BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-07
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
A credit card was opened in my name from XXXX XXXX through Comenity Banking. I sat through a timeshare program through XXXX XXXX XXXX. shortly after returning home from XXXX XXXX, I received a letter in the mail stating that my account is ready to be viewed. However, I never opened a credit card through comenity. I have yet to " set up my account '' online, as i am afraid that it will then start collecting interest on something that I didn't do/want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-26
Company: CrossCountry Mortgage LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have received a letter in the mail regarding updated hazard renewal for my homeowners insurance policy. Cross Country Mortgage HAS NOT PAID the remaining balance to the insurance company. I reviewed my documents and the homeowner 's insurance should have been paid from my escrow account. I called customer service on XX/XX/2022 and was put on a 3 way call with with the customer service representative from Cross Country and XXXX insurance. I was informed to pay the remaining balance and cross country will pay and I would receive a refund. I sent the cancellation notice with a receipt and I haven't received reimbursement. I called on XX/XX/2022 and talked with a rude customer service representative at Cross Country. She stated, " you have said escrow account 3 times and was shouting into the phone ''. I told her I can't talk to you shouting in the phone and I hung up. I have reported Cross Country to the Consumer Finance early this year for failing to pay my property taxes on time. This company is pathetic when it comes to paying property and insurance fees on time. Cross Country Mortgage is not reliable and does not seem to be concerned with customers mortgages or finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Received card XX/XX/XXXX. Use card XX/XX/XXXX via XXXX XXXX in person for groceries. Used card via XXXX XXXX online on XX/XX/XXXX ( XXXX XXXX ). The card 's initial amount was {$400.00}. There is a balance remaining of XXXX. Tried to use the card on XX/XX/XXXX online at XXXX ( purchase declined ). Attempted the XXXX XXXX purchase of {$240.00} in person ( XXXX attempts ) using XXXX. The payment was declined. The same day, XX/XX/XXXX I attempted to use the card at XXXX in XXXX XXXX since I was able to use the card at this location on XX/XX/XXXX for {$86.00}. Make 2 attempts, payment method declined. The customer number on the back of the card does not give you a live person. XXXX a different number and was able to speak to a person who said that my card was active and showed a remaining balance of XXXX. He was unable to explain why an active card with a remaining balance continued to be declined. He continued to read irrelevant information that was scripted. Note the declined charge did not show up on the statement. However, I attempted online on XX/XX/XXXX and that charge is pending, I asked for a written response via email. Through research, I see this is not an uncommon issue with AMEX gift cards or the awful customer service

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-07
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
Regarding complaint - XXXX Equifax stated they verified all information was accurate. 
My question is how was this information verified. What was Equifax method of verification. 
I need to know if Equifax followed reasonable procedures to verify my information, which is fair to me as a consumer, with proper regard to confidentially, accuracy, relevancy and proper utilization of the credit report Equifax is still reporting late payments Non public personal information is supposed to be excluded from my credit report, this includes transaction between myself and the furnisher. 
This is a violation of code 18 usc 894 I demand Equifax provide a agreement between me and them stating that I gave them permission to furnish any information on my behalf. 

I need proof of all of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2023-08-23
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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXXXXXX XXXX XXXX : {$730.00} XXXXXXXX XXXX XXXXXXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2022-12-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I am filing this NEW Complaint because Wells Fargo Home Mortgage FAILED and/or REFUSED to Answer OR Explain the following things I pointed out in my previous Complaint that was submitted on XX/XX/XXXX > COMPLAINT ID # XXXX As well as this COMPLAINT ID # XXXX that I Submitted on XX/XX/XXXX and closed on XX/XX/XXXX >.Here are the following 3 Points they NEED to Answer Completely and Fully >POINT A ) Qualifying for a Home Equity Account with XXXX XXXX In Wells Fargos XX/XX/XXXX XXXX to me they state that and I quote We have found No evidence of you not qualifying for a Home Equity Account with XXXX '' They found the XXXX XXXX XXXX XXXX account XXXX which was rebooked with a new loan number XXXX and paid in full plus the XXXX XXXX recorded on XXXX XXXX... .The problem with that explanation is this : Wells Fargo FAILED to Explain that Under XXXX XXXX Policy I Could NOT be eligible to apply for a Home Equity Loan as a Borrower in the first place because of these 2 ( TWO ) Reasons >> 1 ) I did NOT have a Checking and/or Savings Account with XXXX XXXX And 2 ) My Income was BELOW their minimum requirements ( The Minimum Income required to Open a Checking OR Savings Account was XXXX a year BUT my gross yearly Income for XXXX was XXXX!!! XXXX XXXX XXXXI NEVER had a Checking and/or Savings Account with XXXX XXXX ! ! My account was and STILL is with the XXXX XXXX XXXX XXXX XXXX North Carolina ( XXXX ). The Account XXXX # XXXX in which the back of the copies of the endorsed processed checks show & Prove this point clearly! ! XXXX XXXX FILES Attached> I was ONLY a Power of Attorney ( POA ) with XXXX XXXX POINT B ) Home Equity portion sold to XXXX XXXX XXXX XXXX In XXXX XXXX XX/XX/XXXX letter to me they state that and I quote We have found No evidence of a Loan being sold to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX loan Well here is the Evidence/Documentation XXXX XXXX XXXX  FILE Attached> And POINT C ) > They did NOT show me a copy of the Original XXXX XXXX Loan Document that would show my signature as the Power of Attorney IS underneath my XXXX signature therefore proving I was NOT a Primary Co-Borrower. INSTEAD They sent me these Forged Switched copies of the Deed of Trust and the XXXX XXXX XXXX Note> Here is PROOF of Forgery > SEE XXXX FILE Attached> That is just a sample. If necessary I CAN show other examples of this 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 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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, XXXX XXXX XXXX, the consumer and original creditor am requesting that said company provide to me as the consumer to which this report pertains to, the audit trail and any written PERMISSIBLE PURPOESES THAT I SENT TO VALIDATE THESE INQUIRES

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
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 the fair credit reporting act XXXX XXXX XXXX account # XXXX, has violated my rights. 

15 u.s.c 1681 section 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 instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Truist Bank is incorrectly calculating the interest and principal portions of my fixed rate 20 year term amortizing HELOC. I have repeatedly contacted them both on the phone and in person at a branch location. Each time, they say they will look into it and get back with me but so far nobody has contacted me back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX is discriminating against me as a XXXX XXXXXXXX XXXX and my Account ending in XXXX has not been updated on my Credit Report as " Settled '' within the Payment Status area to properly update the " algorithm data '' which calculates your Credit Score. The XXXX Account has been paid and Settled. 

I also contacted XXXX XXXX XXXX, XXXX on last week on or about XX/XX/22 who received and processed my payment for {$690.00} on XXXX and stated they notified XXXX to update my credit reports once the Payment had been processed. However, XXXX has not updated my XXXX Account or Equifax account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
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:
My complaint is about EXPERIAN BUSINESS CREDIT Address XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX The above company placed an inquiry on my Experian Credit file without my consent. 

Please see below. I am victim of identity theft, this has been reported to the 3 major credit bureaus and law enforcement, a security alert is on my credit files see addendum below.

ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2023-10-03
Company: Experian Information Solutions Inc.
State: TX
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent them copies of my police report I have tried to challenging it on line through credit reporting companies but they insist that it stays I have asked for validation of debit but have not received a copy of the contract with my signature as stated in texas state law and they are charging more every bill sent to me and with that they are breaking texas state law again charging more than face value of the bill and they have broken the law by purchasing the debit from a vendor or directly from XXXX XXXX they also keep moving the closed date in attempt to keep the file legally active

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My consumer rights are being violated with this inaccurate information! I have a right to be treated fairly by those who control it, so please provide me all available details on how they came up short in their responsibilities towards accuracy and compliance.I am officially challenging you to review your data on file for me! With the Fair Credit Reporting Act ( FCRA ) section 611 ( 15 U S C 1681I ) and Metro 2 compliance standards, I challenge all inaccuracies or deficiencies of reporting.The credit report I received was not accurate, which surprises me because you should be adhering to the FCRA and applicable Metro 2 data field formatting standards.OK, so here 's my challenge for you : Make a document that shows all of the evidence and sends it to me. It should be verified, complete with sources! The 2020 XXXX states that any deviation from these standards jeopardizes the integrity of data. This is a serious issue! The integrity of your data could be compromised if these standards aren't followed.The report you sent me is not accurate. Are you sure that all of the information is accurate and properly formatted? The below-noted claims are disputed and have not been confirmed as facts.Please take care of any false accounts on my credit report. I am requesting that you fix this issue as soon as possible because it will affect me financially in the future if left unchecked! I can't live with anything less than 100 % accuracy on my credit report. I want only factually accurate, verified and compliant data documented in it!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-07
Company: EQUIFAX, INC.
State: MS
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-09
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I received a {$10.00} prepaid XXXX from XXXX XXXX operated by XXXX. I had trouble using it. It expired in 2020. When I call or login they say the expiration is invalid so I can not view the history. 

I never agreed to any terms of service with this card and I have no record of using the {$10.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: EQUIFAX, 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:
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 USC 1681.

has violated my rights. Or list of inquiries 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item 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 response to consumer: Closed with explanation
Consumer complaint received 2022-06-29
Company: Experian Information Solutions Inc.
State: NC
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:
The credit bureaus stated XXXX XXXX was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, date last reported is not accurate, Number of months is not accurate, and account status is not accurate. This is ground for removal. They also violated my rights under 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 reporting agency can not furnish a account without my written instructions They also violated my rights under 15 U.S.C 1681 section 611 ( 5 ) ( a ) ( l ) ( ii ). The law clearly states if items are found inaccurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer.

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