BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-27
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
XX/XX/XXXX, I received a copy of my credit report, and as of XX/XX/XXXX ACCT : XXXX is reporting as valid and active. Upon further research, I found that sensitive personal data had been breached. My anxiety consumed me with worry and this left me in very troubled state of mind ; especially on the count that I have never gone into a car dealership to apply for any auto loans or received any financing for a vehicle of any kind. Moreover, I currently do not own a vehicle at all. I contacted several dealerships and inquired about this issue at hand and the representatives informed me that, there is no way that a situation like this should have even occurred. Since confirmation of this fraudulent activity, I have tried my very best to get this removed and blocked from my credit report. With many failed attempts via phone and mailed in letters. After notifying the consumer reporting agencies ( XXXX, EQUIFAX and XXXX ) of this issue this item was not deleted from my consumer file during the 30-day investigation period. In which is not in compliance with 15 US CODE 168i ( a ) ( 1 ) ( a ). Then after the investigation was completed and allegedly verified without issuing proper written notice of resources used to verify said information to I, the consumer per 15 US CODE 1681i ( a ) ( 6 ). I have experienced a tremendous decrease in my credit score which has led to other hardships. It has been impossible to now get fair financing without extremely high interest rates for adequate vehicles and housing approvals for my family during the pandemic. My work schedule varies and child care facility not close to my current address and work finding reliable transportation has been troublesome. Not being able to get approved and obtain my own vehicle or safe housing, I have experienced severe emotional and mental anguish battling with this dispute for almost over two years. Following this incident my physician has prescribed me XXXX to manage with my stress and anxiety levels. With plenty financial distress to no avail this issue has still not been corrected by XXXX XXXX XXXX XXXX XXXX, EQUIFAX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: Experian Information Solutions Inc.
State: OH
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:
accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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 2021-03-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/XXXX I was flying to XXXX to arrange my mother funeral. And when I got to XXXX I was told that my luggage was miss placed at the reno airport. After waiting for a few days, I went down to the airport to get a update on my luggage because I had my phone, driver license, passport, wallet etc in my luggage and I needed to pay for the funeral but the airport told me that someone had stolen my luggage and a few other people luggage from the XXXX airport. I try to call the bank to report my card stolen but they couldnt help me because they couldnt verify me because I was calling from a different number from XXXX. And i couldnt go into the bank because there wasnt any Bank of America in the town I was located at. I was stuck in XXXX without being able to get back to the USA because I didnt have any proof of verification that I was XXXX XXXX. I had to wait until the USA border verify that it was really me. When I finally got back to XXXX in XX/XX/XXXX. I immediately try going into a Bank of America to get help with my account but they refused to help me because I didnt have my drivers license. So I went to the dmv the next morning and apply for a replacement and I was given a document showing it was actually me and i went into XXXX to order a new phone because they had stolen my phone. After receiving my phone I immediately called the bank and had them cancel the card. And filed a fraud claim with them but they denied my claim. And accused me of making the charges after I had submitted the proof of the police report and dmv document and the flight ticket and proof of the new phone. And I recall them and had them resubmit the fraud claim but they denied it again and I asked them why they were denying the claim and they said I was the one making the purchase but I told them I was in XXXX and I had a update from the police officer that they arrested the person that had stolen the luggage from the airport and I still havent received my money back from all the fraud transactions that person had done. After submitting the new update from the officer. Its been over 2 months since i filed the claim and I still havent received the money that was stolen from my account. Or a update from the bank.

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 2022-12-07
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 Violated my Rights ; 15 USC 1681b ( 2 ) ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( I gave no written no Instructions to XXXX! ) 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S. Code 1604 ( F ) ( 2 ) b- Disclosure guidelines ( B ) The extent to which the requirements of this subchapter complicate, hinder, or make more expensive the credit process for the class of transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. I've talked to the bank & they've agreed to update the accounts. BUT TransUnion has some internal block which they're claiming they can use to not update the accounts because they feel they're above the law. When questioned why they're not accepting the Dispute Letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the Dispute Letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy, as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every ( Bureau ) shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Bureau is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. 
XXXX  XXXX  XXXX Date opened XX/XX/XXXX Balance : $ XXXX XXXX, XXXX  XXXX XXXX Date opened XX/XX/XXXX Balance : {$580.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance : {$820.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-11
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so, they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA, Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
HI, MY NAME IS XXXX XXXX SINGLE MOM TRY TO STAY AT MY CURRENT HOME I BEEN HERE FOR 17 YEARS THOUGHT THE PAST 3YEARS LIFE HAVE MANY CHANGES XXXX XXXX XXXX XXXX XXXX XXXX FOR A MOTHS ALSO MY CHILD .THAT WAS THE FIRST TIME THAT APPLY FOR THE LOAND MODIFICATION TO LOWER THE PAYMENT/ WHAT THEY DI THEY PUT ME IN TRIAL FIRST .AFTER TRIAL OVER 3MOTHS WAS OVER THEY TOLD ME I WAS ABLE TO MAKE THE PAYMENTS,, AND I DINT QUALIFIED BECAUSE IS NOT THE BEST INTEREST FOR THE LENDER, BUT CONTINUE.DEMANDING FULL PAYMENTS KNOWING IN PAPERS THAT I CAN ; T COME UP WITH THE PAYMENT.OVER WORKING THEM FOLLING YEARS EVERYTHING GOT WORSE ECONOMY PRICES FOR GROCORIES WHEN UP SKY FUEL AND SO ON WORKING 7 DAYS GOT SICK MANY TIMES BECUSE NOT RESTING .MY INCOME HAS BEEN THE SAME, SO APPLY AGAIN FOR LOAN TO BE AFFORDABLE THEY SPEND OVER 3MOTHS TO REVIEWS MY DOCUMENTS AND EVERY TIME THEY ASKING FOR REDICULOUS PAPER, WHEN FROM THE BIGGINING I SUMIT TAX DOCUMENT FOR TWO YEARS 3MOTHS PROVEE OF INCOME EVERY THING THEY ASK. 
AT THE END OF THE 3MOTHS THEY CALL ME TELLING ME THEY DONT GOT ANY SOLUTIONS FOR ME THAT I DONT HAVE ENOUG INCOME .BUT AFTER THAT CONVERSATION WITH XXXX / 3DAYS LATER SELECT PORTFOLIO DEMANDING FULL PAYMENTS .EVEN MY ESCROWS ACCOUNT IS HIGHER THEM PRINCIPAL AND INTEREST ..ALSO PREVIOUS 2MOTHS THEY HAVE MAKE ERROR IN MY ACCOUNT/ REPORTING TO THE CREDIT BUREA THAT I OWN THEM MORE/ I DISPUTE THIS THEY FIXED BUT, NOW THEY ASK FOR MORE $ TO ESCROW XXXX XXXXTHEY LIE TO ME/ I BEEN GETTING SEVERE STRESS BECUSE OF THIS SELECT PORTFOLIO IS A MORTAGE THAT HAVE BEEN PLAYING THIS DIRTY GAME TO HOMEOWNER ALL OVER U.S.A .AND GETTING AWY BY KEEPING THE HOME FOR THE HOME OWNERS AT THE END SELECT PORTFOLIO THEY DONT WANT TO HELP YOU..THEY WANT TO KEEP MY HOME? THE LENDER THEY KNOW MY HOME IS VALUE TO KEEP FOR FREE IS NOT A JUNK HOME OR BAD NEIGHBORHOODS/ OTHER WISE LONG AGO, LONG AGO THEY WILL MODIFIED MY LOAND OR GIVE ME, OPTIONS. SO AFFORDABLE ABLE TO MEET THE PAYMENT WITH OUT STRESS .NOW SELECT PORTFOLIO THEY ARE SAYING I GOT 30DAYS TO APPEAL THERE DECISIONS MAKING ME BELIEVE THEY WILL DO SOMTHING // THEY JUST WANT TO KEEP MY HOME /THEY GOT VERY BAD REPUTATION.IS THE WORSE COMPANY EVER .EVEN GOT LAWSUIT IN THE SUPRIME COURT FOR THE SAME ISSUE REFUSES TO HELP THE HOMEOWNERS.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/XXXX, I received a call from XXXX XXXX about my Chase account ending XXXX, XXXX, XXXX, XXXX being moved to California from NJ  without my permission and a clear violation of my privacy and confidentiality. The branch manager is XXXX XXXX and district manager XXXX XXXX. 

My information XXXX XXXX and my XXXX kids XXXX, XXXX and XXXX XXXX - SSN, bank balances, account information was given to my ex-father in law XXXX XXXX, ex mother-in-law XXXX XXXX and ex-husband XXXX XXXX - we have been divorced on XX/XX/XXXX. We have ongoing criminal case for XXXX XXXX in the NJ court and disclosing my financial information to them is very detrimental to the life and safety of me and the kids. My entire financial assets are in Chase and breaching my privacy and confidentiality is a clear violation. 

This is a clear violation of my privacy and a breach of my confidentiality. I want my account back in XXXX NJ and restricted from viewing from any branch outside XXXX NJ. 

I would like to be compensated {$7500.00} for the trauma and stress endured by disclosing confidential information and PEI to XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was a victim of identity theft/fraud. I lost my bank card while on vacation in XXXX. I received a notice from bank of America, stating my account was overdrawn. I went in branch to investigate, and was advised there were fraudulent checks going through my account and XXXX was returned for forging signature. The account was closed and my cards shutdown. Even though they know my card was stolen, I was forced to pay the overdrawn amount which was {$9700.00}. Now, on my XXXX and XXXX systems credit file and report, its showing that I was committing checking account fraud. I contacted bank of America and ask that they update my account internally and with the credit/consumer reporting agencies. I was told I have to contact them personally. i have written multiple letters to XXXX XXXX and XXXX, providing proof that i did non of the transactions and I have no knowledge of if, I lost my card and this has been the pending result, they either send me back to bank of America or say the information is correct. either way I keep getting the runaround. I asked for details example the name of the person they spoke to while investigating, proof bearing my wet ink signature or any documents and up to this day, they have not provided me with anything. Under the FRCA I asked them to remove all unverified, derogatory information from my report being they can not provide any documented or verifiable proof, they have not done that either. Due to the derogatory, unverified information XXXX bank who was my main bank for over 10 years immediately closed all my accounts and ended all relations with me. Same thing happened with other banks I had accounts with. This derogatory information has been a huge burden on me and huge inconvenience with financial institutions. I was denied opening a new bank account because of this. I did everything they asked even paid the balance, I wrote, called, plead n begged. I'm at my last resort now, I'm tired of the back and fourth honestly. I feel like I have been getting computer generated replies, because its the same thing over and over. I'm kindly asking you to step in and help please. 
Any proof or additional information you need please don't hesitate to ask I'm a hard working honest young man, no arrest or criminal history. 
Thanks in advance XXXX Institutions are bank of america-checking account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-07-25
Company: Neighborhood Capital Funding, Inc.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
When my home owners insurance went up so did the mortgage. I live on a fixed income, which is SSI money check for {$910.00}. I live alone even though the house is also in my ex wife 's name also. Even though I had to borrow money to pay {$3400.00} that I did not have to pay ahead of time and payed them that money so that they can stop harassing me all the the time, they still did harass me. I thought that with this money I would get them off my back and that I would it would help for me to fix the house. They are not budging and still making me pay more of the mortgage and it's default me because of this. I can not pay them aby more than I have to plus pay my lender of the {$3400.00} back at the same time. I was bot obligated to pay that much ahead of time only did so so that I can pay less by just paying the principal and made a big mistake by giving these people the money ahead of time.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-07
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Why are you indicating that XXXX XXXX # XXXX has no date closed? how is this possible? You also show a blank date of last payment. How is this accurate? In addition why are you showing no date closed? You also show that I was XXXX days late in XX/XX/2021, but show no payment history before or after this month. This can't possibly be accurate or make logical sense. I attached proof of your inaccurate reporting below. I demand that you update this or delete the account immediately according to XXXX XXXX XXXX ( b ). Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I am entitled to a 100 % accurate credit report according to FCRA law. How is this account accurate if payment history is wrong? You must provide me with an answer of why you continue to refuse to update payment history. DO NOT MARK THIS AS FRIVOLOUS OR A DUPLICATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NJ
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 the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within XXXX business days. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) ( B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these accounts belong to me I require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. This account ( s ) is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX XXXX XXXX, XXXX, NJ, XXXX, XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$6000.00}, XXXX OF XXXX XXXX Date Opened : XX/XX/2020 Balance : {$8100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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