BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
All XXXX major credit bureaus : Trans Union, XXXX, and XXXX. 
My legal name is XXXX XXXX, XXXX. I have submitted requests for confirming name from State Driver License, and Social Security Card confirming number. 
They are still refusing to carry my report as XXXX XXXX, XXXX. 
Most of the accounts on the reports, totals are incorrect as I have paid recent debts credit cards or personal loans over XXXX, and several account balances are wrong. 
The XXXX scoring methods are based on incorrect data and negatively affecting my ability to rent or Rent to Own, or Purchase a home or to get moved. 
I sold my home on XX/XX/2022 and immediately began paying off debt, yet most accounts are not being reported correctly. This is negatively affecting my Debt to Income Ratio which is extremely important to underwriters in the loan process. 
I am still living in the home sold, but paying market rent, which is currently exorbitant compared to my income as a Retired Single man. 
All 3 are currently FROZEN until I can begin the process to correct all 3 reports. 
When should I begin to remove these Freezes so, the corrections can be completed??

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 2022-12-02
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company calls average 3 times a day every day XX/XX/XXXX:2 times XX/XX/XXXX : 3 times XX/XX/XXXX : 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 2 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 3 times XX/XX/XXXX 4 times XX/XX/XXXX 4 times XX/XX/XXXX 3 times XXXX 3 times XXXX 1 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 2022-04-25
Company: Better Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I locked in a rate of 3.875 % on XX/XX/XXXX with BETTER.com. This rate was " guaranteed '' for 75 days. As of XX/XX/XXXX, I was " cleared to close '', with a close date of Friday, XX/XX/XXXX. 

On XX/XX/XXXX they laid of 3000 employees and on XX/XX/XXXX, 7 days before close and out of my option period to re-coup my earnest money of {$53000.00}, they told me they can't do the loan. 

They would only do the loan at a higher rate of 4.25 % and {$5000.00} more in points. The net interest rate difference is over {$100000.00} over 30 years. 

I begged for them to honor the original rate to no avail. The best they could do is 4.25 or decline the loan in which case I would be in jeopard

y of loaning my earnest money and the house. Attached are : 1.
Screen shot of " on track '' to close. 2. Rate lock " guarantee '' email. 3.875 3. Pre approval letter. 4. Actual closing disclosure of 4.25 % and increased points.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: PENTAGON FEDERAL CREDIT UNION
State: AZ
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:
Dear XXXX You continue to violate my rights by not doing an actual investigation included is proof. 
I just received a copy of my credit report and to my surprise, I noticed that my right to privacy had been violated. I have not given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 
In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 
I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 
Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section XXXX of this title. 

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 

Name : XXXX XXXX XXXX XXXX : EMPLOYER : XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Collections : XXXXXXXX XXXX  Account Number : XXXX XXXX Account XXXX : XXXX XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : 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 2022-12-02
Company: Self Financial 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 was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SBNASELFLNDR for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. 
Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. 
I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Genesis FS Card Services, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Someone open a credit card under my name i received a statement in my address that a fee has to be paid im not working Im XXXX I already call the company calls indingo I explain and they said to report it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: Bread Financial Holdings, Inc.
State: CA
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:
XXXX XXXX issued by Comenity Bank I have been unable to access my Comenity account to make a payment for over a week through the phone app, Easy Pay or web browser. Received message that account could not be located online. Calls to the number listed on the card do not go through. Chat feature on Comenity/Bread Financial only offers generic information. 

There has been no email communication from Comenity about this outage. Social media posts from Comenity are not providing current or correct information.

Furthermore, customers have not been notified of the merger of Comenity and Bread Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I have had issues since opening my business account. I, XXXX XXXX, am managing the account for my relative, XXXX XXXX and listed as a co account holder. XXXX -- Chase Account number Issue 1 : I opened an account where if I maintained an average of {$500000.00} for 6 months I would receive a cash back bonus of {$3000.00}. At the time I opened the account the offer was not clearly explained and I did not know I needed to fund the account immediately. It is clear I could have waited up to 30 days after reading the fine print. So Chase was able to hold my funds and pay me XXXX interest for 30 days. These terms should have been communicated at the time the account was opened but I was not presented with any paperwork regarding this. Now I am concerned I will even receive an account bonus after the 6 months. Due to the history of non transparency from Chase/problems with ACH DEBITS, I have sent follow up emails and made calls regarding this, to mitigate further problems, but the terms of how Chase perceives this bonus are not clear to me. For example, if you review all the correspondence, I have continuously asked how someone can maintain a balance of {$500000.00} for XXXX months ; It is impossible unless there is no account activity. I have asked about the timeline and it has been communicated differently to me : some people have written/said 6 months from account opening or some have said it can be 180 days after the account has opened. 180 days from when? THIS IS NOT CLEAR. This is why all the terms and conditions for these types of offers in the industry state average balance. As a result, after leaving my funds in Chase for close to XXXX months and earning no interest, I have removed the funds to an interest bearing account pending the outcome of this potential dispute I have. Issue 2 : I was encouraged to participate in Chases ACH approve/reject debit process. I have sent tons of emails about this regarding how the process works and what the system does. I was told I would receive a notification to accept or deny ACH blocks each day. I did not receive this notification for XXXX XXXX and they were blocked from debiting my account. I was charged a return fee with interest totaling {$200.00} I am requesting interest from account opening XX/XX/22 at the promotional rate ( approx XXXX months ) {$1200.00} and the ACH return fees totaling {$200.00}. Total : XXXX. I also would like to continue participating in the promotion, ( as I was originally intending to do in good faith by depositing funds in full at account opening when I did not even need to ) and receive the balance of the {$3000.00} promotion once the reminder of the period has elapsed, XXXX months. So far I have received XXXX. Spoke with relationship manager XX/XX/XXXX via phone was told she would get back to me about these concerns did not hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
the account XXXX for XXXX is unknown to me, also the the account XXXX XXXX XXXX is clear violation of 104-91 HIPPA since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. In addition the new XXXX XXXX XXXX states : when patients pay out of pocket in full, they can instruct their provider to refrain from sharing information. This letter serves as that instruction.

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 2022-12-29
Company: Synovus Bank
State: IN
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:
My first progress is checked daily to make sure I continue building my credit and don't miss payments. I didn't owe for the month of XXXX and I now owe XXXX which is accurate for XXXX as a due date but my score dropped XXXX points and I haven't missed any payments. I don't believe this is fair this has happened to me before with first progress and this is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Noticed a few accounts on my credit I do not recognize

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 2022-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have a collections account reporting on my credit report. I contacted the credit bureau to dispute the account. The account was adjusted on the credit report. I called the collection agency and they said that they removed my collection and there's no longer an account. however it still shows on 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 explanation
Consumer complaint received 2023-10-30
Company: EQUIFAX, INC.
State: TN
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 kindly ask that you undertake a thorough investigation and ensure their removal from my credit report. For your reference, I've provided the requisite documentation to back my assertions.

Company response to consumer: In progress
Consumer complaint received 2023-09-29
Company: Experian Information Solutions Inc.
State: FL
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Delete this account.

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 2022-07-02
Company: Bread Financial Holdings, Inc.
State: MD
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:
I logged on to my bjs perks mastercard that is serviced through comenity bank/bread financial on XX/XX/25 to check on a credit that should been issued. I could not log on and the message said the site was undergoing planned service. I tried the following day and everyday since to log on without success. The company is unavailable by phone to answer questions. My payment due date is XX/XX/XXXX and I was finally able to use the easy pay function however I have not seen that the payment was processed through my Credit Union. This is my primary card so I carry a sizable balance that I pay off in full by due date. I am concerned that my credit score will be affected and that I might be charged interest because the due date passes without my payment processing. The site remains down and the phone line has a recorded message that simply repeats the outage and that they are working on it, call back later, then it disconnects. This is a very worrisome sign. I am also concerned about my personal information being secure with a company that is this dysfunctional.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On behalf of XXXX XXXX Please give me the amount of overdraft fees and please return this money. Bank of America

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: Experian Information Solutions Inc.
State: TX
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:
Kindly delete these unauthorized accounts from my credit report. I haven't opened them, and I'm unaware of their origins. As per USC 1681g, I request their removal within the next 15 days. I've attached the relevant documents for your reference.

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 2023-12-13
Company: EQUIFAX, INC.
State: DC
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:
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX  Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX Account XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: In progress
Consumer complaint received 2022-09-22
Company: Experian Information Solutions Inc.
State: GA
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 are currently credit inquiries listed on my report that were not authorized by me : XXXX, XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX XXXXXXXX XXXX, XXXX ( XXXX ) XXXX XX/XX/XXXX ( Experian ) XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX ( all three bureaus ) XXXX XXXX XXXXXX/XX/XXXX ( all three bureaus ) I did not authorize or benefit from these inquiries.

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 2023-08-15
Company: Experian Information Solutions Inc.
State: NV
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 non-monetary relief