BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-04
Company: CAINE & WEINER COMPANY, INC.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
According to FCRA, Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) and 1681i ( 5 ) ( A ), credit bureaus are required by law to have verifiable proof of any account you list on a credit report, otherwise, anyone with the ability to report to you could fax, mail or email in a fraudulent account. I demanded to see proof for the listed accounts and was NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). So I advised that under 1681i ( a ) ( 5 ) ( A ) " If... an item of the information... can not be verified, the consumer reporting agency shall... promptly delete that item of information from the file of the consumer. '' According to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 6 ) ( B ) ( iii ), creditors are required by federal law by request of the consumer, a description of the procedure used to determine the accuracy and completeness of the information, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. They must provide this request no later than 15 days after receiving this request for that description according to the Fair Credit Reporting Act, 15 U.S.C. 1681 Section 611 ( a ) ( 7 ). In the results of their first investigation, they stated in writing that they verified '' that the items were being reported correctly. 

1 ) Who in your company verified these accounts? 
2 ) How did they verify them? 
3 ) Please provide me with the name of the individual, business address, and telephone number of the person or business contacted during your reinvestigation. 
4 ) Include the documentation that was used to verify the dispute. 

They have NOT provided me a copy of ANY hard copy documentation showing that you have properly verified these accounts. So I advised that under 1681i ( a ) ( 5 ) ( A ) " If... an item of the information... can not be verified, the consumer reporting agency shall... promptly delete that item of information from the file of the consumer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: FL
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 Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have a spousal consolidation direct student loan and am divorced from the co-maker. I am listed as qualified for the PSLF with 20+ more qualified payments than required FedLoan services the loan and has been been contacted and been unresponsive for months. My portion of the loans have not been forgiven despite my legal right to have this done under current non-waiver rules for spousal consolidation direct student loans, per the FAQ on the Dept of Ed student aid website. I can not get my case reviewed or updated by FedLoan. It is outrageous that I can not get my loans forgiven almost 2 years after qualifying. It is also outrageous that when they are forgiven, I will still have to continue paying my ex-husbands student loan debt off AND have his loans continue to be posted to my credit history. This is unfair and unreasonable. I am not the only person in this situation, and many are in an even worse situation with abusive or uncooperative spouses or ex-spouses who are loan co-makers. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Resurgent Capital Services L.P.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX, I opened a credit card account with XXXX XXXX. I submitted a payment for the full balance on this card and paid the credit card off with the intention of cancelling the card. After that, I received no communication from XXXX XXXXXXXX other than the balance re-appearing on my credit card and them stating I could no longer access my online account to make payments and that I would need to contact them. XXXX  XXXX sent my balance to PYOD LLC collections company for the amount of {$510.00} that I paid. I attempted to dispute the charge with PYOD LLC through XXXX XXXX which did not work. After this, I contacted PYOD LLC directly and informed them I made the payment on this account in full and was not sure why it was sent to collections. They advised I contact XXXX XXXX to receive my full credit card statement with purchases and payments. I contacted XXXX XXXX who said they no longer had access to that information and that I would need to contact PYOD LLC for those records. I contacted PYOD LLC again early in XXXX and informed them of what I found out and they stated they did not have the records and there was nothing they can do other than submit a request to XXXX XXXX. I have still not received my full statements from XXXX XXXX or PYOD LLC and they have this collection on my account hurting my score. PYOD LLC is stating that they can remove my delinquency if I make a payment but have been vague about it and refuse to send any paper communications. This balance is so minimal, however, I do not feel like I should pay this amount a second time when I know I paid it. I think it's very strange that the companies can not even communicate between one another to actually validate the debt OR provide me any information about this debt. I need this collection account removed from my credit report as this amount has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: JPMORGAN CHASE & CO.
State: OR
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:
On XX/XX/XXXX, I booked a flight ( {$980.00}, trip # XXXX ) using points and cash without air fare rules being provided. I called Chase XXXX  ~3 weeks ( XX/XX/XXXX & XX/XX/XXXX ) before travel date ( XX/XX/XXXX ) but was told to pay a penalty of {$400.00} for a flight change. Meanwhile, the air fare dropped to below {$800.00}. 

Neither the booking process nor the confirmation email from Chase XXXX provided any details about air fare rules. As a result, I never had and still don't have access to air fare rules, and lost my opportunity to remediate the risk from paying a penalty for any flight change. I feel misled and trapped into my purchase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-08
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I wanted my loan assessed for possible restitution for a Direct Parent Plus loan that was being managed by XXXX. When I went to assessed if there were any inappropriate loan practices, the loan was shortly transferred to Aiadvantage. Aiadvantage then begin to send me emails as to this transfer. When I went to log in to start my assessment as to the status of this loan, the site informed me that they are still working on transferring this loan. Then on XX/XX/22, I received some call wherein a message was left on my voicemail from a representative stating they were calling from Advantage. I checked the website to see why they were calling ( i.e., late payment, discussion of transfer ) yet the site continues to report they are still working on the transfer of this loan. I understand the cancellation of debt was related to private loans but that does not exempt XXXX from utilizing predatory practices for any borrower whose loan was being managed by XXXX. Before I could even inquire, the email correspondence started coming in by Aiadvantage. Therefore, I believe my loan should undergo a review for any predatory lending practices so I can either be forgiven of this loan due to such misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: EQUIFAX, INC.
State: MI
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 have requested via certified mail and green return receipt, a reinvestigation of this inaccuracy of an account being reported. Ive requested that all documentary evidence used to validate this account be provided to me. 
Pursuant to 15 USC 1681e Equifax and XXXX failed to comply with federal law. 
Instead of updating this account accurately to paid in full, both CRAs have stated that the creditor has verified the reporting status of this account. I am the original creditor the only person who can validate any allegation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2022 a denial letter was sent to me after I applied for consumer credit. I have reason to believe, and do so believe I have been discriminated against. I am an applicant exercising my rights under the Consumer Credit Protection Act.

Loan is not defined in the federal laws that protect consumer credit. I never applied for a loan, I gave my credit card information, to extend credit as the original creditor, giving Rocket Mortgage access to my open-ended consumer credit plan for my benefit. My credit card is connected to my open-ended consumer credit plan pursuant to 15 USC 1602 ( j ).

My Social Security Number is not for identification, it is in fact a credit card defined by federal consumer credit protection laws pursuant to 15 USC 1602 ( l ). You used my credit card to get information from someone other than me to deny me of my right credit. 

Use of my credit card in which I receive no benefit, is unauthorized use of my credit card pursuant to 15 USC 1602 ( p ). You have violated federal law, and have caused me damages with your violations.

You have an opportunity to fix your wrongdoing, by approving the requested amount in the application. If you fail to do what I requested, I will have no other option but to file a complaint against your Truth in Lending violations. These laws are public and violations will be considered to be wilful and knowing, the civil liability of Truth in Lending violations are twice the finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: Bread Financial Holdings, Inc.
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: Other problem

Complaint:
I have a XXXX XXXX Visa Card. Originally, this card was serviced by Comenity bank. However, in early 2022 this card transitioned to XXXX XXXX. I was not aware that this occured, so I continued to send my payments through to the account that I had setup foXXXX XXXX with XXXX XXXX XXXXXXXX. For a while, Comenity sent the payments to XXXX XXXX and they were applied to the Visa balance. However in about XXXX of this year Comentiy stopped forwarding the payments to XXXX XXXX. When I finally realized that my payments were not being applied to the Visa account, Comenity had {$5200.00} in unapplied payments. I have called them more than a dozen times since XXXX and have sent 4 letters. I am not getting anywhere with this issue. I have a copy of payments that were posted on my bank account and I can show that no corresponding payments were made to the Visa account. Comenity has been so unresponsive. First they tell me to go through XXXX XXXX XXXXXXXX to dispute and then when XXXX XXXX XXXXXXXX disputes they tell XXXX XXXX XXXXXXXX they will not discuss a customers account with a third party. 

Attached you will find payments that have processed to XXXX but not posted to the credit card. And you will also see the credit card payment history for the same dates. As you will see from the recon file, these payments do not appear in the payment history. 

Kindly assist me in getting a refund for this overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2019 I noticed this balance on my credit history from ACCOUNT RESOLUTION SERVICES. Tried to call them to see what company was associated with them never got a response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23
Company: EQUIFAX, INC.
State: VA
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 was verified without any proof other credit bureaus saw that it was not mine and deleted it from credit report. I have never done business with this collection company or the company they represent XXXX was verified with no proof. Other credit bureau deleted it from credit report. 

These are violation of the fair debt collection act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-05
Company: ENOVA INTERNATIONAL, INC.
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Account opened with company on XXXX XXXX XXXX, with my social security number which is also my credit card pursuant to 15 USC 1602. I am notifying the company of a billing error on all past, present, and future statements. The company has failed to credit properly my consumer account. I am making the company aware of their requirements as a creditor and I do in good faith expect them to resolve the billing error as the federal law describes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I sent a letter on XX/XX/XXXX to XXXX Credit Bureaus to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) the credit bureaus are required to remove any accounts or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX, XXXX, and XXXX & I am including it again., 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 NC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX  XXXX XXXX : {$0.00} XXXX XXXX Balance : {$340.00} XXXX  XXXX XXXX Balance : {$500.00XXXX XXXX  XXXX Balance : {$0.00} XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
Company: Credit Karma, LLC
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
From XXXX, I was constantly getting offers on the Credit Karma website . These offers were for credit cards, personal loans and auto loans. 

I was told that I was pre-approved for these loans and cards, but I was denied, causing my personal credit score to receive negative Marks and lower my score even further.

This made my financial situation even worse causing a lot of stress, anxiety and strain.

One of the companies was XXXX XXXX, which I applied to several times, and there were several other credit card companies as well. 

Ive had an account with Credit Karma For several years now, so these offers can all be tracked. 


Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-04
Company: Experian Information Solutions 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 XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, Medical Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-04
Company: Experian Information Solutions Inc.
State: FL
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  Account # has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-29
Company: Experian Information Solutions Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX CC : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY

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 2022-09-24
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX fraud department left a message for me to return the call 2 days in a row and left the same call back number. When I called back, he explained that my account was hacked and I needed to pay for the hacked charges on my XXXX XXXX Bank account for a new XXXX and XXXX XXXX. He was yelling at me to send it, and he promised it was a request for the money that was about to hit my account from being hacked. said I had not sent it when I was supposed to. He then instructed me to send the request for the money, promised it was money to pay for what was charged due to my account being hacked. He began to yell at me, put me on hold to talk to a supervisor, then provided me with the information to send it, and I was coerced into sending it and approving the charge. His name was XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation