BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-08
Company: I.C. System, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent I C SYSTEM this document certified mail and I C SYSTEM did not send the requested documents asked for in the validation request I mailed. I C SYSTEM sent me a document that was typed out on a plain piece of paper with I C SYSTEM logo on the top. I'm 200 % positive there is no agreement with my signature stating that I owe I C SYSTEM. Anyone create anything from a plain piece of paper. I know my rights as a consumer! I C SYSTEM is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. Document evidencing your company has the right to collect the alleged debt. The total debt balance with an explanation of all interest and fees. Date the debt became delinquent and/or the date of the last payment. The name and address of the creditor and the creditors account number associated with the debt. The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. The names and addresses of all persons or entities other than your company to which the debt was assigned. Send me proof that you are licensed to collect debt in my state. Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! Remove this immediately from all three credit reporting agencies for I C SYSTEM has violated FDCPA laws!

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 2020-06-17
Company: ALLY FINANCIAL INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I am a XXXX year old woman but I am not dead. Yet Ally Bank, citing a " public record '', gave " deceased '' and " inability to authenticate '' me as their reason for denying me access to my over {$100000.00} saving account for two months, from XX/XX/XXXX through XX/XX/2020. 

It was only after a complaint to the CFPB that Ally broke their silence to confirm that this was why they would not speak or answer correspondence. It was also only then, on XX/XX/XXXX, that they announced I could finally access my funds. 

However, this response neither fully nor altogether truthfully addresses the issue : By XX/XX/XXXX Ally had full and incontestable proof that ( 1 ) I was alive and ( 2 ) the rightful claimant to the account. 

Why did they make no attempt to correct their monstrous error? Why instead did they wrongfully persist in ignoring me, dishonoring my withdrawal instructions and violating my rights as a depositor for an additional six stressful weeks? 

By XX/XX/XXXX they had received -- a copy of my current drivers license -- a copy of my most recent electricity bill -- a copy of the CD that matured XX/XX/XXXX which provided the money that they had permitted me to transfer to my savings account -- I verbally supplied correct answers to all personal and security questions on all occasions -- They had as well my addresses, physical and email ( long established and unchanged ), my telephone number, birthdate, beneficiary name, names of linked financial institutions ( including the one that presented my withdrawal instructions ). 

At any time they could, of course, have easily asked me for additional documentation. BUT THEY DID NOT. 

Initially they may have had a " public record '' of someone's death but since they haven't disclosed any specifics despite my requests, I have no way of knowing if even that is true. Nonetheless, any such purported record would not, could not, match the facts in their own file about me -- my birthdate, address, even full name ; it could not have been anything other than plainly and irrefutably not mine and certainly not a credible excuse for questioning my existence. 

In short, once Ally knew I was not dead as well as that I obviously was the " authenic '' account holder, they no longer had any legitimate reason for continuing to deny me my rights and for failing to perform their legal duty. 

Yet that's what they did. 

My lost interest ( what I would have earned over and above what the Ally account paid ) amounts to approximately {$270.00}. Ally breached our contract as of XX/XX/XXXX when they were also warned of consequential damages but continued to disregard their duties under the UCC. I hold them as legally liable and I want to be made whole.

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 2023-12-06
Company: WELLS FARGO & COMPANY
State: PR
Product: Credit card
Sub-product: General-purpose credit card or charge 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:
Wells Fargo failed to address disputed transactions in compliance with XXXX  terms ; the bank is engaging in deceiving practices to frustrate the attempt to resolve a disputed transaction over a procured item from a supplier in XXXX that was wrongly delivered by the supplier. 

I am requesting the agency to assume full jurisdiction over this matter.

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 2022-07-22
Company: EQUIFAX, INC.
State: NJ
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX, XXXXDEPT OF ED 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 : States a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: TitleMax LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
TitleMax LLC located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX MD XXXX was the Title/Settlement Company for our Land and Construction Loan settlement on a property in Maryland. We had our first settlement on XX/XX/2019, which was botched because the seller refused to sign the settlement paperwork. We had our second settlement on XX/XX/2019, and we thought we purchased a property with a clean Title. We have since learned now 4 months later that our Deed can not be recorded with the County because the sellers refuse to pay a Deed Transfer Tax and  the Title/Settlement Company is doing very little to resolve this matter. We have been following up with this Title/Settlement Company for 3 months to resolve the issue to no avail. We have paid a lot of money for a property, for which we do not have a clean Title or a recorded Deed because of this company 's negligence and possibly fraud. Because of this issue, the County will not issue any permits, which is delaying the construction of our new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: Genesis FS Card Services, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
someone applied for a feb destiny card and it got approved and they maxed out the card and went over credit limit. We called company they wouldnt give us an address where they mailed it, and they said our address didnt match. Looks like this company ran my credit on XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have been baking with Wells Fargo for about eight years for some reason my account went overdraft XXXX XXXX dollars they saying that I owe them and I had a check coming in my account so they put the money that I owe them on the side and let me receive my check which does not make any sense which cause my account to be overdressed {$2000.00}

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 2017-07-03
Company: AES/PHEAA
State: TX
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:
I pay more then the current payment Due on my Private Student Loan every month. However, the amount of interest satisfied each month gets higher and at the same time the principal satisfied lower. So, even if I pay more on my loan than is due or more then my normal payment amount, my principle balance does not decrease for that amount. <P/>I have tracked this activity for several years and I am very concerned that my payment is not accurately being applied to principal each month. <P/>I have called the company and they have not been able to answer my questions. I have even been told by a representative that it is " not worth paying extra on your loan '' and that it will not help you pay the loan off earlier.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-06
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Credit reporting 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 am writing to express my dissatisfaction with the inaccurate information present on my credit file reported by HYUNDAI CAPITAL AMERICA. The details in question lack proper certification, validation, and physical verification, rendering them questionable and not proven to be valid. My address is XXXX XXXX PL, XXXX, CO XXXX, and my name is XXXX XXXX XXXX XXXX, born on XXXX. I have identified potentially duplicative and unquestionably dubious requests on my credit record, lacking any authorization from me. As a consumer, I am within my rights to request the prompt removal of these late payments, as they violate both federal and state consumer/civil rights. This complaint serves as a formal request for compliance with FACTA Title 1 Section 151, which explicitly mandates a clear description of the reporting process. This issue pertains to the accuracy of data and the reporting procedures

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 2022-12-21
Company: ProCollect, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is in reference to XXXX. You state you closed the file as you have already responded. I don't have a copy of that and not sure what it stated, however, nothing must have been done since it is still on my credit report. I don't understand how some who steals your personal information opens checking accounts, credit cards, cell phone accounts, electric accounts, rental agreements and many more is able to just skate free while I pay for his wrong doing. I have filed a police report and they have sent the file to the Proscuting Attorney and a warrant has been issued for his arrest. I have submitted the police report and the FTC form to show as best I can that this account does not belong to me yet you have done nothing. You have ask for no proof that I didnt live at the address or anything else. You have just taken the word of the collection agency. I have spoken with them and they don't have anything with my signature or anything else to proof the account belongs to me. They just assume that since they were told it is a valid account that it is. So that means that you assume that it is a valid account. I thought this company was to help us that are in need. NOT to support the business that has wrong doing in mind.

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 2023-07-08
Company: Experian Information Solutions Inc.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. Experian and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00}, ( Advised to include in Regular Letter ) XXXX XXXX XXXX Balance : {$3000.00},

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 2022-12-21
Company: Commonwealth Financial Systems, Inc.
State: FL
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:
I requested a method of validation on XX/XX/2022. The collection agency has yet to respond. I am requesting a deletion of these accounts from my consumer file. They are reporting " Unverified/inaccurate information '' which is a violation of Section 623 ( a ) ( 1 ) ( A ) & ( B ) ; and Section 623 ( a ) ( 8 ) ( E ) of the FCRA. I was not notified of the investigation status if there is one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22
Company: Experian Information Solutions Inc.
State: FL
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 am a victim of Identity theft and have had a fraud alert for years now and yet the below accounts were still able to appear on my credit report and inquiries. This following information listed on my credit report is the result of identity theft. I have not applied for or used any of the listed accounts. 

Accounts XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  ( FINANCE ) XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ALSO, I HAVE RECEIVED NOTICE THAT THERE ARE MORE THAN ONE SOCIAL SECURITY NUMBER ASSOCIATED WITH XXXX XXXX DO NOT HAVE ANY OTHER SOCIAL SECURITY NUMBERS I NEED THE ITEMS LISTED PERMANENTLY REMOVED AND BLOCKED FROM COMING BACK AND I NEED ANY ADDITIONAL SOCIALS REMOVED AND BLOCKED. I HAVE SUBMITTED DISPUTES IN THE PAST INCLUDING MY POLICE REPORT AND IDENTITY THEFT REPORT WHICH YOU SHOULD HAVE ON FILE. PURSUANT TO SECTION 605B OF THE FAIR CREDIT REPORTING ACT WHICH REQUIRES YOU TO BLOCK THE FRAUDULENT INFORMATION ON MY CREDIT REPORT RESULTING FROM IDENTITY THEFT WITHIN FOUR DAYS AND TO PROMPTLY NOTIFY THE FURNISHER ( S ) OF THAT INFORMATION. XXXXIT HAS BEEN MORE THAN A YEAR AND THIS INFORMATION STILL REMAINS.

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 2023-12-06
Company: Bridgecrest Acceptance Corporation
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I've been making payments and the initial loan amount never goes down

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 2023-12-06
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I bought XXXX Amex gift cards and they don't seem to work anywhere online. I have called them so many times and they keep telling me that I can not get a refund so I have XXXX cards that have my money on them that I can not use anywhere I want to use them at. I bought the first card in early XXXX and I bought the second one on XX/XX/2023. I just want my money back since I can't use the cards where I want to use them. I never had these issues before using their cards but I guess they changed or something because now I can't use their cards anywhere online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A. 

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  all XX/XX/XXXX 15 U.S.C 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions. 
Various calls and requests have been made to have them remove all these accounts per their violation of my rights with no replies and updates!

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 2022-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
We purchased a couch from XXXX XXXX. We were charged {$4400.00} onto our credit card on the XXXX XXXX when on the expected date of arrival. The delivery drivers were not happy with the walk up stairs and refused to deliver the couch. When we asked if we could help try to get it up the stairs, they said any damage would be on us. The couch would have fit, because we measured, but they basically refused to deliver and took it back to the warehouse. In our opinion they couldn't be bothered to get it up the stairs. Our card had a balance of around {$800.00}, but with the balance of the couch brought the outstanding balance to $ XXXX. We were holding off settling the transaction because the couch was never delivered. In the mean time they charged us a {$40.00} late fee. They later refunded the total couch amount of {$4400.00} but left us with {$87.00} interest for the purchase. Prior to purchasing the couch the interest was {$4.00}. When I asked them to refund the interest and return the late fee, they were only willing to return {$50.00} interest, and denied the late fee due to there being a balance on the card other than the couch transaction. Needless to say, the {$50.00} does not cover the interest. The drama surrounding the non-delivery of the couch put us out financially as we were left without a couch. We did not want to pay the card due to the outstanding balance and undelivered product. Capital one are using this to their advantage to get further funds from us with no product being delivered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
This is my FURTHER 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 items : XXXX XXXX XXXXXXXX XXXX, XXXX ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX XXXX  XXXX : {$2100.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XXXX  XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022 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 2020-06-17
Company: Experian Information Solutions 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:
the companies are reporting the wrong info on my credit

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