BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I submitted a dispute to Equifax with no response. I submitted a duplicate dispute XX/XX/XXXX. Equifax sent a regular credit report instead of an answer to my disputes. this places them in violation of the following FCRA regulation : 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information * ( 1 ) Reinvestigation Required * ( B ) Extension of period to reinvestigate. Except as provided in subparagraph ( c ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation.

* ( C ) Limitations on extension of period to reinvestigate. Subpara- graph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After years of unemployment and using my life savings to stay current on home mortgage payment s Wells Fargo  sold my home to an investor named  XXXX   XXXX  in   XX/XX/XXXX   after a year of not making payments. I had applied to get government help that they said was available but was quickly denied and it was just a false  hope. I was order by a county judge to leave a home I lived in  from   XX/XX/XXXX  to  XX/XX/XXXX .  I am now  homeless  and have lots of debt. I do not drink alcohol, use illegal drugs, or smoke and never have. I suffer from   XXXX   XXXX   which I can not afford to have diagnosed and have been separated from my wife and son since  XX/XX/XXXX . I can tell that my family blames me and they offer little to no support yet they expect me to help them. I was once an adequately paid contributing member of society and was able to sustain myself and family but now I have been marginalized by society. Why did the banks get millions from taxpayers yet we the people got nothing but a help program called   XXXX  t hat is worthless as far as I am concerned. I saved for over 10 years to buy my own home. I put a 20 % down payment from over a decade of saving and that was my life 's dream/goal to own a home. These bank CEOs make millions and some have multiple homes yet I am on the streets and something just does not seem right about banks destroying the economy with bad mortgage lending yet they get rewarded while I loose everything I worked for so they can have a lavish lifestyle. In mid to late   XX/XX/XXXX   an attorney named  XXXX   XXXX  called said he had proceeds from the sell of my home of about  14 grand but I had to sign a letter not to sue the bank to get the money. I needed the money so I had no choice but t o sign the letter to pay for immediate stay at  inns and lodge   XXXX   since I am homeless.  I drive  by my former  3 bedroom/2  bath brick ranch home on occasion and it is now recently occupied after having been updated and put back on the market since I was ordered to leave. I believe it sold for  XXXX   XXXX . I kept hoping that eventually someone would come to their senses and give it back but that never happened.

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 2017-04-17
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On  XXXX / XXXX /  XXXX  , I received an ema il from Chase Debit Card Fraud Prevention alerting me to 2 fraudulent charges on my debit card that  were made in the city of  XXXX  on the same day  ( one  for {$66.00} at  XXXX   XXXX   XXXX , the other for {$870.00} a t Best Buy  ). I calle d Chase , as directed in the email, to let them know that these were not my charges. Not only have I not been to  XXXX  in  5+  years, I also have never physically used my debit card, as any examination of my account will sho w ( m y husband is also on the account, and we only use the account to make auto-payments ).     While the {$66.00} was reversed, I am still in a dispute with  Chase about the {$870.00} charge to this day. I have been on numerous calls with supervisors in their claims department and have even conference-called the manager  at the Best Buy with a  Chase claims supervisor to try to resolve the issue. In total, between my husband and I, we have likely spent 10 hours on this disaster. Furthermore, Chase  has promised a minimum of 3 times to call me back to update me on the matter, and they never do. We just get letters saying that they are not reversing the disputed charges, despite promises of updating me.   
How could it be that they would reverse one c  harge and not the other, when they were made in the same city on the same day within hours of each other. Not to mention I called to let them know that these were not my charges! And have repeatedly called back to check on the fraud status. Also, again, as any examination of my account will show, I have never physically used the card previously. And yet I ca n't get anyone at  Chase to  help me.     The amount of time we have spent on this issue is absolutely unacceptable. It 's as if the consumer has no rights, and we are just to accept this fraudulent charge sitting down. How can that be? How can a bank as large  as Chase do   this? I am hoping filing this complaint will help me resolve the issue, so I do n't have to spend another minute fighting this ridiculous fraud and this joke of a claims department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-23
Company: EQUIFAX, INC.
State: SC
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:
XXXX/XXXX/17 multiple creditors are unable to pull my Equifax data. I called Equifax and they do not want to help me, but rather tell the lenders to call the Equifax Business Customer Service Hotline. I am also unable to pull a personal Equifax report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-21
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I am a victim of Identity theft. Please delete or remove this item on my behalf. These items are not mine and this is greatly affecting me and my personal life. I request that you block the following information and Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2022-05-01
Company: ACIMA CREDIT, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXX hit me badly. I have underlying illnesses that made dealing with XXXX really hard and for that, I was out of work with no pay and didnt qualify for unemployment because technically, I wasnt unemployed, my employer took a long time to clear me to return to work after I tested positive for XXXX, even after I provided a negative test once I was well again. Under the CARES Act, creditors must make accommodations for people having trouble making payments. I realized a dip in my credit score and when I checked for why I realized I had a 30 day late payment from ACIMA CREDIT. I reached out to Acima Credit asking for some other type of payment arrangement with no luck from the representatives in which I was in communication with. As soon as I got back on track, I continued to make payments on time and scheduled automatic payments. I am still making on time payments. I am a human being. I have exceptional payment history when it comes to paying my bills on time and I have exceptional payment history when it comes to paying Acima Credit but things did get hard for me and I couldnt work due to me being sick so I did fall back on payments but I am back to paying on time. I have read different situations where Acima Credit did offer a Good-Will adjustment to most individuals and Im hoping that can happen for me. Im not negating the debt but I am stating that this was a one time thing for me. This is my only late payment and it is really ruining my life. I didnt allow the account to go into collections. Im still making payments, Im just a human who had a hard time in a situation that was out of my control. I have attached my positive XXXX test to this. I did not go into the ER because I was afraid. Most people who went in, didnt come back out.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I AM XXXX XXXX AND I AM FILING THIS COMPLAINT ON BEHALF OF MYSELF. 

I have been disputing incorrect information on my credit reports since XX/XX/2020. I have been disputing continuously with all three bureaus on multiple occasions. I still have not received a response from them most of the time, this is unacceptable! Equifax, XXXX  and XXXX need to respond to my disputes as well as needing to have these items removed from my report as this is inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: Experian Information Solutions 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 am a victim of identity theft.

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 2016-02-27
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no copy of original agreement or past record of payments I made.the credit card is in default and now being collected by a legal firm. I believe the amount is incorrect, but I have no record of payments as defaulted credit card used for payments. how do i get past statement on a default debt.I was XXXX with a XXXX XXXX and all record were lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX, I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 56 days later I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate this items within 30 days gives a reason to immediately remove those items from my credit report it has been over 56 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2017-08-23
Company: First Associates Loan Servicing LLC
State: CO
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX, 2017 ATTENTION : FINANCIAL CONSUMER PROTECTION BUREAU First Associates U.S. Department of Education Loan Servicing XXXX XXXX XXXX XXXX XXXX, CA XXXX ACCOUNT NUMBER : [ ACCT # XXXX ] ATTN : First Associates U.S Education Loan Servicing department LOAN DISCHARGE APPLICATION : SCHOOL CLOSURE XXXX : XXXX XXXX XXXX OF XXXX, TN Dear FIRST ASSOCIATES & FCPB, First and foremost, I would like to bring attention to an interaction on XX/XX/XXXX where a concern was placed regarding potential forgiveness on the aforementioned account. I was met with a very unprofessional response from XXXX who told me, You can let it go to collections if you want. Whether you pay this or not, it is business as usual. This was an unnecessary comment. Not only have I been paying my minimum, I have been paying more than the minimum on my loan for over a year. I have never been late on a payment. 
Secondly, I have been subject to a chain of predatory student lending. XXXX XXXX set up a business plan that pressured students into taking out high-cost private loans. Their method was to use in-house credit to meet gaps between the cost of tuition and the maximum federal student loan disbursement. 
In conjunction with unsatisfactory education, educators, equipment, and communication, I am requesting full acquittal of the account. 

Education was poor quality and was limited to partial demonstration of real world application. 
The educators were not equipped to teach the classes they were teaching for in majority cases. 
Equipment was outdated, running on older systems, including the need to save files to previous versions so compatibility issues did not occur. 
The institution promised a continuing education in game design upon completion of the XXXX XXXX program. Less than one month prior to the completion of the XXXX program, I was informed the school was no longer continuing that academic direction and dropped the classes they prepared me for. There were no alternative options provided to me for that academic plan of study.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: GMFS, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have refinanced out loan ( # XXXX ) leaving GMFS on XX/XX/2017 ( funded on XX/XX/2017 ). Since then we continue to get the run-around regarding the refund of our escrow account from the prior mortgage company - GMFS. An example of this is them telling us 1 ) your loan was sold to another company XXXX ... after we chased that rabbit trail we discovered this was not true, 2 ) you owe us a balance to replenish your negative escrow account, 3 ) looks like we owe you about {$200.00}, 4 ) the notes show that we paid your taxes to XXXX twice and now we have to wait 15 days for it to be refunded ( {$2600.00} ) ... ound and round we 've gone with misinformation being provided. No one calls us back when they say they will. No one can provide us with a statement or summary of our Escrows. 

Additionally, we 're disputing the payoff that was generated on XXXX for our refinance. They claim an initial loan balance of {$580000.00} + interest thru XX/XX/XXXX of {$6600.00} ( our P & I payment is only ~ $ 3k, thus this clearly does not account for our payment made on XX/XX/XXXX for {$4300.00} ), but they wo n't acknowledge this + advance {$2600.00} ( pmt made to cty for taxes that were not due ) + a few misc fees = total payoff of {$590000.00}. They wo n't acknowledge that our payment was n't applied appropriately and thus they owe us that payment back for {$4300.00}. 

The most frustrating piece of the whole situation is we ca n't speak with anyone that has any information. We are only allowed to speak to Cust Service, who then sends an email to the " Client Management Dept '' who apparently wield all the knowledge and information. They will respond to our request by sending and email back to Cust Service who will then reach back out to us. However, we have been calling almost daily for nearly 2 weeks and have yet to receive a call back. Then today during our call, the Cust Service Supervisor advised that she had to provide them 48 hours and therefore we likely would n't receive a response back until XXXX, but " probably XXXX ''. Today is XXXX. XX/XX/XXXX. 

Unfortunately, because we are continuously receiving misinformation, we 're not getting return calls as promised, we 're not able to speak directly with anyone who can provide us with accurate information, and their not able to acknowledge the amount owed to us or provide us a timeline on when we will receive our money, we feel it necessary to file a complaint with the CFBP. Please help us advance movement on this, so we can get a resolution and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Innovate Managed Holdings, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
INNOVATE LOAN SERVIC Was opened on XX/XX/2019, with total balance of {$6800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S. Code 1679c - Disclosures Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur XXXX XXXX XX/XX/XXXX XXXXXXXX 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 explanation
Consumer complaint received 2019-06-11
Company: Experian Information Solutions Inc.
State: NC
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:
Credit bureaus failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX & XXXX ( Original Creditor : 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 2021-11-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2021, I called XXXX to inquire why I received a Master card in which I did not apply for, after questioning the young man, he was not able to answer my question. Therefore, he asked me to hold and he will find out. I was on hold for approx 8 minutes. He did not return. I hung up and called back. I was informed from a young lady that from the store card which was not an master card, that my card was upgraded and I received a master card because of good standing without permission. The card number in which I did not activate ended in XXXX. 

My question, what rights do they have to run my credit without permission. Previous to receiving the master card, I was asked several times when I shopped if I wanted to convert the card. I said " no ''. Now, without my permission I receive a master card.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am a victim of idenitity theft, there are accounts on my report and they are not mine

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