BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-08
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
Since XX/XX/ 2017 I have been sending dispute letters every 30-40 days requesting a thorough investigation of erroneous and unknown items on my credit report. I asked that I be provided with legitimate verification as to how, by law, the disputed and negative inquiries and accounts arrived on my report. I asked that proof be shown with original contracts and my signature. 

I have sent each request certified mail. Each time I get a letter back with very little information and the bureau stating that it " re-investigated '' my dispute. However, the items remain on my report without verification being provided or explanation. The Bureau generically states " verified. '' Also, my inquires are not being responded to within 15 days. I also demanded, for that reason, that because they violated a consumer credit law, to immediately delete the disputed items. 

Also, during the time of disputes, the Bureau has inserted additional unverified accounts onto my report. 

I have explained that this whole process has been costly and stressful. The Bureau continues to disregard my requests.

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 2020-11-16
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX DOB : XX/XX/XXXX Here are the requested documents to remove my credit freeze so I can reset my Experian account and take care of my financial business.

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 2021-01-29
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 noticed that i have been a victim of Identity Theft for a few years now. ( XXXX  XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX  XXXX  ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! I can not accept this!

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 2018-07-10
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened an HSBC Advance checking account last XXXX with the {$350.00} account opening bonus attached, with the requirement being to deposit {$10000.00} within 30 days of account opening, and to maintain that balance for 90 days. The fine print says the bonus will be paid within 8 weeks of meeting the requirements. I completed the requirements on XX/XX/XXXX - maintained the bonus for 90 days - however the bonus still hasn't been paid to this date. The fine print of the promotional bonus is attached below. 

I applied for the account online, and the account was approved via email on XX/XX/XXXX ( email attached below ). 
However, I did not get a link for registering for online banking until XX/XX/XXXX ( email attached below ). 
And I was only able to access my account on online banking on XX/XX/XXXX ( email attached below ). 
My initial deposit of {$1.00} was not deposited until XX/XX/XXXX as can be seen in my electronic statement below. 

I contacted an HSBC customer service representative by the name of XXXX, who confirmed in writing that the bonus requirement of depositing {$10000.00} " within 30 days of account opening '' means 30 days from the date of initial deposit, which means by XX/XX/XXXX ( 30 days from XX/XX/XXXX ). Additionally, the rep. confirmed in writing that the deadline for the deposit is in fact XX/XX/XXXX. 
The chat record can be seen below. 

After I deposited XXXX on XX/XX/XXXX, my account reached the balance of {$11000.00}, meeting the requirement of having a balance exceeding {$10000.00} on or before XX/XX/XXXX ( within 30 days of account opening/initial deposit as confirmed by the aforementioned representative ). This can also be seen in my electronic statement below. 

I have maintained a balance of over {$10000.00} for over 6 months, since XX/XX/XXXX, yet I have not received the bonus. I repeated contacted the customer reps over online chat and they all told me they wouldn't be able to submit any inquiries and that I had to wait - a few of them told me to wait until 8 weeks after the requirement was met, and then after that date, they told me to wait until the end of XXXX. 

Using XX/XX/XXXX as day 1, the requirement of maintaing a $ 10k+ balance for 90 days was met on XX/XX/XXXX. Adding 8 weeks to XX/XX/XXXX yields XX/XX/XXXX. It has been over 3 months since I've met the requirements, yet I still have not been credited the bonus. 

I chatted with a customer rep. last week who said they would submit an inquiry and on XX/XX/XXXX, I heard back from them saying I was ineligible due to " the account not being funded with the qualifying balance within the first 30 days of account opening '', clearly contrary to what the customer rep. ( XXXX ) informed me back in XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-13
Company: EQUIFAX, INC.
State: AL
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 respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items is listed below. 
The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. 


Reason : NOT Metro 2 Compliant there not USC 1692g compliant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I have sent to XXXX  proof of my identity like social security card and drivers license proving what my name is. I'm still getting correspondences and they are reporting the incorrect name. 

Wrong name : XXXX XXXX XXXX Correct name : 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 2020-08-29
Company: DISCOVER BANK
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-04
Company: EQUIFAX, 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:
Hello my name is XXXX XXXX and Im filing this complaint on behalf of myself and THERE IS NO UNAUTHORIZED THIRD PARTIES INVOLVED. I sent a dispute letter to EQUIFAX on XX/XX/2021 pointing out the exact inaccuracies on my credit report only for them to not truly investigate the matter. Are they even truly conducting investigations or are they just automatically verifying things without conducting an investigation as required by law? I want this taken care of immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-06
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I contacted customer service on XX/XX/2018 at XXXX to request information on the debt owed ( XXXX ). CCS collection agency reports that they can not mail any payment history nor signed contracts to me due to them not having the information. Company is unable to prove that I owe this debt. I would like the debt removed from all three credit bureaus

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dovenmuehle XXXX. XXXX  XXXX XXXX XXXX, TX XXXX Dovenmuehle Mortage company holds an escrow account to pay taxes and insurance for my mortgage, my insurance changed in XX/XX/2020 Dovenmuehle did not pay by XX/XX/2020 so XXXXXXXX XXXX XXXX out of XXXX Florida canceled my policy effective back to XX/XX/2020 I was notified of this XX/XX/XXXX XXXX day before a hurricane even though XXXX  posted payment. During the two months of XXXX and XXXX I received several letters from Dovenmuehle letting me know I didnt have insurance and they were going to buy insurance for me. My last letter from Dovenmuehle about no insurance is dated XX/XX/2020. Dovenmuehle paid bankers {$24000.00} to XXXXXXXX XXXX  on the XXXX of XXXX for a {$2200.00} policy, Dovenmuehle reported to all three credit bureaus that I owed them {$22000.00} and also reported it as an increase on what I owed on my mortgage it immediately dropped my credit score 100 points. Dovenmuehle sent me a letter on XX/XX/XXXX and XX/XX/2020 increased my mortgage by {$2100.00} dollars a month. I have called almost every day trying to get it fixed and keep running into a block wall with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I filed a complain previously about this : I purchased a home in XX/XX/2018 through the XXXX  home buying program. I went through all the appointments and classes to make sure that I was ready to purchase a home and that I knew my affordable mortgage amount due. I closed on XX/XX/2018. I was told my mortgage amount would be {$1100.00}. A year alter, I was told by my Mortgage company that my new payment amount would be {$1300.00}. When I closed on the home, the title company told me that I was issued a credit because the sellers paid the property taxes for the home up until the day of closing. A year later, come to find out, they did NOT. Bank of America paid the difference and assessed it onto my mortgage. 

They followed up with a BOGUS call back number. I have called the number 15 times, left numerous voicemails, and can't get a call back. 
They are croooks!

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 monetary relief
Consumer complaint received 2021-01-29
Company: WELLS FARGO & COMPANY
State: SC
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXXXXXXXXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, WELLSFARGODEALERSVCS add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

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 2021-01-29
Company: Fleet Financial Inc.
State: SC
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 unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XXXX. XXXX, 2019, XXXXXXXX XXXX XXXX add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX/ILENDINGDIRECT/IFLEE add a hard inquiry on my credit reports. 
On XXXX XXXX, 2019, XXXX add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries.

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$9500.00}, {$25000.00}, {$0.00}, {$0.00}, {$400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and  pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9500.00} -This is not my account. 

2. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$25000.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my 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 explanation
Consumer complaint received 2018-02-08
Company: McCarthy, Burgess & Wolff, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This action is against XXXX XXXX and the offices of McCarthy, Burgess & Wolff. 
In approximately XXXX of XX/XX/XXXX I was subleasing office space and the landlord wanted the space back to accommodate a large company coming in so I need to cancel/suspend my internet service from XXXX until I found a new location. In the interim I am working from a home office that I currently have XXXX internet service. There was no place to mark the XXXX form for suspension of service only termination of service. 
My account was quickly turned over to the collection agency above for collection of approximately {$4200.00}. I have sent letters to XXXX XXXX and have never received an answer from them, just silence. I have filed a complaint with the FTC in XXXX of XX/XX/XXXX and I do not know the status sine they have not communicated any action to me. I was in phone contact with a XXXX ( XXXX ) XXXX and I felt like things were being taken care of, however, in subsequent calls to XXXX I have had to leave a message and never returns my call.I am a 15 year customer of XXXX for telephone, TV and internet. Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: Early Warning Services, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
After I sought an accommodation under the XXXX to receive my report the company denied me an accommodation and refused me the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-29
Company: Chime Financial Inc
State: MI
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Chime advertises an {$100.00} spot me limit and paid up to 2 days early feature on their website and all over the internet through marketing. I signed Up for chime 11 months ago based on these advertisements. Ive had around $ XXXX deposited into my bank account from my direct deposits from work and i have Yet to see the {$100.00} spot me limit, Ive emailed chime back and forth, they say they cant raise my limit to the advertised limit. They have bait and switched me with false advertisements, i want What i signed Up for which is the {$100.00} spot me limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MA
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:
XXXX, XXXX, Equifax continue to violate the FCRA with XXXX XXXX XXXX account XXXX. This account has been illegally Re-Aged from XXXX to XXXX. This account has multiple violations of the FCRA. 

( 1 ) Violation of the FCRA Re-Aging account from XXXX to XXXX. 

( 2 ) Violation of the FCRA not putting the required notice of dispute in comments after I have disputed this account multiple times.

( 3 ) Inconsistent reporting by XXXX, XXXX, Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29
Company: Shellpoint Partners, LLC
State: AZ
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 am writing you because I have three late payments on my record for a mortgage that I was paying for XXXX, XXXX, and XXXX, of 2020. I made these payments through green tree mortgage co. I was unaware that the mortgage co. Had changed and I was delinquent until I received a refund check from XXXX XXXX  on XXXX.i did not know that shell point mortgage servicing co. Was the new mortgage co. Due to the fact that I am a traveling nurse. I contacted shell point mortgage servicing company right away and to my surprise I was 3 months late. Even though I had sent those payments to green tree. I payed shellpoint as soon as I became aware of the problem. I am requesting these late payments be removed from my record because I played them on time in the first place. I am inclosing bank statements that prove I payed on time and did not even know I was late there was no notification of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: CORELOGIC 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:
This complaint is to addend the complaints that was filed on XX/XX/20 # XXXX and # XXXX. Based on the credit report that we just received from Credco. We discovered the WRONG SSN/NAME/DOB ( it is my brother XXXX XXXX XXXX ) was used from the XXXX  data ( page 23 ). There are 30 mistakes total ( with red X ).

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