BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: IN
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 am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-02-18
Company: Experian Information Solutions Inc.
State: MS
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:
As of Friday morning XXXX XXXX. Im so very devastated to the findings on my credit report. Someone has opened fraudulent bank installment loans and accounts without my consent and or permission. Someone obtained three loans total. Two of which from the same content. The first loan was with XXXX XXXX XXXX and was opened on XXXX XXXX. The second loan was also with the same institution XXXX XXXX XXXX and was opened on XXXX XXXX during the Coronavirus pandemic crisis. The third account FRAUDULENT account is with XXXX XXXX, opened on XXXX XXXX. This is so sad that people cant leave peoples personal business alone, and respect their privacy. This is very uneasy for me to get this resolved. This is totally messed up and has tore my credit completely up. This is very depressing knowing that someone has MY! PERSONAL 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 2023-02-23
Company: Upgrade, 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:
The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. XXXX XXXX XXXX XXXX - XXXX : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with UPGRADE ( XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Iconic Mortgage Corp.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX, 2023... Received a letter stating that we had an escrow balance of {$2500.00} and we needed to " take action '' " before any other changes '' Early XXXX I called and found out it was Iconic Mortgage and not XXXX XXXX who I had the mortgage with before they sold it to XXXX XXXX. The person on the phone said they wanted me to refinance and take advantage of my equity, but I refused and request my escrow be returned to me. Went through another round of the advantages of refinancing which I declined and said again just send me my money. The individual agreed. 

It's been almost 2 months with no check so I called again on XX/XX/XXXX and spoke to XXXX at Iconic. Now he said I could only access my escrowed funds if I refinanced my loan with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Genesis FS Card Services, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Every month Destiny card report to every credit report agency ( XXXX, XXXX and XXXX ) that payment is due, late or delinquent on payment. Company Reporting late payment on credit report are illegal : under 15 U.S. Code 1681a ( 2 ) Exclusion consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report.

Meaning everytime Destiny card report a late payment on consumer report is a violation of {$1000.00} under 15 u.s.c section 1681n.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions 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 information incorrect

Complaint:
Account # XXXX is showing a delinquent balance although I paid the card of XX/XX/2023. I sent XXXX XXXX a billing error dispute pursuant to 15 USC 1666 ( b ), ( c ), ( d ), and ( e ) on XX/XX/2023 but received no response to the error. This account should have been updated to PIF status already and XXXX will not respond to my dispute to fix the error

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 2023-08-04
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:
I am a victim of identity theft and Im writing to you to dispute the fraudulent accounts in my file that I did not make or authorize. I have circled the items Im disputing on the attached copy of my credit report. The items I am disputing do not relate to any transactions that I made or authorized. As required by section 611 of The Fair Credit Reporting Act, a copy which is enclosed, I am requesting that the items be removed.

A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identified as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-23
Company: Rocket Mortgage, LLC
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, My name is XXXX XXXX and I am issuing a formal complaint around deceptive sales practices by Rocket Mortgage involving mortgage contract XXXX, a refinance to mortgage contract XXXX previously held by Rocket Mortgage. 

On XX/XX/XXXX, XXXX XXXX with Rocket Mortgage reached out to me unsolicited, to propose a refinance on my existing mortgage held by said company, part of their promise to their customers initiative. Over the next month, XXXX would sell me on a refinance that would save me an estimated {$35000.00} in interest while simultaneously lowing my monthly payment by {$260.00}. 

On XX/XX/XXXX, I refinanced loan XXXX which had included, as per my HOAs terms and conditions, homeowners insurance with XXXX XXXX XXXX : Police number XXXX. This insurance policy was previously maintained by Rocket Mortgage via an Escrow withholding. However, with the refinance, the Rocket Mortgage officer, to inflate attractiveness of the proposed refinance, never disclosed that the price I was being quoted and pressured to sign, now excluded a withholding for Homeowners insurance in the escrow. At no point during our phone conversations, nor email exchange, was the topic of homeowners insurance being excluded addressed. A verbal conversation around Escrow savings was had, addressing a tax reevaluation windfall. The material change in the relationship between myself and Rocket Mortgage went undisclosed, misleading the true savings tied to the refinance offer. 

On XX/XX/XXXX, the homeowners insurance policy ( XXXX ) previously maintained by Rocket Mortgage lapsed due to non-payment. A letter, dated XX/XX/XXXX, was dispatched to Rocket Mortgage ( attached ) informing them that the policy had lapsed. No effort of communication to inform me of the development was made by Rocket Mortgage. At this time, I was now in breach of the terms and conditions as set forth by my HOA, while simultaneously exposed to financial liability. The lapse in coverage, went unnoticed until XX/XX/XXXX, when an attempted claim was made, only to discover no insurance was available. I must now burden tens of thousands of dollars of liability, additionally having to report to a hearing regarding my breach of Terms and Conditions set by the HOA, potential liability unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: SUNRISE CREDIT SERVICES, INC
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2023 at XXXX I spoke with customer rep from sunrise credit service- XXXX XXXX XXXX in regards to a collection for {$14000.00} on my credit report that is not mine and is fraud. Someone has stole my Information and is using it. The sunrise credit service told me that a address from XXXX XXXXXXXX has used my information. Sunrise credit service Rep is sending fraud papers to me to fill out and send back for further investigation for fraud. I have disputed and froze all line of credit from XXXX, XXXX and XXXX. I'm getting a police report done today as well.

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 2023-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
The financial institution, Bank of America, overdrafted my account on or around XX/XX/2023. There was a cash deposit in the amount of {$600.00} made on XX/XX/2023 to cover a hotel expense in XXXX. The deposit made was the amount needed and then some to cover it. However, when I returned home my tax return posted and I transferred the money from the checking account into my savings account. All together there should have been a total of approximately {$3200.00} between the {$600.00} and the {$2600.00} tax return received. On or around XX/XX/2023, when I checked the balance on my checking account it was {$470.00} overdrawn. When I contacted customer service to investigate, I was told that there was a teller hold on the cash deposit and that I would have to go into a branch to discuss it with a banker. I did that and the banker could not understand why I was disputing it. In either case none of the customer service representatives knew what was going on. They also did not seem to want to look into this further. It appears the Bank of America is once again trying to swindle people out of money by overdrafting their customers ' accounts for no reason.

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 2023-03-02
Company: Bread Financial Holdings, Inc.
State: ME
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:
A new credit inquiry was pulled from Comenity Bank on XX/XX/2023 for " COMENITYCB/MYPOINTSRWD ''. This is fradulent activity which I have reported to Comenity Bank as of XX/XX/2023. 

The person I spoke with at Comenity bank confirmed that my social security # was used to open the line of credit under my first and middle name. They also mentioned that an address in XXXX CT was used ( I have never lived in CT ) and they did not use my correct date of birth in the credit application.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-02
Company: ALLY FINANCIAL INC.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Ally Bank has frozen my checking account on two separate occasions claiming to have reopened and investigation about my attempts to transfer funds to my sister.

The matter was already investigated, access restored and then frozen, again XX/XX/2023 Repeated attempts to contact AllyBank fraud department has been hang up on by Ally staff, after waiting in cue 10-30 minutes Repeated denial of information regarding access to my funds. Ally has not provided any written explanation for their freezing of my accounts, other than to tell me that's what I signed up for in my online banking agreement.

This ability to freeze my accounts has not been fully disclosed to me during sign up for the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: Experian Information Solutions Inc.
State: PA
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:
Fraudulent accounts and inquiries appearing on my credit report. 

Accounts XXXXXXXX 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 explanation
Consumer complaint received 2023-03-02
Company: Rent Recovery Solutions
State: LA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My father used my social security number, license, and financial information to obtain an apartment and was " evicted '' during covid. I now owe {$1500.00} according to rent recovery that should not be my debt. I talk to them XX/XX/2023 to discharge the debt but they refused. I did not get written correspondence about a settlement offer or anything of that nature.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-19
Company: Exeter Finance Corp.
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX is reporting my account to all 3 credit companies as closed charge-off and late payments ... I paid my account in full and on time since XX/XX/2012 until the end of the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: EQUIFAX, INC.
State: TN
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 have sent multiple letters to explain that these accounts are fraudulent, INACCURATE. To further explain, I have been away from my home for over a year and a half. I have a traveling career. With that being said, I do am away from my home for several months at a time. My home was broken into while I was away. My personal information was taken from me ( Social security card, passport, duplicate of drivers license, along with other items within my home ). This was brought to my attention due to not only my belongings being missing, but also because my credit has taken a DRASTIC change. Several accounts were opened by using my identity. I have tried disputing these errors several times. I do not know what to do anymore. I have worked very hard for what I have and worked hard to make sure that I did not live my life full of debt. My credit score has been RUINED due to some pathetic CRIMINAL!!! I am taking the fall for it. If that was not stressful and hectic enough, now my XXXX file is saying that I am DECEASED!!! I am not sure if someone has a similar name or has stolen my identity. I NEED THIS FIXED AS SOON AS POSSIBLE!!!!!!! PLEASE help. 
The following accounts ARE mine : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX  ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX and closed XX/XX/XXXX ). XXXX XXXX  ( However, this card was stolen and has over {$3000.00} worth of fraudulent charges ). XXXX ( However, this card was stolen and has over {$2000.00} of fraudulent charges ) Again, these accounts listed above ARE mine. 
The following accounts ARE NOT MINE and have been opened without my knowledge/ approval. XXXX, XXXX, and multiple XXXX  accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
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'm sending this complaint to inform the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute the unauthorized account that reporting on my credit report. Since this is a strict violation of FCRA laws I need the ACCOUNTS removed from my file as soon as possible. 
XXXX 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 explanation
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Ive been trying to dispute several items on my report but my dispute has been ignored. I am requesting that you look into this matter as required to do so under the FCRA. If you do not comply with the terms of the FCRA I will have no choice but consider the possibility of litigation. 
XXXXXXXX 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

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 2023-02-19
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, I sent a notarized Billing Error Notice to CARECREDIT 'S CEO XXXX XXXX via USPS certified mail with a Domestic Return Receipt. CARECREDIT received the Billing Error Notice on XX/XX/XXXX. 

I also sent a copy of the Billing Error Notice to CARECREDIT/SYNCHRONY BANK BILLING INQUIRIES via USPS certified mail on XX/XX/XXXX, and XX/XX/XXXX. Those Notices were delivered to their XXXX XXXX and picked up on XX/XX/XXXX. 

I am aware that CARECREDIT/SYNCHRONY BANK shall follow the following procedures as defined in 12CFR 1026.13 ( e ) ( 1 ) Correct the billing error and credit the consumer account with any disputed amount and related finance or other charges, as applicable ; and ( 2 ) Mail or delivery a correction notice to the consumer.

I am also aware that " the creditor may not collect any disputed amount. The creditor can not restrict, accelerate payment or close an account and or make or threaten adverse reporting to any person about the consumers credit standing without resolving the billing error. '' CARECREDIT/SYNCHRONY BANK reported the account as 30 days past due on XX/XX/XXXX, which is a violation 15 U.S. Code 1666 ( e ). CARECREDIT/SYNCHRONY BANK also closed my account on XX/XX/XXXX, when there were no missed payments or reason to close my account, which is a violation of the FDCPA as well. 

Lastly, CARECREDIT/SYNCHRONY BANK has not responded with a rebuttal, point for point, which forfeits CARECREDIT/SYNCHRONY BANK right to collect the disputed amount as described in 15 USC 1666 ( e ).

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 2023-02-23
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:
I now have 2 separate loans from the company XXXX reporting on my Experian credit report that I did not open. My identity has been stolen, and I am seeking to recover my credit worthiness. Both loans where never reported to my credit report until XX/XX/XXXX, and only display 30 and 60 day late payments. No other payment history is refected and the loans appear to have been open in the year XXXX and 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 2023-02-19
Company: EQUIFAX, INC.
State: WI
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 reporting act XXXX  # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation