BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-17
Company: EQUIFAX, INC.
State: GA
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. The account list below violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : 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 an account without my written instructions XXXX5 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 or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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: Closed with explanation
Consumer complaint received 2022-12-12
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file. 
( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$7700.00} ; 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
Consumer complaint received 2021-08-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I filed a previous complaint with the CFPB - CFPB Case Number XXXX. In response to this complaint, XXXX XXXX from the Office of the Chairman at Citizens Bank informed me that " as of XX/XX/2021, your checking account ending in XXXX has been closed in a manner which it can not be re-opened. '' However, shortly thereafter, the checking account was re-opened, and Citizens Bank charged me approximately {$140.00} in overdraft fees. They also placed my account with their collections department. As the account was closed and I could no longer access it through my online banking, I did not know it was overdrawn and was obviously not aware it was assessing charges. I spoke with Citizens Bank about this issue, and I was told a request was made for this money to be refunded. Several weeks later and the money was not refunded. I also contacted XXXX XXXX, the representative that handled my other case, several times over the last 3 weeks, leaving a voicemail twice. Despite my attempts to contact XXXX, and her voicemail stating that she returns calls within 24-48 hours, she never called me back. I want Citizens Bank to do what they originally agreed, and refund my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-10
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am eligible for TPSLF, and I have been working in the public sector for over 15 years. I submitted my Employment Certification Forms ( ECFs ) to MOHELA on XX/XX/XXXX. I spoke to a representative on XX/XX/XXXX, and she said that my loans were transferred from the Department of Ed/XXXX XXXX to them and that it would take up to 90 business days for them to process my loan information. On XX/XX/XXXX, I contacted MOHELA to let them know that they didn't receive any information regarding my loan transfer or any information about my loan counts. The representative told me that he didn't have any information in his records that my loans were transferred and that he would put in an expedited request. He said that it would take 45-90 business days for MOHELA to receive my loan information. I have been given the run around for over seven months, and by now, I should have an accurate loan count. This has been beyond nightmarish.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: AES/PHEAA
State: CT
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dear CFPB, I have had a student loan of XXXX with AES the past several years. Last year I/ we set up a payment agreement over 160 months starting at approx. $ XXXX, the six months later approx $ XXXX and the six months later approx. {$230.00}, etc. A graduated payment plan. 
Well two weeks ago, I received a letter from the stating I have a new payment plan which would start this XXXX. This included {$220.00} for the $ XXXX loan and another {$65.00} for the $ XXXX loan! 
That amounts to almost {$300.00} dollars a month! I am XXXX y o, XXXX  and just filed bankruptcy which was XXXX in XX/XX/XXXX. 
I had a legally binding contract with them last year and now they tell me I have a new higher plan without even contacting me??? They then sent me a letter last week asking me how I felt about this new payment plan. Well I feel its XXXX!! I believe what they are attempting to do is illegal! 
Please help me resolve this matter. Some of the practices by these XXXXtudent Loan companies are ridiculous! 
Thank you, XXXX XXXX XXXX XXXX, CT. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Credit Protection Association, L.P.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account number XXXX Invoice number XXXX Balance due {$33.00} CPA Reference number XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX I do not have an account with XXXX XXXX XXXX XXXX . I have requested evidence of the account. I'd like to know who opened 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 2023-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 am writing to file a complaint with CFPB regarding the failure to provide proof of investigation in response to my dispute. I submitted a dispute to your company regarding XXXX with account number XXXX, XXXX XXXX XXXX with account number XXXX, and XXXX XXXX with account number XXXX. I request that you reinvestigate the information and provide me with proof of reinvestigation as required by the FCRA 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 2020-03-18
Company: LEXISNEXIS
State: GA
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:
Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. so I'd like to report this to ask for help in restoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: Innovis
State: GA
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:
Upon checking my credit report I found some discrepancies an item that is not mine, I believe I've been a victim of identity theft, there is a delinquency on a rental property that I do not know about. so I'd like to report this to ask for help in restoring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I believe my loan servicer and/or school placed me in a school deferment when I was not attending school. On my student aid account, I am listed as being in school deferment from XX/XX/XXXX to XX/XX/XXXX. I was a parttime XXXX  at XXXX XXXX XXXX from in XX/XX/XXXX then I transferred to XXXX University XX/XX/XXXX to complete a XXXX XXXX. I attended an XXXX XXXX  at XXXX University from XX/XX/XXXX and finished XX/XX/XXXX. I did not return to school until XX/XX/XXXX ; however I am listed as being in school the entire time. I was XXXX  full-time at a XXXX full-time this entire period as XXXX XXXX XXXX and then as an XXXX once I graduated in XXXX. The period from XXXX should count towards my XXXX forgiveness as I should not have been placed in deferment. I was XXXX  full time at a qualifying employer the entire time. I also made payments during the times I was not in school. I had no idea at all I was placed on this until I applied for XXXX for the first time until I was alerted you could find your student aid form on XXXX website. I have tried to resolve this with XXXX without any response. I also tried to resolve this with XXXX XXXX, and XXXX  XXXX. My loan servicer at that time was XXXX XXXX XXXX which has a very poor record keeping history and a bad servicer and has since closed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I submitted a loan modification package and was denied. I have appealed the denial and informed the lender I would like to do a repayment plan and my mother will assist me with repayment by buying the current mortgage and adding additional payment. I have provided the lender pay stubs from myself and my mother and was still denied. I am facing foreclosure and would like to do everything that I could to save my home. I have made some adjustments and I can afford my mortgage going forward. I dont think I was giving a review with loan mitigation department. I ask to have a chance to catch up on my mortgage, I cherish my home and will apply to the fullest to stay in my home. I am employed with XXXX County Sheriff Department in XXXX Texas. My daughter and I have no place to live if foreclosed please 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 2018-02-16
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Regarding Account # XXXX payment history reported to XXXX credit reporting agency. 
Based on my records, the 30 to 180-days past due occurrences reported in XX/XX/XXXX through XX/XX/XXXX are inaccurate. These payments were suspended at XXXX recommendation during the process of getting a loan modification approved. I established a very strong record of punctuality through over 6 years of payments prior to this modification period, with approximately 73 made since opening the account in XX/XX/XXXX. Any delayed payments after that were held up at XXXX behest and were through no fault of my own. This activity is a direct violation of the XX/XX/XXXXDodd-Frank Consumer Protection Act, and is punishable with significant fines. 
Furthermore, I have repeatedly disputed and requested verification and validation of this inaccurate debt for over two years now. XXXX has responded only with improper verification form letters that provide no backup documentation or proof of this debt being mine. To properly validate a debt by law, a copy of the original contract signed by and obligating me to the debt must be provided to myself. XXXX has negligently and willfully failed to validate this debt, and is in violation of sections 611 ( a ), 616, and 617 of the FCRA, 15 U.S.C. 1681i ( a ), 1681n, 1681o, subject to a {$1000.00} fine for each instance.

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 2023-01-28
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Good morning! 

I got a notification from my credit security monitoring company that there were some flagged late charges and fees on my Athleta store credit account and when I Called Barclays, I was told that although I paid my account in full, the bank that took over was not able to pick up my payment in a timely manner thus, it accumulated all these late fees and interests. 

I made the purchase in the amount of {$43.00} XXXX of last year and I paid in full in-received by them in XXXX/XXXX/22. Barclays took over from XXXX and my account and payment fell through the cracks! I tried to have Barclays erase all the late fees and interests that had amounted to {$250.00} and somehow, they couldnt do it due to technicalities. 

I called again XXXX, and I was told again that the least they could do is bring it down to {$130.00}. I am furious for these injustice and unfairness. I need 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 monetary relief
Consumer complaint received 2023-01-07
Company: Experian Information Solutions Inc.
State: PA
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:
NOTICE TO PRINCIPAL IS NOTICE TO AGENT AND NOTICE TO AGENT IS NOTICE TO PRINCIPAL To Whom It May Concern, Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I demand the following accounts be verified or deleted immediately. 

XXXX XXXX XXXXXXXX XXXX XXXX  In addition, please remove all non-account holding inquiries over 30 days old. Also, please add a promotional suppression to my credit file. 


Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation. 

I AM NOT A CREDIT REPAIR COMPANY

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 2023-02-18
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: Their investigation did not fix an error on your report

Complaint:
Ive disputed information on my credit report over 100 times over the last year and 2 months. I have provided a police on XX/XX/XXXX, XXXX ive provided several identity theft reports, and also have provided my credit report from other companies showing the inaccuracies present ob my credit report. 

XXXX XXXX XXXX Account # : Balance : {$43000.00} ( Identity theft ) This is a personal loan I never agreed to and have no knowledge of it was deposited into a fraudulent account that XXXX XXXX  closed down. Also the company sold the debt to XXXX XXXX XXXX XXXX, even though they provided no evidence the account was mine. Ive requested evidence for 8 months. 

XXXX XXXX XXXXXXXX Account # : XXXX Balance : {$9200.00} This account was paid by my Gap insurance so amount of XXXX is incorrect. the true amount was XXXX. The incorrect amount has been showing on my credit report for 2 years now. even though the account was reported as income as XXXX XXXX XXXXXXXX via a 1099-C and paid through my personal taxes. its still being reported falsely on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent letters to XXXX, XXXX and TransUnion on ( date of 609 letter ) regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over ( date since 609 letter was sent ) and I have not received a response from anyone. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-10
Company: Applied Data Finance, LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I requested a FORM 1099-C from Personify Financial. They ignored my request, pursuant to 15 USC 1681s-2 See letter labeled Exhibit A The Internal Revenue Service defines a CHARGED OFF debt as Gross Income or Ordinary Income. Income does not get reported on a consumer report.

Personify Financial are furnishers of information to a consumer reporting agency. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall NOT furnish any information relating to a consumer reporting agency if the person knows or has reason to believe that the information is inaccurate.

I requested a FORM 1099-C NOT a request to validate an alleged debt. See letter labeled Exhibit B which confirms the account was charged off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-06
Company: NEW YORK COMMUNITY BANCORP INC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Numerous attempts to modify the mortgage and every attempt is met with resistance. 
Uploaded and faxed requested information multiple times only to be told it was not received. I received a phone call in the end of XX/XX/XXXX that modification was approved and would receive documents in the mail. Documents never sent and when I spoke with Flagstar afterward they completely denied the call and kicked me out of the modification. 
XXXX of XXXX The CFPB took action against Flagstar and forced them to pay XXXX XXXX for the exact same reason listed above. I have plenty of proof if you need along with documents at your request. 

Looking for assistance to finalize modification. 

Regards, 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 2020-03-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account with US bank on XX/XX/20, US bank requested additional information which I provided. I did not hear from them for a while. I tried calling them several times, sending emails, leaving messages and no one ever got back to 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