BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Texas XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the 2020 Edition of the Privacy Act published by the U.S. Department of Justice. 
LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : BK OF AMER XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS XXXX XXXX AND XXXX XXXXXXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated.

Thank you for your full consideration in this matter. 


Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-14
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
I do not authorize any of these inquiries on my credit report I would like to get every inquiries removed from my credit report my identity have been stolen

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 2021-01-19
Company: AES/PHEAA
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: Was not notified of investigation status or results

Complaint:
During the year XXXX, I was in school working on my degree still and for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, Fedloan reported I had late payments on these particular months when I was set for an in-school deferment status as I have always done so since XXXX. They updated it to current in XX/XX/XXXX but failed to update the months in question that I am filing a complaint for. I have tried countless times to get this resolved and due to COVID-19, it has become even harder to reach a customer service representative to ensure this gets solved. I am still in school and I have a family to support now, I am filing a complaint due to it has been over 2 years now that I have tried to clear this up and provided numerous documentation to the lender. They have advised several times they would fix it however, now it is affecting my lending needs to I can buy a home for my growing family. I have paid close to {$1000.00} alone in credit monitoring with all credit bureaus and exerted an extreme amount of energy which is not good for me at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
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:
I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Account left that need to be removed or Block. Per FCRA section 605 you are required to remove any account listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 

Please note that you have 4 business days to block the reporting of any information in my credit file that resulted from an alleged identity theft. I do not consent to E-OSCAR or any means of automated verification. 


XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, my rights has violated. 
15 U.S.C. 1681 Section 602 A states I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07
Company: Experian Information Solutions Inc.
State: TX
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$630.00} past due as of XX/XX/2020. 
Account TypeCollection Balance {$630.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX/XXXX/XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$820.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXXDispute XXXX/XXXX/XXXX   XXXX potentially negative icon Potentially Negative StatusClosed. {$540.00} written off. 
Account TypeCharge Card Balance {$0.00} Date Opened06/06/2018 Dispute StatusOpen/Never late. 
Account TypeCredit card Balance {$520.00} Date OpenedXX/XX/XXXXDispute Installment Loansshow tooltip button XXXX/XXXX  XXXX   XXXX potentially negative icon Potentially Negative StatusCollection account. {$890.00} past due as of XX/XX/2020. 
Account Type

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 2022-09-09
Company: Experian Information Solutions Inc.
State: NY
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. Please take notice of my intent to sue. In previous months, I requested the removal of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or response which I classify as frivolous, you have dishonored FCRA regulations and my request for verification. If you wish to correct this dishonor, I will give you one more chance to correct your errors and update my records. Please update the account, which you have failed to provide proper verification and another bureau has found to be inaccurate. You have 30 days to correct the account listed below : XXXX XXXX XXXX XXXXXXXX Date OpenedXXXX Balance : $ XXXXLate/Open Late Date XX/XX/20

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 2020-10-07
Company: Southwest Credit Systems, L.P.
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: Investigation took more than 30 days

Complaint:
I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX XXXX ) 3 ) XXXX XXXX ( XXXX  XXXX ) 4 ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to EXP and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This item is past the statute of limitations and inaccurate, remove XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00}

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I have new and updated information regarding complaint XXXX. Pursuant to 15 USC 1681i, Transunion has 30 days to complete an investigation however, it's reinvestigation was not completed pursuant to federal procedure therefore, it is incomplete. Pursuant to disclosure attached on the correspondence Transunion mailed me on XX/XX/22 and 15 USC 1681i, I am again requesting a description of the reinvestigation procedure. My Transunion file number is XXXX. I have previously disputed alleged accounts for XXXX and Department of Education however, Transunion never completed the investigations. In Transunion previous responses to the CFPB, it said that XXXX needed more information from me which is false. Pursuant to 15 USC 1681a ( e ), an investigative consumer report was to be completed upon my request however it was not. Furthermore, XXXX nor the Department of Education can not verify that any information on my consumer report is factual information. I am verifying that the following accounts are not factual and must be blocked and deleted from my consumer report : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23
Company: 21ST MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I acquired a 80/20 mortgage for the sum of {$360000.00} & {$90.00}, XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX CRFN # XXXX Rec. XX/XX/XXXX & CRFN # Rec. XXXX Rec. XX/XX/XXXX Rec. in the XXXX County Clerks Office. On XX/XX/XXXX & XX/XX/XXXX there were two satisfaction of mortgage, the {$360000.00} was supposed to be return to me XXXX XXXX which I never received Rec. in the XXXX clerks office CRFN # XXXX & the {$90000.00} was return to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, PA XXXX CRFN # XXXX. On XX/XX/XXXX XXXX XXXX XXXX XXXX claim that I acquired a mortgage of {$540000.00} not a assignment or sale from XXXX XXXX XXXX XXXX but a mortgage. In fact I never took another mortgage on the property how is it possible to buy the property twice, the amount of the mortgages was {$360000.00} + $ XXXX= $ XXXX.if there was a refinance which never happen meaning I had to take money out of the property, were is the check and who cash it? 
On XX/XX/XXXX XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX and Rec. it at lease two years later XX/XX/XXXX XXXX county office CRFN # XXXX. XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX assigned the mortgage to XXXX XXXX XXXX XXXX XXXX XXXX. But XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX had no servicing rights see case # XXXX ( XXXX ) UNITED STATES BANKRUPTCY COURT XXXX DISTRICT OF LOUISIANA XXXX XXXX DECLARATION OF XXXX XXXX XXXX as president of XXXX XXXX XXXX on XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX four years later. On XX/XX/XXXX assignment from XXXX XXXX XXXX XXXX to XXXX XXXX. XX/XX/XXXX assignment from XXXX XXXX to 21ST MORTGAGE CORPORATION which bought a fake NOTE into the court as I explain to the judge. The banks & servicer are dealing with deceptive practices. On XX/XX/XXXX effectively XXXX XXXX XXXX XXXX assign, transfer or sold all servicing rights to XXXX XXXX XXXX XXXX. With no recording in the XXXX clerk office. XXXX XXXX XXXX XXXX Also are claiming I did a modification with them which never happen, further more they didnt own the mortgage or the rights to service the loan. Now I am in danger of loosing my home with a sale date in a couple of weeks these banks an servicers has know right to foreclose on my property. and there is many issues with the assigments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 am a Victim of identity Theft. I did Not give any Consent to open these 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 explanation
Consumer complaint received 2022-09-09
Company: Bread Financial Holdings, Inc.
State: NV
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Bread Savings will not add my spouse as a joint owner on the Certificate of Deposit Account opened on XX/XX/2022. The original complaint was filed with the FDIC and then the FDIC turned the complaint over to the Consumer Financial Protection Bureau. The CFPB followed up and was able to get a generic response from Bread Savings that is not to my satisfaction. I am requesting that this complaint be submitted once again and that Bread Savings be required to provide a response that is comprehensive. I also want to know why Bread Savings would not answer me directly when asked why they denied my wife to be a joint account owner. The funds that were transferred to Bread Savings came from a joint account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
This complaint is about my Amex Platinum consumer credit card and a separate but related Business Platinum card, and the deceptive marketing around the use of Membership Rewards points. On XXXX XXXX, XXXX, I used " pay with points '' on the Amex Travel website to purchase airline tickets on XXXX XXXX for XXXX points, equivalent to {$470.00}. My purchase was eligible for the 50 % bonus reward because I have both the Platinum and the Business Platinum card. AmEx marketing said when I signed up for the card : " You 'll receive 50 % of the Membership Rewards points used for flights with your selected airline back. '' My selected airline is XXXX. In the past ( on XXXX XXXX ), I received the bonus the day after the Pay with Points purchase ( see attached screenshot ). However, I have not received my 50 % bonus for the XXXX XXXX purchase - 19 days ago. I have spoken with 7 different agents at AmEx and AmEx travel, including 2 supervisors. They all say I used my Platinum card ( not eligible for 50 % bonus ) instead of my Business Platinum card for the Pay with Point purchase. But that 's not true. Whey you pay with points, you use your online login to make the purchase - and my login is tied to BOTH accounts. My understanding from the website is that as a Business Platinum cardholder, any Pay with Points purchase with XXXX would receive the 50 % bonus. I have no idea why the charge was posted to my Platinum card instead of the other one - I thought all Pay with Points purchases would post to Business Platinum since no reasonable person who had both cards would use the one that is NOT eligible for the bonus. I asked if they could transfer the " purchase '' ( not really a purchase since it was with points associated with both accounts ) from the Platinum to the Business Platinum card, and they refused. They also refused to manually credit me with the points, even though they clearly have the ability to do so. This seems like a trap designed to rob people of their points. I pay {$900.00} in annual fees for this Pay With Points benefit, and it is not fair to deny me these points, which I have earned by carefully following their rules and jumping through hoops to book a flight on their website and on the specific airline that is eligible for the reward ( XXXX ). I would not have applied for and used a Platinum card at all ( business or consumer ) - and I would not have booked these particular flights - if I had known they were going to deny me my points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 the several times I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX MO 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