BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I appreciate your assistance in REMOVING a piece of the info in my credit file that resulted from FRAUD, but I still have ITEMS passed on that should be removed or blocked. According to FCRA section 605, you must destroy any records found on an ID THEFT REPORT. I remembered this report from a previous letter and am including it again. I've informed my lawyer of my intentions, and they are eager to hold you accountable for your tenacious rebelliousness. 
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 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 2021-01-08
Company: AmeriHome Mortgage Company, LLC
State: TN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Dear sir/madam, XX/XX/2021 We are seeking your assistance in resolving our mortgage account. 

XXXX XXXX  account # XXXX AmeriHome Mortgage account # XXXX We have had numerous conversations with the current and previous servicer of our mortgage account with absolutely NO success in getting them to correct our account. 
The original loan was closed with XXXX XXXX XXXX  on XXXX. We borrowed {$340000.00} for 30 years at 2.375 %. At closing we prepaid interest so our first payment was not due until XXXX. 
On XXXX, XXXX XXXX XXXX  sent us a goodbye letter stating the assigning the servicing rights to AmeriHome Mortgage Company , LLC. In this letter, they advised us the first payment was to be made on XXXX to them. 
On XXXX, we mailed a payment of {$1800.00} ( {$1300.00} P & I, {$220.00} for XXXX XXXX XXXX and an additional {$250.00} towards principal ) to XXXX XXXX XXXX. 
Just after mailing this payment we received a welcome letter from AmeriHome Mortgage ( although this letter was dated XXXX we did not receive until after the payment was sent to XXXX XXXX ). This letter states the XXXX payment was to be sent to them ( we assumed XXXX would forward our payment, if necessary ). 
Now we are getting dunning notices, threats and calls from AmeriHome Mortgage for the XXXX payment. 
We called XXXX XXXX  and asked about the XXXX payment they claim that it is theirs and that they forwarded the additional principal payment. ( What about the T & I amount? ) So, we now have XXXX XXXX claiming the XXXX payment and AmeriHome dunning us for the XXXX payment. 
We have had numerous contacts with both mortgage companies with NO SUCCESS in resolving this issue. 
We are now seeking your assistance in getting a full accounting of our mortgage ( including the escrow account ). Also, we are asking that all derogatory credit reporting be rectified and any late fees be waived. 
Prior to this situation we had excellent credit ( 800+ credit score ) and have always set up auto-payment arrangements for recurring accounts. 
Please help us rectify this mortgage mess. 

PS : our XXXX payment was mailed to AmeriHome Mortgage on XXXX in the amount of {$1800.00} ( again, {$1300.00} XXXX XXXX XXXX, {$220.00} foXXXX XXXX XXXX XXXX  and an additional {$250.00} towards principal ) Thank you in advance for any assistance you can render. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX I am writing to formally request the deletion of certain negative account from my consumer report, which has been reported by XXXX XXXX XXXX XXXX ( account # XXXX ) without my explicit consent to your agency, which fall under non-affiliated third parties. I have also noticed inaccuracies in the reporting of a charge off regarding this account. According to the FCRA, credit reporting agencies are responsible for maintaining accurate and up-to-date information. These entries violate the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically : 15 USC 1681a ( 2 ) ( a ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 15 USC 6802 - Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 
( b ) Opt out ( XXXX ) In XXXX XXXX XXXX XXXX not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

15 USC 1681 Section 604 A Section 2 - A consumer reporting agency can not furnish an account without my written consent.

15 USC 1666b - A creditor may not treat any 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 explanation
Consumer complaint received 2018-08-02
Company: AES/PHEAA
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
This complaint isn't about the company per se XXXX XXXX. The complaint I have is that I currently owe approximately 50K in student loans. I have been trying to pay what I can, but am struggling to make those payments in addition to my other obligations. When I went to college, I had to pay full tuition. Now, in NYS they have free tuition options to state schools which is where the vast majority of my student loans came from. I think that it is unfair that I have to pay back the loans that were accrued when I was attending 2 state schools, XXXX XXXX and XXXX XXXX XXXX XXXX College. I realize that when I attended XXXX XXXX College and XXXX University online those would not have been in that category. I just find it unfair and disheartening that I am unable to make any dent whatsoever in the loans and hoped at least the loans accrued while attending a state school could be forgiven. I wrote to the company to try to get contact information for someone I could speak with about it and wrote to some people in the NYS Dept of Education, but have not heard a response. I am just looking for help and assistance and hoped that being a XXXX  XXXX XXXX, maybe I could get some help. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: PA
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 recently received a copy of my consumers reports and I noticed inaccurate accounts reporting on my consumer report. this company is in clear violation of the law. Pursuant 15 USC1681B 1. XXXX XXXX XXXX {$690.00}

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 non-monetary relief
Consumer complaint received 2023-06-08
Company: Experian Information Solutions Inc.
State: OK
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 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 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 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 2022-04-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
In XXXX of 2022 I disputed a account collection account by the name of XXXX XXXX XXXX. It says the original creditor was XXXX. This collection was deleted now it has reappeared in XXXX with a different collection account name 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 explanation
Consumer complaint received 2021-07-14
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:
XXXX equifax & XXXX XXXX all report an unverified delinquent account ( XXXX XXXX XXXX charge off ) to my credit profile. i have filled mail in disputes with all three bureaus as of XX/XX/2021. i have also mailed demand to comply letters. still no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-27
Company: ALLY FINANCIAL INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX XXXX  I found three purchases made by my Ally Bank debit card that I did not make. I immediately called the bank and filed a dispute. Two of the three disputes were resolved in my favor. They are trying to say that I did make a purchase at XXXX XXXX XXXX for the amount of {$300.00}. Which I did not. I refiled on that dispute with Ally Bank. When I filed the first three disputes, I was told I would receive forms to complete which I neve did. When they decided that I owed the amount I refiled the dispute and have been told I would receive forms. Which I haven't as of yet. From the time of the bogus purchases, I have initiated phone calls with my bank at least 10 times. They refuse to have someone from the legal department contact me. I get a different person every time and get different answers. I was also today XXXX  able to talk to the store where the purchase was made. The asst manger was only able to answer that they had received no inquiry from my bank.

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 2021-02-16
Company: FISERV INC.
State: CA
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Unexpected or other fees

Complaint:
Unauthorized transactions were posted to my account between XX/XX/XXXX and XX/XX/XXXX, in the amount of $ XXXX. I never received a card which allows access to this account. Provided you cant know what you dont know, I did not know there were unauthorized transactions on my account, when I became aware I immediately contacted institution regarding the transactions. Money Network alleges I set the PIN, I reiterated I never received the card. 
I am reaching out because the company claims my statement of facts is inconsistent and conflicting, I feel this is vague and complete lie, and also an attempt to shift burden of proof on the individual. My account of events has been consistent and I do not enjoy the tap dancing occurring around my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Coinbase, Inc.
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Coinbase of XXXX XXXX has frozen my available cash. I can not withdraw available cash to deposit in my bank account. They are holding my money against my will. It has been over 10 days and I have received emails from showing my funds are available but they have them locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 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 2022-10-12
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
after multiple phone calls with Experian customer service. they are still refusing to remove a closed accountant reporting a balance that's not mine. it's just so surprising how this third part companies can get away with reporting false inaccurate information on consumer profiles. and send fraudulent items back as verified. Experian will not remove a XXXX XXXX XXXX after a phone called i have prior to XXXX XXXX XXXX and verifying that this information has been updated with the credit bureaus. XXXX and XXXX did remove XXXX this account that do not belong to me. Experian is also refusing to remove a personal statement that i submitted on my credit profile as well. Experian disregard for federal laws and rights of consumers. Is unethical and illegal on so many different levels. and making profits of consumer my reporting false and negative information. you would think that accountant that's not yours would be easy to remove especially. when it's been updated by the original creditor. and the other two bureaus. i will be filing a federal complaint against this financial institute. and will be seeking damages for emotional distress. violations under the fair credit act as well. from my rights being violated.

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 2018-08-02
Company: Action Rent To Own
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contract was cancelled I never agreed to pay a third party aka collection agencies I had insurance on my items which I reported to original company was destroyed and in some one else 's possession I could not be around court ordered. My damage waiver should have covered damaged items. I couldn't return also owner of store said she sold contract out of her hands which is a breach in the contract it is backed by a bank so it should have been charged off as loss or covered by insurance. I have no contract with collection agency who just told me over the phone today they have given the account to there attorney but the original creditor states they no longer have anything to do with my account also the prices and the way the reporting on my account Is wrong I had one account with XXXX XXXX XXXX XXXX but the collection agency reports it as two and they only have one contract that doesn't say I have to pay them and I was willing to so I can fix my credit report but they refused to remove account only report them as XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Account information is incorrect they put one hard inquiry on report as XX/XX/XXXX just appeared I have not applied for any products at this time and this appears on my trans union credits 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 2023-05-23
Company: Garrison Investment Group
State: VA
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:
I am disputing information on my credit report stating I have missed a payment to FOUNDATION FINANCE CO reported on XXXX XXXX XXXX. The information listed above is not information related to any transaction by me. Please provide identification of such information is shown as late. Please remove late payment off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: American Financial Network Inc.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hi we were pressured into a mortgage we can not afford. When we started the conversation with American Financial Network we had gotten a letter stating we didn't have to pay mortgage insurance anymore and could refinance because we had insurance long enough. I thought I had heard something like that so we talked to XXXX XXXX. He told us he could save us a bunch of money and pay off some things. As the process went on he took more things off the table he had promised. Every time I questioned or changed my mind XXXX XXXX talked us out of it. In the end only a few things were paid off and the mortgage payment was approximately {$500.00} more. My husband and I are XXXX and XXXX. I feel we were taken advantage of and the loan should never have been approved. We gross {$5100.00} from social security. Our expenses without food or car gas are {$3300.00} and the new mortgage is {$2000.00}. The first payment was last month we paid it on the XXXX. The month of XXXX is due and we don't have the money because last we started {$2000.00} in the hole. American Financial Network sold the loan before the first payment was made. Also there was a lien on our house and they said it was a balloon payment coming due and needed to be paid. We have since found out this wasn't true. This all started approximately XX/XX/2023. We did know how to cancel because it had gone so far. We contacted an attorney and are following their recommendations. Will be contacting the XXXX XXXX XXXX  next. We some how would like a lower payment. This loan should never of been approved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: Allgate Financial, LLC
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Paid off this debt in full to JH Portfolio Debt Equity in the amount of {$490.00}. The agreement was to remove item from credit report if I paid off the debt. The original holder of the account was XXXX XXXX XXXX XXXX XXXX. The phone # is XXXX. 
I've tried to call several times with no luck. The account is on XXXX  as unpaid debt, but was removed from XXXX XXXX and XXXX. I also tried calling JH Portfolio, but they went out of business. I researched that company only to find that it was complained on several times through XXXX. Apparently now a company call Consumer has the account. I researched, but apparently that company doesn't exist, This is a really old account opened back in XXXX and paid off in XXXX. Please help with the removal of this account if all possible ... Thank You!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation