BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-04
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been trying to reach out to this credit card company about my dispute that was made back in early XX/XX/2018. The credit card is through XXXX XXXX and is issued by XXXX. XXXX handles all their customer service support and XXXX XXXX is behind the scene, with no way of reaching them. After I filed a dispute, they did not provide a provisional credit, therefore, the interest on the balance continued to increase, therefore, I ended up paying my balance. A month later they asked for additional information via mail, which I responded via mail. I have constantly been reaching out for a status and they just continued to say they were working on it until today, XX/XX/XXXX, I get an internet response on my follow up question, stating that they did not receive any additional information that was requested. It is now almost 5 months later, and I am at a loss with my money. This is {$270.00} plus the interest that had been tacked on. 

I had a trip to XXXX for XX/XX/XXXX through XX/XX/2018. We received a car from a rental company that continuously stalled on the roads during our first day of receiving it, therefore, was unable to use it. I am also going to mention that we received this car later than our requested time due to the car not being ready and shuttle pick up problems. We returned the car the next day upon their opening and was asked to wait a very long time for the new car to be provided to us. We booked the car for XX/XX/XXXX-XX/XX/XXXX. We ended up not accepting the next car due to the long wait and the wasted time that it caused us and booked through another company. Essentially, we did not get to use the car rental services at all because of this problem. I asked them for a refund and it was refused by the very rude XXXX. I am still pending status on this dispute with my credit card company until this day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: EQUIFAX, INC.
State: TN
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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
i did applied for a loans XXXX XXXX XX/XX/XXXX, The XXXX report was seriously delinquent.credits obligations unpaid. I had called XXXX and they toll me that there is an open unpaid account ; Reference # XXXX Creditor XXXX XXXX XXXX. Date XX/XX/XXXX. XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX. This is not my adress.I had never live in the XXXX. XXXX  advised me to call the collecting agent XXXX XXXXXXXX XXXX. XXXX XXXX XXXX XXXX XXXX, WA XXXX, TE.  XXXX e-mail XXXX They told me that if i paid they will removed the delinquency report, I did explain to then that the debtor is not me, that is noit my account but i did paid and trhe satisfaction was in full. XXXX notified XXXX, XXXX investigated and the y found the account is fraud.They promess me to removed the delinquency report, More than 40 days they did not remove.Last week i did applied again to city bank and still they repor Delinquency Please help 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 2020-09-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I bought a power recliner from Ashley Furniture in XXXX, I received a manual rocker/recliner instead. There is a difference in price of {$400.00}. I have been trying to resolve this since XXXX. They promise to call with an update or say they will credit my account, which they have not done. I have tried their corporate office and to speak with their CEO, who is always not available. I believe this to be bait and switch. This company should be investigated.

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 2023-05-12
Company: EQUIFAX, 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation 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 XXXXXXXX Balance : XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$6800.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$710.00} ; XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX ; XXXXXXXX XXXX  Inquired on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: AMERICAN EXPRESS COMPANY
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
XXXX Received an email from AMEX advising that my credit limit had been lowered from {$5000.00} to {$1800.00} ( 64 % ). It was strange enough to received this email on a Sunday, but the following added to the strangeness : 1. They reviewed my history with AMEX and Credit report- On-time payments for 2.5 years and my credit score has improved. 
2. The number of accounts with delinquencies-4 ever late 3. Credit limits too high- I just paid AMEX {$4500.00} on XX/XX/21. My utilization went from 98 % to 62 % 4. The length of time you accounts have been established-Oldest 17.5 year and average 4.5 years. 
5. Ratio of loan balances too high- not sure. Maybe recent personal loan to work on my debt. 
6. 6 inquiries in the last 12 months 8. AMEX upgraded me to platinum last month. 
7. I immediately called and was told that I have 2 options- pay {$350.00} by XX/XX/21 and my limit would be reinstated within 30 days or submit income documents for review and my limit MAY be reinstated within 30 days. Rep asked which I preferred and advised me that I should be lucky because not everyone gets this offer. Feels like extortion since they just received almost $ XXXX I don't understand and would like to know if this process is for every AMEX customer or just XXXX  women.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-18
Company: FIRST GUARANTY MORTGAGE CORP
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are applying for a Reverse Mortgage. We have a current mortgage closed inXX/XX/XXXXwith First Guaranty Mortgage which is being serviced by XXXX XXXX XXXX. When the underwriter processing the new Reverse Mortgage pulled our credit, something odd came up on the report. Under Mortgage History it listed a RERECORDED DEED dated XXXX/XXXX/XXXX for a mortgage amount exactly the same as our original principal amount of {$140000.00}. However, the XXXX/XXXX/XXXX recording shows a Mtg. Term of 28 years rather than the 30 years on the original mortgage. 

This entry on our credit report caused the new underwriter to request written verification that this latest entry is in fact a rerecording of the original mortgage deed and not a new or additional mortgage. Seems pretty straight forward, but neither First Guaranty Mortgage nor XXXX is responding. I received an initial response from XXXX XXXX at First Guaranty that he was communicating someone at XXXX ( indicating that XXXX must have filed the rerecorded mortgage deed ). I initiated communication with XXXX XXXX on XXXX/XXXX/XXXX, received a voice mail message on XXXX that he was in contact with someone at XXXX, but XXXX did not tell a name or give me any contact information. Since that date I have been unable to reach XXXX or get any return calls to my voice mails. 

WE NEED SOMETHING IN WRITING EXPLAINING THE RERECORDED MORTGAGE DEED TO THE SATISFACTION OF OUR CURRENT UNDERWRITER. 

Thank you.

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 2017-09-18
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: Public record information inaccurate

Complaint:
I have been disputing the accuracy of a filing of a bankruptcy file # XXXX for about 6 months now. With a lot of hard work and determination I was able to have XXXX and XXXX remove this wrongful reporting that has a very negative impact on my credit. They removed this information back in XXXX andXX/XX/XXXX. However, no matter what I do, Transunion continues to fight me on this no matter what I do. 
I resulted to disputing it with XXXX which is who TransUnion informed me they recieved this public information from. I have finally received a notification from XXXX. 
DatedXX/XX/XXXX, a letter from XXXX, their file number- XXXX, clearly states this : After a reinvestigation of the data in question, XXXX was unable to verify the accuracy of bankruptcy case number XXXX within the required timeframe as outlined by the FCRA , and subsequently removed this record from your lexis nexis risk view report. 

Therefore, this information must now be removed from my XXXX report!!!! I have since faxed this information 4 times, sent via overnight USPS mail with return receipt and each time they are claiming they are not recieving this information even though I have confirmation of each thing I do. I have called in atleast 4 times every single day and have filed 3 open disputes. I even went so far as to ask XXXX XXXX to contact them to remove this false information from my report. 
I need help. please assist me in revolving this matter.

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 2021-09-01
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my credit report : XXXXBalance {$0.00} XXXX XXXX XXXXXXXX  {$18000.00} XXXX XXXX XXXXXXXXBalance {$0.00} XXXX-Balance {$0.00} XXXX XXXX XXXXBalance {$460.00} XXXX-Balance {$8300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it is impossible to be late on an account with a zero dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2018-05-02
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I recently checked my credit report and found several addresses and accounts that were not mine. I have filed a police report and even tried disputing the fraudulent accounts but have had no resolutions. Below I am listing the accounts and address that are false. 

Experian : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXXBalance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX/XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$270.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$300.00} Account Name : XXXX XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$150.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} XXXX Accounts : Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2200.00} Account Name : XXXX XXXX XXXX Account XXXX :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$4500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2100.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$5500.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$2000.00} Account Name : XXXX XXXX XXXX Account # :XXXX Date open:XX/XX/XXXX Balance : {$35000.00} fraudulent addresses:XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX ///XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I already reached out to the credit bureaus and to I C SYSTEM INC for the account number XXXX and notify them of their error posting for this account. I DO NOT OWN THIS DEBT, I NEVER HAD A I C SYSTEM INC ACCOUNT, and I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. Continued reporting of this inaccurate and UNVALIDATED debt. I thought they had dutifully complied to the law to cease any collection efforts unless proper validation has been provided. Then I found out that the issue still persists, I just had to escalate to CFPB.

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 2019-03-04
Company: Phoenix Financial Services LLC
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: Account information incorrect

Complaint:
OnXX/XX/2019 I pulled my XXXX  credit report. I noticed two collections on my report from a Phoenix Financial Group a collection agency claiming to be collecting for a XXXX XXXX XXXX. One was for {$160.00} and one was for {$160.00}. I was completely unaware of owing any of these two groups any money for any services provides. I disputed these on my credit report and on the next morning XX/XX/2019 I called XXXX XXXX XXXX and they could not find anything on me owing them any money that had not been paid. I then contact Phoenix Financial Group and the lady insisted on me giving her my social security number. I was hesitant but she stated she could not look up anything with out it. So I did and she told me she could not find anything in her system that they had reported. I asked well why is there two collections on my credit report. She just stated on don't know. dispute it. I then asked her if she would send me an email that stated they have no collections reported on me. She stated send you an email that I have nothing in my system or in the office on you and I said yes. She just laughed and said she could not do that. Here is a group that is unconcerned that they have fraudulently posted a negative entry on someone's credit report and had no desire to correct the mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: EQUIFAX, INC.
State: OR
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:
This is my 2nd attempt to rectify a serious error on the part of Equifax Credit Information Services LLC. I have been disputing an entry on my credit report listing a Bankruptcy Chapter XXXX- discharged on XX/XX/XXXX for over a year. 
As proven in the documents I am attaching, there is no way the bankruptcy is validated as the Bankruptcy Courts do not verify them ( see attached letter ), it is not listed on my XXXX XXXX XXXX ( XXXX ) report ( see attached report ), nor is there a bankruptcy reported on my XXXX report ( see attached report ). To quote the reply from my 1st complaint ( see attached response to my 1st complaint ) Equifax is a repository of credit information which has been supplied by creditors, collection agencies and public record holders. As such, we do not collect or maintain copies of contracts between consumers and their creditors. The disputed Discharged Chapter XXXX Bankruptcy # XXXX is currently reporting as discharged. The only other way it could possibly be reported is through PACER. I have previously requested ( see letter dated XX/XX/XXXX ), and I WILL DO SO AGAIN NOW, Equifax provide identifying info of the clerk they spoke to verifying the Bankruptcy as BK Rule 9037 states- " PERSONAL IDENTIFICATION DEFINED AS INDIVIDUALS SOCIAL SECURITY & TAXPAYER IDENTIFICATION NUMBERS, NAMES OF MINOR CHILDREN, LAST FOUR DIGITS OF FINANCIAL ACCOUNT NUMBERS, AND DATE OF BIRTH, BE REDACTED FROM DOCUMENTS FILED WITH THE COURT. '' Therefore obtaining verification through a subscription to PACER or any other agency is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires " you to notify the party who furnished the disputed information '', Equifax would also be in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits " unfair or deceptive acts or practices '' by purposely reporting information that they have " assumed '' is verifiable based off circumstance.

Equifax has failed numerous times to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. IN ADDITION, Equifax has violated the FCR Act Section 623 ( a ) ( 3 ) & /or FDCP Act Section 807 ( 8 ) by not placing a notice of my dispute on my credit report w/in 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-17
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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