BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-06
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit 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:
Today XX/XX/ I asked Comenity Bank-AAA Travel Advantage Visa Signature for the {$220.00} available in cash back to redeem. Company was asking all kinds of information to establish my identity, which I provided for their satisfaction. Sent me a validation code via the phone, which I presented to them. They said they can't issue a check and my account is up for further investigation. I asked what further information they are looking for, they answered that I'm up for further investigation. My account is current with XXXX  balance, never been late with payments. 
Why is it so difficult to hold the company to their promise, or it is just a marketing tool for them, never intended to fulfill their promise?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-09
Company: EQUIFAX, INC.
State: AL
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 have contacted Credit Bureaus on numerous occasions to have these inaccurate information that's hurting my score, however they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

PLEASE CHECK ATTACHED LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My name is XXXX XXXX and I have been having difficulty opening an account with your bank for years. 
The account would open and then close shortly after opening. 
I do not have any difficulty opening an account with any other bank except Chase Bank. There is never any explanation for why the account can not remain open and this is very disheartening. I would love to have a Chase account since it is in the lobby of my place of employment and also across the street from my residence. Being a new mom, convenience is very important to me but also it makes me concerned that there may be some sort of identity theft as I have never had a Chase account. 

The lastest account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: FISERV INC.
State: AK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Since the year of XXXX, a called Card Connect, has been charging my bank account with a {$130.00} every month till present, XX/XX/XXXX. I have spoken with many merchant services Representatives that say they can help me but unfortunately have not. They have told me to call a different Company called XXXX XXXX because they have switched companies in XXXX. I've done my due diligence in acquiring what i needed and what the merchant representatives have told me to do. Please help me. 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 2022-12-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: PR
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
The reason I'm doing this claim is because Carrington Mortgage Services is asking me to continue paying a mortgage that was paid on full on XX/XX/XXXXXXXX XXXX XXXX XXXX 

Here is the summary ; The mortgage loan ( # XXXX ) was paid in full as part of a XXXX XXXX XXXX process of the property ( XXXX XXXX XXXX XXXX XXXX XXXX ), that was leaded and executed by XXXX XXXX XXXX XXXX XXXX XXXX the Cancelation Balance of the Mortgage occurred on XX/XX/XXXX of XXXX, at the XXXX XXXX XXXX of XXXX XXXX XXXX. The payment was made by the XXXX that was in charge of officializing the XXXX XXXX XXXX. Im including evidence of the payment transaction which was provided to me by the same XXXX, and who is still responsible for receiving the cancellation note of reference mortgage loan. For some reason, that process was not completed by XXXX XXXX XXXX XXXX. 
The payment to XXXX XXXX XXXX XXXX XXXX XXXX ) was for the amount of {$45000.00}, which was the same amount required by XXXX in their Cancellation Balance Letter that was sent to me requested on XX/XX/2022. The letter described a Cancellation Balance Amount of {$45000.00}, and that it was effective until XX/XX/2022. Im including evidence # XXXX of the XXXX Cancellation Balance Letter that establishes the total amount for the pre-payment of the mortgage loan. 
Please note that the payment was made through XXXX because the XXXX XXXX XXXX XXXX XXXX ( XXXX ) office in XXXX XXXX XXXX. didnt receive the payment in person because it was closed as part of the measures taken by XXXX XXXX response to the XXXXXXXX XXXX XXXXXXXX established an alternative process to make payments to them through XXXX, and that was the alternative taken by the XXXX representing the XXXX XXXX XXXX process leaded by XXXX XXXX XXXX They were responsible of making that payment, which was done on time on XX/XX/XXXXXXXX XXXX XXXX and following specific instructions from XXXX. Im including evidence of a XXXX XXXX XXXX XXXX XXXX XXXX  ) that was of the front desk of XXXX XXXX XXXX XXXX, showing the specific instructions for mortgagors to make payments to XXXX  in any XXXX branch office in XXXX XXXX. 

I called Carrington XXXX XXXXXX/XX/2022, because I never received any answer to my last letter, and the person told me I have a balance on my account of {$4100.00}, but the strange thing is that I'm also receiving XXXX Mortgage Statements from Carrington, that said I need to pay {$1000.00} ( The last one was received on XX/XX/2022. ) with is very confusing. 

I'm including all the evidence I have since I wrote a letter to Carrington Mortgage Services asking to open an inquiry about my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: ID Analytics, Inc.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
This is a copy of the letter I sent to SAGESTREAM : To Whom It May Concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, " SAGESTREAM '' never responded or complied with my request. I will send them the letter again via certified mail. 

NOTE : I HAVE ALSO CALLED THEM 2 TIMES AND LEFT A MESSAGE. I NEVER RECIEVED A CALL AS OF TODAYS DATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
Sent letters to XXXX, XXXX, and Equifax to investigate my accounts. It has been longer than 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - XXXX, XXXX, and Equifax have 30 days to investigate and to send me the results. In addition, they failed to record the current status of the disputed information which is also a violation. 
Evidence attached. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My Bank Of America account was forced closed recently because of lack of funds. I was under the impression that they would decline any transactions that i had not enough money for, but since somehow XXXX is set up as a recurring charge ( which it is not ), they allowed it to go deep into the negative. That is not the worst part, upon closer review I saw that on my transaction statement I had an overdraft charge before i even went negative, which put me in the negative. In the end I currently owe {$260.00} and of that {$210.00} is in overdraft fees. I have contacted them about paying the balance of the transactions made and getting rid of some of the fees but that was not going to happen. so i now am hoping for help regarding this matter. Bank of America is allowing payments that are non recurring to be processed as recurring which allows much easier ways to overdraft people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have the XXXX XXXX credit card from Comenity Bank. I have not used the account in the last few years. On XX/XX/XXXX I was charged {$100.00} on the card to be part of the XXXX XXXX. I however was not informed of this by XXXX XXXX. I reached out to XXXX XXXX on XX/XX/XXXX when I realized that I had been charged and was being charged a late fee. XXXX XXXX   said they sent emails on XX/XX/XXXX and XX/XX/XXXX but I provided screengrabs that I did not receive any emails about this and XXXX XXXX reversed the charge. 

Comenity Bank manages the credit card. I reached out the bank and they were only willing to take off 1 of the late fees. I had a past due account and wanted to close it. Even though I was unaware of the charge and did not consent to it and XXXX XXXX even reversed it they did not care and when I said that I should be not be responsible for paying it they closed the account and sent the information to the national credit rating agencies. I have copies of all of my messages. I was past due on an account I didn't know even had a balance because I did not consent to the charge and they were entirely unwilling to be understanding, especially since after the charge was reversed the only balance was late fees and interest on a charge that was no longer there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15
Company: TrueAccord Corp.
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:
I have wrote numerous letters to the creditBureaus to have this removed. 

As stated in previous letter I had only one account with fig loans of Texas ( 1 ) **Paid the account OFF FULL.

This account is not mine. My personal information and opened an account without my consent. I think I even made a payment on this loan. I had no idea about this loan. I have also stated that my information has been stolen. I have filed several reports and I would appreciate a prompt response to have this removed. Immediately please and THANK YOU!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was mislead into forebearing which allowed thousands of dollars to be capitalized into my loan. There have also been several occasions, when I took online classes, that the national student clearing house declared me as a full time student and Navient immediately put me into deferment, each time I had to tell them not to defer my loans, but that caused a XXXX charge each time. I had to go in one by one and have the charges removed. Even though the charges were added to my principal they refused to give any interest back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. I included a date on the last letter I submitted to the 3 credit bureaus XX/XX/2022, but no answer was received. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide with the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$5000.00} XXXX XXXX XXXX XXXX Balance {$0.00} XXXX XXXX Balance : {$720.00}

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 2019-08-07
Company: EQUIFAX, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Equifax had a data breach and my information was exposed! My credit score went down because of it and I dont k ow what to do! I am very angry about this and if they dont fix it, I am suing Equifax. A lot of people were affected by this breach! They didnt send a letter out or anything! Please fix my credit report or Im suing Equifax for the exposed data breach. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-10
Company: ACIMA CREDIT, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Acima responded back to my dispute with the CFPB, but clearly is violating my rights and the FCRA Laws. They stated I was charge off as of XX/XX/XXXX due to late payments. If you clearly see here on my records with XXXX it shows the 100 % truth that this company is lying and not following the laws. Also I have proof of other records that will be attached showing that on XX/XX/XXXX I was offered several options for this account as a settlement. So on XX/XX/XXXX I accepted the offer " DONATION '' option that was given to me by a representative of that company as proof shows attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-21
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XX/XX/XXXX, I sent in an application for the Public Service Loan Forgivenesses Program, in order to find out if I was eligible and how many payments I had to complete in order to qualify. 
To which I was told I had the wrong type of loan and I was not on an income based repayment plan. 
Years have gone by, but every year I keep my eye open for any loan forgiveness programs for XXXX. 
This year, it caught my eye that there was a temporary expansion public service loan forgiveness ( TEPSLF ), which if I read correctly expands the program to people paying standard payments on there loan. So I checked with my loan type again. It was unclear to me what type of loan I had, it just specified consolidated on the website, everyone I have called at Navient tells me its a FFEL, however when I requested a history and the mastery promissory note it specifies all direct loans from the XXXX XXXX XXXX Federal Direct Loan Program. I  called my current serviced, Navient, XX/XX/XXXX and I was thrown through hoops to get a straight answer, regarding the information THEY, sent me on XX/XX/XXXX. One person, saying it was a direct consolidated loan, and one saying it was a smart consolidated loan. Someone told me the direct loans werent issued until XX/XX/XXXX and someone else said XX/XX/XXXX. Needless to say, I am uneasy with how my calls were taken. I spent all morning through afternoon with different people and at one point, when I spoke to their branch thats affiliated with the department of education, I was disconnected when I asked how they would rectify the issue. And they have my number they could have called back. Instead, I had to call back and was put through loops again. 
My other issue is that I never personally signed for this consolidation. In the packet, revealing my history and phone calls to my previous loan services I was, which I was given, on XX/XX/XXXX, there was no consolidation application signed by me. Only the mastery promissory note indicating direct loans. I have great credit, on time with payments and I just want someone that can be on my side to show me proof of my loan type. 
My loan has been transferred three times to different borrowers and at some point I truly believe this happened without my permission. 
It went from conduent, to XXXX, to now Navient. But my feeling is you buy the debt you should be able to answer my questions in a straightforward and detailed way. So my ending questions are what type of student loan do I have? And was my debt consolidated without my permission? And what type of loan do I have after it was consolidated?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: ALLY FINANCIAL INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
On XXXX, I acquired a XXXX XXXXXXXX XXXX for personal use in the amount of {$18000.00}. A promissory note was signed and exchanged with Ally Financial for the vehicle. I was unknowingly ushered into an investment with Ally Finacial, then coerced into pledging my labor and vehicle as collateral under the threat of repossession if I did not comply. Ally Financial misrepresented themselves as " lenders '' in this transaction. I have never received a loan from Ally Financial. As a result, I have been defrauded {$15000.00}. On XXXX, Ally Finacial sent a text message threatening to repossess my vehicle. These abusive tactics have caused harm and anguish, as it appears I have been subjected to peonage by Ally Financial. It is my understanding that under a wagering monetary contract, after 3 years the bonds must be broken by the Comptroller of Currency. Ally Financial has deprived me of my labor for 6-years and now threatening to deprive me of my property without due process.

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 2017-02-22
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I am a co-signer on my stepsons student loan with Navient. I have sent them multiple messages now to contact XXXX ( stepson ) about past due amounts. I have supplied his contact info both cell, alternative phone, and new address. I even explained he was without a job for a few months. Now Navient is calling my cell phone 5+ times a day, everyday. I have already spoken to them, why the excessive calls?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Citibank Credit Card Company : 1. Encouraged me to change to paperless statements. 
2. Encouraged me to enroll in auto payments. 
3. After a year, ceased pulling my auto payments without notifying me. 
4. Closed my other accounts without notifying me, although still pulling the auto payments for those. 
5. Made it impossible for me to view my info online. ( Lockes me out ) 6. After an exceedingly long wait ( 60+ minutes ) on hold, the customer service rep disconnected me when I called to attempt to have paper statements sent to me. 
Help me!!!!!!

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 2023-10-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I am deeply concerned about the accuracy of my credit report because I have found several inconsistencies that seem to conflict with my financial records. These discrepancies have prompted me to write this letter formally contesting these entries and kindly asking for your immediate attention and assistance in diligently resolving this issue. 

Upon careful review of my credit report, I have noticed that certain items appear to contain inaccurate information. I have attached copies of all letters sent below for your reference. 

Recognizing the importance of accurate credit reporting, I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), specifically under sections 611 and 608, to contest the accuracy of these disputed items. I trust you to conduct a thorough investigation in accordance with the FCRA to promptly correct any errors. 

Maintaining a truthful and transparent credit profile is crucial for fair financial assessments. Given the urgency of resolving this matter to protect my financial credibility, I implore you to handle this dispute with the utmost seriousness and professionalism it demands. 

I greatly appreciate your commitment to upholding the principles of fair credit reporting, and I am confident that through our collaborative efforts, we can address these issues in compliance with the law and restore my trust in your reporting services. 

I kindly request that you keep me updated on the results of your investigation and any steps taken to rectify these inconsistencies. Please feel free to contact me using the information provided if you require additional details or documentation. 

Thank you for your prompt attention to this matter. I look forward to a swift resolution and an accurate credit report that faithfully reflects my current financial situation.

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