BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-24
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Events started in early XXXX ( documented in the attachment ) when Chase 's fraud department violated my privacy and then locked me out of all my accounts. After a week of trying to resolve how this happened and what will prevent it from occurring again, I decided to close my individual checking, savings and credit card accounts. But Chase will not do that.

I have spent hours on the phone and online, I have reached the end of my patience. I want these accounts closed. I shouldn't have to interrupt my day to go meet with a private banker who's only function seems to be dialing the phone and calling the same departments I have to deal with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
15 U.S.C. Sec. 1681i ( a ) I heard that if you cant provide proof, these accounts must be deleted. Well i want these accounts deleted if they are not percent right and correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-09
Company: EQUIFAX, INC.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The issue is causing me significant distress andXX/XX/XXXX, to the point where I'm having trouble sleeping. I implore you to rectify this as soon as possible. I have never missed a payment on this account, and I find it extremely unfair that I am now being penalized for something that is not my fault. Please update my account immediately and remove any inaccuracies causing me this undue stress.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-30
Company: EQUIFAX, INC.
State: PA
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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : 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 non-monetary relief
Consumer complaint received 2021-11-08
Company: EQUIFAX, INC.
State: MO
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX. I opened an account with VEROS CREDIT LLC. The account was closed on XX/XX/XXXX. 

I got a Repossession remark on my XXXX credit report stating that this account was Repossession, However i was involved in a car accident with the same car i couldn't work for few months and I was never notified about this debt and never received this bill since i move to another location. I would like to address this immediately The Auto Loan is paid off i owe {$0.00} dollars, and i want this negative remark remove from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: TRANSWORLD SYSTEMS INC
State: OR
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:
Unable to pay debt, it continues to grow with interest. ( Over $ 90k ) Im being sued ( judgements ) Ive had my wages garnished and bank account completely cleared out multiple times while I try to work with them. Dont understand, feel like I cant make breathing room or get this in some sort of control. The debt is through XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting 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 went online to XXXX, and they said that there would be no credit pull for trying to be preapproved. I went through all that and come to find out they pulled my credit every day for about three days as hard pulls! I tried calling them, Ive emailed them and I sent a letter with tracking ( tracking # : XXXX XXXX XXXX XXXX XXXX XXXX ). And NO contact back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-18
Company: EQUIFAX, INC.
State: SC
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: Was not notified of investigation status or results

Complaint:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 11. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 16. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting XXXX accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report 17. Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 accurate XXXX XXXX Account Number : XXXX Delete the account for failure to perform an investigation per FCRA regulation. Inaccurate information still shows on my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-20
Company: CarMax, Inc.
State: IN
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 company has been reporting late payments to my account causing me to not be able to be approved for a home for my family. This company is misusing my privacy and concern laws by reporting late payments to my account. There is no law stating that any transaction needs to be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: CITIBANK, N.A.
State: NJ
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:
Repeatedly Citi CEO XXXX refuses to answer me. How outrageously rude! 

Citi is charging me {$40.00} per month for each month that there is a balance due and owing. 
And so the late fees are not astronomical. 

I shall not, shall never, pay these late fees no matter how many times Citi and its lawyers take me to court. 

My beloved wife XXXX and I live ONLY on Social Security and can not at all make ends meet. I shall never pay these late fees! 

I shall declare bankruptcy if necessary!

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 2021-07-18
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/2020 I called CCS and agreed to pay the balance due of {$120.00} if they agreed to remove the item from my credit report. I was told that since the account was over 2 years and if I paid in full I qualified to have it removed from my credit report. I was told if I didnt pay the full amount then it would only be updated as paid on my report. I spoke to several different people on around XXXX XXXX and was told it would be removed since I paid the bill online in full. I have been trying for months to get this removed because that was what was promised to me. This company lied and misrepresented what would happen if I paid them in full. 

CCS COLLECTIONS XXXX XXXX XXXX XXXX MA XXXX ( XXXX ) XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Specialized Loan Servicing Holdings LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently entered into a loan modification trial with specialized loan servicing my payment now is XXXX .I informed them on XX/XX/2021 that my situation has changedthat the social security administration 's deemed me XXXX and that I will receive XXXX a month that and my pension from my job gives me a monthly income of of XXXX dollars.The modification I received had no interest reduction or extension of the loan terms.their response was for me to rent out rooms my house. I no longer will be making XXXX dollars year.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: GA
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:
I am writing to bring to your attention the provisions outlined in 15 USC 1681, specifically section 604 ( a ) and 15 USCS 1666b. As per my understanding of these regulations, a consumer reporting agency is prohibited from furnishing an account without the consumer 's written instructions.

I have noticed that there are closed accounts on my credit report, and I would like to formally request their removal. According to the mentioned statutes, I believe that the presence of these closed accounts may not align with the legal requirements. 

Some accounts are listed closed twice Such as cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also 15 USC 1681 , specifically section 604 ( a ) and 15 USCS 1666b . These regulations emphasize the necessity of obtaining written instructions from the consumer before furnishing an account. Additionally, I have identified instances of reported late payments, and I believe that addressing these concerns aligns with consumer protection laws. I kindly ask for a thorough investigation into these matters and, if applicable, the prompt removal of closed accounts and correction of any inaccuracies related to late payments on my credit report. Your cooperation in ensuring the accuracy and compliance with relevant laws is greatly appreciated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Fein, Such, Kahn & Shepard, P.C.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
A Law firm received a default judgment against me in 2006 in the state of New Jersey. They received this judgment by sending court documents to my childhood home in which I did not live anymore my ( grandmother 's house ). They were also sending mail to my moms vacant home in NJ in order to get a wage garnishment 17 years later. This attorney was able to get wage garnishments even though there was improper service of all documents. I was not given the chance to respond to any motions that were filed against me. The only way I found out about the garnishments was by emails via XXXX. This attorney also tried to XXXX money out of my bank account on the same day they are getting wages out of my pay. They have caused me great financial hardship as I have expressed to the courts multiple times without receiving any elief. The worse part is that I never had a credit account with the original creditors nor do I have any information regarding these accounts. The original creditors have closed down and I have been unable to contact anyone to ask about these accounts as they are fraudulent. This same company was charged by the SEC for fraud and sued by other consumers multiple times over the last 15 years. I have filed several documents for identity theft and mail fraud in the past which were overlooked. I have been to court 2 times about this and the last hearing was dismissed without prejudice meaning I have another chance to stop this attorney who is trying to ruin my life. This attorney is going after everything I own and is trying to get me to lose my job by obtaining multiple garnishments under the same terms default judgments sent to the wrong addresses 11 to 18 years ago. The second wage garnishment was done in retaliation which is unethical and inhumane. They are attempting to make me lose everything I have in order to support my children and myself over unverified debt they have added thousands of dollars of attorneys fees in order to increase the amount owed for their own personal gain. I'm in dire need of help in order to save my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: PA
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This complaint is in regards to an illegal foreclosure suit that XXXX XX/XX/XXXX XXXX has filed for the second time. The judge dismissed the first illegal foreclosure they filed on XXXX because they failed to submit the mandatory papers to prove standing. Then in XXXX they decided to file another illegal foreclosure suit against me and my wife. 

However, this time, they have not only failed to provide proof of the promissory note ( that we made with XXXX XXXX in XXXX ) They have fraudulently signed a bogus assignment of mortgage, signing as power of attorney for HUD. They have ignored the judges demand to state the date that they supposedly ( after six years being lost ) found the note. 

But the main reason for this complaint is to alert CFPB about the illegal use of the title of " trustee '' for what I believe, is a made up trust. In XXXX they filed as trustee for XXXX title trust! .Now they have filed as trustee for XXXX trust Series XX/XX/XXXX-CTT. 

Through my attorney I have requested numerous times the PROOF that this new trust even exists. If my mortgage was originally securitized, Then how can it be re-securitized. I request that CFPB investigate as to the veracity of the trust because I sincerely believe that is a lie.They have never submitted : 1- A copy of the COMPLETE RMAC trust, Series XX/XX/XXXX-CTT INSTRUMENT, LISTING THE TRUSTOR, BENEFICIARIES/ INVESTORS AND PROPERTY and date of registration. 

2- Documents showing that trustee is active, owning the debt that empowers XXXX XX/XX/XXXX to be a trustee pertaining to my loan. 

3- All documents showing physical existence of the trust, including details concerning XX/XX/XXXX XX/XX/XXXX as an actual trustee or the powers it has over the trust property ( including the mortgage ) 4-Documents showing business records of XXXX XX/XX/XXXX Trust Dept. , and who maintains these records, including bank account transactions in the name of the trust that XX/XX/XXXXXX/XX/XXXX has stated has standing to foreclose on my loan. 
5- Power of attorney from HUD to XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) on assignment of mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: Zions Debt Holdings
State: NV
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 IS NOT MINE. PLEASE SEND ME ORIGINAL COPIES WITH ANY WET SIGNATURES AND PLEASE SEND ME A NOTARIZED COPY SWEARING UNDER PENALTY OF PERJURY THAT YOU WERE PRESENT DURING THIS ALLEGED DEBT. 

IM ALSO REQUESTING THE METHOD OF VERIFICATION AND FULL DISCLOSER AND WHO YOU SPOKE TO, NAMES, ADDRESSES, PHONE NUMBERS.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/XXXX I called into customer service at Bank of the West in inquire why my account was showing - {$27.00} on my mobile app. 

The associate advised me that I was not overdrawn and had {$10.00} in my account. I asked if she could reverse 1 overdraft fee as a courtesy and she explained that she could not because I have had 1 fee reversed in the last 12 months. 
I asked the associate to cancel my overdraft protection so this is no longer an issue and they said they would. 

I expressed great concern that I would be charged overdraft fees so again I asked if my account was overdrawn. She immediately replied that is was not and asked me if I wanted to speak with the online dept. to learn how to read my mobile app. As insulted as I was I explained that no further assistance would be needed and the call was disconnected. 

On XX/XX/XXXX ( next day ) I was assessed {$140.00} in overdraft fees and again on XX/XX/XXXX another {$35.00}. Assuming this was an error that would be cleared up by Monday I let it go. 

Monday XX/XX/XXXX I called into customer service again to express my concern and requested to speak with a manager. A manager named XXXX came to the line and heard my complaint. She stated that there were no notes from the associate I spoke with on XX/XX/XXXX and that she would have to listen to the call. I advised that I would hold while she did so however she then stated that her manager had to review the call. I asked to speak with this manager but was told that they were not available and would call back. I have been told this in the past with no follow up so I feel it is necessary to being this to the CFPBs attention.

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 monetary relief
Consumer complaint received 2018-12-24
Company: Coast to Coast Financial Solutions, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Dear XXXX. Relations Mgr., I ask that you provide validation for account history information COAST TO COAST FINANCIAL transmitted to any consumer reporting agencies for me, XXXX XXXX XXXX for the so-called account number # XXXX. Since personally harmful serious problems may be present within transmitted data, I am asking that your company mail this validated information within thirty days. Additionally, formally concur that you adhered to all provisions of the FDCPA or applicable laws after my term of enrollment as a student. Forward more than a cursory account history. In lieu of that this is a call for a formal audit. If these reasonable demands can not be met during this reasonable period, materials disseminated from COAST TO COAST FINANCIAL to any consumer reporting agencies should not be regarded as correct and may bespeak an abridgment of the law. Given that circumstance, vacate that reported information immediately. I appreciate any assistance you will provide.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-15
Company: EQUIFAX, INC.
State: VA
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief