BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The amounts are not correct loans were closed and sold and no validation of the loans are being provided as requested. Charges are tripled from orginal debt.

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 2020-12-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The amounts are not correct loans were closed and sold and no validation of the loans are being provided as requested. Charges are tripled from orginal debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
XXXX, XXXX, and Transunion are reporting Fraudulent on my credit report. XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX are not my accounts. XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX hard inquires are not mine and unauthorized.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was still found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. THE LATE ACCOUNT BELOW NEEDS TO BE CORRECTED OR UPDATED COMPLETELY FROM MY CREDIT REPORT : DEPTEDXXXX XXXXXXXX

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 2023-01-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received a credit alert that someone had attempted or pull my credit on XX/XX/2023. I knew I had not, so I logged into my credit monitoring site, and there was COMENITYCAPITAL/XXXX. I had no knowledge of this company and why they would pull my credit file. I then immediately contacted XXXX to dispute the hard pull to my file. While waiting, the next day, I came home to a letter addressed to my husband with the same name COMENITYCAPITAL/XXXX on a letter. When he opened the letter, it stated they needed him to contact them to finish the application. My husband had not applied for any such account. We have not been able to get anyone on the phone. Also, XXXX removed this pull from my credit file. I am concerned this is some scheme or target. I need to know what I can do to protect my credit from this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-10
Company: PLANET HOME LENDING, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on my mortgage on XX/XX/XXXX. Shortly after closing I was notified by the Lender that I was required HO6 insurance. This information was not made available at any point before or during the closing process. As a matter of fact, I closed without having HO6 insurance. I never had it since I bought the property in XXXX. 

I find unethical, and perhaps illegal that Planet Home Lending is asking for that insurance now. I would definitely would not have close on this property had I known of this issue. 

My loan broker was : XXXX XXXX XXXX XXXX NMLS ID # XXXX P : XXXX F : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-18
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I was steered by XXXX XXXX XXXX to take out student loans through Sallie Mae ( i.e. Navient ) that totaled roughly {$16000.00} at the time I graduated with an XXXX XXXX XXXX in 2007. At that time, I was told that the only work in my field ( XXXX ) that I was qualified for was as an unpaid intern ( at multiple job interviews ). I have never worked in my field of study, and sadly, I never will. Through the next few years I struggled financially, and Sallie Mae was more than happy to grant me a forbearance, never telling me that I could have qualified for income driven repayment that could have saved me alot of money. My current payoff is now over {$33000.00}. I contacted Navient last year and offered to pay off the original debt, but they could not be swayed to forego the ridiculous amout of interest accrued ( and still accruing ). Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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 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 2022-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$29000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX KY XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

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 2023-02-10
Company: Experian Information Solutions Inc.
State: NJ
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:
Hi, My name is XXXX XXXX XXXX. I sent a letter concerning erroneous and unknown things on my XXXXredit score record. To this present day, over 30 days later, I actually have no longer obtained a response yet. I sense like Im being taken advantaged of and being unnoticed. Section 611 ( a ), It states that failure to research these objects inside 30 days offers a purpose to straight away remove those items from my credit report. Its been over 30 days so they have to be deleted directly. I demand that those debts be deleted without delay or I will report for litigation due to the stress you have caused me. My records turned into also impacted by way of the XXXX data breach and might are becoming into the fingers of the wrong person.

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 2018-07-18
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj 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 2018-07-18
Company: EQUIFAX, INC.
State: NJ
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CT XXXX ph : XXXX XXXX XXXX my loan no. XXXX loan was transfered to this co ON XX/XX/2018 and modified, i started making payments on time from XXXX onwards but this co has put late 180 days on my all 3 credit bureaus while i never paid them late since, now after multiple reminders and they did agree to their mistake and are still not willing to remove the late that was caused due to their incompetence. 
i want the negative late of XX/XX/2018 to be removed completely. 

XXXX XXXX XXXX XXXX XXXX XXXX, nj XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Mr. Cooper Group Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
FHA Mortgage secured by my primary residence and my Servicer was XXXX XXXX. In XXXX of XXXX, due to COVID I had entered into a forbearance agreement with XXXX XXXX. 

Upon the expiration of the Mortgage Moratorium, I had been approved for a Loan Modification with Freedom Mortgage on XX/XX/XXXX. 

This loan modification was on file with XXXX XXXX, notarized, signed by all parties by XX/XX/XXXX. 

The first payment of the loan modification was due on XX/XX/XXXX. 
I made the first payment as agreed for {$2400.00} Within 30 days, in XXXX of XXXX I was transferred to Mr. Cooper. 
The stated they never received the loan mod docs from XXXX XXXX. 
( **Which was later revealed they were received by Mr. Cooper by another Agent** ) They are NOT honoring the LOAN MODIFICATION from my original servicer. 
They have started foreclosure process- HELP!!! 
I am a Licensed Mortgage Loan Officer in 5 states - I believe I have been a victim of a multiple violations of XXXX XXXX and XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Date : Applied for a credit card on XX/XX/XXXX with XXXX XXXX. 

Summary : After application, I did not receive bill by mail or e-mail. Never used the card after receiving the card. Did not receive notice when amount was due. Bank representatives called to warn but refused to send written notice or explain why notices never came. I was clueless about how to make payments. Do not know how to cancel the card. 

Actions : I applied for a XXXX XXXX credit card for an in-store purchase on XX/XX/XXXX. The item purchased was {$27.00}. I left my e-mail account, mail address, and phone number with XXXX XXXX in the application. The card was mailed to my address. However, I never received a physical bill statement or electronic notice. The amount became due on XX/XX/XXXX. I failed to pay because I incorrectly assumed I could not use the card before it was delivered to me and that I had paid for the item with another card. Around XX/XX/XXXX, I received an anonymous phone call regarding late payment. I was worried and promised I would go home and check. After I got home, I realized I did not have a statement to verify the amount and not even the company to which the amount was due. I couldn't call back because the number was anonymous. In XX/XX/XXXX, I received another anonymous phone call. I asked the lady to send me a written notice about the bill and all relevant information. The lady said she did not have my e-mail account. I felt incredulous as I kept getting XXXX XXXX promotion e-mails. I asked why I had never received a mail about the bill. She refused to confirm mail address with me. At some point, I lost connection with caller because I was on subway. Again, I couldn't call back since it was anonymous. I called XXXX XXXX and found out the company was not in charge of credit card services. I searched online and finally found a webpage to " register '' for the card I applied with XXXX XXXX. It was only until then that I learned the real card company -- XX/XX/XXXX. I finished the registration process and paid the full amount on the website. I wondered why the bank could not give me proper notice. My credit score went down. And this is the first time I ever had a late payment in life.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-19
Company: General Motors Financial Company, 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: Didn't receive services that were advertised

Complaint:
Hi, I tried to use XXXX XXXX service. And I found there that I have 10 credit inquiries. It considers as hard credit inquiries. But I didn't do it. Maximum - it's 2-3 times for 2 years. So I suspect the identity theft. Can you help me with it, please?

Here the list of companies, were I didn't take and didn't request for credit, but I am in the system, why??

XXXX, XXXX XXXX, XXXX  XXXX, XXXX, XXXX XXXX   XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-05
Company: CITIBANK, N.A.
State: CA
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 would like to invoke : " The Fair Credit Billing Act is a 1974 federal law enacted to protect consumers from unfair credit billing practices. It enables individuals to dispute unauthorized charges on their accounts and those for undelivered goods or services. The Act provides consumers with protection from unfair billing practices such as : *Charges not authorized by the consumer* Charges with the wrong date or amount. 
CHARGES FOR GOODS OR SERVICE THAT WEREN'T DELIVERED. 
On XX/XX/XXXX I made an inquire thru the CFPB with case number XXXX XXXXXXXX. 
It looks CITIBANK doesn't want to protect my rights I stated this because I received 2 contradictory letters from them, One from XX/XX/XXXX, and another one from XX/XX/XXXX. ( Enclosed ) In the letter from XX/XX/XXXX Citibank stated : They are working with the merchant to get a permanent Credit for the charge of {$1000.00}. How ever in its letter from XX/XX/XXXX, They Stated : " The Merchant will not honor our request for credit based on the information you provided '' Since we are unable obtain a compensation from the merchant your account has been rebilled. 

Its Clear to me Citibank doesn't want to pursue its money under the Terms of VISA and the FAIR CREDIT BILLING ACT, they wanted me as consumer to dispute this charge with the merchant, even I fully explained with supporting documentations I had to pay a second Merchant for the defective and incompetent services I received from the 1st merchant, I can not pay twice for the repair of the same Item. 
I'd like to have the CFPB to make Citibank follow the terms and conditions of VISA and to respect and uphold my consumer protection rights I have under the Fair Credit Protection Act, I will cc the FTC on this issue due to the Citibank 's Violation to the Fact Fair Credit Protection Act because I used a VISA CREDIT CARD and as Consumer I do have some protections rights, while this request is pending I will fully dispute the amount of {$1000.00} and I will make liable Citibank if they report this amount to the Credit Agencies to damage my credit also if they initiate any collection activity in regards that Visa Credit Card.

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 2023-01-12
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX of XXXX someone broke into my vehicle and stole my phone, purse, identification, bank cards, check book and other items. That year this person used those items to deposit a fraudulent check into my personal checking account and they ruined my business account that was in the business name of XXXX XXXX XXXX XXXX XXXX. 

I have made several attempts to clear this matter up including taking the police report into the bank and have a representative send it up to the proper servicing center on 3 occasions in XXXX. I also mailed a copy with my explanation to the customer service center in XXXX, North Carolina. 

Truist is still treating this matter like it was my fault. They closed both my accounts and have refused to talk to or do business with me further. I understand they take fraud very seriously as I do as well. I am the victim in this situation and Truist has treated me very unfairly even with my evidence proving I did not complete the fraudulent transaction. 

They are also reporting the activity to XXXX XXXX and XXXX XXXX XXXX which has kept me from getting any credit since this happened. 

This has caused mental pain, XXXX, anguish, homlessness, embarrassment, pain and suffering. I had to close my business due to being misreported and misrepresented. 

This is unlawful according to : 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 explanation
Consumer complaint received 2023-02-11
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
Theres address listed I never lived there and also incorrect addressTHE ONLY ADDRESS SHOULD BE ON MY CREDIT FILE IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl 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 2018-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I have contacted TransUnion for the past 6 months about the 2 fraudulent Bk 's and a collection account on my credit. I have reported the fraud to the FTC and provided TransUnion with the FTC case number, filed a police report, had it stamped and I had the police report and my personal statement notarized and the 3 fraudulent accounts/errors remain. 

US BKPT Identification Number XXXX US BKPT Identification Number XXXX XXXX XXXX Account Number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-22
Company: Radius Global Solutions LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I tried to pay debt in full they told me I could but would not remove from my credit also would not send a letter stating it was paid

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