BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2023-08-25
Company: Resurgent Capital Services L.P.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I AM EXTREMELY UPSET BECAUSE THIS IS STARTING TO BECOME A BURDON TO ME. I HAVE BEEN DISPUTING THIS ACCOUNT WITH XXXX FOR THE LAST YEAR OR SO AND TO NO AVAIL THESE INCORRECT ITEMS FROM XXXX XXXX AND LVNV XXXX REMAIN ON MY CREDIT REPORT. FIRST AND FOREMOST BOTH ACCOUNTS ARE A RESULT OF IDENTITY THEFT, SECONDLY XXXX IS IMPROPERLY REPORTING BOTH. BOTH ACCOUNTS HAVE BEEN RE-AGED WHICH IS A FCRA VIOLATION. XXXX IS REPORTING THAT THE DATE OF FIRST DELINQUENCY IS XX/XX/2020 YET IN THE PAYMENT HISTORY IT STATES THAT THE PAYMENT HISTORY WAS ON TIME FOR THAT MONTH AND SO FORTH. XXXX WHICH IS ALSO REPORTING THIS DEBT AT THE SAME TIME AS XXXX IS REPORTING A DIFFERENT DATE OF FIRST DELINQUENCY AS XX/XX/2020. IF XXXX IS THE ORIGINAL CREDITOR AND LVNV IS IT'S SUCCESSOR HOW CAN THE DATE OF FIRST DELINQUENCY BE REPORTED DIFFERENT FOR BOTH ACCOUNTS? THIS IS ALSO BLANTANT FRAUD OF XXXX AND XXXX 'S BEHALF AND I WANT BOTH ACCOUNTS REMOVED IMMEDIATELY. THEY BOTH HAVE HAD ENOUGH TIME WITH ALL OF THE DISPUTES I HAVE SENT IN TO REMOVE THESE ACCOUNTS. XXXX, XXXX AND XXXX XXXX HAVE ALL VIOLATED SEVERAL CHAPTERS OF THE FCRA INCLUDING BUT NOT LIMITED TO SECTION 623 ( a ) ( 6 ) and 1681 ( c ) ( 1 ) running of reporting period. I HAVE ATTACHED A COPY OF MY DRIVERS LICENSE AND A COPY OF THE CROPPED CREDIT REPORT PULLED FROM XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: T.S. Holdings
State: TN
Product: Debt collection
Sub-product: Rental debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX apartments refused to dispute my charges, of {$430.00} and handed it to a IQ Data. When IQ Data first reached out, the representative was verbally aggressive towards me when I told him that I needed him to reach back out to the apartment complex because I didn't agree to the charges. He told me that because I didn't want to pay, it would reflect on my credit report. The calls stopped and it was reported on my credit report on XX/XX/XXXX. I then started getting calls three times a day every day. Then they called me at my office in XX/XX/XXXX. I told them not to call back so they started harassing me on my personal phone instead. I finally answered and ask for a dispute again. They had me send my concerns and proof at XXXX. I sent it to them on XXXX but the calls didn't stop after. I told them I had sent it. I sent them a desist letter asking them to stop harassing me on XXXX and it was delivered XX/XX/XXXX. Following that letter, they called me on XX/XX/XXXX and they called my husband two times right after calling me to dispute the debt with XXXX XXXX. I sent a request to the three main creditors, XXXX, XXXX, and XXXX, to dispute the credit inquiry. They followed up with a letter, on XXXX letting me know that they will not conduct an investigation to dispute the charges and are charging me {$38.00} in fees plus XXXX percent per annum. Apparently I know owe them {$480.00}. I never agreed to paying late fees or the debt that they keep saying that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I am very upset I have a deposit receipt I opened a business checking and have a personal account with them as well I dont have my debit cards for neither account have no access to my money

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
One day, surely over month into my 6 policy period with progressive which I pay upfront, i received a letter stating I owed {$100.00}. Numerous attempts on the phone and requesting supervisors to explain this charge, resulted in nil. They continued to constantly call, back to back, even on weekends without an explanation. Again, this was a 6 month policy that i had renewed and had no changes. They eventually sent to Caine and Weiner, who called and gave they impression they were law enforcement. When they would call, they would mumble who they were so you really couldn't determine who it was or what it was about. They then sent me a letter stating debt collection owed, but no explanation. I sent a cease and desist letter to them on XX/XX/23. They once again communicated via mail XX/XX/23, clearly in response and in violation of my cease and desist. Same letter, no explanation. Both parties have violated the CFPB regulatory rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX Bank of America supplied loan for vehicle. 

XXXX I sent a letter for Debt Validation. I requested validation of debt, verification of claim, and a copy of the contract signed by both parties. 

XXXX Bank of America agent signed green return receipt. No response to my letter was provided. 

XXXX Second Request for Debt Validation. Requested all previous documentation plus an invoice for violations of 15 USC 1605, 15 USC 1681, and 15 USC 1692. Suspicious Activity is suspected due to their refusal to provide requested documentation. No validation of debt or verification of claim. I requested payback of the full amount of the loan. 

XXXX Bank of America agent signed green return receipt. 

XXXX Bank of America sent letter stating that they are not subject to the Fair Debt Collections Practices Act. They determined that the contents of my letter were without merit. They used obscene and profane language by stating that they reserve the right to exercise any and all rights and remedies. Furthermore, they threatened to not respond to further correspondence on this matter. 

I remained in honor by making payments on this account throughout this entire process.

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 2023-08-25
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Dispute ID : XXXX Amount : {$390.00} On XX/XX/2023, I submitted a dispute for a pair of sunglasses that broke due to what appears to be an apparent manufacturing defect within the return period and the merchant refused the return request. 

On XX/XX/2023, I submitted additional evidence as requested by Citi. I included all the photos, email exchanges, and annotations stating what happened in a PDF file. This is as complete as possible. 

On XX/XX/2023, I emailed Citi dispute department to follow up as the case has not been updated to show they received the additional evidence. 

On XX/XX/2023, I received a letter from Citi stating that my dispute failed because " we did not receive a complete response ''. Citi did NOT say what is missing and did NOT give me a chance to add more evidence. They simply say " we are unable to assist you in this matter ''. And now I am on my own to dispute with the merchant.

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 2023-08-25
Company: REGIONS FINANCIAL CORPORATION
State: CA
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: Investigation took more than 30 days

Complaint:
My credit report is showing a debt and judgement owing to Enerbank USA out of Utah. Unfortunately after numerous attempts to satisfy this debt, Enerbank and their " Confidential '' attorney 's office handling the file, have repeatedly refused to help me or send any information to aid in the payment of this supposed debt. 

On Thursday XX/XX/2023, I requested information pertaining to the debt that has been reporting on my credit report. When I spoke with the representative, she said my request has been sent to the Attorney 's office handling it and I should receive information shortly on how to pay it off, if the debt is legitimate. I waited patiently for over 3 months with no email, phone call, or text message from the creditor ( Ener Bank ) or their " Confidential '' attorney. 

On Thursday XX/XX/2023, I again reached out to Ener Bank to try to obtain any information I could to try and resolve this negative impact on my credit report. When I spoke with the representative, she was unable to give me any information on the amount of the debt, how to pay it ( if it is even owed ), which attorney is handling the debt for their office, the name of the attorney 's office who is handling it, how to resolve the supposed debt, when I would hear from the attorney 's office that is handling it, contact information for who could help me either make a payment or how to verify this debt is accurate. 

I have had several months elapse where I have not ben able to satisfy this debt due to the secretive and disorganized nature of this creditor. My credit rating has suffered and now this account has likely accrued 3+ months of interest that should not have been accumulated on this supposed debt.

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 2023-08-25
Company: CarMax, Inc.
State: WI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under XXXX open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: CORELOGIC INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I've attached proof of Credco inaccurate reporting their reporting and business practices is a violation of the FCRA, and I'll sue Credco and enforce my rights under the FCRA if this information attached isn't removed from my consumer report immediately. Data furnisher 's ARE NOT ALLOWED TO REPORT INACCUARTE INFORMATION! FCRA XXXX XXXX XXXX XXXX XXXX XXXX XXXX. US Court of Appeals for the XXXX XXXX XXXX case XXXX XXXX XXXX XXXX XX/XX/1997, Filed ( XXXX XXXX XXXXXXXX ).

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 2022-08-07
Company: OLD NATIONAL BANCORP
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Could not resolve the issue with XXXX cause they will not answer the phone! 
Interest for XXXX has not been credited to my savings act!

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 2023-08-25
Company: Chime Financial Inc
State: GA
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:
XXXX XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX  CHIME - XXXX XXXX  Reported : XXXX XXXX, XXXX These reporting errors on my credit, with SS ending in XXXX. These reports are false and incorrect, I want them removed as they are a violation of my fair credit report act. 
I have no knowledge of them nor did I apply or select those services. These are a violation of Section XXXX23 ( a ) ( 1 ) ( B ). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute and The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
As I am requesting these inquiries to be removed properly in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: SLM CORPORATION
State: VA
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:
I have been trying to get help from Sallie Mae regarding my loans for over a year now. I have called multiple times explaining to them that I can not afford the XXXX payment they have requested. I only make XXXX a month and I work XXXX XXXX. I have been doing everything in my power to make these payments but I can not anymore. I dont have the money or the capacity to make the payments. They are taking so much money from me that I am going to be homeless soon because I cant afford to pay rent. I dont have the option of moving home and i dont have anyone to help me. My father passed away while I was in college and my mother doesnt make enough money to help me either. The only option they gave me was to let me loans go delinquent and then the collections department would call me but they have made it very clear that even if they call me there is still nothing they can do. So my loans will be delinquent and ill have no way to repay them. I have been calling trying to speak to a hirer up but they wont let me. How am I going to pay Sallie mae when im homeless and lose my job because of it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I returned from a trip on Monday, XX/XX/2023. Waiting for me was a check I had been waiting on for a month at this point. I decided to make a mobile deposit since I was too tired from my flight to leave the house again and it was a friend 's birthday either way so I prioritized celebrating with him for the remainder of the day. My app said it would be available on Thursday. It didn't help that I had a slew of obstacles in that week coming up to Thursday but when I woke up, I had the intention to pay my credit card bill and pay people for our upcoming trips. Unfortunately, I couldn't transfer money between any of my accounts. I couldn't send money to anyone. I couldn't use my debit card for anything. I called my bank to find out they put a restriction on the account because they wanted to further verify the validity of my check or whatever. They questioned where the check was from even though it was right there on the label. I probably called them XXXX times trying to get them to resolve this but they kept calling a number I told them repeatedly was dead. I got the check from an annual event so whatever they were finding was likely unmonitored but speaking with the CEO themselves, they told me that number was dead and the address they're finding was old as well. The CEO gave me his number saying tell them to call him and even put it on the official website with a notice telling them directly to call him but they refused claiming their system doesn't allow them to call " unregistered '' or " no good '' numbers. The issue is, with almost every rep, there was a slight shift in how each one spoke to me. The first person asked if I had a mobile number he could call for the business and at the time I didn't. When I got one, suddenly they couldn't call personal/mobile numbers, it had to be in a registry. When I asked what number they found, they gave me the full numbers they found and were using. When I hung up and spoke to the CEO about changing numbers and then called the bank back, now they couldn't give me the full number and only could give me the last XXXX digits of the number they were using. I eventually stressed out with a large headache and feeling defeated just stopped trying because I could feel my head swelling. I was going to use some of this check to deposit into my savings as it's had a low balance for a while as well but that account was closed since it had nothing left. My bills and upcoming trips are in jeopardy now because a bit of money is stuck in that account and more money that was sent to that account I now have to wait to bounce back. One of them is a direct deposit as well so I'm not sure if it'll be stuck in limbo or actually return and come together on the next payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to a Zelle account of a user I did not know. Again, on XX/XX/2023 I was inhumanly coerced to send XXXX XXXX dollars ( {$2000.00} ) to another Zelle account of a user I did not know. On XX/XX/2023, I submitted two ( 2 ) transaction disputes via my financial institution XXXX XXXX. On XX/XX/2023, I received a phone call and was threatened to be " sued '' and " killed '' if I did not cancel the Zelle disputes. On XX/XX/2023, I called XXXX XXXX  and cancelled the disputes out of fear. 

On XX/XX/2023, I opened a XXXX XXXX account. On XX/XX/2023, I received five ( 5 ) notifications that someone attempted to use my identification/personal information with XXXX XXXX XXXX I also discovered on that day that someone opened a credit card with XXXX XXXX XXXX XXXX  under my name with my identify/personal information. The date the credit card was opened was on XX/XX/2023. I did not open this credit card and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX XXXX XXXX  I have already notified XXXX XXXX XXXX XXXX  of the account being unauthorized. 

On XX/XX/2023, my financial institution XXXX XXXX  closed my bank account completely. On XX/XX/2023, I received a phone call from XXXX XXXX  informing me of suspicious activity being made with my account. The date the account was opened was on XX/XX/2023. I did not open this account and did not authorize anyone to do so on my behalf. I am not an existing customer of XXXX XXXX. I have already notified XXXX XXXX  of the account being unauthorized. 

I discovered that Zelle completely closed my account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-25
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX XXXX SHAME on you : CFPB for not protecting my rights as a citizen within the State of Texas. 
I last contacted CFPB on XXXX regarding my claim, against these fools that keep sending me Harrassment, malicious Letters and Lawsuit, attempts. 
CFPA~ you failed to protect me from this malicious Company that is trying to collect a debt that is well over 10 years old ; You ( CFPA ) contacted MIDLAND CREDIT MANAGEMENT , LLC Complany, and you proceeded to just close my complaint, when I last filed my last complaint report with you ( CFPA ) back in XXXX, and you proceeded to just ignore my complaint case in XXXX. 
Here I am on XXXX XXXX reporting this metastizing company ( ( MIDLAND CREDIT MANAGEMENT LLC ) that will not leave me alone, on a debt they purchased back in XXXX, with XXXX XXXX XXXX, the debt is approximately over 10 years ago ; XXXX, please do something for an elderly XXXX yr old woman, that should not be going through this type of harrasment from ( MIDLAND CREDIT MANAGEMENT LLC ) if you would have taken care of this problem back in XXXX, on my last complaint to CFPA, I would not have to be re-submitting another complaint with CFPA. 
Company : MIDLAND CREDIT MANAGEMENT LLC XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Ca XXXX XXXX According to the Statue of Limitations in Texas, no debt can be attempted to be collected after 4 years. Also Regulation F came into effect in XX/XX/XXXX. 
This debt is well over 9 years old, and all three credit bureaus XXXX XXXX XXXX have no history of this debt!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have talk to Capital One on XXXX XXXX about a late charge on my credit report that shows that I was late on XX/XX/2023. I do not remember that I was even late. That was the time I was in the Hospital. They tole me that it was mine. I asked for a courtesy to delete that one as I only have one and having six other accounts and no late. I was told that it was against THE LAW.

Company response to consumer: Closed with explanation