BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: AES/PHEAA
State: CT
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:
I mistakenly submitted 2 payments to pay off a loan for XX/XX/XXXX. I checked my bank information on XXXX and saw my mistake. When I viewed the loan on XXXX my balance showed {$0.00}. It should have shown - {$400.00}. I called the loan servicer the same day. 
The first customer service representative said that my 2nd payment was applied to another loan and that the balance was {$0.00}. I told her that I did not have 2 loans with the same payoff amount and she hung up on me.

The 2nd representative said my 2nd payment was applied to a loan I paid off in 2010. The balance of that loan was also {$0.00} not - {$400.00}. I said where can I view on the website that shows that a credit is owed to me and she said there was no where on the site for me to view that information. She informed me that a credit was processing and that it typically takes 2 weeks. I requested written/email confirmation and was told I would have it by the end of the day. 
XXXX I call back because I did not receive the email. The 3rd representative said the email would take 3-5 business days. The refund processing time was 2weeks - 2months.

Again nowhere on the website am I able to confirm any information about where my 2nd payment was applied or that I am owed a refund. I have 6 other loans with balances but they applied my money to a loan without a balance. XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-28
Company: Experian Information Solutions Inc.
State: GA
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:
I filed a Bankruptcy in XXXX  with the federal court in Georgia in XXXX. The bankruptcy was transferred onto my private consumer report immediately after from the three major credit bureaus that are private entities and not of government agencies : XXXX, XXXX, and Experian. The problem with this is they did not have permission from myself the consumer 15 usc 1681c identity theft nor did they have permission from the federal court 15 usc 1681 permissble purposes. On my consumer report it states the federal court reported this information, I will attach a letter from the federal court stating this misleading information and a LIE. The federal court has a system PACER ( Public Access to Court Records ) That anyone that pays a fee and established a username and password can access to see any public records of that of consumers. No entity has the legal right to transfer the information onto consumers report without the permission of the consumer and federal court. These bureaus have continuously violated my federal consumer right by adding this public record to my private consumer report. Furthermore, I have provided the proof that the federal court does not report bankruptcies on consumers report and the bureaus have failed to provide proof r that the reporting is legal. The CFPB has done nothing to support me as the consumer. They have only reached out to the reporting agencies and when the agencies have only validated that I have a bankruptcy but failed to validate the reporting of the bankruptcy is legally reported, the CFPB has then closed the case without proof. There has been no true justice served. The reporting of the bankruptcy has ruined my reputation and has hindered me from getting lines of credit and jobs in the past. If any creditor would like to know if I have a bankruptcy they can access the PACER system like the credit bureaus have done to view that Public report, this should not be viewed on my private consumer credit report and I am requesting all of the reporting bureaus to remove this bankruptcy immediately.

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 2020-10-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2019 hard inquiries were made without my authorization by XXXX, JPMCB XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: BARCLAYS BANK DELAWARE
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:
Multiple attempts to have a fraudulent charge on my card removed. Barclays has been zero help. They do not care. At this point I already have a paper statement from them stating I am not responsible for the charge, dated XXXX and the charge is STILL on my card. This began back on XX/XX/XXXX, I've been trying to get this resolved.

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 2023-09-26
Company: EQUIFAX, INC.
State: TX
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:
On XX/XX/2023 I contacted your bureau by certified mail to dispute incorrect entries listed on my credit report. It is my understanding that you must send me the results of my dispute within a reasonable time ; however, as of the above date, I have not received a response from you. Please update/delete the incorrect information I have disputed and send me an updated copy of my credit report. Also, please include the names and addresses of the companies or individuals who were directly checked with in regard to this matter. Attached is the dispute letter I sent your company which is dated and time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: Bread Financial Holdings, Inc.
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:
The CFPB NEEDS TO INVESTIGATE THIS NOW!!! My name is XXXX XXXX DOB XX/XX/XXXX. When I spoke to the rep and paid this account in full once out of the hospital, he just me 100 % All that was owed on my account back to XXXX was a {$35.00} late fee that I filed a Reg Z dispute for and THEY NEVER RESPONDED!!!!! I ENDED UP WITH OVER A {$200.00} BALANCE OVER NOT PAYING A {$35.00} LATE FEE I DISPUTED. Then here is the best part- IT WAS WAIVED WHEN I PAID THIS ACCOUNT IN FULL BECAUSE IT WAS INVALID!!!! XXXXCommenity Bank is in violation of UDAAP, Reg Z Billing disputes and FCRA! They continue to report my account past due for XX/XX/XXXX!!! They clearly know I had XXXX  in early XXXX and did not get out of the Hospital and back to normal until early XXXX!!! NO ONE WOULD TALK TO MY HUSBAND TO GET ME ANY HELP ON MY ACCOUNT!!!! THEY SAID HE WAS NOT ON THE ACCOUNT AND COULD NOT ASSIT HIM!!! HE THEN PASSED AWAY FROM XXXX  IN XXXX BY THE TIME I COULD GET IN CONTACT WITH MY VICTORIA SECRET I HAD {$100.00} 'S IN LATE FEES AND MY CREDIT IS RUNIED!! 

They told me, oh had they been aware, there was options that could had prevented all of this!! Well my husband tried making them aware!! They would not talk to him!!! The same for my Victoria Secrect Account! 

I almost died from XXXX  AND THESE XXXX UP LENDERS DO NOT CARE ABOUT THE CONSUMER!!! THIS IS UDAAP!! HOW COULD I WHEN ON XXXX XXXX CALL ANYONE AND THEY WOULD NOT TALK TO MY HUSBAND! ONCE I COULD, I PAID THIS ACCOUNT IN FULL AND THE COLLECTION REP SAID, MY CREDIT SHOULD BE CORRECTED, BUT I WOULD NEED TO FILE A DISPUTE FOR BOTH THOS ACCOUNT AND XXXX. HE SAID SOMEONE SHOULD HAD TALKED TO MY HUSBAND AND I SHOULD HAD BEEN OFFERED THE ASSISTANCE OPTIONS THAT WERE AVAILABLE!!! 

I PAID THIS ACCOUNT IN FULL AND THEY TOLD ME MY CREDIT SHOULD BE FIXED NOW FIX IT!!! I HAD TO CREMATE MY DAUGHTER WHO DIED FROM XXXX LAST MONTH BECAUSE THESE CARELESS XXXX  RUNIED MY CREDIT!!! I COULD NOT AFFORD NOR GET A LOAN TO GIVE HER A PROPER FUNRAL!! THEY NEED TO BE HELD ACCOUNTABLE FOR THIS!!! 

OH - THE REG Z VIOLATION IS THEIR FAILURE TO RESPOND TO MY BILLING DISPUTES I ISSUED TWICE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-30
Company: Paramount GR Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
LoanPal has repeatedly demanded payment via phone calls, but have been unable to provide any statements outlining the debt owed. 

I have made multiple attempts to get them to stop calling to collect a debt for which they have been unable to provide a statement for, but they have refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: Experian Information Solutions Inc.
State: VA
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. 

XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account # XXXX opened XX/XX/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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose update late payments for following dates to current or delete account from credit report. 

XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 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 2023-03-09
Company: Consumer Portfolio Services, Inc.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
My car was financed through a company by the name of Consumer Portfolio Solutions in XX/XX/2019. Since that month and each subsequent month, I was charged a {$12.00} fee for each payment made since the purchase date. 
Upon calculating these erroneous fees, which were NOT disclosed prior to financing with this company, the total is {$570.00}. 
I am requesting that the full amount of each fee is returned to me promptly. This company didnt include paying a fee in order to pay my car payment each month. Ive purchased vehicles previously and never had a company charge me a fee for paying my car payment. 
Lastly I would like a full review of this company and why there are hundreds of consumer complaints. Not solely due to my issue I described above, but the preying on those who are both low income and in the process of fixing their credit. I will explain how. 
How? There is no transparency of how/why/when my payment will go towards interest or principle? Ive called and spoken to representatives who dont know how to answer that question, get defensive and tell me to refer back to my car loan agreement. 
I immediately began to read and look for the answer in the car loan documents and low and behold, theres nothing! 
Many consumers on different websites/blogs are having or have had these same issues. 
These practices are both deceptive and discriminatory, as this company is well aware of the customer base that they serve. 
I am demanding answers to both of my issues outlined above promptly. I am also demanding a full and complete refund from Consumer Portfolio Services immediately. 
Taking money while never disclosing the information is deceptive and greedy in practice. 

Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
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 status incorrect

Complaint:
XXXX Is an account Paid In Full and I would like to get it removed from my TransUnion Credit Report .

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 2023-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows 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 2022-04-28
Company: M&T BANK CORPORATION
State: NY
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 fair credit reporting act Ive contacted them asking for proof of contract or application for an approval none can be provided 15 usc 1681 section 602 I have the right to privacy 15 usc 1681 section 604 A ( 2 ) 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 2018-03-09
Company: Navient Solutions, LLC.
State: MO
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I tried numerous times to find a way to lower my payment working as a non XXXX XXXX XXXX. This company only gave me the option of forbearance. My loan ballooned. I took out XXXX and ended up with a Student loans over 65K in 8 years!!!! I couldn't file bankruptcy, or lower payments from what they called acceptable monthly payments of " XXXX ''!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Ability Recovery Services, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Ability recovery services and made arrangements to pay them .I did set up payments to come out of my account on both bills, Then I called agin and left a message that I would be making payments of a different amount on the XXXX of XXXX not the second. I did make the payments on XX/XX/XXXX. On XX/XX/XXXX they took XXXX dollars from my account and said it was a arrangement. I told them I made the payments So why are you Taking more money. They told me there was nothing I could do. So I had to block my card. The lady name is XXXX who I talk with. This has been a nightmare for me. I am willing to pay them but do not want them taking money from me.

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 2020-12-29
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan account with loan care XXXX XXXX. XXXX XXXX XXXXXX/XX/XXXXXXXX, VA XXXX ). I have made all payments including escrows on time, however the company has not accounted for my escrow payment of {$690.00} made in the month of XX/XX/2019. They have sent me a short fall notice and increased the total payment this year. I have been trying to contact them but no one picks the phone and no response on multiple emails. I have had problems previously when they defaulted on my tax payments and I had to pay penalties on those. all my attempts to contact this company has been futile. I hope at CFPB there will be appropriate action taken against the company. 

Thanks, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
This is about Comenity Bank for my Torrid store credit card. 

Every time I try to log in to the account website, my login doesn't work. One time I called and was told that I had to use all caps for my login user name. And that worked that day. Then I tried again another day and it didn't work. I tried to reset my account information and entered all my identifying information and was told that my account was not found. The hold time for customer support took for ever and then I got disconnected and had to start over with their phone tree. I gave up that day because I didn't have time. I tried again today. Again, a long hold time and then disconnected. I called back. The representative sent me an email with a URL to log in. That time it worked and he said to save that link in my bookmarks because there was a " glitch '' that accessing the login from the bank 's website at XXXX XXXX XXXX didn't work. This is completely unacceptable behavior that has persisted for weeks. 

I need reliable competent access to my account because I have paperless billing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 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 accounts ( A ). It is not permissible to fail to validate these reporting accounts 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 2022-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The Past Due Fees charged by Capital One are usurious. I have been charged this fee 2x in the last 2 months. I called to have a fee reversed and was denied. The concern I have is my balance is at {$62.00}. If I was not charged these fees I would have a {$0.00} balance. 

I believe this is a UDAAP violation because I am being charged interest on fees only and not a " true '' balance and I would not have a balance if it were not due to these outrageous fees.

Company response to consumer: Closed with explanation