BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-22
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/XXXX Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute late payments that are falsely listed on my credit report with your bureau. The following accounts have never had late payments and are inaccurate. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed and reflect current pay history. I have already contacted the company, and they do not have any late payments reflecting on my file. 
The following late payment must be removed immediately : Creditor Name : XXXX XXXXXXXX XXXX XXXX Type of Business : Auto Loan Account Number : XXXX Date of Late : XX/XX/XXXX This is my official request to have the aforementioned items to be deleted off 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 2022-12-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
From XXXX  through XXXX, I was travelling abroad ( XXXX and XXXX ) for the first time in many years. While I was travelling, I used the Citi Thank You Rewards credit card to pay for transactions, unaware that usage of the card would trigger foreign transaction fees of 3 %. While on my trip, I used the Citi Mobile App to track my transactions. I was careful to review the exchange rates and any potential additional fees associated with those transactions. During my 10 days abroad, none of the transactions I reviewed in the Citi Mobile App appeared to be subject to foreign transaction fees. There were no foreign transaction fee line items nor any language in the app about the potential for foreign transaction fees. It was not until my billing cycle had closed and a billing statement generated that I saw one large line item for foreign transaction fees at the bottom of the billing statement. Had I seen those fees in real-time on the app, I would have stopped using my card immediately and instead used cash or a different credit card. It is a deceptive practice of Citi to not post fees in a timely manner to customers ' accounts. I have had the Citi Thank You Rewards card for many years, and it is unreasonable to expect that I would remember all the terms and conditions of the card, especially in the case of foreign transaction fees, because I do not travel abroad often ( in fact my last trip abroad was over 5 years ago ). I called Citi on XX/XX/, spoke with a service rep and a supervisor, and discussed my concerns and they refused to waive the fees despite the fact that I have been a loyal customer, have always paid my bills on time and have excellent 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 monetary relief
Consumer complaint received 2018-04-19
Company: RoundPoint Mortgage Servicing LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We were affected by hurricane Irma in XX/XX/2017. Roundpoint mortgage offered for us to make minimal {$100.00} payments for 3 months. They told me that at the end of the three months, I would have the choice to pay in full, make a payment plan, or request to have the 3 months added to the end of my loan. I was also told emphatically that this would not affect my credit, it would not be reported to the credit agency and I would not receive late fees. 
In early XX/XX/XXXX, I called Roundpoint to start the request to add the 3 payments to the end of the loan. I filled out the paperwork that I was told to complete and sent it in promptly. 
We resumed our full payments on the first of the month starting in XX/XX/XXXX and have made each of the subsequent payments in full and on time. 

The issues that we are complaining about are : 1. Roundpoint has submitted delinquency to the credit agencies resulting in an immediate drop in our credit score of over 100 points. We are due to close an SBA loan any day - this change in credit will likely cancel this opportunity that our business desperately needs. 
2. We have been repeatedly charged late fees. 
3. This has been the most difficult loan process that we have ever been through. We have had many mortgages in our lives and also work as Realtors and have assisted many of our clients through the lending process and we have never been through such a ridiculous and difficult process. We did the same loan modification with our business mortgage after Hurricane Irma and it was 2 papers to sign and notarize. 
I have responded immediately to every phone call, letter and email. 
Roundpoint has asked for a new and different list of documents on nearly a weekly basis for over 4 months. I have provided them each time with what they have asked for. But every time, there is a new list. Most of the staff at Roundpoint is now sympathetic when we speak and can not understand why they are asking for things that I've sent, or more documents. These staff members are in shock themselves, and always promise to help me resolve this. And then I never hear from that person again. 
We need to have our file submitted to their investors, but they will not or can not submit it because there are " missing documents ''. Yet every time I spend hours getting more missing documents, there is a new list the following week. 
Now they are selling our Mortgage on XX/XX/XXXX and I'm told the process will start over. 
I have done everything they have asked over and over again. I am making my payments. I have never been late on any loan payment EVER other that after Hurricane Irman - but then only with permission from the lenders. 
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 2023-06-22
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 Dear Credit Bureau, I, XXXX XXXX XXXX, have written this letter to dispute an account that are falsely listed on my credit report with your bureau. I have no knowledge of the following account and it is inaccurately listed on my credit report. According to the Fair Credit Reporting Act, legally the following inaccurate items must be removed. I have already contacted the company, and they do not have any information reflecting on my file. 

The following late payment must be removed immediately : Creditor Name : XXXX XXXX XXXX ( XXXX ) Type of Business : Debt Collector Account Number on Credit Report : XXXX I HAVE NO KNOWLEDGE OF THESE CREDITOR OR ACCOUNT WITH XXXX. IT IS FRAUDLENT AND INCORRECTLY REPORTING, AND I AM REQUESTING THAT THE ACCOUNT REMOVED IMMEDIATELY. 

This is my official request to have the aforementioned items to be deleted off 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 2021-06-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every month I log on to the Synchrony site ( a credit card setup by XXXX to pay of my XXXX phone ), and I can't access my account. Their site simply does not work. I try three or four times with my card number, SSN and other ids ( birthdate etc. ) and even when everything is right, it can't find my account. Additionally, they offer a call in help line - that also can't find my account ( but offers to at a {$10.00} per call fee ). These people should not be allowed to offer credit to anyone- I will probably pay the amount in full to get away from this company. I can not conscience that a company would make it this hard to pay your bill. Please investigate this horrible company - taking advantage of people who need goods like a cellphone.

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 2021-06-16
Company: Experian Information Solutions Inc.
State: TN
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 do not know how this works, but I need it done or somehow corrected. My name is XXXX XXXX, XXXX XXXX XXXX XXXX TN XXXXMy SS XXXX DOB XXXX. I had some issues with my income being affected by the COVID-19PANDEMICSHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. US DEPT OF ED / XXXX # XXXX, # XXXX accounts are reporting on XXXX, XXXX The was 30,60, 90 DAYS LATEsince requested assistance due to the pandemic. I found a few accounts that I have never done any business with these companies and the accounts do not belong on my report : XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX # XXXX. 

I have some issues with the misspelling of my name, my correct spelling is XXXX XXXX. Please remove any other variation of my name they are not correct. The following addresses do not belong to me please delete them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXSC, XXXX XXXX XXXX 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 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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 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 non-monetary relief
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit reports from each bureau, I noticed that the last payment dates for the aforementioned account differ among them. This inconsistency raises concerns regarding the accuracy of the information being reported. According to my records and the information provided by the creditor, there should be uniformity in reporting this particular account 's last payment date across all three credit bureaus. 
I would like to draw your attention to the Fair Credit Reporting Act ( FCRA ), which emphasizes the importance of reporting accurate and fair information. According to Section 1681s-2 ( a ) ( 1 ) ( A ), credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. The discrepancies in reporting for account number 585-975 clearly violate this provision.

Furthermore, under Section 1681i ( a ) ( 5 ) ( A ), if any information on a consumer 's credit report is found to be inaccurate or can no longer be verified, it must be promptly deleted. Given the inconsistencies in the reporting of the last payment dates for the aforementioned account, I request that you conduct a thorough investigation and take immediate action to rectify these discrepancies.

I kindly ask for your prompt attention to this matter to ensure that my credit reports accurately reflect my financial history. Please provide me with a written explanation of the steps taken to address and correct the inaccuracies within the statutory time frame.OR DELETE immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-08
Company: EQUIFAX, INC.
State: SC
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'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 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 explanation
Consumer complaint received 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report i was shocked to learn that i have been a victim of identity theft. i found numerous accounts on mycredit report that were not open by me. That has been hurting me as i am in the process of buying a home for my family please remove the fraudulent accounts from my credit report as soon as possible

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 2022-05-01
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX 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 2023-05-01
Company: Experian Information Solutions Inc.
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: Information is missing that should be on the report

Complaint:
On XX/XX/XXXX I attempted to send a request for account information to XXXX XXXX XXXX. The mail was returned as non-deliverable ( see attachment ). On XX/XX/XXXX, I sent out a request to have the item removed from my account to Experian, XXXX, and XXXX, respectfully. I have been sent a reply from XXXX, and XXXX stating the account was verified, with the same non-deliverable address and an incomplete account number. I have not received a reply from Experian in the timely manner described by federal law ( 31 days ). In accordance with the Fair Credit Reporting act, XXXX XXXX XXXX, Experian, XXXX, and XXXX have all violated my rights. 

As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address. Section 623 ( a ) ( 1 ) ( A ) prohibits furnishing information to any CRA if the furnisher 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 explanation
Consumer complaint received 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See document attached

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My ex-wife and I entered into a mortgage in XXXX, with XXXX XXXX XXXX to secure a loan on our former matrimonial domicile. We divorced in XXXX or XXXX, and entered into a divorce judgement through which my ex-wife received 100 % ownership in our former matrimonial domicile. It was my understanding and my instructions to my attorney and, I believe, the instructions of the Court that I be removed from the mortgage. 
In XXXX, XXXX my fianc and I applied for a mortgage with XXXX XXXX on a home we purchased. As part of that application, XXXX XXXX researched our credit, and the aforementioned mortgage appeared on my credit report. I was surprised because I have not heard from nor had any dealings with XXXX XXXX  since the time of my divorce in XXXX or XXXX. 
I contacted XXXX XXXX on XX/XX/XXXX, and they told me that I was not on the account and, therefore, not authorized to receive information about the account. They suggested I address the issue with XXXX XXXX who, in turn, referred me back to XXXX. I called XXXX back, and they again told me that I was not on the account and not authorized to receive information about the mortgage. Despite this, they did tell me that I was not a debtor on the mortgage and that I was not a debtor on any mortgage with their company. They suggested that I file a dispute with XXXX which I did. A copy of my letter to XXXX XXXX XXXX dated XX/XX/XXXX, is attached hereto. 
Any help you might provide in removing XXXX mortgage from my credit report is greatly appreciated. 
Thank you

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 2023-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
The fact that I always make timely payments on this account is causing me a great deal of anxiety. I have never missed a payment and I am very diligent about it. I kindly request that you update my account immediately and rectify the inaccurate late payment entry.

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 2018-08-08
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I opened a XXXX XXXX Credit Card from XXXX XXXX in XX/XX/XXXX in response to an offer for XXXX bonus XXXX Miles for spending {$3000.00} within the first 3 months of opening the card.The credit card application stated that if I currently did not have an XXXX Miles membership number to fill in, the field should be left blank, and XXXX XXXX would contact the applicant to complete the XXXX Miles membership. I completed the spending within the three months, and paid the annual fee of {$95.00}. 
Upon completing the spending, the XXXX bonus miles showed up om my XXXX XXXX credit card statement, but it has been almost 12 months, and they never posted to my XXXX Miles account. Initially I contacted XXXX XXXX, since I never received an XXXX Miles number, or any indication that my miles has posted to XXXX Miles, and was told that I should manually obtain an XXXX Miles membership number, add it to the account, and the bonus miles would then post. I obtained the XXXX Miles number and added it to the account, but only subsequent miles earned, XXXX miles to date, have posted. The XXXX bonus miles and XXXX spending miles never posted. I contacted XXXX XXXX numerous times over the next few months and each time was assured that the miles would post upn the close of the next statement. 

Finally, in XX/XX/XXXX I was told that since there was a problem with the XXXX Miles number originally, I would not receive the XXXX miles, only the new miles I would earn in the future. 

On XX/XX/XXXX I sent a letter to XXXX XXXX indicating that they were not honoring the terms that were promised to me when I opened the account. On XX/XX/XXXX I received a response that the problem had been corrected and my XXXX Miles account would now reflect the correct balance. 

Unfortunately this was not true, since my XXXX Miles account continues to show only the XXXX miles earned after the initial issue. The XXXX miles has not posted. On XX/XX/XXXX I sent a follow up letter, but received only a form letter in response indicating that I could initiate a complaint by sending a letter. It has been almost a year and I am frustrated that my issue has not been resolve despite numerous assurances from XXXX XXXX that it would be.

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 2023-05-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on ID THEFT REPORT # XXXX. I've proactively remembered this report from 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 tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief