BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-26
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am formally complaining against COMENITY CAPITAL BANK I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have contacted COMENITY CAPITAL BANK who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that COMENITY CAPITAL BANK stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers. 

Thank You XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Exeter Finance Corp.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I am XXXX XXXX military, within a provisional state however they are not willing to give me the SCRA benefits. Since I am eligiblefor SCRA. With my tax state being Ohio, I am a provisional state which I qualify for. Attached is my XXXX  that show Ohio as my tax state, XXXX Individuals Covered by the SCRA Members of the XXXX, on XXXX XXXX SCRA protections extend to servicemembers ' dependents, which generally include spouses, children, or any other individuals for whom the servicemember provided more than one-half of the individuals ' support for 180 days immediately preceding application for relief under the Act. ( including XXXX  ordered to XXXX XXXX ). Ohio extends SCRA benefits for debt incurred WHILE XXXX XXXX. This means that any debt incurred after enlistment is subject to the 6 % interest cap. Below is the reference : 7.1. Interest Rate Cap To help ease financial burdens created by active military service, Section 527 of the SCRA extends the 6 % interest cap on all debts, not just those incurred prior to XXXX XXXX. including debts, not just those incurred prior to XXXX XXXX. creditor must forgive - not defer - interest greater than six percent per year. See 50 U.S.C. {$3900.00} ( a ) ( 2 ). The creditor must forgive this interest retroactively. See id. at XXXX  ( a ) ( 1 ) & ( b ) ( 2 ). The creditor is also prohibited from accelerating the payment of principal in response to a properly made request for a six percent interest rate cap. Id. at {$3900.00} ( a ) ( 3 ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: SLM CORPORATION
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Yesterday I received a call for the second time about a payment that was " past due ''. I informed them that my loan was specifically purchased with a lower interest rate for autopay. If there system is working there is no possibility for a late payment, and I prove with bank statements I have had the funds in my account the whole time. I had them manually pay so the bill would not be past due, and they said it should be fixed and autopay should work the next time. 
Today I received another call asking to pay a past due fee. I explained again that my loan was purchased on an autopay plan. There is no reason there should be a past due fee because how can I be responsible for missing a payment I was not responsible for initiating. 
This is the second time Sallie Mae has tried to do this with a student loan for me. I think they are purposefully manipulating the autopay system to get more money out of people, and I am sick of dealing with their harassing phone calls over this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I tried to dispute personal information online through my Experian portal with no success.

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 2022-10-25
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: 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 60 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 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three 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 60days 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 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Nelnet, Inc.
State: OH
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 submitted an IDR and consolidation application on Saturday XX/XX/XXXX. I did not get any confirmation from Nelnet regarding the status or receipt of the application ( s ). My federal student loan account on studentaid.gov shows they are processing with the servicer ( Nelnet ). According to everything I have read about applying for IDR plans, my account should be in forbearance until the application is processed ; " administrative forbearance '' according to consumerfinance.gov. As of XX/XX/XXXX PM, my account on Nelnet is marked as " past due '', and I have waited on hold on the phone for 4 hours total today ( XX/XX/XXXX ). I have not gotten to talk to anyone regarding this situation and if they indeed get the applications and why my account is not in forbearance. Email concerns directed me to the website, which does not have personal account answers. Each time I was on hold, my call was disconnected. I need this information before my " past due '' account effects my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-26
Company: Experian Information Solutions Inc.
State: NC
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:
I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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
Consumer complaint received 2023-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
To whom it may concern this is reference to an auto loan I applied for and was denied my right of credit. After getting denied I researched the Truth and Lending Act, I've learned of my rights and tis complaint is not make me out as being difficult or troublesome, and while im not disagreeing with you companies decision. 

My goal of this complaint is be treated fairly and not discriminated against while exercising my right credit in good faith. Reading over your adverse letter shows me that your company used my credit report to make your decision and that very unfortunate, because there is no law that says I have to abide by the credit score or those transactions needs to be reported on my behalf, because the CFPB states credit reporting is optional. 

So no matter what your company policies are it does not supersede Federal law. What was done to me is direct violation of federal law under the Truth and Lending Act and my rights under this ACT pursuant to 15 USC 1602 ( f ) tells me credit is my right how can you company deny me my right. 15 USC 1602 ( p ) makes it clear that you committed fraud and used my credit card without my authority and I received no benefit. Your company discriminated against me by denying according to the Equal Credit opportunity ACT 15 USC 1691 ( a ) ( 3 ) makes XXXX clear that I can not be desciminated for exercising my rights. Now I would hate for this situation to escalate to something bigger. Please see attachment where CFPB publication back up my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: EQUIFAX, INC.
State: MO
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:
Hello, I wanted to follow up on the results received from you and the other XXXX bureaus from my investigation, thank you for getting back with me within 14 days. 

I read that the process of the investigation is to reach every individual company to verify the accuracy of information. In accordance to FCRA, Section 611 A through D, you are supposed to let me know who you verify with. I ask you to delete anything that is not 100 percent accurate. XXXX XXXX XXXX I had a lot of inconsistencies between the XXXX bureaus, below i have listed them out for you. 

Date of Last Activity/Account Status/Date Opened /Date of last activity/Amount past due I have now pointed out the mistakes so these need to be deleted not updated, by updating the terms is an admission of guilt and direct violation of my rights of a fair investigation.I am not sure how you can state it was verified.How is it possible that XXXX, Equifax, XXXX all verified the accounts above as accurate, but they all have inconsistencies in the reporting? In fact, there is no possible way a full investigation could have been done in accordance to section 611 due to the inconsistencies coming after my original request of investigation. 

At this point. I demand you delete these accounts immediately or make the correct changes. Please forward me an updated credit report to my address after you have completed your deletions and corrections. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04
Company: EQUIFAX, INC.
State: NY
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account XXXX 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 non-monetary relief
Consumer complaint received 2022-10-25
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
It has been well over 45 days since my letter was sent on XXXX, I recently disputed fraudulent identity theft accounts on my report and XXXX, XXXX and experian failed to respond to my dispute or remove any of the fraudulent accounts Ive reported. Section 609 ( a ) ( 1 ) ( A ), of the Fair Credit Reporting Act they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that post on a credit report. In my letter I asked to see a contract with my signature as proof and 45 days later they have not sent any proof. XXXX, XXXX and experian are violating my rights also, under 15 U.S Code 1681b. they failed TO RESPOND that is in VIOLATION OF THE LAW! The law SAYS under CIVIL LIABILITY. 
According to 15 U.S. Code 1681n - Civil liability for willful noncompliance

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 2023-06-26
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My credit card was used without my knowledge and I contacted the company on several occasions and they are now reporting on my credit report as delinquent. opened card on XX/XX/XXXX and fraud took place in or around XXXX of 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 2023-10-08
Company: Frost-Arnett Company
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2023 Frost- Arnett called and said I owe a debt I said I do not have any debts I have medical Finicial assistant covered at 100 % through " Ascension Health Care '' they told me to upload all my documents stating my coverage I sent that day all documents for my Finacial Coverage. including how many times I emailed Ascension via there website. 
XX/XX/2023 Frost- Arnett called again asking for payment I spoke with XXXX she said my letter was received but no documents attached. 
I RESENT in ALL docs at XXXX XXXX  XX/XX/2023 XXXX from Frost-Arnett called XXXX XXXX I explained I did not owe the debt she looked in my file said my case was being reviewed, and should be taken care of in the week or XXXX. 
XX/XX/2023 XXXX XXXX from Frost Arnett called asking for payment on debt she saw NO information that my case was being reviewed. 
XX/XX/2023 Frost Arnett sends the First and ONLY Paper letter to my home adress and it says Total amount of the dept NOW : and How would I like to respond!!! 
At this point no one is doing anything to help me and now my credit is going to bad I am thinking of filing a intent to Sue letter to Frost Arnett but thought I would start here first. Thank you so much

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: Buckles & Buckles, P.L.C.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone used my credit to open various accounts for credit cards including a XXXX store that sued me and is garnishing my wages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This bank sucks. They charged me a {$29.00} junk fee for submitting a credit card payment early using the wrong bank account. My bank still submitted the payment to them, just a couple days after I initiated it -- AND STILL BEFORE THE DUE DATE. I kindly asked for a fee waiver, and the chat analyst said they " requested '' it, but it was " not approved. '' I have been a cardholder for over 5 years, perfect payment history. Seriously, these people XXXX. That is all.

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 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On or about XX/XX/2021 my card was Stolen from me. I was robbed by somebody who I don't know. I attempted to make a police report I was told they can only take my statement due to my card issues were out of XXXX. I contacted the bank and express my situation and disupted the transactions made fraudulent to my account and they denied me and my hardship claim for an early withdrawal with prejudice I believe

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 monetary relief
Consumer complaint received 2023-10-23
Company: SYNCHRONY FINANCIAL
State: CT
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:
I have inquires on my credit fie on accounts I didn't try to open, I have requested proof and nothing has been sent to me, and these accounts are still showing as a inquiry on my credit file.

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 2023-09-22
Company: Specialized Loan Servicing Holdings LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Fees charged

Complaint:
In the payoff statement, they charged {$7800.00} for the dates of XXXX, but the loan closed and was paid in full on XX/XX/28. 

I was told by the title company, 'they have never seen something like that ' but that most if not all would be refunded by SLS. 

I waited the 20dys they are given to refund. They sent a partial refund of {$1500.00} for what I assume is half escrow. 

I called on XX/XX/XXXX, and XX/XX/XXXX to resolve it. 

XX/XX/XXXX I was placed on hold for a 'Level 3 ' resolution rep for 47minutues. I had to hang up eventually to get my kids from school.. 

On XX/XX/XXXX, I was able to get through and was told it was escalated to the 'Cash Department ' and that it takes a week to resolve and that *I* had to call AGAIN to find out why or if or when they would refund. So they've been sitting on almost $ XXXX worth of interest for over 2mos, which is well outside the 20dy window. 

The company is SLS, Specialized Loan Servicing. 

They ALSO retracted my XXXX payment with no notice or explanation and started applying for all future payments in the arrears so my credit now reflects 4 late payments and tanked it. I fought and fought to get them to fix at least XXXX and XXXX and they said no.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-28
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Sub-product: Store credit 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:
I made a purchase from the company ( XXXX ) on XX/XX/2023. The clothing was mistakenly dropped of by the shipping carrier USPS to a different address. So I never received the product purchased. I called XXXX customer service to report the issue. I was sent an affidavit along with dispute forms. I filled out these forms and mailed them twice once on XXXX XXXX and again XX/XX/2023. According to customer service they did not receive the forms. I called numerous times and have emails from XXXX service reps working with me to resolve the matter. On XX/XX/2023 I made a payment to Comenity Bank for a XXXX from my bank to XXXX. According to XXXX the matter was closed due to lack of information even though I sent them all information twice that included a letter from the USPS manager stating the package was delivered to a wrong address which they were unable to reclaim as well as my payment that posted from my account to Comenity Bank. I called multiple multiple times to rectify this issue which was affecting my credit score due to showing that the account was now 60 to 90 days late. I have emailed correspondence as well as copies of everything I sent but yet they were not able to do anything with it according to them so the matter was closed and I ended up paying again to XXXX XXXX. Which they have not cleared my account or the late standing to the credit bureaus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-25
Company: EQUIFAX, INC.
State: MD
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 sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation