also, unaware of this debt and did not get a notification and option to dispute. 

Revenue Group XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am responding to the letter from Resurgent Capital Services dated XX/XX/XXXX. This was attached as a response to a complaint created with CFPB. In this letter, Resurgent Capital Services, states that their records indicate that I submitted a fax dated XX/XX/XXXX requesting that their office cease communication. I did not create nor send their office any fax. The fax that they attached to their response is fraudulent. It does not bear my signature and appears to have been created as some type of word document. It also bears the number of XXXX, which is located in XXXX, Georgia. I do not and have never resided in XXXX, Georgia. Resurgent Capital Services fraudulently created that letter/fax. My correspondence with their office has only been via letter with my signature, most of which were sent certified, as well as through Consumer Financial Protection Bureau. In addition to this, my correspondence has never included a request to cease and desist, but has been requests for debt validation that their office failed to provide. In their letter, it states that, Resurgent takes its customer service and consumer protection obligations very seriously Clearly it does not as their office has created a fraudulent document to justify their collection attempts on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
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:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX N/A XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX NA  XXXX XXXX XXXX XXXX SOC SEC # XXXX DOB 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 explanation
Consumer complaint received 2021-10-31
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: Old information reappears or never goes away

Complaint:
All three credit bureaus continue to report inaccurate information, which a dispute letter has been sent certified receipt return. They continue to violate 15 USC 1681a ( 4 ) Consumer Right to Privacy, FDCPA 807 misleading False reporting. I have sent numerous of letters requesting method of validation and they continue to obscure the validation notice.

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 2021-04-07
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/20, I applied for a XXXX XXXX XXXX credit card through Chase Bank while booking a flight to XXXX. The offer was for a {$200.00} statement credit after the first purchase with the card, as well as XXXX points after spending {$500.00} with the card within the first three months. I was not approved immediately, so I did not find out until two days later that my application had been approved. I received my card later that month and began using it. My first purchase was on XX/XX/XXXX, ( a XXXX flight to XXXX ), which should have qualified me for the {$200.00} statement credit. The {$500.00} threshold was reached in early XXXX. 

After the credits did not appear automatically after the required time had elapsed, I contacted Chase about the rewards. They then informed me that I had not applied for the offer I thought I had, but instead a different one. Because the other offer had different conditions, I had not met those conditions, and thus I was not eligible for the rewards. I explained what happened, sent in screenshots of the offer, but they still refused to give me the rewards of the original offer.

The original offer I applied for is still active on their website, and the terms can be found here ( XXXX : XXXX? XXXX & XXXX & XXXX & XXXX & XXXX ). Or you can go through the process of selecting a flight at XXXX. The offer, and the link to apply for it, are below the " Trip & Price Details ''

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: One Source Technology
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
My charges on my background are not felonies! This is costing a job and XXXX for my kids. Please research before putting something on it. Check the levels they in between a ordinance and a misdemeanor, no where near a felony!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My XXXX-year old father was the victim of an unscrupulous unlicensed contractor, and who turned out to be a thief and a vandal. My father purchased items for a home-improvement project and had the items in this contractor 's truck. Instead of delivering the item to the house for the project, the contractor absconded with the home improvement material. He also returned to the property and vandalized my father 's vehicle and stuck a nail inside his newly purchased 'run-flat ' tire. We filed a report with the XXXX XXXX, California Police Department ( XXXX ) XXXX ext XXXX, about the theft of the items and the vandalism. Police Report Number XXXX XXXX. I also filed a claim with my credit card company for the vandalized tire that could not be repaired and needs replacement. 

The credit card company has purchase protection for damage/theft. A claim was filed with them on or about XX/XX/2018. They were provided with photos of the damaged tire, the receipt for the purchase and a copy of the police report along with contact information of the police department and officer who took the report so that they could/would access the report themselves and their would be no question or problem with the 'chain of custody '. 

However, despite being provided with all the information they requested on multiple occasions, the carrier for the company has not made a decision on the claim and has been dragging their feet. To date, after two months, the claim is STILL outstanding and the carrier is requesting the same information AGAIN, thus acting in bad faith.

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 2019-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Bank of America 's digital team deleted my automatic payments. I called with an issue with my credit card and payments being reported as past due, but the payments were current. The rep said that their was a problem with the display. My auto loan was actually overpaid. She said that she would fix the display. The rep cancelled my automatic payments on my auto loan. 

I have called multiple times to fix this and each time Bank of America says there are no problems. Today I login and call and they say I am two months past due. I can't tell if they are not applying the payments. So I paid XXXX XXXX  today and resetup the automatic payments. It is exhausting dealing with these people. You have to escalate and talk to five different reps and spend hours on the phone, but nothing gets done expect you lose time and pay fees. Absolute nightmare

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 2021-04-07
Company: AMERICAN EXPRESS COMPANY
State: DE
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:
In either late XXXX or early XXXX ( can't remember the exact timing ) I went to the American Express website as I was shopping around for a new credit card. I used their 'see if you are pre qualified ' feature before exploring more, where I was presented with the cards with AMEX I was prequalified for. 

One of them was the Platinum card where I was offered a sign up bonus of XXXX with {$5000.00} in spend within the 1st 6 months. Also added on to that was a grocery / gas bonus as well which I'm not disputing in this request. So I applied, was approved. I recently noticed I was given a welcome bonus but it was NOT the XXXX feature. I used the Customer Service chat feature where I was connected with a representative. I was told offers change all the time. I clearly understand that and the representative was not even addressing my issue. I was presented with a XXXX offer which is why I applied. The representative made no offer to do research on their end to see that I was really presented that offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: TRUIST FINANCIAL CORPORATION
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:
Unauthorized use of my credit report

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 2018-07-02
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
On XX/XX/18 I accessed my Amex Account online to use thier membership rewards points ( their rewards program ). When I went to use them I received the following message : " This action will not be completed at this time because your account is currently being reviewed to make sure all eligible purchases meet qualifying criteria. '' I had no idea what this actrually meant beyond I couldnt complete it online, so I called Amex on the phone to figure it out. The lady on the phone said she could complete the transaction ( trasnferring MR to XXXX XXXX   ), but when she tried, she got the same message. I then had to call a different department to find out what this actually means and the other department and no one on the phone was able to assist me. They said it a freeze of MY points, it was something at the corporate level and they were reviewing my account and there was a PO box that I coudl write to. No one could tell me why, what caused this, how it could be resolved, other than writing a letter to a PO box . that is not acceptable. I have paid my Amex bills, on time, in full, for years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: SYNCHRONY FINANCIAL
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Fraudulent account opened in my name in XXXX of XXXX. I have been disputing this since XXXX when I found out about the account. I have sent police report, Identity Theft Affidavit and multiple demand letters requesting proof of ownership. All have gone ignored. I sent a cease and desist on XX/XX/XXXX to stop the harassing phone calls, emails and mail being sent to me in an attempt to collect on this fraudulent account. This was received by them on XX/XX/XXXX, however, a statement was then mailed on XX/XX/XXXX and more phone calls. A direct violation of the Cease and desist. They have also violated my rights under FCRA by ignoring my request for proof of ownership of debt. I am beginning the paperwork to file a lawsuit against this company for harassment and violation of rights under the Fair Credit Reporting Act. They have also added this account back to my XXXX Credit report after it was removed dropping my credit score dramatically. Added additional fees and continued collection attempts.

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