BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-21
Company: MOHELA
State: PA
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 believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly.

My PSLF Form was denied because it was missing the authorized official 's signature and/or was an electronic signature. However, all signatures on the form were present and the were an hand-drawn electronic signature, which according to the Department of Education 's website, it is an acceptable signature type. Additionally, when I called, the agent told me that it was because the signatures had to be in blue/black in and handwritten, which is inaccurate. Mohela just continues to consistently provide inaccurate information and making processing errors.

Resolution : I would like my account to be in good standing. I want my qualified payments to be counted correctly and my PSLF applications to be processed correctly as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 XXXXXXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have rights to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company 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 2022-06-27
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for XXXX days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been XXXXdays n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Bread Financial Holdings, Inc.
State: NC
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 currently have 2 credit cards with Comenity Capital Bank ( Ulta and XXXX ) and 1 card with Comenity LLC ( Lane Bryant ). Beginning on XX/XX/22, all of Comenity 's websites have been down for " Scheduled maintenance '' with no ETA of when accounts will be available. A message on the websites instructs account holders to make one time bill payments, however their one time bill pay is also down. Calls to their customer service line were met with a message that the system the agents use is also down and they have limited information. The most I could get was when my next due date is. According to their XXXX and XXXX, the accounts should have been accessible today, but no luck. I tried calling customer service again this morning, but a recorded message stated that " due to unforseen circumstances their offices are closed. '' Repeated attempts to get answers from the company via social media from numerous users has been met with vague messages that are clearly recycled copy text and not an actual person responding. At this point I'm concerned that there has been a security incident and my information and or credit history is at risk. Also, Comenity has made no statement about late payments in regards to this outage. I would like help in getting this resolved and getting some answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Exeter Finance Corp.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
Complaint XXXX was unable to fully resolve my issues and concerns. I communicated with XXXX on XX/XX/XXXX regarding a consumer credit transaction without a down payment for XXXX XXXX XXXX . I asked representative XXXX XXXX does XXXX participate in the Truth in Lending Act and after verifying, she confirmed yes. Afterwards, she stated that a down payment of {$12000.00} would be required to be financed by Exeter ( violations of 15 USC 1601, 15 USC 1662 and 15 USC 1691 ( a ) ( 3 ) ). Credit is my right as a consumer, which means that I can not be denied credit. Inquiries ( both soft and hard ) are proof that a payment ( credit transaction ) has been received by the Federal Reserve that is intended for the consumer. The transaction was already completed after the credit application was fulfilled. Exeter only benefitted from the credit transaction, not me. Clear violations of the above mentioned Federal Statutes that they have strongly denied violating, while also requesting proof, when clearly the inquiry and their response is enough proof that they have violated these Federal Statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Funds from my deceased wife 's three accounts that were to be placed in my retirement account has been lost/stolen by JP Morgan Chase since XXXX. They closed three accounts to transfer into my account and can not locate these funds to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I opened a checking account with Citi Bank based on an advertisement to open the account. The account was immediately closed and I have spent over XXXX hours on various days and times trying to get somebody to tell me why. The bank is holding $ XXXX of my funds and said I should have gotten a letter explaining why they closed my account and nobody on their customer service can tell me why. The bank said I may not get my funds back that I deposited for over 60 days. I have gotten the run around the last XXXX times I have called. I should be able to have somebody tell me why my account was flagged and closed upon account opening and the bank should not hold my funds for XXXX plus days.

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 2022-06-27
Company: Bread Financial Holdings, Inc.
State: CA
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:
The last three days ( XX/XX/22 - XX/XX/22 ) Ive been trying to log in to Comenity to pay my credit card bill for {$36.00} dollars by XXXX p.m. on XX/XX/22 or pay a {$41.00} dollar late fee if I dont but they keep telling me the system is down. Doing it over the phone also yields the same result. The company has issued a system wide maintenance problem and many customers cant pay ( as per their XXXX post highlighting this ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-26
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
All the attorney foreclosure fees need to be removed since there was already an agreement with me and the bank about the past due amount and I was just waiting for the paper work from the bank The agreement was done in XX/XX/XXXX and to my surprise on XX/XX/XXXX I received the paperwork from the attorney at that time I contacted chase and chase told me no to worry that there was already an agreement so disregard that, I even went further and contacted the attorney to let him know there was already an agreement ( see attached ) I emailed him. That same day. 
Never received a response from the attorney and I trusted chase to disregard and also I was told no attorney fees will be incurred cause they will notified the attorney right away. 
That would be between the attorney and chase but they charged me for their mistake in communication and possibly chase didnt informe the attorney on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Credit Control, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I've been contacted repeatedly by text and phone since XXXX  by an alleged debt collection agency looking for a XXXX XXXX. I texted and told them I don't know XXXX XXXX and I called and told them not to call me anymore. The last time I answered a call from them, the woman said she was looking for XXXX XXXX. When I said " this is a scam '' she immediately hung up. When I called from another number and asked for their address the man said " I'm not at liberty to give out that information. '' The numbers I've been contact from are ( XXXX ) XXXX, ( XXXX ) XXXX. There may be more, but I didn't save them. I've also received called from ( XXXX ) XXXX allegedly from XXXX, Virginia that said I've been " flagged as invasive and noncompliant. '' The callback number was 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 explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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, the following companies have violated my rights : Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 section 602A states that I have the right to privacy 15 U.S.C. 1681 section 604A section 2 : It also states that a consumer reporting agency can not furnish an 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 2023-10-18
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX XXXX is not allowing me a fair opportunity to manage this account as a co-borrower. I have requested monthly statements, payoff statement, to make me the primary borrower & to have any & all information in regard to this account to be mailed to my address NOT the property address. Im being denied a fair opportunity to protect my personal credit. Every dispute response is verified as accurate but historical information is changed to reflect different information that was previously verified as accurate. I have fought clarification for the past 11 months. I depend on dispute information & credit reports to try to manage this account. I didnt even have an account number or transfer information until XX/XX/2023 through NYS Dept of Financial Services . XXXX XXXX seems to have consistent poor customer service based on reading reviews. Very similar to my own situation. They make no attempt to resolve the situation when I have tried everything I could to protect my credit. I have no control of any future delinquencies because I only find out the status AFTER its reported & ONLY on my own via credit reports & disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: DISCOVER BANK
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX and XXXX of XXXX  I called the company and asked if they would remove the late reporting from my account they advised me that they could not do that. I advised them that I had changed banks and did not realize the payment was from the old account. until XXXX. They advised me that there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ
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:
This is not my bill. If it is, no one has contacted me. Reporting on my credit report like I'm missing monthly payments and no such arrangements have been made. They are sending mail to a relatives house who has tried to send back and they keep returning. Did they do an inquiry on my credit report for that address that I used while trying to gain employment in XXXX? Today they reported I missed a payment and my already poor score dropped drastically. This has to be illegal for this collection company to be doing this. 

The XXXX complaint I went ahead and paid what my insurance company should have paid. I asked them to delete this record and they refused to. This is a medical collection that exposed my visit to them ... does this not violate HIPPA Laws?

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
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: Reporting company used your report improperly

Complaint:
In accordance with fair credit reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 



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

15 U. S. C. 1681 section 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 2022-11-29
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IL
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:
This has been going on for almost a year. I've called XXXX XXXX informing them that I have never applied for anything with them. 
This inquiry does not belong to me and needs to be removed at once. 
XXXX XXXX ( Bank ) XX/XX/XXXX I have BMO Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. 
BMO HARRIS BK N.A. ( Bank ) XXXX XXXX, XXXX BMO HARRIS BANK XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/XXXXXXXX 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 2022-06-07
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt in reference is incorrect. I received an email and letter stating the amount of this loan was reduced as XXXX XXXX XXXX  overcharged me for services and was refunding a credit to the account which has not applied as promised.

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 2022-06-27
Company: Paypal Holdings, Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Contacted PayPal multiple time last to close my account. Theyve stated they cant. My personal account was verified never made any transactions or anything I had to upgrade my account to be able to receive payments for my work. Thats the only change that was made Ive never had any other PayPal account or did business with PayPal. They just shut my account down and not allowing me to close so I can use the other service my employer provide call stripe which is illegal I dont have to use your service but you cant hold my business hostage either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-07
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the following date disputes was sent, XX/XX/2022, XX/XX/2022, XX/XX/202XXXX 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 explanation
Consumer complaint received 2023-09-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation