BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-01
Company: LD Holdings Group, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have mortgage through Loan Depot. I have never missed a payment. For two months, I split the payment trying to save on interest. I was informed that I could not do that without prior permission. On 3 different occasions, I called their customer service to fix the issue. All three times I was told the issue had been resolved, the monies transferred from principle payment back to mortgage payment, however, I keep getting notifications that I am XXXX delinquent, which I can prove I am not, AND I keep getting charged with late fees. 

I filed a complaint with the XXXX XXXX XXXX ( # XXXX ), but Loan Depot isn't doing anything to fix the situation. They said the called me, which not true at all and when I call the escalation number they sent, nobody every answers and nobody calls me back. 

I need someone to help me, I can't affort to throw away {$1300.00} because this company is bad at math.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within XXXX  days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 want this late payment deleted from my account within XXXX XXXX, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-18
Company: EQUIFAX, INC.
State: KS
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 have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX  : # XXXX XXXX XXXX XXXX : # XXXX XXXX : # XXXX XXXX  : # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 ; States a consumer reporting agency can not furnish an 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 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 2023-02-06
Company: EQUIFAX, INC.
State: LA
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:
see attached!! I've previously submitted a CFPB complaint on the credit reporting agency for reporting fraudulent transactions on my credit report although I've attached a copy of Identity Theft Report. These items need to be removed from my credit profile promptly!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
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:
and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
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: Personal information incorrect

Complaint:
I HATE TO BOTHER CFPB BUT AFTER SEVERAL FAILED ATTEMPTS THIS INCORRECT PERSONAL INFORMATION NEEDS TO BE REMOVED FROM MY CREDIT FILE. 

ALL FORMER NAMES ARE INCORRECT. MY NAME IS XXXX XXXX XXXX ; EXACTLY AS IT APPEARS ON MY DRIVERS LIC. ALL OTHER VARIATIONS NEED TO BE REMOVED. ALL OTHER PREVIOUS NAMES NEED TO BE REMOVED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Carvana Group, LLC
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We purchased a used XXXX XXXXXXXX XXXX from Carvana ( VIN # XXXX ) on XXXX for {$16000.00}. We secured our own outside financing for the loan and made a {$1000.00} down payment to Carvana. Fifteen minutes after purchasing the car we had a mechanic inspect it and the entire undercarriage of the car was rusted and would likely fall apart within the next 1 to 2 years so we immediately returned the car on XXXX. Carvana says it can take 3 to 5 days for us to get our refund. Carvana cashed our {$1000.00} down payment check on XXXX. Carvana relisted the XXXX  XXXX XXXX on their website for sale on XXXX and there is a new purchase in progress for the car on XXXX from another consumer. As of now on XXXX Carvana still has not refunded our {$1000.00} down payment and they have not refunded the rest of the {$15000.00} loan to our bank ( XXXX XXXX XXXX XXXX ) so that they can close out the car loan. Why are businesses like Carvana able to turn around and sell a lemon vehicle to another unsuspecting consumer before they have refunded the previous consumer?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-09
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had an account with US Bank branch in XXXX XXXX, CA that was closed on me in XXXX because I got a bad check from someone. 

This was literally the first time this happened in 10 plus years. It wasn't my check either so how am I to know. 

Please help me recover my accoynts and restore them.

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 2023-03-06
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Please note that I am the author of this complaint and all attachments. 

The credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX  automated responses. No real investigation was conducted after my initial dispute.

The furnishers are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. 

After my dispute of the accuracy of these accounts, the furnishers falsely verified the reporting to be accurate and complete instead of deleting the account from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n

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 2023-04-24
Company: EQUIFAX, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C. 1681 section 2 : It states that a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CrossCountry Mortgage LLC
State: IL
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, this creditor ( XXXXXXXX XXXX XXXXXXXX ) has violated my rights under 15 USC 1681 section 602 states, I have the right to privacy, 15 USC 1681 section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
On XX/XX/2023 I went to the Wells Fargo branch location at XXXX XXXX XXXX XXXX. XXXX, NC to deposit my payroll check. I utilized the drive through teller window to deposit my payroll check in the amount of {$870.00} On my deposit slip, I instructed the teller to deposit the full amount of the check into my Savings Account # XXXX, with {$200.00} of the check amount issued to me in cash as a withdrawal. The teller provided me with 10 bills worth {$20.00} each. Later, I received a notification that my check had been returned as unpaid due to a tear at the bottom of the check where the account and routing numbers are located. Due to this returned check, my account was debited {$870.00}. However, my account should have only been debited that entire amount if I had actually withdrawn the entire amount of the check in cash. I did not. My balance should have been brought down to {$340.00} since my account was at {$530.00} at the time of the deposit and I only withdrew {$200.00} of the returned check amount in cash. Instead, I have been told that my account has a negative balance because Wells Fargo claims that they issued me the entire check amount of {$870.00} as a cash withdrawal. 

Wells Fargo has performed an initial investigation of this matter under claim number XXXX and determined that they do not owe me any money because I received a new check from my employer for the returned check amount. However, Wells Fargo has incorrectly claimed that I withdrew the full check amount in cash on that day and now claims that I owe them that amount. That is false. I only withdrew {$200.00} of the {$870.00} check and attempted to deposit the remainder. Wells Fargo has claimed that there is no video footage of this matter and that I withdrew the entire amount of the check in cash. I respectfully do not believe that to be the case. I request that this matter be reviewed. You will find that the teller never handed me {$870.00}. She only provided me with {$200.00}. I am simply asking for my account to be properly debited for the actual withdrawal that I made of {$200.00} which would bring my account balance to {$340.00}, which accurately represents the {$200.00} debit from the original amount of {$540.00}. The deposit slip presented to the teller that day confirmed that the full check was deposited to the bank, except for {$200.00} that was provided to me as a cash withdrawal. Thank you for looking into this matter.

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 2023-02-16
Company: Remitly, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Problem with customer service

Complaint:
Last Monday, XX/XX/XXXX at around XXXXXXXX XXXX, I received unsolicited multiple text messages from Remitly stating that " We were unable to process your transfer to XXXX XXXX we need additional information from you. Log in to your Remitly account for details. 

Remitly knows that my account is already closed! because it was REMITLY themselves who closed this account because of unrecognized transactions that were made without my knowledge! I HAVE NO INTENTION OR INTEREST TO SEND ANY MONEY TO ANY PERSON I KNOW OF! 

I REPEAT, I NEED MY MONEY BACK WORTH {$9900.00} THAT ARE IN REMITLY ACCOUNT FOR TWO ( 2 ) MONTHS NOW!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-15
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
1. Due to inept reporting by XXXX in XXXX, I have already used my free report access so I have to pay to see potential impact from Equifax 's bungle. 
2. All companies indicate a delay due to volume in freezing the my info. and inform me there will be a delay in lifting the freeze, effectively putting me at the back of the line for any transaction that requires access to my credit, such as renting an apartment. In short, they do n't have the capacity to protect the information they collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
I had contacted XXXX, XXXX and Experian to remove inaccurate addresses as well as other inaccurate information such as closed accounts or creditors that i did not have. Experian has not and will not remove inaccurate information from credit report after multiple calls regarding this matter. Now things are being reported to XXXX, XXXX and Experian neglect their duties and trampling my rights under FCRA. I've been a victim of identity fraud multiple times and it has been documented with all three bureaus. I truly need your assistance in this matter. thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a personal credit card with Capital One. I paid my bill in full a few hours late in XXXX, and Capital One is now telling me that I have to pay interest not only for XXXX, but for the following three months -- even if I pay my bill on time. They say that after one late payment, they will continue to charge interest until I have three consecutive months of on-time payments. This will result in me paying {$60.00} or more in interest for a late payment of just a few hours. It's not even clear to me how the interest in the next months I pay on time would even be calculated, since I always pay my bill in full. I contacted customer support and they could not explain that to me. They just said it would continue to be charged until I have three consecutive months of on-time payments. I asked if they could waive it and they said no. This is a completely unfair and predatory practice. 

The details of my payments and the charges are as follows : I paid my bill hours late in XXXX ( the bill was due on the XXXX, and I authorized payment at XXXX XXXX on the XXXX ). I paid my XXXX XXXX in full, as I do every month. On XX/XX/XXXX, I was charged {$20.00} in interest. In XXXX, I paid my bill on time and in full ( the bill was due on the XXXX, I authorized payment on the XXXX to be made on the due date ). I was charged {$11.00} in interest on XX/XX/XXXX. I contacted customer support late on the XXXX and was told I would keep being charged interest until I had three consecutive months of on-time payments. I could not get any explanation about how this interest is calculated or whether I could do anything not to incur it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
This company contacts me every day. Today on a Sunday they contacted me at XXXX, and every other day this week for about a few months. I asked them numerous times to please stop calling and mail me a letter to the address they have on file with information. This company is portfoliorecovery. They call from numerous different numbers, but majority of them starting with XXXX ( XXXX ) XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31
Company: EQUIFAX, INC.
State: AL
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 WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY  CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XXXX of 2022, my account was frozen over a fraudulent deposit that wasnt fraudulent with Wells Fargo. I havent had anyone reach out to me about the settlement nor have I been able to reach any one about the settlement. Please advise me on how to proceed. I was informed to file a claim with CFBP if I havent heard anything.

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 2023-01-28
Company: QUALITY ACCEPTANCE LLC
State: NV
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I called requested validation of debt letter, providing car sale and transaction information. Company refused to provide information that's being asked. Reporting false information and failure to provide debt disclosed and reason for amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Credit Corp Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
privacy and confidentiality under 15 USC 1681. 
Account name : # XXXX, 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 2023-02-02
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following 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 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