BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: AmeriHome Mortgage Company, LLC
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: Account status incorrect

Complaint:
The lender, Amerihome Mortgage erroneously submitted a delinquent account for the period of 180 days in XXXX of which the account holder/borrower was in forbearance due to hardship of pandemics. This adversely affect my ability to apply for a new loan to purchase a home. The loan was subsequently paid off when I sold the property last XX/XX/XXXX. 

I tried to call them for assistance but is unable to get a definite answer as how they going to fix the report in the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
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:
This is a confirmation that I am disputing several fraud inquiries on my TransUnion report. I tried to get a solution in the past. I sent TransUnion a letter requesting to get those inquiries removed because they are killing my credit score, however I was ignored. 

All I am asking is a fair solution to this big issue : get the inquiries removed from my report. I have attached a document. Please send it to TransUnion. Thank you.

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 2023-01-09
Company: EQUIFAX, INC.
State: IL
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 XX/XX/XXXX, I opened a complaint with CFPB about Equifax reporting fraudulent accounts and fraudulent charges on my credit report and Equifax responded with the following information on XX/XX/XXXX : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com ''. 

I also received the dispute investigations by Equifax by mail, dated XX/XX/XXXX, which are attached, and clearly shows they did not do what they said they would do. They did remove XXXX and XXXXXXXX XXXX but did not remove XXXX XXXX XXXX and XXXX XXXX XXXX. They stated on the CFPB complaint the following about these XXXX accounts : " NON REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE ''. 

They claim that the XXXX XXXX XXXX and XXXX XXXX XXXX accounts are non reporting, but still are. So this was a lie by Equifax and both accounts are still being reported as of XX/XX/XXXX per my equifax credit report account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-08
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 # # # # # # # # # # XXXX XXXX XXXX XXXX closed account, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX # # XXXX XXXX XXXX has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX # XXXX # # XXXX XXXX XXXX. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX inquired on XX/XX/2022. has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  inquired on XX/XX/2022 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

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 2023-01-09
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On XX/XX/XXXX, I called XXXX XXXX Commenity bank to pay off account and close account and I asked for the full amount due. I paid the amount that was told to me and it should have been the end of it. I had not been late on any payments or delinquent. Then months later the company reported late charges and delinquency. I was furious as I had done my responsibility in paying this in full and had closed the account. As a result of this companys failure to keep proper records or inform me correct my credit report was inaccurate and negatively effected. I reached out to Commenity on 3 different occasions XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this corrected I was told they were fixing this and that it would take 5-10 days to close the acct and show a XXXX balance but I had previously closed the account in XXXX when I paid the balance in full. Commenity also told me they had no control over what was reported to my credit report and to contact XXXX which I have and filed a dispute. This is unfair business practice and I should not be penalized for this company inaccurate reporting. I want them to correct their error immediately and take responsibility for the mistake. I pay all of my bills on time and this is the only mark on my report since my bankruptcy and I have worked very hard to rebuild my good standing with the credit bureau.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 a victim of Identity Theft as well as several Data Breaches. The latest being XXXX   XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2020-03-24
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft someone got hold of my credit card and used it, which when I first noticed it I contacted the company right away and they canceled that card and send me a replacement card. Then they removed the negative items from my credit report and now its still on my credit report I just dont understand why would I pay for this when Im not responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: Halsted Financial Services, LLC.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
PREVIOUS CASE # : XXXX Please note that the original complaint with XXXX XXXX XXXX , is resolved. This complaint involves only Halsted Financial Services and XXXX XXXX XXXX. I can not seperate this complaint because it would leave out too many key factors in the what lead to my filing a complaint. 

I began receiving emails from XXXX XXXX XXXX last year in XX/XX/XXXX. They claimed they were a debt collector, collecting on behalf of XXXX XXXX for a debt I supposedly originally owed to XXXX Overdraft. I have no knowledge of owing XXXX any money at all. XXXX never contacted me about this so-called debt and they had my email address if not anything to try to reach out to me. I never got a thing from them or XXXX XXXX. I have a bank statement around the time they claim the debt was opened. The statement shows my account with funds in it so I was very confused as to how I owed anyone money. I was told by XXXX XXXX, that if I don't respond by XX/XX/XXXX, they would assume I am guilty and owe the debt. I sent them a validation request letter XX/XX/XXXX and informed them that I have no knowledge of this so called debt. I received an email response from someone named Bill at the agency. He told me they would get the information I requested to me soon. I never heard back from XXXX. Last month, in XXXX, I received an email from Halsted Financial Services claiming to be collecting on a debt on behalf of XXXX XXXX. I never received the validation I requested and to make it even worse, Halsted was contacting my sister and informed her of this debt I know nothing about. Now my family is concerned and I am having to explain that I have been trying to get these agencies to explain this debt and how I owe them because i had no idea I owed XXXX anything at all. I'm extremely upset that they contacted my family clearly stating that they are debt collectors trying to collect on a debt I owed to XXXX XXXX. I informed Halsted that I requested validation from XXXX and was told I would get the information I requested, but did not receive a thing. I sent a second validation request to Halsted Financial Services on XX/XX/XXXX. I have not gotten one response from them, nor the validation. They are not saying a word to me and were contacting my several days a week to get this money they say I owe but refuse to provide me information other than the amount and original creditor. I am attaching the validation letters I sent that will show dates sent as well as the email from XXXX XXXX XXXX, informing me that they would get the verification information to me. I can provide the rest of the emails from these agencies if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-04
Company: Stearns Ventures, LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Stearns is claiming that my loan is past due by over 90 days. I have been paying it every single month. Even their own website shows that. 

They will not return emails, or phone calls, or any kind of contact. They now want me to make two payments this month, but I do not have the money for that. Nor should I. I have a payment due tomorrow, and I can pay it, but I ca n't pay twice, and they are going to say my loan is still 90 days past due when its not. Just like they have for the past several months. And they charge me XXXX dollars every time, which I will not pay, because my payment is " late, '' even though I pay it on the due date every single month. 

They are now saying my loan is in default. Even though I have paid it every single month and I 've sent them screenshots, bank statements, and everything proving it. They refuse to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I XXXX XXXX entered into a consumer credit transaction with CAPITAL ONE AUTO FINANCE via XXXX XXXX XXXX ON XX/XX/2022 A consumer credit transaction in which a finance charge was involved.15 U.S.C 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but CAPITAL ONE AUTO FINANCE, and or XXXX XXXX in fact took {$5000.00} cash. The finance charge is supposed to include insurance but CAPITAL ONE AUTO FINANCE, and or XXXX XXXX XXXX made me purchase insurance separately. I was also forced to purchase a an extended warranty as well. CAPITAL ONE AUTO FINANCE and or XXXX XXXX XXXX failed to provide disclosure of obligors right to rescind under the provisions of 15 U.S.C 16

35. Further pursuant to 15 U.S.C 1640 they are now criminally and civilly liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Im a victim of identity theft someone got hold of my credit card and used it, which when I first noticed it I contacted the company right away and they canceled that card and send me a replacement card. Then they removed the negative items from my credit report and now its still on my credit report I just dont understand why would I pay for this when Im not responsible for it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: EQUIFAX, INC.
State: UT
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 a victim of Identity Theft as well as several Data Breaches. The latest being Equifax Information Systems. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRUIST FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
approximately XXXX XXXX  worth of deposits not reflected in account and duplicate transaction for the amount of XXXX that left my account in the negative. Called XXXX times, waited a total of XXXX hours in total for XXXX  and XXXX  customer service agents who tried to XXXX  me about my issue

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 2023-01-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX i was pre-approved by American Express XXXX XXXX XXXX American Express product card. XX/XX/2022 I received a letter from American Express Customer Care stating we regret we were unable to approve your application. After being pre-approved for XXXX XXXX XXXX XXXX American Express card on XX/XX/XXXX in the American Express portal. Ref : XXXX. I received a denial letter stating false information into why i was denied after they tapped into my open ended credit plan. This false and misleading actions and information has brought XXXX and XXXX  into my life. The reason for denial is undermining my confidence and taking advantage of me by misleading me to give them my social and denying me by discrimination. i have uploaded the letter that was sent out to American Express and their response did not have anything related to Ref : XXXX. Amex has completely ignored my affidavit that was sent out to them through certified mail regarding the false promotion, misrepresentation and defamation of character actions they have performed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: Chime Financial Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX, I was home with a broken left leg and fractured knee cap, and put in an online order for XXXX home delivery. This charge shows up on my account. I disputed such as I was not able to be physically present at XXXX. Chime continues to say that they are " researching '' this and has refused to even offer a temporary refund since XX/XX/XXXX. I have had my debit card replaced twice. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
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 status incorrect

Complaint:
XXXXXXXX  was reported in my credit reportlatte payment in XXXX, XXXX and TransUnion .. this is a mistake because this account was pay off for XXXX XXXXXXXX to XXXX XXXX on 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 2020-03-24
Company: Experian Information Solutions Inc.
State: NV
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 recently discovered that someone has utilize my personal information to obtain or attempt to obtain credit with several entities over several years. I have not applied nor own or authorized anyone to obtain any of the credit items listed in this filing.1. XXXX XXXXopened XXXX & XXXX 2.XXXX XXXX XXXX - opened XXXX {$380.00} 3. XXXX XXXX XXXX - opened XXXX {$700.00} 4.XXXX XXXX XXXX/XXXX XXXX - opened XXXX {$570.00} 5. XXXX XXXX XXXX/XXXX - opened XXXX {$230.00}

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 2023-12-08
Company: EQUIFAX, INC.
State: TX
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 recently reviewed a copy of my credit report. It indicated that a credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 

XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-24
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or about XXXX, XXXX, XXXX XX/XX/2020 American Express charged me {$5000.00} in prepaid annual fees for the upcoming year of 2020. On or about XX/XX/2020 American Express terminated my credit card, refused to refund my annual fees and kept my {$10000.00} in plane ticket rewards. After speaking to XXXX XXXX, rep for amex, XXXX ext XXXX she explained to me she didn't like my XXXX videos I made, exposing ways to receive their hard to get credit card. She also said she did not like the fact I sold my additional user on XXXX. I did not violate any terms in our user agreement. Before selling my additional card on XXXX I asked a Amex rep if I could give anyone I choose my additional user card and they said yes. I then received a letter from her saying the reason they terminated my credit card was, I violated the terms by using it to buy personal items. I did not violate the terms. I had saved my reward points for 15 years and they were worth one $ XXXX in plane travel. I feel I have been unfairly taken advantage by American Express. I have called many times and wrote a letter to try and get a resolution to this matter and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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  has violated my rights 15USC 1681 section 602 states i have the right to privacy 15USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 16688 : 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 explanation