BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX  Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX  XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-08-01
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
As I was finalizing purchase of a Delta ticket in XX/XX/2022 I was given a promotion to open a new Amex gold delta credit card and receive {$400.00} statement credit & XXXX bonus miles. Statement credit was to be applied approximately 8-12 weeks after a delta purchase & bonus points after {$2000.00} in purchases in first 3 moths. I was approved for the credit card instantly and redirected to another tab to receive a temporary credit card number to complete my transaction with Delta using this new card. I have also met the {$2000.00} spending requirement in the first month yet never received the statement credit or bonus miles. I called multiple times only to be assured it would be resolved and i would see it reflected in my account after 2 full cycles. suffice to say its XXXX and I have now found out I don't qualify for the sign on bonus/ statement credit. No where was there a mention that I wouldn't qualify when i applied for the card, and during multiple calls i was assured that all I had to do was spend, spend, spend and i would see it reflected in my account shortly. I have tried to resolve this issue with Amex but have been unsuccessful to date. I would have never opened this card had it not been for the sign on bonus and statement credit advertised during purchasing my ticket with delta.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-25
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I tried to contact Equifax to place a security freeze and lock both my credit report and credit score. I do n't want any financial institution or any credit or any person or entity to be able to check my credit report or credit score. Equifax did n't respond to me. Please lock and place a freeze on my credit report and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: OAKTREE FUNDING CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance loan on one of my investment properties through Oaktree Funding Corp ( XXXX  XXXX ). I was approved and received the funds, however shortly after the closing Oaktree sold my mortgage to two other another lenders. Now I have two mortgages from two separate lenders ( XXXX XXXX XXXX XXXX and XXXX dba XXXX XXXX on the same house on my credit report and both are sending bills for the mortgage payment. I didn't get two refinance fund payments I shouldn't be charged for two mortgages. 

I have contacted all three lenders and no one has corrected the problem. Each saying I have to contact the other to resolve the issue. I didn't cause the issue. I believe Oaktree made a mistake in how they processed or transferred the note to the other mortgage companies. 

Oaktree 's error has caused my credit score to decline. I'm trying to purchase a new primary residence and I'm being charged a higher interest rate and have to submit a large amount of money because my debt-to-income ratio is higher because of this error

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: EQUIFAX, INC.
State: TX
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX. THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2 XXXX Account Number : XXXX This account is inaccurate and fraudulent. Im seeking Litigation. Please delete at once. 


Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWARE THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: Experian Information Solutions Inc.
State: IL
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:
I'm pleased to see several improvements made to my report, including the deletion of some accounts I had previously disputed. However, there are still a few accounts on my report that are false and the result of identity theft. I request your assistance in getting rid of the last few items on my report. According to FCRA section 605b, the credit bureaus are obliged to remove or block any accounts that have been listed in an identity theft report. I've included a few papers to help prevent fraudulent information from being submitted in my report. 
XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$10000.00} XXXXXXXX XXXX XXXX Balance Owed : {$6100.00} XXXX XXXX XXXX Balance Owed : {$11000.00} XXXX XXXX Balance Owed : {$2300.00} XXXX XXXX XXXX Balance Owed : {$6300.00} XXXX XXXX XXXX Balance Owed : {$6400.00} XXXX XXXX XXXX XXXX Balance Owed : {$4800.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 EXPERIAN initiated a dispute in an account ( XXXX XXXX ) that is erroneously reporting on my consumer report. I, the consumer XXXX XXXX have disputed this account on multiple occasions. XX/XX/2022 XXXX, and XX/XX/2022. I have requested a copy of the investigation, in which EXPERIAN has failed to send. This account is inaccurate. It is reporting as a charge off, which is defined by the IRS as gross or ordinarily income. Income is to be excluded from the consumer report. This is a willful and negligent violation of the FCRA by reporting inaccurate info.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2022 - Someone requested a credit card at Bank of America under my name and was granted {$6200.00} credit limit on card. 

This is NOT me and i do NOT bank with Bank of America and did not request this credit card/line of credit. 

I think this is a part of Identity theft/fraud as not only has this been opened but other checking accounts with different banks have been opened in my name as well. I have made contact with those Banks to close/freeze those accounts.

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 2022-12-12
Company: Chime Financial Inc
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I contacted Chime and requested that my card be closed and a new one be sent to me due to fraudulent transactions that I did not make. I was XXXX and my phone was cloned and information was stolenXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. I begged for them to credit my account because I am going through XXXX and I am on a fixed income from the XXXX due to being XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX and XXXX. I filed on the XXXX and just wanted to get my things back that were stolen. I constantly contacted and asked to know where to send documentation and they told me to wait until one of the pending charges that was left was done. The moment it was settled on the XXXX they immediately closed it and said there was no action that warranted the dispute. So I filed a rebuttal on the same day and this morning it was denied even with the proper documentation and proof. I had over XXXX taken from me. I couldnt pay for my XXXX on Friday because I am overdrafted and they wont credit my account. I have contacted XXXX and XXXX about this and they can not do anything or wont even with them being the fiduciary groups for Chime. This isnt right, I didnt do anything and I just want my money that was taken. I told the dispute department that if my account was not credited today that I would file complaints with the CFPB as well as FDIC. I have been hung up on multiple times, they didnt file multiple times for said rebuttals even when they said they were. All Ive asked is for my money back, its not only XXXX but its the only way I have to help pay for my XXXX and now Im at a loss, I cant even afford to get fuel. I know this is just a protective measure for consumers, but hopefully nobody else has to go through this in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
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:
Received a response from XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX around XX/XX/2022 from a complaint made with the CFPB. The complaint was about the inconsistencies of bill pay and reporting with the company throughout my time having this lease out. 

He admitted to these mistakes and assured that no negative reporting would be made. 

I checked my report and saw that it was a negative mark that has effected me by a XXXX  point swing. I submitted the dispute with XXXX  and the company disputed and didnt hold up their end of the bargain. 

I have also reached out by phone to bmo Harris bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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: Old information reappears or never goes away

Complaint:
XXXX Account ACCOUNT # XXXX USAA FEDERAL SAVINGS B THIS ACCOUNT KEEP REAPPEAR ON MY CREDIT, I FEEL THIS IS BEING DONE ON PURPOSE.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
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: Account status incorrect

Complaint:
I have been trying remove this charge off of my credit report. This is not accurate and needs to be deleted off my account. The creditors are not doing their job and this is hurting my score and Im trying to start a business and get a home. So please help me out. 

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( B ) Requirements relating to reinsertion of previously deleted material ( i ) Certification of accuracy of information If any information is deleted from a consumers file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate.

( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumers file disputing the accuracy or completeness of the disputed information.

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 2022-09-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I sent a certified letter to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX on XX/XX/XXXX asking them to send me information on this bankruptcy. That was filed on XX/XX/XXXX and if they reported this information to the credit bureaus. I never received a response even though i sent a self addressed certified envelope along with the request letter. So on XX/XX/XXXX i sent 609 letters to each credit bureau by certified letter. Asking them to look into this bankruptcy, I received a response from trans union stating they verified the account but they didn't provide me any proof of how they verified it.

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 2022-09-29
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. When I reviewed my credit report, I discovered that some of the information was erroneous. Equifax must validate this account in line with sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in my file listed on my credit report : XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29
Company: World Acceptance Corporation
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of Identity Theft and I am submitting this complaint regarding the fraudulent information I found in my reports. The following items are not affiliated with me nor I received any money, goods, or services as a result of identity theft or they authorized by me. The Credit Bureaus have not complied with the Fair Credit Reporting Act Section 605b, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Under the FCRA, please remove the disputed accounts from my Cr edit report. 

WFC XXXX Balance Owed {$4300.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-12
Company: Experian Information Solutions Inc.
State: MI
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:
Unauthorized hard inquiries from XXXX and XXXX XXXX that Im unfamiliar with. 
Along with XXXX and XXXX running multiple hard inquiries Im not familiar with.

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