BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: Home Point Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a call from a Home Point Financial Representative on Monday, XX/XX/2018. The representative called to inform me that my XX/XX/2018 mortgage payment had not been received, but it still was not considered late as it was not the XXXX of the month. I quickly looked at my on-line banking and saw that it had been sent out on XX/XX/XXXX. I did not see any possible red flag on my banking register. 

After further investigation, I discovered that it was my XX/XX/2018 that had not been paid and was indeed past due. In XX/XX/2018, I INCREASED my automatic withdrawal mortgage payment to {$2000.00}, with the extra amount to be applied to my principle ; which was noted on my check memo line of payment. As a result of this change, my XXXX payment was inadvertently deleted, causing me to miss my XXXX payment. Thus Home Points representative was mistaken when she told me that my XXXX payment was not yet late because I had until the XXXX of the month. Please conduct a review of my account and the telephone call and review the servicing recording to corroborate this information. 

In addition, I recently received a refund amount of {$51.00}, notwithstanding the fact that I wanted the extra amount to be applied towards PRINCIPLE REDUCTION. It appears that Home Point is attempting to avoid my principle reduction. 

In over 20 years of having a mortgage I have NEVER missed a single payment. 
I never received any information or notification from Home Point Financial about a missed XXXX payment- until mid-XXXX, and even then, the communication was incorrect as the representative indicated XXXX was late. 
My contact information was up to date at Home Point. I  personally spoke to a representative on the phone in XX/XX/2018 to ensure all contact information was correct. Why no courtesy call or correspondence in XXXX? Home Point Financial refused to look into this matter, and simply rejected all discussion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: AMERICAN EXPRESS COMPANY
State: IN
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:
New and Updated Information Regarding Complaint # XXXX On XX/XX/22 American Express responded to my complaint and stated that they are following the law and not meet my demands. I am providing factual proof and federal law that American Express violated my consumer rights and must be held liable for their deceptive practices. They are in violation of the following federal laws and appropriate action must be taken on there end to resolve this matter. Please see the attached documents in this complaint to ensure that they are in compliance. 

Violations Committed 15 USC 1681 ( a ) ( 4 ) - accuracy and fairness of credit reporting - consumers right to privacy 15 USC 1681a ( 2 ) ( i ) consumer reports do not contain certain information 17 CFR 160.10 - limit on disclosure of nonpublic personal information to nonaffiliated third parties 15 USC 1681n - civil liability for willful noncompliance 15 USC 1681b - permissible purposes of consumer reports 15 USC 1681c - requirements relating to information contained in consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-24
Company: Berlin-Wheeler, Inc. (Kansas)
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was recently made aware that XXXX XXXX was attempting to collect a debt on a previous account. At the time of closing my account with XXXX XXXX, I was made aware from the customer service representatives that the amount was incorrectly stated that was owed. That representative at the time said she will escalate the issue and have a supervisor look into the issue and a member from management would be in contact. I did receive a call shortly after from a XXXX named XXXX, who had explained that there unfortunately was an issue within their system and the issue will be correctly rectified to the amount owed of {$210.00}, at which time you can make your final payment when you return the equipment in XXXX of the local support centers. I waited XXXX business days as XXXX explained and then brought my equipment to be returned at the local support center in XXXX XXXX, RI. At that time I was told the amount was still incorrect, but they will accept all of the equipment now. The management of the support center has also explained the amount owed was incorrect and we will get this rectified as soon as possible. The amount was never correctly rectified and I have now received a correspondence from XXXX XXXX that a debt collection company, XXXX XXXX XXXX XXXX will be contacting me in the future for the amount owed ( which is incorrect ). This is one of the many reasons I terminated my relationship with XXXX XXXX, as the customer service is unacceptable. I want to pay the correct amount of {$210.00} and have my account closed permanently and in good standing. I closed the account and terminated the service, the company did not. I am more than willing to pay the correct amount owed and do not feel this should have been handed over to a debt collection company given what has occurred. The communication within the internal teams of this organization are horrendous.

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 2020-10-01
Company: NAVY FEDERAL CREDIT UNION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
Vehicle that was under loan from Navy Federal Credit Union was a XXXX XXXX. The XXXX was involved in a no fault auto accident resulting in total loss of the vehicle. Gap insurance was purchased for the vehicle from the lender by the customer at the time of the account opening ( XX/XX/XXXX ). The open auto account should have been closed and paid in full in XXXX of XXXX by both GAP insurance and XXXX auto   insurance. Subsequently the customer discontinued payment for the account after notifying the lender/submitting disposition from insurance provider. The lender took an additional FOUR months to close the account, resulting in " unpaid '' balances totaling {$2500.00} ( four payments of {$620.00} ). The lender ( Navy Federal Credit Union ) failed to act in a timely manner to update the application of GAP insurance to the account, and made no attempts to resolve the complaint with the consumer. The customer notified the lender of the total loss in XXXX of XXXX, the account was not affected/updated until XX/XX/XXXX. This irreparable damage should be litigated. In lieu of litigation the customer is seeking for the debt to be waived and removed from the credit report as a means of satisfactory resolution. It is unlawful for this credit reporting to go on, as this debt is the fault of Navy Federal Credit Union.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Chime Financial Inc
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/2020, I deposited a {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX, a federally recognized Native American tribe. 

Chime cashed the check without any issue. 


On XX/XX/2020, I deposited my second {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. 

Chime cashed the check without any issue. 


On or about XX/XX/2020, I deposited my third {$1000.00} coronavirus relief check from the XXXX XXXX XXXX XXXX. 

Chime rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' There is nothing " unrecognized '' about the format of the check. 

It is the same exact type of check I have deposited to Chime two separate times. 

I then received my fourth coronavirus relief payment from the tribe and attempted to deposit it on XX/XX/XXXX. 

Chime, once again, rejected the check and said, " We've reviewed your check deposit and, unfortunately, we were unable to verify your check, and therefore unable to proceed with depositing it. Verification failure typically occurs when the check appears in an unrecognized format. '' Once again, there is nothing " unrecognized '' about the format of the check. It is literally the exact same, apart from the check number, as every other check I have received from the tribe. 

I have attempted to reach out to support about this multiple times, both via chat, phone, and email, and have not once received anything resembling an attempt at a resolution. 

They are unable to tell me what was " unrecognizable '' about the check, and even when speaking with a supervisor, they just tell me their " check department '' says the check is " unrecognized ''. 

This is vague and unhelpful, and because Chime has registered an attempt to cash the check with the associated check numbers, XXXX XXXX, another financial institution, is " unwilling to accept the risk of cashing the check due to the appearance that another institution ( Chime ) may have already cashed it. '' I am pretty sure this issue boils down to something stupid like Chime 's " check department '' misreading the check number and/or thinking these are duplicate checks. 


I was able to deposit the check from XX/XX/XXXX into my mom 's bank account ( with XXXX XXXX XXXX  ) as a one-time courtesy, but they are not letting me endorse the check from XX/XX/XXXX over to her, and I am unable to open a bank account with another institution at this time. 

Essentially, though, Chime has made it impossible for me to obtain the money on this latest check, and as these are coronavirus relief checks I am UNABLE to have them reissued.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I am writing to file a formal complaint against XXXX XXXX XXXX, which has failed to provide verification for a debt they claim I owe. In accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I had sent a letter to the said creditor on XX/XX/2023, requesting verification of this alleged debt. 
Despite ample time being given, XXXX XXXX XXXX has been unable to provide any proof or verification of this debt. However, this unverified debt continues to reflect negatively on my credit reports, which is causing significant financial and personal distress. 
I have also disputed this debt with XXXX, providing them with all the necessary documentation to demonstrate that XXXX XXXX XXXX has failed to verify this debt. 
I kindly request your assistance in this matter. My objective is to ensure that this unverified debt is removed from my credit reports, as required by law when a debt can not be adequately verified. Enclosed are copies of the letter I had sent to the creditor, their response ( or lack thereof ), and any other supporting documents.

Under Section 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692g ), I am formally disputing this debt and requesting validation. Please note that this is not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. 
Furthermore, under Section 611 ( Procedure in case of disputed accuracy ) of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681i ), I am also disputing the accuracy of this information with the credit reporting agencies. If you can not verify this debt or correct the information, the FCRA requires that it be deleted 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 non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: IN
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:
This complaint is about the credit card company named XXXX XXXX XXXX. It is a XXXX card associated with XXXX. I pd the balance off in XXXX. I filed XXXX XXXX bankruptcy a month later but not on this account. After I checked my credit report some months later, I found out that they closed this account and stated on my credit report that the status was closed on the account because of XXXX  XXXX bankruptcy. When I called the company to find out why they did this, they said it was their policy to list it on the report even though I DID NOT file it with their company. They refused to change the status and when I disputed it with the credit bureaus, they still have not changed this. I am still in a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: Adler Wallach & Associates, 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: Account information incorrect

Complaint:
On the following dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I contacted XXXX  Credit Reporting Agency. Spoke to multiple representatives, named XXXX, etc, she stated she is USA Impact team, some of them were in Specialized Team. 

On XX/XX/XXXX, I was transferred to multiple operators, from XXXX XXXX, to US call center reps, I spoke to rep name XXXX today she took all my information and then told me shes working from home and has to attend to her barking dog! Ultimately she hung up on me. I have been notified by my Lawyers that the information on my credit file is incorrect, balances and third party collectors are collecting illegally. 

However, upon contacting XXXX  I am just given a run around, such a unethical behavior and unprofessional service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have an Flexible Spending Account for childcare expenses through my employer, that is managed by Bank of America. On XX/XX/XXXX I utilized all XXXX funds in the account in the amount of {$310.00}, prepaying childcare into XXXX because I could not find any documentation on the date when XXXX funds needed to be utilized. 

Bank of America denied my claim for funds in the XXXX multiple times, even after being provided with receipts from XXXX XXXX ASEP Program ( After School Education Program ), which is an eligible dependent care service. Bank of America XXXX claimed that it was not clear that the program was for XXXX and that a note I had entered on the payment noting " XXXX XXXX out '' made it ineligible for payment ( the note was manually entered for my record keeping in the XXXX XXXX, and was not part of the receipt information ). 

This is laughable, as I have used my FSA funds for this dependent care service since XXXX of XXXX, and Bank of America has paid XXXX claims to XXXX for XXXX based on the receipt generated with each payment, prior to the denial of the XX/XX/XXXX payment. It took three denials and an additional receipt from the teacher at the school to get them to cover the claim with my XXXX funds. 

My most recent payment on XX/XX/XXXX for dependent care in the amount of {$140.00} to XXXX has similarly been denied, with the claim there were no dates of service on the receipt XXXX dates of service don't auto-generate on the receipt, especially as we must pre-pay for service and there can be weeks with pro-rated amounts carried over ). I then supplied a receipt with the dates of service and the claim was again denied by Bank of America on the grounds that there is no evidence that the payment is to a dependent care provider. They have refused to acknowledge that XXXX is an acronym for " After School Educational Program '', despite the fact that the care is through a public school and that they are an eligible provider of dependent care services. I am frustrated with making multiple calls and providing multiple receipts to access my own funds in my XXXX account. I believe they are hoping to retain the funds by making them impossible to use for their intended purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: EQUIFAX, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: FL
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 XXXX Account # 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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 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 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 2020-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I wish to file this complaint not only with the CFPB about my issue with this dispute ; BUT also about how my issue has been handled. I have reached out to Transunion at least 15 times and they still have yet to understand the issue. I can tell you that my situation has not been taken seriously. I have been hung up on ; yelled at ; argued with and had my issue completely disregarded in a manner that has not just been condescending ; but just hurtful. I have explained to Transunion that this is my LIFE ; my situation. I clearly understand my rights ; however Transunion does not. I have uploaded documents into this portal ; overnighted them twice which cost money JUST to have Transunion tell me that " we have a retention process ''. Here is this situation again. 

I have a Chapter XXXX on my credit file. I have had it for 5 years ; it was dismissed shortly after filing because I noticed a ton of errors in the bankruptcy. I had it opened back up in court and FINALLY had the courts remove it from my file because it was wrong. I spoke with the furnisher ( XXXX ) and they have deleted it from my file with them ; as well as the court records. I have sent this information over to Transunion several times ; and uploaded through this portal as well JUST to make sure they have the 80+ page to add it to my credit file. I have called ; one rep told me she could see the docs, and another rep told me that she couldn't see the docs ; then ANOTHER rep told me she could see it and FINALLY the last rep told me he couldn't see them. I let him know that the docs were uploaded the first time to this portal ; they told me they didnt have them ; but they emailed me and told me they received them and they were investigating my dispute. After we went through this long conversation ; I was told that even if they received the docs ; it would be up to them to delete the bankruptcy. I told them that didnt make sense ; bc is the furnisher is no longer reporting this derogatory account that they credit reporting agency is supposed to remove it. He patronized me for about 20 minutes. This is my life. I have spent countless hours and LOTS of money fighting this bankruptcy. Please do the investigation properly. Or I will have no other choice to seek legal council and proceed with litigation against Transunion ; bc the other bureaus have had no problem following my request and just proceeding with the investigation. ALL OF THE DOCUMENTS HAVE BEEN SENT OVERNIGHT XX/XX/XXXX TO ARRIVE AGAIN ON XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation