BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-09-08
Company: Experian Information Solutions Inc.
State: LA
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 sent EXPERIAN, XXXX, and XXXX letters ( XX/XX/2023 ) to do an investigation of accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and other accounts that was removed after the investigation. I received the results of the investigation from XXXX ( XX/XX/2023 ) XXXX ( XX/XX/2023 ). I never received no paperwork from EXPERIAN. I mailed out METHOD OF VERIFICAION letters CERTIFIED on XX/XX/2023. XXXX # XXXX, EXPERIAN # XXXX, XXXX # XXXX. I am attaching all evidence of inaccuracies to my consumer report., investigation results of being modified and verified data, tracking docs, failure to respond that was sent out CERTIFIED ( XX/XX/2023 ). 
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately. According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission. According to 15 USC 1681 I have the right to privacy. According to 15 USC 1681s-2 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. ( B ) Reporting information after notice and confirmation of errors. A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. I can go on and on. The credit bureaus have no respect for the laws. Someone needs to hold them accountable for this

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 2022-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
To Whom it may concern : Good Day, My name is XXXX XXXX - an Identity Theft victim of the 2017 XXXX Data Breach - and I am contacting you to uphold my rights as a U.S. Citizen in accordance with the Fair Credit Reporting act. 
- - The List of XXXX Accounts below have Violated my Federally Protected consumer rights to Privacy and Confidentiality under 15 USC 1681 listed below : 1. ) XXXX XXXX XXXX = Account # : XXXX XXXX. ) XXXX XXXX = Account # : XXXX XXXX The Above XXXX Accounts have violated my Rights as per the following Laws :. 

~ 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. 

Thank you dearly for your diligence and 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 2018-05-17
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
ACS has changed names/ownership with no notification. Now I can not log in to the new company to pay my bill.

ACS was acquired/merged with Conduent, and now I cant log on to pay my student loans. I have been paying on time since I started in 2014. I tried logging in to pay, and it kept saying the action was unavailable at the time. When I tried contacting them via the Contact Us form, it requested my SSN and then said I did not have an account with them. When I tried to register again, it said I DID have an account! I live abroad, so I cant be wasting additional money trying to call and being placed on hold for a ridiculous amount of time.

These are the issues that I am having!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
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:
To Whom it may concern : Good Day, My name is XXXX XXXX - an Identity Theft victim of the 2017 XXXX Data Breach - and I am contacting you to uphold my rights as a U.S. Citizen in accordance with the Fair Credit Reporting act. 
- - The List of XXXX Accounts below have Violated my Federally Protected consumer rights to Privacy and Confidentiality under XXXX USC 1681 listed below : 1. ) XXXX XXXX XXXX = Account # : XXXX XXXX. ) XXXX XXXX = Account # : XXXX XXXX The Above XXXX Accounts have violated my Rights as per the following Laws :. 

~ 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. 

Thank you dearly for your diligence and 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 non-monetary relief
Consumer complaint received 2018-12-15
Company: EQUIFAX, INC.
State: IL
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:
There's currently two accounts on my credit report inwhich the contract has been cancelled, I absolutely have no contract nor obligation to the following company, ( 1 ) XXXX XXXX XXXX,XX/XX/2018, {$130.00}, {$150.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have subscription accounts with both Transunion and XXXX Credit Bureaus ( CB ). XXXX CB keep sending me invitations to purchase a subscription from them, but I reason that 2 subscriptions to 2 credit bureaus are enough. Interestingly, all 3 CBs are leaving the status of the following school loan accounts the same, for example : 1. XXXX XXXX XXXX XXXX XXXX, PA XXXX. XXXX XXXX {$47000.00}, Date Opened : XX/XX/XXXX : Account number XXXX. 
2. XXXX XXXX Account # : XXXX | XXXX XXXX Date opened : XX/XX/XXXX for {$60000.00} 3. XXXX {$83.00}, XXXX. ( was {$26.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX || ( XXXX ) XXXX 4. XXXX {$100000.00} ( was {$33.00}, XXXX ) Date Opened : XX/XX/XXXX. XXXX XXXX A/c # : XXXX 5. XXXX {$79000.00} ( was {$25000.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX 6. XXXX {$16000.00} ( was {$5300.00} ) Date Opened XX/XX/XXXX. XXXX XXXX A/c # : XXXX I was granted a full deferral on all of these loans ( see attachments ). I was sued by these companies, all lawsuits were dismissed since I am still XXXX XXXX One judge even had me forward a copy of the statutory Federal law on deferment to the lawyers who represented these companies ( See attachments ). The problem is simple, all 3 CBs keep reporting these school loans as Charge-offs or closed accounts. Interestingly, XXXX has added the XXXX account to my regular installment accounts and jacked up the total on my installment accounts from {$2200.00} to $ XXXX -- -erroneously reporting that I am making monthly payments to XXXX XXXX Transunion & XXXX shows a similar pattern, that being, failure to show these accounts as being deferred.

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: GMH Associates Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I refinanced my home inXX/XX/XXXX with GMH Mortgage. I closed Wednesday, XX/XX/XXXX, with no problems and emailed my contact XXXX XXXX to let her know. She responded with helpful information about payment coupons and cash out checks.

On XX/XX/XXXX, I emailed XXXX to let her know that I received my property tax bill that was to be paid from my escrow account, and I emailed a scan of the bill. XXXX  acknowledged receipt of the property tax bill and said she forwarded it on to the servicing manager and the title company. I assumed it would be taken care of and didn't think of it again, until I received a delinquent tax notice in XX/XX/XXXX. I had to scramble with XXXX XXXX, the company my mortgage was sold to, to get the overdue tax bill paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
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: Credit inquiries on your report that you don't recognize

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. 

XXXX XXXX Account number : 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 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.

ALSO, Ive noticed unauthorized inquiries on my report OR someone applied for something in my name. AND Fair Credit Reporting Act ( FRCA ) requires all unverified and unauthorized items must be removed from my credit 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 non-monetary relief
Consumer complaint received 2023-04-12
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: Their investigation did not fix an error on your report

Complaint:
I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : 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 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

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 2023-01-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
The Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ) is a federal law that governs how a credit reporting agency ( CRA ) handles your credit information. It's designed to protect the integrity and privacy of your credit information. The FCRA requires credit reporting agenciesand the entities that report your credit information to them and othersto ensure that your information is fair and accurate, and kept private. The FCRA protects your right to access and correct any inaccuracies in your credit report and provides you with remedies if a credit reporting agency or information furnisher violates your rights. 

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. 

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

XXXX Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated my rights. 

Equifax Account Name : DPT EDXXXX Account Number : XXXX, has violated 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 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. 

The student loans are inaccurate on my account from XXXX. The documents that will be attached and highlighted from XXXX, Equifax, and XXXX XXXX shows that I made payments on one account for a certain time, and on the other account it shows that I have not made payments. This information is inaccurate and XXXX, Equifax, and XXXX XXXX has violated my rights on numerous occasions. I have not made any payments due to the payments not starting until XXXX ( 10 years ). 

The President of The United States, Joe Biden, also announced student-loan relief for borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26
Company: AMERICAN EXPRESS COMPANY
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: Account status incorrect

Complaint:
1 ) XXXX, XXXX and XXXX inaccurately reported Ive disputed countless times. 2 ) American Express closed my count XXXX, XXXX continues reported me late.3 ) XXXX XXXX closed my account XXXX XXXX due to Fraud and continuous reporting late payments. XXXX XXXX XXXX XXXX reporting XXXX ) XXXX XXXXXXXX XXXX late payment XXXX XXXX XXXX XXXXXXXX XXXX showing charged off XX/XX/XXXX but accounted was closed XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am the XXXX XXXX-in-fact under a Power of Attorney that Citi 's Office of the President accepted. When I received instructions on sending the POA into Citi, I was informed that I should call back to receive online account access to the credit card account, thus enabling me to watch, oversee and manage the account, as necessary. Indeed, it is necessary because the principal has XXXX and lives 150 miles away from me. I need the ability to monitor spending and payments and, if it becomes necessary, to lower her limit or close the account. 

My name and status as POA was put on the principal 's credit card account ( s ), as requested some time in late XX/XX/2018. However, Citi will not let me have online access when I tried to obtain it today, XX/XX/18. The POA grants me full authority over the account. By its terms, I can close, open, modify the accounts of the principal. Indeed, Citi acknowledges that I can request a decrease on the limit and that I can close the account.

What I CAN NOT do, according to Citi, is get online access to the account activity and maintenance features because - wait for it - I don't have the 3 digit security code on the back of the physical card. I can't get that for a few reasons, not least of which is b/c the principal is XXXX miles away, and b/c she is constantly losing her cards bc - wait for it again - she has XXXX. 

So, I go to all of the effort to write to the Office of the President, spend hours on the phone today getting authenticated in the worst process you can imagine, and try to get online access, and even though I have all legal rights to conduct business relative to the account, Citi won't let me have online access. I was told twice that, " oh, the principal account holder needs to give you access to online account information. We can't let you have online account access without the principal letting you. '' Are you XXXX  kidding me? This is contrary to the intent and authority of the POA. 
It defeats the purpose of the POA. Further, Citi would rather that I use the POA to close the account than give me online oversight of her usage? How is this legal?

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 2023-10-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/2022 I purchased XXXX flooring and products including installation, from XXXX improvement center. The contract was broken multiple times by the XXXX floor installers. I was promised compensation for faulty workmanship and for XXXX  damaged bed and bedding caused by installers. XXXX XXXX named XXXX was who promised to make things right. I am attaching a letter describing my dispute, along with photos of text messages to XXXX XXXX and blood stained bed and bedding, blood on floors, poor workmanship, documentation that supports my complaint. I filed several disputes with XXXX credit card company. First dispute credited my account and the turned around months later and recharged my account, reason they said it was charged back to me was that the response from company was I received product and was happy throughout the entire process. That statement is untrue and I was not happy with the installation or the blood damage they did to my home and furniture. I was informed to open another dispute and send as much documentation as possible, so I did and they closed second dispute for reason, 'no documentation received '. I called XXXX credit card company today, and they verified they have all my documentation. Now they are telling me to open yet another dispute, which I did. This has been going on for several months with back and forth. I can not get any acceptable resolution from any parties involved. I am disputing 100 % of the charges {$7600.00} for contract broken, XXXX  stained mattress replacement, poor quality installation, pain and suffering. XXXX gave me the run around and sent me to corporate, which also gave me the run around and now I am disputing charges with credit card company. The credit card company is not helping and they are also giving me a run around. PLEASE 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 explanation
Consumer complaint received 2022-05-26
Company: GOLDMAN SACHS BANK USA
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Regarding an Apple Card account with Goldman Sachs Bank USA. When requesting the address to make overnight courier payments by check, was given the following address by telephone support : Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

Then I was told that upon receipt of the check by courier ( XXXX XXXX  ), it would take another 7-10 business days to process the check. From the address, it is evident that XXXX is sending to XXXX and then to XXXX, UT, with an interstate routing scheme that appears designed to delay such payments. Thus, XXXX is purposefully making it impossible to accept payments and process them on the day of receipt, even for overnight courier payments by check. I have been doing this same payment for several other XXXX firms today, and all of them credit the payments on the day of receipt. So this arrangement appears specifically designed by XXXX to rob customers of interest and create delayed payments made by check.

Company response to consumer: Closed with explanation