BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Have mailed out several letters stating to the Credit Reporting Agencies of Tragic Event of Fraud And Identity Theft Being A Very Serious Cause Towards My Account Was Ignored Or Falsely And Unlawfully lied to about Accounts being reported is My Contract obligations of me owing debt with no written instructions or WET INK SIGNATURE stating approval for access to accounts and proper verification before opening accounts. The Credit Reporting Agency Which This Complaint is Addressed to continues to violate my privacy right and ALSO it continues to REPORT FRAUDUALENT ACCOUNTS WITH NO PROPER VERIFICATION, VALIDATION, OR CONSENT. AFTER BEING INFORMED multiple times through mail that accounts are fraudulent the CREDIT REPORTING AGENCY continues to report fraudulent claims and debts which consists of the CREDIT REPORTING AGENGY ASSISTING AND PREMITTING/ OR INVOLVED IN DOING IDETITY THEFT OR FRAUD ON CREDIT REPORT AND PUBLIC RECORDS.

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 2022-09-21
Company: Sammamish Mortgage Company
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I began my mortgage shopping on XX/XX/XXXX. 

on XX/XX/XXXX i spoke with XXXX XXXX with Sammamish Mortgage I asked him to pull my credit to see if i qualify. XXXX refused, said he could do it the following day. I told him i didn't want to do it after today because i will be leaving the 14 day window for shopping. Outside of 14 days, if he pulls my credit it will have a hard ( negative ) impact on my vantage score. XXXX told me i have 45 days, but he is not aware that the 45 day window is only for XXXX, not XXXX. If i took steves advice, i would have a second hard incquiry on my XXXX XXXX which will affect my credit worthiness. 

It's important to properly educate customers that the 14 day shopping window is only for XXXX and the 45 day window is for XXXX. This can be indicator of XXXX, misleading the customer to get them to purchase a product.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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. The List of Accounts below Has violated my Federally Protected Consumer Rights to Privacy and Confidentiality Under 15 U.S.C 1681.

I had Four employer That had security Breach that Impact the Privacy of their employee XXXX, XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX & XXXX Account Number XXXX, HAS VIOLATED MY RIGHTS XXXX XXXX XXXX  Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX Account Number XXXX HAS VIOLATED MY RIGHTS XXXX XXXX Account Number XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX  Account Number XXXXXXXX XXXX XXXXXXXX HAS VIOLATED MY RIGHTS XXXX XXXX account Number XXXX, HAS VIOLATED MY RIGHTS 15 U.S.C 1681 Section 602 A. States i have the Rights to Privacy.

15 U.S.C 1681 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instruction.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumers report containing any of the following items of information Any other adverse items of information, other than records of convictions of crimes which antedates the report-by more than seven years.

15 U.S.C 1681s-2 ( a ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-23
Company: EQUIFAX, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing to formally dispute and request the immediate removal of inaccurate information from my credit report. The information in question pertains to late payments that are inaccurately reported on my credit history. The inaccurate late payment information on my credit report is adversely affecting my credit score and overall creditworthiness. I believe that this information is in error and does not accurately reflect my credit history. I am seeking your prompt attention to rectify this matter. 
XXXX XXXX XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I kindly request that your bureau conducts a thorough investigation into the accuracy of the reported late payments and takes immediate action to rectify the inaccuracies. Please update my credit report accordingly to reflect the correct and accurate payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I never filed bankruptcy and its showing on my credit report XXXX not showing it but the other two are

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 2021-08-03
Company: EQUIFAX, 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:
I sent my documentation to EQUIFAX and they keep telling me that the information is verified but they have not provided proof by way of documentation to show that these are my actual debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I qualified for PSLF through 120 payments as of XX/XX/2022. I submitted my PSLF application for forgiveness on XX/XX/2022 and I received a response from FedLoan Servicing saying they would process my application in 30-90 days. It has been over 90 days with no response from FedLoans. I have called 4 times but the call disconnects whenever customer service attempts to transfer me to a PSLF specialist. The FedLoans website no longer says that my PSLF application is being assessed but I have no new payment counts or updates from FedLoans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Unexpected or other fees

Complaint:
I do not know if you can help me or not. I decided to say something after my mother was involved in a class actions suit and received a settlement for the same type of company. About ten years ago I signed up with a debt settlement company. I thing there name was XXXX XXXX. All I remember is that they took money every month and put it into an account at XXXX XXXX XXXX. They said they would settle my debt. I was told to have all my creditor 's contact them and they would handle everything. I paid a large sum every month and all I got was liens and a wage garnishment. When I told them I no longer wanted to work with them and wanted my money back that was being held in this account, I was told that the money was not refundable as it went to pay their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
I opened a business checking account and never received the debit card from Wells Fargo. I received emails that my card had been declined so once I called I found out my account was being used without my knowledge or permission. I called XXXX XXXX who would only give me an incident number and said Wells Fargo would investigate. However I have been getting the run-around with no solution and still no ability to use my business checking account. Wells Fargo has also been nothing short of unprofessional and grueling to deal with. I have documentation to support my claims. need help please

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 2023-08-03
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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2022-07-28
Company: General Motors Financial Company, Inc.
State: NC
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is hurting my credit score which is very important to me. I know you will understand me in this situation this is becoming a frustration to me. I don't know what's happening to my credit report and I don't how you guys come up to this conclusion and report it on my credit report. This is very stressful for me because I always pay on time. Under 15 USC 1666b this billing error must be corrected because I always pay on time this is clearly a discrepancy on this account which clearly violates the 15 USC 1666 ( b ). Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated in the law. 

XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I'm trying to downgrade my capital one spark business card to the capital one spark select card but none of the off shore overseas agents are ever able to help me out.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I reached out to HSBC US due to concerns about widespread account closures. I was assured by your representative, that my accounts ( a XXXX checking and a XXXX savings account, ending in XXXX ) were in good standing and there were no indications of them being subject to closure. 

Despite this assurance, I was shocked to discover that my accounts have been closed without any prior notice or explanation. This abrupt action by HSBC US has severely impacted me, as I recently attempted to transfer {$2000.00} to my Interactive Brokers account, only to find out that the transaction failed due to the closure of my HSBC account ending in XXXX. 

I am extremely concerned about the whereabouts and safety of my {$2000.00}, and I demand an immediate and detailed explanation for the following : 1. Why were my accounts closed without any prior notification, especially after receiving assurance of their good standing? 
2. What is the current status of my failed transaction of {$2000.00}, and how will HSBC USA ensure its safe return to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: OH
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:
Disputed numerous items with the credit reporting agencies that had incorrect information, accounts that don't belong to me, mixed report with someone else debt they continue to verify incorrect 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 non-monetary relief
Consumer complaint received 2022-09-21
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 being 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 investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/account/information below : XXXX XXXX  XXXX Open Date XX/XX/2015 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Resurgent Capital Services L.P.
State: IL
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:
In a good faith effort to resolve this matter amicably, I demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature in wet ink, as well as proof of your authority in this matter. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you, I must ask for the following information : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) 15 USC 1692 ( f ) and USC 1692 ( g ) in this alleged matter. 2 ) What is your authorization of law for your collection of information? 3 ) What is your authorization of law for your collection of this alleged debt? 4 ) Please evidence your authorization to do business or operate in the state. 5 ) Please provide proof of the alleged debt, including specifically the alleged contract or other instrument bearing my wet signature. You have 7 days of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all of your claims in this matter, and will entitle me to presume that you sent your letter ( XXXX  ) in error, and that this matter is permanently closed. Your continued silence is unacceptable. Either provide the proof or correct the record to remove the invalid debt from my credit files with the three-primary credit-reporting agencies. You are currently in violation of the Fair Credit Reporting Act and the Fair Debt Collection Act. I can't obtain housing or employment due to the violations on my credit file. Failure to respond within 7 days of this letter will begin my small claims action against your company. I will be seeking { {$5000.00} } in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act After obtaining the judgment against your company, I will obtain a Writ of Execution from the Sheriffs office in your county and I will begin the process of attaching property or funds to satisfy the judgment. For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-12
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-08
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have made this complaint about Comenity Bank probably XXXX times now. 
They have an unfair and unethical practice of reducing credit limits when they notice that you are paying down your balance. Example your balance is XXXX, you pay it down to XXXX, they lower your limit to make it look like you are maxed out. You pay it down to {$200.00}, they will lower it to {$100.00}. They claim its after a review of your account, but its false. Even if your score has not changed, they do this to purposely harm your credit. NO other credit card company does this to me. 
They claimed it was because my score lowered but theyve been doing this for years & I received a notification my credit score actually went up.

Please pull my previous complaint for the screenshots but this is the newest one I got. 
I did a little test run. I paid off my credit card with them. The limit was {$400.00}. I paid it off and today ( XX/XX/XXXX ) I received a letter saying they lowered it to {$100.00} after a review of my account. 
Meanwhile I received a credit alert saying my score increased so why did they lower it? Theyre purposely trying to ruin customers credits. This bank is so unethical and I think this practice itself needs to be stopped because I guarantee I am not the only customer they are harming.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: Experian Information Solutions 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:
I have submitted disputes to you and I didn't get a response within 30 days and ya 'll are required by law to do so. Please investigate my disputes, please. 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 non-monetary relief
Consumer complaint received 2022-06-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
My Chase XXXX XXXX XXXX XXXX doesn't show up in my Chase Account anymore under the login XXXX. It's just magically gone. 

I had XXXX points from a referral I did too. That's very convenient that the card does not show up anymore. If they terminated my account without cause then that's violating certain federal laws. I paid that card in full and built good history with it. 

In addition, I've been trying to get my card downgraded to the Chase XXXX XXXX XXXX card to avoid paying my annual fee for months and I've had no success. I want a refund of my annual fee that I paid last XXXX and a corresponding downgrade. Also I want to downgrade my Chase Sapphire XXXX card which I know is possible as well but none of your off-shore agents would work with me. 

1. Refund my annual fees on both those cards and downgrade me 2. Bring back my chase business ink preferred card back on my XXXX login as well as bring back my XXXX referral points 3. Downgrade the chase XXXX XXXX XXXX XXXX and please make sure I keep those points

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-30
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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