BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-09-24
Company: SUNTRUST BANKS, INC.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Sun Trust bank placed a late payment on my report in on XX/XX/19. I called the company several times to have it corrected but it remains after the company said it would make this correction. Sun Trust changed the status to " Improved Account '' after I paid the outstanding balance but never eliminated it from my credit report with all agencies. They refunded me the amount I sent which I took to mean they acknowledged their mistake but to date the late payment remains. I want it removed because it is the only late payment on my report and I want my status to return to EXCELLENT. 

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 2019-09-24
Company: National Credit Systems,Inc.
State: NJ
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: Problem with personal statement of dispute

Complaint:
NATIONAL CREDIT SYSTEM,XXXX XXXX XXXX XXXX  BLV, XXXX, GA XXXX, ( XXXX ) XXXX I lived at an apartment which this company was the lease holder, when my lease was up I never renewed it and I had no damage to the apartment what so ever. I always paid on time and I felt I had a pretty good relationship with them very friendly and nice office lady and it was ok despite the building was a mess around the outside elevator never worked the whole time I lived there and I lived on the XXXX floor, loud people and building wasnt always secure and when needed the handy man to look at stuff took forever, besides that I had no problems till I left. A year plus later I see my credit report saying I had a bill from them, I contacted them no answer called the collectors and they was rude XXXX and pretty much blame me saying Im the one owned when they didnt even know my side or  anything. This company is terrible and the collectors, the reviews for the company online is below and I see why and I refuse to be held reliable to something I didnt do please have them remove this of my report its been on here long enough and its not my fault thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-06
Company: Netspend Corporation
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
On XX/XX/XXXX, we received in the mail a solicitation for a " No-Cost Direct Deposit '' prepaid Mastercard, with a card in the  name of our minor daughter. She has never worked nor applied for credit so I'm not sure how they got her info. The company is NetSpend & the financial institution is XXXX. The first number I found to call them was to opt out of future mail offers. XXXX I had no option or opportunity to speak to a person to complain that they were soliciting a minor, who can't enter into a contract. ( Therefore, soliciting a minor to enter a contract should be illegal as well!!!!!! ) The second number I found was a privacy insert for XXXX. XXXX This number was listed as " to limit our sharing '' or " questions? '' which I didn't feel as though was applicable. The third number I found was on the insert to upgrade to Netspend Premier.  XXXXNETSPEND When I called, I was promoted to enter the card number then told that since it wasn't active, I couldn't upgrade & was redirected to activate my card. Still NO option of speaking to an actual person, just all automated. The last number I tried was the number listed to activate the card, which I didn't intend to do but was looking for a person to complain to about them soliciting a minor. XXXX The first time I called, the auto answer told me I'd been selected to receive a special offer, then asked a bunch of questions about my vacation preferences. Finally, it told me I'd won a XXXX cruise at the low cost of {$55.00} per person. I declined. Then, it started a pitch on some kind of auto program. Honestly, I kind of tuned out to the details. All I wanted was to speak to a person! I also knew i would decline any offers. I was also looking through the 20 page Terms & Conditions for another number, as I had very little faith I would ever reach that actual person. When asked to accept or decline, I declined & the call disconnected. I immediately called back & the auto response was that " this call wasn't active '' in my area. I called a third time & the auto response was to ask me hit the # key for a directory. I hung up & called a fourth time & received the same auto response.

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 2023-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-11
Company: Experian Information Solutions Inc.
State: TX
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:
I am tryuing to give Experian money and want to purchase Experian 's additional services. Before I do, I have questions that are not answered on their site. But Experian doesn't have the ability to have live conversations. I would like someone to call me to answer couple questions before I give them money.

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 2023-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This letter is a formal complaint to prove this company is reporting inaccurate information to consumer reporting agencies and violation federal laws This is the account name, number and how much be allegedly charged off. 

XXXX XXXX This company, XXXX is reporting a false charge-off status about this account. Theyve openly admitted that there were no 1099c form filed for this debt, they said There is not a 1099-C available her account has not been discharded '' XXXX is reporting this debt as a charge off but saying this debt is not cancelled/forgiven and wont file a 1099-c form for it but according to the IRS, those things must had happened to legally make this account a charge-off. So, if these steps were not followed by XXXX to make this account a charge off by federal law standards, then what is this account? 

According to The IRS publication XXXX, It Clearly defines a charge off as Gross or Ordinary income. 

According to XXXX law dictionary XXXX edition a charge off is defined as anything manifesting intent to eliminate an item from assets if nothing on this account has been and not going to be eliminate on their end then how this company reporting it as charge off?? 

In order for an account to be a charge off, something must happen first. If XXXX XXXXXXXX has not charged the debt off on their own taxes, wont wrote the account off on their taxes and can not provide a 1099-c form, then it can not be a labeled as a charge off account. 

This company made up their own rules about what charge offs and willfully ignoring federal laws and definitions. Everything the FCRA have in place to protect me as a consumer is violated. You can not report an account in a status that it is not. This account isnt a charge off! 

XXXX is aware of their inaccurate reporting and has violated federal law 15 U.S code 1681s-2 I notified them in writing TWO times about the inaccurate reporting and under the prohibition section of FCRA this item must be deleted from my consumer reports. 

ATTACHED IS XXXX STATEMENT SAYING THEY DO NOT HAVE A 1099C AND THIS ACCOUNT IS NOT CHARGED OFF

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: IL
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 writing to dispute accounts and inquiries that are reported on my consumer credit report referenced below that are the result of identity theft and any unauthorized inquiries and demand verifiable proof bearing my signature/electronic signature. I never authorized such action and this constitutes a violation of my consumer rights under the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] and Fair Credit Reporting Act Section 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ]. I have contacted these companies and found these actions were initiated without any compliant validation or original proof from any of the companies reporting. These accounts and inquiries are not factual since I never authorized them and are therefore the result of identity theft and or the illegal reporting of my consumer information by creditors and or 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 explanation
Consumer complaint received 2018-12-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
A NOTICE OF TRUSTEES SALE WAS SERVED ON MY FRONT PORCH BY XXXX XXXX XXXX   XXXX CALIFORNIA ON FRIDAY XX/XX/2018. THIS IS THE SECOND ATTEMPT BY THIS DEBT COLLECTION AGENCY TO ILLEGALLY SELL MY HOME AT AUCTION .THIS NOTICE WAS SUPPOSED TO BE SERVED TO XXXX XXXX AND XXXX XXXX AS THEY DO NOT LIVE AT THE ADDRESS SERVED, THEY WERE NOT SERVED. MY NAME ALSO DIDNT APPEAR ANYWHERE IN THE NOTICE OR ATTACHED DOCUMENTS NOR WAS THE NOTICE TO PROPERTY OWNER SIGNED IT WAS LEFT UNSIGNED! WHAT KIND OF SERVICE IS THIS? THIS IS BAD SERVICE WICH RENDERS IT VOID. I AM THE OWNER OF THE PROPERTY IN QUESTION AND I WAS NOT SERVED. THIS IS A DEMAND TO CEASE AND DESIST ON THE ILLEGAL AUCTION OF MY HOME AS YOU NOR CHASE BANK HAS VALIDATED THE DEBT, IT IS ILLEGAL FOR CHASE BANK TO HIRE XXXX XXXX TO FACILITATE A ILLEGAL THEFT OF MY HOME .IN NON COMPLIANCE WITH FDCPA 15 US CODE 1692 AND SECTION 5 OF FTC  REGULATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-23
Company: TD BANK US HOLDING COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I am a victim of fraud on my Target Red Card and their fraud department continues to harass me about filing out an affidavit that asks way too many personal questions. They refuse to assist me without it and have hung up on me multiple times. I would like someone from corporate to call me back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-23
Company: ID Analytics, 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:
My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. I will file a police report soon to support this report, please block these item from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I found a fraudulent charge on my Barclays Elite Black Card and I have been a loyal customer of theirs for many years. However, when I attempted to report the charge to them, I was told that I needed to file a police report. I faxed them this report many times and keep being told that it is not received, despite the confirmation I have for the faxes I have sent. Now it has been nearly three months since I initially reported the charge in XXXX of XXXX. On XXXX/XXXX/XXXX I attempted to speak with Barclays about resolving the matter, they finally confirmed receipt of the police report and then attempted to tell me the fraud dispute has been closed since XXXX of XXXX which is impossible since I did not notice and report the charge until XXXX of XXXX. Once I said this was incorrect the investigations representative became very rude and hung up on me when I asked to speak with a manager that could investigate the faulty information. When I called back, twice, I was hung up on again by the investigations representatives each time.

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 2023-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
Please see my previous Case Number for - XXXX. 

XXXX  XXXX said the inquires on my account will be removed but it still hasnt for my transunion XXXX XXXX XXXX score and fico score. I was advised to wait 60 days for the changes to reflect and have those inquires removed but up until now it stills shows XXXX  XXXX inquires on all my credit reports. please see attached letter you sent me. 

am in the middle of applying for my mortgage so please set urgency.

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 2018-04-16
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had 4 student loans and have paid 2 off.

I have 2 more loans that I am struggling to pay. I placed them under bankruptcy 7 years ago but don't think they went through and have been paying on them.

I am struggling to pay them off and they increased my interest rate from 10.75 % to 11.50 %? Talk about crooked practices and unfair. It makes a person want to stop paying all together, what is the sense if they make it so unattainable.

There are thousands of complaints just like mine toward Navient yet NOTHING is done about these giants!

Government corruption at its finest!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My XXXX XXXX XXXX suffered catastrophic engine failure in XX/XX/XXXX. I need a copy of my loan satisfaction letter from Kia Finance XXXX so that I can clear the title and sell the car to a company that made me an offer for it. Over the past month, I have made numerous calls to Kia Finance and was promised that they would send me a copy of my loan satisfaction letter, however, at this writing, I have not received it. I tried e-mail also and received no response. I also tried to get our Kia dealer to help to no avail. I would like a copy of my loan satisfaction or an explanation as to why I can not get one. I am emclosing a copy of the title with the lien attached and the vin number. Thank you in advance for your help in 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 2023-02-01
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, i discovered that XXXX, also known as XXXX XXXX, was raising my rates. Upon discovering this, I decided to switch from XXXX XXXX XXXX XXXX XXXX. I ordered XXXX XXXX XXXX the start of XXXX, XXXX, and contacted XXXX via telephone and disconnected my services. I lived in an apartment- i could not have both services at the same time as they both utilized the same port for services. Around the end of XXXX, XXXX, i received an email from XXXX stating that my bill was past due. I contacted XXXX and was told that my disconnection request had not been processed, to which the agent processed it at that time. I was then told i was still responsible for the full amount of the bill as they do not prorate services. I informed the agent that my services were " repay '' and that, at the time they charged me for services, i was with XXXX XXXX XXXX i was not paying for two internet providers when only one was providing services. 

Fast forward to XXXX, when i submitted the complaint to the XXXX, XXXX, aka XXXX pretended to contact me in regards to my complaint and never followed through. They called me once. At their request, i replied back and called XXXXXXXX XXXX XXXX XXXX and left her MULTIPLE messages to contact me back, to which she never did, to both her voicemail and through multiple customer support agents. I also sent her an email.

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 2021-03-07
Company: Bread Financial Holdings, Inc.
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Creditor is calling from a private number, threatening to lower balance to XXXX, calling on a sunday at XXXX XXXX and after XXXX XXXX at night.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-06
Company: ALLY FINANCIAL INC.
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I am dealing with Ally Finance and lost my job over a year ago Im trying to keep up on my payments because I need the vehicle to get to interviews. My car payment is {$690.00} per month and Im behind in my payments. Im also being changed 9 % interest each day I would like to report this as fraud 9 % interest per day unbelievable and fraudulent. Is there something I can do to have lower interest rate. They are threatening to come get the car. They are mailing me a copy of my contact and today was the 2nd request. I first requested a copy 3 weeks ago. I will send you a copy when I receive it

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 2019-11-06
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2019 at approximately XXXX XXXX, I called the consumer advocate number for a PHH representative at XXXX and talked with Mr. XXXX ( ID number XXXX ). The purpose of my call was to request a letter from PHH ( Ocwen ) stating the reason my sister, XXXX XXXX name was removed from our account. # XXXX. I was told that I would receive a hard copy ( letter ) within 15 days. As of today, XX/XX/2019 I have not received said letter. My sister passed away last year but she has an estate in place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: Selene Finance LP
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I fell a little behind and am still one payment behind. Selene allowed customers to pay payments online. Several months ago they changed their online system so that customers can only pay what is due. Nothing less and nothing more. The amounts are grayed out so that nothing can be changed. I contacted them and was told this was their new policy and that customers would have to call in to make any other payment arrangements. The problem is that as of XX/XX/XXXX when making a payment on the phone a customer is required to pay either an {$8.00} fee on their automated system or {$12.00} with a customer service rep. They also increased late fees. So if a customer would like to pay more on their mortgage loan, they are required to pay this fee. When I discussed this with the customer service rep, it was clear there is no recourse for the customer. It seems that to maintain a good standing with customers they would have grandfathered in customers that have been with them long term. At the very least, they should have contacted customers notifying them of this " new policy. '' This was not done. I see this nothing more than a way to take advantage of their customers and they know there is no way to dispute their ridiculous fees and holding customers XXXX by not allowing them to pay additional amounts on their loans without paying a fee.

Company response to consumer: Closed with explanation