BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-20
Company: Affirm Holdings, Inc
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I have tried since XX/XX/XXXX to access my Affirm account via cellphone, as Affirm suggests, but have been unsuccessful due to Affirm Log In issues. 
Affirm Customer Service via the phone has told me that they would advance my account to a supervisor who would send me a email reset so I could relink my cell phone number to my account. This mysterious email has never happened and I have no access to be able to either apply for new Installment loans, pay any current or outstanding Installment loans, or even update my account and see its current status. 
I feel like my concerns are not being taken seriously by Affirm and the entire lack of follow thru, follow up, and at least decent customer service is severely lacking within the Customer Service Division of Affirm.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: BARCLAYS BANK DELAWARE
State: FL
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 am writing to dispute a charge of {$8000.00} to credit card account ending in XXXX on XX/XX/2023. 
The charge is in error because I didnt authorize the transaction, nor did I apply for this card. I have a Barclay carnival card that I have had for years and I have not used it, so there is no need for a new Barclay card. As I explained to the representative that I spoke with on the XXXX of XXXX while in XXXX my purse was stolen, and my personal information was in my purse. I have not purchased any items nor have I benefitted from this transaction

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 2019-11-02
Company: Netspend Corporation
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
On XX/XX/2019 I purchased a NETSPEND card and loaded {$100.00} onto it for paying bills. I have a XXXX XXXX XXXX with a XXXX XXXX who got ahold of the card and called the activation line he only gave them his name and hung up ( he is XXXX and doesnt understand mentally what he was doing ) .I called later that morning to activate the card gave them my social security number, Birthday etc and I was transferred to a customer service rep who stated that I had to email them a copy of my social security card and ID as well as my childs ss card and birth certificate and proof of address and they stated that the funds would be released within 6hrs. Instead they then requested the mother of my childs info so thought it was absolutely absurd but we complied.they wont except her Ohio state issued ID that she purchased that same day and they want court papers stating her name was changed except her social security number has never changed from her maiden name so we can not give them things that dont exist and they claim without it we can not get our money. Well first of all we dont understand why, how or if its even legal to do this because its not in her name in the first place, secondly they said if we provide proof of my identity that it would be released within XXXX I comply its accepted and they then want something else and the things theyre asking for are rediculous. It is now XXXX XXXX and my phone and electric are shut off because I can not pay my bill.Im XXXX and have XXXX XXXX children one whom is chronically ill with a XXXX XXXX and fluid problems in his XXXX he spends weeks and sometimes months in the hospital and this company has seriously caused us tremendous hardship. I have several emails to show the constant changes in whats required and I saw that the FTC has a lawsuit against them already for similar consumer rip offs.if you can please help me Id gladly share my experience with others to prevent this company in my oppinion scamming others I wish I had never used this service. It was the first and I assure you the very last time Ill be a netspend customer.thank you

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 2023-03-07
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A check was stolen from a US Post Office, edited and cashed for a sum of {$8100.00}. The funds have been missing from my account since XXXX of 2022. I filed a claim with Chase Bank and they claim they cant do anything and its up to XXXX  XXXX XXXX to investigate and pay me back. I am out a lot of money and have had no luck getting this resolved. There must be a solution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I paid my complete statement, of {$690.00}, 3 times. once on XX/XX/XXXX, and twice on XX/XX/XXXX. 
The repeated payment was due to rejected status - attachments to prove In the following month, I was notified that y account would be closed due to an excessive number of payments. I have received an electronic message with it but I can not access it anymore via the email sent, nor it is on my Message Center on my profile with the company I have asked the company to revoke this cancellation, stating that I was trying to pay and did so regularly - multiple times even before the due date. 

This cancellation has significantly impacted my credit score, which is already a struggle as a recent XXXX, trying to build up the score to buy a house and a car.

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 2023-03-07
Company: Experian Information Solutions 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:
This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any inquires which were unauthorized within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-04-10
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am writing in regard to my Bluebird Account ( s ). I originally opened a card for my daughter who is in a program called New Directions for Young Adults in XXXX XXXX, Florida. The Bluebird card was recommended by them. I opened the account under my name. 

After months of trying to find an easier way to load money to the card ( other than my only option of going to XXXX with cash ). I called Bluebird, the representative was unhelpful and put me on hold until the call eventually hung up on me. There was approximately {$260.00} on the card at that time. 

XXXX recommended that I open the Bluebird American Express instead. I was able to open a Bluebird Amex and put {$100.00} to start. But when I tried to open a subaccount for my daughter, I kept getting an error message that an account already existed. I called Bluebird to ask how to fix this. Their representative said I had to cancel my daughter 's current subaccount and set up a new account. I asked how I would get the money off the current card and he said I could transfer the funds remaining once she had her new subaccount. He then put me on hold and after waiting 15 minutes the call was cut off. 

After cancelling my daughter 's first account and opening another subaccount for her I was able to order a card to be delivered to her. I went online to transfer the funds from my 1st card to the new account. I was unable to do so. Just kept getting error messages. I then tried to transfer the money to my daughters subaccount and was also denied. 

I tried to call Bluebird to ask for help and I got a message that my account was permanently suspended for fraudulent activity and the call hung up on me. Then I received an email from Bluebird saying my account was permanently suspended. Despite numerous calls I was never able to speak with a representative, I would just get the permanently suspended message and the call would be cut off. 

I have never had a worse experience with a company. It is especially frustrating as we are long time American Express XXXX card holders. I would like my funds remaining ( {$360.00} from both accounts ) sent to me by check immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-28
Company: EQUIFAX, INC.
State: CA
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 Account # XXXX has violated my rights by : 15 U.S.C 1681 Section 602A : states I have a right to privacy. 

15 U.S.C 1681 Section 604A section 2 : states a consumer reporting agency can not furnish account information without my written consent or instructions. 

15 U.S.C 166b A : states a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 

15 U.S.C 1692C : states a debt collector may not communicate with a consumer in connection with the collection of any debt. 

15 U.S.C 1692G : states debt collector will obtain verification of the debt or copy of judgment against consumer and will be mailed to the consumer by the debt collector, at the consumer 's written request. 

I have no knowledge of this alleged account and request extensive proof of debt. This is an FCRA 15 U.S.C 1681 602A, 604A, 166bA, 1692C, and 1692G violation. Proper consumer practices were not adhered to and proper notification was not complied with either. Please REMOVE immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-22
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX equifax and XXXX are COMMITTING ILLEGAL ACTIVITY AND DENYING ME AN INVESTIGATION FOR TWO MONTHS NOW CLAIMING AN INVESTIGATION IS IN PROGRESS, WHICH IT IS NOT!! IM opening a new complaint and suing them. They did not investigate and remove XXXX and XXXX XXXX XXXX and XXXX XXXX from my credit reports which are fraud and illegal accounts WITH ILLEGAL FRAUDULANT AMOUNTS AND INACCURATE, FRAUDULANT DATES WHICH UNDER SECTION 609 OF FCRA, XXXX EQUIFAX AND XXXX must REMOVE THIS FRAUDULANT ILLEGAL INFORMATION IMMEDIATELY. I DONT OWE THESE COMPANIES ANY MONEY AND THIS IS AN ILLEGAL FRAUDULANT DEBT. XXXX XXXX AND EQUIFAX did NOT perform a FCRA 609 investigation and PROVE in writing TO ME I owe these companies money for a legitimate debt which I DO NOT. IM NOT CALLING YOU ON THE DAMN PHONE AND SITTING ON HOLD WITH YOUR DEVELOPING WORLD CALL CENTER FOR HOURS TO GET MY CREDIT REPORT AND HAVE THESE FRAUDULANT ILLEGAL ITEMS REMOVED FROM MY CREDIT REPORT.!!. I HAVE REPORTED TRANUNION TO THE DC AND DELAWARE ATTORNEY GENERALS OFFICE, CASE NUMBER XXXX! XXXX EQUIFAX AND XXXX despises and discriminates against XXXX people AND XXXX veterans and intentionally causes them pain suffering and emotional distress!! I INTEND TO SUE XXXX EQUIFAX AND XXXX, THEIR PRESIDENTS AND ENTIRE BOARD OF DIRECTORS FOR PAIN SUFFERING AND EMOTIONAL ABUSE. XXXX EQUIFAX AND XXXX ARE NOW SOLELY REPSONSIBLE FOR ME NOT BEING ABLE TO PUT A ROOF OVER MY HEAD. THEY REFUSE TO PLACE IN WRITING THAT I DO NOT OWE XXXX OR XXXX OR XXXX XXXX ANY MONEY! REMOVE XXXX XXXX AND XXXX XXXX FROM MY REPORTS IMMEDIATELY!! IN ADDITION, XXXX EQUIFAX AND XXXX ARE RE-AGING THESE FRAUDUALNT ALLEGED ACCOUNTS TO MAKE IT APPEAR THEY ARE RECENT, WHICH IS ILLEGAL AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Capital One Bank XXXX XXXX has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This for portfolio recovery I keep getting calls for this alleged debt! They keep calling me all hours of the night and calling me on weekends! Knocking on my door I disputed both of them and they threatened to sue me for alleged debt! 

Also, I asked in the dispute if they can provide an original contract w/ the original physical signature and if not, which they havent! Needs to be deleted off the report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-02
Company: LEXISNEXIS
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have recently sent in two certified letters to Lexis Nexis asking them verify how they got information on a bankruptcy that they are reporting to other bureaus they have yet to respond to either of my letter and according to fair act that is a violation and they have to delete the inaccurate information they are reporting if they can not provide a method of verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: MIDFIRST BANK
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
Company : Midland Mortgage did the loan for my parents ( XXXX XXXX & XXXX XXXX house. My parents left the house to me. So I tried and tried to get my name on the loan ( assume the loan ). Midland mortgage unknown to my knowledge kept making me do application after application, but they had me doing a regular application like I was just trying to buy a house with terrible credit which I knew I had but that was not the case. I should have been given the application and lead to assume my mothers loan for her house that was almost paid for. Sad to say I know yet its life. I was in prison when my mother passed away so I came home to a total mess, family tore apart, house on the verge of foreclosure and they totally mislead me and took advantage of my lack of knowledge to swindle me out of my parents home. I even tried to file for bankruptcy but it would have taken everything I had into it which I also didnt know so I didnt file and they had me do another application which they made me fill out the same kind of application only to deny me for a new mortgage with a terrible credit score. They took my parents home that we lived in over XXXX. Please help me! Wish I knew of you all then.

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 2019-11-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have sent letters and call the all ( 3 ) credit bureaus who handle credit files. Still the information I tried getting remove, remains on my account.

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 2024-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
RE : You Violated The United States Code Law 15 U.S. Code 1681 ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. 

Reinvestigation procedure letter was received by Transunion on XX/XX/2023 See certified USPS tracking # XXXX Present day-no description received after 15 days. 

This a violation of my rights and I demand these accounts be deleted per consumer law 15 U.S. Code 1681 ( 7 ).

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 2023-11-29
Company: TD BANK US HOLDING COMPANY
State: DE
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
TD bank has been charging me fees on multiple occasions related to insufficient funds fees. They charge me return fees even if they have not paid the item or transaction which makes it very very hard to bring the account to positive. When I asked for a refund they claimed and allegedly stated that the fees are accurate. But based on the new memo released in XX/XX/2022, and if the Presidents executive order, junk fees are deemed illegal.They claim that businesses are not included in the junk fees waiver. Is that correct?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
15 USC 1681b ( A ) ( 3 ) ( A ) Remove these hard inquiries from my credit file immediately. 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 non-monetary relief
Consumer complaint received 2023-11-29
Company: Synovus Bank
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have reached out to the credit bureaus and First Progress regarding the inaccurate information on my credit report. Despite sending multiple disputes to both entities, I have not received any communication, and appears that a thorough investigation has not been conducted. If errors persist on my credit report, it is impossible to ensure that the information reported meets the highest standard of accuracy required by the FCRA. This negligence is a clear violation of the law designed to protect consumers like myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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:
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. I HAVE ATTACHED MY FTC REPORT TO THIS COMPLIANT TO PREVENT FURTHER STALL TACTICS FROM Transunion XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2023-11-29
Company: LoanCare, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
I originally had a loan being serviced with XXXX. My loan was sold to XXXX XXXX  and the servicing is being done by LoanCare ( XX/XX/XXXX  ). I have attempted to contact LoanCare so that I know where to send my payment, due on XXXX XXXX. It has been a couple of weeks and still no information. I can not get through on the phone, online, OR via email. After reviewing all the complaints re : this company on multiple sites, including XXXX, I want to payoff the loan in full because I think it's only going to be misery going forward. This wasn't what I had planned to do, but no other option really. I would appreciate you contacting the company on my behalf.

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 2023-11-29
Company: Specialized Loan Servicing Holdings LLC
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
Sub-issue: Interest rate

Complaint:
GOT HELOC LOAN IN XX/XX/23 ', INTEREST RATE 9.87 %, INTEREST ONLY PAYMENT FOR 1st YEAR, {$430.00} MONTHLY. THEY SOLD LOAN TO SPECIALIIZED LOAN SERVICING IN XX/XX/23 ', THEY SENT PAYMENT COUPON STAING PAYMENT NOW {$1100.00} MONTHLY!!!! I CALLED, THEY SAID APR RATE NOW 10.12 % BUT I SAID IT'S NOT EVEN 1 % INCREASE SO CAN'T BE THAT MUCH INCREASE, IT'S OVER DOUBLE!!!!?!??! ANYWAY NO RESOLVE WHEN I CALLED!!!!! CAN YOU HELP ME??

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