BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2019-06-05
Company: Exeter Finance Corp.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Exeter finance charge off account I have been trying to get this account off my credit because I believe the bank didnt report a lot of payments I made on time which I paid 26 percent of this loan. I also made 49 percent of my payment on time but it doesnt show that I made any payment on time!. Under the fair credit act, section 604 this a violation. I request for this account be removed from my account. Also affecting me from applying for credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: IN
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 listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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: Bread Financial Holdings, Inc.
State: HI
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:
I have signed up for the XXXX credit card a few months ago. 

One of the main reason I signed up was for the two bonus offers : 1. A {$50.00} XXXX gift card for sign up bonus 2. A {$75.00} Free game for spending over {$500.00} I received my first bonus offer, for the {$50.00} gift card but not the second one.

I have reached the {$500.00} threshold several times for the last 3 months since I received the card but they still will not give me my bonus offer I have reached out to the company several times and all I receive is a automated message telling me the qualifications of which I already know what the pre-requisites are I also tried calling and they told me to wait. Why it takes 3x months to receive a sign up bonus is beyond my understanding.

I have never had so much difficulty receiving a sign up promotion. 

I hope by reporting this issue, something shall be done. 

Thank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-25
Company: EQUIFAX, INC.
State: CA
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 fair Credit Reporting act XXXX XXXX XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Experian Information Solutions Inc.
State: CA
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 fair Credit Reporting act XXXX XXXX XXXX account has violated my rights. 15 USC 1681 Section 602 states i have the right to privacy. 15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666b : a creditor may not treat a payment on a loan under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-30
Company: EQUIFAX, INC.
State: MN
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 want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-04
Company: AMERISAVE MORTGAGE CORPORATION
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
To Whom It XXXX Concern, My name is XXXX XXXX XXXX XXXX and I'm a XXXX veteran, my wife and I are on a fixed limited income. I'm writing you to see what legal recourse I have with my current lender XXXX XXXX. I purchased my home located at XXXX XXXX XXXX XXXX XXXX WA XXXX on XX/XX/XXXX. My original mortgage amount was {$2800.00} per month and then I was notified in XX/XX/XXXX that my monthly payments were going to go up to {$3300.00} due to XXXX underwriting had made an error in calculating the property taxes and not having enough money in escrow, therefore my mortgage would be increased. I'm a! 00 % XXXX veteran and do not work, my wife and I are on a fixed income, and we planned the purchase of our home with a specific budget, and we can not afford to pay another {$490.00} extra per month. We were explained in XX/XX/XXXX that this increase would only be for one year and then go back to the original monthly payments, but we are now being told that the increase would be for the life of the loan. I need to understand what legal rights I have regarding this drastic increase due to their mistake. Thank you. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: CA
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:
Hello, my name is XXXX XXXX, I am a victim of identity theft. According to US Code Title 15 - Commerce and Trade, Chapter 41- Consumer Credit Protection - Subchapter III - Credit Reporting Agencies . You are required to remove this information from my credit report within 4 days. If this information is not removed, I will escalate this to the Federal Trade Commission. See attached US CODE : Also under US Code : 15 U.S.C. 1681i ( 2021 ) : Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller.

This code was not met as well, please have each reseller provide proof of receipt or these items MUST be removed immediately. Original dispute did not meet FCRA and US CODE Title 15 U.S.C. 1681i rule for timeline. 

XXXX Complaint ID : XXXX XXXX Complaint ID : XXXX By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. ADDITIONALLY, original complaint IDs were not responded to in accordance to US CODE and the FCRA timeframe. 


FRAUDULENT ACCOUNT : Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX CACS CC Account Number : XXXX, Account Name : XXXXXXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX Account Number : 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 2023-03-30
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
( CHASE BANK ) Between XXXX XXXX i received and email notification stating my email address and telephone number has been updated. 
Which i never authorized nor gave anyone permission to change my information. 
Ive been using the same email address and phone number for the last 10 years and still havent changed all of a sudden im received multiple emails in regards to all my financial accounts that the email address has been changed to XXXX And tel number changed to ( XXXX ) XXXX. 
That is not me these are the evidence the fraudster left behind. 
My phone number ( XXXX ) XXXX and email address XXXX is the information i been using and havent changed it but ever since i lost my wallet with including my ca  driver license ive been dealing with so much stressing fraud cyber hacking attacks i have proof of when and where the date when i opened the bank account with chase i also have chase private client accounts along with 2 companys buissness accounts with chase i have supporting documents such as opening agreements if you look back into history you will see my email adress and phone number and user id and pw all has been updated to another information that i have no clue about this is my hard earned working personal accounts woth buissness accounts that all have been compromised and when i call customer service the fraudster had set a verbal password so when i call the customer service is not beliving me and truly listening to what information im stating. The fraudster recently reordered all my credit cards and debit cards personal to buissness and the using my accounts and i have a family to support and a buissness to run XXXX XXXX XXXX XXXX XXXX XXXX  XXXX is the buissness chase account i own but have no access to it i have close to XXXX XXXXXXXX in just that account i have no online access to it ever since fraudster changing all my information ive stepped into branch and spoke to fraud dept but still no help..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: MD
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 MD XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed 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 non-monetary relief
Consumer complaint received 2023-04-14
Company: Payward Ventures Inc. dba Kraken
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Unexpected or other fees

Complaint:
XXXX On XXXX, XXXX  XXXX, I sent XXXX dollars to Kraken XXXX On XXXX  XXXX I received their notification that my funds could not be deposited > I asked for that money to be returned to my account, the one where the funds came from XXXX On XXXX  XXXX, Kraken informed me that my bank had bounced the money back > They deposited in my Kraken acc XXXX dollars >I asked them about the other XXXX missing >Their response was that there were some fees included XXXX I asked them to either return my money or give me valid and legal proof of all the fees in the way > They are saying that they can not get that -Attached : Email thread and proof of deposit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NC
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:
I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life. My Information was also impacted by the XXXX data breach and may have got into the hands of the wrong person .... In the recent investigation brought upon XXXX, I found that my consumer file is being irresponsibly tampered with. Over the past 6-12 months I made several attempts remind them of there duty pursuant 15 USC 1681 . I feel they are intentionally and willfully being neglectful in my request. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my consumer report based on Federal law. This is another attempt to have these errors corrected. 15 USC 1681i ( A.5 ) states after the reinvestigations all of the unverified information must be promptly removed and blocked.

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 2023-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I opened an account with Bank of America in XXXX and have an ongoing relationship with them. I have made it a goal to make payments on time. There was a point in time where I had a mishap and unfortunately made a late payment in XXXX, I was affected tremendously by Covid. Since then, and even before, I have always made timely payments. I am asking for a goodwill gesture based on the standing relationship I have had with your company for the last 6 years. This one late payment is causing me extreme hardship. I am hoping that Bank of America can submit a Universal data form ( AUD ) to the credit reporting agencies requesting that they remove the late payment in XXXX of XXXX. I have really enjoyed doing business with Bank of America and a quick look over my account will show that I was always on time. I would greatly appreciate this goodwill gesture. I am hoping to hear a favorable outcome from Bank of America. Thank you for your time.

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 2022-10-29
Company: Experian Information Solutions Inc.
State: TX
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 confidentially under 15 USC 1681. 

Account XXXX Bank XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX acct number XXXX XXXX XXXX ( XXXX ) acct number XXXX Original Creditor acct number XXXX All accounts have violated my rights 15 U.S.C. 1681 section 602 A States I have the right to privacy 15 U.S.C. 1681 section 602 A Section 2 it also states a consumer 's reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make my consumer report containing other than records of convictions of crimes

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 2023-01-21
Company: EQUIFAX, 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:
My XXXX XXXX credit card inaccurately continues to report my account as OPEN despite the fact that my account was CLOSED by Consumer almost 60 days ago in willful violation of the FCRA which requires PROMPT reporting to every CRA when an account is closed. Closure should have simultaneously updated the Closed status using XXXX XXXX so XXXX XXXX is NOT XXXX XXXX Compliant as the account was required to be reported as Closed almost 2 months ago. I ask for {$1000.00} in statutory damages for Wilful Violations of the FCRA for continuing to report my Closed account as Open.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: EQUIFAX, INC.
State: LA
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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
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:
An account from XXXX  XXXX XXXX Account # XXXX is reporting on my Experian report. I bill that they mailed me is in violation of U.S.Code 1692 b 1692b ( 5 ) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; and FDCPA Discussion. 

I am attaching a copy of the bill as proof, and furthermore I have already verified with the hospital that this is a billing error. They have made it clear that the patient was in fact covered at the time of this hospital visit. This error on my report has caused my business much harm and XXXX should know that if this item is not removed I will take legal action. A copy of the FCRA is also attached as you will find this error is also in violation of many codes listed.

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