BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-25
Company: AES/PHEAA
State: NJ
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 eligible to receive loan forgiveness of {$17000.00} per the XXXX Loan Forgiveness Program. To receive forgiveness, you must be XXXX a qualifying subject at a Title-1 school for 5 consecutive years. I have fulfilled this requirement, though at two schools. My first two years XXXX, I was XXXX special education at XXXX XXXX XXXX XXXX XXXX which is in a Title-1 school district. I then moved to XXXX XXXX XXXX XXXX in XXXX ( Title 1 district ) and began XXXX 6th grade math ( qualifying subject ). I have applied for XXXX loan forgiveness ( which I know I am eligible for as a few of my colleagues have received forgiveness teaching the same subject ( s ) ) and have been rejected on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX While I understand that my earlier applications were rejected due to submitting prior to end of the school year, the application rejected on XX/XX/XXXX was submitted on XX/XX/XXXX, after I completed my 5th XXXX  year, and my application was rejected as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm sending you this complaint to let you know that I was a victim of identity theft. According to FCRA section 605b, credit reporting agencies are required to block/remove any accounts listed on an identity theft report. I did some research on how to remove the fraudulent accounts from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. This is a list of things that don't belong to me or that weren't opened with my consent. 
XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX Balance : {$660.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$28000.00} XXXX XXXX XXXX XXXX Balance {$800.00} XXXX XXXX XXXX Balance {$240.00} XXXX XXXX  XXXX Balance : {$2300.00} XXXX XXXX XXXX XXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX XXXX Balance {$95.00XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXXXX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit 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:
This dispute is with Synchrony Bank. 

I paid off my card in full, then months later received an email about my minimum payment due. I went online and saw that there was a charge for over {$600.00} that was not made by me ( no charges had been made by me since I paid off my card ). I reported this as a fraudulent charge with the bank and was told it would be resolved after an investigation. No further communication was made to me through the " investigation '' and I just received an email again telling me they put the charge back on my account. 

The fraud department won't call me and never contacted me during the " investigation '' all I received was a cryptic email that I had to click some link to show a PDF of a document that looks like its from 1980 saying they investigated and are stating the item was shipped to " my address '', they didn't even list my address nor provide any detail on this information. This is a flat out lie. 

I've tried to resolve this with them and they have hung up on me when calling, they have given me the runaround with the " Fraud supervisor '' saying they can't answer any questions about the fraud and that only the " investigation team can '' and I must call this or that department. No one seems to have the ability to help me and they wouldn't accept my request to have them delete my auto pay information from their system. They also told me if I wanted a transcript or recording of our calls that I would have to subpoena them.

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 2020-04-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I live in XXXX, one of the epicenters of coronavirus infection. Unable to go out I ordered groceries to be delivered. Chase Bank locked my card for fraud. ( This was XXXX XXXX  Saturday XX/XX/XXXX ) Obviously this was because the fraud detection algorithm has not been updated to reflect that peoples buying habits have vastly and suddenly changed worldwide. 
I called every customer service number they have. All have an identical message : due to coronavirus we have reduced our hours and are closed. I tried the website but the secure message center said it will take a week for a reply. I tried XXXX but all they do is tell you to call ; they will NOT say when the phones will open again. 
It is surreal, like the banking system is failing. Its not just me. There are desperate, hungry people messaging them on XXXX. Monday some lines opened but people spent up to 2 hours on hold then the calls dropped ( they posted screenshots of the phone call lengths ). 
Some people locked out of accounts are having rent checks bounce. It had taken me almost a week to get a grocery delivery slot & I was frantic. Thank god I have a good friend who stepped in and ordered my groceries on his own card this morning. 

I am unable to buy anything, and I can only use a card ( I have just one ) because were all inside. I contacted the XXXX XXXX and the XXXX XXXX and now am contacting you. I know a lot of terrible things are happening but we shouldnt also be unable to buy food.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX  XXXX Date Opened : XX/XX/XXXX Balance : {$330.00}, and XXXXXXXX XXXX XXXX  XXXX Date Opened XXXX XX/XX/XXXX Balance : {$10000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions

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 2020-04-06
Company: Shellpoint Partners, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX my newly refinanced loan was sold to Shellpoint Mortgage for servicing rights. Since that time i have made monthly payments in accordance with note each month. I am current and plan to continue to pay as agreed. Per my monthly statement, the monthly payment is {$8700.00} and includes the following ; - {$6700.00} ( Morgage ) - {$1600.00} ( Tax Escrow ) - {$280.00} ( Insurance Escrow It should be noted that although this loan was sold to Shellpoint with taxes and insurance paid to current status, Shellpoint has not been paying my property taxes to my local taxing authority on time. They have clearly made an error but will not admit and/or rectify their wrongdoing. Shellpoint 's mishaps has lead to late fees and interest charges that appear on my account. I have demanded several times ( most recently on XX/XX/XXXX ) in writing and by phone for them to allow me to pay my taxes directly and avoid late fee interest charges. I will not pay for mistakes that i am not responsible for. I have not missed a payment since they have acquired my loan. 

My request is simple. I would like to have the escrow requirement waived so that I can pay my taxes directly as I can not trust that Shellpoint will ever handle my taxes correctly. I am asking CFPB to take action immediately. I have been asking since XXXX of 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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
15USC 1681 SECTION 602 states I have the right of privacy.

15 USC 1681 SECTION 604 A Section 2.. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B.. A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late payment for any purpose.

I am demanding this account be updated to paid as agreed and never late. 

Creditors Name : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX Date of Late Payment : XX/XX/XXXX, XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: First National Collection Bureau, 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: Account status incorrect

Complaint:
On XX/XX/2020, in the amount of {$1500.00} to First National Collections Bureau. I paid for deletion and it is still on my credit report saying unpaid. 


On XX/XX/2020, in the amount of {$700.00} to XXXX XXXX. I paid for deletion and it is still on my credit report as unpaid. 

I have contacted the companies and all I get is a hold on then they hang up.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
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 XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, The XXXX XXXX Account # XXXX, XXXXXXXX XXXX XXXX  Account # 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 a account without my written instructions.

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 2022-05-05
Company: EQUIFAX, INC.
State: PA
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:
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, 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 a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I was informed by Chase that an XXXX card had been opened under my name in XXXX of XX/XX/22. I contacted the bank the day I found this out. They blocked the account from charges and then opened an investigation. My first issue was that upon signing into my account ( I had a Chase Freedom card I also monitored ), I noticed that one day that the card was randomly reopened with the same balance. No notification and the card was actually reaccessible to use just as before. The bank did eventually notify me that they believed this was just a card that I opened. I explained to them that someone had utilized my social security number that day to attempt to also open a XXXX card but luckily I had put a freeze on my credit in time to stop that account from being opened. They again did the same exact thing ( Chase ). Blocked the account, opened another investigation. Until today, the account had not reappeared on my online banking statement. However, today, once again it is there with the balance of XXXX. If the bank had cared to contact me to request more information it wouldn't have been difficult to show my XXXX account in the timeframe without a charge for that amount. Upon further reviewing of old documents, it also appears that although the bank initially closed the account for safety, they took it upon themselves to reopen it by simply giving it a new number. This is apparently an XXXX XXXX. I have attached my complete purchase order history for XXXX to show I never made this purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
THE XXXX XXXX XXXX XXXX  IS A FRAUDULENT INQUIRY. I DID NOT AUTHORIZE FOR THEM TO RUN MY CREDIT. I WANT THEM TO PROVIDE PROOF WITH A SIGN DOCUMENT STATING I APPROVE THEM TO DO SO.

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 2018-07-28
Company: Experian Information Solutions Inc.
State: NV
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 contacted Experian today XX/XX/18 regarding the updates via email regarding my disputes regarding accounts reporting on CBR that reflect SCRA the 1st rep XXXX I spoke with advised 14 accounts had been removed from my CBR and she would send me an updated report reflecting the disputes that had been removed when she transferred me to the disputes department the rep I spoke with XXXX she advised her team she is with is in the XXXX XXXX XXXX and is also part of the XXXX XXXX. I advised to her what the previous rep advised and that was not the fact these accounts hadn't been removed and I advised her this situation has been very stressful and a little history of not getting adequte assistance on the disputes submitted and they are holding the creditors accountanble for the information the are report to the CBR I advised I've had to dispute these account several times and there still not doing DUE DILIGENCE on these accounts. I asked her if she was aware of the federal law SCRA she advised no. My question was for her working with the CBR and personal information that the CBR is to monitor the accounts to verify the creditors properly reporting our information. Also when I asked her this question she became rude. I asked who would I file a complaint with she advised CFPB due to there only a 3rd party reporting agency but also pushing blame of the issue at hand that there not holding themselves accountable for people 's credit accounts. I asked ot speak to a superisor she advised would have her boss XXXX call me on Monday I advised I would rather hold due to I've already been on the phone over 50 mins by then she advised that I refused a call back that she would disconnect the call very rude no tac or understanding of the matter at hand. I then called back and spoke to XXXX in the fraud department this rep took the time to listen and grasp the situation she as well didnt understand SCRA that effects Serviemembers daily. Dealing with mental anguish, stress, XXXX that this continues to be a vicious cycle that is not being handle properly when contacting the creditors.To validate removal of accounts that were not maintain by the creditors the bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-26
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I applied for and received a hardship forbearance from my mortgage company, Load Depot, for the months between XXXX and XXXX of XXXX due to my XXXX XXXX needing XXXX XXXX following XXXX XXXX and my having to pay for that treatment out of pocket. At the end of the forbearance period, XX/XX/XXXX, I resumed my payments and, under the instructions of Load Depot, applied for a refinance so that the missing payments would not need to be repaid all at once. They approved the refinance by XXXX of that year and I sent in signed paperwork. A tiny typo made them deny it, and then they instructed me on how to reapply. I reapplied immediately, using all of the same information. It took them another 8 months to make the decision to approve my refinance. I made payments every month in that time frame. During that time, they reported my loan as in default. Now the refinance is approved, I'm paying the new monthly mortgage amount, but they have not updated the credit bureaus. My older son got himself into the best XXXX XXXX  in the country and received nearly {$100000.00} in scholarships to attend, but my credit is so damaged that I can't take out school loans to cover the difference. We all made sacrifices to save my younger boy 's life last year, but asking my older son to sacrifice his future is too much. Loan Depot should never have reported me in default. And I should be in good standing to take out loans for my older boy to pursue his dreams.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-25
Company: Bread Financial Holdings, Inc.
State: MO
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:
I have always payed my payment early. I have been paying extra payments. So that my loan is payed off. And was considering having more dental work once loan payed off. I have payed a total of XXXX payments for the month of XX/XX/2023. I looked online and it stated Im late for XXXX when i have payed triple payments for XXXX. This needs corrected. This could affect my credit score. I would like to buy my dream home. And this could affect me achieving my goal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On or around XX/XX/2019, XXXX  XXXX placed a collection on my XXXX  credit file. Upon further research, I found out this account transferred or sold and I am is no longer responsible for the account. XXXX XXXX has failed to show details about age and of the debt from original creditor, a detailed explination of any interest added or payments and legal authorization for this interest, the date the original creditor claims this debt became delinquent. According to the FCRA, XXXX XXXX  has violated my rights as a consumer. I am requesting legal action to remove this account immediately.

Company response to consumer: Closed with explanation