BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-18
Company: Bread Financial Holdings, Inc.
State: AZ
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:
Credit Card has failed to issue reward points for 3 Billing Cycle. 

Initial called sometime in XXXX, and was told there was a system issue that would soon be corrected. 

Called Credit company again on XX/XX/2022, and told a system issue since XXXX has prevented rewards to be posted. 

I requested the points be posted to my Ultra reward account, as a accommodation pending the system fix. Was told they couldn't do it. 

I was Requested to submit client complaint, Credit Card company failed to take complaint and only provided a phone number to call which was not a complaint division for the Credit Card. The number was not for the credit company, but rather the Corporate Headquarters number foXXXX Ulta XXXX XXXXXXXX XXXX XXXX XXXX Payment XX/XX/2022 {$250.00} XX/XX/2022 {$310.00} XX/XX/2022 {$180.00} Card logo says XXXXUlta XXXX XXXXXXXX XXXX  XXXX XXXX number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
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:
There are 3 accounts that aren't mine and I have disputed them in the past. Against the FCRA, they keep reporting and need to 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 2023-11-30
Company: Uprova Credit, LLC
State: GA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
This company is not licensed to operate in the state of Georgia and charges an interest rate of 517 % which is also far above the interest rate legally allowed in the state of Georgia.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX Balance Owed : {$490.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX XXXX Balance Owed : {$110.00} ; XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX ( Original Creditor XXXX XXXX XXXX  ) XXXX Balance Owed : {$750.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$2600.00} ; XXXX XXXX Balance Owed : {$10000.00}.

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 2023-07-19
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:
I have disputed multiple things on my Credit app`to no avail I request my original signature and to see the documents signed but the three Experian. XXXX andtransunion and none of the have proven anything I'm at the 2 year mark and nothing has been proven or fixed

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 2022-10-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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  Recovery In Account # XXXX, has violated my rights. 

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 a 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
Consumer complaint received 2023-02-13
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: Their investigation did not fix an error on your report

Complaint:
I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These very strong inquiries that's holding me back from moving forward with my life.

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 2022-01-14
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
See attached package including a True Bill, received by company as verified by XXXX XXXX of Mailing Form 3817 with a postmark date of XX/XX/2021. 

XXXX received the instrument and responded ( see last page of packet attached ) by saying they were ceasing and desisting all collections and have returned the account to their client.HOWEVERThey, along with their client, USAA have kept the instrumentwhich facilitates discharge according to UCC 3-603 Tender of Payment. They did not send back anything other than the correspondence attached. 

Not only have they and USAA violated numerous 15 USC laws such as : 15 USC 1692c ( a ) Communications without prior consent. {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$1000.00} 15 USC 1692c ( b ) Communications without prior consent with third parties {$24000.00} 15 USC 1692b violation stating consumer owes debt {$1000.00} 15 USC 1681b Furnish consumer report circumstances and no other {$1000.00} 15 USC 1681s Responsibility of furnished of information {$1000.00} 15 USC 1692e debt collector {$1000.00} 15 USC 1681i treatment of inaccurate / unverifiable information {$1000.00} They have sent these documents through the United States Postal Service [ 18 USC 1341, 1342 As of the date of this complaint, neither XXXX, nor USAA has returned the instrument tendered on XX/XX/2021 as verified by the XXXX postmarked Certificate of Mailing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
called fifth third bank for mortgage forbearance around XXXX of 2020. The forbearance plan was initiated but was cancelled shortly after before my mortgage for the month of XXXX was due. Fifth third bank officially cancelled it after I called in. Afterwards I paid my mortgage on time for the next six months until XX/XX/2020. Thats when I called in to initiate covid mortgage forebrance again according to the CARES Act. This time I officially utilized it for 12 months. Fast forward to now its been a year and I have 6 month left on my extension for foreberance since CAREs act stated 18 month total for my situation, and the mortgage servicer confirmed I do qualify for 18 months. While on the phone with their customer service representative they stated I can not have my full 18 months because XX/XX/2020 I called in to start foreberance. They are counting the 6 months gap between XX/XX/2020 to XX/XX/2020 as foreberance taken, even though I wasnt on the the plan becuase it was cancelled and I made all Mortgage payment due on time during that 6 months gap. The customer service also lied on the phone stating they are doing this because its their investors policy. And the investor happens fo be XXXX XXXX  which the representative gave me their customer service number. I called XXXX XXXX they have stated they never issued any policies regarding this and they abide by the CARES Act of granting 18 months of forbearance. 

The above paragraph was from my last complaint. It's still valid. Now I need to my last 3 months of forebearance and fifth third bank has denied it again. I was told it might be possible to get an exception from XXXX XXXX to proceed but I still haven't received any confirmation from fifth third bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I'm reaching out to provide a follow up on my previous complaint about the situation in which I became a victim of identity theft. Once again, I'd like to mention FCRA Section 605B, as stated in 15 U.S.C. 1681c-1, which requires Credit Reporting Agencies to remove and block the inclusion of any items listed in an identity theft report. Please take a look at the attached documents to help with the process of blocking and removing the inquiries that have been showing up on my report. Below, you'll find a list of the unauthorized inquiries that have been recorded in my credit history : 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 TRANSUNION 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 2023-07-19
Company: Experian Information Solutions Inc.
State: CA
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 want to inform the 3 Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) 3 CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXXXXXX 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 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 explanation
Consumer complaint received 2021-01-30
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
After 11 years of litigation, 3 bankruptcy actions ( two ChXXXX 's and a Ch. XXXX ) against XXXX XXXXXXXX XXXX, XXXX, XXXX obtained a judgment in foreclosure using the FALSELY ALLEGED HOLDER " XXXX XXXX, XXXX, as Trustee for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ''. The note was held by " XXXX XXXX XXXX XXXX XXXX ''. XXXX was Trustee and would have been subject to our counterclaims for fraud, but they used a different " trust '' to foreclose to avoid lender liability. 
Foreclosure judgment obtained in XXXX XXXX ( XXXX XXXX, WI ) after they bribed a judge with a {$120000.00} mortgage " reduction '' by " XXXX '' letter only back in XXXX. I have proof of that bribe. 
XXXX ( non-performing loan ) sold to Specialized Loan Servicing, who contacted me in XXXX of XXXX seeking to collect monies for " escrow shortgage ''. I sent a QWR, timely, and it was ignored. 
We are now in receipt of a 1099-A for the XXXX tax year for the foreclosed property which was quit-claim deeded to the lender in late XXXX to avoid any liability from the ZOMBIE FORECLOSURE property left to rot and deteriorate. XXXX XXXX and SLS are engaged in a racketeering enterprise to harm past customers/borrowers/victims of foreclosure fraud. Debt discharged in BK. THERE IS NO DEBT!

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 2021-03-14
Company: AFNI INC.
State: OH
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 filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
UNATHORIZED INQUIRY XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-16
Company: AMERICAN EXPRESS COMPANY
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:
Hi, My all AMEX credit cards were cancelled by Amex today ( XX/XX/2021 ), Amex is my favourite credit card company because I really like their service and the credit card benefits. I hope Amex can make another reconsideration of my case. 
I always pay my bills on time and have an excellent credit score, On XX/XX/2021, I got a financial review from Amex, I guess it was caused because of some XXXX purchases made by my Amex XXXX credit card, then I paid off all bills right away to keep the balance be XXXX ( I always made the payment on time ). Amex Financial Review says I need to provide my tax return to verify my income, then I filled out the 4506-C form ASAP, so Amex will get my tax return from IRS ASAP and Amex agents told me that it usually take one or two weeks. However, it takes more than 2 months and I still do not get any response from Amex. When I tried to reach out to Amex again, they told me they are not allowed to get my tax return from IRS due to some system errors or IRS delays, and then they ask me to request one from IRS and ship it to them. It is very sad to get this message, but I still request one from IRS right away and then I ship it to AMEX. 
On the morning of XX/XX/2021, the most disappointing thing is that Amex told me the tax return format is not what they want, and I will not have enough time to get a second try. I am very sad to get this result, but it is not fair to me. Usually, Amex gets the tax form from IRS directly, and I was trying to do my best that I can do. 
I really want my AMEX cards to be good to use because I do have two family trips next year, and we hope to have a great trip experience with Amex platinum card benefits ( plan to apply next year ), I also recommend Amex cards to my friends and family members all the time to tell them, Amex is the best credit card company, you can get whatever cards you want, and they have an. excellent customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: KEYCORP
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mineXX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This year and last year I've disputed this alleged account with another collection agency and it was proven that the alleged debt wasn't mine due to insufficient proof. This debt was bought via a portfolio of debt. I've seeked an attorney XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX. I'm tired of being taken advantage of after I've proven my innocence.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: SYNCHRONY FINANCIAL
State: MD
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 filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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