BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
This is my 10th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24
Company: Westlake Services, LLC
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: Credit inquiries on your report that you don't recognize

Complaint:
These credit inquiries are unauthorized and need to be removed from my credit report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: FIRST ADVANTAGE CORPORATION
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX I was offered a position of a plant merchandiser that in XXXX XXXX. They were enthusiastic and both the manager and the human resources woman who took my oral drug test swab expressed a desire to get me on board as soon as possible. In the disclosures of First Advantage paperwork it says but they are not allowed to use negative information over XXXX years old and the thing that ultimately kept me from getting a job is almost XXXX years old. The scope of their background check paperwork also says that it stops in XXXX of XXXX but they are reporting something from XX/XX/XXXX. Not only is it against their paperwork and disclosures, it's against Oregon law, federal law and it is causing the extreme Financial harm. This was my dream job and I am distraught and can't get my self together over the situation. It's very traumatic to have to relive all this from a mistake I made when I was XXXX XXXX XXXX. 

They are legally reporting it and I have tried to call them, chat them, email them, and engage them in every way possible from XX/XX/XXXX to XX/XX/XXXX. I have also reached out to XXXX 's corporate HR which apparently is an XXXX  call center that doesn't have any power to do anything about this and tells me to call for the first advantage. I also reached out to the store managers who told me to call the aforementioned HR. It's an endless Circle and I'm unable to dispute it and they have resubmitted the same embarrassing illegal stuff almost 20 times since then. They just keep resubmitting it and resubmitting it to the store why are they doing this? I'm humiliated and heartbroken! 

I will submit screenshots of my attempts of contact as well as their repeated violation of my rights. This has been very very traumatizing for me and I'm unable to cope with it right now or I would have done this sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: AmeriHome Mortgage Company, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ive been trying to get help from My loan servicer, AmeriHome Mortgage LLC. Ive applied for the past 4 months for a Repayment Plan. Each time the servicer approves then removes the payment plan without explanation. When I call Im told theres a system glitch or either given some other reason that doesnt make much sense. Each time that Ive called ( at least 15 or more over the past 4 months ) Im questioned, told that I will be helped, granted a repayment plan, the.n 2 weeks later the Repayment plan cancels without reason. Ive been told that its my fault because I made a payment even though the agents ALWAYS instruct me to make a payment as a down payment for the Repayment Plan. Each agent tells me different information and its never clear or consistent. One agent informed me that I was eligible for an additional month of deferment, but that I had to wait and request it after the approval. I waited and requested it. I was informed that, that agent was incorrect and that I was unable to get assistance. On two occasions I was sent the Repayment Plan approval letter ( I have proof via screenshot ). I signed it and returned it and the Repayments was still cancelled. I have called and been told that since I made the down payment Im no longer behind enough on my mortgage to qualify. So I was advised to wait and get behind an additional month. I tried this and was approved, then 13 days later it was cancelled and I was considered 21 days behind because the company had taken the down payment on the day I called. It has been frustrating, devastating, and has exacerbated my anxiety. I recorded the last phone call and the lack of knowledge, customer care, and support was profound. I need help please! Im sure that there egregious actions and constant glitches to their system is illegal and negligent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: Mr. Cooper Group 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:
Dear Consumer Financial Protection Bureau, I hope you find this letter in good health and good spirits. I am writing to ask for your help in getting a closed account reported to my credit reports. This account has never been negative. However, it has been 30 business days since I paid off my Home Loan and Nationstar/Mr.Cooper has not submitted my updated credit report since XXXX. I know this because I have contacted XXXX and that is the information, they gave me and to call Mr. Cooper, which I did. In addition to Mr. Cooper not updating my credit report since XXXX, the balances have not helped my score increase. I have worked hard to maintain my credit and I do appreciate Mr. Cooper for assisting me in my financial hardships at the beginning of 2022. I have maintained all of my payments with NationStar/Mr.Cooper and paid off the full account balance. I am asking now that my credit be updated immediately so that I may resume improving my credit and continuing my positive creditworthiness. Thank you so much for your attention to this prompt matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-18
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
I just met this new girl, I love her and trust her and told about the issues am having with my banks this days and I can't even get my allowance check due to the bank issues.. and she said she can help me get it in her bank and mail it to me, I trust and believe her and I gave the lawyer her details and they mailed the check from XXXX XXXX XXXXXXXX retirement account to her {$17000.00} ... she deposit it due to her Truist bank account is new they have to release {$5500.00} first and Hold the remaining funds. Suddenly she withdraw ahead of me to withdraw all the money and I asked her to mail me the cash, she said no and she ignored me and block me too..

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: 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:
Account XXXX is inaccurately reporting on the credit reports associated with my social security number and violate my consumer rights per the following information : There are several inconsistencies between the credit reports from Equifax, XXXX, and XXXX regarding the account in question. These inconsistencies violate several sections of the Fair Credit Reporting Act ( FCRA ), including sections 623 ( a ) ( 2 ), 623 ( a ) ( 5 ), and 623 ( a ) ( 8 ). 

Equifax reports the account as " Unknown, '' while XXXX and XXXX both report it as a " Revolving '' account with a " Charge account '' detail. This discrepancy violates the FCRA 's section 623 ( a ) ( 2 ), which requires credit reporting agencies to ensure the accuracy of the information they report. 

Additionally, Equifax reports the account as " Closed, '' while XXXX and XXXX both report it as " Paid. '' This discrepancy may violate the FCRA 's section 623 ( a ) ( 5 ), which requires credit reporting agencies to correct or delete inaccurate information within a reasonable time period. 

Furthermore, Equifax reports the " High Credit '' as {$0.00}, while XXXX and XXXX report it as {$100.00}. This discrepancy may violate the FCRA 's section 623 ( a ) ( 8 ), which requires credit reporting agencies to provide accurate information about the credit limits and high credit amounts of consumer accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: Consumer Adjustment Company Incorporated
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint against CACi for their apparent violation of the Fair Debt Collection Practices Act ( FDCPA ) and their failure to address my concerns regarding a debt that has been reported on my credit report without any prior notice. 

On XX/XX/2023, I messaged CACi after discovering an unrecognized debt on my credit report. I called them to open a dispute and request an itemized bill. I was unable to reach any managers, but a representative informed me that I would receive a callback. Later, I received a call and was instructed to send an email to [ company email address ] and was assured that I would receive a response within 72 hours. To ensure my concerns were addressed, I also submitted a request via their website. 

It has now been over 30 days, and not only have I not received any response to my emails or dispute request, but the debt is still being reported on my credit report. I believe CACi may be in violation of the following sections of the FDCPA : Section 809 ( a ) : Validation of Debts CACi failed to provide any written notice containing the amount of the debt, the name of the creditor, and a statement that, unless the consumer disputes the validity of the debt within 30 days, it will be assumed to be valid. 

Section 809 ( b ) : Disputed Debts Upon my dispute, CACi should have ceased collection of the debt until they provided me with the requested verification. They have not only failed to provide verification but have also continued reporting the debt on my credit report. 

I kindly request that the CFPB investigate this matter and take appropriate action against CACi for its apparent violation of the FDCPA. I also request that the debt be removed from my credit report if it is found to be invalid or if CACi continues to fail to provide the necessary verification. 

Please find enclosed copies of my correspondence with CACi as evidence of my attempts to resolve this issue. 

I appreciate your attention to this matter and look forward to your prompt 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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXY XXXX Balance : {$310.00} ; XXXX XXXX XXXX Balance : {$240.00} ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
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: Can't stop withdrawals from your account

Complaint:
I received a letter in XXXX that stated my free checking account would no longer be free because it did not meet the guidelines I use which would have been 10 uses of your debit card per month. That guideline was being eliminated and now my account would be charged {$12.00} per month. To ease into this process I would be given a 9 month grace period. But then in XXXX I opened up my checking account online to pay bills and what popped up online was an advertisement offering ways to avoid account fees, and one way was using your debit card 10 times in one month.

I immediately called into the call center, and was routed to my local branch which then escalated my case to the complaint center. And that is where the case lingered for weeks and weeks and weeks on end. I ended up taking pics of the ad with my phone which I have included with my complaint, and I was asked to fax them into my specialist. I received several letters telling me that a resolution was forthcoming. One never came. I called in on the XXXX of XXXX which was after the listed date that was given to me, denying my claim. 

This is unfair because it was their advertisement that caused me to pause and assume that my initial letter must be wrong because of seeing this ad. If you see anything advertised to you in a store that was a mistake or incorrect, they must sell it to you for that price. Why is the banking industry any different? To pay {$12.00} a month for keeping your money safe is just ridiculous and apparently someone at Wells Fargo thought so too, which is why the ad was never taken down! Although, now I am sure it has been!

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 2023-10-25
Company: EQUIFAX, INC.
State: NJ
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:
the information and the furnisher could not provide sufficient proof to prove their reporting. 1.section 609 you're required to send me original paperwork that verifies its account otherwise this is false information The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act.

According to 15 use 1681 ( 5 ) The credit bureaus said everything was complete and accurate and I asked them how if the open date is wrong.

Then I ask them to provide me description of the investigation according to 15 USC 1681 ( 7 ) and they never did. I have proof of my letter for that.

Also according to 15 USC 1681 s-2 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.

This is violation after violation after violation. This is causing me stress because I have no hope with this system

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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 not liable for this debt XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, I do not have a contract with XXXX XXXX, they did not provide me with the contract as I requsted.

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 2023-10-19
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21
Company: Prosper Marketplace, Inc.
State: FL
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I applied online for a personal loan for individuals with low credit scoresXXXX XX/XX/XXXX I received a call ( from phone number XXXX ) supposedly a loan company name " Prosper Loan XXXX. '' The man ( XXXX XXXX ) on the phone stated I was approved {$5000.00}. Mind you he had a thick XXXX accent, even with his name. He verified my personal information, so I'll take it that he retrieved my information through my personal loan application. He requested my checking account information too deposit the funds, after I acknowledged the contract information he sent to me via email. He also requested my debit card number to deposit funds into my account, which I was going to return back. This was just to validate my account, and to make sure my name is on the account, and that I am who I stated I am. 
He notified me that {$1100.00} into my checking account. When I checked my account, the funds was indeed in my account. He gave instructions to withdraw the funds and to buy 3 money card from XXXX and give him the card numbers, which I did. Only to wake up on XX/XX/XXXX to see all these reversed transactions in my chase checking account for the total amount of the funds XXXX XXXX claimed was money from his loan company. I called XXXX XXXX the next day to request my funds back, and that the {$5000.00} loan is not in my account. XXXX XXXX went on to say that the state counselor is requesting taxes because his loan company is in XXXX, and I live in XXXX I told him that XXXX don't have state taxes. He stated that is the law for obtain the loan. He again stated he is going to deposit the tax money, and I need to return it to him via cash app or XXXX money card. He did the same thing by accessing my checking account and reversing paid transactions totaling {$1900.00} from months ago. Payments made to my XXXX XXXXXXXX refused to send him the funds, which made him really upset once he realized that I was on to his scam. I have all the documentation and communication between this company and I. I also has a voicemail from " supposedly his boss who called and threatened me once XXXX XXXX informed him that I am not sending the money back, which they reversed my charges in my account. 
The emailed he used is XXXX. XXXX XXXX is another person who called from the company. XXXX who called and threaten me to blacklist my passport

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 2023-07-08
Company: EQUIFAX, INC.
State: NV
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:
When I investigated my credit report, I realized that some of the information was erroneous. XXXX and XXXX are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance : {$29000.00}, ( Advised to include in Regular Letter ) XXXX XXXX XXXX Balance : {$3000.00},

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-03
Company: EQUIFAX, INC.
State: WA
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:
I am unaware of these inquiries on my credit report. 

XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX until XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XXXX XXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX On record until XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXX XXXX Inquired on XX/XX/XXXX On record until XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation