BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-07
Company: CITIZENS FINANCIAL GROUP, 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:
It shows on my credit report that I open a new credit account with a balance of {$1200.00} from Citizens XXXX XXXX XXXX But I haven't open a new account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 noticed that the Credit Bureaus are not reporting the same information on my credit report among each other, which means its incorrect. TransUnion and XXXX are reporting my XXXX student loan as late when it should be as what XXXX is reporting which is current. This has caused me a lot of stress trying to fix this situation. They must hold the agencies that they collect information from to the law, and furnish only the correct information under the FCRA 623 ( a ) ( 2 ) ( B ).

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 2018-04-12
Company: AES/PHEAA
State: CA
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:
When I took them out, my loans were originally held and serviced by XXXX. My loans went to XXXX because I had expressed an interest in the Public Service Loan Forgiveness ( PSLF ) program from the very beginning. I graduated in XX/XX/XXXXand began making payments in XX/XX/XXXX with my XXXX stipend. On XX/XX/XXXX I submitted paperwork to XXXX to verify that I was meeting the requirements for the PSLF program. XXXX verified the paperwork and walked me through the consolidation process, which I completed through XXXX. While I was made aware that the consolidation was a necessary component of the PSLF program, I was not made aware that any payments prior to consolidation would not be counted toward the 120 payments required for loan forgiveness. In XX/XX/XXXX, I submitted employment verification again and was informed by XXXX that XXXX was the new servicing agency for PSLF participants and on XX/XX/XXXX, my loans were transferred to XXXX. I started a new job in XX/XX/XXXX and when I submitted the employment verification to XXXX, I was informed that my loans were not consolidated and would have to be consolidated before any payments could be made that would count toward the PSLF program. 
My complaint is this : I have met all of the requirements to qualify for the PSLF program and have been making payments for seven years. I was given misleading information at several points throughout this process- I have consistently identified my interest in participating in the PSLF program. I have completed each requirement as it was described to me. Further, I have already consolidated my loans at least once. I believe that I am being treated unfairly and taken advantage of and further that XXXX and/or XXXX are committing fraudulent acts in order to disqualify my previous payments and lessen the total amount of the loan which will qualify for forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: SYNCHRONY FINANCIAL
State: MD
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:
XX/XX/XXXX To whom it may concern, I am writing this letter due to numerous disputes with XXXX XXXX in regards to my closed Amazon credit card account. 
On XX/XX/XXXX I contacted Amazon customer service after finding out that during my 10   months of XXXX my Amazon credit card had been compromised and my account was closed with a balance of {$450.00}. I spoke with a representative by the name of XXXX XXXX, who refunded the {$450.00} to my Amazon credit card. I have emails from Amazon over the course of three days from XX/XX/XXXX to XX/XX/XXXX. XXXX XXXX is insisting that I pay the {$450.00} even though the charges are no longer valid. 


Sincerely, 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 2020-07-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
I have submitted the information they have requested of me for over a month but they still will not remove the freeze from my reports but they still have not done it. This causing me to not be able to get credit to help build my credit up. 
I have send them copies of all my id 's and all the other paper work they have requested of me. 
Please help me to get this matter resolve soon as possible because the bank can not issue me the loan they have approved me for. 

Thank you XXXX XXXX Cell : ( XXXX ) XXXX Email : 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 2023-01-06
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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-10-22
Company: ALLY FINANCIAL INC.
State: PA
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: Problem with personal statement of dispute

Complaint:
I attempted to resolve this issue with creditors and company. I explained to the company that I was going through a divorce in XXXX prior to that I had an excellent payment record. 

1 ) Ally Financial - late payments in XXXX, XXXX, XXXX, XXXX & XXXX of XXXX : 2 ) Late payments in XXXX, I was affected by COVID 19. 
In XXXX, I experienced a very difficult year, as my ex-husband and I was going through a divorce. Prior to our separation, we live jointly in the home and it was a mutual agreement that we would split all expenses 50/50 however, my ex-husband fail to meet his financial agreement. I was required to pay all expenses in full which was a huge adjustment for me at that time.

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 2023-04-27
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX 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 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

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 2023-02-16
Company: EQUIFAX, 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:
In accordance to the Fair 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 a right to privacy.

15 U.S.C 1681 Section 604 Section 2 It also states a consumer reporting agency can not furnish an account without written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-22
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2021-06-04
Company: EQUIFAX, 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 WAS REVIEWING A COPY OF MY CREDIT REPORTS AND NOTICED SEVERAL ACCOUNTS THAT DID NOT BELONG TO ME I CAN NOT BELIEVE THIS IS HAPPENING TO ME THESE ACCOUNT ARE WITHHOLDING ME FROM PROGRESSING PERSONALLY AND MY FUTURE ENDEAVORS THEY ARE TREMENDOUSLY AND NEGATIVELY AFFECTING MY LIFE AS WELL AS MY CREDIT, I HAVE FILED A POLICE REPORT AND A FTC REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: HYUNDAI CAPITAL AMERICA
State: WA
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 had a lease from Kia motors finance and my monthly payments were {$250.00}. I made automatic monthly payments of {$270.00} every month on the XXXX of each month. On XX/XX/XXXX, the last month of the lease, I called and had the lease extended into a month to month agreement. During the call I was required to make another payment in the amount of {$250.00}. After making the payment, two days later I received an email saying I was late on the payments. I called Kia finance, they corrected the amount and said they would clear up any credit report issues. Following that, on XX/XX/XXXX I received a monthly statement saying I was past due {$1700.00} even though I had never missed a payment. Again I called and they corrected it in their system. My statement in XXXX showed a normal balance due of {$250.00} for XX/XX/XXXX. I then sold the vehicle before that date. 

All of this occurred in XXXX. Up until this, I had good credit reporting of the lease payments. After this incident, Kia changed my credit reporting for months in XXXX to showing I was late on payments even though I have statements showing {$0.00} due every month of 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 2020-10-22
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I '' m short selling the house, I have a signed contract and proof of funds but the mortgage company ( flagstar ) Keeps loosing the documents, delaying the process, due to this the documents will expire one day after their review is done so I will have no time to fix any issues. 

I found the following list of abuses by Flagstar on the CFPB website. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-flagstar-bank-for-violating-new-mortgage-servicing-rules/ - I'm having these same issues from your list.

Closed borrower applications due to its own excessive delays.

Delayed approving or denying borrower applications Failed to alert borrowers about incomplete applications Flagstar does not define what needs to be on the documents they request, so there is no way of knowing if you have met their requirements. Most of their customer service people can't find documents that are in their system so they tell you they are not there. But if you get someone who was trained properly ( 1 out of 4 ), they find all the documents ( same day ). The ones that can't find the documents lie about it and ask you to send them again. 

The CS people say they will call realtor about any issues but never do. They will tell you they did but realtor has no missed called or messages. The phone number they use should be from the 3rd party authorization form that the realtor filled out.

Clearly Flagstar is a predatory bank and/or grossly incompetent.

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 2022-03-02
Company: Navient Solutions, LLC.
State: FL
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:
In XX/XX/XXXX navient transferred my loans to XXXX. 

Navient verbally gave me the following information but it is not in my account. My concern is they are not being upfront about the 4 years of forbearance/defaults on my account. 

on XX/XX/XXXX at XXXX -poke to XXXX, ( employee id XXXX ), she provided the following information verbally. They are telling me that they transferred my account in XXXX which is not correct. 


XXXX XXXX XXXX school deferment XX/XX/XXXX XXXX XXXX, XXXX XXXX month grace period until XXXX XXXX XXXX 12 month forbearance XX/XX/XXXX XXXX XXXX XXXXpast due status - delinquency XX/XX/XXXX XXXX XXXX school deferment XX/XX/XXXX, XXXX XXXX XXXX XXXX months delinquency XX/XX/XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - delinquency - 1 month XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX, XXXX delinquency XX/XX/XXXX -XXXX  XXXX, XXXX forbearance XX/XX/XXXX XXXX XXXX XXXX delinquency XX/XX/XXXX XXXX XXXX XXXX status XX/XX/XXXX XXXX XXXX XXXX - in school deferment XX/XX/XXXX XXXX XXXX XXXX - delinquency XX/XX/XXXX - XX/XX/XXXX - repayment status -level standard payment ( can not confirm the amount ) XX/XX/XXXX - XX/XX/XXXX - delinquency XX/XX/XXXX XX/XX/XXXX XXXX admin forbearance XX/XX/XXXX XXXX XXXX XXXX - repayment status -standard XX/XX/XXXX XXXX XXXX XXXX - Admin forbearance - applied for consolidation XX/XX/XXXX XXXX NO RECORDS OF IT ( INCOME PAYMENT BASED BUT COULD NOT CONIFRM ) For 4 years i was in and out of forbearance and delinquent accounts, received hits on my credit report and not given any options until i was delinquent for 2 months.. I was never given an opportunity for an income based repayment plan until XXXX when loans were consolidated. Also, i have multiple private loans that were co signed by my father. No one knows how or when they were requested we have tried reaching out to Florida XXXX & XXXX for more information and have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-25
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a closure letter In the mail One year and two months after getting my Citi credit card. The letter stated that the card was not utilized enough so it was closed I was never told this from Citi as many times as Ive called them. When I touched base on Friday XX/XX/XXXX Citi stated they would open my card back up I would receive a letter in the mail verifying that and it would never report to the credit bureaus that my card was closed GREAT news except for the part where they lied about that and canceled the request when I got off the phone. I called back in to find out some more information and was notified that my card was closed and I had no regards to getting it back unless I just applied for another card. Ill I got was Ill make sure I inform her manager About what that she was misleading the services in which were stated that I was getting provided. I mean at the end of it all I was never notified my card was closed then I was lied to about the terms and conditions of my card being reopened.

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 2021-11-28
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have three accounts with Comenity Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I paid all three accounts in-full XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have always received paper statements for all three accounts and never signed up for paperless statements. For the 1st time since paying the accounts off in XXXX, I received a bill in the mail XX/XX/XXXX for XXXX and XXXX XXXX XXXX XXXX stating I have a balance. I called Comenity Bank about the matter and was told I had incurred residual interest which I wasn't aware of since I didn't received a bill, which also caused late fees and reporting late to the credit bureau. while questing the representative I inquired about XXXX XXXX and found the same had occured with that account as well except I have never received a bill to date. I believe this all to be a fraudulent act against me on the part of Comenity Bank. I'm asking your help to resolve this matter and avoid this from happening to anyone else! I have paid the fees to avoid any further attack against my credit. I pray Comenity Bank will refund the wrongful fees and interest charged and remove any negative reporting that has occurred since the accounts were pain in full XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-16
Company: FinCo Services Inc DBA Current
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
My current bank account was hacked for {$500.00} XXXX  on XXXX XXXX. I filed a dispute with my bank letting them know it was not me and the charge was not authorized. They proceeded to close my dispute and told me I could not be credited

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX Data breach and may have got into the hands 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 2023-05-04
Company: TekCollect Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My dog was taken to XXXX they told me the dog needs this done an that I personally told them once they told me total I didnt have the money an that I would just leave with my dog. They then came out said my dog was under XXXX XXXX an I stated again I cant provide that type money came back out said the dog had died. An now Im receiving rude phone calls an bills in the mail of medical bills. I dont have!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation