BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-01
Company: DISCOVER BANK
State: MD
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Original Complaint # XXXX : In XX/XX/XXXX, I started a personal loan for {$12000.00} through Discover at 18.99 % interest to pay off outstanding credit card debt with other creditors that were charging high repayment interest rates. In early XXXX, I began restructuring my overall debt portfolio and contacted Discover to negotiate new terms for the personal loan. Discover made only one offer which would lower my monthly payment by extending the period of the loan. With no other options, I accepted this one offer for a lower monthly payment. The interest rate remained the same. In XX/XX/XXXX, I located a not for profit debt consolidation company XXXX XXXX. XXXX contacted Discover and my other debtors to restructure my debt. Although my Discover credit card debt was accepted into the plan with a lower interest rate ( 9.99 % ), Discover declined to do the same for the Discover personal loan because I was already enrolled in the repayment program I had accepted before contacting XXXX. I have contacted Discover at least three times since they declined accepting the loan into the XXXX plan. Discover replied to my first inquiry with a letter in XX/XX/XXXX which explained that the loan was declined because it was already in the payment assistance program accepted earlier. In XX/XX/XXXX and XX/XX/XXXX, I called and spoke to Discover representatives, and both times Discover declined to make any changes to the loan that would allow the acceptance of this debt into the XXXX plan. Discover has refused to make any changes that would allow the debt to be added to the XXXX plan and save me money. The interest Discover is charging is too burdensome for my ability to repay this debt, and I would like to be eligible to at least add the debt to my consolidated repayment plan with XXXX XXXX. 
In the reply letter to the complaint from XXXX XXXX, Executive Office of Customer Advocacy, Discover indicated they would work with XXXX. However, Discover has again rejected the application submitted by XXXX to consolidate the loan. I have called and left messages for XXXX XXXX two times at the number provided in the reply letter to resolve the matter, but no reply has been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-06
Company: Bread Financial Holdings, Inc.
State: WI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/2023 I received a corespodence from bread rewards credit card. Enclosed was a new credit card with a new account number and a new member Inception date. 
This card is apparently replacing the Comenity.net credit card on XX/XX/2023. 
I attempted to contact Bread rewards credit card customer service and was notified that the number would not be available to customers until XX/XX/XXXX. 
I then contacted the comenity.net credit card customer service. 
My concern and complaint is that due to no fault of my own this closure of the comenity.net credit card is going to have a negative impact upon my credit history as the comenity.net credit card is my longest standing credit card with several years of positive history. Additionally if I activate the new bread rewards card on XX/XX/XXXX it will reflect on my credit the new account and I will lose all of the positive history that I previously worked very hard for. 
I contacted comenity.net credit card customer service line three different times on XX/XX/2023 and received different conflicting information each time I spoke to a different customer service representative with these concerns. I then contacted cfpb and was advised that there are two options for the credit card company and them options being to close an account or to continue reporting an account, according to the law there is no gray area to continue to report the history as the credit card changes to a different account all together. 
On one call with comenity.net supervisor XXXX she advised me that there will be no impact to my credit score or history and that this transition from One credit card to the next is seamless with no impact to the consumers. 
This being decieving as there is not an option to report new account information on an old account history. 
There is zero mention of the potential impact to consumer credit as a result of this change, in the information bread rewards credit card sent in the mail.

There is zero information on the comenity bank website about this matter either.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: GREATAMERICA FINANCIAL SERVICES CORP.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
XXXX XXXX system or Great America Financial Services forged my signature on a document and I have been paying them for more than 2 years now. Also one of the equipment that I am paying for was not delivered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2023-10-02
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've been trying to get in contact with Aidvantage because I shouldn't have to make payments on my loan while I am in school. This was assured to me by the Financial Aid department at XXXX XXXX XXXX. I am currently taking over 6 credit hours of classes and so not only should I not be accruing interest on my loans but also I shouldn't be getting notified to pay them until I've been out of schooling for 6 months. I did not take any summer classes as those aren't fully covered by student loans. 

I attempted to call Aidvantage today in order to settle this only to be put on hold by a machine for an hour only to be hung up on, but also when I tried calling back they didn't answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: AL
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 recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must get rid of the following accounts from my file. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2023-03-23
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

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 2023-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have tried I'm still remove my address off of my credit report wrote letters and still nothing. at this address is not valid XXXXXXXX XXXX XXXX XXXX XXXX # XXXX XXXX Texas XXXX This need to be removed I have reported to remove from TransUnion report. I gave wrong address before

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: SYNCHRONY FINANCIAL
State: NY
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:
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. 

Fact, SYNCHRONY FINANCIAL/ PAYPAL has reduced my credit limit from {$6100.00} to {$1500.00} without my consent nor request. I am the consumer and natural person who initiated the credit sale pursuant to 15 USC 1601 Truth In Lending Act. 

Fact, Pursuant to 15 USC 1601 ( p ), The term unauthorized use, as used in section 1643 of this title, means a use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. 

Fact, reduction of my credit limit provides me no benefit and is a violation.

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 2023-04-12
Company: Experian Information Solutions Inc.
State: MI
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 sent a letter on XX/XX/XXXX, to remove XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX, MI XXXX XXXXXXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX  XXXX, MI XXXX XXXX XXXX  XXXX XXXX XXXX : {$800.00} XXXX XXXX XXXX XXXX XXXX XXXX {$290.00} Bankruptcy XXXX XXXX-discharged Reference number : XXXX Filed on XX/XX/XXXX Court : US BKPT CT MI XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX bankruptcy discharged Reference number : XXXX Filed on XX/XX/XXXX Court : U.S. Bankruptcy Court XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXX XXXX  XXXX Inquired on XX/XX/XXXX that are UNKNOWN to me. you are required to remove/block any items or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint & I am including it again.,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EQUIFAX, 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 am a victim of identity theft. someone stole my identity to open fraudulent accounts with out my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: Lakeview Law Group, PLLC
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX entered into a contract with me as a consolidation program to consolidate my debt and make one easy payment to them, and they would pay my debts. They did not pay those debts, and now all of my accounts are in charge-off status. This company did not make any payments on these accounts, as far as I can see, and has been ACH withdrawing from my bank account since XX/XX/XXXX. 
As of XX/XX/XXXX, I have paid them {$57000.00}. The first 9 payments were for {$560.00} and the last two payments have been for {$610.00}. 
They claim to be a credit repair company, and now my credit is completely ruined. 
I asked for a full refund and they are refusing to do that. 
I have recorded the calls where I stated that I will only accept a full refund of the money I had paid, less the " settlement payments '' that they claim to have made. However, they did not provide those " settlement agreements '' at any point in our time of working together.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-19
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My loan was originally serviced by XXXX XXXX XXXX. After the coronavirus forbearance concluded, I applied for a loan modification with them and submitted a facially complete application and was approved for a loan modification on XXXX XX/XX/2021. Three trial payments were to be made by XXXX XX/XX/2021, XXXX XX/XX/2021, and XXXX XX/XX/2021. I submitted timely payments to XXXX XXXX XXXX on XXXX XX/XX/2021 and XXXX XX/XX/2021. My loan servicing was transferred to Freedom Mortgage on XXXX XX/XX/2021. I then made the final trial payment on XXXX XX/XX/2021 to Freedom Mortgage, completing the requirements of the loan modification agreement. However Freedom Mortgage has refused to honor the loan modification agreement, and on XXXX XX/XX/2021 started a new loss mitigation process and is requiring that I start the process over. This is in direct violation of 1024.41 which states : An application that was facially complete under 1024.41 ( c ) ( 2 ) ( iv ) with respect to the transferor servicer remains facially complete under 1024.41 ( c ) ( 2 ) ( iv ) with respect to the transferee servicer as of the date it was facially complete with respect to the transferor servicer. If an application was complete with respect to the transferor servicer, but is not complete with respect to the transferee servicer, the transferee servicer must treat the application as facially complete under 1024.41 ( c ) ( 2 ) ( iv ) as of the date the application was complete with respect to the transferor servicer. 

I called Freedom Mortgage on XXXX XX/XX/2021 XXXX Central Time to discuss this matter, and after 83 minutes, was advised I would need to complete their loss mitigation packet. These deceptive and predatory practices are intended to harm the consumer, and I am sure that I am not the only affected consumer and fear many others will be adversely affected by Freedom Mortgage.

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 2019-03-15
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
Good afternoon. OnXX/XX/2019 a transaction from XXXX XXXX was sent to a person by the name of XXXX XXXX. I was not aware as when I received an email from this person stating I would receive a refund if items are processed I didn't know this number so I ignored the information. when I went to my bank I realized a payment of XXXX was removed from my account. I was advised by my bank that is was an electronic mobile device that possibly provided the funds and that I should contact the number to refund the money. I did so as well as contacted XXXX XXXX. I spoke with XXXX support on XXXX, XXXX and XXXX to get this resolved. I spoke with XXXX from cash support at XXXX. She advised me that she could see that this was not supposed to go to the person and that they would work with my bank to get this money reversed. the money was reversed by my bank and thenXX/XX/2019. I also sent a text message to this person where the money was sent to and was advised on XXXX XXXX that a refund would be sent back and sorry for any convenience but that never happened. The persons number was XXXX. On XX/XX/2019 I contacted Chase at XXXX about claim number XXXX, because I received a letter stated they found that the transaction was processed correctly or authorized and the {$120.00} was reversed. I requested how they determined that and no one could provide me a solid answer. I am furious because this money was stolen from me from a person who I do not now at all. The bank had me cancel my card and sent me a new one and guaranteed me that my money would remain in my account and then they took the funds on XX/XX/2019. I am disappointed and I want my account credited and I need to file this complaint to get this taken care of properly as no one at chase bank including branch managers such as, XXXX XXXX of chase in XXXX XXXX Louisiana bank, was extremely rude and advised that I will never get that money back and sorry for my loss of funds. Banks are supposed to work for the people and determine right from wrong. I need justice for this transaction and I want my funds returned. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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. 

XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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 XXXX 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 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 2021-10-19
Company: AES/PHEAA
State: MD
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 am working toward Public Service Loan Forgiveness and have FedLoan as my servicer. Four payments ( each applied to 2 loans ) from XXXX and XXXX are incorrectly listed in my account as ineligible for PSLF, and in XXXX I requested that these payments be reviewed again for PSLF eligibility as soon as possible. My loans were serviced by XXXX and FedLoan respectively during these periods. I have been employed since XX/XX/XXXX at an eligible 501 ( c ) ( 3 ) employer and, since I began repayment on my qualifying loans in early XXXX - after federal loan consolidation - I have been on income-based repayment and have only ever made on-time monthly payments on my qualifying loans. 

On XX/XX/XXXX I received a message in my account that FedLoan reviewed my account. It states that their records are correct and that they consider the matter closed. Although my payment due dates changed slightly over the years that I have been making payments, I have always made one qualifying payment per month. I am truly am at a loss as to why these wouldnt be eligible toward PSLF.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-02
Company: EQUIFAX, INC.
State: AZ
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 got a30 day late reporting to the credit bureaus. I was never contacted by XXXX XXXX XXXX about this late payment. My credit history has always been impeccable and I have never had a 30 day late. When I spoke to a supervisor after I notice my credit report she said she could not reverse the action. When I asked why I was never contacted she had no answer. Since that event I enrolled in auto pay so this will never happen again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Attempted to access free credit reports from the XXXX main providers on the " annualcredit report.com '' website. Process only worked for XXXX. I could not complete ordering of reports with Transunion and XXXX. XXXX kept telling me to call a phone number which went nowhere. Never able to talk to an agent. Transunion would only allow access if I agreed to pay for a " credit score ''. Upon returning to XXXX, I was informed that I had received these reports, which did not happen.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: EQUIFAX, INC.
State: IL
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:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief