BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I completed a mortgage refinance with XXXX  in XX/XX/XXXX. I made the first 2 loan payments ( by check ) for the payments for the payments due XX/XX/XXXX and XX/XX/XXXX. Both payments ( $ XXXX/each ) were made and the checks cashed in XX/XX/XXXX. In late XXXX the XXXX  loan was transferred to AmeriHome for loan administration. The two XXXX  checks have never been applied to my AmeriHome loan account. I have made several attempts to get this cleared up since early XXXX even communicating with the Office of the Presidency. I have sent AmeriHome the XXXX  loan number, electronic copies of the 2 checks along with the XXXX checking account statement that references the 2 check debits. None of this has gotten me anywhere over the last several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing to file a formal complaint regarding an inaccurate late payment entry on my credit report associated with an account labeled " XXXX  XXXX and XXXX  XXXX XXXX '' with Account Number XXXX. This late payment is in error, as I have never been late on any payments, and I kindly request that this erroneous entry be updated and removed from my credit report. 

The reporting of a late payment associated with the " XXXX XXXX and XXXX XXXX XXXX '' account is entirely inaccurate. I have consistently made on-time payments for this account, and I can provide documentation to support this fact.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17
Company: Westlake Services, LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I entered into an agreement to pay a monthly amount on an old bad debt for a reposessed automobile with Westlake Financial ( located in California ). 

Original loan # XXXX Original last name on loan ; Word I have faithfully paid on this debt, some months more than the agreed to minimum. 

I have been trying for several months to get an account statement showing what the balance owed is, IF ANY, as I believe this debt should now be paid in full after all these years of paying. 

I have called and requested the account statement, I have used Westlake 's online customer contact form, I have emailed.

In about 6 months time I have had 1 person reply, asking me for additional information and then stating she sent my request to the appropriate department. This response was from a XXXX XXXX on XX/XX/XXXX. 

I still have nothing from this company. 

I believe this company is fraudlently collecting my payments and refusing to send me an account statement so that I won't know the debt is paid in full. 

I notified them in writing again today that I still need a response and that until its received I am now holding all payments in a savings account. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Hello, my name is XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible. Based on, 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt

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 2020-05-27
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get and apartment, while i was there, I was informed by management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX {$210.00} XXXXXXXX   XXXX  {$380.00} XXXXXXXX   XXXX {$1100.00} XXXXXXXX   XXXX {$3500.00} XXXX XXXX {$220.00} XXXXXXXX  XXXX {$3000.00} XXXX {$220.00} XXXX  XXXX {$160.00} XXXX XXXX XXXX {$1200.00} XXXX   XXXX {$1700.00} XXXX XXXX {$12000.00} CHAPTER XXXX BANKRUPTCY DISMISSED HAPTER XXXX BANKRUPTCY DISMISSED CHAPTER XXXXXXXXBANKRUPTCYDISSMISSED CHAPTERXXXXBANKRUPTCY DISSMISSED

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: Paramount GR Holdings, LLC
State: VA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
XXXX XXXX  filed bankruptcy, my solar failed XX/XX/2023. Reached out to XXXX XXXX, rep advised this was a one time warranty fix and after that we would pay for additional repairs out of pocket. Also, they advised payments would stop until solar panel were operational, however interest on the loan would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: EQUIFAX, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, EQUIFAX, AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX  XXXX XXXX XXXX, TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX ) XXXX Balance : {$660.00} ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-26
Company: WELLS FARGO & COMPANY
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2023 I went to Wells Fargo on XXXX XXXX here in XXXX Alabama, I had construction workers at my home wanting their pay for services they provided to my home. I went into the bank to cash my insurance check of less than XXXX dollars, I presented the chech asked to cash it, endorsed the check, and after waiting forabout 5 minutes the teller came back to me and said that they can not cash my check, when asked why she just said, that i could deposit it and they would have to hold it for several days, I then asked why, when the check was from Alabama and also cashier check from a local bank right here in XXXX, Alabama, she went on to say, that the bank will not cash my check due to the way I handle my account. She walked off and refused to explain it, soI was upset and asked to speak with the bank manager, the bank clerk at the desk told me that the managers were in a meeting and it would be hours before they got out. With everyone looking at me as if I had committed a crime, in shame, I walked out of the bank. As I reach the step with tears in my eyes I somehow XXXX XXXX XXXX. The emotional pain was truly overwhelming. I called the cooperate office and mad a complaint. The claim number is XXXX, On today i call and spoke with a young man and i was told that they sent me a letter of apology through my email, which I still have not received. I was unable to walk due to swelling of my ankle, and the fact that this is not the first time my a check was held for no reason and issues of transaction overdrafts for no earthly reason, I feel that Wells Fargo acted out disregard for me as a customer and used racist tactics to not honor my check. I should be compensated for my pain, embarrassment, and violation of my banking contract

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 2019-07-28
Company: ALLY FINANCIAL INC.
State: CT
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: Problem with personal statement of dispute

Complaint:
I leased a car from GMAC, made ALL payments promptly and FULLY. When I turned in my car, the dealer accepted the car as is -- -no dings, no problems, whatsoever, pristine condition. 

GMAC then sent me a letter saying the contract called for a disposition fee, prepping the car for sale -- -UNNEEDED in my opinion. I DISPUTED the fee and would not pay it. I was never told by anyone that there was this addtional cost to the lease. Yes, it was in the contract ; HOWEVER.. 

I was told the disposiyion fee would be waved if I leased from GMAC again. I would not considring this BLACKMAIL. After numerous, more thandaily, call, dunning me, I asked them to stop harassing me. They did, but they also reported this DISPUTED cahrge to the credit rating services who immediately became complicit by reducing our PERFECT credait rating incrementally as I was still disputing the fee. 

I finally gave in after tryig to lease a car from another dealer who said I was a tier 5 credit risk when I had always been tier 1. The point of this complaint is twofold. 

One, all auto leasing companies should be required to STATE verbally ALL costs of a lease instead of SNEAKING in hidden fees!! 

Two, Credit rating companies should not allow one disputed fee to wreck a perfect credit record especially when it is a protested fee. The intricacies of protesting for elderly people particularly, I am XXXX, is abhorrent. 

I believe credit rating companies should not conspire with any company to destroy credit. 
I believe all leasing companies should be required to STATE all leasing costs. 

I have paid the disputed, STILL, fee because it was in a signed contract. To make matters worse, my wife who also, unnecessisariously signed the GMAC lease, had her credit rting destroyed. 

Now I am asking for a law change and an instruction to the credit card comapnies to stop conspiring on such charges and to return my wife and I immediately to our previous, for year perfectt credit standing. 

XXXX and XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Ct XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I did not consent to authorize nor benefit from the following account ( S ). Block and Remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: ENCORE CAPITAL GROUP INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Midland Funding XXXX sent me a letter on XX/XX/2022, threatening to send XXXX XXXX sheriffs or the local police to my house saying if I didnt pay {$2000.00} or set up a payment plan by XX/XX/2022 Midland Funding XXXX has also been soft pulling my credit report every month for 2 years starting on XX/XX/2022 to current according to my credit reports They have also harassed my parents, who live at a different address, have a different phone number and are not involved in this attempt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I had no knowledge of this account and did not give permission nor consent to open the account. My personal information was stolen and has been used to open various accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am a member of the XXXX XXXX and was mobilized to XXXX XXXX in 2018. Federal law requires that credit card companies apply SCRA benefits in these instances. Upon notification of mobilization, I filled out the archaic American Express SCRA benefit application and provided them with my orders. In the application I requested that the benefits be applied to both my Amex Platinum and Amex XXXX XXXX card. They only applied the benefits to my Amex platinum ( applying lower interest rate and did not charge annual fee ), but they did not apply them to my XXXX XXXX XXXX card. For several months, I attempted to request Amex resolve this and refund my annual fee that I was charged for the XXXX XXXX card. Eventually ( in XXXX ) it was determined that I would need to fill out another application to have these benefits applied to the card. I did so, however, they replied that due to the fact that the orders had ended they would not apply the SCRA benefits retroactively and refund my annual fee. This is absurd that they would apply them to my Platinum card and not my XXXX card, furthermore it's insulting that they don't recognize my mobilization to XXXX XXXX as qualifying for a fee refund. I inquired with several colleagues about this and not only did they have apply for SCRA relief for one card, but Amex also applied the benefit to all of the other Amex cards that they hold. Additionally, they were refunded ALL FEEs they've paid in the past. The fact that I am being singled out and not given the benefits required by federal law is insulting. I've now spent 5 full months trying to rectify this and the support that Amex has given me has been awful. I only have the federal government to turn to now to help me with this. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from your company ( MEAD & ASSOCIATES INC ) stating I owe a debt of {$5100.00}. I have never done any business with Mead & Associates INC. This account has already been in dispute with another company with the same claim and was never validated nor verified to be accurate. Please delete this account MEAD & ASSOCIATES INC # XXXX. It is a violation of the HIPPA Act and a violation of FDCPA. 


I keep receiving harassing phone calls from ( MEAD & ASSOCIATES INC ) over an unverified account that I am unfamiliar with I have requested them to no longer contact me at my job or on my personal phone. I am still receiving contact without any form of documentation whatsoever?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call 4-8 times a day from a variety of phone numbers and today, a Sunday, theycalled me before XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several 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 an alleged fraud or extortion. 
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

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 2023-07-17
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: Public record information inaccurate

Complaint:
When a creditor requests my credit report, Equifax places a comment on my file under Credit Score : Score Factors : that states there is a bankruptcy on my credit report. I filed for bankruptcy in XXXX and disagree with this still being reported on my credit report. This is creating problems, including higher interest rates on loans. While I could get a mortgage, this required additional documentation, including drafting a letter stating why I had not filed for bankruptcy. I contacted Equifax, who claimed it was not an issue because it is only a comment and not reflected elsewhere in the credit file and that after almost 25 years, I have not had enough credit activity to remove this comment from auto-generating. Equifax is the only credit reporting agency that still comments on the bankruptcy, and my score is, and has been, significantly lower than other credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
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:
Continue to report an FTC case on my credit report. Disputed multiple times. They do not investigate. 

Item disputed XXXX XXXX XXXX XXXX XXXX Issue type Account ownership and fraud issues Issue I am a victim of Identity Theft and have a police report or FTC ID Theft report. 
Confirmation # XXXX

Company response to consumer: Closed with non-monetary relief