BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-11
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a claim with Ultamate Rewards Mastercard : Comenity Bank on XX/XX/2019 for {$600.00} against XXXX  XXXX XXXX for not delivering services as agreed that I had to pay-in-full. 

1 ) I could not speak with a Rep in the Claims Dept. I had to speak to the Cust Care Dept who had not one clue as to what was going on as they are NOT the claims department. 
2 ) I had to submit ALL my correspondence via the online messaging center and I sent them every piece of proof I had that XXXX  was in breach of her written agreement to have made 90-180 posts in which she only did 13 and  caused me to miss my book promotion deadline. 
3 ) Comenity Reps sent me an email the first time saying they did not have enough information and closed the claim. I had to call them back and speak with a Customer Care Rep who agreed to reopen and had me to resend my emails that I had already sent prior. 
4 ) I received another email saying they considered the matter closed as the receipt stated all services are final and there are no refunds. How can that be legal when XXXX did NOT deliver as she promised, as per our agreement when she demanded I pay her in full. 
5 ) The claim had to get re-opened as a Supervisor looked into it after another supervisor refused to listen to me and told me it was not their problem and I needed to take it up with XXXX  as I paid the charge and that meant I agreed to her terms and I had not proven my case. 
6 ) Comenity still agreed with the merchant and reversed the temporary credit saying her services are final and the charge is valid per the terms. What terms? She said she would post 2-4 times per week for 45 days, including promoting my book and graphics in which she did not. The Cust Care Rep would not transfer me to the claims department as he said there is no way to do so. Comenity never even gave me the chance to provide a rebuttal and closed the claim without even granting me the courtesy to clarify anything. 
7 ) Not being able to speak with an actual claims representative and the vague email replies are not convenient and very frustrating.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
JPMC CHASE, XXXX XXXX XXXX  has reported incorrect account on my credit report. XXXX XXXX Account was removed but XXXX   unblocked my credit file and allowed XXXX XXXX to place the unauthorized account on my credit report as opened in my legal name. XXXX claims they did a investigation and received signed contract from XXXX XXXX. This is not true and false information on my credit report. I have attached police report from the original accounts opened without my consent. XXXX   refused to file my dispute and advised I contact CFPB. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) (  A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Continental Services Group, Inc. d/b/a ConServe
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The school put fees on my student account that I never consented to and a debt collection company is now calling me to collect and saying the debt is valid even though I never agreed to these fees. Im not paying it because I never agreed to pay those fees. I attempted to dispute the charges being added to my student account and they just said you cant. Conserve is saying the debt is valid even though I never legally signed a contract that agreed to these fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My mortgage acount with Chase is not being reported to XXXX due to an " internal credit agency policy ''. According to Chase, the data is accurately reported to XXXX. According to XXXX, the data is not being accurately sent by Chase. 

This same account shows up accurately on all other credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-06-05
Company: Experian Information Solutions Inc.
State: VA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected 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 2021-10-10
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Hello. 

I am currently working with Speedy Cash to pay off my loan with them. My payments are going through with them and there is no trouble even though I had been behind for some months. 

Another party called XXXXhas been harassing me the last week with over XXXX emails, a few long text, and phone calls. 
They have threatened to come to my house and my workplace. They first said by XXXX  and then they switched their wording to XXXX. They have threatened to sue, adding amounts each time they send an email. They are also asking for my payment information and private details. I dont believe my speedy cash loan is supposed to be collected by XXXX and they are being inhumane, disrespectful, and using threats and words of harassment. They repeatedly said they will come to my house and workplace. Along with many false claims and rude comments I need this to be solved. 
Speedy cash is working with me and there are no issues between us. XXXX however has some of my info and is wanting all my info. Not sure what else I can do about this and Im worried they can try finding me at my old address and workplace. 

I will attatch all emails and records shortly

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: Navient Solutions, LLC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Navient reported that I had missed multiple payments on my student loans balance based on my income. In reality, I had made every payment on time. The problem was, when I was making my payments, they were applying my payments to one loan and not the sum of my loans. In turn this resulted in saying I was missing payments which greatly affected my credit score. I was at a XXXX and this Navient mistake took my credit score to a XXXX. I have tried to reach a solution with their customer service department which resulted in no help at all. I am now stuck with horrible credit of a " missed payment '' when that isn't true at all. I'm XXXX and dealing with this and it's such a struggle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-10
Company: General Motors Financial Company, Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/21 We turned in our old leased vehicle XXXX XXXX in XXXX PA. 
We decided to take out a new lease on a new vehicle that day at this dealership. 
When we went in to sign the loan papers we stated that they had the names in the wrong place. My husband was to be the Lessee & I the Co-lessee. They said no this was the correct way. I as the Lessee & he as the co-lessee. So everything went through. We left with the new vehicle. 1 week later I received a call from GM Finance They stated that they still had us listed on the old vehicle and that the payment was due for that car. I told them we turned it in. They said I had to call the dealer and tell them to do a close end on the old vehicle. That they had no record of a new lease. So I did just that. I talked to an appraiser there who said he would get the sales mgr. involved. I talked to the sales mgr who said he would take care of it and call me mon. 
with my new account number. No call. To make a long story short I have been on the phone with GM Financial XXXX & XXXX for 3 weeks trying to get this solved. The only thing that happened was we got NEW loan papers that had been corrected with names and totals to sign. This involved GM Financial running a new credit report on XX/XX/21 for the new loan papers. that XXXX submitted to them. This affected our credit score. Also we are in the process of refinancing our house. Now the loan Co. wants to know why we took on new debt as of XX/XX/21. We didn't, it was before we refinanced. I am at my wits end. Gm still has the old vehicle listed even though we turned it in a month ago. Every time I talk to someone either at the Dealer or Gm they say they will take care of it. So here we are still a month later.and still not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened the new PNC checking account in XX/XX/2020 with a promotion offer of {$200.00}. I met the requirements for the offer but I have not received any update or the bonus as mentioned in the promotion offer. I kindly request the PNC honor the offer. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2023-03-08
Company: CAINE & WEINER COMPANY, INC.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A collection account from CAINE & WEINER appeared on my credit report and do not have any knowledge of it nor do I have any written and signed contract with the mentioned company and have they have failed to present the contract which I dont have with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: Experian Information Solutions Inc.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2023-12-18
Company: Chime Financial Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I had a double charge on my account thought I was getting help from chime customer service and it was a scam, had me downloading a app gave me a code to put in then started screen recording my phone sent {$950.00} to they self and blocked me.I had got paid Thursday night Friday it was gone and chime is no help this happened XX/XX/XXXX today is the XXXX I sent over a lot of information to them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-18
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On or around XX/XX/2023, and XX/XX/2023 I sent letters via certified mail that also included a copy of my driver 's license and a utility bill to verify my identity to Midland Credit Management. I sent the letters after I obtained a copy of my consumer report and I saw that they were reporting a debt. I requested verification that shows it was me who owed the debt. I requested to have the documents with my original signature as I am a victim of identity theft and have identified several names and addresses on my consumer report. Midland Credit Management has failed to provide me with the proper disclosures for verification of this debt however they continued to send letters and call me to collect on a debt that I do not know of.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: GOLDMAN SACHS BANK USA
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
I AM NOT LIABLE FOR THIS DEBT WITH APPLE CARD/GS BANK USA XXXX I DO NOT HAVE A CONTRACT WITH APPLE CARD/GS BANK USA , THEY DID NOT PROVIDE ME WITH THE ORIGINAL CONTRACT AS I REQUESTED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-25
Company: Shellpoint Partners, LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
extremely hard getting touch with actual person Very lengthy process in getting the loan reworked Hidden fees we were not told about Payments not being processed on the website. It showed it processed and a week later no payments shown or processed from my bank not applying payment if not an exact payment amount, just holding while interest is added to loan. 
Extremely long on hold times on calls, possibly on purpose or they say they will transfer you and it goes back to hold or even worse tranfer you to someones voice mail and it says their voice mail is full. 
Does not let you pay extra principle on the website Very outdated information on the website Honestly just looking for a more reputable company. We did not choose shellpoint XXXX loan was tranfered to them during banruptcy. Feel as tho they take advantage of lenders when they do not have great credit. 
I am sure im missing additional items, Most important to me is to get the word out Shellpoint mortage services is a terrible company to deal with and people should be informed of it, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-13
Company: Bridgecrest Acceptance Corporation
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 information incorrect

Complaint:
Bridgecrest falsified that I had a late payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-09
Company: TFS FINANCIAL CORPORATION
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 information incorrect

Complaint:
Copy of email of issues, sent to ThirdFederal Savings and Loan about Mortgage Credit Reporting under Covid-19 and it's Forbearance customers : To whom it may concern, my account is XXXX, In the beginning of the forbearance, as seen in my email below, dated XX/XX/2020. I specifically asked about the process with no penalty. 
It has come to my attention that you have posted remarks on my credit report saying " affected by the Natural Disaster '' with zero payment, and no payments for several months ( see images below ), which is a subtle but direct way of reporting a negative to my credit report as not payment to others : mtg reportXX/XX/XXXXXXXX ( see attached ) mtg report-XXXX  ( see attached ) This action by Third Federal is a violation of the CARES ACT. I demand that these remarks and non payments for several months be corrected immediately, to avoid legal action potentially class action. Your actions have caused me injury to my financing activities because you have used a tricky way of reporting me behind on my mortgage. When this is not the case under the CARES ACT. 

Additionally, if Third Federal was going to report these negative remarks and gap in payments, which by law it can not, it should have explicitly explained this to its customers so they would have full disclosure. 

The law states, according to : XXXX XXXX XXXX  " New Credit Reporting Rights Under the CARES Act If a consumer is able to obtain a covered accommodation, the CARES Act offers the following protections : If the consumer was current on an obligation at the time of an accommodation approval, the account must be reported to CRAs as current if the consumer is complying with the accommodation agreement. 15 U.S.C. 1681s-2 ( a ) ( 1 ( F ) ( ii ) ( I ). 

These basic CARES Act rights translate into the following technical implementation, as guided by the standardized Metro 2 format developed by the Consumer Data Industry Association. This Metro 2 format is explained at NCLCs Fair Credit Reporting 6.3.2.

When a creditor reports accounts as current, the Metro 2 reporting format includes both a payment history field and an account status field. If the CARES Act requires the account to be reported as current, one would assume that both fields should be reported as current, i.e., the payment history field should be reported as not being past due while the account status field should be reported as current. See NCLCs Fair Credit Reporting 6.3.3.3.4. ''

Company response to consumer: Closed with explanation