BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-16
Company: AG AH LLC
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At the beginning of XXXX our mortgage payment with Arc Home LLC increased due to an increase in property taxes and homeowners insurance. We were not made aware of the increase, so we continued to pay the normal amount of our mortgage payment. When XXXX received our payment for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX since it wasn't the correct amount for the total mortgage payment they only applied it to the principal and issued our account late fees and stated that we did not pay our mortgage payments for those months. But again, we were never actually notified by this. We only found this out when my husband actually logged on to the website for an unknown reason and realized that they hadn't accepted our payments. We then made the updated payments and made extra payments and late fees. We thought we had completed this process until the XX/XX/XXXX. My husband called since the payment once again wasn't applied correctly and they were to reverse the late fees we had paid and put the extra money we had paid into a holding account to be put towards our XX/XX/XXXX payment. We went ahead to pay the XX/XX/XXXX payment to make sure it was correct, but again this money was only applied towards principal and done incorrectly. They are not doing what is asked and we are not going to keep calling each day. I don't want mine and my husbands credit ruined due to this issue and we shouldn't have to keep calling to get this straightened out. I feel like they are trying to take advantage of higher interest payments and have us pay interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
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:
Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments and I am writing to request 3 BUREAUS the method of verification for disputes In accordance with FCRA, I am requesting this information to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 
XXXX XXXX XXXX ; XXXX XXXX ; XX/XX/XXXX ; XXXX XXXX XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ;

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 2023-08-04
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX and XXXX  XXXX XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as lateforanypurpose

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 2023-01-02
Company: LendingPoint Holdings LLC
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:
According to my most recent credit report, your company is currently reporting to the credit bureaus nonpublic personal information. In accordance with 15 U.S.C 6802, a financial institution may not disclose nonpublic personal information unless the financial institution clearly and conspicuously discloses to a consumer in writing or electronic form that such information may be disclosed to a third party organization. Further, the consumer must be given the opportunity before that information is disclosed, to direct that this information may be disclosed or exercise the nondisclosure agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: EQUIFAX, INC.
State: SC
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: Problem with personal statement of dispute

Complaint:
Have put in dispute with all XXXX of the credit bureaus about these hard inquiries that I have don't have any knowledge about and the XXXX credit bureaus still are refusing to remove these Hard inquiries off of my credits report even after explaining that I was a victim of fraudulent activity.I submitted a copy of my Identity Theft Report showing the alerts.They still are saying that it is being verified as accurate.How is that so I know nothing about these inquiries and demand they be removed from my credit report under the15Usc-1681 Consumer Reporting Act the information must be proven an accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX  XX/XX/2023

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 2021-04-19
Company: Harris & Harris, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep receiving robocalls from this number : XXXX XXXX XXXX XXXX. It is Harris & Harris, a debt collection company. I called this company two months ago and told them I owed nothing and they had the wrong phone number. Harris & Harris said that it didn't show that I owed anything and that it would make sure that the calls would stop. I continue to receive robocalls from the above phone number. I don't know what to do. I think this is a scam caller and may not even be Harris & Harris.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10
Company: EQUIFAX, INC.
State: TX
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 disputed the referenced accounts to the 3 main credit bureaus and do not owe your company anything. I dont know this company and I do not recall ever having this debt and appears to be fraud, see attached FTC Report. Moreover, no adequate information has been given and noticed these accounts appear to violate my rights as well, per 15 USC 1692 ( e ) ( f ) ( g ). Moreover, you stated the account was verified as accurate by law 15 USC 1681 ( e ). Per 15 USC 1681 ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. Investigations weren't completed as described by law and no factual information should be on credit reports. Im requesting removal of accounts and/or monetary compensation due to violations of my rights. Im currently seeking litigation regarding consistent harassment, unfair debt practices, adding without my permission/authorization within 5 days and more. As the original creditor, only I can validate the debt therefore Im requesting removal and this account violates my consumer rights in several ways. Please remove and provide some updates within 4 days of receipt, as this has been ongoing for over 3-4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
So I had my XXXX balance transfered to my venmo account, I'd done it before no problem. I have my XXXX XXXX  linked to my venmo debit card, so when I make a payment they withdrawl it from my link card if there's no balance on my account. We'll I had tried to make a purchase on my XXXX  and it said it was declined, I knew I had money in my venmo account so I tried it again, declined again. Irritated I went on the venmo app to try and figure out the problem. My trouble shooting kept taking to the same reason, that my account m ay be frozen. I contacted venmo and sure enough my account had been frozen. I asked why, they told me that they had sent me an email and that I needed to resolve the issue via email. I waited and waited and never got an email so I contacted venmo again. I told them that my account had been frozen and I need to resovel whatever issue to have my account un froze. That I never got an email telling me about my frozen account and or how I could remedy the issue. The person I spoke to was helpful she had me verified some stuff and was able to resend the email the they had supposedly sent again. I verified my identity and was told I would be contacted in a few days. So I waited, I finials got an email from them with stated that I had violated there user agreement and that my account would be deactivated and that the money on my account would be held for up to 180 day should they decide to return my money. Wait, what? Should they decide to return my money, it's my freaking money, XXXX? I asked them why their decision was to deactivat my account, what had i done? The gave me no reason. That was not acceptable, so I contacted them a couple more times once to ask them to expedite the release of my funds and another to speak to the mgr or whoever I needed to speak to get my $ released. They said they could not release my $ and I was to refer to the refund and charge back section of there user agreement. Idk, but they stole my money and there's nothing I can do about it is basically what there telling. That's messed up!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Lawson Hamilton & Associates
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, LAWSON HAMILTON AND ASSO, shows I owe a XXXX  agency {$670.00}. I remember this visit, from years ago, and I paid out of pocket in full. It was a terrible experience and XXXX never forget the visit. Since then, the actual company is out of business. The company name was " XXXX XXXX XXXX XXXX XXXX XXXX ''. I paid everything that day and owe them nothing. 

So when I saw this on my credit, on XX/XX/2022 I called Lawson Hamiliton and asked for some sort of detailed billing. Maybe I'm wrong and do owe it, I'm human. But I'm pretty sure I don't own the out of business a penny. They told me they don't have anything to show me. Nothing to validate this is real. 

So I decided to dispute it. I called up XXXX  and spoke to someone who put the dispute in for me. I told him in detail about this charge. I asked for some sort of proof, validatiaon, nothing. Well nothing changed. I feel this is a violation of the Fair Credit Reporting Act ( FCRA )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
On XX/XX/XXXX, I called to make my monthly payment to XXXX XXXX XXXX  for my XXXX XXXX   account which was due on XX/XX/XXXX. I had missed a payment in XXXX due to XXXX however I was prepared to offer a blanket payment to catch up. The gentleman on the phone offered me a pandemic deferral on my account as I was suffering financial hardship. We agreed to the deferral, he refunded my XXXX late fee and told me that they would report my accounts as current/paid as agreed and I could make payments when I could. The deferral period would end on XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX listed my account in XXXX and XXXX as thirty days late and closed my accounts for non payment. I didn't notice this until XX/XX/XXXX when I reached out to XXXX XXXX, paid my past due ( even though I was in deferral ) and waited. On XX/XX/XXXX, I was marked late again by XXXX XXXX even though I was in deferral and had made a payment. Effectively ruining my credit, through a program they offered. I spoke to a two young ladies who verbally agreed that what I was saying was correct, but that they could only dispute with the credit reporting agency and to see if there was any discrepancies on their side, which there wont be as XXXX XXXX is reporting the wrong information to the credit bureaus.

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 2016-02-14
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Rewards

Complaint:
In XX/XX/XXXX, I was mailed a promotional offer to receive XXXX Delta Skymiles for opening an account and spending {$3000.00} over 3 months. I applied for the account, was approved and they sent credit cards. After thee months I completed the requirements for the miles. After not hearing anything for an additional month, I contacted customer service on XX/XX/XXXX. The customer service agent apologize and said he would personally credit the points. He took my cell phone number and said he would call in XXXX to XXXX days to confirm the miles were added. After hearing nothing I called again on XX/XX/XXXX. After a lengthy hold, the agent said that because I had previously had an American Express card, I was not eligible for the promotion ... but because they promised the prior week, she would issue the mileage credit. After another week of not receiving the points, I called today ( XX/XX/XXXX ). The agent I spoke to could find no record of the conversations and said I was not eligible because I had a prior Amex Card. I spoke with a supervisor and they agreed nothing could be done, but issued a XXXX point bonus after I asked to cancel the card. In summary 1. Amex sent me a credit card offer. 2. They approved my application and issued the cards XX/XX/XXXX. 3. I have spent over {$15000.00} on the card 4. Until XXXX/XXXX/XXXX, they never indicated I was not eligible for the miles. If they knew I was not eligible, they never should have issued the card - or at least let me know up front. I have spent a bunch of money on their card with no reward. They should be required to be more honest and upfront with customers. No individual can solve this, but it sure looks like a class action lawsuit waiting to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: CrossCountry Mortgage LLC
State: WI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
CROSSCOUNTRY MTG/XXXX  is showing on my credit report that I have a late payment, but my balance is up to date could you please remove this from my credit report because it's bringing my credit score down. I do not understand why I have a late payment showing when I am currently in good standings.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
On XX/XX/XXXX, I contacted TransUnion about the following negative accounts XXXX ( Date Opened : XX/XX/XXXX, Balance : {$4100.00}, XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX ( Date Opened XX/XX/XXXX, Balance : {$7400.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$1100.00} ), XXXX XXXX ( Date Opened : ( insert date ), Balance : {$1200.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$340.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ), XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2800.00} ) Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.

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 2022-05-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi Sir/ Madam, I am a victim of Romance Scam.. When I doubt already that I am being scam I stop sending money to the guy and later on he admitted that the picture is not his pictures.. so I called the FBI and FBI agent told me to file a complaint to IC3. gov and the FBI lady told me to call your bank and they will return your money back The real name of scammer is XXXX XXXX claiming to be XXXX XXXX a police officer in PA, USA We plan to get married and buy a house a modular home.. so he said he will put money there and I put money also in the modular home so I sent money through XXXX claiming to be his uncle XXXX XXXX XXXX and Aunt XXXX XXXX actually the one for XXXX XXXX he did that transaction which is the amount of {$1900.00} through XXXX coz I trust him already coz we are about to get married the date of that transaction is XX/XX/XXXX, XXXX I filed a dispute with Citibank but they never help me to return my money back.. The other transactions are XX/XX/2020 XXXX transaction to XXXX XXXX XXXX amount {$1500.00} also XX/XX/2020 XXXX XXXX XXXX amount {$2500.00} then XX/XX/2020 XXXX XXXX XXXX also {$2500.00} and lastly XX/XX/2020 amount {$2500.00} Total of {$10000.00} for 5 XXXX transactions, Claim # is XXXX Actually they gave me a temporary credit for this 5 transactions but they reversed the transactions because when XXXX the investigator called me I am not available so I tried to call back several times I cant get hold of XXXX but somebody called me in XXXX dispute department when I answered it he doesnt want to talk I said I know it is from Citibank XXXX dispute because I add that phone to my contact list.. I keep saying Hello are you there? but he hang up the phone after he called me.. it might be XXXX from XXXX dispute an investigator but I not sure but I am pretty sure from XXXX dispute department because it showed on recents calls that from XXXX dispute department and I called Citibank again and refilled again but unfortunately they dont want to help me return my money back.. The date that I refilled the XXXX disputes was XX/XX/XXXX, XXXX but I have no luck to return my money back with the help of Citibank.

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