BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-15
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XXXX credit card issued by XXXX XXXX. I closed card due to fraud charges, account was set up on autopay. XXXX refunded me personally by check after investigation in the amount of XXXX approx. Account closed with XXXX balance. Was on credit report as closed and XXXX and in good standing. About 3 months ago started getting bills for this account with a balance. Called numerous times, XXXX  claimed they refunded me before merchants credited and caused overage. Advised that was an issue with them and the merchant. They are now billing the account and reopened the account with out permission. Managers refuse to call back. The account should be closed with XXXX balance per fraud. It isn't the consumers issue when they fail to do a proper investigation or account review and make a refund error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions 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: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 went to XXXX XXXX in XXXX XXXX Texas and inquired about getting new car they specifically stated they will do a soft credit pull, but unfortunately they did a hard pull, then today XX/XX/2022 I get a report on all 3 credit bureaus about hard pulls on like 20 companies that I don't know off nor have heard them, contacted the companies and they don't have an account with me after not giving me an explanation on who authorized or when or why, called XXXX, called the credit bureaus, called everyone and no one has an answer no one is taking responsibility I'm now stuck with hard inquiries that will be in my credit report that I have no knowledge of

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 2017-12-17
Company: Quick Bridge Funding, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
This loan was charged off and settled in XXXX of 2016. I requested that all information about this loan be removed as a condition of the settlement however it still appears. This loan company makes predatory loans on small/disadvantaged businesses with onerous terms and high interest. This loan was one of the factors that led to the failure of the associated business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting 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 consumer reporting agencies listed below along with the account listed below has violated my federally protected consumer rights to privacy and confidentiality. 
Consumer Reporting Agencies : Experian, XXXX, XXXX and XXXX XXXX : Account Name : XXXX XXXX Account number : XXXX I received a correspondence from XXXXXXXX XXXX XXXX and yet again, refuses to provide documents of my signed agreement giving them complete authorization to disclose my personal and confidential information, validating this account being mine, and verification of this account to me, to the consumer reporting agencies listed above. 
For the record, I never gave XXXXXXXX XXXX authorization of any kind to disclose my information to ANY consumer reporting agencies, hence their inability to provide proof. 
Again, XXXXXXXX XXXX has violated my federally protected consumer rights governed by Congress and I want them removed from my consumer report. 
XXXX XXXX  has violated my rights under these federal laws : * 15 usc 1681 section 602A states I have a right to privacy.

* 15 usc 1681 section 604a section 2 states a consumer reporting agency can not furnish an account without my written consent and instructions to that consent.

* 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, these companies have broken this law without my consent.

* In addition, under congress law 15 U.S. Code 6802A, 15 U.S. Code 6802B, & 15 U.S. Code 6802 B ( opt out ) part 1a, b & c, it details my rights as a consumer in which I was not granted these rights.

* Late payments, charge off, and repossessions are illegal according to 15 usc 1681a ( 2 ) ( a ) ( i ) Again, I repeat, I demand that this account deleted off my consumer report with all consumer reporting agencies ( Experian, XXXX, XXXX, and XXXX ) along with all other consumer reporting agencies. 

These violations of my rights has seriously hurt my personal and professional life in getting approved for loan offers, credit card offers, and a home mortgage or car loans. 

Please see attachments. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY 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 2022-08-09
Company: JPMORGAN CHASE & CO.
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:
( Chase ) XXXX XXXX credit card. I was buying tickets, when there was a spot to put it kn credit. So I did. The promotion said XXXX off XXXX in miles or something along them lines. After I did it I tries to buy the tickets and the price changed. So I didn't buy them, used my other phone and bought them off a different credit card. I called them to cancle they said they couldn't it was already in the process. I also the promotion that they gave me was spend a XXXX and get XXXX miles. That's not what I signed up for. I know I did participate in the application. So this might be my fault but I personally don't think so. Now I have a hard hit on my credit report and new card that I'm not going to use and my credit will go down. because of the two problems I listed. There customer service was unprofessional and you could barely understand them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Affirm Holdings, Inc
State: UT
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:
Affirm Inc. Is reporting an account on my credit file that i have never had they keeping telling me if for XXXX mattress which i dont have any XXXX mattress i have tried to dispute this account and they keep telling me that it is still verified as my account so i am going this route to see if this will work.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Byrider Franchising, LLC
State: OH
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 purchased this car in XXXX. I was in a severe accident shortly after. Insurance paid majority of the balance. I attempted to settle with the company and make payments for the difference. They were not transparent in how to do this, I got different amounts from different people. It was all very shady. In XXXX, they offered me a settlement amount. Their email went to the junk folder and I was never mailed a paper version or contacted. I was under the impression everything was okay. I responded back to this email in XX/XX/XXXX when I saw it and heard nothing. They had not been reporting negative payments to the credit bureaus so I truly did not know anything was wrong. I later was informed the balance was not settled and was showing as a charge off. I contacted them to settle the debt. I settled the debt last month and they reported 20+ months of late payments. I would have paid this a lot sooner and not allowed damage to my credit if they had been reporting accurately. I have attempted to call in. The agents are INCREDIBLY rude. They interject, dont listen. Im not permitted to speak to their reporting department and advised Ill be sent a letter. Its been a horrible consumer experience and they ruined my credit when I was making true efforts to pay them. It is very unethical to not report accurate and timely data to the credit bureaus. I have provided them payment and closed the account. My only goal is to have the derogatory remarks removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I APPLIED FOR AN APPLE CREDIT CARD AND WAS APPROVED. I DID NOT MAKE A TRANSACTION ON THE CARD EVEN THOUGH A BALANCE APPEARED ON THE CARD. I WANT TO DISPUTE THIS TRANSACTION. THE PHONE NUMBER ASSOCIATED TO THE CARD IS XXXX AND THE EMAIL ADDRESS IS XXXX. BOTH, NUMBER AND EMAIL ARE NO LONGER ACTIVE. 

MY ACTIVE PHONE IS XXXX AND EMAILS ARE AS FOLLOWS : WORK AND PERSONAL XXXX XXXX I HAVE APPLIED TO RETURN TO SCHOOL FALL TERM 2023. I WOULD LIKE MY APPLICATION TO BE CONSIDERED AS SOON AS POSSIBLE. THANK YOU XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received our Chase credit card bill on XX/XX/XXXX and paid the bill by check XX/XX/XXXX ( along with several other bills that were mailed out that same day ). The due date for the Chase bill was XX/XX/XXXX, so I was well within the recommended window. I noticed on XX/XX/XXXX that the Chase check had not gone through, but all other checks/bills mailed XX/XX/XXXX went through. I called Chase and they said they would refund the late fee but not the interest of {$100.00}. They blamed the postal service and said it happens all of the time. I believe that Chase lost/held my check in order to charge interest, as all other checks sent that day made it to their destination on time, including my auto loan that is also paid to Chase. My bank is showing the check to Chase Credit as pending as of today, XX/XX/2022.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: Lincoln Educational Services Corporation
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LINCOLN TECH XXXX {$10000.00} 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( XXXX ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 

( B ) Provision of other information The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( XXXX ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-04
Company: MOHELA
State: IL
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:
I have been pursuing Public Service Loan Forgiveness ( PSLF ) since XXXX. My loans were being handled by XXXX until they were transferred to MOHELA last fall. I had one employer certification form ( ECF ) in process at the time of the transfer. It had been submitted in XX/XX/XXXX. When my loans transferred to MOHELA, my payment counts had still not been updated, so I re-submitted my ECF, concerned that it may have been lost during the transfer. 

On XX/XX/XXXX, my ECF was approved and payment counts were updated from XXXX to XXXX, as expected. But in a letter dated XX/XX/XXXX, MOHELA apparently processed the re-submitted form and ( incorrectly ) declared that my employer was an ineligible for-profit institution. My count went down from XXXX to XXXX. 

The employer on my form was in fact a qualifying 501 ( 3 ) ( c ) nonprofit organization that is listed as an eligible employer on the U.S. Department of Education XXXXs Federal Student Aid Public Service Loan Forgiveness Employer Search tool at XXXX : XXXX. I emailed MOHELA explaining the situation, asking for clarification, and informed MOHELA I was ( re ) resubmitting my form. I received a useless email referring me to the employer search tool. 

I waited awhile longer for my resubmitted form to be processed. Eventually I saw that it was labeled a " duplicate form. '' I did not know what that meant and again reached out to MOHELA on XX/XX/XXXX -- they gave some canned response about unprecedented time delays. I reached out again on XX/XX/XXXX asking for specifics related to the meaning of a " duplicate form '' and whether my form had been processed and whether my employer was approved. I got an email response from MOHELA that my form had been processed. They again referred me to the employer search tool, which, mind you, I had already checked -- my employer was listed as eligible. 

I called MOHELA on XX/XX/XXXX, and was told my employer was not eligible. I explained that my employer was listed on the search tool as eligible and that there was an error in the processing of my form. The MOHELA worker resubmitted my form and said she made a note that my employer was eligible according to the employer search tool. 

Since that phone call, nearly six months have passed and well over 90 business days. I have reached out to MOHELA three times and got generic " trust us, we're counting '' responses. To date, my payment counts have not updated and I have not received a letter informing me of the results of my submission. It has been more than a year since I first submitted this form and I am beyond frustrated with MOHELA. I have no trust for an organization who has mishandled my case so badly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: IN
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:
I checked my personal credit report, which I acquired from your organization on XX/XX/2022 and I noticed XXXX unauthorized inquiries had been made

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 2023-11-03
Company: Experian Information Solutions Inc.
State: PA
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 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 explanation
Consumer complaint received 2023-04-05
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
In XX/XX/2022, I went to PNC in XXXX ( XXXX XXXX XXXX ) to add my son to my account. We were assisted by XXXX XXXX and she had to call for help multiple times on how to execute the request. We were told signature cards only had XXXX lines and had to specially request XXXX from corporate with XXXX lines to add him. The card arrived at the branch and was faxed to a branch near my son for his signature and faxed back. During this process the XXXX branch noticed that there were errors - the names were incorrect. The XXXX branch told the XXXX branch was told they would need to fix the account names. XXXX stated she could not fix without her XXXX and were told to cross out names and it would be fixed later. Next, the accounts of my sister were crossed with mine sent to the wrong person at the wrong address. The bank closed my sisters account in error on which I was a signer and her retirement check could not be deposited. A check came in for payment and overdrew the account. The bank then deducted funds from my account overdrawing it to pay for the OD caused by the banks error. The bank sent threatening letters to us for {$10.00}. We are elderly and have struggled to get them to fix this and understand their processes. This was not our fault but we have been threatened and penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: Experian Information Solutions Inc.
State: GA
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 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 XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-06-09
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MT
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
For XXXX  years I have sent {$1000.00} through XXXX XXXX to my XXXX, XXXX XXXX XXXX XXXX. I use XXXX XXXX XXXX app. Where my bank acct XXXX card has been approved through XXXX XXXX and my XXXX name/address has been vetted. XXXX day a temp problem came up about XXXX months ago with my XXXX XXXX app. So i temp went through " Money Gram ''. XXXX XXXX ok... it went through, but the XXXX attempt money gram banned me for life from using their services. I filed a complait and i emailed a copy of the XXXX years worth of mtcn numbers starting XXXX to present with XXXX XXXX. The again claim im banned for life. I met my XXXX  at the XXXX airport in the XXXX on XX/XX/XXXX. Because of the pandemic i had to return to XXXX. I feel my XXXX  and my name have been wrongfully slandered. Why cant they do as XXXX XXXX and verify my XXXX Im very upset and money gram wont even talk to me about why. They simply say they feel uncomfortable

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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 2022-10-26
Company: Experian Information Solutions Inc.
State: GA
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 accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX acct # XXXX **** XXXX15 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 has reasonable cause to believe that the information is inaccurate.

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