BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-03
Company: Bread Financial Holdings, Inc.
State: NH
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:
On XXXX XXXX 2018 I bought a diamond ring for My wife for our XXXX wedding anniversery at Diamond international that they said was a XXXX for {$18000.00} when we got back Home to XXXX nh we had it appraised at a local jewler that said it was worth {$9500.00} I spoke to DI who said I had to bring it to one of there appraiser and gave me the name of XXXX XXXX at XXXX XXXX XXXX. XXXX told me the ring was a XXXX to XXXX and had XXXX chips that DI never mentioned and said yhey were probably done in the mounting of the stone. When I told this to di they said they would give me 25 % off a new mount but I have to spend double what I spent or I could get a {$45000.00} DI gift card I told this was not an option since they lied to me about my first purchase with them and told them I wanted to return the ring since it was not a XXXX that the certificate they gave me said and had two chips they never disclosed. I filed a dispute and they continue to give me bad credit rating which should not be allowed since its in dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-22
Company: Nelnet, Inc.
State: NJ
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
All my student loans are with NELNET. I was never offered an income driven plan, even though I asked about it several times. Instead I was put into forbearance for years and incurred interest costs in the amount of {$35000.00}. The only other option that I was offered was to pay over {$2000.00} a month, and for sometime I had no job or I was making very little. They threatened me with ruining my credit or garnishing my paychecks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: EQUIFAX, INC.
State: TX
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 an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XX/XX/XXXX, I signed all the required information and had my affidavit notarized by my local Notary Public in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past XXXX months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 an XXXX XXXX account from XXXX with account # XXXX that is not mine. There is currently a charged off balance of {$1900.00}. XXXX XXXX can not validate any information on this account. I mailed disputes to the credit bureau on the following dates to have this account deleted : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,  and XX/XX/XXXX. The credit bureau continues to respond saying that their reporting is accurate according to XXXX XXXX. This is where my problem starts and is also the reason I am submitting this complaint. On XXXX XXXX, I received a letter from XXXX XXXX requesting that I fill out an " Affidavit of Identity '' to investigate why this account is being reported to my credit. On XXXX XXXX, I signed all the required information and had my affidavit notarized by my local Notary Public in Texas. A couple of days ago, I finally received a response directly from XXXX XXXX telling me that they do not have an application or signed contract that validates this account belongs to me. This is a huge problem. For the past six months, the credit bureau has been telling me the account is being reported accurately to my credit. IF this is true, then why ca n't XXXX XXXX provide me any validation for this account? This suggests to me that the credit bureau is not taking time to process my dispute properly and is taking the least absolute effort to help me find a solution for my issue. I have no knowledge of this XXXX XXXX account and according to the Fair Credit Reporting Act, if information can not be properly validated, it needs to be deleted immediately from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
This account is being reported inaccurately. This account is already PAID and with no balance. Also, XXXX  & XXXX is reporting this as CURRENT & PAID while XXXX is reporting Late 120 Days. 

I have disputed this a couple of times but never got a response from them and no proper resolution of the dispute.

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 2019-10-18
Company: JPMORGAN CHASE & CO.
State: IL
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:
Chase claims that they sent me a letter on XX/XX/XXXX saying that they would close my account, but I never received that letter. It claims that in that letter, it stated that I needed to call them to keep my account open due to a period of inactivity. Additionally, I am signed up for paperless notices so I receive all my information, including statements, via email. I received a promotional email on XX/XX/XXXX regarding that card saying that I qualify for a temporary, promotional APR from XX/XX/XXXX until XX/XX/XXXX. I enrolled that same day and received a confirmation of that enrollment, and began using my card again. I used my card until it expired at the end of XX/XX/XXXX, when I anticipated receiving a new card. When I saw nothing in the mail, I looked at my account on XX/XX/XXXX and saw that my account had been closed. This account has been open 6 years and 4 months and it is helping me build credit. My credit score will go way down and I am just starting to get on my feet and make money after being in school for long. If I had received the letter, or the information in an email, I would have acted fast, as I did for the promotional rate. It is unjust for Chase to have sent me a paper letter knowing I signed up for email notifications, and so even if required by law to submit a mail letter, Chase should have also notified me via email as I had anticipated. I thought everything was fine with my account when I activated the promotional APR, I had a false sense of security that everything would be at least fine until XX/XX/XXXX. This deceptive, unjust tactic is false and misleading, and I am extremely disappointed. I tried calling customer service on two separate occasions and everyone says that there is nothing that can be done. Please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-18
Company: Ocwen Financial Corporation
State: SC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX - I set up a 3 month payment plan to bring my 2nd mortgage current. It consisted of 3 consecutive payment to be made in XXXX, XXXX, & XX/XX/XXXX. After making the XX/XX/XXXX payment my account would be current with the next payment due by XX/XX/XXXX. 

~ between XX/XX/XXXX - XXXX - I received a statement from PHH stating that I owed {$410.00} ( current mortgage plus {$26.00} in late fees ) on XX/XX/XXXX. This made no sense to me since I had made my XX/XX/XXXX on XXXX which showed on my statement ; however, PHH failed to apply that payment appropriately. 

- ~ XX/XX/XXXX - I spoke with XXXX ( id - XXXX ) who informed me that he would get the payment applied properly. 

> XX/XX/XXXX - I received another bill from PHH stating that I was two months behind on my mortgage and owed {$790.00} by XX/XX/XXXX. This statement showed that the {$410.00} had been applied to the principal. 

- I called PHH again and spoke with XXXX ( id - XXXX  ) who informed me that she would get this fixed and reversed. 

- XXXX - I called PHH and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. He put me on hold for 25 minutes and then somehow I was disconnected. 
- XXXX - I called PHH back after the disconnect and spoke with XXXX ( id-XXXX ) to follow up on correcting the previous errors made by PHH. She stated that XXXX had entered the wrong information and my payment was still not applied appropriately. She said she would request a reversal so that the funds would be applied correctly to my account. 

XXXX - I called PHH again to follow-up on the reversal request - after being on hold for 30 minutes I finally spoke with Mahvette ( id-? ) who informed me that the reversal request was rejected with no reason given. She offered to transfer me to an Escalation Team Member - to take no longer than 7 minutes. 

XXXX transferred me to XXXX ( id - XXXX ) who told me I needed to speak with an Escalation Manager. After being on hold for over 40 minutes, I was not able to speak to a manager. XXXX offered to have them call me back ( expected response time 24 - 48 hours ). I also requested the direct number to Escalation ( XXXX ) XXXX in case I wanted to call them myself instead of waiting. He apologized for the wait. He also checked on me periodically while I was on hold. 
I have been trying to resolve this issue with PHH for over a month to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: Student Loan Direct
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I saw a shared post on XXXX saying StudentLoanDirect1.com could help with my loan forgiveness and debt consolidation. I was told to contact XXXX XXXX at XXXX. She explained how her businsss works and that they work with the Department of Education ( DOE ). It sounded legitimate. A few days later a friend told me they were scammed from a company just like that. After contacting my loan servicer and the DOE, I quickly learned that the company is a scam. They have my SSN, FSA ID, and credit card number. Even though they gave me a refund and claimed all of my info was purged from their database, I am still worried about my sensitive info. I also changed my FSA ID and notified my bank of the scam.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-18
Company: Mountain Run Solutions, LLC
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account does not belongs to me. I have never had any account with this company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/XXXX, I got a notification from my Experian app that an inquiry was added. I discovered there was an inquiry from XXXX  XXXX XXXX on XX/XX/XXXX and upon further investigation, another from XXXX  XXXX XXXX on XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Comenity XXXX XXXX credit card. Originally made payment due XX/XX/XXXX - they received it XX/XX/XXXX and posted it on XX/XX/XXXX. They charged {$28.00} late fee and {$1.00} interest. Argued with them via phone. I closed the account and issued payment thru my credit union bill pay system to get them out of my life forever. Check went out XX/XX/XXXX. They posted it to my account XX/XX/XXXX. It was due XX/XX/XXXX. They charged YET ANOTHER {$28.00} late fee AND {$1.00} interest. Called today to complain XXXX. They could not remove the charges because the account is CLOSED! I  told them I would not be paying this charge EVER and this is some kind of predatory practice on their part. I am not responsible for when they decide to open the envelope with my check and post the payment and I can not believe that it took more than 5 days for my check to get there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: DE
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:
I receive on a semi-regular basis my FICO Score and any updates to my credit from Eperian.com via email. I was looking for a balance transfer card which Experian offered many options. So I clicked on the credit card section just to view rates and fees for the various products. I DID NOT fill out any applications or submit any of my personal information. 

Now I am getting, in the mail and by email, loan rejections from companies I have never heard of nor would ever even consider for my needs. So far I have received more than 5 " sorry we can't approve your loan at this time '' letters and emails. 
I called each of the companies and they all gave me the same response, " Did you go on any Experian website? '' I told them I had but never applied for anything. They agreed I hadn't applied and they added, '' Experian will " push my personal information to the companies listed on their website without telling you ''. None of these companies nor Experian had my consent to do so. Now companies I have never heard of, the list grows almost daily, of having my personal information to do who knows what with. How is Experian allowed to use either " stealth '' tactics or some use of personal information buried soo deep no one can find it. I personally feel my privacy and my right to choose who I do business with have been seriously violated and placed me in a precarious situation with all of my information out on the internet because Experian thought this was a good idea. I am not interested in their " use of this site ... '' allowing them to do certain things. I don't give out my information unless I know the company or service. Experian has stripped me of my right to protect my sensitive personal information.

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 2017-10-16
Company: Resurgent Capital Services L.P.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a debt from 2004 for XXXX, it is not my debt and i have disputed it numerous times. They get rid of it and another one of these collection companies buys it and starts harassing me with letters and phone calls. I 'm really tired of being harassed and having my credit threatened by these illegal collection practices. I called this company and told them again it was not my debt and that it was from 2004. They said how do i know when its from if its not mine. I told them i have been fighting this for 13 years. Which by law is way past statue of limitations. They said your going to pay this. I said no i am not. They guy who refused to give me his name, well just sue you and ruin your credit then. i told them not to call my house or job again, do not mail anything else to my house, and it had better no show up on my credit report. The guy laughed and said they 'll call all they want.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-31
Company: FC HoldCo LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Recently, Flagship Credit Acceptance started reporting a {$9700.00} debt on my credit report. Prior to this debt appearing on my credit report, I never received a notice of my right to dispute. Failure to provide such notice is a direct violation of my rights under the Fair Debt Collection Practices Act ( federal law ). In an attempt to cover their illegal activity, they have " fabricated '' letters to make it appear I was given a notice of right to dispute. However, this is just a feeble attempt to veil their transgressions.

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 2022-07-20
Company: Bread Financial Holdings, Inc.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2022, I made an online payment of XXXX to Comenity Bank for my XXXX, XXXX credit card. On XX/XX/2022, XXXX Bank ( my bank ) processed that payment, and the payment was taken out of my account that day. I confirmed this with my bank. However, the payment isn't showing up on the Comenity Bank credit card. It's also not showing up as a pending payment, so I called Comenity on XX/XX/2022. They said it was showing up on their " backend '' and that they would make sure the payment showed up on my account by XX/XX/2022. It's now XX/XX/2022, and the payment is still not showing up on my account. I called today, and they said the payment may not post for 90 days. Even though they confirmed they could see my payment on their " backend, '' it might not credit to my account for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Diversified Adjustment Service, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have received harassing calls from companies/organizations claiming to be associated with XXXX XXXX XXXX regarding my current cable account. The numbers they call from are different but I most often receive calls from ( XXXX ) XXXX. Ive received the most recent calls and voicemails from this number on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ; however other calls and voicemails have come from different numbers for the past year making the same claims. 

The most recent calls have been from ( XXXX ) XXXX. These calls occurred on XX/XX/XXXX and XX/XX/XXXX. Ive spoken to these people, who have hung up on me numerous times when I state how uncomfortable I am when I refuse to share personal information. They state that I have an unresolved debt with my current cable company. 

I have called my current cable company, as well as logged into my online account and its been confirmed numerous times that I have a {$0.00} balance. 

The numbers that call me often call after normal business hours and use harassing language and threatening tactics. They have threatened to continue to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am not allowed to log into my Equifax account. 
I am 100 % sure that I used correct login information, but still I got blocked. 
My guess is somebody else might obtained access to my account and might have changed my real user ID/password. 
Also requests for credit report to Equifax coming back with weird content- such as there was no credit score available. I have had plenty of accounts, loans, cards over the last 20 years etc. and that is simply not logical.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: KEYCORP
State: OR
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:
At the change of the year XXXX our payment amount changed because of a change in the escrow amount, but my account was set to auto withdraw from my bank account. When I received alert that it was delinquent ( by a nominal amount ) we contacted the bank and were given a solution which involved moving excess money that they held in escrow onto the payment, and we were told this was the solution. It was still reported to credit agencies as a late payment and has significantly impacted my credit score. My actual payment was never late, and we followed the instructions given by the bank.

Company response to consumer: Closed with explanation