BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: PA
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-12
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
All three credit bureaus continue to display information which is not pertinent including a student loan for a profit University more than 25 years ago and three collection agencies that are the result of identity theft and proven to be so more than nine times through FTC and cfpb reports. It is impossible to relieve and recall the ID stuff warnings I have on my credit since they don't make it easy to do busy making money defunct invalid student loans. The credit history should be there without going to the negative and it shouldn't even be displayed since it's for a for-profit university been forgiven by the president of the United States and also invalid because of the time. My understanding that this long night have been battling for nearly 10 years don't come off during the most crucial time. Lastly I can not get any of the credit bureaus to pay attention to the questions that are up there as I was part of XXXX 's data breach and my name drags through the mud with several police reports FTC reports and XXXX reports for the past 5 years. I lost an automobile because XXXX stuffed the rights to gain it back and just about every year being farthest thing from peace you could imagine. It's the hardest thing I've ever gone through in my life and continue to cost me hundreds of thousands of dollars. The only thing equifqx made up for was the joke of a XXXX dollar check on the mail. 5

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 2022-10-28
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Citibank checking and Savings account has been locked on XX/XX/XXXX without any warning! When I called Citibank, after several calls, I was told by their XXXX XXXX XXXX Citibank has been investigating a real estate transaction since XX/XX/XXXX. The transaction according to them involved a real estate transaction in XXXX, an amount of {>= $1,000,000}. Looking through my bank records, that is an amount wired into my account after sales of my house on XXXX XXXX XXXX XXXX XXXX CA on XX/XX/XXXX, the property was initially purchased in XX/XX/XXXX! Citibank was satisfied with the explanation on XX/XX/XXXX and told me on multiple occasions account would be unblocked in 5-7 business days! As of today, my account is still frozen. Ref # of my case is XXXX. Citibank # to call is XXXX. Please help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: Experian Information Solutions Inc.
State: FL
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be fil ing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
In XX/XX/2022, when I accessed my Capital One app to make a payment. I use the app to make payments, view account, etc. I noticed a new section under my " Statements & Documents '' titled " Upcoming Bills '', clicked on this section & it reflects " Bills & Subscriptions ''. It reflected : " Next XXXX XXXX XXXXXXXX {$2.00}, XXXX XXXX XXXXXX/XX/XXXX, Dates and amounts are estimated based on previous charges. You may want to check your statement, just in case any charges didn't appear in our search. '' This was alarming since I've not set up any bills or subscriptions on this card. I tried to find ( in the app ) when this was setup & by whom but was not able to. I was also not able to delete or change it. I monitored the card through XXXX. Then in XXXX, I did a search for this amount & vendor throughout all charges on the card & nothing came up. 
I contacted Capital One customer service on XXXX XXXX spoke to XXXX different reps who couldn't understand my complaint, provided little assistance & inaccurate information. 
I called back on XX/XX/XXXX & spoke to a representative in the XXXX, apparently my initial call was handled by a call center in the XXXX as per the rep I spoke to this XXXX. I was on the phone with a representative by the name of XXXX for XXXX XXXX XXXX XXXX XXXX XXXX. This is what transpired : XXXX XXXX I never set up this transaction. XXXX researched & informed me : This is a default on their " app '' which happens when there are " recurring '' charges to a vendor/merchant regardless of the amounts charged. I argued Capital One has no right to set up this " Upcoming Bills '' without my consent & not notifying me. This popping up on my account had me thinking it was XXXX who did this. Additionally, I was provided inaccurate information during my initial call to investigate the matter by XXXX of their customer service reps : XXXX reg customer svc rep ; XXXX in their XXXX XXXX XXXX XXXXXXXX in their dispute chrgs dept Lastly, XXXX stated it was " just '' a default issue on their app which has not been paid, at all, to XXXX. Further, it's through their app that this happens whenever there's a " recurring '' charge to a merchant/vendor. Informed XXXX the dispute chrgs rep informed me otherwise & that I will be filing a formal complaint to appropriate government agency about this practice. XXXX stated during his research he was told it was a default through the Capital One app. I told him app or not, Capital One has no right to do this on my account without notifying me before or even after. The explanation is not acceptable & deem this action as unethical. I plan to discontinue use of this card & close it altogether. I feel consumers need to be informed of this act by Capital One

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-10
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: Information belongs to someone else

Complaint:
Equifax is showing inaccurate information on my credit report. XXXXXXXX XXXX, XXXX  is inaccurate. The information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
Selip and Stylanou LLP - XXXX XXXX XXXX demanding debt due now Im on XXXX due to medical reasons so my funds flow is very low.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Atlanticus Services Corporation
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
They want to charge a fee per month yet wont allow me to use the card. Ive made multiple calls and chat messages to try and fix the problem. The company wont do anything about it. 

It needs to be fixed to wrk and fees removed for not providing a service

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
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 was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. 

I'm not sure why I am seeing multiple inaccuracies lsuch as having past due amount when you claim this as charge off. Can you please send me an updated report, otherwise DELETE this form my file!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I AM REQUESTING ALL DOCUMENTATION FROM EMC MORTGAGE KNOWN AS A SUBSIDIARY OF JP MORGAN : FOR THE YEAR XXXX FOR PROPERTY ADDRESS XXXX XXXX XXXX XXXX XXXX GA XXXX THIS IS A FRAUD LOAN WHICH WAS TAKEN OUT PRIOR WHICH MEANS THE HOME HAD A CLOUD ON THE TITLE. WE WERE UNDER THE IMPRESSION WE HAD TAKEN OUT A LOAD WITH XXXX XXXX  HOWEVER, THIS WAS NOT THE CASE. AFTER EXTENSIVE RESEARCH AND INVESTIGATION WE FOUND MULTIPLE STATEMENTS AND 1098 'S REFLECTING THE SAME YEAR., Y SPOUSE FOUND BANKRUPTCY. SHE WAS IN CHAPTER XXXX UNTIL THE JUDGE ATTEMPTED TO COERCE US INTO PAYING APPROXIMATELY XXXX BETWEEN TWO HOMES. THEY KNEW FRAUDULENT MORTGAGE LOANS WERE ATTACHED TO THE HOMES WHICH EXPLAINED WHY THEY FORCED HER INTO CHAPTER XXXX IN ORDER TO RETRIEVE THE HOME BECAUSE THE LAND WHICH THE HOMES WERE BUILT ON STILL BELONGED TO THE DEVELOPERS BY THE NAME OF THE XXXX FAMILY. WE NEVER RECEIVED A LOAN. OUR NAMES WERE FORGED AND OUR INFORMATION WAS USED TO TAKE OUT MULTIPLE LOANS TOTALING MILLIONS OF DOLLARS. OUR HOME WAS ILLEGALLY FORECLOSED ON AND THERE IS TITLE FRAUD. THE PURCHASER XXXX XXXX XXXX ( XXXX XXXX  XXXX ) WHO HAS MANY ALIAS WAS REPRESENTED BY XXXX XXXX, WHO VERBALLY THREATENED ME IF I SUBMITTED A COUNTER SUIT AND HE COMPLETED ILLEGAL COURT DOCUMENTS IN ORDER TO OBTAIN POSSESSION OF THE HOME. A XXXX LAWSUIT LISTING XXXX AND XXXX XXXX AS PLAINTIFF ; S BUT WAS IMMEDIATELY DISMISSED BY THE CLERK OF COURT. THE ASSIGNED JUDGE WAS XXXX XXXX. THIS WAS IN XXXX XXXX XXXX  XXXX XXXX XXXX OF GA. IT APPEARS XXXX XXXX AND XXXX WORK TOGETHER WITH XXXX XXXX AND OTHERS ENGAGING IN ILLEGAL FORECLOSURES. THE AMOUNT OF MONEY SAID TO HAVE BEEN PAID FOR THE HOME WAS XXXX, HOWEVER WE LATER FOUND OUR IT WAS XXXX VIA XXXX XXXX, THERE COULD HAVE BEEN A POSSIBILITY OF THE ATTORNEY, TRUSTEE AND JUDGE SPLITTING ALL ADDITIONAL MONEY OVER XXXX. THE HOUSE WAS ABANDONED BY THE CHAPTER XXXX TRUSTEE S XXXX XXXX AND LATER A LIFT OF STAY? BY THE PRESIDING JUDGE. THIS LIFT OF STAY TOOK PLACE IRONICALLY WHILE MY SPOUSE WAS HOSPITALIZED FOR 2 WEEKS. THE PRESIDING DOCTOR ACCIDENTALLY SLIPPED AND MENTIONED THE AGENDA. WE WERE NOT NOTIFIED OF THE LIFT OF STAY. THE PRESIDING DOCTOR XXXX XXXX XXXX XXXX AT XXXX XXXX IN XXXX GA APPEARED TO HAVE BEEN PAID TO KEEP MY WIFE IN THE HOSPITAL IN ORDER FOR THE XXXX TO COMPLETE THERE DIRTY WORK. AS A MATTER OF FACT, THE ADDITIONAL ASSIGNED PHYSICIANS, APPROXIMATELY 3 OF THEM ENGAGED IN VERBAL CONFLICTS WITH XXXX XXXX REGARDING WHY SHE WAS NOT SENDING MY WIFE HOME. SHE HAD ALL OF THEM DISMISSED.XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have a Bluebird Debit card issued by XXXX XXXX XXXX XXXX American Express which was opened in early XXXX. The card is funded via transfers to/from my Checking account at XXXX XXXX XXXX  . All of the sudden the link to my checking account stopped working. I have been trying unsuccessfully for over a week to transfer the funds back to my Checking account. I have called the Helpline many times ( XXXX ), but have been getting the run around. First I was told to unlink my Checking account & relink it. Then I was told I can't unlink it, they need to do it. When it appears linked, and asks to verify the Trial Deposits sent to my Checking account. But when I enter the amounts, the system tells me the amounts are wrong. Then I'm told I need to ignore any Trial Deposits less than a dollar, but all the Trial Deposits are less than a dollar. Each time they re-link the account I'm told I need to wait up to 5 days. I've spoken to several representatives, including a supervisor, and each one gives me different answers. Meanwhile, I can't get my money. At this point I just want to close the account and get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
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: Information belongs to someone else

Complaint:
I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
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: Credit inquiries on your report that you don't recognize

Complaint:
This was my second time contacting XXXX XXXX credit bureau about fraudulent activity, On my Credit report do to im a victim Of Identity theft, the criminal clearly found someway to contact XXXX and provided all of his information, I already told XXXX XXXX that, That was the wrong information. They had the wrong name address, and a bunch of fraudulent inquiries that I never consent too. when I asked them to help me and change the information, They told me no I had to go to their maintenance and then hang up on me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: Consumer Portfolio Services, Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I did not authorize any one to pull my credit. I did not apply for an auto loan. I am the victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: MS
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account # XXXX, and SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN ODA XXXX XXXX XXXX XXXX has violated my rights 15 USC 1681 Section 602 A 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 an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-02
Company: AES/PHEAA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Letters of XXXX keep coming to my address, and it wasn't me that did the borrowing, I'm not in school and a senior citizen and not employed, I got some letters of deferred payment, I've call FedLoan services and talked to someone and told the person that it wasn't me but the letters kept coming of the total amount due, also this payment had went to consumer reporting agency, it went to the credit agency, I haven't been to school in years, looks like it was easy to get the loan but trouble to straighten out, In my elderly condition I want this thing discontinued, I don't want this loan to identify me as being the borrower, and I want it straighten out through the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14
Company: Selene Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Foreclosure

Complaint:
XX/XX/2023 I submitted a Hardship modification package on XX/XX/XXXX, time stamped and documented that it was received on XX/XX/XXXX, which is 40 days prior to my scheduled foreclosure. I was told by Selene customer service that the modification package was not received in time for review. 

In accordance with the applicable regulations, if an account servicer receives a complete loss mitigation application XXXX ( XXXX ) days or more before a scheduled foreclosure sale, the account servicer is required required to initiate a loss mitigation review and suspend active foreclosure proceedings. 

Once again, I am being told XXXX different stories from XXXX. First, the package was received on XX/XX/XXXX, so Selene doesnt have enough time to review, clearly that is incorrect. So, when I challenged and proved the package was indeed received on time, the story changed. Now I am being told the package was incomplete, curious that that if you dont have time to review how do you know its incomplete? I asked what is incomplete and got no answer.

The bottom line this a trend with Selene, to find a way to not approve. Even when a modification was approved it was the worst-case scenario out of many that Selene could have approved. Selene would not even take in considerations $ XXXX in funds from the XXXX program and tripled my interest rate. 

I have the following available to me if only Selene will approve and end this fiasco XXXX XXXX XXXX on Selene approval XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX approval $ XXXX XXXX Legal XXXX XXXX XXXX XXXX Personal Certified funds available XX/XX/XXXX XXXX XXXX Total payoff $ XXXX 30 days after HAF approval XXXX loan will be fully reinstated! All funding above can be verified and approved ONLY WAITING ON SELENE! 

I have worked tons of ways to get my mortgage back on track, each time instead of embracing the solution XXXX has gone out of its way to deny or make it unmanageable. 

Again, the above is a way to fully re-instate with no need to modify. Will Selene accept? 

I need acknowledgement and agreement of my proposal that fully re-instates my loan. Its a win for both parties why would possibly deny! 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation