BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-15
Company: AmeriHome Mortgage Company, LLC
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/19 my mom who is living in my 2nd home and making payments directly to amerihome mortgage company submitted a check to the bank to pay the mortgage was inputed incorrectly by the bank teller. The payment to amerihome then bounced due to insufficient funds due to teller error. Amerihome was contacted numerous times ( over 10 to correct the " NSF fee, Late fee and other fees '' ) they would not. We have contacted the bank in which they wrote a letter describing what had happened and that the fees should not be applied to our account. Now battling with Amerihome they will not help us out whatsoever and in the mean time my credit has bee effected by over 140 points in the negitive. I am very upset over this because I take great pride in having stellar credit. I need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-11
Company: Conn's, Inc.
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
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:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: United Revenue Corporation
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize you to have access. I intend to pursue filing a legal complaint unless they immediately deLete this item

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
This is my 18th 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 an alleged fraud or extortion. 
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 2023-08-16
Company: EdFinancial Services
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/2023 I received an email from my federal student loan servicer, EdFinancial, informing me that my loans will be transferred to a new student loan servicing system effective XX/XX/2023. The email stated that two weeks after the transfer I would be sent another email notifying me to create a new online account. On XX/XX/2023 I received an email from EdFinancial informing me that there was a delay in the transfer process, and that it would be happening at a later date. On XX/XX/2023 I received an email from EdFinancial stating that my loans would be transferred to the new servicing system effective XX/XX/2023. They again stated that two weeks after the transfer I would be sent another email notifying me to create a new online account. On XX/XX/2023 I received yet another email that there was a delay in the transfer process, and that it would be happening at a later date. There was no specification as to when that would take place. 
The XXXX emergency relief pause will be ending as of XX/XX/2023, when interest will resume on federal student loans. I have been saving money to make a very large ( over {$32000.00} ) lump-sum payment to EdFinancial before interest resumes. Because I am not currently able to access my account, I am not able to make payments. This means, they plan to charge me interest on an account that I can not view, access, or make payments toward -- which is illegal. After calling their customer service number multiple times today ( XX/XX/2023 ) they told me that I can not make payments at this time because my new account is not yet ready, and they refuse to accept my payment over the phone, or in any other capacity. They will not tell me when my account will be ready, and can not guarantee that my account will be accessible to me by XX/XX/XXXX, and yet plan to charge me regardless, despite the fact that I have money I am begging to pay them. A borrower can not refuse to accept payment and then charge interest on the debt they refuse to accept payment for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
I enrolled this account into a credit counseling program XX/XX/2018. I have been on time and paying them the agreed to amount ever since. However, they reported I was late XX/XX/2018, XX/XX/2018 and XX/XX/2018. I was not late and my status needs to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-16
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
I have tried to dispute an inaccurate Bankruptcy on my Credit report - US bankruptcy XXXX XXXX from XXXX - Acct XXXX starting on XX/XX/XXXX with the main 3 Credit Bureaus. XXXX removed the inaccurate information within 30 days, XXXX did not and they stated they verified it according to the previous creditor ( the court ), and XXXX XXXX did not conduct an investigation,. So I disputed it again on XX/XX/XXXX with XXXX and XXXX XXXX ( attached disputes ) and with the court at which it is allegedly held. XXXX XXXX stated that 'they could not verify it was me ' ... so I called them to verify and they said they would remove it, but both XXXX XXXX and XXXX validated it again. I received a letter from the Court on XX/XX/XXXX that they do not furnish data to the credit bureaus which struck me as weird because XXXX XXXX and XXXX stated they checked with the court. I disputed AGAIN on XX/XX/XXXX, this time with the Court response attached to my disputes and this as the language I used : XXXX XXXX did not investigate, again, and XXXX failed to look at the documentation. I reached out to LexisNexis because I read online that they sometimes provide data and they reached out stating they could not verify it was me, so I called them like XXXX XXXX and sent another letter. They sent me a report of my lexisnexis file but fai

led to look at my dispute and remove the inaccurate item. I have attached this dispute to the file as well Just to try it
again and give the benefit of the doubt, I disputed again XX/XX/XXXX. I disputed with XXXX online and uploaded the court doc and my ID docs., tried to do XXXX XXXXXXXX XXXX but it will not allow you, so I mailed disputes, and got the same result. I am perplexed at where to turn, XXXX removed the inaccurate item quickly yet XXXX XXXX does not investigate and XXXX fails to look at the information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
I presently have four student loan accounts with Navient. All four of these accounts were originally opened with Sallie Mae under the title of 'Smart Option Student Loan '. Thereafter, the accounts were assigned to Navient without notice. All four of these accounts are now incorrectly reporting missed or late payments in XX/XX/XXXX and XX/XX/XXXX ( totaling 8 missed/late payments reported ) despite my diligent efforts to have Navient correct these errors. On two occasions through XXXX and on one occasion directly with Navient by mail, I have asked Navient to correct these reporting errors that are clearly contrary to the terms of our Promissory Note. 

Pursuant to the Promissory Notes of these loans ( see attached ), repayment of these loans was to commence after the 'Interim Period ' described in the Note in Section B ( 1 ) ( a ) as " ... approximately six months after the date the student borrower graduates. '' Additionally, according to Section D ( Terms of Repayment ), Navient was required to send me a statement setting forth the repayment schedule on or before the date of repayment. ( See Section D ( 4 ) ). To date, no such repayment schedule has been received electronically or by mail. 

Further, I graduated from XXXX XXXX XXXX XXXX XXXX in XXXX, New Jersey in XXXX of XXXX. Accordingly, as the 'School Period ' of the 'Interim Period ' had ended at that time, the 'Separation Period ' had thereafter begun. ( See Section B ( 1 ) ). The Separation Period should have lasted until XX/XX/XXXX under the terms of the Promissory Note described above. However, contrary to this agreement, without notice, Navient began attempting to collect on full monthly payments in XXXX of XXXX. When I discovered that Navient reported late payments to the Credit Bureaus in XX/XX/XXXX of that year, I immediately took action on my account and began repayment while also attempting to dispute the subject of this present Complaint directly with Navient. 

To date, Navient has been unwilling to correct the clerical error that led to my account coming due before the agreed upon period and that ultimately led to the missed payments. Navient 's failure to correct this error is also a violation of Section R of our Promissory Note ( Correction of Clerical Errors ). In closing, Navient has acted in bad faith at every stage of repayment and the language of our agreement clearly shows that the 8 missed or late payments reflected on my Credit Reports should be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: EQUIFAX, INC.
State: FL
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:
These accounts inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done may attempts to reach out to XXXX, Equifax and XXXX Credit Bureaus but the failed to give me any results or feedback 's about this concern. Please investigate and remove them from my personal credit file. Thank you.INACCURATE ADDRESSES : 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 ; INQUIRIES : XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX, XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/XXXX, XXXX XXXX Inquiry Date XX/XX/XXXX XXXX Inquiry Date XX/XX/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, Medical XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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:
I have made six attempts to resolve the two unauthorized charges on my account. 1 ) XXXX and 2 ) XXXX XXXX. I have called Bank of America customer service via their general information line. When I called I was put on hold for more then an hour. After spending over an hour with a virtual assistant at a branch who transferred d me to claims. At which point never reach a representative in the claims department. The issue has never been resolved. I request new accounts and cards. Which Bank of America then granted access to XXXX and XXXX. 

I called XXXX 's in the ( Alabama Call Center ) - Rep XXXX Case # XXXX and she refused to escalate the matter to a supervisor. She began yelling and screaming like an apoplectic child. She keep me on hold for thirty minutes. Then a individual claiming to be a supervisor XXXX ( Alabama Call Center ) - Rep ID ( XXXX ) Case ID- XXXX. She refused to identify herself, then hung up. I was able to reach XXXX who identified these two individuals. They then lied about being involved in the interactions to avoid accountability for their actions. Later admitting to their violations of Consumer Protection Laws and BOA policies.

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 monetary relief
Consumer complaint received 2021-06-16
Company: V and H Portfolio
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This account was a included in my bankrupcy dated XX/XX/2016. It is showing on my credit report now as a new account, which I never applied for. I have advised the credit bureau of this many times and it remains on my report. I have no paper work to send on this account, because I did not apply for it. Please assist me in getting this off of my report.Thanking you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27
Company: Bread Financial Holdings, Inc.
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
XX/XX/XXXX, I contacted Commenity who is the service provider for the Frontgate credit card to determone how to take advantage of the 20 % birthday coupon. The associate advised it would come on my statement. I explained my balance was XXXX and therefore wouldn't get a statement. He then concluded it would come in 1-2 billing cycles. Come where? I explained that the Frontgate website says the coupon expires at the end of the birthday month which would be XX/XX/XXXX. My birthday is XX/XX/XXXX. Associate advised that was inaccurate. Then they suggested I make the purchase and it would update in 1-2 billing cycles. I asked for a manager and after awhile the associate disconnected the call. I called back and was able to get a supervisor. While speaking with them, I got an email advising that my email address had been changed. I DID NOT REQUEST ANY CHANGES TO MY ACCOUNT! The associate that disconnected my call changed the email from XXXX to XXXX. If I had not received the email I would not have received any further communication including my next billing statement. I also wouldn't receive any surveys regarding their service. I'm very upset that an associate was equipped to answer simple questions. Is the Frontgate website misleading about the Birthday coupon or is the associate help system wrong?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
XXXX XXXX Banking account was fraudulently opened in my name, using my address and SSN ; however, alternate phone and email information was used. 

As account was being opened ( XX/XX/XXXX ), I emailed XXXX and XXXX and informed the company that these accounts were being opened fraudulently. 

My first statement was received in XXXX and I contacted Bank of America to notify them of the fraud and close the account. I completed a FACT Act Request Form and requested copies of account opening documents. These documents were received and confirmed as of XX/XX/XXXX. 

The account, which has a positive balance of {$170.00} was closed by Bak of America on XX/XX/XXXX with notification sent to me dated XX/XX/XXXX. 

I have made multiple calls to Bank of America Credit Fraud Unit and Legal Order Processing and have had no success in compelling the bank to provide me with copies of these documents for which I have the right to receive. Most recently, employees have encouraged me to seek counsel and direct inquiries to Bank of America Legal Order Processing and Case Resolution Operations ( or XXXX ) as they can see that I have completed the necessary information but they are unable to compel other departments to comply. 

All that I ask is for Bank of America to comply with the FACT Act and provide the account opening information to which I am entitled. I am seeking regulatory intervention so that I can avoid the cost of legal representation, which is a last resort.

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 2022-05-05
Company: Holloway Credit Solutions
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:
I pulled my credit on today and noticed errors and accounts not authorized by me. I was directed to file this report by the Identity theft Dept to establish the a report and file a complaint. I would like the accounts to be removed from any credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: Continental Central Credit, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
A few years ago my wife and I purchased a timeshare while in XXXX XXXX. The Company is called the XXXX. We made our payments on the mortgage over the years and a few times we were late resulting in the company reaching out to us by email. They have always been able to contact us when they wanted to. They are not so good with returning emails. Over the years we have never received a coupon book for the mortgage or the maintain fees. We just continue to mail off the mortgage payment with a little extra every month. Last month, we received a notice in mail we finally paid off the mortgage with a refund. However, over the last 3-4 years we were sent over to a collection agent one in Florida and now one in California. This new one in California has attached a bad debt to my credit for these maintain fees that I know exist but the company never once reached out to me until these third party companies started adding in their extra fees. I attempted to talk with a XXXX XXXX today who was yelling at me about not paying my bills. Stating I moved without informing the company but I never lost contact with them for the mortgage payment they made sure of that.

The collect agency is : Continental Central Credit Inc.

Address : XXXX XXXX XXXX XXXX  CA XXXX Phone number : XXXX Rep : XXXX XXXX I dont mind paying the maintenance fees to the company directly but why wouldnt the XXXX  company contact me directly first. Why, would these people attach their self to my credit report when they didnt even look at it when I bought the timeshare? I feel this has some discrimination in it because we have credit reports in America allowing these companies to have some power over people while in other countries they dont these reports to granting this power. In addition, if I do owe them all this money why did they refund me from the overpaid mortgage? None of this make sense and rude collection agencies are just trying to make their cut off this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
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.

has violated my rights. Or list of inquiries 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 2017-04-04
Company: HUNTINGTON NATIONAL BANK, THE
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Huntington bank has been offering money to open a checking account. I opened an account online with them and linked my Credit Union account after they verified XXXX deposits and XXXX withdraw. I then sent {$1200.00} to my new Huntington account to meet their requirements. After they withdrew the money from my Credit Union, they did not deposit it into my new account, now the money is missing ... it is in neither account. They tell me three days before anything happens. This is a ruse ... where is my money? How many others are they doing this too and using patrons money in a slush fund. This is XX/XX/2017 and transfers are immediate, where is my money? I have been at my credit union for over 30 years and my credit score is over XXXX. Why is Huntington bank doing this to me?

Company response to consumer: Closed with explanation