BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: AES/PHEAA
State: FL
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:
My federal student loans were placed in deferrment multiple times as my servicer changed. I'd like to back pay these months to count toward my PSLF counts. I've reached out to Fed Loans ( my current servicer ) and USDoE multiple times but have never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear Sirs ; I have written a number of letters to Bull City Financial Solutions about this alleged debt. I have asked for information so that this debt can be validated. I only received one response, that did not validate the debt I finally sent the an open contract of " Estoppel by Silence '' this two was ignored. By law they have given up all claims related to this alleged debt. The company still has not responded to my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have sent out at least 2-3 letter asking the 3 credit bureaus to verify and investigate the Bankruptcy they say is accurate and has been verified on my credit report. I have not gotten any factual proof of their investigation, yet they continue to report.

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 2023-04-11
Company: Bread Financial Holdings, Inc.
State: OH
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:
On XX/XX/2023 fraudulent account with commenity bank/Ulta was opened. On XX/XX/2023 I contacted the bank and notified that this account was fraud and opened due to identity theft. Bank promised to removed, it took multiple calls to finally receive a letter in the mail that this account is fraud and it will be removed. This account is still reporting to my XXXX credit burea as closed account.The credit Bureau refuses to remove it and Commenity bank is not willing to escalate this issues. Please I want this account and inquiry to be removed immediately since XXXX and XXXX. removed it immediately. It has been over 90 days and this account is still reporting. Commenity bank is very hard to deal with and the are not consumers friendly. This issue should be escalate since I already attempted multiple time to resolve this issue if not I will seek legal action against bank and XXXX. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Flagstar Bank, N.A.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
1 ) The mortgage servicer FlagStar Bank has failed to accept and permit the submission and review for Mortgage Assistance to XXXX XXXX XXXX and XXXX XXXX XXXX. Mr. & Mrs. XXXX were denied a modification in XX/XX/XXXX. However, the reason for denial, being the lack of 4 payments within the 1st 12 months of origination was accepted by the note holder/mortgage insurer FHA. 

2 ) FHA whom insures the mortgage agreed to provide an exception based for the XXXX mortgage, so that a modification could be provided. However, FlagStar Bank did not follow up on appeal process provided by the XXXX. FlagStar also neglected to follow through with FHA/HUD and honor the exception provided ; so that modification can be obtained. 

3 ) FlagStar Bank improperly started the foreclosure process prior to the customers, XXXX XXXX XXXX and XXXX XXXX XXXX being 120 days delinquent. Federal Law requires a 120-day Pre-foreclosure period by CFPB mortgage assistance guidelines, ( per 12 CFR 1024.31 ) The promissory note or any other loan contract does not contain a due-on-sale provision, thus 120-day rule is in effect.

4 ) FlagStar Banks behavior constitutes dual tracking, based on the process starting before the 120-day delinquency period and FlagStar Bank representatives stated that file would be reviewed for mortgage assistance programs and exception provided by FHA/HUD would be honored ; however instead a sale date was entered into the system for XX/XX/XXXX.

5 ) FlagStar Bank did not review application instead FlagStar Bank ignored submission that was received 45 days before sale date ; and entered a new sale date of XX/XX/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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

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

Company 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 2019-09-30
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
my name is XXXX XXXX from XXXX NY. On XX/XX/XXXX while I was in upstate NY, someone withdrawl {$900.00} from my CITIbank account. I called CITIbank the next day after my card stopped working and told them someone has got access to my bank account and withdraw the money. I never lost the card or gave out my PIN number to anyone. CITIbank issued me a new card that time and ask me to change the PIN. They said they will investigate. They credited my account but then they reverse it claiming that this was consistent with my normal banking activity. I called CITIbank to complain again and it has been almost a month and the bank never credited me back my money although I was within the two days reporting period. I will be happy to provide the bill from XXXX XXXX in XXXX which shows that I had checked in on XX/XX/XXXX at XXXX XXXX and left on XX/XX/XXXX approx at XXXX XXXX. I can attach a copy of the receipt upon request. I also urge the bank to take a look at the CCTV camera because this happened in their branch Citibank ATM XXXX XXXX XXXX, XXXX, NY and Citibank ATM XXXX XXXX XXXX, XXXX, NY. By doing so they will protect another customer from falling into the wrong hand. 

We first made claim with citibank on XX/XX/XXXX with number XXXX and on XX/XX/XXXX with number XXXX. 


Thank you and hope your help on this matter.

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 2022-02-07
Company: Atlanticus Services Corporation
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Fortiva Credit Card, a division of XXXX XXXX XXXX XXXX, reported that I was 30-days past due. On or about XX/XX/2022, the undersigned cardholder contacted Fortiva 's Customer Service department to inform them that they had inaccurately reported information to the national credit bureaus. The undersigned spoke with a Customer Service Manager who agreed that their information was inaccurate, and requested the national credit reporting agencies remove all negative information from the undersigned 's personal credit report. On or about XX/XX/2022, the undersigned reviewed his credit score. The undersigned 's credit score had fallen by XXXX points as a result of incorrect information that XXXX XXXX XXXX  had reported, which resulted in the undersigned 's credit score rising to XXXX. In accordance with the recorded conversation with a Fortiva manager who stated that she had sent a request to the credit bureaus to correct all negative information reported by Fortiva. Today, despite their contractual agreement to correct ALL negative information while the undersigned remained on the phone. Fortiva 's Customer Service Supervisor ( who reports to the Customer Service manager ) *refused* to correct the negative information that appears in two ( 2 ) fields of the undersigned 's personal credit report. One of the two fields was corrected, but the Customer Service supervisor refused to correct the 2nd incorrect field that was reported to the national credit reporting agencies ( CRA ), however, today, XX/XX/2022, Fortiva reported, or failed to correct, all of the information the disputed items during the XX/XX/2022, agreement. The Customer Service manager refused to listen to the undersigned because the undersigned had stated that he is an XXXX, and that the dispute between the parties had been resolved on XX/XX/2022, and that if Fortiva would not correct the negative information pursuant to the XX/XX/XXXX agreement, he would file an administrative complaint to Fortiva 's federal regulator and/or file a lawsuit against Fortiva for breaching its agreement and its knowing violation of the FCRA by reporting information that Fortiva had agreed to remove, which resulted in a denial of opening a new credit card. 

The undersigned had applied for a credit card yesterday, and was denied solely because of the undersigned 's credit score. Because the undersigned had reviewed his credit score on XX/XX/2022, his request for credit was denied because of the lower credit score caused by Fortiva 's breach of contract, discussed above. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Florida XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
i disputed the account XXXX XXXX XXXX  account number XXXX back in XXXX it was removed With report number XXXX on XXXX XXXX and it was reinserted onto my account late XXXX i disputed the account again and it came back verified i was not notified about the reinsertion within XXXX  days of it reappearing violating my consumer rights via 15 U.S Code 1681i ( 5 ) ii i have been looking for a house and this account has damaged my report rendering me of being accepted i need this account removed immediately i attached my attorney general complaint and the reinsertion letter i sent to experian 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 2023-11-01
Company: AMERICAN EXPRESS COMPANY
State: MI
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 put a downpayment on a XXXX XXXX in 2021, which was advertised as being fully refundable. It looks like the company is now going out of business and they refuse to respond to requests for a refund. AmEx says they are unable to track down record of this transaction so I have found it myself.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-31
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am submitting this complaint to you to inform you that APPLE CARD/GS BANK USA has made an error in sending out their statement. This bank was aware of the issue & agreed to update to open/never late. Please update. APPLE CARD/GS BANK USA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: JPMORGAN CHASE & CO.
State: SC
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 received XXXX emails today from Chase Bank stating that i applied for credit cards and they needed more personal information from me. I called and reported it. I did not apply for credit cards and my XXXX XXXX has all of a sudden taken a major hit with Chase Bank when i checked it and also with XXXX XXXX. I froze all my credit card accounts. I'm not sure what else to do at this point.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-05
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Contacted Titan receivables they say I owe the whole amount I was not supposed to be a cosigner I was deceived I was under the impression that what i was singing was only for a discount.That 's why actually. XXXX XXXX is on there as co-signer not me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Consumer Portfolio Services, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
At : Portfolio recovery Company did not provide signed proof/documents and I do not recognize these credit cards. Please provide all sign documents and all forms of my IDs to validate these accounts if not they must remove it and close it out. Also this company has not stopped calling me yet again under the false pretenses of a business opportunity! Stop the harassment and provide me proof of all signed accounts as you started. Show me valid IDs and my signature if not this account must be removed. Also stop running my credit Portfolio recovery has kept calling and calling me without any reservations at all. I dont know who they are or why they are harassing me. I came across their information within XXXX XXXX and it shows they are reporting two accounts that should not be accounted for. It is hurting my credit opportunities and I would like for them to remove it since I do not owe them anything. They need to provide me with a signed contract between me and portfolio recovery if not they must immediately remove this negative remark and update all credit reporting agencies. Notice is below to them : This will notice will serve as a validation 609 letter. This letter is a formal complaint that youre reporting inaccurate and incomplete credit information. According to the Fair Credit Reporting Act, section 609 section A1A. You are required by federal law to verify through physical verification of the original sign contract, any and all the accounts that you post on the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: EQUIFAX, INC.
State: CA
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:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XXXX XXXX by certified mail ( copy enclosed ) that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : XXXX XXXX XXXX XXXX {$0.00} Additionally there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more.

I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-10
Company: Bread Financial Holdings, Inc.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am now 3 weeks into a problem with XXXX XXXX returning a large sum of my money that they did not credit to my account. The company claims that since XX/XX/XXXX they returned it using the wrong account number. Their most recent claim is that they have turned the {$2500.00}. over to XXXX-a company about which I have no information or contact numbers-and that they are unable to provide me with a timeframe as to when XXXX will complete the return of the payment. This is inappropriate and unacceptable. How can a reputable bank be unable to know where my money is or when it will be returned? This banks practices need to be examined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: EQUIFAX, INC.
State: MD
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX 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 15 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven 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 2023-04-14
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent letters to experian, XXXX and XXXX regarding a account by the name of XXXX  XXXX  Account Number XXXX this account was opened in XXXX and XXXX XXXX XXXX was opened in XX/XX/XXXX with Account Number XXXX. These 2 accounts are over 7 years old and I need them to remove them from my credit report. The bureaus have not answered my letter and they had over 30 days to answer or they had to delete the 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 2023-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my follow-up complaint to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any items in my credit record that came about due to alleged fraud or extortion. 
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 2020-01-16
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
this account does not belong to me i have tried to resolve this account with the creditors but have been provided with no help. i have also notified XXXX of these fraudulent accounts and have asked them to remove these accounts from my credit report

Company response to consumer: Closed with non-monetary relief