BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-17
Company: Roadrunner Account Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have continuously showed this company that they are reporting inaccurate information on my consumer report. They are reporting charge-offs on my consumer report when the IRS stated that charge-offs and cancelled debts are considered income, and INCOME IS NOT REPORTED ON CONSUMER REPORTS. I have sent these chumps a copy of the IRS publication which states what law they are violating and how to resolve the matter, but they refused again. These morons continually ignore what the law states in order to put inaccurate information on my report. Furthermore, these morons was also suppose to send me a 1099-C form for the debt cancellation, which they have not done. This is my final response to this company to delete inaccurate information from my report or litigation will begin

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: SLM CORPORATION
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Sallie Mae is constantly calling, multiple times a day. When I tell them Im in a debt modification program and try to provide them with a number to call, they refuse to take the number. Ive asked them to send everything in writting and they refuse telling me that I have to pay and they abuse me verbally over not being able to pay. Im sick and the stres makes the injury worse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: CAINE & WEINER COMPANY, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In review of my XXXX credit report I noticed that a collection has been reported without any notification for Caine Weiner. I do not know who this company is and why they are violating my consumer rights. They show as opening this collection on XX/XX/XXXX which is in direct violation of the FDCPA Regulation F. This rule was passed in XX/XX/XXXX which clearly states : Actions Which Must be taken Prior to Credit Reporting : Prior to reporting a consumer debt to a credit reporting agency, the debt collector must now actually speak with the consumer about the debt, either on phone or in person, mail the consumer a letter about the debt and wait a reasonable period of time to receive a notice of undeliverability, or send the consumer a message by electronic communication and wait a reasonable period of time to receive a notice of undeliverability. This company has not abided by the law! They have just knowingly and willingly placed a debt that I do not identify on my credit file and has hindered my ability to get approval from other lines of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I got a phone call from XXXX XXXX XXXX on XX/XX/XXXX and they told me that there was a credit card account in my name. I told them that I have been living in poverty for years and I am not in the position to open any financial accounts. The account number is XXXX and the account was opened in XX/XX/XXXX. The name XXXX XXXX was put as an authorized user. XXXX XXXX lived next door to me in XX/XX/XXXX but she got evicted by XX/XX/XXXX and she used a XXXX XXXX XXXX XXXX, Ca XXXX. Midlands number is XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XXXX while attempting to withdraw funds using my ATM linked on my XXXX XXXX app ( i've done this before multiple times ). I got a message saying my that ATM card had been cancelled and that the replacement has been activated. I tried a few times more. Then went int to speak to a teller. The teller verified that the card linked to my XXXX account was the current and valid one. I asked how we can fix it. The teller said I would have to call the phone number. I said I want to fix it now and here. He claimed he couldn't fix it. I insisted it be fixed. The teller then said the manager could help me. I said I'll wait here, the teller went and got the manager and the manager said he could help me in 2 minutes. I said fine and stated I would wait here. The manager and teller then proceeded to count money for a client a process that took longer than 2 minutes. Then the teller moved windows, I moved with him. The teller than said he had to help customers I said you're helping me. He then went and got the manager who said, " if he ( the teller ) doesn't help you, you're not getting help ''. The teller already said he couldn't help me. He's denying my access to my funds and the service Chase charges me for. I reminded him that he said it would be 2 minutes. He then lied and said he never said such a thing. He then told the teller to call XXXX. The teller called XXXX lied claiming I was harassing customers and being " aggressive ''. I was neither. This all happened at the Chase bank located at XXXX XXXX XXXX, XXXX CA XXXX. The bank Manager name was XXXX XXXX. The first office to respond from the XXXX XXXX XXXX XXXX badge # XXXX. I reached out to Chase via the in-app chat. They have yet to respond, besides a generic Chat Bot response. 

Is this wire fraud? How are they allowed to deny me access to my money and services I pay for?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: OH
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've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-22
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX XXXX XXXX XXXX XXXX was hacked in which thousands of DoD employees information was stolen, I am one of those victims. I and my wife were both formally notified by the XXXX of the incident and given identity protection for two years. Beginning in XXXX through now my wife and I have both been the victim of several credit theft with several attempts at withdrawing money from our savings account and attempting to open new credit cards through our bank, XXXX. Around XXXX XXXX I received a bill from Barclay Bank Delaware claiming I open an account and now I owe them {$690.00}. I called their customer service several times and all they could tell me is I owe them money for an unknown purchase. I never requested a XXXX credit card ; I never received a XXXX credit card or monthly bill. 

XXXX is now harassing me with constant demand letters from debt collectors such as XXXX XXXX services, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have responded to each demand letter and all that Barclays does is utilize a different collection agency. 

I'm also receiving debt demand letters for an induvial who I don't know and does not live at my address.

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 2023-08-02
Company: Block, Inc.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have been receiving debit cards from companies such as XXXX, XXXX and CashApp that I never applied for. I do not have any of these apps. When I call the companies regarding the cards, I have to go through their fraud process to cancel the account. As far as I know there hasn't been any actual activity on the account. The concerning aspect of this is how these accounts are being opened in the first place. I believe that it may have started after I listed an item for sale on XXXX XXXX XXXX. I had someone pressure me to open a XXXX account, which I refused. Shortly after that encounter I received the first debit card. I have my credit frozen ; therefore, no one can open a credit account under my name. I would like to know how I can prevent these debit cards getting opened in my name and what protections I need to put in place to prevent this from happening going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: Bread Financial Holdings, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Comenity Capital was involved in a lawsuit that I was a part of. They used misleading terms and advertising to get me to sign up for 3 credit cards. I have contacted XXXX XXXX XXXX over 20 times to explain and send a copy of the settlement. 
They have never I am disputing these collections. I was relived of my obligation to these accounts. In addition the dates on the 3 accounts are all wrong and they change form open to close all the time. I Also when I called the last time, they threated to sue me. 
There are 3 accounts {$1900.00} {$2700.00} {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-25
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had XXXX XXXX deposits going into my account and the money was not reflecting the amount that was going in and I was paying extra money to have it instant deposit but instead they were having my transactions pending instead of doing the instant deposit also they were holding my charge back. I saw it that the people put the money in my account that morning, look back at it later on and it was taken out and the bank told me that it was the company but the company said that they put the money in my account and also gave me a confirmation number, The bank kept lying to me only the story would change when I tell them I had proof and showed them that I have screenshots of how the money was deposited through online banking. Also my balance is not reflecting the correct amount. The money was deposited but the balance never changed. Spoke with a supervisor and received the same story.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-20
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my house in XX/XX/XXXX and did a major renovation and substantial improvements to my home. My loan value required to have PMI insurance. My plan was to increase the value of the home by doing a major renovation. I added {$50000.00} in renovations to my house. My first letter to Specialized Loan servicing was mailed out XXXX XXXX. I did not receive a response until XX/XX/XXXX rejecting my request based on the original loan value and appraisal done when I bought my house. Based on their XX/XX/XXXX letter, I do meet the requirement for requesting an appraisal. When I purchased this property, the plan was to remodel the property and have another appraisal done. Since all renovations have been completed, I feel the appraisal value has increased more than {$40000.00}. My XXXX sale agent, who sold the home, stopped by and stated the new value of the home increased approximately to {$370000.00}. The original appraisal value of my property, when the home was sold, was {$310000.00}. Since my PMI, at 80 % loan value, needs to be at {$34000.00}, the value of the home needs to increase approximately by {$28000.00}. Since Im confident the value will increase to the required amount, I requested an authorize in house appraisal BPO to be conducted. I signed their Authorization for Internal Valuation form and mailed it on XX/XX/XXXX. Since I did not here back from them, I called their office only to tell me they sent a letter out denying my RIGHT to have the PMI review. Not sure why they can deny this since I requested this and Im paying for the for the appraisal. They stated they sent me a letter in XXXX, which I never received. The SLS agent stated I could go on line and review the letter in my account. I asked to speak to his supervisor and the agent stated that I could not, and their supervisors dont handle this issue. I never heard of not being able to talk to someone regarding your loan issues. I think they are trying to drag this out as-long-as they can to continue to receive my PMI payment. I asked for the agent to also send me the letter out again and I today I have not seen the letter. I went into my account and could not find the letter denying my right to request an appraisal. 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 2023-11-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of Identity Theft. I found an account on my credit report that I did not open. This has been hurting me as I am in the process of purchasing a new home. I asked that this be removed immediately.

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 2023-06-02
Company: EQUIFAX, INC.
State: GA
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 submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: EQUIFAX, INC.
State: GA
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 requested that account be removed remove off of my file Iv requested validation of debt contract signature anything proving the debt is mine. and have not received anything in 120 days I have filed conplaint with FTC. By consumer law codes 15 US 1692. By law account has to be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-31
Company: EQUIFAX, 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:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: Upgrade, Inc.
State: WA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
On XX/XX/XXXX, I sent three checks to Upgrade to payoff my accounts, which includes two personal loans and a credit card. I sent them via USPS priority mail and the tracking number indicates the checks will be delivered today. However, Upgrade tells me it could take up to three weeks to process my payoffs because they are simply too busy to do it in a timely manner. Upgrade also said I would be responsible for accrued interest during these three weeks despite them having the check in hand. I dont believe I should be charged accrued interest because Upgrade doesnt have the ability to process payments in a timely manner

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
This is in regard following account ; Alleged Creditor : XXXX XXXX XXXX Account Number : XXXX Per 15 U.S. Code 1681c2 Consumer Reporting Agencies shall block the reporting of any information in their files after the consumer identifies the information being reported is due to identity theft. Please remove this account not later than 4 business days upon receipt. Please send along documentation certified/accredited by the alleged creditor if they believe this account belongs to me, otherwise REMOVE IMMEDIATELY.

Attachments : Driver License, Social Security card, FTC Reports, Police Report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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:
The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be updated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-30
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I have a credit on my account for {$200.00} and because I have a {$71.00} dispute company refuse to send me my money even the balance of {$120.00} and keep the {$71.00} while the dispute is still going but now they don't want to do that either. They're keeping my hard money they have as a refund in my account and holding it hostage until the {$70.00} dispute resolves which is pending meaning I am winning it and they are just waiting for it to credit through. I have called three times yesterday on the XXXX of XXXX and again today on the XXXX and yesterday I was told after going through several Representatives that they can in fact send me the {$120.00} and then my call was dropped as I was driving in my car. So I called today again and they are back to square one refusing to send me my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
There is a collections account that originated from XXXX XXXX XXXX  The account was closed and sent for collections at the end of XXXX. The debt has been sold to a different debt collection agency by the name of I C System XXXX. XXXX XXXX XXXX XXXX, MN XXXX. They have started the collections date over as of XX/XX/XXXX for the amount of {$300.00}. I am under the impression that debt collectors can not restart the time clock on debts in collection and I would like this illegal action to be reviewed and taken care of.

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 2020-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
TRANSUNIONThese 3 accounts are not mine. They are fraud and were possibly opened under my identity but I am not aware of how they got started. Under rule 609 they must produce the documents used to open the account or remove. I have written letters, called and no one helps. This is not right. The XXXX Accounts and the balance are : 1 XXXX. {$7300.00} 2. XXXX XXXX XXXX. {$400.00} 3. XXXX XXXX XXXX XXXX {$220.00}

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