BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-25
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have two direct subsidy loans that I'm working on getting forgiven through Public Student Loan Forgiveness ( PSLF ). I keep track of it diligently. In XX/XX/XXXX I noticed one loan had an extra qualifying payment. I contacted MyFedLoan and they said they would look in to it. After not hearing anything for a month, I contacted them again and was told it would take time. I didn't contact them in XXXX but sent an email requesting an update as it had been close to four months since sending the initial email. I didn't hear anything for a week so I called on XX/XX/XXXX and was told they are still looking in to it. Apparently one of my payments was off by XXXX cents due to an error with their software. But because I still have a ways to go before my loans are forgiven, I had to wait until people closer to forgiveness had their issues resolved. I'm being perpetually pushed to the back of the line. Four months is a long time to wait for an issue over a nickel that was caused by their software.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18
Company: CCF Intermediate Holdings LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
During the application process I was told there was a low interest. I am an XXXX XXXX woman and I feel I was taken advantage of during this process. They basically forced me to take the money with high interest this situation is really hindering me and is not good for my credit report. I have reached out to the merchant and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing to express my deep dissatisfaction with the handling of my mortgage account by US Bank. Over the past several weeks, I have encountered significant challenges and delays in the removal of an informal forbearance that I had previously requested. This matter has not only caused undue stress and frustration but has also placed me in a compromising situation as I am pursuing a home equity line of credit with another lender. 

Several months ago, I initiated an informal forbearance with US Bank due to unforeseen financial difficulties. However, when my situation improved, I promptly submitted a written request to have the forbearance status removed from my account. Despite multiple requests and assurances from US Bank representatives, this process has been egregiously mishandled. I have consistently been told that the removal was " in process '' and that it would take 3-5 days to finalize. Regrettably, this timeline has repeatedly proven to be inaccurate, and the requested removal has not been executed as promised. 

As I am currently in the process of obtaining a home equity loan from another lender, the presence of the forbearance status on my account is causing detrimental delays and potential financial repercussions. I have made every effort to comply with the requirements of the home equity loan application, including bringing my mortgage account current. Despite these efforts, the fact that US Bank has not removed the forbearance status is impeding my progress and jeopardizing my chances of securing the loan. 

The continued mishandling of my request and the subsequent delays have caused me to lose confidence in US Bank 's ability to manage my mortgage account effectively. I am perplexed by the persistent delays and lack of accountability on the part of the bank. It is disheartening to have to invest my valuable time and resources in multiple follow-up calls and requests for a seemingly straightforward matter. 

Moreover, the prolonged nature of this issue is now putting me at risk of losing the opportunity to secure the home equity loan I am pursuing. This potential loss would not only disrupt my financial plans but also result in additional charges and fees. 

I kindly request that the Consumer Financial Protection Bureau intervene in this matter to ensure that US Bank promptly removes the forbearance status from my account and provides me with the necessary documentation, such as the requested exit letter. I believe that the bank 's handling of this issue is both unreasonable and detrimental to my financial well-being. 

I appreciate your attention to this matter and look forward to a timely resolution. Please feel free to contact me at XXXX or XXXX if further information is required. 

Thank you for your assistance.

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 2023-08-22
Company: Affirm Holdings, Inc
State: HI
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 had used Affirm to buy a stay at a hotel for the amount of {$420.00}. In XXXX that balance was paid off in full. In XXXX I received a notification that the account was delinquent and my credit score was affected by XXXX points. I disputed the score with evidence of the account being paid off and my dispute was declined by Affirm inc . I had previously also contacted Affirm about the issue and they refused to let me speak with anyone other than the customer service agent who refused to help me. I was told that there was no manager and all they could do was set up an email dispute. They never did. They said they did, it was a lie. They lied so that I wouldnt continue the dispute. Every time I call now they hang up on me. That account was paid in full. It was not delinquent. This has wrecked my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-21
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Someone tried to obtain a credit card from XXXX through XXXX.I never applied nor would I.Iwrote a letter to XXXX to send a letter of Deletion to Transunion but after a month was told they were not able to comply because they use XXXX XXXX XXXX to do credit checks and the bank is responsible for all credit from XXXX. I contacted the bank and they said it was not their responsibility to resolve XXXX disputes.Transunion was very hard to reach and said they could not help me without The Letter of Deletion from XXXX The date I was first aware of the fraud was XXXX XXXX,2017.

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 2023-04-25
Company: Bread Financial 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:
COMENITY BANKXXXX XX/XX/2022 ( date of inquiry ) COMENITYCAPITAL/XXXX- XX/XX/2022 ( date of inquiry ) I have never applied or had a Comenity credit card .so Im wondering why they would inquiry with my SS #?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: ENOVA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX XXXX  is trying to collect a debt from me on behalf of Cashnet USA. This debt is over 10 years old and they have been threatening to sue and garnish my wages for several years. They sold this debt to a different collection agency before and it was wiped off of my credit because of identity theft. They dont have the original agreement and they havent validated this debt. I would like to sue both companies because I am trying to get a new car and this collection account put my score in the 400s. This is unlawful and defamation of character. According to the FCC, this debt is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-28
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:
XXXX - XX/XX/XXXX ( I do have a credit card with them that was opened on XX/XX/XXXX ) XXXX  XXXX - XX/XX/XXXX - ( XXXX  XXXX has confirmed this is Fraud - This is not attached to my credit card opened on XX/XX/XXXX ) XXXX  XXXX  - XX/XX/XXXX - This company has confirmed this is a fraud account - but has yet to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-22
Company: CAPITAL RESOURCE MANAGEMENT, INC.
State: SC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I, XXXX XXXX, received notice in the mail from XXXXapital Resource Management , Inc., that I owed a debt on XX/XX/2018. Capital Resource Management , Inc., violated 5 of my federally protected consumer rights under 15 USC 1692, the Fair Debt Collection Practices Act. The violations are as follows : 1 ) 15 USC 1692b ( 5 ) - a symbol/logo was featured on the contents of the letter indicating that Capital Resource Management , Inc., is in the debt collection business, no symbols/logos are to be used ; 2 ) 15 USC 1692b ( 2 ) - my location information was obtained by Capital Resource Management , Inc., in communication with XXXX XXXX XXXX regarding the collection of debt stating that I owe a debt, which is not to be stated ; 3 ) 15 USC 1692d ( 2 ) - language was used in which the natural consequence is to abuse the hearer or reader, " pay in full to prevent further action '' ; 4 ) 15 USC 1692e ( 1 ) - false representation of an affiliation with a State ( the license number provided by Capital Resource Management , Inc., did not exist in the New York State database of the Department of Consumer Affairs ) ; 5 ) 15 USC 1692d ( 1 ) - the suggestion that Capital Resource Management , Inc., furnishes information to the Consumer reporting agencies is harmful to my reputation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
This is a follow up on my earlier complaint # XXXX. I was overbilled by a lawyer and I disputed the charge. At the last moment, I got a letter from the bank after almost a month of filing the dispute informing me I only had about four days to get back to them with my defense, or the dispute would be cancelled. I rushed around trying to get it to them, and they said I missed the deadline. I called them and disputed the timeline, and filed a complaint with you the CFPB and then I got phone calls, and they credited my account. I re-sent the documentation. A month went by, and I got another letter informing me to submit more documentation defending my claim. I faxed it via my local branch at XXXX Bank of America in XXXX on XX/XX/XXXX, and also sent the documentation to them. Saturday, XX/XX/XXXX I checked my account and found that the charge had been added. 

I jumped through all their hoops, and sent the documentation, and right now I have been on hold for 40 minutes. We have a lot of money in their bank, and I can't believe how I am being treated, still getting the runaround after all my patience doing whatever they asked. They wasted my time jumping through all their hoops, and didn't even bother sending me a letter explaining why my dispute was turned down. I'm not using their credit card anymore, I'm sick of Bank of America and the disrespectful way they have been treating 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 2019-01-13
Company: Bread Financial Holdings, Inc.
State: OH
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:
On XX/XX/XXXX I went in store at XXXX XXXX to return an incorrect item I received via an online order ( incorrect item shipped ). The correct item was no longer available. Because the store did not have the correct item to scan for the return, they called customer service and the representative on the phone said she would credit my account the {$42.00} paid ( original charge date of XX/XX/XXXX ). However, that was NOT done. I have spoken to two representatives on the phone and an in-store associate at the XXXX XXXX XXXX location in XXXX, OH and no one has fixed this issue. When the correct item was sent, the receipt said I paid {$0.00}, so I cant even return that! 
When I tried to use their secure message center and typed my message THREE times, it said it was not sent due to an error. It said to call the number, and the number said their office was closed!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-08-22
Company: NCB Management Services Inc.
State: TX
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. This creditor has violated my rights. Under 15 USC 1681, section 602 states I have the right to privacy. Fifteen USC sixteen eighty-one section six oh four A section two it also states a consumer reporting agency can not furnish an account without my written instructions. Under fifteen USC 's one six six six B. A creditor may not treat a payment on 'a credit card '' account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
My name is XXXX XXXX. 
I am writing to delete the following information off my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask the items to be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed enclosed copies of the Commissions Identity Theft Affidavit. Please delete these items as soon as possible. These negative remarks are hindering me in attaining not only a mortgage but also a car loan.

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 2023-08-17
Company: EQUIFAX, 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 following accounts have violated my rights : XXXX- # XXXX - {$730.00} XXXX XXXX - # XXXX - {$2300.00} XXXX XXXX XXXX - # XXXX - {$3500.00} XXXX XXXX - # XXXX {$3500.00} XXXX- # XXXX - {$1800.00} XXXX # XXXX - Bankruptcy XXXX  XXXX Bankruptcy- Reference # XXXX 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 2018-05-22
Company: TRANSWORLD SYSTEMS INC
State: CA
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:
XXXX XXXX XXXX XXXX XXXX is suing me in civil court for a loan that I have never been notified as past due, and shows current on my credit report. The Court case number is : XXXX I have never been notified of attempt to collect or that this account was past due, and the account shows current with a XXXX balance on my credit reports. My credit report also shows the last date of payment was XX/XX/XXXX and shows as current/never late through XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 @ XXXX, I received 2 text messages on my cell phone claiming to be from Chase Bank Fraud Dept @ XXXX, case # XXXX. First message asked if I had attempted {$200.00} at a XXXX XXXX XXXX 2021 in Georgia -- I did not. Second message asked if I had made a XXXX payment of {$2000.00}. Both asked me to reply XXXX or XXXX. After replying NO @ XXXX I received a call from XXXX @ XXXX to discuss the remedy for this fraudulent claim. The person I spoke with, XXXX XXXX, walked me through the " process to remove the scammer '', XXXX XXXX, from the Chase XXXX account. He claimed I had to authorize another {$2000.00} transaction to remove this scammer. I followed his instructions for another {$2000.00} and I am now out a total of {$4000.00}. Chase claims they have no responsibility to restore my funds even though the scammer used the XXXX transfer pay process to access my account. Incredibly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, JP Morgan Chase XXXX XXXX Bank XXXX XXXX and XXXX XXXX XXXX all jointly own XXXX but claim it is a third party they have no control over and are not responsible for any of its transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-31
Company: MoneyLion Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have been a victim of identity theft

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 2022-08-12
Company: EQUIFAX, INC.
State: TX
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 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 Section 2 it also states a consumer reporting agency can not furnish a account with my written instructions. 

XXXX XXXX XXXX-Account # XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.-Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: EQUIFAX, INC.
State: TX
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:
This inquiry does not belong to me ; I have no connection with these creditors. I urgently request its immediate removal from my credit report.

Company response to consumer: Closed with non-monetary relief