BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
None of your listed complaint boxes pertains to my issue. You should have an other box! My issue is the following : I am being denied access online to my mortgage account. I have complained about this on many occasionsbut no matter what they tell me to do to fix the problem, it does not work. Their reasons given on each time I have complained are too many to mentioned. It is as if I am being blocked from online access! I need a 2nd copy of my 1098 and even asked their C.S. to email me a copy! They said OK but I never received it. Why I can not access the Web site beats the heck out of me! I have never had this issue with any mortgage companyin the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
This is what they are telling me to do after having the card for 3 years no missed payment or anything. 

Discover Financial Services requires your consent to receive tax information from the Internal Revenue Service ( IRS ) to verify information on your account. Within 5 days, please click the 'Review Documents ' link below to provide consent via IRS Form 4506-T. Until this verification is complete, a temporary hold has been placed on your Discover card account. Your account will be closed in 14 days if you are unable to provide the requested consent. 

Please follow the steps below : Upon clicking the link, you will be prompted to enter an Access Code. The Access Code is the 5-digit zip code on file with your Discover card account, followed by the last 4 digits of your Social Security Number ( SSN ). If you use an  Employer Identification number ( EIN ) for your Discover card account, the Access Code is the entity 's 5-digit zip code on file with your Discover card account, followed by the last 4 digits of the EIN.

To complete the form, you must provide your e-signature.

If applicable, complete line item 4.

Please allow 5-7 days for Discover to receive and process the IRS documentation. Discover will contact you in writing to advise of completion of review of your account. 

For questions or if any information on your 4506-T is incorrect, please contact Discover Customer Protection Services directly at XXXX, or call the phone number on the back of your card. The team is available Monday through Friday, from XXXX-XXXX Eastern Time, and Saturday XXXX-XXXX Eastern Time.

We appreciate your prompt attention and cooperation. 


Sincerely, Discover Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
Company: Experian Information Solutions Inc.
State: NJ
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:
On several occasion I have submitted proof to Experian, XXXX  and XXXX  by forwarding them, ( ID THEFT REPORT ). Stating that the, XXXX XXXX accounts are a result stolen identity. These reporting agency have failed to provide me with any proof of how the creditor has my information. I have also forwarded them, letter corresponding to my right thru Fair Credit Act, til day there has been no efforts to remove these accounts 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 non-monetary relief
Consumer complaint received 2021-05-22
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was searching for an item on social media and I had came across the item I was looking for. I had conversations with the seller prior to sending him the money. He did all he could to make me believe him and he succeeded in doing that much. He sent me pictures of the product I wanted inside a box that wasnt closed yet and told me its ready to ship, all I needed to do was send the money so he can go send it through XXXX. On XX/XX/XXXX, I had sent him {$470.00} for the product and he asked for it to be sent through cashapp. He then waited a couple days and then deleted his social media and I never received what I was promised. The cashapp account, however, was connected to my bank account, so the funds were taken straight out of my bank account. Knowing this, a few days later I filed a dispute in hope of getting a chargeback but to no avail. They informed me that they werent successful in getting my money back. I asked cashapp prior to contacting my bank and they said all I could do is ask the guy for a refund. He declined my refund. I grabbed screenshots of our conversations to maybe prove to anyone that I was indeed scammed. The pictures have him promising to send me my product and him sending me some information of his aswell. The cashapp account that it was sent to is $ XXXX. He also gave me his phone number. XXXX ( XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
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:
I received a credit monitoring alert on my phone this morning letting me know that there was a collection account added to my credit report. This made my credit score go  down and I'm trying to maintain a high school. I noticed it was an account, XXXX via XXXX, which I've already filed a dispute in the past to have removed. My information is being sold to new companies who are reporting this fraudulent account on my report. This is not my account. I've already disputed this and I've already asked it to be removed and blocked from my account. This is my second time. Please remove this account and block from my credit report as it does not belong to me. Thank you. 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 2022-04-14
Company: Experian Information Solutions Inc.
State: TX
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 tried to remove serval accounts that are not mine. I am also having problems with my XXXX  sisters accounts posting on my reports as well.

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 2021-08-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have filed multiple disputes with Equifax regarding fraudulent inquires on my credit report. I have filed disputes in writing, by phone, and online. I have also included a copy of the FTC Identity Theft Report clearly outlining the fraudulent inquires. However Equifax refuses to remove the fraudulent inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXXXXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX  : XXXX, XXXX XXXX : XXXX, CXXXX 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 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 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 2019-08-05
Company: Santander Consumer USA Holdings Inc.
State: WI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
My mom purchased a 2018 XXXX XXXX in XX/XX/2018. In XXXX, she had a XXXX. She suffered many injuries & we do not know if she will ever drive again. She is on SSI & XXXX. I am her POA & I've been trying to make arrangements with XXXX XXXX. I have two options : a voluntary surrender with the bank auctioning off the car, or selling to a 3rd party. The dealership has offered to purchase the vehicle for {$15000.00}. When the service agreement & gap coverage is refunded, she may still owe {$4000.00}. I requested that XXXX XXXX let us sell the car back to the dealership and we will work out a payment arrangement for the balance. 

XXXX XXXX  has refused this offer and refuses to release the title to the dealership. They insist that we voluntarily surrender the car & my mom will have to pay all the fees associated with the auction. Auctions tend to get less money for a car that a buyback from the dealership. I've talked to someone in the executive office and they would not explain to me why they would release the title in an auction and not in a 3rd party sale. They are refusing to work with me to reduce my mom 's debt. Chrysler also called me at XXXX XXXX after I specifically asked them not to call before XXXX XXXX Mountain time. 

When my mom purchased the car, her loan came with a 14.5 % APR. She owes {$23000.00} for a vehicle the dealership values at {$15000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 XXXX 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 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 explanation
Consumer complaint received 2023-03-25
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-22
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My private student loans are through Navient. These loans never went to me directly at the time at XXXXXXXX XXXX. I was frequently put into default/ forbearance without asking for forbearance. I have repeatedly asked to remove the cosigner 's from my private loans and been given multiple reasons they wouldn't. They said it is not in their best interest to remove a cosigner and I still have them almost 15 years later. I was granted borrows defense on my federal loans for my schools fraudulent practices but that does nothing to assist with the private loans they received. I had three private loans for a total of {$15.00}, XXXX. I graduated in XXXX I have paid on the loans the majority of that time. Having paid already double what I had borrowed with fluctuating interest rates and incorrect payment data I still owe an additional approximately XXXX dollars in private loans. What they claim to have received in total payments is not accurate based on payment history. I was in default for more than seven consecutive months being forced to make payments to prevent wage garnishments being told inaccurate information and for some reason was not included in the navient settlement. When going through their customer service and asking why I was not included in the settlement seeing as how I met the qualifications for the settlement they stated that because I had made a payment XXXX of XXXX it disqualified me and I had no further recourse and I have continued to make payments every month since then. I believe I should have been included in that settlement due to my loan status and I believe that navient coerced me. Based on the lawsuit that was posed against navient in that settlement any loan that had been in default or forbearance for seven consecutive months at any point prior to the issuing of the settlement was included. I request that my loans be evaluated for their qualifying factors in that settlement they be discharged and my payments be refunded. I was cruelly taking advantage of by a fraudulent predatory School that is created great financial harm since attending. I filed bankruptcy in XXXX however private student loans at that time were not included because I was not disabled. Navient upheld their private loans throughout my bankruptcy and the two years since. Navient refuses to settle the private loans unless your loan is in default this costs additional interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-18
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  EXPERIAN Chapter XXXX Bankruptcy Chapter XXXX Bankruptcy Status : Discharged Discharged Date Filed/Reported:XX/XX/2018 XX/XX/2018 Reference # : XXXX XXXX Closing Date : XX/XX/2018 XX/XX/2018 Asset Amount : {$0.00} {$0.00} Court : U.S. Bankruptcy Court US BKPT CT NJ XXXX Liability : {$0.00} {$0.00} Exempt Amount : {$0.00} There is inconsistent reporting of # reference number and court. XXXX  had removed this discharged bankruptcy. Per Metro 2 5 points of Compliance " if an account is modified or deleted, carbon copies are sent to each credit reporting agency with whom the data furnisher has a reporting relationship. Courts are not a data furnisher. XXXX  is to CC the other two bureaus to remove or update and nothing has happened. It has been a Year of disputes.

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 2023-03-25
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, NY XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX, NC XXXX ; XXXX XXXX Balance : {$4600.00} ; XXXX XXXX Balance : {$520.00} XXXX XXXX XXXX Balance : {$840.00} ; XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX Balance : {$2200.00} ; XXXX XXXX Balance : {$840.00} ; XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX  Balance : {$370.00} ; XXXX XXXXXXXX Balance : {$5500.00} ; XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$270.00}.

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 2023-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 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 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