BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-30
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I opened a dispute against Comenity Bank regarding the violation of my federally protected consumer protected rights and the requirements of the FCRA, that the company failed to comply with. 

As per the company 's own arbitration agreement, in instances where a dispute arises, this must be handled through binding arbitration, the company did not do such a thing. 

As per the company 's own terms and conditions, they will not sell my information to any third parties, which they did when they sold my information to the various consumer reporting agencies, without my written consent. I did not receive the Gramm Leach Bliley Act disclosure, as necessary by Federal Law. 

I requested all accounting history related to this account, from account opening until account was closed, which also is a federal violation, related to committing adverse action against a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In    XXXX   XXXX     2016 we  found out we had a delinquent  XX/XX/XXXX  mortgage payment to  XXXX   XXXX   XXXX  when we had a credit check pulled. We were wanting to refinance our home. I got on the phone immediately to find out what payment was delinguent. They informed me they had not recieved  XX/XX/XXXX     payment. The   XX/XX/XXXX  p ayment made the  XX/XX/XXXX  payment and now I was late  XX/XX/XXXX . I told them there had to be some kind of mistake because I made the payment. I checked with my bank and got statements to show the payments I had made prior to and after the dates in questions. I emailed them to  XXXX . I called  XXXX  several time after to see if they were able to find the missing payments. I submitted the addess the payments where being sent trying to find out why and where my payments had gone.  XX/XX/XXXX  I checked my bank account and I was credited  XXXX . I contacted my Bank,  XXXX   XXXX   XXXX   XXXX  and asked them why this check came back. They informed me this check was credited back because it had not been cashed or processed in 90 days. At that time I contacted   XXXX   XXXX   and told them what I had found out. I made  2 pa yments to  XXXX  at this time. One check for  XX/XX/XXXX  and the other for the missed payment. At this time I asked them if they could please contact the maj or Credit Companies  because these late payments had hurt our credit. They told me I had to write to their research department to get this matter cleared up to which I did. I provide proof the payment was taken from my account. I provide a letter from  XXXX   XXXX  stating the payment was sent on  X/X/16    making  XX/XX/XXXX  payment. The letter I recieve from  XXXX  stated they are not responsible for lost or delayed mail by the United States Postal Service. I was n't asking for anything other than help with  Credit Reporting Companies.

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 2023-11-01
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Hi my name XXXX XXXX This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Whoever during and in relation to any felony violation enumerated in subsection ( c ) Knowingly transfers, possession or uses without lawful authority a means of identification of another person shall in addition to the punishment provided for such felony be sentenced to a term of impressment of 2 years An identification of me has been used without my permission to open serval accounts that have damaged my reputation and damaged my mode of living because you furnished a consumer report without my written permission as stated by federal law 15 USC 1681b permissible purpose of consumer reports In General Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) IN Accordance with the written instructions of the consumer to whom it relates You have aided this fraud by not verfiying these accounts Congress States 15 USC 1681 Fair Credit Reporting Act ( a ) Accuracy and fairness of credit reports ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and a respect for the consumers right to privacy Account name - Fifth third bank Amount- {$300.00} Pursuant 15 U.S code 1681c-2 Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft not later than 4 business days after the date of receipt by such agency 1 proof of identity of consumer 2 a copy of identity theft report 3 the identification of such information by the consumer and 4 a statement by the consumer that the information is not information relating to any transaction by the consumer have attached all the relevant documents pursuant the above section of the law I demand all the above fraudulent accounts DELETED immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-11
Company: AES/PHEAA
State: MI
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:
I am waiting for a recount of my qualifying direct loan payments which count towards public student loan forgiveness. I requested the recount in XX/XX/XXXX, at which time they told me this would take a year, and it is now XX/XX/XXXX and the recount has still not been performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hard and soft inquires on my credit report i don't approve or validate. 

fair credit reporting act

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 2022-04-10
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient is not allowing me to make automatic payments. 

This is the popup I receive when attempting to use the auto pay : Were sorry you cant enroll in Auto Pay at this time. 

I have been making periodically payments to Navient. 

I'm receiving notices in the mail from a debt collector regarding my Original Creditor : Sallie Mae Bank, Current Creditor : Navient. 
The debt collector is : XXXX XXXX XXXX, XXXX, they are offering to settle my debt. 

Please provide me with information on how I should proceed. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have disputed the referenced accounts to the XXXX main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting the removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days, and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over XXXX months.

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 2023-10-25
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
I noticed a charge of {$96.00} from the vendor XXXX XXXX XXXX which posted near the end of XXXX on my Advantage Airline credit card managed by Barclays. I have never interacted with XXXX XXXX XXXX, and in fact didn't know the company existed until the fraudulent charge appeared. I called Mastercard number on the back of my card and the gentleman suggested they issue a new card, which happened. 

On the next bill, the charge remained, so I called the company again and followed up with a letter, attached. 

The charge remained, so I called again. This time they said they would review the dispute. The woman also said " the chip was present '' and that " since the other charges that day were not disputed '' that I must have made the charge. In fact, there are no other charges that day listed. I never had any dealings with the vendor. So, to me, this charge was just added to my account without justification or evidence that I made the charge. 

After this call, my account now showed a second XXXX XXXX XXXX  charge for the same amount. I called again and was told the 2nd charge was just an accounting error, and would be removed ( it was ), but the original charge was NOT removed. 

I have not heard anything more from Barclay 's Mastercard and the charge remains. 

In summary, I called multiple times and sent the attached letter via surface mail. I also called after this letter and they again said they would review my case. In the meanwhile, I paid all but the disputed charge. However, the charge remains and I am now being asked to pay a minimum fee and interest has begun to accumulate. I have never received anything in writing. 

I appreciate your help. I have never had a credit card company refuse to remove a fraudulent charge before, so I am somewhat at a loss here. I don't know when the next charge will magically appear, so I have locked my card for the time being and paid all but the disputed charge.

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 2023-04-30
Company: Deinde Online Services, LLC
State: FL
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 am writing to file a formal complaint against Integra Credit for their negligence in updating my charged off account to XXXX to show that the account has been paid in full. Despite providing Integra Credit with proof of payment, they have not taken any action to update my account and this has caused significant harm to my financial standing. 

I have made a full payment to Integra Credit to satisfy the debt, and have provided them with documentation proving that the account has been paid in full. However, Integra Credit has not taken any action to update the status of the account with XXXX. As a result, my credit score has suffered, and I have been denied credit and loan applications. 

I have made several attempts to resolve this issue with Integra Credit, but they have not been responsive. I have contacted their customer service department multiple times, but they have not taken any action to resolve the issue. 

I demand that Integra Credit immediately update the status of my account with XXXX to show that the account has been paid in full. I also request that Integra Credit compensate me for any damages that I have suffered as a result of their negligence. 

I appreciate your attention to this matter and look forward to a prompt resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-15
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
On  XXXX   XXXX ,  XXXX  I use d my US  Bank  Visa c redit card to donate money for my son ' s fundraiser to   adopt a child. Recen tly ( la st  XXXX   ) m y son decided not to adopt and to have   XXXX   ( who holds donated monies through We  Pay ) retu rn the donations. I am the only donator who has yet to receive my refund. My donation was the most generous amount.    I have had numerous emails with   XXXX    and   with US bank but each claims the other must still have my money. US Bank, who a while back changed my Visa card  to  a Mastercard, cl aims that if the refund was sent to my o ld Visa  acct. number it would have been rejected. Meanwhile I 'm getting emails from   XXXX   promising action on my behalf yet nothing has actually happened. I still have not had my money returned to me.   I have many, many emails from  XXXX  from  XXXX   XXXX ,  XXXX  onward until last week that would reveal how they claim to be advocating for me yet these appear to be no more than empty words.   I am not sure how to email these to 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 2022-04-10
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:
In accordance with the Fair Credit Reporting act 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, ( Original Creditor : ) # 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 2019-08-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, NJ XXXX XXXX Mortgage Company : Rushmore Loan Services Loan no : XXXX To Whom It May Concern : I am sorry for delaying my mortgage payments. I have not kept my financial responsibility to your company because I had a marital separation and family emergency. All of my assets were almost lost due to my unfortunate event. 

However, I have slowly recovered from financial depression and I am able to keep my monthly mortgage payment and if you agree to help me workout a repayment plan. 

I have a stable job with a good income, and I would like to know if I can include my daughters income. I have invested 12 years on my property and I do not want to lose my condo, it is very important to me. 

I CAN AFFORD MY MORTGAGE PAYMENT ; UNFORTUNATELY, ITS THE ARREARS I NEED TEMPORARY HELP WITH. HELP WITH a repayment plan, a reinstatement, or some other solution to get me back on track. 

I have sent a detailed report to the Consumer Financial Protection Bureau as well as FHA and HUD. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: FIFTH THIRD FINANCIAL CORPORATION
State: WV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
I have had a complaint twice on Fifth Third Bank Corp who handled my refinance after Covid.They are again performing illegal bank practices and it needs to stop. I was informed by letter that as of XX/XX/XXXX that they placed a force flood insurance policy on my mortgage # XXXX when I have active coverage and they have verified it. Their rep from the insurance company, a subsidiary of Fifth Third told me she sees my active policy and did not know why this transaction was performed on my mortgage. She had no access to my mortgage so she called the flood insurance department and got no answers, so she started an investigation. I have had two years of private flood coverage and sent proof and it is showing active and they had no right to place this policy in the amount of {$1100.00} in escrow. My payment will be raised for a policy not needed. My current policy is on record at fifth third as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and agin in XX/XX/XXXX. That's how many times I sent it before they recorded it. This issue about drove me crazy in XXXX when my loan was in medigation and refinancing was finalized through Covid Refinanacing. I have a government loan and they had to contact Fifth Third to get it done. Your agency helped as well. It looks like Fifth Third has a SCAM going on mortgage holders with this FAKE INSURANCE and it needs to stop. Please help me and if I can file anything else somewhere else on their harrassing mortgage holders, let me know. I am so tired of being mistreated, Threatened and TALKED DOWN TO. I AM A XXXX CITIZEN and it is not right to be treated, threatened, and harrassed by incompetent bank employees. I worked all my life and retired from the state government and this is wrong. Please help me. PS I finally received a letter from Fifth Third informing me that they do not have the authority or obligation to open an escrow account on my mortgage. They said they could anytime and I protested about a year ago and finally they agreed that they had not right to do that. Now, they have done it again, ILLEGALLY!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have addresses on my credit report and names that are not mine my address is XXXX XXXX XXXX XXXX XXXX my name is XXXX XXXX XXXX XXXX Ive been at the above address for over 4 years it seems that Ive been getting credit card offers with hard pulls from offer letters sent to a address that is not mine Ive tried to freeze my account but Im seeing hard pulls on my credit report can you please delete the address and the names that someone is clearly misspelling off my credit report or I will be forced to take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-10
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:
In accordance with the Fair Credit Reporting act 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 XXXXXXXX, ( Original Creditor : ) # 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 non-monetary relief