BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-30
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a XXXX credit card. The account was opened XX/XX/XXXX and closed on XX/XX/XXXX. My credit report shows 100 % of payments were made on time. Within the last few months, I started getting late fee charges. I wrote a letter to Comenity/XXXX asking for an explanation and accounting of the charges. I didn't get a reply although I did get a single statement sent to me without any information or breakdown of the charges. I have not received any additional statements but according to my credit report, the balance on that card continues to increase due to late payment fees. I haven't had the card in nearly 9 years so I can't give the credit card number in order to speak to someone on the phone and my correspondence went unanswered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On XX/XX/XXXX I spoke with Navient regarding some loans that I did not realize were part of a different arrangement and not under school deferments regularly. I have a private loan in particular that was in arrears and I arranged to do a retroactive forbearance to bring it current while I sorted out my school deferment process to bring these loans out of repayment. I did this once before, in XXXX of XXXX, and they did not charge me for the practice of forbearing them. This time, as they had years ago when I last needed to do this, they charged me {$50.00} as a good faith payment that they said is standard operating procedure. In the fall I received a settlement from them due to a multi-state lawsuit regarding private student loan practices for borrowers having difficulty repaying their loans and I was specifically refunded for these {$50.00} charges that they should not have charged. It's rather strange when asking for a forbearance due to payment difficulties that Navient asks to collect a good faith payment without saying exactly where this money is going ( to principal? total capitalized debt burden? ) but anyway, it seems they have resumed a practice they seemingly acknowledged was not proper in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-27
Company: EQUIFAX, INC.
State: PA
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:
I would like to formally write a dispute and complaint against the credit agency Equifax. I have attempted over a span of 6 months to include writing and submitting over 6 disputes in writing and 3 verbally to include a fax of a completed previous CFPB complaint that was finalized with the creditor, XXXX XXXX stating they have requested that all credit reporting agencies stop and remove this account from all bureaus. Equifax refuses to address this situation even with all the documentation forwarded for review. This is the only agency that is still reporting incorrect information and who exhibits the most disrespectful customer service ever. I have been on calls for more than 2 hrs, calls being disconnected as the representative refused to assist and when requesting a supervisor to attempt to address this discrepancy that has been carry on for over 6 months, I am abruptly always disconnected after waiting for at least 45mins on hold. 

There must be something done with being to get assistance in trying to correct information with this agency as it is causing many financial issues. Again this is the ONLY company that fails to correct incorrect information. This creditor has been removed from all agencies except this one. Please assist with get closure and correcting this information. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2020 I reached out to the customer service team of Discover Financial Services through its in-app messaging function. The purpose of this communication was to consolidate my two Discover credit cards - my exact words were " Hi, I would like to combine the credit line on my two accounts, and close out the older one ''. The customer service representative who responded to my request was XXXX in XXXX XXXX XXXX. She asked to confirm the last four numbers of the account I wanted to close, which I then provided. She then closed out the account immediately without confirming details about the credit line transfer. It was only after she closed the account, and after I inquired again about credit line transfer, that she told me that she was not able to do that. She insisted that I never mentioned anything about combining credit lines, and the account was closed at my request. That was completely untrue, and I am disappointed by how incompetent and dishonest this service representative was. Not only did she lie about my initial request ( which has an electronic trail and can be easily verified in the messaging function ), she closed my account without consent which is a serious violation of my right and has irreversible impact on my credit score. Her incompetence and subsequent inability to take responsibility for her mistake is completely absurd and unacceptable. I hope Discover Financial Services will rectify this situation to reinstate my faith in using your services in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Lendmark Financial Services
State: AL
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:
Lendmark is reporting the payment status as 30 days late with XXXX and XXXX. The account was paid in 2019. I disputed the account through the credit bureaus and directly with the local office. The company has not changed the information. The company verified the information as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XXXX I submitted a letter to capital one that I was disputing their 30 days after speaking with a customer service agent that a mistake had been made. It had been reported even though I made the payment. My initial payment was returned and as soon as I noticed that this was a problem I made the payment again. My bank rejected the payment due to a charge on the account that I didn't authorize. I explained this and the agent told me it would easily get resolved by a letter and that was the only thing to do. I waited for over 60 days and received a letter back that since I already had a dispute from several years ago there was nothing they could do. This was an old credit card that they decided to cancel unexpectedly after I made a XXXX dollar payment, the entire credit limit, expecting to be able to use the credit. I tried to use the card and it was declined to my dismay, I then called to learn it was just canceled, all they said was that a term of the agreement had been violated by a return payment. How many return payments does this massive bank have? This entire card was a robbery for my entire 20s with their ridiculous interest rate and pennied rewards. This has a hostile and horrible action that has only been exasperated by the pandemic. The payment was made and the rest of the account 's balance was paid off on XX/XX/XXXX. They need to honor the commitment made by their customer service representative that the situation would be handled.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've sent several letters to the CRA '' S concerning incorrect and unverifiable public information. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX or XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX  does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the courthouse and they assured me they do not report full social security numbers to third parties or make social security numbers public records. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy you must verify with the actual furnisher of the information. The law is very clear and states from the date of adjudication or date of order of relief. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. You have injured me in so many ways I can not count! See attached letter from the court!

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 2023-08-14
Company: Merchants and Medical Credit Corporation, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
As shown in the attached, I disputed this debt in XXXX XXXX ( within one month of " Dated Opened '' ), because I had a payment arrangement with the original creditor and the original creditor agreed to withdraw it from the debt collector. The debt collector hasn't sent a verification letter to me or called me regarding this debt since then. But they reported this debt to credit bureaus on XX/XX/XXXX, which violated federal law : they should stop any collection behavior until sending me the verification letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: JPMORGAN CHASE & CO.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
On XX/XX/27 JPMCB AUTO FINANCE used my social security number for an extension of credit, because my social security number was used I received no benefit this is proof of fraudulent activity. Fraudulent activity is unauthorized use of a credit card on behalf of JPMCB AUTO FINANCE I the consumer and natural person, was denied credit by JPMCB AUTO FINANCE when I applied for vehicle. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. JPMCB AUTO FINANCE are subject to criminally liability for violating 15 U.S.C 1691 as I have proof what I was discriminated against by XXXX of XXXX XXXX XXXX due to the response I received. JPMCB AUTO FINANCE is in violation of 15 U.S. Code 1642. U.S.C 1681m and 12 cfr 1002 because I, the consumer, made an application in good faith, but credit was not issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07
Company: EQUIFAX, INC.
State: NY
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:
The Credit bureaus are reporting inaccurate information on my report of a bankruptcy that should not be reporting. I have tried disputing this information for almost one year and they don't seem to care or want to take it off. I contacted the Bankruptcy court and they have not reported anything to the bureaus and said third party companies maybe reporting inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-01
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX XXXX does not seem to follow industry standard as it does not accept automatic payments to pay statement balances in full. 

I am fortunate enough to not have any credit issues and I am able to pay my credit card balances in full each and every month. Unfortunately, I may not always receive my electronic statements, and I prefer to have my balances be automatically paid from my payment source. 

My electronic statement from XX/XX/XXXXwas filtered as spam. As a result, I was not aware of my balance and I was charged a {$27.00} late fee on XX/XX/18. Additionally, I was charged {$8.00} in finance charges on XX/XX/18. When I became aware of this, I immediately processed a payment to pay the outstanding balance in full. 

XXXX XXXX does not provide an option to automatically pay credit card balances in full. It seems like a sham so that they can increase their collection of late fees and interest charges. This seems to be by design and I'd venture to guess that this bank ( compared to others ) has a higher proportion of its income from credit card fees. 

I have not received an answer from XXXX on why they do not provide the option to automatically pay credit card balances in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Paramount GR Holdings, LLC
State: CA
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:
Credit inquiry on XX/XX/XXXX was made by GOODLEAP LLC without any consent from myself. I believe data that was used from a request that I did approve on XX/XX/XXXX was reused on XX/XX/XXXX to get a new version of the credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: AVANTE
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I declare under penalty of perjury ( im in the law of the United States. if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge.Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful miss statements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C 1001. Additionally, these miss statements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization-Use my personal identifier information to apply for goods, services, or money, and was successful in creating some accounts.All is being investigated by the FTC!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I've sent several letters to the CRA '' S concerning incorrect and unverifiable public information. This unconfirmed, unverified, and dismissed ( filed ) bankruptcy has stopped me from obtaining credit. I know for a fact your company receives information on bankruptcy from a third party system known as a XXXX XXXX or XXXX. The XXXX XXXX is inaccurate and incomplete since the XXXX XXXX does not provide complete social security numbers as that would be against the Fair Credit Reporting Act and Privacy Laws. Furthermore, I have been in contact with the courthouse and they assured me they do not report full social security numbers to third parties or make social security numbers public records. Even though it is your company 's policy to keep reporting a bankruptcy that is filed, dismissed, or adjudicated for 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681 ( c ) relating to bankruptcy you must verify with the actual furnisher of the information. The law is very clear and states from the date of adjudication or date of order of relief. It is only fair that in accordance with section 1618 ( a ) ( 5 ) of the Fair Credit Reporting Act you delete this from my credit report and send me an updated copy. You have injured me in so many ways I can not count! See attached letter from the court!

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 2023-01-18
Company: Experian Information Solutions Inc.
State: NJ
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'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 2020-05-30
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
During the covid19 pandemic i was trying to apply for a mortgage forbearance program with my mortgage company.after several attempts by my wife my mortgage company kept giving her the run around.she was informed that since the mortgage was in my name only i would have to call or give permission for her to speak on my behalf which i did at this point we where almost 1 month behind she was told since wr where applying for a forbearance that the 3 months where going to be moved towards the end of our mortgage it wouldn't be a problem then i went to lease a car for my daughter and i was informed that my credit score dropped by 100 points and i checked my experian credit report to find i was marked 2 months behind on my mortgage i imeaditly payed. To bring it current i called XXXX XXXX XXXX was told my score would go back to my original score but till this day it hasn't but my main concern is all my credit card companies dropped my credit substantially in a time of a pandemic and state of emergency without any prior notice i please ask that my credit rating be restored and all my available credit be reinstated since i never defaulted or was late with payments.p.s is it even legal i know it wasn't humanly moral thank you in advance XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the later part of XX/XX/2020, I pulled my credit report from all three credit bureaus. 
After reviewing my report, I noticed Portfolio Recovery Associates was reporting, negative and erroneous items to the credit bureaus. Portfolios actions have negatively impacted my personal credit report. 

On XX/XX/2020 I sent a Validation letter to Portfolio Recovery Associates. ( Letter Attached ) On XX/XX/2020 by certified mail the letter was delivered to Portfolio Recovery Associates Tracking # XXXX ( Tracking Information Attached ) In mid-XXXX I received a response letter from Portfolio Recovery Associates In the Validation Letter that was sent to Portfolio Recovery Associates, I stated that this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed, and validation is requested. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. 

Please provide me with the following : Prove the Statute of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : After reviewing Portfolio Recovery Associates response letter, I noticed that Portfolio Recovery Associates didnt provide their Bond or License. These are required in Texas and is a clear violation of Texas State Laws.

Section 392.101 of the Texas Finance Code : Prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State.

So, I went to the Texas Secretary of State website and entered Portfolio Recovery Associates name and address. They have two addresses, one in Virginia and one in California, both name and address came up with No Records Found. ( Both screenshots are attached ). 

I also went to XXXX XXXX XXXX website, to see if a collection agency had to be bonded and licensed to collect debt in Texas. ( Screenshot attached ) Im very concerned with the tactics that Portfolio Recovery Associates has displayed, and the misleading afforded to collect in a state where they are not bonded nor licensed. This is a clear State violation, FDCPA and FCRA violations. In the CFPB complaint database Portfolio Recovery Associates has over 7,500 complaints against their company ( Screenshot attached ). 

FDCPA Section 1692e 807. False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the  collection of any debt. We can clearly see that Portfolio Recovery Associates had violated FDCPA, FCRA, Texas Secretary of State Section 392.101 of the Texas Finance Code and me the consumer.

Company response to consumer: Closed with non-monetary relief