BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-09
Company: EQUIFAX, INC.
State: AL
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-24
Company: JPMORGAN CHASE & CO.
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Every month it is a drama to login to my chase credit card accounts and view my statements. I question both their software programming and ethics. I also question their understanding of basic finance and banking.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
address XXXX XXXX XXXX XXXX XXXX ga XXXX we have excessive mortgage fraud in bankruptcy trustee NEVER investigated not one instance of the excessive fraud on any of the properties both commercial real instead of the abandoned and stoled the properties we had to file our own Rico suits the courts illegal dismissed all of them to cover up for their friends who were involved in obtaining fraudulent loans on our property, they did care because WE ARE XXXX, We noticed with White couples filing Bankruptcy this trustee filed lawsuits. 

the XXXX case number XXXX attempted to make us pay approximately XXXX k in order to stay in XXXX XXXX for FRAUDULENT LOANS and later telling us we would bet our money-back whenever THE TRUSTEE GET A CHANCE TO INVESTIGATE, I transferred to Chapter 7 which is what they wanted to liquidate, however, I complete a Retention Form and he continued to engage in illegal activities and the judge gave him permission to do so., The Trustee is a Liquidator he has an Attorney who is old and the judge basically runs over him as ask other attorneys to say the trustees ' attorneys name in order for her to steal property. 

SPS is a Fraudulent loan, They sent a letter on XXXX regarding releasing the lean. We reported the information and later they created XXXX XXXX 's one for myself and one for my spouse stating the loans was an income. These are not our loams. AFTER investigation we NEVER RECEIVED ANY LOANS ON any OF OUR PROPERTY. 1 of the attornies received 15 years and one was disbarred. we can not obtain an attorney because we are blackballed in Georgia by judges and key attorneys who are involved in the fraud, Please read all attached documents SPS is no longer in business, We have IRS Fraud, MAIL Fraud and Mail Theft as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: JPMORGAN CHASE & CO.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Currently my account is in restricted status and I have been in constant contact with customer service, my local branch and have a representative XXXX from the executive office looking into the case. I have been trying to resolve this issue since Saturday XXXX, 2020 ( it's now Tuesday XXXX, 2020 ). Each representative of Chase has led me into rabbit hole after rabbit hole of holds that last for hours, explanations that hardly lead me to any resolution and none of them have asked for further information or documentation that could lead to any confirmation of my transactions. 
My account is being closed without prior notice or any direct contact to myself. Im being told that there is a possibility that I may only be eligible for {$1500.00} total when my account had a balance of over {$10000.00} when I had last checked. I spoke with my Chase XXXX agent XXXX and she said that the funds still need to be verified but did not ask for documents nor provided a secure link to provide documents to assist in verification. I asked if her negligence meant that she was alleviating herself and the company of any responsibility pertaining to my case and she seemed confused and stated that just even though the call was escalated, there was no way she could guarantee that the issue could be resolved. It is unacceptable that they are attempting to take all of the government assistance that Ive received during a pandemic and can not verify that those funds are indeed mine. And I know that there is a class action lawsuit pertaining to the company favoring preferred clients ( XXXX XXXX ). I then asked XXXX to assist me in securely accessing the {$1500.00} she had offered as my only available funds ( which barely covers my rent ) and she said that she could possibly either transfer it to my local branch ( which I listed ) or that I could get it through the mail. I reminded her that because of the current issues that the USPS is experiencing Id require a tracking number and a quote on arrival date. She could not provide either and rudely said she would call me back. That call ended at XXXX XX/XX/2020 and I have not heard back from her ( so she lied to avoid further confrontation ) and have not been able to directly speak to any local bankers from my local branch ( which again just makes all of this more difficult ). So as of now Im waiting for one of the Nations biggest banks to decide that my problems are worth their attention and as of now no one has made me feel even remotely confident that they are competent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have 2 separate Citibank cards that they both dropped the available credit balance to essentially what I owed on each which was 35 percent or less of cards being used I had nearly 700 credit and never late on payments

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 2020-07-21
Company: Dovenmuehle Mortgage, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We paid our loan in full on XXXX XX/XX/2020. On XXXX XX/XX/2020 I called to inquire about disbursement of the funds in both the Escrow account and the Buydown account as I had not received either, to which Dovenmuehle could not locate nor seem to understand our buydown account and after 25 minutes on hold the account was located and confirmed to have not been disbursed. I had to request that the account be refunded ( which is a problem in itself ) to which I was told it would take 21 business days. After 21 business days ( XXXX XX/XX/2020 XXXX the account was flagged as needing to be reviewed by the Special Funds department and as of today, XXXX XX/XX/2020, the funds in the buydown account have not been released by Dovenmuehle Mortgage, nor can the Special Funds department be contacted directly by the customer. I have called Customer Service six times over the last two months about this issue. The buydown account has over {$1700.00} in it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: OH
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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

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 2020-07-21
Company: EQUIFAX, INC.
State: OH
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:
I have Sent Information to the credit Bureau to investigate into some items on my report. They have still not sent anything back from one of the letters i sent in. We are in the middle of a pandemic and my family is being affected by all of this. I've asked them to respond to me. its been well over 45 days and still nothing. Please help. I know they are busy but by law they are suppose to respond to within a certain time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: EQUIFAX, INC.
State: HI
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 credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 
Account ( XXXXXXXX XXXX XXXX  ) According to 15.USC 1681i ( 1 ) the Credit bureaus have to modify or delete accounts that are nor reported accurately According to 15 1681 ( 1 ) the Credit bureaus don't have no written permission According to 15 USC1681s-2A a person shall not furnish a y information relating to a customer to any customer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person should not furnish relating to a consumer to any consumer reporting agency If- The person has been notified by the consumer, at the address specified by the person for such notice that specific information is inaccurate.

I can go on and on The Credit bureaus no respect for laws.

Someone newd to hold the accountable for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-21
Company: Experian Information Solutions Inc.
State: AL
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:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

These Accounts are not mines and are unverified. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 Unverified Accounts ) 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 2023-06-01
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 did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-25
Company: EQUIFAX, INC.
State: CA
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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I opened my new Wells Fargo XXXX XXXX branded credit card on XX/XX/23 in response to an offer by Wells Fargo to provide XXXX XXXX XXXX rewards points after making net {$1000.00} in purchases within the first 90 days of being a new cardholder. I met this requirement on XX/XX/23 ; after making {$1000.00} in net purchases ( {$1100.00} - {$99.00} credits ). The terms state that Wells Fargo will provide the XXXX bonus points within 1-2 billing cycles after completion of this requirement. The second billing period elapsed on XX/XX/23. No XXXX bonus points were generated by Wells Fargo as stated in the terms of the offer. I contacted Wells Fargo for four hours on XX/XX/23 trying to resolve the noncompliance. Wells Fargo was very unprofessional each time and kept blaming XXXX XXXX for Wells Fargo 's noncompliant failure to perform and repeatedly transferred me automatically to XXXX XXXX without trying to resolve Wells Fargo 's negligent failure to perform. XXXX XXXX supervisors rightfully stated that Wells Fargo was the party responsible for providing the bonus points offered, and that Wells Fargo was the responsible party who had not sent the bonus points over to XXXX XXXX to be put into my reward account. After my seventh call on XX/XX/23 to Wells Fargo to try to resolve the issue, Wells Fargo very reluctantly agreed to " escalate '' the issue. A week later, the issue has still not been resolved, and the promised XXXX XXXXXXXX XXXX bonus rewards points have not been credited to my XXXX XXXX Rewards account.

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 2023-06-01
Company: EQUIFAX, INC.
State: MD
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 submitted a letter to the 3 Credit Bureaus to update this suspicious information. 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. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00} XXXX XXXX Balance : {$22000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: EQUIFAX, INC.
State: NJ
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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 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 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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-18
Company: Navient Solutions, LLC.
State: PA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I opened up a Loan with Sallie Mae in 2016 for the semester for an estimate of {$5000.00}. I had forgotten to check off the interest only option, which apparently I am obligated to pay 50-100 a  month whilst attending college. I tried to reason with Sallie Mae but with no luck. I have tried to explain that I can only make the payments AFTER I am done with college but refuse to help me and is threatening to put my account in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-19
Company: Delta Management Associates, Inc.
State: SC
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
This company Delta Management keep calling and threatening to take me to court. they constantly calling all day and night. No respect. I asked them to not call me any more. The continue calling. They also calls from different numbers and from private numbers. I don't know them and they said the government sold them my contract to collect education debts. My credit report shows that I don't owe any school, because it had been charged off. 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 2020-11-01
Company: Experian Information Solutions Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach 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 2023-06-06
Company: EQUIFAX, INC.
State: TX
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:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-09
Company: EQUIFAX, INC.
State: SC
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 an identity theft victim. I am writing to dispute the following items on my credit report. Each of the accounts and the transactions I dispute was opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: LA
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 my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, LA XXXX, XXXX XXXX , XXXX XXXX , XXXX XX/XX/2021

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