BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Last year i received several notifications that my information was exposed in several mass data breaches such as the XXXX  date breach and the XXXX data breach. In result of these breaches my information was used to open multiple fraudulent accounts. After requesting a copy of my credit report and noticing several fraudulent accounts listed on my report, I disputed the accounts via certified mail and have not received a response from anyone. I have been negatively impacted by this identity theft and request that these fraudulent accounts be blocked and removed from my credit report immediately which is in compliance to the FCRA section 605-B.

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 2023-09-04
Company: Experian Information Solutions Inc.
State: FL
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:
Accounts on my consumer report have been linked to identity theft, and I never provided written authorization, including a wet signature, for their inclusion. I recently communicated with your organization about this matter, and I am formally requesting the prompt blocking and removal of these accounts from my report. Their presence has caused significant emotional and financial distress, as they inaccurately represent my credit history and responsibilities. If this issue is not appropriately addressed, I am prepared to take legal action to protect my rights and seek resolution. These fraudulent items on my credit record have hindered my ability to achieve important financial goals, such as purchasing a home and meeting the needs of my family.

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 2021-09-20
Company: EQUIFAX, INC.
State: MI
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 have sent numurous documents to Equifax, XXXX, and XXXX and have not received a response. It has been past 30 days!!! When I call to check on each respected document with each bureau I am given the " run-around ''. I am being told that they have not received the documents and that I should just mail them again. I have since mailed these documents a grand total of 3 times, I am still given the same response, I have verified the address of each bureau and confirmed it with management. I have wasted numerous dollars and demand a grand total sum of {$1000.00} per each transaction and I demand that ALL items listed on each letter be DELETED from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: GREAT LAKES
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
i have a XXXX XXXX XXXX XXXX student loan. I just took a break from school going through financial hardship XX/XX/2016 credit report of a XXXX day missed payment for student loan debt hit my credit score. i attempted to call to see if this was true i was really unaware at the time and have speak about having this removed and lower monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Credit Bureau of Northern California Collections Services Inc
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Good Morning, Request for Deletion of Collection I hope this letter finds you well. I am writing to formally request the deletion of my charge-off, as per the terms of the Forward Follow Agreement that was previously agreed upon between your company XXXX XXXX  XXXX and Credit Collection Serv as outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the Collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process.

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within XXXX business days to comply with the terms of the agreement. 

Thank you, For your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-30
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: Was not notified of investigation status or results

Complaint:
Transunion and XXXX have not provided me information on how they verified my credit information on a bankruptcy that does not exist or belong to me on my credit profile. I sent certified letters to them on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have copies that they received my request, but no results or verification has been provided to me on how they got there 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 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
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 made my mortgage payments, on time, from my other bank 's bill pay service, as I had been doing for years. The bill pay service mails out physical checks. The 2 most recent payments, for whatever reason, did not get posted. I notified the bill pay service, and they eventually credited me for the missing payments. I made payments to Bank of America from a different method, but by the time I was able to do this, it was 30 days past the due date and Bank of America reported the late payment to the credit bureaus. I provided Bank of America with proof of my on-time payments, and Bank of America does not dispute that I actually paid on time, but they refuse to correct the report because the payments did not get posted. Bank of America seems to want me to explain what happened to the missing payments, but I can only guess that they may have gotten lost in the mail, or lost by the payment processing office. These are all things out of my control. I can only control making the payments. Bank of America should not blame me for not posting the payment that I sent.

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 2023-04-11
Company: HOUSTONIAN MORTGAGE GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Westin home in the XXXX XXXX Texas We recently was looking on website in the marketing to buy a home So l contacted the Westin office in the XXXX  and sales Rep XXXX XXXX came and opened the door to the home we wanted to toured So after touring we contacted XXXX XXXX and he stated that other buyers was interested in the home did we he used the word wanted to go in a bidding war we stated no So after waiting a week l called him again and asked did the other potential buyer come through with his down payment he stated no l then at that point said we was interested still in the home appeared XXXX XXXX XXXX didnt take me seriously So he was at the corporate Westin home office in XXXX Texas and we have been trying to contact them and no response l onces again call XXXX XXXX XXXX thats we was still interested and l stated to him did he have a realtor is said you do after speaking to him l contacted a realtor and then l advised through text to XXXX XXXX XXXX thats we have a realtor and l have given the realtor his number but she said he never responded so l personally text XXXX XXXX XXXX that my realtor was trying to reach to him he never responded so our realtor reached out to a person she knew thats work over in the XXXX Texas office so XXXX XXXX XXXX prepared our contact we signed and thought its was going for review but XXXX XXXX stop the sales before he said we was his potential buyer but XXXX XXXX never put the potential Buyers name in the system because we think because of our XXXX XXXX  XXXX XXXX XXXX didnt believe we were able to afford this home he didnt not and now these two sales rep thats work for Westin are bickering over the sales commission and not interested in Westin XXXX to the buyer so why the two sales rep are bickering over the commission we saw thats this passed weekend its was a open house on the home again and XXXX XXXX XXXX have yet submitted our contract because of the sales commission We would like for Westin to know whats type of sales rep they have working in their office

Company response to consumer: Untimely response
Consumer complaint received 2018-06-04
Company: GOLDMAN SACHS BANK USA
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XX/XX/2018 - I tried to log into my account at XXXX / Goldman Sachs Bank USA, and was given a screen with new types of agreements that I had to digitally sign. The company would not allow me to get into my account until I signed all of these agreements. One of the agreements they required me to sign was an Authorization to monitor my credit reports whenever they wanted to. There was no way for me to agree to other agreements that make sense ( Privacy agreement, ACH authorization, etc. ) without agreeing to allow them to monitor my credit at any time. I view this as an Unfair, Deceptive or Abusive Act or Practice under Dodd Frank. A company should not condition my access to my online account on signing an authorization to monitor my credit at any time. I would like XXXX / Goldman Sachs Bank USA to discontinue this deceptive practice as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting 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 has violated my rights.please see attached account number as follows # XXXX 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

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 2023-07-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
The following inquiries was not authorized by me : XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX XXXX  Account # XXXX, has violated my rights. 

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

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 2023-06-05
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had debt from Conns I went online and it said the payoff was XXXX and a past due balance of XXXX. I paid the XXXX on XX/XX/XXXX. My bank posted payment on XX/XX/XXXX. They say they received it on XX/XX/XXXX but I am getting calls and e-mails that I owe XXXX dollars. They will not resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-17
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
On XX/XX/2020 I settled with Citibank over a charged off card with a balance of {$8200.00} for {$3200.00}, account XXXX. I paid this on XX/XX/XXXX, confirmation number XXXX. 
On XX/XX/2020 the payment cleared my bank. Citibank then reported an updated balance and negative status to XXXX, XXXX, and XXXX credit bureaus. I called Citibank on XX/XX/XXXX and XXXX, and XX/XX/XXXX asking them for a letter saying I had paid the settlement, and they refused, telling me to call back in 52 days. In XXXX, they continued to report negative information to the credit bureaus. On XX/XX/XXXX, XXXX. and XXXX, I faxed letters to Citibanks Credit Dispute Department requesting they correctly update the bureaus, because I feel they are in violation of FCRA 623. The account should be reporting settled, paid for less than full with a {$0.00} balance. Citibank reported to all three bureaus I was disputing the validity of the account, which I was not. They proceeded to add and remove comments such as " sent to collections and {$0.00} written off ''. After calling all 3 bureaus on XX/XX/XXXX, the disputes were removed. Citbank then reported the account negative again on the XXXX and XXXX of XXXX, adding and removing the dispute comments. I feel Citibank is being deceptive and reporting inaccurate information to the bureaus. Please see the attached settlement letter and bank statement showing payment.

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 2023-04-11
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( XXXX XXXX XXXX XXXX XXXX ) I have contacted creditor XXXX XXXX to update new address please remove. There should only be one address listed on my report, which is { XXXX XXXX XXXX XXXX XXXX, AZ XXXX }. I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : ( Incorrect Names ) XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Please remove inaccurate numbers as well as listed below : XXXX. XXXX Once you have deleted the inaccurate names, addresses and numbers from my credit report, please send me a copy of my updated report. 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 2019-08-27
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
In response to my prior complaint through cfpb, CITI cards sent me a letter dated XX/XX/2018 apologizing for the confusion with my account and agreed to uphold our payment arrangement. They advised me that they would be writing my balance off at the end of the year. I went to help my son get a loan for his car and it was brought to my attention that my credit score had dropped significantly, more than 100 points from the 700s to now the 500s. In reviewing my credit report I found that sometime earlier in the year CITI not only dropped my credit limit affecting my credit utilization and credit score, but also started reporting my account delinquent affecting my credit score. I called CITI several times and about a week ago spoke to someone/manager who acknowledged that this should not be happening and he would get corrected. As recently as today, the account is showing 60 days delinquent, which is not the case per our payment agreement. 
I want my credit restored. If CITI is going to write off the debt which will likely affect my taxes, then I do not also want to be hit with the terrible effect on my credit. In the last few months I went from good credit to poor credit which is not reflective of the type of consumer that I am. It is unfair and I don't think that any company should do that to a customer. Really disappointed with CITI cards once again.

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 monetary relief
Consumer complaint received 2023-09-20
Company: Experian Information Solutions Inc.
State: NJ
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: Investigation took more than 30 days

Complaint:
sent a letter out on XX/XX/XXXX to Experian, XXXX, and XXXX regarding to student loans paid off and very old accounts and request for deletion because its holding me back from getting ahead along with investigations for bankruptcy. However its been more than 30 days and the credit bureaus failed to send my investigation back. I XXXX  been going back and forth with this since XX/XX/XXXX. This is not making any sense. XX/XX/XXXX I have also sent a letter to the court asking if they report bankruptcy to credit bureaus and they sent me a corresponding letter stating they do not report to credit bureaus. 
According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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