BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-02
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:
This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

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 response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XXXX/XXXX/17 a charge, " Other decrease '' of {$38.00} was charged to my mother 's account, whose only income is XXXX payments. I contacted Citibank customer service, who indicated that it was a charge but for a different account, which was closed years ago. They said they could not take my complaint and asked me to write to Citibank Exception Processing in XXXX XXXX, Texas. It has been a month since I sent them a letter and so far no response from Citibank.

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 2017-10-26
Company: EQUIFAX, INC.
State: ME
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:
I had started a dispute with Equifax credit reporting agency, its been three weeks and my disputes are completed. I know this because I 'm getting notices from Equifax by email say this is my conformation numbers and my dispute are ready to view. SO I CLICK ON THERE SITE TYPE IN MY INFORMATION EQUIFAX REQUEST. and it say we do n't have your information correctly so I retype what there asking again and double check to make sure its correct and same thing happens. So I call there help line XXXX XXXX XXXX finally get a person they tell me to call the help line??? which is the same number as I called then I can barley understand them and very rude. I only have so many day to check my settled dispute before its removed. at this point I 'm sooo upset I 'm ready to bring them to court myself. Please help me get this resolved This company should be shut down for there handling of public private information plus the handling of there costumer relations is terrible. I will take this further if you cant help me. which I hope you can, Thank you for ready my complaint XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a certified letter from Pennymac Loan Service informing me that my escrow account was short and that my payment would increase from XXXX a month to XXXX a month. The contract I signed indicated a payment of XXXX at a fixed rate. The only reason I bought a house is too ensure that I have a fixed payment so that I can budget for it. If Pennymac ca n't do proper accounting, then they should try another line of work. I have no intention of changing my monthly payment. They will need to make an adjustment on their end that does n't effect the monthly amount that I agreed to. How do we allow the same criminals that cost me a house in 2009 to open doors under a new name?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
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:
FILED A DISPUTE ON XX/XX/XXXX CREDIT AGENCY STILL HAS NOT FINISHED THEIR INVESTIGATION WHICH PER THE FAIR CREDIT REPORTING ACT, SECTION 611 ( A ) ( 5 ) IF YOU CAN NOT VERIFY THE INFORMATION WITHIN THE 30 DAY TIME FRAME YOU MUST DELETE ALL THE DISPUTED AND UNVERIFIED ACCOUNTS.

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 2017-10-25
Company: Atlanticus Services Corporation
State: CO
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 have always paid my bill online every month with a bank and they always show that they receive my payment however, in 30 days sometimes they will send me notice that they never received the payment even when the website says they did. This has caused multiple late pays to show up on my report by no fault of my own.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Exsperian refused to update and remove old addresses, phone numbers, names etc.

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 2021-11-10
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Despite the multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

1. CREDIT COLLECTION SERVIC XXXX Opened XX/XX/XXXX Balance {$0.00} ;

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: SYNCHRONY FINANCIAL
State: VA
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 opened a account I was told it would be pay ed off in a year it not I haven't gotten any where they misled me I'm a senior citizen

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 2022-04-02
Company: Experian Information Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : 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 Commision and I also have enclosed copies of the Federal Trade Commisions 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 2021-05-13
Company: Carvana Group, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I purchased my car on XX/XX/XXXX with cash from Carvana. I received my registration for the car XX/XX/XXXX. I have not received my title and today is XX/XX/XXXX. 

I have contacted the company multiple times between XXXX and now to let them know I urgently need my title because I am now planning to move out of state but they have still not provided me with my car title. This is now affecting my ability to register my car in my new state, affects my residency status, as well as my taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am writing because I had a mortgage with XXXX. I received a letter on XX/XX/XXXXnotifying me I could apply for a loan modification. I filled all of the requirements. On XX/XX/XXXX I received a letter notifying me I was approved for a loan with XXXX. The letter outlined our schedule with payment coupons. Enclosed are copies of the coupons and canceled checks. I paid all payments on time. Again on XX/XX/XXXX I received another letter form XXXX stating I qualified for mortgage loan assistance. I assumed the letter was an error. the letter is dated after XXXX accepted our second payment. A payment was paid to XXXX on XX/XX/XXXX, for XXXX, coupon # 1.Second payment coupon # 2 paid on XX/XX/XXXX.Unexpectedly I received a letter from XXXX notifying me that my loan would now be serviced by Bayview Loan Servicing, as of XX/XX/XXXX.XXXX did not abide our existing loan modification agreement. Afterwards I received a letter from Bayview Loan stating they would now service our mortgage as of XX/XX/XXXX.The letter was dated XX/XX/XXXX.Bayview then sent me a statement that the date of default was XX/XX/XXXX, this was untrue. A copy of item # 10 Illustrates. How can I default on XX/XX/XXXX, when they did not have possession of the mortgage untilXX/XX/XXXX? Again Bayview sent a statement dated XX/XX/XXXX that the date of default was XX/XX/XXXX.After that I received paperwork dated XX/XX/XXXX from the law firm XXXX, XXXX XXXX XXXX had filed fraudulent papers in the XXXX County Circuit Court that the mortgage holder was XXXX XXXX. 
Likewise, I was default as of XX/XX/XXXX.Enclosed is a copy, item # 15, listing law firms as filling fraudulent papers for mortgage companies. XXXX XXXX has not been possession of my mortgage for years. XXXX XXXX can not foreclose on a property it does not own. If XXXX XXXX is the legal possessor of our mortgage, then XXXX has fraudulently been collecting mortgage payments for years. Also, enclosed is a copy of a check I received from XXXX dated XX/XX/XXXX.The check is from a law suit settlement for accounts with XXXX balance/bankruptcy or had foreclosed on property. Item # 22.  Now our home is in threat of being auctioned on XX/XX/XXXX with fraudulent paperwork. I have not applied for a loan modification, because who owns our mortgage? Who do I apply with? Likewise I have not contacted any of Bayview 's staff because who do I discuss this matter with. I have no trust in any of the forenamed companies. Frankly, I do not have confidence in their honesty. Will the next mortgage company abide by their modification? Obviously, XXXX did not. My husband had XXXX XXXX XXXX, a XXXX and numerous hospitalizations in XX/XX/XXXX.His doctors have informed me his health can not endure further excessive XXXX from this outrageous mortgage fiasco. I have been advised by legal counsel to request they " produce the note '' for my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-13
Company: CARD Corporation
State: AZ
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'm XXXX I requested my statement mailed to me as i didnt have online access and my balance didn't add up. When i received the statement I immediately filed a dispute with card.com to let them know I didnt nake the transaction of over XXXX $ on XX/XX/XXXX. I filled out there form and I guess it was not done correctly. When entered into their system even though I included an explanation with the form. I had just been patiently waiting.. Knowing that my agreement with the company stated i would receive the credit in 10 business days if the investigation was still on going. Around XX/XX/XXXX I had used a promotional offered to me of a free night at a casino resort. The required a deposit I was promised to get at checkout. That didn't come back to me. I got all required and requested information that I could obtain from several employees receptionists managers snd supervisiors. This info was faxed emailed and upload it to my account. When I called the customer service I realized. They still hadn't fixed my dispute. When I ask customer service agent for an update they told me that I would not be receiving a provisional credit because I didn't qualify for some reason. A question of dispute team about my agreement that stated I would get the credit and again they could not give me a reason. For 4 days I attempted to contact somebody who could give me some type of answer but only received rude responses and false hope of somebody calling back. So I feel they are breaking the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My JP Morgan Chase Checking Account XXXX was overdrawn in the amount of {$9100.00}. Chase offer me a settlement compromise, of {$4500.00} in three payment. I refused this settlement offer and requested to pay the account in Full. 

JP Morgan Chase requested I pay {$9100.00} to pay the same in full. I paid {$9100.00}, to JP Morgan Chase. JP Morgan Chase recovery department agreed to notify ChecSystem that the same account JP Morgan Chase reported to ChecSystem is paid in full.

JP Morgan Chase recovery rep. also agreed to provide me a letter on JP Morgan Chase letterhead stating account number XXXX is paid in full as of XXXX XXXX, 2017 as the direct result of receiving payment from XXXX XXXX XXXX in the amount of {$9100.00} bring the account to a XXXX balance. 

I have contacted JP Morgan Chase, twice since performing under our agreement to remedy the overdraft in my above said account, by paying the full balance amount of {$9100.00}. 

The Chase recovery representative agreed to provide me a receipt of payment, showing the amount of paid, with the language " paid in full, '' written on Chase letterhead. 

After I made payment in full to Chase, Chase recovery states they can not give me a receipt, showing the amount I paid, nor will they state the account is paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I am in the process of trying to purchase a home, I spoke with a mortgage representative on XX/XX/XXXX and they pulled my credit, on XX/XX/XXXX, I spoke with a credit repair specialist that deals with the mortgage company, after looking at all of my credit reports advised me of what I would need to take care off. On XX/XX/XXXX, I received a notification that Hunter Warfield, Inc had been added to my credit profile for a collections of {$1500.00} and that the credit file had been opened on XX/XX/XXXX.  Since XX/XX/XXXX, I have been diligently working on my credit to attempt to correct it and I have been keeping a watch on my credit report since, not one time, was this ever placed on my credit report, I never received any telephone calls, emails or mail from this place. I was actually disputing the charges with XXXX XXXX XXXX ( this is who the original company is ) as I do not feel that the charges are valid. I lived in their apartment complex for 2 months, gave noticed to vacate, ( this was a month to month lease ) and handed over the keys. I also requested to be present for the walk thru and was told that I would receive a date, that never happened. Months later, I received a notice from XXXX XXXX XXXX, advising that I owed for damages and cleaning, I attempted to call and received no communications from this company until XX/XX/XXXX, when it showed up on my credit report from Hunter Warfield.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-02
Company: Experian Information Solutions Inc.
State: IL
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:
Method of verification sent via certified mail XX/XX/22 requesting information on public record. The dispute was marked as remains I did not receive any of the information I ask to prove documentation. This was requested below : Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The documentation used to verify the dispute If you are unable to respond in a timely manner and provide the above items, please delete the account ( s ) from my credit report to prevent further damage.

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 2020-12-21
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:
On XXXX/XXXX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is XXXX XXXX with XXXX XXXX XXXX XXXX XXXX. I have been attempting to obtain a payoff from Rushmore Loan management and continue to get the runaround. I have faxed 3rd party authorization multiple times i have fax confirmations. I am only trying to get a payoff statement so we can close on the customers sale and payoff rushmore. They are bouncing me around, no response no ETA. Again I am trying to PAY THEM OFF i am with a title and escrow company and can wire their funds to them by tomorrow if they would just issue a payoff statement. They are so consumed with negotiating debt they don't know what to do when someone just needs a payoff statement

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-25
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Called Big Picture loans on XX/XX/XXXX to pay off loan in full. Principal Balance on account page states {$540.00}. However, The amount to pay the loan in full was {$810.00}. This loan was taken out inn XX/XX/XXXX. The account that they have on file for me to pay my payments with had to be closed due to possible fraudulent activity. I opened a new account and requested that they update my banking information, They said that they would have to email me a ACH Authorization form. That request was made at XXXX XXXX today XX/XX/XXXX. Still have yet to receive the form. I had previously requested this form and it had gone to my spam folder. I completed the form with my new banking information and sent it back at XXXX XX/XX/XXXX and they sent a confirmation back stating that they had received the form. I called them again at XXXX XXXX and requested to pay off my loan and once again they claim they have not received the updated banking information. Said they would contact their email support department and call me back. Still have not heard from them. It is now XXXX. XX/XX/XXXX. This loan accrues {$10.00} per day in interest charges. They purposely delay and have stall tactics to get more interest on the loan. I refuse to pay them one more day interest due to their slow and deliberate delay to accept my payment in full for my account.

Company response to consumer: Closed with explanation