BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
On XXXX XXXX 2020, XX/XX/XXXX closed down all 5 accounts I have with them without notification. I received a letter from them with the reason of closing down the accounts. The reason is high risk of failure to pay with no credit agency reported as part of the decision. All accounts with XX/XX/XXXX were in good standing and never late paid. XXXX XXXX limit XXXX with Balance of XXXX, XX/XX/XXXX limit of XXXX with balance of XXXX, XX/XX/XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX, XXXX limit XXXX with balance of XXXX. All said account are been paid accordingly. When these accounts were closed, it hurt my credit by -38 points. I tried to get a clarification from the grantor but none was ready to give me a good reason for closure of these accounts.

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 2018-03-03
Company: Flagstar Bank, N.A.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Flagstar Bank issued a check to me dated XX/XX/XXXX in the amount of {$2200.00} ( attached ). There was no documentation attached. The check notated " For Misapplication Reversal. '' I contacted Flagstar Bank on XX/XX/XXXX for more of an explanation, and was told the check was in error, further stating that XX/XX/XXXX mortgage payment was reversed and must be paid again, in lieu of the check received. Note : XX/XX/XXXX  mortgage payment is XXXX. I suggested sending the check back, and was advised this is not a good option, as it would slow the process down, or result in reissuance of the same check. Meanwhile, XX/XX/XXXX  payment incorrectly reflected as " unpaid. '' To avoid negative reporting history, I deposited the check on XX/XX/XXXX and paid XX/XX/XXXX  payment for a second time. Bank payment receipts are attached. 

Upon researching " For Misapplication Reversal, '' I located United Stated of America Consumer Financial Protection Bureau Consent Order document File No. XXXX against Flagstar Bank. I am a consumer improperly denied a loan modification in XX/XX/XXXX. As a result of denial, and Flagstar 's unwillingness to assist my family in the financial hardship following the loss of our child and wages, we filed Chapter XXXX in XX/XX/XXXX. The Chapter XXXX was discharged XX/XX/XXXX. 

Additionally, Flagstar Bank recently sent inaccurate documents regarding late payments. The latest dated XX/XX/XXXX is attached. When inquiring with Flagstar, responses were that the documents were sent in error and to disregard. 

Due to the numerous non documented errors by Flagstar and awareness of Consent Order, I am requesting an investigation to ensure that any monies owned to me by Flagstar are properly paid. 

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 2022-08-10
Company: Experian Information Solutions Inc.
State: FL
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:
I am submitting this complaint after attempting to settle this problem with both the furnisher and the credit agency both seem to be ignoring me. The only company that help me resolve this issue was XXXX, Experian and XXXX are reporting this unverified account. They failed to respond in a timely manner to my dispute letter time after time, Its been 5 Months. I had reason to question the validity of this account because they are reporting inaccurate dates open and I do not recall ever going into any XXXX company building I asked them kindly to provide me the documents supporting their claims on the alleged debt and also the original date the account was open how ever they failed to do so. Federal law requires the credit agencies to respond within thirty ( 30 ) days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) see 15 USC 41, et seq.

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 2020-12-01
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Ever since I started paying off my student loan, I haven't stopped making payments as its been set to auto deduct on a monthly basis. 

However, Navient has claimed whenever I try to change or signup for better payment plans like IBR, it has caused my student loan payment benefits to be cancelled when its a flaw with the their system. 

I've only taken loans for two schools and the benefits were originally all the same until I needed to adjust payment plans from day one. 

Benefits : Auto Debit Benefits Interest Rate Reduction The most troublesome of all the issues are because the loan lender keeps selling my loans to different lenders as well. So the terms existing with the prior loan lender could never be revisited easily because the information gets archived. 

Example : I graduated college a semester late. The loan lender and the school never followed up with each other to confirm that I was still in school an extra semester. XXXX who was originally the loan lender charged me a {$500.00} insurance penalty with it was an administrative error between them and the school. I had followed up with the school but XXXX never refunded me the penalty. By the time, I was able to revisit the issue, they had transferred my loans to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Experian Information Solutions Inc.
State: CA
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  Account # XXXX ( XXXX XXXX ), # XXXX ( XXXX XXXX XXXX XXXX XXXX # XXXX ( XXXX 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 an account without my written 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 explanation
Consumer complaint received 2021-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have been trying to fund my brokerage with XXXX however the bank is not allowing me to transfer available and verified funds and has blocked the use of my Atm Debit card as well as ACH transfers to this 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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$660.00}, {$0.00}, {$1600.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$660.00} -This is not my account. 


-- AUTO ACCOUNT 3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- COLLECTION ACCOUNTS 4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my 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 2020-12-01
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-12
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
To Whom It Concerns : I have previously sent you a request to validate an alleged debt under the Fair Debt Collection Practices Act and all I received were dates of electric service spanning from XXXX to XXXX, along with the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. This inaccurate document contains no accounting of any payments made nor missed, nor the dates on which those payments were made or missed. There isnt even any documentation with my signature on it that proves this is even my account at all. This information could have easily been drawn up and sent by anyone. Your verification document in no way provides sufficient verification of this alleged debt. There isnt any legitimate, verifiable proof that I owe anything to your Company and I don't. 

This collection on my credit reports are causing me severe problems in trying to purchase a home and the damages could lead into the $ 1000s. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. The Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report. Therefore, if you do not immediately remove this account from all Credit Bureaus, you are subject to another {$1000.00} FCRA violation fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 

I intend to follow through with the suit if these unverified charges are not deleted from my credit reports within 15 days. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2023 around XXXXXXXX XXXX  received a knock on the door from an assumed process server. The man handed me a fax copy letter with my service address and another address of an unknown party. I contacted XXXXXXXX XXXX XXXXXXXX and was unaware of the process server. The debt collector information XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
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: Investigation took more than 30 days

Complaint:
This complaint serves as a formal notice that you have failed to respond to my dispute letter of ( XX/XX/22 ). I sent this letter via the CFPB online, and certified mail. 

As you are well aware, federal law requires you to respond/complete within 30 days. It has now been over that period since the receipt of my letter. As you are aware, failure to comply with federal regulations is in serious violation of the Fair Credit Reporting Act and may be investigated by the FTC. I am maintaining detailed records of all my correspondence with you. 

I am sure this was an honest oversight, or you just misplaced my letter due to the high volume of requests you receive daily. In any event, Im sure youll want to handle this matter immediately. 

Please reference my original complaint CFPB case # : ExperianXXXX : XXXX ACCOUNTS TO BE IMMEDIATLEY DELETED : 1. Original Creditor is - Unknown - Acct Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Acct # : XXXX XXXX. Original creditor is Unknown - Acct Name : XXXX XXXX XXXX, Acct # : XXXX* 3. Original creditor is XXXXXXXX XXXX  - Acct Name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX Acct # XXXX XXXX ; 4 . Original creditor is XXXX XXXX XXXX  XXXX XXXX Acct Name : XXXX XXXX, Acct # : XXXX. 

5. Original Creditor is XXXX XXXX Acct Name : XXXX XXXX XXXX XXXX XXXX, Acct # : XXXX ; 6. Type of Account : XXXX XXXX XXXX Public Record : Ref Number : XXXX Also provide me with an updated copy of my credit report after deletions.

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 2018-03-03
Company: CITIBANK, N.A.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have received a Cancellation of Debt from the IRS, as for 2017, from my XXXX XXXX old debt, and I still have the balance due in my credit reports. Also, as of the Statute of Limitations on Debt, I need that all the old debts on my reports be DELETED, because as of this Statutes, they should not be in my credit records, for the Virginia State are 3 years, only to appear on credit records. 

I will very much appreciate your help, because I need to get a job and my credit report is not helping. I am not working right now.

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 2020-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Transunion made me put my credit card information as if it is for account validation purposes, then they charged {$24.00} for a credit report ( monthly subscription ) I never asked for. I only wanted to file a dispute, moreover, XXXX XXXX provides this information free of charge. 
I tried to cancel the subscription, yet their website logs me out each time I press on cancel. If this isn't a blatant scam I am not sure what else is. 

- It never informed me I am being charged {$24.00} - It pretended to be a free credit score report. 
- It won't let me cancel the auto subscription. 
- They overcharge or charge for something XXXX XXXX or XXXX XXXX provide with for free.

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 2020-12-01
Company: General Motors Financial Company, 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:
There were never consent for the number of inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting 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:
I DO NOT APPLY FOR THIS INQUIRY XXXX XXXX XXXX XXXX  AND THESE ACCOUNTS, I DON'T KNOW WHERE THEY CAME FROM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30
Company: Experian Information Solutions Inc.
State: MN
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:
For some time I did not know what was going on with all these fraudulent accounts on my credit report. Then I found out that my son and ex-wife potentially open the accounts in my name. for many of the accounts they did not have my correct Social Security number. So there is no way my Social Security number is on any original application that these people could have. In fact most of the information would likely be wrong because it was not me. These accounts have come back confirmed somehow as my accounts when they are not I need something done about this immediately please. This is affecting my financial situation in a negative way.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-24
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've sent a letter last XXXX it almost 30 days now and no response yet. The following accounts were used without my permission this issued hinders my life and causes me stress. I got a low credit score!. I am a victim of Identity Theft. I need help to resolve this Issued. I demand to delete immediately the following accounts!.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: Bread Financial Holdings, Inc.
State: FL
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 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: First Credit Services Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had contacted First Credit Services several times over the past week and received no response. They provide the option to pay online but no way to actually do this. I need to know how to submit payment online because I do not have enough information given by your company to complete the payment section online. At this point, they have called me after requesting them not to so they should be paying me at this point. 

I formally requested a validation letter of my debt. As per their original document, I am requesting this before XX/XX/XXXX so you must stop collection of this debt until you provide me with the requested documents. Any attempt to contact me after my originally request on XX/XX/XXXX at XXXX EST ( to which they have already attempted to contact me through phone on XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX ) is a violation to my rights under federal law. I have requested this numerous times over the past week ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX ) through the email provided and the contact us section of their website and I still do not have any documents yet they continue to pester me through phone calls and voicemails. 

I requested that they DO NOT attempt to contact me through phone. They may only contact me through email or mail.

Company response to consumer: Closed with explanation