BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: Experian Information Solutions 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 when to apply for a store card and was denied for too many delinquencies to my surprise then, checking my credit report I found some discrepancies in items that are not mine, I believe I've been a victim of identity theft, so I'd like to report this to ask for help in restoring my credit. 
In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.

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 2022-02-10
Company: Bread Financial Holdings, Inc.
State: NC
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: Problem with personal statement of dispute

Complaint:
To whom it may concern, Thank you for service. 

This complaint is concerning a Victoria Secret credit card account. This account was opened XX/XX/XXXX. It reports on my consumer file as CB/VICSCRT. This account was closed and charged-off as a bad debt and sold to XXXX ( XXXX XXXX XXXX ). I paid the account if full to XXXX XX/XX/XXXX. They in turn removed there mark from my consumer file. This account is closed and reports to XXXX ONLY as CLOSED, PAID IN FULL by Victoria Secret and still remains on my consumer file today. 
A cancelled debt or a charge-off is considered income according to the most recent IRS instructional publication. Furnishers of information are required to report debt to the consumer reporting agencies, not income. Why is this account still being reported? Victoria Secret never sent me a 1099c.

15 U.S. Code 1681s-2 clearly states the duty of furnishers of information. Its states they shall not furnish any information relating to a consumer to any consumer reporting agency if the person ( corporation or company ) knows or has reasonable cause to believe that the information is inaccurate. I have put them on notice numerous times. I have disputed this account personally over 10 times and have hired 2 separate companies to get this item remove from my consumer file. The inaccurate reporting of this account has been detrimental to me and my familys ability to obtain credit and to qualify for a XXXX  Veteran Home Purchase. I am demanding that Victoria Secret remove this inaccurate and invalid information from my consumer report because they are in clear violation of the law. 
Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: Diversified Consultants, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
XX/XX/2019 Diversified Consult Debt Collection {$500.00} for XXXX I asked the company before making the past due amount if this collection could get removed and deleted from credit and they told me they will also send me a documentation stating it will be deleted and removed but i called back on XX/XX/2019 to confirm the deletion and thats when they told me that the company doesn't do deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-08
Company: JPMORGAN CHASE & CO.
State: MN
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:
Before I purchased round trip ticket on XXXX to XXXX from XXXX, I decided to take advantage of the promotion they were running which included XXXX bonus miles ( after spending {$2000.00} on purchases in the 1st 3 months account open ) AND, most importantly, {$250.00} statement credit " Enjoy a {$250.00} statement credit after your first purchase with the MileagePlus Explorer Card. If you make your first purchase today, your first purchase and statement credit will post on the same statement ''. 

I applied and was accepted and booked my flight on XX/XX/19. I just received my statement and the {$250.00} credit was not reflected so I called, twice. Their response was that marketing won't approve because I didn't go through the correct promotional online path. 

As a consumer, I don't decide what the path is. I printed out the promotion to be sure I had documentation of what the promotional offer was. They will not credit my account with the {$250.00}. I called Chase on XX/XX/XXXX and again on XX/XX/XXXX at XXXX XXXX ( CST ). Spoke with XXXX XXXX. I also sent an email to XXXX explaining the situation to see if they can help since it is their partnership with Chase. 

I am at a loss as to what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: NJ
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 you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX 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 2022-03-15
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX and my wife is XXXX XXXX, last XX/XX/2021 we purchased XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX a single family home for our primary residence with our XXXX children. At the time the monthly mortgage payment that the New Rez mortgage broker presented to us was $ XXXX. The mortgage broker did not include all of the insurance costs before closing so now our current mortgage payment is just below {$2000.00} a month. The error was that in NC they separate out wind/hurricane insurance from all other perils and you have two policies for one home. The broker took the cheaper of the two policies that were sent to her via email ( see attached documents ) and did not include the higher cost wind/hurricane insurance, and that is where the error occurred. I guess with the broker not working in NC and not being familiar with NC laws is the root cause. 

We called New Rez, but they said there was nothing they could do, and expect us to pay for this error by their mortgage broker for the next 29 years at 3.5 % interest compounded. We are now filing this complaint in hopes that NewRez will work to make this right. I have below the contact information for the NewRez and the broker we worked with. 

New Rez NMLS number is XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX # : XXXX | XXXX # : XXXX Licensed in multiple states XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, # XXXX, XXXX, XXXX XXXXXXXX XXXX : XXXX ( ext. XXXX ) | cell : XXXX fax : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Spoke with XXXX at Transunion XX/XX/XXXX about an investigation of fraud by Transunion betweenXXXX and XX/XX/XXXX whereby I as consumer have had my federally consumer rights violated by Transunion in conspiracy with furnishers who have breached consumer trust unfairly in violation FCRA confidentiality and right of privacy in the misuse of my good name in effort to profit off my trade mark and this has negatively impacted consumers credit worthiness, credit standing, credit capacity, character, general reputation. 
Transunion alleges to have investigated my concern but refused to provide written evidence by written authorization. 
Transunion has in conspiracy refused produce evidence of written consent or by what authority requires disclosure without consumer consent and in effect accepts liability of misuse of my property. see 31 CFR 1.32 ( c ) and 15 USC 1; 15 USC 15. 
No person shall publish, print, display or otherwise publicly use for purposes of trade or for any commercial or advertising purpose the name, portrait, photograph, or other likeness of any natural person without the express written or oral consent to such use given by : ( a ) Such person; or ( b ) Any other person, firm or corporation authorized in writing by such person to license the commercial use of her or his name or likeness see Florida Statute 540.08. 
Identity theft means a fraud committed using the identifying information of another person without authority. See 12 CFR 1022.3 ( h ). 
Transunion in conspiracy with furnishers to an elaborate mechanism has deprived my right to extend credit under color of law alleging whether authorized or not the consumer has no protected right to have information deleted from third parties as defined at 15 USC 1692c ( b ) respecting their privacy and confidentiality as expressed at 15 USC 1681 by Transunion. 

see attached complaint and FTC report dishonored.

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 2023-01-05
Company: EQUIFAX, INC.
State: NY
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 letter is a formal request to remove unauthorized Inquiries from my credit report. I've listed the unauthorized inquiries below. 

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 and XXXX XX/XX/XXXX. 

In accordance with the Fair Credit Reporting Act. I respectfully ask you to investigate my claim and, if after your investigation, you find my claim to be valid and accurate. I ask that you immediately delete the unauthorized Inquiries outline above. Furthermore, I ask that you send a corrected copy of my credit profile to me at the above-listed address. 

If your investigation determines the inquiry was authorized. I respectfully request you forward to me a description of the procedure used to determine this within 15 days of the completion of your re-investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
As shown by the attached most recent statements, the loan servicer XXXX Quicken loans ) indicates that my account was discharged of personal liability. However, I entered into a reaffirmation agreement with Quicken loans through my attorney in XX/XX/2019. 

The information being provided to the credit bureau does not reflect my payment history and states that my account was discharged in bankruptcy. This information is erroneous and has caused me server distress. 

When communicating with Quicken loans, after verifying the reaffirmation disposition with my attorney, Quicken loans as told me via phone the following : 1. My payments will be reported once they have the reaffirmation agreement processed in their system.

2. My reaffirmation was withdrawn by my attorney.

3. My account was discharged in bankruptcy and NO payment will be reported.

4. Talk to your attorney because they show it withdrawn.

5. They made a mistake and they now see the reaffirmation and have reported the correct information and payment history to the credit agencies. 

To date, I have gotten different responses from Quicken loans, have had erroneous data provided about the history of the account, and have not seen any attempt at resolving the matter in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21
Company: EQUIFAX, INC.
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 status incorrect

Complaint:
I paid 2 collection agencies. I was told my credit report would be updated by Equifax. I filed a complaint with the XXXX  XXXX XXXX on XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX XXXX and XXXX. My credit report remains the same..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or delete them immediately in my report : 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 XX/XX/XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: VA
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 submitted a disputes to Equifax and they lied and said they verified the 3 bankruptcies but they did not. I also provided them with court documents that prove the 3 bankruptcies were falsely filed in my name without my consent. The court documents prove I sued the individual and won. The court determined I did not ever file bankruptcy. I tis obvious that Equifax did not review the documents I sent. I have proof they received my letter because I sent it certified mail. These illegal bankruptcies are preventing me from obtaining a place to live. I have been trying to get an aprtment. I have shown the court documents to apartment managers but they say there is nothing they can do because they base their decision of approval on my credit report. Equifax has the responsibility to properly verify my disputes and they filled to do so. Below are the bankruptcy information Equifax is reporting. 
1. Court Name : Federal Reference Number : XXXX Account Type : XXXX XXXXXXXX Bankruptcy 2. Court Name : Federal Reference Number : XXXX Account Type : XXXX XXXX Bankruptcy 3. Court Name : Federal Reference Number : XXXX Account Type : XXXX XXXX Bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Experian Information Solutions Inc.
State: AZ
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 is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, AZ XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/2023.

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 2022-12-23
Company: ORG GC GP Buyer, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been trying to get in contact with this collection agency for a while, never seem to get a response. Most recent letter was sent XX/XX/2022. 
Amount XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2022 I purchased a cashiers check from Bank of America for {$14000.00} payable to XXXX XXXX XXXX to payoff my car loan. On XX/XX/2022, I discovered XXXX XXXX XXXX had lost the check and requested that I have the bank reissue it. Bank of America says that its policy is to wait a minimum of 90 days to start the process and it can take up to 120 days for it to actually reissue. I never knew about this before I asked about a reissue, the bank says it is policy and written on the check in small print. However, I was presented the check in a white envelope and never reviewed the actual check. The only thing I signed was the withdrawal slip, I was never appraised of the rules and policies, This an extreme financial hardship for 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 explanation
Consumer complaint received 2020-08-01
Company: Bread Financial Holdings, Inc.
State: NJ
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 a loan with XXXX XXXX XXXX, Comenitybank/XXXX, and XXXX  XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX  and XXXX XXXX XXXX, Comenitybank/XXXX, and XXXX XXXX XXXX XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: CO
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 have a late pay i need to get removed. I never received a bill and didn't know I had anything due at the time. Its my only blemish on this account and not my fault since there was no bill received. Please help me get it removed. I've disputed the account with the bureaus but had no success.

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 2023-01-05
Company: First Technology Federal Credit Union
State: OR
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
XX/XX/21 checks were issued from a bank and sent to me I received them. I took them to my bank and because of the amount on the checks ( {$160000.00} in total ) the cashier could not process the check because of her cash limit. 7 days later the amount of {$160000.00} hit my bank account balance so that I could put a deposit on a larger loan. I then wire transferred the money to the man in charge of the transaction. 2 days later my bank 's fraud department contacted me saying the checks were fake and that my account is now - {$160000.00} and that the bank could take up to 60 days after it had been processed to my account giving a false sense of security when I assumed the manager processing the check had my best interest. Almost 2 years later this is unresolved and I have not been able to have a bank account since until it is resolved.

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 2022-03-16
Company: SYNCHRONY FINANCIAL
State: CA
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 used PayPal credit to try to send {$5000.00} to a friend. The friend received the notification that PayPal would not release the funds, which defeats the purpose of me sending the money. PayPal refuses to return the funds to me and is charging me interest for the credit transaction, which seems fraudulent. They have also restricted my account and will not let me log in. I spent nearly two hours with multiple representatives in their Disputes and Claims and Limitations departments to no avail. This experience has caused extreme duress and health issues.

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