BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-12
Company: Experian Information Solutions 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:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be deleted ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XX/XX/2021 XXXXXXXX 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 2023-01-20
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Overdraft and charges was take unacceptable

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 2023-08-03
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I XXXX XXXX XXXX XXXX XXXX widow who lost her 35 years marriage partner with XXXX in XXXX, who been financially broken since the loss of my husband my life partner who basically handled all of our finances for 35 years and our mortgage payments asking this lender ( Rushmore Loan Management ) to stop denying me assistance and helping the investor to force a sale of my home. This is the only home left in my name since my husband death and it's been a year and I keep trying to reason with them people to modify my loan but they keep stating I have too much obligation, but I don't have anymore because all of my other homes were basically are gone and I no longer have any obligation beside my home that I live in now and it's the only home I got to shelter in, they keep want to forclosure on me and I dont understand why, I kindly seek modification to start making my mortgage payments, I have the income and I have 2 solid contributors who support me financially and emotionally ( my nephew and my sister In law ) whom been my back for the past couple of years and my sister in law now lives with me and as family will pay off this loan. Please grant me the assistance and STOP THE SALE IMMEDIATLEY scheduled for XX/XX/XXXX please. these people are pure evil, they even forced me to file BK to stop the last sale date which was scheduled XX/XX/XXXX and they made me file BK just to stop a sale, is this justice? they committed so much fraud and unethical practice and pretend they practiced ethics! please I have lots of proof of illegal practice if you can just let me send you all the proof to sanction them and stop them from practicing in state of California. Attached is screen shot from Rushmore portal dated XX/XX/XXXX showing active modification but on the XXXX XXXX they said incomplete file and sale scheduled for XX/XX/XXXX can't be canceled but on XX/XX/XXXX they have the loan in active modification and they had all documents and file complete on XX/XX/XXXX I have email with XXXX XXXX stating they received documents but XXXX has not yet reviewed the documents received so why did they not cancel XX/XX/XXXX sale? why did they make and force me into BK filing to save my home? what kind of people dose this to a XXXX XXXX XXXX widow? I can not believe why CFPB not doing anything to help us from these corrupt servicers. as of today, they have everything so why they delaying the review? thank you and God bless. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Credit Control, LLC
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
on XX/XX/23 Credit Control LLC received my request for disclosures that Federal Law states that i suppose to have gotten while Im a customer with their company. And I gave them 14 days to resolve this matter and they haven't responded back to me At no time did I ever receive any of the required disclosures from them at the beginning nor while i m customer and they are currently reporting to all the credit reporting agencies. And the FCRA 15 U.S. Code 680215 U.S. Code 6802 - Obligations with respect to disclosures of personal information- which is very clear on what 'Im entitled to..see below In addition - I never gave them permissible purpose to have access to any of my consumer reports pursuant to FCRA 15 U.S. Code 1681b - Permissible purposes of consumer reports Per FCRA 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information b Opt out 1 In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless A such financial institution clearly and conspicuously discloses to the consumer in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party B the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party and C the consumer is given an explanation of how the consumer can exercise that nondisclosure Option

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 2023-03-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
As of XXXX I called to verify what information is needed. I was told they bank account number clarification which was told to my relationship manager on XXXX. I stated that the account number ending in XXXX was the same account ending in XXXX which reflect on multiple documents sent several times. As of today I received another electronic letter asking for more banks statements which have I provided. The letter is not specific to which additional account history they are needing and I am the only consumer they should be concerned with. I feel they are being too invasive and not acting on a loan modification workout plan. My consumer rights are being severely impacted, they are asking for other peoples personal information ( not on the loan ) that I can't provide. I am entitled to a loan modification review and they keep stalling in redundancies. My renters have no banks statements no bank account information I can share. I uploaded and emailed my stock account and explained I am doing credit card advances/borrowing money to make ends meet until a solution arises. I told them my hours wages vs debt owed to include utilities, cost of living etc. Which also reflect on the shared branching institution deposits. On XXXX XXXX I received a call XXXX who received the CFPB complaint and she said they have until XXXX to finalize a modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: EQUIFAX, INC.
State: DC
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. 

Account name : XXXX : # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, XXXX XXXX, line of credit has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: CBC Companies, 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:
It has come to our attention that XXXX XXXX XXXX has been demanded us to make payments in error pursuant to 12 CFR 1026.13. Since the inception of the account which is defined under 12 CFR 1002.2 defined as extension of credit and the word account refers only to open-end credit. Open-end credit is defined via Truth in Lending ( 12 CFR 1026.2 ) see below : Open-end credit means consumer credit extended by a creditor under a plan in which ( i ) The creditor reasonably contemplates repeated transactions ; ( ii ) The creditor may impose a finance charge from time to time on an outstanding unpaid balance ; and ( iii ) The amount of credit that may be extended to the consumer during the term of the plan ( up to any limit set by the creditor ) is generally made available to the extent that any outstanding balance is repaid. You have been requiring Federal Reserve notes as payment, when in fact the application with financial information ( social security number ) attached served as an asset, which satisfied the monthly obligation pursuant to 12 CFR 360.6 ( 2 ) as well as self-liquidating paper pursuant to 17 CFR 260.11b-6. This is considered an unauthorized use since I have received NO BENEFIT. This will also serve as notice of breach of fiduciary duty ( U.C.C. 3-307 ). Following this notice if said financial assets are not either returned to the referenced Creditor/Bailor/Beneficiary via mail within Three ( 3 ) business days or accepted for its intended purpose within Three ( 3 ) business days of the receipt of this notice, an XXXX complaint will be filed pursuant to 17 CFR 240.15c1-2 and 17 CFR 240.10b-5. As well as an IRS complaint for abusive tax schemes involving the SEC filed trust arrangement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Treatment of inaccurate or unverifiable information. 
( A ) In general. -If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete of can not be verified, the consumer Dates are Invalid amount is invalid address is invalid Balance updated is invalid For these two accounts that are hurting my credit I will also contact my lawyer

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 2023-02-17
Company: Assured Financial LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Had XXXX XXXXXXXX on XX/XX/XXXX. Received equipment from " XXXX XXXX XXXX ''. This company then invoiced XXXX XXXX for payment. XXXX processed and asked for more information. XXXX did not receive information. No invoice was ever sent to me ( XXXX XXXX told me the vendor is not allowed to invoice me until XXXX tells them they can ) The invoice was apparently issued 30 days after XXXX requested the additional information. XXXX XXXX confirmed no further communication from vendor. 
On XX/XX/XXXX I received collections notice in mail asking for payment on this invoice. - XXXX separate claims, XXXX for each piece of equipment. I contacted the collector ( Assured Collections, LLC ) and requested the invoice in question, which was sent. The one claim is incorrect amount, according to their invoice. I attempted to call the vendor, the listed phone number is no longer active. An online search for a new phone number indicated an address for XXXX XXXX that is the exact same address as the collection agency. The collection agency provided a new phone number, which goes unanswered. I passed this and several other phone numbers I found online for XXXX ( XXXX total ) to XXXX XXXX and they were unable to contact the vendor. During my search for contact information, I located over 50 XXXX claims against this company for the same issue : collection notice years after a medical procedure for supplies or services that were never billed, and no one could reach the vendor to discuss. I currently have an open fraud claim in with XXXX XXXX and they are trying to figure this out. The invoice stated that my equipment was deemed " not medically necessary '' by XXXX, but XXXX never processed the claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My Wayfair Citibank had a charge of {$69.00} on the credit card from XX/XX/XXXX, and I contacted the credit card company on XX/XX/XXXX to dispute the charge. The fraud department cancelled the card and sent me a replacement card. However, they didn't reverse the charge for the investigation period. 
I continued to receive calls for the collection of the amount stated above. I explained to the customer service the situation that the charge was fraudulent and that the card was closed and reissued. The CS would try to put me in touch with the dispute department and it was either closed for the day or the call would accidentally be disconnected. 
This occurred several times. At some point, I requested that they stop calling me for this past due amount, however without fail, they continued to contact me as if no previous conversations had been documented in their system. A fresh conversation every time! 
I received a letter dated XX/XX/XXXX ( copy attached ) from Citi Cards, that indicated they would not be contacting me for this past due amount. However they continued to call me to collect the amount outstanding, including the late fees and interest. 
I received another letter dated, XX/XX/XXXX ( copy attached ) stating the account was past due and to make a payment. In addition to the letter, I received daily calls and some emails to collect the balance and to rate their service... 
On XX/XX/XXXX I had another conversation with CS who was contacting me for collections of this past due amount. I filed another dispute online, due to the Dispute department being closed for the day. 
Today, I received another call requesting payment as if nothing over the past month and half had taken place. The CS rep, XXXX read through the notes and put me in touch with the Disputing department. 
The person I spoke with, XXXX attempted to cancel the replacement card and reissue a new card. I explained to this person that, that had already occurred and she seemed dumbfounded. 
She put me on hold and came back to tell me that they would reverse the charge and late fees today. Unfortunately, I have XXXX confidence and don't believe they will resolve the matter or that they are capable to managing a credit card company. 
I expect I will receive another collection tomorrow, even thought they agreed to not contact me on XX/XX/XXXX. Hence the complaint!

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 2023-06-07
Company: DISCOVER BANK
State: IL
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:
I am a merchant who offers services to customers and accepts Discover credit cards. I had a customer get full service any pay through Discover credit card. The customer filed a dispute charge back with Discover on XX/XX/XXXX. 9 month after the service date XX/XX/XXXX. claiming that no service was provided. We submitted documentation confirming that the service was actually done for the customer with consent and signature. Discover decided to give 3 days and sent a letter in the mail requesting the actual machine receipt. letter date was XXXX and information was needed by XXXX. Which I do have with customer signature. when we received the letter, it was already passed that date. Discover gave the customer 9 month to file a dispute and only 3 days for the Merchant to respond. I contacted the Merchant service and the bank who filed a claim on my behalf but were unsuccessful since it was done through a third party. I contacted discover but they refuse to help claiming I am not their customer. This will impact future customers if this does not get resolved since I am not able to accept discover anymore. this was stated to discover online chat and I asked numerous time for their customer service contact info other than phone or chat but I could not get through to anyone. This is the reason behind this complaint so these credit cards are being held to a higher standard than this. Merchant services processor excuse was we follow Discover guidelines and we pass it to you and we have nothing to do with these deadlines. Discover will bounce me back to Merchant services processor and refuses to talk to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: Jim Bottin Enterprises, Inc
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Called my office on XX/XX/23 at XXXX. XXXX from XXXX XXXX. Told her to send me a notice in writing with details because I hadnt received anything. She said they did on XXXX. Found a text with no information other than they had my account & to contact them. I told XXXX to not call my office and she began yelling at me that I had a responsibility to pay me debts. I said that I know my legal right is to advise them to not call me at the office and who was she with again. She wouldnt tell me. I said Id be filing a complaint. She said she would put me down as a refuse to pay and theyll be coming after me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: EQUIFAX, INC.
State: GA
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:
So I sent a letter off on XX/XX/2022. Here is my tracking # XXXX To remove personal information that I do not want on my credit report.According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also according to 15 USC 6802, No financial institution is not suppose to share my information to third party people. 

These are clear violations of my federally protected consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I never lived at these addresses below. I sent police affidavit over 2 years ago, to delete any unknown, inaccurate addresses from my file. This is inaccurate information and I need it deleted or else I will sue this company. 
XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ... ... XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX ... ... XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX ... ..how can I live in so many places at the same time! This is crazy!!!

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 2023-03-01
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX user id Password- ( XXXX ) last known XXXX banking app online has been compromised and others including my sister XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Have all my identity and have been changing my passwords and pins to my bank accounts and have been changing my accounts around with all of my information including my ssn XXXX, XXXX XX/XX/1975, address XXXX XXXX XXXX XXXX XXXX Ohio XXXX, and I have reason to believe I'm being watched because my information keeps getting known to individuals above and my passwords and pins I keep changing them and someone keeps getting them! Please help me with this id theft alert problem! I've made a police report and a id theft .gov report! Not to mention all 3 credit reports agencies have all fraudulent information reported by my sister and others above that have stolen my identity! Please give me a report on all names listed on who reported what items on my credit bureau it is all false information!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
companies have not reapplied within 30 days its been over a year, also they will not send verification of the debt.

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 2023-09-10
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My personal information was comprised and used to apply for loans. My Social Security Number, Driver 's License, Address, Phone Number, and Email and Bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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