BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
In XXXX and XXXX I used the COVID assistance provided by the company to help us stay caught up on payments. My wife is an XXXX XXXX The summer after COVID started, she lost her summer courses and then winter courses as well. We used the COVID assistance to help us get back on track each year ( and hopefully permanently ) with modifications to the mortgage. When I needed the same help at the beginning of this year, I was denied due to the allotment of time was used up. However, when I checked my records, it looks like we only used the program for XXXX  months ( only showing XXXX months on credit report ) but XXXX months were supposed to be available. The company refused to allow any assistance without modification at that point. If we had been allowed to use the remaining months of the program, I wouldnt currently have any late payments. I tried to reach out to the company to find out why we were denied but was just told theres nothing they can do. Ive yet to receive information on the number of months we used the program. 
Now, were trying to purchase a home but getting denied due to recent late payments. I would just like proof all XXXX months were used and if not, be granted the forbearance period for XXXX and XXXX ( the months late were actually XXXX and XXXX but they refused to fix that as well ). Since the company is flat out willing to work with me, I have no choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-28
Company: Bread Financial Holdings, Inc.
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
Received the statement from XXXX XXXX XXXX  account credit card with charges for XXXX XXXX XXXX XXXXXXXX ( XXXX ) for {$1.00} XX/XX/XXXX and {$99.00} on XX/XX/XXXX. These charges were not recognized by me, so I called the phone number and the person I spoke to said it was for a gym membership or fitness program that would be billed monthly in the future. I did not sign up for any fitness program and had no reason to do so as I belong to the XXXX  and have access locally to any fitness programs that I need. The woman that I spoke to said that she could cancel the monthly membership, but could not cancel the initial charges, she did say that she could offer me XXXX XXXX XXXX for XXXX of the charge and when I said I did not want them, she said she could offer me her employee discount toward some XXXX XXXX XXXX  something. I then told her that I was going to report them to the state Attorney general and she said that they would not be able to do anything about it. I then called Comenity bank who is the bank that the card has come from ( recently changed from the previous bank. I spoke to one XXXX who said he was going to transfer me to someone that could help and then the line went dead. 
I did report this to the XXXX on XX/XX/XXXX via an email complaint. 
On XX/XX/XXXX I called the XXXX XXXX card number and reported this to them. They started a fraud investigation and stated that they would cancel the card and send me a new one. Any resolution could take up to 90 days. I told them I did not want a new card, to just cancel the old one. We have paid the bill, minus the {$1.00} and {$99.00} charges. 
I heard from the AG office today ( XX/XX/XXXX ) who stated that they were not the right agency, and that I should report this to the CFPB, and gave me the phone number. After calling, I decided to submit the complaint online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-11
Company: Phoenix Financial Services LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
The company Phoenix Financial Serv has sent a negative report to the credit bureaus on XX/XX/2023 and I don't know why, or what they mean by this value or this charge, besides not recognizing this report, there is no evidence or evidence in my hands of being notified. I do not accept this violation of my rights as a consumer and I am abiding by the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19
Company: Experian Information Solutions 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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX CA XX/XX/XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-04-19
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:
This is the several time I've complained about being a victim of identity theft. You must remove/block any items that were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX  CA XX/XX/XXXX XXXX XXXX XXXX  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 non-monetary relief
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 15th endeavor 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 records 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 information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Balance : {$83000.00} XXXX XXXX XXXX Balance : {$83000.00}

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 2022-12-19
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 value your help to REMOVED a portion of the data on my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an XXXX XXXX XXXX  # XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 XXXXXXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16
Company: EQUIFAX, INC.
State: SC
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 have several late payments reporting on my credit reports that are incorrect. I have late payments reporting sporadically from years XXXX and XXXX. I tried fixing the problem but XXXX XXXX is no longer my loan services. I also was informed that the company has filed bankruptcy and I do not know how to contact XXXX XXXX financial to have my credit reports updated and corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2022 A Known person ( contractor ) wished to be paid for Services Rendered on Our house. They gave me their email address to use for a XXXX Transaction for me to pay the invoice in a timely manner. It was an email address we communicated back and forth with several times previously. I entered that email into Bank of America XXXX function in good faith to pay them. I made the payment and in real time asked them if they saw it to accept it or whatever. They did not See it. We immediately attempted to undo/backout transaction. There was no avenue for us to do so. We then called our Banks ( for me BofA. ) The Banks stated this could take a few days for the transaction to go through, so we waited. Meanwhile, the recipient received an email from XXXX XXXX XXXX XXXX stating something about a money being deposited in an account they do not have. ( This is not my email, so I don't have it. ) The recipient XXXX ( XXXX ) does not bank with XXXX XXXX XXXX XXXX. 
I filed a dispute and investigation with Bank of Americas fraud Department. They have declined my claim XXXX stating this went to the intended recipient which it clearly did not. 
XXXX IS A FAULTY APPLICATION. 
XXXX XXXX XXXX XXXX. 
NO FAR SIDE VALIDATION/AUTHORIZATION. 
NO ABLITLY TO UNDO TRANSACTION. 
NO ABILITY TO DISPUTE TRANSACTION Both XXXX and Bank of America declined a refund or further assistance. I made this transaction in good faith, but was robbed of {$3500.00}, and I am very upset about it. 
Sincerely, 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 2023-02-21
Company: EQUIFAX, 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 fourth endeavor 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 records 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 information in my credit record that came about due to an alleged fraud or extortion. following 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: CITIBANK, N.A.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to provide an update on an ongoing issue I have with Citibank. 

To provide a brief overview, I had initially submitted a complaint ( Case # XXXX ) regarding the difficulty in closing my Citibank accounts . Subsequently, I received a communication from Citibank 's Executive Response Team dated XX/XX/XXXX through the CFPB, confirming that all my accounts were closed. This was a satisfactory outcome. This bank account closed confirmation attachment is provided. 

However, on XX/XX/XXXX, I received an email from Citibank prompting me to update my contact preferences for an account that I understood to be closed, causing concern and confusion. Their email clearly shows the " Account ending in : XXXX '' bank number on their communication. I reached out to the Citibank Executive Response Team via email on XX/XX/XXXX, requesting clarification on the status of my accounts, removal of my personal data, and unsubscribing from future promotional and account-related emails ( copy of this communication is attached ). 

Despite waiting for a response for more than 8 days now, Citibank has failed to acknowledge or address my concerns. Given the lack of response, I am understandably worried about the handling of my personal information and the true status of my supposedly closed accounts. 

I am seeking your assistance once again in this matter to ensure my accounts are indeed closed, my personal data is protected and handled according to the proper privacy laws and regulations, and to cease receiving promotional or account-related communications from Citibank. 

I appreciate your continued assistance and look forward to a resolution in this matter. Please do not hesitate to contact me should you require any further information. 

Thank you, 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 2022-11-28
Company: Self Financial Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
I told them that loans are only cash in hand, and that i need my check mailed to me. I can not make payments toward a loan that i have not gotten any funds from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
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 NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXX XXXX : {$14000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$73.00} XXXX XXXX XXXX Balance : {$3200.00} XXXXXXXX XXXX XXXX ( Original Creditor Name XXXXXXXX XXXX XXXX XXXX ) XXXX  Balance {$120.00} XXXX XXXX XXXX XXXX  Balance : {$3200.00} XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX  Inquiry : XXXX XXXX, XXXXXXXX XXXX Inquiry : XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry : 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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to delete this erroneous account. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint and I'm including it again. 

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Despite the previous written requests, the unverified account listed below still appear inaccurate on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, Section 605b within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Correct this account immediately : XXXX XXXX XXXX Balance Owed : {$33000.00}.

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XXXX but I never received a response from them. These items must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

Please correct the following items : XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX  Balance : {$4100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$300.00} XXXXXXXX XXXX XXXX Balance : {$610.00}

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 2023-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor : 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