BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-06
Company: EQUIFAX, INC.
State: NY
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 became a member of Equifax 3-in-1 Monitoring with 4 FICO Scores in XXXX XXXX. I paid {$12.00} per month for two months already There is only one score provided, and for the 4 Fico Scores. 
Today, XXXX XXXX, XXXX, I opened my Dashboard at Equifax 3-in-1 Monitoring with 4 FICO Scores,  and Equifax is providing me with an outdated FICO score from XXXX XXXX. 
All records of my revolving accounts are incorrect, there is NO ACTUAL PAYMENT AMONTH FOR EACH OF MY CREDIT CARDS, CAR LOAN AND MORTGAGE. The Equifax incorrectly register only the minimum amount and/or the balance. Still, balances on credit cards are outdated and incorrect. 
When I disputed, Equifax just confirmed if the information was existent without looking into more specific information. My credit report has several, the same, repeated accounts/same accounts with the same account numbers which appear more than once on my credit report ( U.S. Dept. of Edu.  Student Loans which were transferred to XXXX ), and Equifax just agreed to verified that they were ever existing. Equifax is keeping repeating accounts on my credit report. Equifax is hurting greatly my credit worthness. Should Equifax include all ACTUAL PAYMENTS I MAKE CORRECTLY FOR EACH OF MY CREDIT CARD/INSTALLMENT LOANS, my score must go up every month. Thus, since I filed disputes last week, MY EQUIFAX CREDIT SCORE WENT DOWN WITH 59 POINTS according to XXXX XXXX. Should Equifax consider my ACTUAL PAYMENTS, WHICH ARE MORE THAN 70 % HIGHER THAN THAN THE MINIMUM REQUIRED AMONTS FOR EACH OF MY CREDIT SCORE, THERE SHOULD NOT BE A DOWNFALL IN MY Equifax or XXXX CREDIT SCORE, BUT MY CREDIT SCORE MUST GO UP ABOVE 720!!! 

I ALLEGE THAT EQUIFAX and or XXXX IS INVOLVED IN DEFLAMATORY suppress OF CREDIT SCORES OF CUSTOMERS LIKE MYSELF, AND HAS NO INTEREST OF FIXING AND RASING THEIR CREDIT SCORES. EQUIFAX and XXXX are HURTING ME negatively and FINANCIALLY SINCE NO CREDIT COMPANY WOULD GRANT ME CREDIT DUE TO THE PURPROUS defamation OF EQUIFAX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: General Motors Financial Company, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I turned this lease on XX/XX/2020. When I turned the lease in there was no payment due and all financials have been resolved when I got into my new lease. When I called GM Financial they told me that everything was all set and I did not owe them any more money. They then reported this as a 30 day late in XX/XX/2020. I don't know if this was due to me turning in the car on the last day of the month. But this was not 30 days late. GM Financial agrees that this was not 30 days late but it still shows on my credit report as a 30 day late.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: EQUIFAX, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I mailed a letter requesting an investigation of questionable accounts listed on my credit report. I never received any results of an investigation and these unverified accounts are still listed on my credit report after 4 months of me mailing the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-14
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABILITY RECOVERY SERVICE HAS AN ACCOUNT ON MY CREDIT REPORT THAT IS NOT MINE AND I HAVE NO KNOWLEDGE OF.

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 2022-01-19
Company: Experian Information Solutions Inc.
State: MI
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: Investigation took more than 30 days

Complaint:
Hello, My name is XXXX XXXX. On XX/XX/2021 I sent out letters to XXXX, XXXX, and experian to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : 1 ) Account : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX, XXXX Amount : {$620.00} 2 ) Account : XXXX XXXX Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Opened : XXXX, XXXX Amount : {$790.00} 3 ) Account : XXXX XXXX  Creditor : XXXX XXXX XXXX  Opened : XXXX, XXXX Amount : {$680.00}

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 2022-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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: Investigation took more than 30 days

Complaint:
Hello, My name is XXXX XXXX. On XX/XX/2021 I sent out letters to transunion, XXXX XXXX XXXX to inform them of incorrect information on my credit report and asked them to validate the debt. They have yet to respond and the information has yet to be removed. the accounts in question are as follows : 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 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 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 non-monetary relief
Consumer complaint received 2018-01-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On the XXXX of XXXX XXXX at around XXXX i noticed that i misplaced my wallet along side with my XXXX XXXX XXXX, so, i called my number but the person who took it refused to pick up, so i sent a text which i knew pretty much that he can only be read but he cant reply because of the security code on it, but surprisingly he responded, so i pleaded with whom ever is involved to returned my stuffs back with the promise of paying him or her any ammount he/she needs, he greed to take {$300.00}, but i pleaded to the extent of {$50.00}, which he agreed, so he concluded to meet me up at XXXX XXXX on XXXX XXXX, when i drove down there, i couldnt find no one, and i cant call because i was using a XXXX account which uses wifi, so after waiting for some time, i decided to go home back, on my getting home to get an internet coverage, i received his message saying i should get my wallet and phone at a clothing and shoe donation can at XXXX XXXX by XXXX XXXX XXXX, which is 2minutes away from me, on my getting there, i found it, i saw an alert on my phon of {$260.00} which as been deducted from my account with my debit card with XXXX which i do use to send money to XXXX , i called my bank immediatelyto file a claim, and i was been credited, on the same spot i called on the police to file a claim as well, which my claim number is XXXX XXXX XXXX XXXX XXXX. 

my name is 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 2022-01-19
Company: Bread Financial Holdings, Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I am the consumer, original creditor and natural person. Comenity Capital Bank has denied my right to credit as I applied for a XXXX XXXX credit card account on XX/XX/2022 in a consumer credit transaction. Pursuant to 15 USC 1681a ( k ), Comenity Capital Bank violated federal law by denying my credit application. Comenity Capital Bank also discriminated against by pursuant to 15 USC 1691 ( a ) ( 3 ) because I, in good faith, exercised my rights to credit by making an application pursuant to 15 USC 1642. Pursuant to 15 USC 1605, a finance charge was involved in the consumer credit transaction I initiated however, Comenity Capital Bank failed to disclose it to me. Pursuant to 15 USC 6802, I am exercising my right to privacy and hereby OPT OUT of the sharing of my nonpublic personal Information to consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: TN
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:
XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX account balance XXXX opened date XXXX XXXX this account is not mine I did not open this account with the company an Experian XXXX XXXX XXXX, XXXX XXXX, CA is reporting this account on my consumer report as well

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-06
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale date on XXXX/XXXX/XXXX. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. I called SPS on XXXX/XXXX/XXXX at around XXXX spoke with XXXX asked him whats the status and he told me that they have received a complete Request for Mortgage Assistance packet and its under review. 

Im just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have contacted this company numerious times now and I feel like they are ignoring the issue and because there was no legitmate reason for closing the account after opening it, I feel think this was a case of discrimination. I have researched all the details of the opening of the account with all three credit bureau 's. I have made two complaints and provided facts and letters from the company itself that supported the reason for the drop in my credit and the opening of the account. I have contacted the credit bureau 's in effort to find out why they would do something like this to me, to find out that there is no reason for them to do this and I have talked to the ( XXXX ) XXXX  who has provided me with no information nor update nor concern for the complete devistation this has caused me. My daughter is getting married next month and I can not use my credit now because of this complete lack of consideration and care from this company. The day I tried to use the XXXX XXXX  card that was issued to me by Chase and it declined I called in and a manager looked up my account and asked me my name. He called me XXXX  like the vice president uses and he told me to please hold while he looked into the account. I believe he put notes on the account that day and he is the reason that this all happened. He then transfered me to a line that never picked up. I went on to days of being put on hold and transfered and given bad information and finally a young girl told me that there were notes on my account saying that they ( chase ) did not want a relationship with me. I had never received a letter stating such! I think he did not like XXXX XXXX and he put that there. I don't know what Chase is doing but they have runined my credit and I spent from XXXX on a program where I spent XXXX a month monitoring and bugeting and watching my credit so I could use it to better my life. They had no right to do this! According to XXXX JPMB Card Checked my credit XXXX  times XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX they closed a credit line dropping my credit a total of XXXX XXXX. That is just one XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-28
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
after trying to receive a loan through XXXX XXXX loan i was told that there was a security freeze on my equifax file, i proceeded to contact equifax where they asked for me to fax over a copy of my social and my drivers license. After having done that i called them back a few days later and was told that everything was clear. I tried getting the loan again and i was faced with the same issue again that there is a freeze on my credit file. I contacted equifax again and this time i was told that i dont even have a credit file with them. So if i dont have a credit file then what freeze was removed??? contacted my banks and credit cards and was notified that my credit is being reported to equifax. proceeded to make 3 calls and talk to 4 different supervisors at equifax and still no luck i was told that i need to contact my banks again and wait 90 days for it to process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since XXXX XXXX I have been unemployed. Due to issues with unemployment, i did not receive payments until end of XXXX. I back then informed citibank of my unemployment issues and they reversed 2 ACH fee charges. 
XX/XX/2021, my unemployment was completed, no extension available. Unfortunately, I was sick with XXXX for 4.5 WEEKS. During this time payments to my creditors were on Auto Payment. This created an exorbanant number of charges to my checking account. CItibank has been calling me 2-3 times daily. I have explained to them I have been sick and to ill to manage my account. I am unemployed and have filed for Welfare. I was informed by the banking representative, he apologies for my troubles but i need to pay them for the return payments. 

I have a mortgage of XXXX a month, an exceeding past due and large electric bill. I have zero medical coverage. I can not afford to pay citibank for insufficient fund charges. 
The reps at citibank said there is nothing they can do this is a system issue. there is no manager i can speak with and i will just have to pay. 

I owe citibank over {$600.00} in insufficent charges, they did not cover any of the payments, these are insufficent charges. 

I have not one dollar to my name. 

No one at citibank will help me. Welfare is on a 6 week back up. Also attached is my electric bill validating i can not pay my bills at this time. I am in dire straights. 

Please help me.

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 2017-07-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
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:
I previously filed a complaint XXXX which was resolved to my satisfaction by USAA 's XXXX XXXX. The resolution involved updating the 3 Credit Reporting Agencies with accurate information regarding 2 tradelines. After correctly reporting these to all 3 bureaus, USAA reverted to the prior incorrect reporting with XXXX and XXXX. XXXX remains accurate. I left phone messages with the person who previously handled the complaint, with no returned calls. Therefore, I am re-filing this complaint. Under the FCRA, USAA has exhausted the 30 day period to correctly post the tradelines and I am requesting deletion of both accounts pursuant to 15 U.S.C. 1681 ( a ) ( 1 ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: PA
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 am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-09-14
Company: Specialized Loan Servicing Holdings LLC
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: Account status incorrect

Complaint:
I was in an approved disaster mortgage forbearance with SLS ( Specialized Loan Servicing ) due to Hurricane Harvey from XXXX. I paid off the entire amount in full prior to the deadline of the forbearance in XXXX. When I checked my three credit reports in XXXX of this year, I noticed that all three were showing that I had been more than 180 days late on that account in XX/XX/2018, which was incorrect as I have never been late at all. Since then, I have called and emailed SLS numerous times, submitted multiple disputes through the credit bureaus, spoken to XXXX  XXXX, and now you all. The past several SLS supervisors have acknowledged their error and told me that they would fix the issue to show " no data '' for that time period, but it never gets fixed. I just received yet another email from XXXX showing that the dispute has not changed anything yet again and it remains status quo. Their incorrect information is affecting my credit score negatively. 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 2016-07-24
Company: FIRST NATIONAL BANK OF OMAHA
State: IN
Product: Credit card
Issue: Other

Complaint:
I am reporting First National Bank ( XXXX XXXX ) again for making harassing phone calls for credit card payment. I reported them a week or so ago and am still getting harassing phone calls from them. Please let them no that I do n't want any more calls on my phone. Thanks.

Company response to consumer: Closed with non-monetary relief