BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-30
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
The company is Comenity Bank for XXXX XXXX. I with my mother, the owner of the account reached out to make amends for a missed payment while she was hospitalized. We expressed our wish to pay the account in full and close the account. The rep gave me a reduction in late fee of {$15.00} and gave a balance due of {$50.00}. He then closed out the account. I mailed the check and it was cashed on XX/XX/XXXX. My mother remained in a rehab facility out of her home state until XX/XX/XXXX at which time she moved into NJ. Twice an address forwarding form was completed. both by mail and online, and the postmaster general was contacted, however she received no forwarded mail. Forward to XXXX XXXX and she has received multiple phone calls that she owes {$340.00} to Comenity Bank in late fees and finance charges. No paper statements or verification of debt was sent. No appraisal of right to dispute was received. She was intimidated on the phone with being sent to collections if she didn't pay over the phone. Several attempts were made by my sister and myself to dispute the validity of charges and refund her money. I explained twice that the fees were excessive and violated the CARD act of XXXX because the late fee exceeded the minimum payment, twice I was told that's not true and doesn't exist. Furthermore no statements are available to review online past XXXX. There are just transactions for a minimum finance charge of {$2.00} and late fees of {$35.00} and up. We in good faith tried to rectify this in XXXX for a jacket that originally cost {$36.00}. We will agree to pay the last late fee that was charged in the XXXX statement and wish to get a refund of {$89.00} that she was intimidated into paying over the phone. Senior citizens shouldn't be subjected to these bullying tactics over the phone, nor should any citizen be prey to deceptive and abusive charges at the mercy of these banks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-06
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I hope this letter finds you well. I am writing to request the removal of outdated accounts from my credit report. After reviewing my credit report, I noticed that there are several accounts that are more than seven years old and should no longer be reported.

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 2019-07-02
Company: WELLS FARGO & COMPANY
State: UT
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:
Wells Fargo # XXXX is reporting a late I do not owe. My account is on auto payment and I know it was paid that month. This late is added in error and is inaccurate and should not be there.

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 2018-05-04
Company: Experian Information Solutions Inc.
State: CA
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:
EXPERIAN CONTINUES TO REPORT INCORRECT INFORMATRION ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND THIS IS A REAL ISSUE. 

1. XXXX XXXX XXXX IS NOT MY ACCOUNT # XXXX ON MY CONSUMER CREDIT REPORT XX/XX/2017 : MY CONSUMER STATMENT SAID THIS ACCOUNT WAS DISCHARGED IN BANKRUPTCY XXXX,XXXX OR XXXX? ( EXCIBIT A ) 2.XXXX XXXX ; ACCOUNT # XXXX STATED I ALSO FILED CHATER XXXX,XXXX BANKRUPTCY REFER TO EXCIBIT ( B ) 3. XXXX/XXXX  # XXXX ... NOT MY ACCOUNT VICTIM OF ID THEFT NOT MY ACCOUNT 4.XXXX XXXX # XXXX I NEVER STATED ANY SUCH THING ABOUT FAULTY MERCHANDUISE.

5.XXXX XXXX XXXX XXXX ... XXXX FRAUD ACCOUNT EXPERIAN IS MAKING FALE STATMENTS THESE ACCOUNTS DO NOT BELONG TO 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 non-monetary relief
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
XX/XX/XXXX, XXXX purchased two of my student loans.  I was in deferment at the time.  In XX/XX/XXXX XXXX  reported to the credit bureau I was late on my payments.  I never received information regarding the purchasing of my acct.  My one phone gets about 20 robo calls PER DAY.  I have had to ignore/turn off for peace of mind.  If they tried to call I probably couldn't tell due to the tobo calls.  I discovered XXXX when I obtained a credit report.  Contact with their acct resolution is did not get the info corrected and stated they cannot correct the credit info.  I would have to have a complete XXXX discharge that dated back before the report to the credit bureau occurred.  That I signed a paper in XX/XX/XXXX that I would keep the loaner informed with contact info.  I still live here but phone ??????  Being under impression that I was in deferment......am I to call the lender each week to make sure they have not sold my acct?.  I don't know how students can keep up with so many companies and transfers in the mist if so much fraudulant companies taking advantage of us....especially XXXX yr old ones.  Something needs to be done to clarify who is who and companies responsible for taking deferments with their purchases or alerting the consumer.  Now I have 7 to 10 yrs of bad credit from it.  I trusted the system when I filed for the deferment to keep it.

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 2019-01-31
Company: JH Portfolio Debt Equities, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im attempting to communicate with JH PORTFOLIO DEBT EQUITIS. I have checked my credit report and there is an report of a debt owed for the balance of {$1600.00} the account is roughly 10 years old. I have attempted to call, dispute the credit debt, and mail a verification validation letter. I sent a  validation letter in the middle of XX/XX/2018 and have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
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:
Someone open a credit card account with XXXX XXXX Bank on XX/XX/2014 utilizing my social security. Current creditor Portfolio Recovery Associate disclosed that the debt amount is for {$2100.00}. Address utilized is from NY, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-30
Company: Russell Collection Agency, Inc
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX is refusing to delete this debt. I have paid this medical bill 5 months ago. All my information on my credit report needs to be updated ASAP! And all old accounts that's over 2 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: CITY NATIONAL BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I believe the travel concierge department who handles points redemption for travel owes me XXXX Points. They did not allow me to rebook a flight, in accordance with XXXX XXXX change policy, and forced me to pay for it again with points. Let me explain : XX/XX/XXXX Booked an itinerary Trip ID XXXX on the Travel Portal below XXXX  -- >JFK XX/XX/XXXX XXXX -- XXXX XXXX  XX/XX/XXXX XXXX Points XX/XX/XXXX 8 days prior to departure, I called to change the itinerary, where I would be traveling only one segment of the itinerary XXXX  -- >XXXX  on XX/XX/XXXX. The outbound flight ( XXXX -- >XXXX  ) would be cancelled and a XXXX travel bank credit would be issued for half of the itinerary. This is current XXXX policy found at XXXX XXXX XXXX This states that for voluntary flight cancellations there is no cancellation fees and the fare is issued as a XXXX XXXX XXXX credit. 

I then tried to use the travel bank credit through the travel portal to book a flight for my wife on XX/XX/XXXX. I was told that I am not allowed to book a flight using the travel voucher because it can only be done under my name. I discussed with that that according to official XXXX policy, I can use the XXXX XXXX credit for anyone I like. As per the official policy, " The name on the account does not need to match the name of the traveler ''. See screenshot below. 

Despite citing the official XXXX policy, I was denied the use of the XXXX XXXX Voucher for my wife. Instead, I was forced to book a separate flight for her using my existing points balance. 

XX/XX/XXXX Forced to pay for a new XXXX flight using XXXX Points Trip ID : XXXX XX/XX/XXXX XXXX XXXX XXXX -- XXXX XXXX  for my wife I was told that since I used the XXXX XXXX XXXX portal, I would have to suffer with a more restrictive cancellation policy than what is available by directly booking with the airline. In fact, I did call XXXX directly and they informed me that if I had made the itinerary change directly through XXXX, I would not have incurred any additional points or fees. I do not think that this is fair and I would for the travel concierge to credit my account with the XXXX points that I didn't need to spend to book my wife 's XXXX flight on XX/XX/XXXX Thanks and I look forward to your reply.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: The Law Offices of Kenosian & Miele, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
A judgement was placed again me in California while I was living in Arizona. I was a victim of identity theft, and I had my purse taking. I have try to communicate with the company overseeing the account in collection. Today XXXX XXXX refused to send me a copy of the original debt claiming the company Kenosian & Miele LLp mailed it in the past. Not true I have never receive a copy of the originally debt in all my years of requesting it. I never had a contract with XXXX XXXX XXXX A New York Partner prior to finding out about this judgement. The company they represent has sent me a refund check. I only receive the copy of a California judgement. It very unfair and unconstitutional not to see the changes against me. By refusing my request and still insisting I pay while calculating accruing interest I am being treat unfair and unreasonable. When I make a complaint they go away for a while and a year or so come back. These debt collects should show the real debt is accurate and if its real and true. These lawyers learn how to take advantage or the consumer because they are financial bullies to the average low income consumers ....

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: JPMORGAN CHASE & CO.
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Chase bank closed account without notifying. Prior to it being closed, I had paid in full at all times. I submitted a payment for it to be paid in full, and it bounced from my bank. 

I called and asked why. It now is registered as eight unsuccessful payments which is the bank payment bouncing without notification. 

They also said it was due to my credit activity which involved a standard opening of a mortgage, car loan, a business credit card, and a credit line for a business computer with a low monthly payment. 

These are unfair reasons, considering I have always paid my account in full and been a responsible and responsive customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: JPMORGAN CHASE & CO.
State: NC
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:
The charge was for a LOT of money from XXXX XXXX XXXX XXXX which turns out to be a fraudulent company. Initially the " company '' promised the ability to cancel for a full refund ; however, the company is actually a scam. No service requests were ever completed, all the phone numbers, email addresses, and website were disconnected after taking payment, and multiple complaints and cease and desist orders have been filed across the country about this fake company. Chase refuses to adequately investigate the fake company and claims the company sent back documentation to show the charges are valid ; however, the documentation itself is fake and does not prove anything whatsoever. No services were actually received by any consumers because there are no services to receive. Consumers should not have to pay for fraudulent services advertised by fraudulent companies and credit card companies need to do a better job of investigating such credit card scams. 
Additional documentation and request to reopen the dispute were sent via US Mail and have been ignored.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-04
Company: LDF Holdings, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
On XX/XX/XXXX I had sent an email to XXXX XXXX to revoke ACH consent as I am struggling financially and need to set up a different payment plan. I also sent a Cease Communication notice and advised them that I would reach out to make arrangements when I was able. On XX/XX/XXXX they withdrew funds from my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX XXXX XXXX is trying to collect on a medical account when I've never been in any business with said company. in addition they are violating the hippa laws about furnishing medical information without consent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: EQUIFAX, 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:
There is one account on my credit report that is not mine I have tried sending letters and disputes to the bureaus and the furnishers and I have got back nothing. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I want to report repeating incorret questionare problems I encountered by logging into the Experian credit service and policies today ; as well as problems not being able to speak to a live person today. 

I called Experian questions department that was referred to me by an XXXX letter dated XX/XX/XXXX due to a previous log-in issues dated XX/XX/XXXX ( I had my PIN number ) and a verification of a new address, which is not new, but a variation of this existing address that we live on for seventeen and half years now. 

I wanted to submit a copy of my driver license and a phone bill as a proof identity to clear up any record problems. Our address variations are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX These are all the same address and the last two abbreviations were used for fifteen years without problems. Recently, our post office wont deliver certain mail or packages if the street name is XXXX XXXX or XXXX XXXX. 
I did get locked out of Experian due to one of the variations being listed as previous address, which is not correct. 

Once again they have errors in their records, because I answered questions No. 1, 2, and 4 absolutely correctly. Question No 3 was about credit card names, which I did not recognize. I verified the information per their XXXX credit report for my husband dated XX/XX/XXXX and my credit card statements. This report was provided to him due to a complaint filed with your office XX/XX/XXXX ( Complaint No. XXXX ). 

I am also running into problems with Experian listing an employment at XXXX XXXX, which is my husbands previous employer, not mine. I wanted to make sure XXXX   does not list it as well.

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 2020-10-30
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/XXXX I dropped down to part-time at the hospital where I have been working since graduation in XXXX. I have submitted regular ECF throughout my employment all previously have been approved for the PSLF. 

In XXXX I submitted two ECF to account for the period between XXXX XX/XX/XXXX and XX/XX/XXXX in which I was still a FULL-TIME employee and from XXXX to present to indicate my current PART-TIME status. FedLoan Servicing incorrectly deemed the period of XX/XX/XXXX to XX/XX/XXXX as unapproved employment and failed to count this period of payments towards my PSLF. 

I have contacted the company three times regarding this error which has been " in review '' since XXXX. After my XXXX inquiry I received an email saying that it was STILL in review and I would be contacted when that has changed. It is nearly XXXX and I still have not had this matter resolved. 

It is concerning to me that FedLoan can not accurately account for a simple status change which is labeled clearly on the paperwork I submitted. How can they be trusted to handle more complicated situations in which a person has two part-time employers counting towards PSLF. 

This error which resulted in me not being credited for 9 months of payments towards my PSLF must to addressed and resolved immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-24
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
JP Morgan Chase Bank does not provide copies of statements with a XXXX-balance, notwithstanding payment activity on the account. I requested copies of several statements with payment activity and a XXXX ending balance, and the bank indicated no statements are available verifying payment. 

I need these statements for tax purposes and when I spoke with Chase about this, they said would not provide them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-24
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon reviewing my credit report i noticed several inaccuracies regarding my student loans.On XX/XX/XXXX closure of XXXX XXXX XXXX colleges where closed by the department of education due to reporting and lack of information they were mandated to keep XXXX College where i attended took out several loans without my knowledge.clearly fraud was committed at this school.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-01
Company: EQUIFAX, INC.
State: NJ
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 contacted Equifax on XX/XX/XXXX and XX/XX/XXXX on two accounts that have been paid, Equifax have been refusing to correct the information. I asked Equifax if they could change the payment status to paid rather than for it to say late. I provided them with all the information to prove that these accounts were paid and no longer late, they still refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: 21ST MORTGAGE CORP.
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I usually pay my loan payment early, but I lost {$350.00} dollars income because of the pandemic. I called 21st Mortgage to ask them to work with me, they would not. So I finally got the money together and I paid my loan payment on the actual due date. They charged me {$290.00} finance charge because I did not make a payment in XXXX. But I paid my XXXX payment in XXXX and my next payment was not due until XX/XX/XXXX. I did not miss any payment and was not late making my payment. They said it was because I did not actually make a payment in the month of XXXX. Can they legally do that? I only found out because it caused my credit score to go down and got a notification. Is there any way they can be made to remove that finance charge. That is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-30
Company: Selene Holdings LLC
State: NJ
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:
Selene Financial XXXX is not complying to the fully executed forbearance / modification agreement, terms & conditions of modification agreement. This problem has been continuing for over 4 months and have not been resolved. I have spoken to them more than 4 times and have also written them certified and regular mail letters to get the problem resolved.

Company response to consumer: Closed with explanation