BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-10
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
A payment was made from my friend 's XXXX bank account his name is XXXX XXXX and the payment was taken out on XX/XX/2019. The payment posted. 

Amerihome sent me a letter dated XX/XX/XXXX informing me that the payment was reversed due to insufficient funds. I called the mortgage company and they said since XXXX was not an authorized user on my account they sent the payment back and did not honor it. Because the payment needs to come directly out of my account and can not be paid from someone else 's. This process was not in my loan information. 

I asked them how soon would XXXX receive his payment and they said that they would send him a check. 2 weeks go by and I called my mortgage company inquiring about the returned payment and I asked for a supervisor and she said that the payment was rejected and automatically sent back to XXXX 's account ( not true ). She also said that their company does not issue checks for returned payments. 

I also asked about how this would reflect negatively on my credit report and they said that the mistake was on my end, not theirs. 

I called back within 20 minutes and asked to speak to a supervisor and she told me that the payment was never processed due to insufficient funds ( confusing ). I told them that the money was in his account and it was taken out by the mortgage company and I had received a confirmation. 

XXXX still has not received his payment back to his account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
All 3 Credit Bureaus are reporting incorrect information for XXXX XXXX. This account has been paid in full and I was advised that this account would be removed once paid.

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 2023-04-21
Company: ADP Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Wisely Card : I got an alert at XXXX stating that my balance was {$5000.00} short of what it should be. When I looked there was a charge from some concrete place from Florida ( I live in Indiana ) that was fraudulent. I called immediately to report. This is on a wisely card that my pay goes on automatic every week. I cant get the company to do anything, I am out XXXX and they are basically acting like they wont fix it. Its clearly fraud, if you look up company online its a fake website and number. I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-25
Company: United Shore Financial Services, LLC
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 status incorrect

Complaint:
My complain is about late Mortgage Payment from United Wholesale Mortgage Company. 
It States that my daughter was late for this month. 

The XXXX XXXX  company sold the mortgage to United wholesale Mortgage. But my daughter received letter from UWM that they received the payment on XXXX XX/XX/XXXX. 

I was a co-signer for this mortgage. my daughter pays her bills. 

Info for UWM loan number- I have only the last 4. XXXX Tel # XXXX My second complain ia about the XXXX XXXX XXXX I canceled our agreement in XX/XX/XXXX and received a confirmation letter from XXXX dated XXXX XX/XX/XXXX. But I have a report on my credit report that I was late from XXXX XXXX. Which totally I don't agree Info for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca, XXXX Tel # ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 Accounts has violated my rights : __________ Account : # XXXX Account : # XXXX 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.________________ Account : # XXXX Under XXXX : __ Last Payment XXXX Open Date XXXX Closed Date XXXX_ Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Under Transunion : ___ Last Payment XXXX Open Date XXXX Closed Date XXXX Last Reported XXXX Days Late XXXX : XXXX | XXXX : XXXX | XXXX : XXXX Account : # XXXX _________ Under Transunion : ___ High Balance XXXX XXXXXXXX Open Date XXXX Last Reported XXXX Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX Under XXXX : ___ High Balance $ XXXX Open Date XXXX Last Reported XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-05
Company: OneMain Finance Corporation
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I applied for a loan after calling OneMain to attempt to pay some expenses. The person on the phone rushed me to scroll past some text and check to sign. I only discovered months later that I had incurred a {$6000.00} fee on a {$9000.00} loan, essentially a 66 % fee. This was added to the principal, which was itself at a 25 % APR. This meant that year one of the {$9000.00} loan, I would potentially pay {$9700.00} in interest and fees alone. This was incredibly unclear in the call and in the app, and even afterwards, when my father was attempting to help me understand the loan terms, the app did not make them remotely available. The website was similarly obscured and viewing billing statements does not work in XXXX mobile browser, so I had to view the billing statements on a desktop just in order to see the loan terms and the fee I'd been charged. It was presented incredibly unclearly on the bill, as some sort of refunded interest (? ) and I had to talk to another customer service rep to even understand what had happened. They too had to do research to understand the chain of events. 

The murky terms, the hasty sales presentation, the exortionate rates- these practices strongly feel both Deceptive and Abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2021-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company has violated my rights under the FCRA and the FDCPA. This company has violated my right of privacy under 15 USC 1681 a ( 4 ). This company has continued to report adverse information without my consent and this has violated my right of privacy for them to continue to report information that is private to me and this has caused me great XXXX. This company has also violated statute 15 USC 1692g and has failed to validate this debt in a timely manner as stated by law. I also included in that letter that this company must cease all communication through any medium directly or indirectly with any other company until this debt was validated and they have failed to do that. I am tired of being XXXX  as a consumer and i know my rights. I will not stand for this any longer. I have attached an invoice for every violation that has occurred and i expect to receive compensation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Credit Corp Solutions Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2023 I pulled my credit report and see an account from XXXX XXXX my credit. I sent them a certified dispute letter with a return receipt. XXXX responded back to me on XX/XX/2023 letting me know my debt been sold to Credit Corp Solutions . I then sent out a debt validation letter to in fact VALIDATE the debt not verification of the debt via certified mail with a return receipt. Credit Corp Solutions only sent verification documents and failed to send me what I requested. I feel anyone can make up billing statements I need to see my wet signature and contract with me in agreement with this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: ENOVA INTERNATIONAL, INC.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Was approved for a loan, but didn't receive the money

Complaint:
I received a call from an unknown number stating that they had a courier in my area and I would receive a delivery today that requires a signature at my residence or place of employment and to make sure I had a valid form of identification. They told me if I was not going to be available or have further questions to contact XXXX. 

Called back and was harrassed, given my personal info such as SSN, place of employment was 10years old and business nameand he told me my driver 's license would be suspended and bank privileges revoked due to a loan from XXXX I have never received a loan from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: World Omni Financial Corp.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing this letter in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX XXXX my name. The account is being reported to have a derogatory rating which is very troubling to me! Ima worried about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. Please be advised that this negative rating has caused me some serious financial distress & will continue to cause me financial and emotional distress until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: EQUIFAX, INC.
State: MD
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 have been attempting to fix my problem with Equifax for over two years. I am a victim of the Equifax data breach. They are reporting information that does not belong to me causing extreme distress and mental illness. I have attempted in numerous occasions to call and write with not results. 
I have filed an Identity theft report attached I have placed a claim for Equifax Data breach I have listed again, the account 's that do not belong to me. 
As well as asking for bankruptcy 's to be removed as this is in direct violation of 15 USC 1681 ( 4 ) - Consumers right to privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: Source Receivables Management LLC
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: Information belongs to someone else

Complaint:
Spoke with representative from XXXX advised that I needed to contact the collection agency. I called and talked to a representative who in turn gave me a fax number so I can submit the necessary documentation. I was incarcerated at the time the said account was opened as well as numerous inquiries were made at that time. I have submitted the necessary dicumentation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-17
Company: EQUIFAX, 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 i believe XXXX XXXX XXXX XXXXccount XXXX has violated my rights, 15 USC 1681 section 602a states i have the right to privacy 15 USC 1681 section 604a section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666b : a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: EQUIFAX, INC.
State: NJ
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:
The credit reporting XXXX put 2 more negative points on my credit. Last month my credit score was XXXX, I have no late payments in over two years, yet Im constantly being given negative points. From last months XXXX to this recent score of now XXXX. After my first complaint it seems my credit is now under attack. How would I ever be able to purchase anything with these constant negative scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I have XXXX which I get XXXX my first credit one was my first XXXX XXXX  card .I was young at the time didnt even know how to use one .but wasnt working and only had my XXXX check which Im still on to this year. I need forgiveness and its been a few years I feel like I deserve another chance to better be credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: Experian Information Solutions 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: Problem with personal statement of dispute

Complaint:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 2020-08-05
Company: EQUIFAX, INC.
State: CO
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 have submitted several complaints to Equifax. To date, no progress has been made but I received the attached letter dated XX/XX/2020 requesting additional information. I believe this is in reference to Equifax # XXXX. This letter asking for additional information advises to return the additional information to TWO addresses : XXXX XXXX XXXX and XXXX XXXX XXXX!!! What is the correct address to send information? Why is Equifax delaying a response to my original complaint and further confusing the issue? Equifax has an obligation to provide accurate information but clearly can't figure out its own address. Why is Equifax advising me to respond to two addresses?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Chase Bank sent a letter dated XX/XX/XXXX Reference number XXXX concerning an XXXX XXXX XXXX account requesting proof of current physical address ( bill, gov ID ) I went into a Chase Bank in XXXX XX/XX/XXXX and they faxed a copy of my Texas drivers license. He said check with them in 3 or 4 hours and they would help me out. On XX/XX/XXXX I  called and they said it would take up to 14 days to get it in the system. 
They have not denied credit just delayed the application. 
The letter has if I do not respond within 14 days they will no longer consider my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
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:
This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit report act XXXX XXXX XXXX Original creditor : XXXX XXXX Account # XXXX has violated my rights. 

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

15U.S.C 1681 section 604 A section 2 -it also states a consumer reporting agency can not furnish a account without my written instructions.

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 2023-06-21
Company: CL Holdings LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was contacted by a company called XXXX XXXX XXXX about {$340.00} debt which was transferred by XXXX XXXX. 
Creditor name is XXXX. 

I used XXXX more than 10 years. If any payment issue, it always goes to my bank and credit card company. 

It is typical fraud. 

XXXX  steal my information from my old credit report 5-10 years ago, the only one I had for collection was {$340.00} from XXXX XXXX  , which was resolved back in XXXX. Disputed from XXXX. The account was closed ( XXXX XXXX charged {$200.00} for equipment, but I already returned their equipment ).

Company response to consumer: Closed with explanation