BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-16
Company: Firstsource Business Process Services, LLC
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:
XXXX XXXX from First Source Advantage called me at XXXX XXXX on XX/XX/2018 trying to reach someone else who has not lived here for almost 10 years. I also spoke with Supervisor XXXX XXXX. 

I do not appreciate being called and harassed based on information that is almost a decade old. I have never done business with First Source Advantage, and I am not delinquent on any debts. I have an " Excellent '' credit rating. 

Both XXXX and XXXX defended the call by saying that was the information they had in their data base. Using information that is almost a decade out of date to call and harass someone who is not delinquent in their debts is an unacceptable business practice. 

Also, my phone number is a national and state registered Do Not Call number. I have never done business with First Source Advantage. Yet they  called me anyway.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: NM
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:
Equifax and XXXX are ignoring my numerous requests to investigate, verify and remove accounts from my credit reports that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
AS OF XXXX I KNEW A PAY CUT WAS COMING, WENT FROM SALARY TO Route BASE PAY, I CALLED MY Mortgage BANK THEN, AAKED FOR HELP, THEY SENT ME FORMS TO FILL OUT WHICH TOOK 15 DAYS TO RECEIVE NOT 10 LIKE THEY SAID. THE FIST NEVER ARRIVED I HAD TO START PROCESS OVER, WHICH TOOK ANOTHER 15DAYS TO ARRIVE THAT'S ONE MONTH, NOW XXXX I CAUGHT ON TO WHY MY PAYMENT WENT SO HIGH, I WAS BEING OVER CHARGED {$860.00} ON THE ESCROW AND INSURANCE. I HAVE REACHED OIT TO THEM AGAIN TO AT XXXX START PAYMENT BUT THEY WANT FULL AMOUNT FROM XXXX TO XXXX SEEMS LINE THEY WANT TO FORCE FORECLOSURE

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 2021-09-17
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: Account status incorrect

Complaint:
How can I have excellent pay history and yet such poor credit scores by only XXXX and Experian? The credit scores & remarks given by these 2 credit monitoring agencies do not accurately reflect the proper history of the credit reports. I have not had a delinquent or derogatory account and yet, both XXXX & Experian cite this as one of the reasons of my low credit score. XXXX and Experian are bound by the laws of the The Fair Credit Reporting Act to report FAIRLY and ACCURATELY which it has not done and has made no effort in making the necessary adjustments to effect this change. In fact they keep lowering my credit scores and due to their adverse reporting, this has negatively affected my credit report since creditors and lenders often go by scores and summaries put out by these credit monitoring agencies rather than scrutinize the actual details of any one credit report. ( XXXX seems to be the only one that seems to be reasonably correct and they use the same calculating module. )

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 2021-09-17
Company: EQUIFAX, INC.
State: VA
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:
my name is XXXX XXXX with SSN # : XXXX reaching out to request for you to look at my report and remove the inaccurate information that are damaging my credit. i am planning to apply for a loan so please dont make things hard for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I 've tried contacting Equifax over 4 times across multiple days to remove a credit report control lock from my credit report and each time, the representative was unsuccessful because of some " system glitch '' causing the system to not process the request. 

On Wednesday XX/XX/XXXX, I called Equifax to remove what I thought was a freeze on my credit report. Long story short, it turned out that it was actually a credit report control lock and took a few departments to figure out who I needed. Once I got to to the right department, the representative told me their system was having issues and to call back in 45 mins. After I called back after then, I was told their system was still having issues and to try again in 2-3 hrs. After calling back after then, the person was supposedly able to submit a request to remove the lock and said to call back in 2-4 hrs to confirm that it was removed. I called back after 2 hrs and the lock was still on and a representative said she 'd try to remove the lock again herself. She tried removing it, but apparently their system was still having issues and told me to try calling tomorrow after waiting for at least 10 mins for the system to process. 

On Friday XX/XX/XXXX, I went to apply for a loan and was denied the loan because a lock was still on my account. I called Equifax again that afternoon and another person tried to remove the lock, and yet again their system was having a glitch so much that after waiting on hold for 45 mins for the system, the person said to try calling again after a day. 

Equifax should be able to process a simple request to remove a lock on a credit report and system issues should n't run across multiple days. Also, I should n't have to continually waste time calling them to make new requests when they know I want to remove the lock ; they should put it in their queue to try again and call me back when it is complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-10
Company: TMX Finance LLC
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Loan payment wasn't credited to your account

Complaint:
On XX/XX/19 a payoff amount was issued to TitleMax   by XXXX XXXX XXXX following a total loss on my Suburban after an auto accident in the amount of XXXX. 
On XX/XX/19 TitleMax  said that the check was in their possession but continued to delay crediting the money to my account and issuing any overpayments due me. I was told that the Store manager XXXX has to approve the transaction despite the check being made out to TitleMax. I believe that they are attempting to extract as much interest as they can up to the dollar amount of the check before they credit my account. This is fraudulent behavior and I now demand that the full amount be refunded me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
I have inquiries that are the result of fraudulent activity, they have not been authorized. My information was also compromised in the XXXX Data Breach.

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 2017-11-18
Company: EQUIFAX, INC.
State: GA
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 belongs to someone else

Complaint:
On my Equifax cred report, it shows a previous address of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX GEORGIA XXXX I have never lived at this address. Can it be removed from my record?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-18
Company: BlueChip Financial
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I 've been struggling with spotloan making payments .I 've already paid the amount. They want 3 times the amount borrowed. Predatory lending is illegal in Ga. The balance is n't going down.I ca n't afford to pay 3 times the amount borrowed. It 's ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been diligently trying to obtain assistance from chase for the last 3 years. I have filed a complaint a couple of times in order to be heard and helped. Chase goes through motions and states that they are looking into it. Chase allows time to lapse and proceeds to mail out a frivolous letter of denial. I spend months after months scanning, faxing getting the run around in hopes of obtaining assistance on a poor modification that has since expired and yet the bank refuses to help, the modification itself was done out of desperate measures as Chase would not help me then unless I lapsed on my payments. Please read attached. " you are not behind on payments '', which I was forced to do in order to get help on their terms 8 years ago. I 'm in this very bad situation due to the modification and everything else that followed. Chase refuses to assist with the deferred amount. I am short about XXXX XXXX every month due to a pay deduction and no more child support. I have obtained a couple of loans since my last complaint to you in order to keep paying my mortgage. Despite my persistence to keep our home, Chase continues to demonstrate poor ethics, practices and political process measures. Something is very, very wrong when you have several people giving you erroneous information throughout the entire process ( 7 months ). The letter not only falsifies information it miss interprets information. I make XXXX XXXX a month, yet if you look at the rejection letter, Chase falsifies the amount in order to place me in another bracket! ( please see attached ). 

Yours Truly

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-18
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
In the early morning hours of Wednesday, XXXX XXXX I was shopping on XXXX. I decided to purchase a small item. When XXXX brought up the payment page, I had the options to 1. buy & pay using my normal XXXX account 2. buying and then paying with XXXX XXXX XXXX which I do not have. 

I checked the latter box by mistake. I remember a pop-up that stated if you pay for an item with " XXXX XXXX '' you are basically applying for a XXXX line of credit. I did not want that, so backed out of the purchase. On my XXXX account there is no record of purchasing the item. 

On my XXXX account, it immediately showed that I now had a line of credit of {$7500.00} with XXXX. I emailed XXXX and told them I did not initiate this account and would they please close it. 

The next day I received an automated email response from XXXX, which did not address my concern. So I call XXXX They did close the account, but in the mean time I was alerted by XXXX XXXX of an inquiry on my credit XXXX note : this happened after XXXX 'gave ' me the line of credit ). I told the customer service rep that I wanted that inquiry removed as I did not authorize any of this. They said they would not do that as this is not a fraud. Well I think this is fraud as I never applied for this line, let alone authorized them to check my credit. 

The companies involved are : XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: Freedom Mortgage Company
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage with Freedom Mortgage and back in XXXX I was going thru a custody battle with one of my child 's fathers in which I was court order to go to mediation. This required me to use a whole pay check ( had to bring cash ) to pay for it. XXXX dollars plus I incurred more lawyer fees which set me back and I have struggled to catch up. I called to make arrangements and explain my situation to the mortgage company. A friend of mine told me to ask for a modification. At no time did anyone tell me about FHA loans and the partial payment. I began sending the information they requested in XX/XX/2017. I continued to make payments as I was able to. I also took on a part time job in XXXX to help bring up my income. I sent in a letter of hardship and other documents and since then I feel as if they have been giving me the run around. There is always something missing and I swear I have filled out the XXXX form and sent at least 5 times. I now sent them a check for XXXX dollars as of XX/XX/XXXX I owed XXXX the XXXX was sent in XX/XX/XXXX and I called and told them the rest will be coming on my next pay day and they still have to cash my check and have now sent my loan to foreclosure. So now I am occurring attorney fees as well. I am a single mom of XXXX children and I very much want to stay in this home. I was going thru a hardship one that I think should of qualified for the fha partial claim money. I want to have this looked into as soon as you can. Thanks so much,

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 2021-09-17
Company: MERCHANTS ADJUSTMENT SERVICE, INC.
State: MS
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX, i sent my final letter TO MERCHANT ADJUSTMENT SERVICES about some alleged debts of :107,107, and 155 that i don't owe. I have disputed asking for the validity of the debts at hand and they have not responded to my request within the 30 days.national credit adjusters sent me a document in the mail claiming that i owe a debt. on XX/XX/2021, i sent them a letter usps certified mail w/tracking # XXXX XXXX XXXX XXXX XXXX requesting the validity of the total alleged debts of {$360.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, MERCHANT ADJUSTMENT SERVICES has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13
Company: Navient Solutions, LLC.
State: MS
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:
I have contacted Navient about the account reporting a balance every month when it is a closed account. They report and update the account every week. So I called back and tried to just pay the {$65.00} the rep said XXXX see whats going on with account and call me back he wouldnt let me just pay and he acted as if he couldnt find the account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
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:
the delay in recording the trustees sale is a manipulation of how their items is reporting to the credit bureaus and is a violation of the FTCs Fair Credit Reporting Act guidelines as this is not reporting to your credit fairly or accurately.

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 2019-01-08
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went into the XXXX and XXXX XXXX branch of Wells Fargo in XXXX, Oregon and attempted to make a withdrawal of 20k on XX/XX/XXXX and the teller told me they couldnt do it and did not give me a reason why. After I asked for the situation to be escalated, the teller alleged he went to ask his branch manager, XXXX XXXX, and she had said no. However, managers have always been out on the floor or at least come to speak to the customer to give them peace of mind, and I did not see her at all so I dont know if she was even there. Additionally, when the teller gave me a blank piece of receipt paper to write my personal information on for them to order the cash, I never received a call and it is now XX/XX/XXXX, so I assume they just threw it away. I dont know if it is because of my race, or the way I look, but I have never received service like that at any other Wells Fargo branch. This bank breaks their promises to customers and never tried to do things correctly anytime ( let alone the first time ), they went out of their way to make me feel unwelcome and be unhelpful. Hands down, the worst service I have received in my life at a financial institution. Make no mistake, I will be going on social media to make sure no one else receives this type ( or lack thereof ) of service.

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 2019-03-09
Company: The CBE Group, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company is XXXX. XX/XX/XXXX I notified them in writing and verbally via phone. I replaced service provider XX/XX/XXXX and will not have the physical connection open with them but will keep the email active and open until XX/XX/XXXX. They billed be properly and it was paid. In XXXX, XXXX XXXX stopped billing because they were paid through XX/XX/XXXX. I received horriable calls from their sales people on recorded lines we want to keep your business but you need to call us. Sorry No you are the sales person, I do not call you. Then in XXXX XXXX I received a call from another company who wanted XXXX 's equipment back. I verbally and via email s end them the documentation their equipment was returned back in XXXX and I was credited back in XXXX for their equipment. In XX/XX/XXXX they sent me a bill, but my service is terminated as of XX/XX/XXXX. I wrote with the documentation to the Office of the President as clearly XXXX is not documenting their records. Now a XXXX is sending what looks like a collection attempt via email, does not state who they are collecting for but their digital trail states it is XXXX. A real collection agency following the rules needs to disclose who they are collecting for and this alleged company is not. I have made many calls and emails and now letters to XXXX and they properly stopped billing and cancelled the service XX/XX/XXXX but now they are relentless. 

I do not hide like the President of XXXX hides and is not reachable via phone nor is any of his staff every available to be reached to resolve issues. XXXX leaves email accounts open as they sell data and it is a profit center to allow the emails to keep on coming in.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: CREDIT ACCEPTANCE CORPORATION
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: Public record information inaccurate

Complaint:
I reviewed my credit report and I noticed that there are some inadequate information on my credit report.

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 2019-05-10
Company: Experian Information Solutions 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:
I received a copy of my credit report and there are items on my credit that are not mine. Please remove these items off my report as they are not mine. I've contacted the police and FTC. I'm doing this on my own behalf. There are still items on my credit that are not mine. 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