BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-13
Company: AmeriHome Mortgage Company, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I received a bill from Amerihome mortgage company for about XXXX more than my mortgage payment normally is. I have attempted to call Amerihome and can never get through do to Covid they claim and wait times are outrageous. So I called XXXX the XXXX th of febuary at XXXX XXXX and spoke with a XXXX she stated that my insurance had gone up and that was the reason for the increase. My wife had contacted our home insurance provider XXXX to question the validity of this claim prior to my phone call because Amerihome charged us more money last year claiming the same reason. XXXX at XXXX explained that our policy is up to date and there are no issues.She also stated that our premium had gone up XXXX dollars for last year and that they did not have a quote for this up coming year.I attempted to make my XXXX mortgage payment with XXXX and a XXXX a escalation manager and was told I had to pay the extra XXXX dollars.I explained to XXXX that I was struggling to make the regular payment and reminded her the we are in a pandemic as Amerihome conveniently uses to excuse the long hold times while waiting to speak to someone.XXXX stated that I had to pay the XXXX or I could not make a payment at all.I told her that I could not afford that at this time and explain that I was not even notified about the increase and that we are all in a pandemic. She would not allow me to pay what I had, Amerihome is forcing me to be late on my mortgage payment .I quess this pandemic reality only can work for Amerihome and not the general public. Loan number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-07
Company: EQUIFAX, 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 help in removing a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$9500.00} ; XXXX XXXX Balance : {$1500.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-14
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on an account under an open end consumer credit plan as late for and purpose. 


Firstly, I tried to setup an autopay in my XXXX account online on XXXX XXXX, but it has failed to setup in their website. However, I havent realized that it has failed to setup the payment, when I checked the account later in the month around XXXX XX/XX/2023, I realized that the monthly amount ( {$4100.00} ) was still due, so I immediately scheduled the monthly payment. However, at the time I was in a hurry to go to a doctor appointment, as Im expecting a new baby in early XXXX, and selected the wrong account ( it had low funds ) from which the amount should be drawn. This has led to the account going into delinquent status. 

Secondly, I have not received any email or even a phone call from XXXX to notify me that my account went to delinquent status. I do not keep checking my loanDepot account every day to realize it. A courtesy call /text or email to check on me, why my payment was rejected and why my loan went into a delinquent status from XXXX would have been very beneficial for me in this situation. I have received a physical mail about this on XXXX of XX/XX/2023, by that time the damage has been done. I have been facing difficulty with using the XXXX website to setup an auto payment and accessing the messages and documentation on the website is very confusing and not user friendly. 

Thirdly, as a family my Husband and I both have mortgage accounts with XXXX, we have been comeback customers for our home loans and have been loyal good standing customers with XXXX. My husbands account number : XXXX. For your reference, you can check both our payment histories on these accounts. We have never made late payments before. This was a genuine mistake on my part, and could be room for betterment in notification services from XXXX as well. We can provide our employment verification letters or paystubs for your reference if you want to check on our income as well, to see that we are in good standing to make in-time payments. Our combined income has only increased since the time we took these loans from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Capital One and XXXX XXXX  XXXX let 's start by saying this I tried making payments for several months there was some kind of glitch in the system where it would not allow the payment to go through I do not understand it myself by the benefit of the doubt I know what I made ample effort I'm most certainly and they would not listen computers have a way of messing up I got to a point were I was having financial hardship because of lack of work but I still tried paying several times this is eating me up I'm having emotional stress I've always had a job and payed I work XXXX hours a week aways paid my bills 3 credit cards and there's an auto loan on my credit for capital one auto car is paid off I traded it in for another car through XXXXXXXX XXXX Capital One auto loan should be gone it says I'm late

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I sent a letter dated on XX/XX/XXXX to TransUnion to correct my date of birth. The date listed is XXXX. I just received a letter from them dated XX/XX/XXXX with the same information listed.

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 2023-10-14
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
I am a victim of identity theft, and did not make the charge ( s ). I am requesting that the item ( s ) be deleted off my credit report. I never lived at the address of service. Please investigate this ( these ) matter ( s ) and block the disputed item ( s ) as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-02
Company: CURO Intermediate Holdings
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted SpeedyCash as well as the credit bureaus on two separate occasions to determine why this duplicate or inaccurate report is on my credit! I have been ignored and no response has been sent to me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
With my identity there has been fraudulent activity going on. I noticed some Inquiries and some closed accounts that I have no knowledge of reporting on My credit report. The items are now negatively impacting my credit score. I have tried resolving several times and now this is getting ridiculous.Not only is this misrepresenting me but it is also holding me back from moving on from this nightmare.

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 2021-04-12
Company: Nelnet, Inc.
State: VA
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Security Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
SECURITYCRED is claiming that I owe them {$6700.00} but I didn't recognize this debt. Please Remove this inaccurate collection from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
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: Information belongs to someone else

Complaint:
To whom it may concern : I am an identity theft victim. I am writing to dispute the following items in my credit report. Each of the accounts and transactions I disputed were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in any way. 

XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$210.00} XXXX XXXX XXXX Reported : XXXX XXXX, XXXX {$2800.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX {$21000.00} XXXX XXXX XXXX 
Reported : XXXX XXXX, XXXX {$2100.00} XXXX XXXX XXXX XXXX XXXX  XXXX {$1200.00} 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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
This company sold me a lemon car then removed the vehicle and then damaged my credit without any warning are noticed violating my consumer rights.

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 2022-09-06
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This was not sent in error. I am a consumer by law and my info was misused and I now have some false not XXXX XXXX accurate accounts and information on my credit report. 

I asked the credit bureaus to do a verification of everything on my credit report and they did and also stated that everything was accurate. I did research myself and found inaccuracies on my credit report even after they said they did research. In Accordance with Fair Credit Reporting act the following accounts have violated my rights : XXXX XXXX  Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX  XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX XXXX XXXX Account # : XXXX Also 15 U.S.C 1681 Section 602A says I have a right to privacy and Section 604 A Section 2 says a consumer reporting agency can not furnish an account without my written instructions and consent as well as the right to opt out! I was not given the opportunity for my information to not be shared and I'm demanding removal of these items.

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 2023-01-08
Company: Affirm Holdings, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I have recently had a name change and tried to update my information, however, none of the information matches what they have on file. I am totally XXXXXXXX XXXX Veteran with XXXX. I have tried to converse with them to understand my circumstances. They dont care or treat me with fair or dignity. I have to verify my self multiple times and be placed on long holds. All this is aggravating my XXXX symptoms. I feel as if I am not treated fair, with dignity, being discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-02
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I received a phone number staged to be from TD Bank saying there has been fraudulent charges on my account. The fraudster I was speaking to used the info I had given him because I thought he was a TD Bank rep to get access to my online banking and he stated that there were 17 pending XXXX charges from my account to an email with the name XXXX XXXX. But what happened was the fraudster on the phone added a new contact into my XXXX account titled Your Account and was transferring my money from my savings to checking and then issuing XXXX payments. Then I received texts from TD Bank asking if I wanted the payments to be sent to " Your Account '' which was actually the fraudsters contact name he added to my XXXX account was staging as a TD rep. The actions taken by TD Bank was closing my accounts but they did not freeze them at all and they allowed about {$2500.00} in pending charges that were " Next Day Payments '' on XXXX still leave my account and it wasn't until later until we spoke to a different TD Bank rep that we were told that those charges could've been cancelled while they were pending but it was on me to know that and not the TD Bank fraud department because it was done through XXXX. In total the scammer got around {$3500.00} out of my accounts when most of the money could've been stopped from leaving.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: Experian Information Solutions Inc.
State: MI
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 XXXXXXXX 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. 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 2023-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt know follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2023-12-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Please swiftly correct this mistake and ensure that my account accurately reflects my history of making payments on time

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 2021-07-03
Company: Medical Data Systems, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There really wasnt a correct option to choose. This is about the medical data systems reports on my credit report. Its not fair to file a no paid bill on my credit report when Ive NEVER received a bill from anyone on this. From my understanding my insurance paid and it stopped there. No bills were sent to me for any remaining balance. If I am NOT aware of the bill then it cant be held against me! SEND ME A BILL and LETS GO FROM THERE, BUT DONT FILE A CLAIM AGAINST ME FOR SOMETHING I AM NOT AWARE OF. THATS JUST WRONG!!! I pay my bills, my creditors are happy with me. This office or hospital ( who ever this bill is supposed to be for ) is just dishonest. Notify the person of a bill! It only takes a dishonest XXXX that cant do their job to not do so.

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 2022-05-01
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The credit bureaus stated XXXX XXXX XXXX XXXX and XXXX XXXXXXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX 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 was properly investigated, but how is that possible if the open date is inaccurate. The date last is inaccurate and date reported is not accurate. This is ground for removal. They also have violated my rights under 15 U.S.C. 1681 section 604 A section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions. I havent given these accounts permission to furnish these accounts on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-04
Company: Atlanticus Services Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have two separate credit lines with fortivia credit both lines show that my balance is not going down after a few months of making payments I realize my balance is still high and I have not used my fortivia XXXX  account since XX/XX/2021 my other account with for XXXX  I was penalized for making my payment early so I was charged for a late fee although my payment was early and then they did not apply my monthly payment to my account someone has kept my money no one wants to reimburse me nor do they want to apply that monthly payment to my balance to me that is actually stealing from someone I never knew that there was a fee for pain one day early I also would like my money back since they are not applying it to my balance nor my account I can not afford to keep doing this it took me months to realize what was happening but I now realize what's going on there are many bad reviews on fortivia credit card line online now I wish I had known sooner someone please help me XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX XXXX is reporting late payment while under VA FORBEARANCE DURING covid CARES act which forbids derogatory information being submitted to a credit reporting agency.

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 2022-02-03
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The report shows that I was 30 days delinquent back in XX/XX/XXXX, however, I had an approved deferment for that monthly payment. However, back in XX/XX/XXXX, I sold the car to pay off the lease and close out the account, and the account is reporting negatively on my credit reports with the three reporting agencies.

Company response to consumer: Closed with explanation