BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-11
Company: CAVALRY INVESTMENTS, LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
On XX/XX/XXXX I received several calls from XXXX different XXXX XXXX. The first was from XXXX, formerly XXXX bank. I told XXXX bank the first time they called I could not receive calls at work that the numbers they had listed was for work purposes only. I asked them to remove the number, it wasn't even to my area. I received a call from a gentleman on the XXXX weeks later. I answered the phone with the with our company name as required. He asked for me and said who he was with. I told him to removed the number this was a number he shouldn't ever call. At this time I was surrounded by team members. He said he will remove the number but since I was on the phone he wouldn't take long. He began telling me this was in reference to a legal matter. I tied stopping him without alerting the team members around me what the call was about but he continued on for several minutes and I eventually said please remove my number and hung up. I went to lunch and when I returned a Manager in another department asked me if I received my phone call it seemed important when I returned to my area my coworker was on the phone telling someone I was at lunch. When she sat down she told me I had several calls from an attorney in refence to a legal matter. When I looked on the caller ID there was another call from XXXX and a call from CalvaryXXXX XXXX XXXX XXXX She told me they keep calling and I better go handle it. I had to leave work early and I was so embarrassed, I still am. I called XXXX XXXX and at she said she never said that and later in the call she denied even calling but the number is in the caller ID. By the end she said it must have been the legal department. When I called XXXX they sent me from person to person and refused to even take a complaint just saying sorry for the inconvenience. They even attempted to discuss the debt rather than give a supervisor. Finally I got someone who said she was a supervisor and claimed she took a complaint but I don't think she did. Cavalry is also requesting that I pay court fees and filing cost but we haven't been to court. I asked the young lady if this was legal and That didn't seem fair but she said the only way XXXX court get around paying the court cost was to pay settlement with was like only XXXX dollars less then the balance. I ask for a breakdown of the amounts in writing which I haven't received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Looking over my XXXX consumer profile, I identified an account that I have not consented to a credit transaction. The company obtained my private information with out my consent and opened an account without my permission. I have no reference of this account and have never received any correspondence related to this company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11
Company: LEXISNEXIS
State: GA
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:
XXXX XXXXXXXX XXXX XXXX XXXX, LexisNexis are all reporting inquiries on my consumer reports hard and soft inquiries. When declined to remove they will make note of Permissible use thats the reason they wont deletehowever based on the law as follows : 15 U.S Code 1681b- any consumer reporting agency may furnish a consumer report under the following circumstances and no OTHER : Court, written instructions of consumer, credit transaction, extension of credit, employment purposes, insurance underwriting, license, child support. NONE of the inquiries EXCEPT the ones I have direct open accounts with should be on my consumer report AT ALL! 

Please cure asap or I will move forward with the INTENT TO SUE for each and every valid violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: MARINER FINANCE, LLC
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
RE : XXXX Violations of United States Code Laws and Consumer Laws 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy : XXXX is reporting fraudulent accounts which is an infringement of my privacy. XXXX said I have the right decide what I deem private. I deem this account information to be private and I DO NOT WANT THE BELOW ACCOUNT INFORMATION SHARED ON MY CREDIT REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S. Code 6802 ( b ) 1 ( a ) ( A ) ( B ) ( C ) - Obligations with respect to disclosures of personal information : XXXX DID NOT disclose to me that I had the right to OPT OUT of this information being shared. This was very deceptive and XXXX never explained to me that I can exercise a nondisclosure option. I feel like my consumer rights have been violated, and I have been taken advantage of. I never gave you any written consent to report anything on my consumer report no consent is identity theft FDCPA 8012 Furnishing Deceptive Forms : XXXX has furnished inaccurate inquiries and accounts as if they were accurate when they were never validated according to GAAP, so XXXX doesnt even know if these accounts are accurate, but yet XXXX reported this inaccurate information. Also XXXX reported that I owe a debt, of any numbers, only positive ). By you telling me I owe a " debt, but reporting positive balances to my credit report is very deceptive.

15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I never gave XXXX any written consent to report anything on my consumer report no consent is identity theft if the laws I quoted from Congress are incorrect, please correct me by providing the LAWS that support XXXX reporting the above mentioned accounts and inquiries. If XXXX is unable to provide proof, PLEASE DELETE above accounts and attached inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: AES/PHEAA
State: CA
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:
PHEEA and AES has been deceiving me and lying to me for years. I have been paying them on time for private and federal loans for decades. I have repeatedly asked, and presented them research that they were not allowed to keep collecting from me after I had been in payment for XXXX years. They denied. they concealed all the information from me. I moved the private loan to a different provider, who immediately forgave the entire debt, confirming that AES and PHEEA have been lying to me for years. 
AES/XXXX/Pheaa ( whatever their name is ) refused to send me a letter that me paying does not mean I admit to owing them money. I asked them to give me wire transfer information and the information to send checks. I am only paying due to their threats to defame me at the credit bureaus. I wrote numerous checks to them with the information they gave me. And I sent multiple wires to the wire transfer information they gave me. they did receive all the money -- many times my so-called " overdue '' amount. They refused to recognize, and did not update their website with the amount of money they took. I complained, and they immediately disabled my web account. therefore they are withholding all information about my account, since I do not have paper billing with them. I have written and called. They refuse to give me access online. They refuse to return the money I paid. 
I will now need to bring a lawsuit to collect stop payment fees I will need to pay to my bank, and for a return of the money that they stole without crediting my account. 
They refuse to tell me their actual company name, address for service of process, my account number, or any information at all about how to enforce my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
On XX/XX/XXXX, I paid a fee to re-cast my mortgage with Rocket Mortgage ( loan # XXXX ) and spent several hours on the phone completing this process. They said it would take effect in XXXX. 

They subsequently transferred and sold my mortgage to a new bank on XX/XX/XXXX ( XXXXXXXX XXXX, loan # XXXX ), and XXXX has told me the mortgage was not re-cast, nor would they have allowed the mortgage transfer to go through if it was in the process of re-casting. I would need to pay new ( higher ) fees and completely re-apply through their bank to have the mortgage re-cast. Apparently, I also can not speak directly with anyone at XXXX about this, only via email. 

I called Rocket Mortgage on XX/XX/XXXX, and they claim it was due to a mistake on their end, which I was never notified of. An associate didn't note that I *confirmed* that I wanted to have my mortgage re-cast. This is false, as the entire process was recorded. I confirmed the entire process with them on a recorded line and stated " yes '' to several canned prompts. But now they say it is out of their hands as the mortgage has been transferred, and they can not reimburse me for any fees paid. 

I believe the Rocket Mortgage XXXX have purposefully sabotaged this process to allow the transfer of my loan to a new service. I made a substantial payment to re-cast the loan, and I can not continue to pay the non-re-cast amount. They should have never happened, and the mortgage should not have been transferred if there were still noted errors on my Rocket Mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
On XX/XX/2023 I spoke to a very rude condescending XXXX XXXX XXXX, ( at least that is the name he gave me from XXXX Tx ) ( XXXX ) XXXX. Since he refused to give me any information, I had to ask and then demand NUMEROUS times to speak to a supervisor, because he kept refusing me, and he continued to refuse to transfer me, telling me his supervisor is XXXX. Fast forward, here we are! Take a look at ALL Of the Complaints not only I have had to file against this lousy corrupt crooked bank but all the other consumers as well. How do they continue to stay in business?

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 2023-12-11
Company: Nelnet, Inc.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with your payment plan

Complaint:
I have applied for the SAVE repayment plan for the student loans. I have not been able to contact anyone at Nelnet to confirm where my SAVE application is in the process. Even though my payments are due and the SAVE application is not processed, Nelnet does not have any one available to speak to on the phone nor do they respond to emails. I have called several times to no avail. Also, I have sent an email advising Nelnet to contact me to discuss or provide me any update regarding my application. There is no response. 

My loans are due and although my SAVE application was received on XX/XX/XXXX, there is no update to the application process. There is no way for me to even make the correct payment required because the SAVE application is not processed. 

Unfortunately, Nelnet is not able to provide the loan borrowers with the support needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: CITIBANK, N.A.
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I possess a XXXX XXXX account along with an associated ATM card. Unfortunately, the card expired in 2021, and I never completed the registration process for online access. It wouldn't go through. Additionally, I have permanently relocated from the U.S. 

My primary aim is to restore access to my savings account. Despite multiple attempts, my calls to customer service have resulted in receiving a singular instruction : to correspond via mail to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. Regrettably, my written inquiries have gone unanswered for several months. 

I am earnestly seeking direct contact with specific personnel who can assist me in reestablishing access to my account. Rather than continuing to send letters with no response, I am hopeful that a more direct connection can be facilitated. 

Your assistance in this matter would be greatly appreciated. Thank you in advance for your help.

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 2023-12-10
Company: Spring Oaks Capital, LLC
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are 2 credit cards companies that were showing on my credit reports. I file a dispute with all three and they investigated and XXXX and XXXX removed them both but XXXX said that it was verified. I received I letter stating it was verified by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I recently left a job at the XXXX of XXXX XXXX where I had a pension worth {$24000.00}. The pension company they use called XXXX issued me a check for that amount to transfer over to my XXXX XXXX XXXX  XXXX. I deposited the check in my Chase Business Checking account with the intent of transferring it over to my XXXX. Chase then shut down the Business checking account because the pension check was addressed to XXXX for the benefit of XXXX XXXX ( myself ). Chase is now withholding those funds and not giving me any way to retrieve those funds. They are not willing to return those funds to the original issuer of the check either. I have been pursuing this for almost three months and Chase refuses to release those funds, which they are keeping captive. 

Chase said the pension company, XXXX, needs to file a claim in order for Chase to return those funds to them. XXXX is unwilling to do that since the check has already been successfully deposited. Chase then stated that they need XXXX to sign a release of liability- which XXXX is unwilling to do. Chase is giving me no other solution to recovering the {$24000.00} - essentially stating that they are going to keep that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Hard inquiry on my credit report from Bank of America on XX/XX/2023. I did not apply for any form of credit with this company. At that time. Ive already called the company to report it. They advised me to also report with FTC and to the XXXX credit bureau in which it was reported to.

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 2023-12-10
Company: Bread Financial Holdings, Inc.
State: MI
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Subject : Demand for Correction of Credit Report Inaccuracies and Compensation per Violation Any per CFRA as a federally protected consumer. I am now opting out of any and all authorization. I, the

consumer may have given you written & unwritten, verbal & non verbal per 15 U.S. Code 1602. 15 U.S. Code 6802, 15 U.S. Code 6804 15 U.S. Code 6805. 16 CFR 313 16 CFR 433.2 I am writing to bring to your attention the inaccuracies present in my credit report, which I believe violate my rights under the Fair Credit Reporting Act ( FCRA ) and other applicable regulations, including 15 U.S.

Code 1602, 6802, 6804, 6805, 16 CFR 313, 433.2, and the Privacy Act of 1974. 

Upon my review of the credit report, I have identified These errors impact my federally protected consumer rights, as outlined in the aforementioned legal codes. 

ONLY : XXXX XXXX XXXX XXXX XXXX A XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ) - Inquiries - personal name XXXX as inaccurate per - personal date of XXXX - current address - previous address ( non mailable ) - employer - payment status - late payment - opened - reported - remarks - condition - original balance - last payment - status - creditor information - condition - loan term I hereby demand the immediate correction of these inaccuracies in accordance with the FCRA. 
Additionally, I am invoking my right to request {$1000.00} compensation per violation, for each and every reporting date associated with the discrepancies identified. 
IMPORTANT : I DO NOT WANT THE OUTCOME OF THIS LETTER TO HURT MY SCORE. 
I expect a prompt and thorough investigation into this matter, and I anticipate that the necessary corrections will be made without delay. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: JPMORGAN CHASE & CO.
State: NY
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:
On XXXX I was charged by merchant XXXX XXXX XXXX twice without my authorization. I was charged {$110.00}, and an additional XXXX ( with a {$5.00} tip included for a total of {$120.00} ), but the charge with the tip included is the only charge I authorized and signed for. I inputted a claim with Chase Bank and they notified me that there isn't anything they could do and to reach out to the merchant. When I reached out to the merchant, they tried to justify the double charge and the fact that they swiped my debit card twice for the same transaction. I have a receipt showing the charge for {$120.00}, the one which I signed for and submitted to Chase as proof, but they refuse to acknowledge it. Therefore, they advised they will be taking the provisional credit of {$110.00} back out from my account. I should not be responsible for the merchant double swiping my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
After AAA switched credit card vendors to Comenity Bank, this new vendor seemed unable to process my payments properly. After several months of on-time complete payments of full balance not showing up on my statements, I stopped using the card. Twice they even sent my payment check back to me saying they did not know what account to credit this payment to, even though the final digits of the account number were printed right on the check. Of course the checks were sent back to them by me, but then they proceeded to charge me late fees and interest ( for payments I had made on time and in full ) and now, they are ruining my credit with the credit agencies, claiming I have not paid my bill ( s ). My bank ( XXXX XXXXXXXX XXXX ) does use a third-party bill payment vendor, but I have proof that all payments were sent on time ( to the correct [ listed/bill payment ] address ) and this has been confirmed by my bank. 
Before the switch to Comenity bank, I have NEVER had ANY problems sending credit card payments to ANY OTHER credit card company. EVER. 
BTW : In their correspondence, their letterhead address has typos so it makes corresponding with them an unsure gamble.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting 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:
I requested to be removed as an authorized user on American Express Gold card through their online chat. I have tried to remove the account from my credit reports, but the dispute claims the information is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-08
Company: Henley, Lotterhos & Henley, PLLC
State: MS
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have reached out to this company several times to get them to stop garnishing my paycheck I am barely making ends meet. I need the garnishment to stop because it has reached the statute of limitations in the state of Mississippi. Limitations of Actions and Prevention of Frauds 15-1-43. All actions founded on any judgment or decree rendered by any court of record in this state, shall be brought within XXXX ( XXXX ) years next after the rendition of such judgment or decree, or last renewal of judgment or decree, whichever is later.

Company response to consumer: Closed with explanation