BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
About a month ago, I received notification from Citizens One Home Loans that my COVID-19 loan forbearance plan was ending. I logged on to the loan servicing site, where I requested an extension of the forbearance period due to continued hardship, as is detailed in the CARES Act. Today, XXXX/XXXX/20, I received a letter stating that I am behind on my payments and required to pay over {$5000.00} by XXXX. When I first filed for forbearance, the request was processed immediately. Now, after several weeks, the servicer is displaying a message that my request is " under review. '' I believe that the servicer has deliberately delayed my request as an attempt to pressure me into paying the entire amount, even though the CARES Act states that I can extend the initial forbearance period for up to another 180 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-11-02
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; 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 non-monetary relief
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts from my credit report : US DEPT ED XXXX Balance : $ XXXXUS DEPT ED XXXX Balance : {$28000.00} XXXX XXXX Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-27
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:
XXXX XXXX XXXX XXXX ( XXXX ) has informed me that I was denied for a loan due to the fact there was a previous personal loan charge off that was paid in full. However, I have no knowledge of such a personal loan. This personal loan dates back to either XXXX or XXXX. Currently, XXXX utilizes TransUnion to view customers credit reports. However, there is no report of such an account on my credit report. Also XXXX has this charged-off account listed on my internal XXXX  profile XXXX which is utilized to determine me for future loans with the bank. It has been well over seven ( 7 ) years, and this account is still being utilized to determine my eligibility for future loans with the bank. I have also launched a fraud claim with XXXX, as this is an unknown account to me. The account that is associated with XXXX is for a personal loan in the amount of {$1000.00} dating back to either XXXX or XXXX. 

XXXX has informed me personally that they are maintaining this information within my XXXX profile, due to the fact this information is being obtain from TransUnion. The issue I am having is that this information within their internal system from an account that is over 7 years old and is being pulled from a TransUnion 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 2022-02-17
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was denied an apple credit card on the date of XX/XX/XXXX through the bank Goldman Sachs which is extremely inconvenient due to the fact I am the original creditor pursuant to 15 U.S.C. 1692a ( 4 ). I know that it is unlawful for alleged creditors to discriminate to consumers in the midst of a credit transaction pursuant to 15 U.S.C. 1691 ( a ). I am aware of the duties of the bank taking adverse action, the XXXX was unable to provide me with specific information regarding why the adverse action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: Experian Information Solutions Inc.
State: MA
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 the several times I've complained about the inaccurate Items. Below the listed Items that need to be update or fixed. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2022-07-13
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:
It appears that my credit file has been compromised. I was going through my records & noticed many files which do not belong to me. I found out that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any item which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for your and the bank 's records ( learned through more research both parties require ). Please remove these files. If XXXX, Equifax and XXXX feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If no records are provided & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX LA XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX US DEPT ED XXXX Balance : {$5000.00} US DEPT ED XXXX Balance : {$6200.00} XXXXXXXX XXXX XXXX Balance : {$9800.00} XXXX  Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 transunion 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXXXXXX XXXX XXXX  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 2023-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Bank of America was not applying our payments to our Loan. This was proven by our Payment Histories. This is the same thing about the Origination date. We built our house in XXXX. That's the Originated date, not XXXX. The biggest FRAUD!! took place during the Closing of refinance on XX/XX/XXXX with my husband XXXX XXXX XXXX. The Closing took place around XXXX XXXX  that night. He had just gotten off from work and when he walked in he was expecting XXXX. My husband was never told that XXXX XXXX  was refinancing the Loan. He was never told Bank of America was during the refinance. My mother was in XXXX XXXX on life support and I didn't go with him. It was him and a XXXX lady just the 2 of them. He said the Document Wavier of Borrower 's Rights was never explained. A document that allowed Bank of America to take our house anytime they wanted to. NO!! he said he never heard that statement before and he would have never signed a statement like that. Some of the documents that I have copies of HUD 's Loan numbers and Case numbers are blacked out except for the last 4 digits. On some of these documents. My original copies are not blocked out. I filed a Lawsuit against discrimination against XXXX XXXX in XXXX. My family was XXXX. The next thing that happens was my husband worked at XXXX XXXX. He got a call and they told him to bring the train in. They said my husband ran a signal and the camera didn't take a picture, it was broken. The conductor didn't call a signal. That's the person who calls out the signal. They suspended my husband for 2 years. He went back to the tractor-trailer driver. The conductor went back to work in 2 weeks. 
My husband was an Engineer with XXXX XXXX. He was bringing XXXX {$7000.00} a month. He was employed there for 10 years. I also discovered this house was in foreclosure twice in XXXX and XXXX. I also found out you don't have to go through the foreclosure procedure you can put it in without notice. We built this house in XXXX the FHA XXXX no. is XXXX. This is a new construction in XXXX XXXX XXXX XXXX XXXX XXXX Sun XXXX Mortgage XXXX XXXX We never miss a mortgage payment. Bank of America would not allow HUD or XXXX to help us find the problem with this Loan. XXXX and XXXX XXXX will pay to have a Forensic Auditor to Audit this LOAN

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 2023-08-02
Company: Experian Information Solutions Inc.
State: NC
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
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 Balance Owed : {$0.00} ; XXXX XXXX  Balance Owed : {$130.00} ; XXXX XXXX  Balance Owed : {$7600.00} ; XXXX XXXX  Balance Owed : {$290.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$1300.00} ; XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1200.00} ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XXXX Bankruptcy Reference # XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX Balance Owed : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: EQUIFAX, INC.
State: NV
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$280.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
My only name should appear as XXXX XXXX XXXX my SS XXXX my DOB is XX/XX/XXXX please remove any variation on my name and SS #. 
This is the 2nd or 3rd time I have file a complaint .I recently started looking over my credit report and I found accounts and addresses that I do not live at on my credit report. I have requested the following companies send me legal documents that verify name address who, what, where, why, when where these accounts opened. I didnt receive any response back. The following account are not mine : XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX # XXXX****, XXXX XXXX XXXX XXXX XXXX****, XXXX XXXX # XXXX****. 
There is a bogus SS number on my XXXX report XXXX XXXX ) Trans Union has These are the unknown addresses on my credit report : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I was told to file a police report and a FTC report.

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 2023-03-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I sent a dispute to all 3 credit bureaus to remove a medical bill that is less than {$500.00} from my credit reports and they have not removed the debt nor closed the dispute. The dispute has been open and ongoing for several weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. As expected, CFPB and TRANSUNION have disregarded my request AGAIN for the DELETION of the accounts below which are not mine. I am so baffled by this situation! You guys seem like a lot of passing the blame or no accountability. Well, whatever the reason, I'm beyond bothered. I have provided everything you need from my personal information to my FTC which I have filed, but nothing has changed.I also contacted the banks and they agreed to not report the accounts on my file BUT TransUnion has some internal block which they're claiming they can use to not block the accounts because they feel they're above the law. When asked why they're not accepting the FTC report they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why. Now tell me, are playing around?! Coz let me inform you that you are NOT COMPLYING with the law. Pursuant to FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. And where are those proofs? NONE! You have provided ZERO VERIFIABLE PROOF! I dont want to be so nasty, but please FOLLOW THE LAW! COMLY WITH IT AND DELETE THESE ACCOUNTS INSTANTLY! 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-08-02
Company: Experian Information Solutions Inc.
State: AR
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:
I am sending a complaint regarding inaccurate accounts on my credit report that was still reported in despite of my previous request and kindly request your assistance in getting them to correct. The inaccurate accounts are negatively affecting my creditworthiness and financial well-being, and I have been unsuccessful in resolving the matter with the credit reporting agency directly. I never been late in paying and with this, I have attached my supporting documents for your reference, including correspondence with the credit reporting agency. This account should be corrected : XXXX XXXX  XXXX Balance Owed : {$910.00} ; XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX Balance Owed : {$370.00} ; DEPT OF EDUCATIONXXXX XXXX Balance XXXX {$13000.00}.

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 2019-10-24
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft

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