BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-12
Company: Capstone Credit & Collection, LLC.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
O/A XXXX2022 I contacted USAA about closing some accounts and they closed XXXX that wasn't supposed to be closed which has a SSA pension DD to it. USAA confirmed that they made a mistake but refused to reopen it. I stated that due to them refusing to reopen the account that would have a negative effect on our quality of life due to that DD from SSA being kicked back to SSA with unavailability of those funds for XXXX to XXXX months due to their mistake, they are still refusing to reopen it.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Chek Cash, Inc.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Call violation. On my installment loan it was documented 2 years ago to not call my place of employment. Until recently that has been upheld. I know when someone tells you do not call, it's illegal to do so. Ive had an issue with the manager of the financial office calling me recently at my place of employment. Yes i know my payment was due, however if a number is marked do not call you cant call it. I contacted the main office 3 times letting them know there was call violations. When i spoke to the office i reiterated it and ths asst manager said yes, i see it on your account and ill let the manager know. She has again called me at work.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
Like many I am experiencing severe difficulty with my mortgage, right now I can afford my monthly payments as I have XXXX family members who are living with me that will enable me to meet my obligations. I realize that all I need is fir the past due to be put in the end and ask fir a fresh start. PHH has been decent with me in the past but now they are not communicating with me or really trying to help. The relationship manager dies not even contact me, as I feel that someone is trying to steal my home and leave me homeless. PHH received alot of funds during covid and thats great but they have a XXXX XXXX XXXX citizen to help and I am begging u to help me keep my home

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 me and my wife, XXXX XXXX, opened a joint checkings and savings account with Chase at the branch at XXXX XXXX XXXX XXXX, XXXX XXXX, CA. 

After opening our accounts, we deposited a majority of our cash and checks ( our wedding gifts ) in the ATM inside the branch with the banker, XXXX XXXX, as per his instructions. The ATM had an error and temporarily displayed a deposit of {$13000.00}. It spit out the checks we had deposited in the ATM, but none of the cash. We deposited the checks with the bank teller, so we were only missing the cash at this point. 

Our banker, then opened a claim for us right away for {$13000.00}. At home, we determined that missing cash amount was {$9700.00}. 

Chase gave us a temporary credit of {$13000.00}. 
Weve now received a letter from Chase that they were unable to locate the missing funds and will be removing {$11000.00} from our account. 

Via telephone call our banker, XXXX, confirmed that only $ XXXX {$4000.00} should be removed from our account, however the Chase claims department has continued to inform me that the full {$11000.00} will be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 submitted a letters to Transunion, XXXX, and XXXX via certified mail to validate a collection account that suddenly appeared on my credit report by XXXX XXXX and have been unsuccessful with getting a human response outlining how they verified the collection account that they placed on my credit report. I understand that for anything to be placed on a consumer 's credit report, that the credit reporting agency by law must follow proper procedures before posting anything on a consumer 's credit report, as well as provide proof that what they are reporting has been properly verified. To date ( XX/XX/23 ) I have not received any evidence from Transunion, XXXX, and XXXX that they have followed such procedures before placing the collection account on my credit report, which is why I am now reaching out to the CFPB for assistance. 

In my validation request sent via certified mail to Transunion, XXXX, and XXXX I asked for the following information concerning the collection account they are reporting : 1 ) The original contract from the original creditor with my wet signature on it. 
2 ) The full payment history from the original creditor.

3 ) The proof of debt assignment outlining how and when the alleged debt was obtained by XXXX XXXX and what address XXXX XXXX used to send their notification ( s ) informing me that they are attempting to collect this alleged debt. 

As a consumer, this collection account appearing on my Transunion, XXXX, and XXXX credit report has prohibited my ability to obtain any new credit as well as rendered me unable to obtain a mortgage thus forcing me to pay high monthly rental payments to house my family.

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 2023-04-12
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I sold annuity payments to XXXX  this is my 5th time doing so using my former bank. I am now banking with Chase bank I went to chase bank in person to cash my check in the amount of {$2600.00} and make a deposit the teller gave me a number to the frauds department. They said there is no public record phone number for XXXX so chase bank is considering the check to be fraud it's been a week since I went to cash my check the steps I have taken to resolve the issues are I've called and talked to them until I'm blue in the face I've spoken to XXXX and explained what is happening what they have said is they don't understand why because the check has been cleared chase bank customer service says even if the check is cleared I will not get the money I set up a meeting with a banker at chase bank with a banker to provide a certified contract for this loan and past contracts and court approval documents that prove this is not fraud and they still won't release my money I feel that chase bank is discriminating against me because I'm XXXX they must think I don't know what I am doing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-11
Company: Bread Financial Holdings, Inc.
State: AZ
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
ok XXXX comenity bank. 
in XXXX or XXXX they announce that the credit card program would close. so I ordered quite a few things. well in XXXX I called XXXX and told them I wanted to return stuff cuz I could not use them so I sent XXXX items back XXXX XXXX XXXX cost over XXXX XXXX XXXX XXXX XXXX cost over XXXX XXXX XXXX XXXX cost XXXX XXXX XXXX XXXX cost XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX another XXXX XXXX total XXXX well XXXX delivered it back to them and they have NEVER CREDITED my account. 
then I had let them know about being in Louisiana during hurricane at end of XXXX. but again as they have done with my other cards refused to work with me. comenity no longer has XXXX  but yet I'm still paying on account. 

I have paid the payment every month XXXX and I dont know what they are doing with my payments. they aren't applying them to my account. 
in all accounts my credit score has dropped immensely due to comenkty Bank aka breadfinamcial is really messing up my credit. they closed everyone 's account approx in XXXX. 
so the limit that I should owe is roughly XXXX not XXXX like they said. they have charged me for late fees etc. plus they have messed up my credit. I have never been late with them for over 7 years but just today I saw on credit report they have reported me 30 days late There is no way

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I signed up with XXXX to set of XXXX debt. Ive been paying on that debt to XXXX and XXXX took too long so it was sold to crown asset. Intern it went to XXXX XXXX Thats where the payment went to. Ive been trying to get that off of my credit report because it shows that its a charge off when actually, the debt was settled and paid. Ive been putting this in dispute with XXXX also with XXXX XXXX XXXX, and I have not been getting any results. I have the receipt proving that it was paid and settled to XXXX XXXX I spoke with Crown Asset. They said they would clarify it and verify it if someone would get in touch with them

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXXChexSystemsConsumer RelationsXXXX XXXX XXXX. XXXX XXXX, XXXX XXXX : XXXXGreetings : I am writing to you to complain. Entries posted to my ChexSystems consumer credit report from 2012 are inaccurate. ChexSystems recommends this venue, publishing this website as the means in which to resolve disputes on my report. 

There are XXXX entries to address. Those are : XXXX, XXXX XXXX and XXXX. Each filed derogatory remarks with Chex Systems in 2012. At that time, I had a lawsuit filed against XXXX XXXX, XXXX, XXXX and XXXX. The lawsuit acknowledged numerous attempts to clear allegations printed in my reports. Inaccuracies were corrected from the evidence submitted, yet repeatedly reposted to my reports. As a XXXX person, I retained an attorney, XXXX XXXX. He claimed I would receive all but XXXX dollars to cover costs and fees to file. However, XXXX kept XXXX of XXXX of my settlement money paid by these defendants and, ChexSystems was not involved in the lawsuit. 

Again, I have no buisness with XXXX, XXXX XXXX, or XXXX. The alleged " account abuse '' made by XXXX XXXX and XXXX in 2012 are mistakes. XXXX XXXX wired funds to XXXX after I had cancelled a transfer and closed the XXXX account. XXXX XXXX personnel were to have reversed the entry to correct the the mistake when it occurred. An XXXX account has not ever been opened in my name as far as I know, nor have I ever communicated to, or received anything from this company. 

Recently, I notified the FTC of my concerns relating to compromises to my accounts and consumer credit reports. Implementing extra protection, I continue to address negative remarks that need to be deleted with ChexSystem. This report is a measure to avoid further delay in repairing my reports and correct inaccuracies in reports. 

Sincerely, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, 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:
On Friday XX/XX/XXXX I attempted to create an account to view my report for accuracy. However once i input my debit card info to pay, the site immediately caused an error. It displayed a number to call as well as email address for help but No live person. I tried several times and used all the options in the menu but to no avail. I even sent them an email to the help desk but no resolution. I went online and tried to sign in with my username XXXX. It prompted me to pay {$1.00} again. So, i entered a new debit card number and it gave me an error message stating to call a toll free number. I finally found another number to call at XXXX and it got me to someone. i was transferred three times only to be told my account was locked out for 24 hours due to too many unsuccessful attempts. I explained that i haven't even used the account and cant get past this error. I record all calls, so if i dont get a resolution I'm sending the calls and screenshot to the news.

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 2021-11-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found still in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are still reporting on my Credit Reports and need to UPDATE or REMOVE completely from my Credit Report : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$730.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1900.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00} XXXX XXXX XXXX Date XXXX : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX XXXX : {$6300.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2500.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3100.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1100.00} XXXX XXXX XXXX Date Opened XXXX XX/XX/XXXX Balance : {$8800.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: Block, Inc.
State: NH
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened without my consent or knowledge

Complaint:
XX/XX/2023 - XXXXXXXX XXXX  XXXX - called Account opened with XXXXXXXX XXXX  under my name on XX/XX/2023 -. This is XXXX of XXXX occurrances and am in the process of reporting all - XXXX sent me adebit card and verfication of account opening via mail. I reached out to them via phone XXXX. 
They advised that they will close the account but I got no verification. This complaint will be part of a report that will be filed with the XXXXXXXX XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Hello, My federal student loans were recently transferred to MOHELA. The problem I am having with my new student loan servicer is ( 1 ) they do not return my emails and ( 2 ) they have not updated my number of payments from XXXX to XXXX although I have submitted my documents verifying my employment with an approved public service institution over a month ago. All someone has to do is take XXXX minute to review this form and then update my account and no one has done this. 

Not updating my account in a timely manner could force me to make payments unjustifiably. Also, I do not understand why no one at MOHELA has yet to respond to my emails that I sent nearly two months ago when it says you will hear back from them within 5 - 7 days?

Please help resolve these two issues I am having with this new federal loan servicer, MOHELA. 

Thank you very much. 

Best wishes, XXXX XXXX, XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Was not notified of investigation status or results

Complaint:
I recently disputed a couple items on my report since they were reporting inaccurately. I have actually disputed the items a couple of times by sending letters to the credit bureaus on XX/XX/XXXX and XX/XX/XXXX. The accounts that are in question were late payments showing on my credit report from where the company reported 4 late payments with my mortgage for 4 consecutive months when the payments were actually made. I recently noticed the late payments on my credit report as I was trying to get a home loan. I'm increasingly frustrated at the lack of a response from not only the company but also the credit bureaus themselves. Please help me to get these late payments removed from my account and to hold the credit bureaus accountable for sending results to 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
Consumer complaint received 2023-11-10
Company: SUNRISE CREDIT SERVICES, INC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a text from them that I owe a debt. I called them and they claim I owe a debt with XXXX. They provided an address for the bill but I have never lived at the address they provided me. I called XXXX and they verified with me that I do not have any debts with them or for that 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 2022-11-22
Company: I.C. System, Inc.
State: NY
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:
IC System reported a missed payment on a debt I didnt know existed, after finding out I am a XXXX  XXXX  recipient and they could not get money judgement. IC System asked me to file police report, but police said stall tactic by XXXX and XXXX. XXXX has never sided with person over corporation and they did not address complaint

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 2022-07-20
Company: Experian Information Solutions 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:
To whom it may concern, YOU BROKE THE LAW!!!

Pursuant to 15 USC 16814 ( a ) ( 1 ) the banking system is dependent upon fair and accurate credit reporting information. This inaccurate information was furnished, and I was not notified when during the investigation process.

Pursuant to 15 USC 1681 ( a ) ( 1 ) This grave error undermined my confidence in your companies procedures, and as a result of this I will no longer extend credit and want these items removed IMMEDITLEY.

Pursuant to 15 USC 1681 ( a ) ( 2 ) Your company is a powerhouse elaborate mechanism. This mishap that your company has caused has ruined my reputation, and it has adversity my credit worthiness.

Pursuant to 15 USC 1681 ( a ) ( 3 ) Your company assumes this role. You were not given permission by me, the consumer, or a competent court of jurisdiction. Not only did you fail the initial investigation of this information, you also assumed this role, and assumed this information was valid. Which is a violation of my consumer rights.

Pursuant to 15 USC 1681 ( a ) ( 4 ) You did not insure the information is accurate and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story, never consulted with me to find out if this transaction even took place. As a result of this my privacy was breached, and violated my right to privacy.

( SEE EXHIBIT A ) Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( a ) ( I ) Congress makes it clear that a consumer report should not include transactions between the consumer and the person making the report. The alleged transactions that you are reporting are false and have failed to investigate, weather or not it factually took place between the consumer, and the person making the report. Which means it should not be included in my consumer report and in fact is a violation of my consumer rights.

Pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) In the initial investigation I was never given the opportunity to deny this information being communicated on my consumer report. This is in fact another violation.

Pursuant to 15 USC 1681 a ( B ) Any authorization of a specific extension of a credit or credit card or similar device should be excluded from my consumer report. This alleged transaction that your company clearly did not investigate is categorized as a transaction that was issued from a credit card. Credit as defined as 15 USC 1602 ( 1 )

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