BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: CA
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX SS # : XXXX Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing this letter in regards to several negative items appearing on my credit report related to various accounts that have been charged off, late payment accounts, and collection accounts. The following accounts are the ones I am disputing : 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  Charge Off Account I dispute the accuracy and completeness of the information reported by your organization regarding the above-mentioned accounts. I believe that there are errors in the information that has been provided and that they have been reported in violation of my consumer rights. 

I would like to bring to your attention that the Fair Credit Reporting Act ( FCRA ) states that any information reported to the credit bureaus must be accurate, complete, and verifiable. It is my right to dispute any inaccurate information and to have it corrected or removed from my credit report. 

I also believe that the reporting of this information has caused significant emotional distress and hardship for me. I request that these negative items be removed immediately as they are affecting my credit score and financial well-being. 

I request that you investigate these accounts and remove any errors or inaccuracies that you find. Please provide me with written confirmation of your findings and any action taken. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2023 I walked into the Navy Federal branch to deposit my backpay check from my employer United States postal service. the following day I received an email stating that by deposit would be held 5 more business days but could not tell me why. I am highly XXXX off and someone needs to be held accountable. I'm currently living in hotels and tonight I could not pay my hotel bill, I don't have any money for food. Navy Federal have really put me a dangerous situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my payroll check in the amount of {$500.00} which at first I thought it wasn't accepted because I was denied access online to my checking account that I had recently opened online so I cashed the check at a local store nextdoor to my employer after receiving a email stating my checking account was being closed for unknown reasons with in 60 days then my employer contacted me stating the store was going to the police luckily my employer XX/XX/XXXX out of and they showed that the check had already been cashed so I reimbursed the store {$500.00}. And was able to keep my job after showing them the emails citigold bank sent me my boss showed me where citigold bank received the funds I contacted Citi Gold bank they was able to explain why I was denied access to the funds other than I supposedly violated the terms and my money would be mailed to me after 60 days 60 days went by I contacted the bank again and I still have not received my funds I don't understand how they can cash the check and immediately blocked my access to the funds because the check is real and they received funds from my employers bank I almost went to XX/XX/XXXXand almost lost my job and still have not received my funds from my paycheck for working 40 hours for my employer I've contacted the bank multiple times with no corporation towards me obtaining my funds I earned I don't know how they can do this legally

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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: Their investigation did not fix an error on your report

Complaint:
I have filed multiple disputes with Equifax, in regards to a company name XXXX XXXX I have asked Equifax to provide me original documentation that this debt is owed by me, Equifax has never provided with me that information but has deemed this account as verified. That leads me to believe Equifax conducted improper investigation, they couldnt even provide me with their reasoning that would solidify that account being verified. I have NEVER did business with this company nor is this debt owed by me, this account is affecting my day to day life.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
My Chase Ritz Carlton credit card offers a reimbursement of trusted traveler programs, and I was notified of this benefit when I received my card. It stated that XXXX XXXX, XXXX XXXX, or XXXX  programs are all included in this benefit for a maximum of {$100.00} every 4 years. I used this card for XXXX XXXX which was posted on XX/XX/2023 for {$78.00}. On XX/XX/2023 I notified Chase via Secure Message that I would like to use this benefit and have the charge credited. On XX/XX/2023 I received a message from Chase stating that XXXX XXXX does count toward the credit and it would be applied within six to eight weeks of the charge. After about 10 weeks there was no credit posted and I contacted Chase several times over the next few weeks receiving conflicting info and am now being told that the credit will NOT be applied, that XXXX XXXX is the only program that counts. This goes against the terms I was presented when signing up for this card and the message I received XX/XX/XXXX. Chase needs to honor their agreement and credit the {$78.00} charge as part of this benefit or they can refund the annual fee paid for this card if they wish to violate the agreed-upon terms. I have been offered to use a separate travel credit for this purchase. That is an unacceptable resolution as I have already planned to utilize that credit for other purchases so this would still be costing me an additional {$78.00} that Chase should be covering separately with the trusted traveler program credit. If they wish to no longer have XXXX XXXX  count toward the credit they must notify cardholders first of this change. My most recent communication with Chase via phone has resulted in no additional help. I keep getting transferred between departments over and over with each representative stating they can't do anything about this issue. Bottom line, on XX/XX/XXXX a representative from Chase confirmed that this charge would be credited as part of the trusted traveler program credit. Honor it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
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: Information belongs to someone else

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 removed as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NC
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 see that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous accounts that need to be reinvestigated and correct : 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 response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: NCB Management Services Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have had multiple phone calls from NCB regarding a debt that I contested with them. This account has never shown up on my credit report, nor do I know what it is. That being said, I recently received a letter from them on XX/XX/2023 whereby it states that I agreed to a promise to repay the debt. No payment arrangement would have ever been made. This letter is nothing more than a total fabrication. Please feel free to contact me should you like to discuss in more detail. 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-21
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 usc 1681. 


XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$15.00} usc 1681 section 602 a. States i have the right to privacy. 

15 USC 1681 604 a section 2. It also states consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: EQUIFAX, INC.
State: NJ
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 the second time I've updated this questionable information by sending a letter to the XXXX credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: EQUIFAX, INC.
State: CA
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:
My credit report is showing late payments to XXXXXXXX XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX customer service representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: BARCLAYS BANK DELAWARE
State: FL
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:
On XX/XX/XXXXXXXX XXXX XXXX XXXX I sent a payment ( XXXX money order # XXXX ) via Priority mail tracking number XXXX to Barclays Bank for my credit card, and it was received by them on XX/XX/2023 before noon. 

The Due date of my XXXX statement for the credit card was XX/XX/2023. 

I was still charged XXXX cents for interest charges for a payment made and received on time.

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 2023-10-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Payment ( {$1200.00} ) sent via XXXX XXXX  bill pay on XX/XX/XXXX and tracked that Select Portfolio servicing received payment on XX/XX/XXXX ... ..On XX/XX/XXXX I spoke with XXXX  XXXX and confirmed check had been received by Select Portfolio Serv ... Spoke with mngr " XXXX '' at Select Portfolio on XX/XX/XXXX and he stated check had not been logged into system... ..I made another immediate payment of ( {$1200.00} ) on Select Portfolio 's website resulting in a {$5.00} charge ... .I requested a stop payment from XXXX XXXX on the XXXX but was informed it could take up to XXXX days to implement and was later informed that the original check was finally processed by Select Portfolio on the XXXX XXXX  XXXX!!... Because of the check processing delay by Select Portfolio Serv. a double mortgage payment was made!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2022 I went to Bank of America to wire money for escrow domestically. I sent XXXX and they misspelled a name to the recipient bank. My realtor called me stating the bank had not received the funds in 2 days, which should have took one day max. I go back on XXXX to Bank of America to send another XXXX to escrow in which this case everything was spelled correctly and the escrow bank received the money in 10 mins. Since then I have tried multiple times to call bank of americas wire department to cancel the first wire and I have little to no help. They give me a confirmation number but will not email me or send me proof of cancelation. It has been over two weeks and my money is neither in my bank account or received by escrow. I just need the money urgently to close escrow next month and the Bank of America call representatives are no help. They can not give me a timeframe for the money to get refunded, no guarantee on refunds. They requested additional info such as the recipients full legal name and date of birth. My bank account shows the XXXX in terms of processing and a hold on it. I feel helpless in getting back my money for escrow. Its been two weeks, it should have been back in my account or at least situated into escrows account. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
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, this complaint is not made in error nor is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account below from my report : PORTFOLIO RC ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2021 Balance : {$16000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-11
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 sent a letter last XX/XX/XXXX, to remove the following items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. XXXX XXXX, XXXX XXXX XXXX, SC XXXX XX/XX/XXXX, XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00}, XXXX XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$3100.00}, XXXX XXXXXXXX Balance : {$210.00}, XXXX Balance : {$35.00}, XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX ) XXXX Balance : {$1800.00}, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2023, I called Bank of America ( BoA ) because I had unauthorized charges on my debit card. These charges were made to a XXXX account using my information to send a complete stranger money. I filed a fraud claim and was told that a decision would be made in the following months. Shortly after the incident I was credited the money that was taken from me ( about {$3000.00} ). I contacted the bank to see how long I should wait to use the credited funds, and they told me I could use it as soon as I wanted! Which I did. Now it is XX/XX/2023 and because BoA decided that those charges were authorized ( which they weren't! ) my account is now - {$2000.00} in the red. I have made countless attempts to get this decision reversed because I had to get this issue escalated to the FBI for further assistance. I was told the process would take time, but it doesn't seem fair to me to live off of a negative balance for the duration of the investigation!

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 2023-01-24
Company: WELLS FARGO & COMPANY
State: NY
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:
My XXXX  XXXX charger got repossessed I was making payments n the amount wasnt goin down I call about it no one fix it n after I missed payments do to my amount wasnt goin down then they told me I had to pay the hold amount for the loan which was XXXX XXXX thats insane after my car got repo they said I can pay XXXX to get my car back n caught up to my miss 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 2023-04-11
Company: EQUIFAX, INC.
State: GA
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:
Again, I was a victim of identity theft and this is another request to delete or remove the items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days after the letters sent last XX/XX/XXXX. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. The following items are listed below that need attention : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX GA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX  XXXX XXXX : {$460.00}, XXXX XXXX Balance : {$260.00}, XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$770.00} XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX Balance : {$1100.00}, XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation