vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: BANKERS HEALTHCARE GROUP LLC
State: VA

Complaint narrative:
I received mailer from BHG suggesting to apply to BHG for a loan, the material was address to me as an individual and not to a business. Around XX/XX/XXXX, I decided to take a loan to pay off my credit card debt. During the application process BHG knew from oral conversation and email that I did not own any business. In which they replied it wasn't a requirement for the loan. XX/XX/XXXX, BHG gave me a loan agreement consisting mostly of fine-print legal terminology. Substantially none of the terms in BHG 's loan agreement were written in language that would be understandable to a layperson like myself. 

I accepted the loan relying on my child support to make the payments. When my ex-husband died in XX/XX/XXXX, I informed BHG that I would need to reduce my payment due to loss of income, which I was informed to file for a hardship. I applied 3 time and was denied because they stated I did not include the child support in my application. I am constantly receiving text from XXXX XXXX for the missed payments due to my loss of income. I have asked them to restructure the loan to make the payments more affordable which was also denied. They are stating i can not restructure the loan until I have had the loan for 5 years which I don't understand. The interest rate is XXXX for 84 payments of {$1000.00}. Which is higher than what I pay for my car note which I financed {$50000.00}.

BHG did not disclose an APR for the loan, and it did not make other disclosures that are required as if it were making a consumer loan. BHG falsely drafted its loan agreement as a commercial loan to a business as purported " sole proprietorship '' d/b/a. It also made references to a commercial loan within the document. However, no such sole proprietorship existed and BHG knew this because of the materials and communications exchanged. They only asked for my pay stubs which clearly indicates I am employed. I was not required to provide any documentation of any business. In my opinion BHG intentionally baited me during my time of need into an extremely expensive commercial loan when I thought I was getting a personal loan. I do not receive any statements showing payments and balances of the loan, so I will never know the progress I am making with payments. 

This type of predatory lending should not be permitted, and I should have never qualified for a commercial loan. When I informed BHG I did not own a business they stated it was ok and I would qualify for the loan.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX incorrectly is reporting the last payment made on this old credit card account as being : XX/XX/XXXX also reporting open date as being : XX/XX/XXXX. I believe this is an attempt to manipulate the FDCPA by erroneously reporting the incorrect information so the drop-off date from the XXXX 's would be pushed further out. I have made no payment on this account since the account was closed. I do not have the exact date, but it is at least 2 years prior to the reported date. In addition, the open date was in 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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: DISCOVER BANK
State: GA

Complaint narrative:
In Accordance with the Fair Credit Reporting Act, Discover, has violated my rights.

15 U.S.C section 602 A. States I have a rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish an 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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Mid-Atlantic Finance Co., Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Website : They are keeping my items at ransom its the day before XXXX they are stating over the phone verbally @ XXXX XXXX  that they are closed when my car was sent to them @ XXXX XXXX in the morning meaning they are open and they are refusing to allow me to get my wallet out of the car mid Atlantic is washing their hands saying they dont deal with them yet they are independent contractors working under them. This is Illegal the towing place hung up on me and they were rude telling me I have to wait till Tuesday to get my wallet

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DE

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
in acoordance with the credit reporting act this creditor comenity bank account number XXXX violated my rights under 15 u.s.c 1681 section 602 i have the right to privacy. 15 u.s.c 1681 section 604 a section 2 states the consumer reporting agency can not furnish an account without my written instructions. Under 15 u.s.c 1666b a creditor may not treat a payment in a credit card account under an open and comsumer credit plan as late for any purpose. Update on all three credit agency bureau XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
sent a letter asking Experian, XXXX, and XXXX to investigate my accounts, XXXX, XXXX XXXX XXXX Here is my tracking number : XXXX XXXX XXXX XXXX XXXX XXXX. It has been over 30 days. These consumer reporting agencies are in violation. 
According to 15 USC 1681i - Experian, XXXX, and XXXX have 30 days to investigate and send me the results. 
And They also didn't even record the current status of the disputed information which is another violation. 
I have all the evidence attach below.

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 2022-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
Pursuant to my previous two complaints filed here, Comenity Bank has most recently responded by urging me to send them a letter requesting the opening of a dispute. 

I have no intention of playing their games any further ; when I originally contacted them months ago my intention was to open a dispute. I had been under the impression that this was already resolved, until the events that prompted me to make my last complaint here to CFPB. 

I badly require assistance in this case, because every time I raise the issue with Comenity Bank they hand it to some new person who has no idea what is happening. All I know is that they lie to me and they stonewall the case. There was nothing that I ever did wrong, I have my outstanding credit card bill with them, I am a timely payer and have never missed a payment. They manufactured a problem and are now trying to cause me grief. 

Please! Please do something other than forwarding the complaints to that company ; they are not going to do anything other than to attempt to place further burdens upon me. I am severely XXXX and am an elderly man. I'm worried that this business is going to affect my future monthly payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
XXXXXXXX XXXX XXXX service by Comenty Bank, My store card had no activity since XXXX, In XXXX of XXXX a membership fee of XXXX was billed to the account with no authorization from me. I have tried to resolve this issue with XXXX and the bank, but to no avail. My credit score has been reduce XXXX points because of their error. I am ruined.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
Special Loan Servicing, my mortgage processing company, still after 7 months, has not corrected wrong late payment report on my credit bureaus records. This wrong report has been taking a big toll on my credit, my financial situation and my ability to get favorable rates on my revolving credit. 
I have been sending over 6 or 7 complaints regarding the abuses from Special Loan Servicing. Do I need to attach all my previous attachments proving that I started payment immediately after my forbearance ended. I never missed any payment and I never had any late payment. Still in my XXXX account it wrongly shows I have 1 30 day late, 1 60 day late and 4 90 day late payments. I never paid any payments late and I never missed any payments. Please help. I am sure I am not the only one complaining about Special Loan Servicing. PLEASE HELP!

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 2022-12-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: IL

Complaint narrative:
I was told by my loan provider, FedLoan Servicing, that the payments I made on my loans during the Covid pandemic were eligible to be refunded. I requested a refund on XX/XX/2022, to help out with my finances. Fedloan said that it would take around 10-12 weeks. In about that time frame, the amount I paid on my student loans during the pandemic ( XXXX ) was added back to my loan balance but I have yet to receive the refund ( its been over 6 months ). I have called repeatedly since then asking why I havent received the refund and have basically been told a different thing every time I call. My loans have now been transferred to XXXX and Fedloan will no longer exist after XXXX. I asked repeatedly for documents detailing what I am owed and never received them from XXXX. I am so worried that I have just added XXXX to my loans that Ive already paid. I really need my refund, and Im at a loss for what to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: CL Holdings LLC
State: GA

Complaint narrative:
I have been harassed by Jefferson Capital for over a year now. Dozens of times I have disputed with the credit bureaus to no avail. Jefferson Capital does not do any sort of research except send the same story back stating that this " debt is valid '' They are saying that I owe a debt and this debt was sold to them by a company. I have no idea what company or what this debt is, and I do not owe it. I have never seen anything other than dozens of letters from Jefferson Capital demanding payment and then threatening civil action. This has crushed my credit score as well. Recently, I have received over 15 letters from local attorneys in the area asking to represent me since I am apparently being " sued '' in civil court in the county I live in, once again for a debt I have no knowledge of and one I do not owe. Since I was getting nowhere with the credit bureaus, I submitted a complaint to the XXXX XXXX XXXX XXXX XXXX sent my complaint to Jefferson Capital, where once again they did not do any sort of research into anything or supply me with any sort of valid paperwork. Instead, they sent a letter stating " our records reflect that the account is currently the subject of a lawsuit Filed on XX/XX/2022, pending in XXXX XXXX XXXX XXXX as case number XXXX. As a result, this matter is beyond the purview of the XXXX  and we request this complaint be dismissed '' For the 20th time, they didn't do anything but ask for a complaint to be dismissed so it wouldn't go on the XXXX  webpage, permitting Jefferson Capital from just continuing to threaten and have actually started legal action against me. 

Today, I received a letter in the mail asking to contact XXXX XXXX XXXX XXXX section to pick up papers I am being served. 

This has to be one of the most predatory Collections practices I have ever seen. 

I now have been sued in local court for a debt I do not owe and have been bombarded by lawyers asking to represent me for this upcoming case. 

I am also being threatened with garnishment of wages. I am a 100 % percent XXXX veteran. I have my XXXX benefits and my XXXX benefits as sources of income and that is it. 
The amount of stress this has added to my life is astounding. Upon research, this appears to be the norm for Jefferson Capital as they are the recipients of dozens of lawsuits for their " collection practices. The complaints have many things in common and this " company '' is disgraceful. Harassment is just what they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. Account # XXXX, has violated my rights. 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 an account without my written instructions XXXX XXXXXXXX XXXX # XXXX {$11000.00} XXXX XXXX XXXX # XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2022-12-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Please take a look at the attached letters and ID docs for verification that it is XXXX 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 explanation