BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-08
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have tried over the last 16 months to have my mortgage insurance removed. I was told by AmeriHome mortgage ( my lender ) that I must wait two years before they would even look at my request. Now after sending another email and making a phone call to XXXX then I asked for his supervisor XXXX, I was told they wont even respond to my request for 30 days, when their website states five days! I found out once the home is funded and recorded, mortgage insurance may be removed after a 30 day period, as long as the home qualifies. I have been in my home over Two years now and never missed or late with the payment and have updated the home with at least {$30000.00} in improvements. Not to mention the home value increase of 10 % at minimum in my subdivision. Not sure why this company is allowed to rip off its clients like this?? I have also copied Governor XXXX on my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30
Company: Carter-Young, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a debt validation letter on XX/XX/2021 and this company failed to validate my debt. Instead, they sent a list of my medical records which I know is a direct violation of HIPPA regulations. I never signed a HIPPA form authorizing them to have access to this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
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 XXXX XXXX account # 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 instruction.

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 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am setup on auto payment for my auto loan. I changed my bank account around months ago, there's been no issues with my payments going through. One of the recent auto payments, XXXX changed the bank account back to my old account, which is not open. They did not contact me until the loan was already reported late on my credit. 

This is the second time I've filed a compliant, the first time, they lied and blamed me. I've never missed a payment and I want that reflected on my credit report. This was the Bank 's error.

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 2022-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2022-01-31
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX XXXX is reporting an incorrect payment history to Experian. I got on a payment plan with XXXX  and they agreed to report my account to the bureaus as current as long as I am making my payments which I am. XXXX from XXXX emailed me this to confirm. Please see attached our email thread. I also attached a copy of how Experian is reporting this account. XXXX and XXXX are reporting correctly and Experian needs to do the same.

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 2023-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX Date of inquiry : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX XXXX XXXX Date of inquiry : XXXX XXXX XXXX Date of inquiry XXXX XXXX XXXX Date of inquiry XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX Also Known As XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : 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 2018-06-12
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The doctor was informed that my insurance only cover me after I spend {$1500.00}. I informed my doctor that I would be requesting XXXX XXXX under the XXXX act and I would not have to pay for the XXXX or XXXX he recommend. I informed the doctor I made little money and all I could afford was the co-payment. In any event, the doctor assistance walked in and gave me a XXXX XXXX. After what I said he said, " he would bill the insurance company. '' Next, I received a collection bill from two collection agencies in two different states. I received telephone calls. I call my attorney. Both collection agencies are not in compliance with Florida Statute 559.553 ; Florida Statute 559.715 ; 15USC1692 ( g ) ( b ). ( c ) ( k ). I request the collection  agency cease and desist from a letter from the federal government.

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 2023-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 is missing that should be on the report

Complaint:
I recently filed a complaint and spoke to someone in efforts to resolve. I do hate to constantly submit complaints but unfortunately this is the only way the company respond. I financed my XXXX XXXX XXXX in XXXX of XXXX. XXXX XXXX was my account manager. Long story short, due to COVID-19 you guys INACCURATELY reported to TransUnion that XXXX wasn't making payments to COVID-19 which was incorrect. After I reported the discrepancy to TransUnion and provided proof that I was making payments the account was removed from my credit report instead of being corrected. The loan is now paid off and closed and it should accurately reflect that on my credit report. I spoke to someone from the XXXX XXXX XXXX over the phone regarding this situation after submitting the first dispute and was told to contact TransUnion. After contacting TransUnion I was told to contact the finance company and request that they submit a reinsertion request for the loan. Please, I just need my credit history to accurately reflect I am a young male who is trying so hard to make a great living. Please help me resolve this simple issue so I can leave great reviews on the company.

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 2023-04-08
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX my bank account was over drawn. Due to my XXXX XXXX XXXX, I made a purchase to pick up groceries at XXXX XXXX XXXX. After having someone pick up my items, my receipt showed that I was charged XXXX for one pack of thin chicken breasts, when the initial price was {$7.00}. It appears that the weight of the chicken was scanned incorrectly causing the total of my 15 items to equal XXXX. After this occurred, I opened a fraud claim with my bank on XX/XX/XXXX, reached out to XXXX to launch an investigation for shoppers fraud, and filed a complaint with the XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX, The Division Corporate Affairs Manager for XXXX reached out to me directly via email on XX/XX/XXXX. In the email, it was admitted that an error occurred, I was wrongly charged for the chicken, and a refund in the amount XXXX of would be processed to my account. On XX/XX/XXXX, XXXX reached out to me an informed me that the refund was successfully processed on their end. A provisional credit was applied to my account on XX/XX/XXXX. On XX/XX/XXXX, I was able to go inside the branch to make a withdrawal from my account and speak with a banker. I spoke with a banker name XXXX XXXX at the XXXX XXXX location. When speaking with this banker, I informed him that I wanted to ensure the fraud investigation that i launched was ended because I received a refund from XXXX XXXX XXXX. I was told by this banker, the back office would see I received a refund and the investigation would be stopped. On XX/XX/XXXX I received a letter from BMO saying my fraud claim was denied because the merchant provided proof of a valid transaction and the provisional credit that was applied was revered, causing my account to become negative in the amount of {$1000.00}. On XX/XX/XXXX, I went to the branch and spoke with the same banker. I wanted him to clarify why my account was negative and why the provisional credit wasnt reversed when I notified the bank of receiving the refund. I informed the banker that I no longer wanted to continue my business with BMO as I can no longer trust them with my funds or protection of my account. I completed all the necessary steps I needed to take to ensure that all parties were in accordance and that my funds were recovered properly. There was a miscommunication between the bank, myself, XXXX. I believe that BMO is at fault for this error.

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 2022-01-31
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received information in regards to a final bill being due for a large amount for an account opened for an apple credit card. The notices stated a payment was due by XXXX XXXX when I contacted the company in regards to the transactions they stated to file the identification scam online so they can obtain a copy of the report in order to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06
Company: LendingPoint Holdings 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 information incorrect

Complaint:
Applied for a personal loan with several companies in XX/XX/2022 XXXX of the companies was Lendingpoint LLC. 
Did not accept their loan offer. Never signed any loan documents. Never received any loan funds. 
This company is now claiming I have a loan with them and it is delinquent. 
Disputed twice through the credit bureau. 
This is complete fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-21
Company: The CMI Group, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive recently been monitoring my credit through XXXX and received a notification of an unusual debt for {$170.00} from CREDIT MANAGEMENT LP. Ive never heard of this company before. When I tried to contact this company through their phone number [ XXXX ] no one answered the phone. I called back and they claim they dont have my information on file. 

I request your cooperation in removing my credit report to remove this collection of {$170.00} Reported on XX/XX/2023 ( XXXX, XXXX 2023 ). 

After reviewing my credit report, Ive come to the realization. Furthermore, per the Fair Credit Reporting Act ; Section 611 ; Subsection A-D, Im entitled to the contact details of each individual with whom you verified the above accounts at my request so that I can follow up if necessary. 

Once youve completed your investigation, please let me know Please be aware that I am sending this letter on my behalf and have included a photocopy of my ID to verify my identity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-08
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I've sent Nelnet written instructions on how to apply additional payment amounts ( i.e., apply my additional funds to principal only ) and they continue to ignore my instructions. They reply with a canned response and state they will apply additional funds to interest first. I sent them communications on XX/XX/XXXX and XX/XX/XXXX. It is unacceptable and violates my rights. Below is what they send in their canned response to my written instructions : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then accrued interest, and finally to principal. If your account is on an Income Driven Repayment plan, your payment will be applied to accrued interest first, then fees ( if applicable ), and then to principal. Once any outstanding and accrued interest has been fully satisfied, any additional amount received is automatically applied to principal. 
If you pay more than your current amount due : Any payment amount higher than the current amount due will be allocated across loans in repayment status with the highest interest rate. * Once the loans in repayment status with the highest interest rate are satisfied, any remaining payment amount will be allocated across the loans with the next highest interest rate. 
If none of your loans are in repayment status, payments are first allocated to outstanding fees ( if applicable ) and then to interest beginning with loans with the highest interest rate. Once all outstanding fees ( if applicable ) and interest have been paid on the loans not in repayment status, remaining payments will be allocated across unsubsidized loans and then subsidized loans beginning with loans that have the highest interest rates.

*If two or more loans in repayment status have the highest interest rate, the payment will be allocated first to the unsubsidized loans and then to the subsidized loans, in proportion to each loans regular monthly payment amount.

Also, when you pay more than your current amount due, your due date on loan groups in repayment status will advance by one month each time you satisfy the regular monthly payment amount for that group. Your monthly billing statement will show {$0.00} due for that loan group. Because your excess payment will continue to be applied to the loan group with the highest interest rate, you will continue to have an amount due for loan groups with lower interest rates. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-24
Company: BROKER SOLUTIONS, INC.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
on my loan with broker solutions, a valid escrow analysis was performed on XX/XX/XXXX refunding over {$4000.00} including over {$130.00} in interest and a new payment of {$2200.00} this was more than sufficient and met any requirements under law. Then on XX/XX/XXXX with no warning or external they decided to perform another escrow analysis which increased my required holdback for property insurance and property taxes of over {$5000.00} mostly on the basis that the statement claimed my property taxes would go up over {$5000.00} next year even though that would violate California state law as property taxes are only allowed to go up a maximum of 2 % annually. 
if this analysis is allowed to remain in effect they would be collecting an excess of {$7000.00} dollars annually for NO good reason and with NO rational basis in simple terms despite their statement my property taxes will be close to XXXX dollars NOT XXXX and my insurance will beXXXX  not XXXX. They have no basis to claim otherwise. this seems very personal and onerous and i can not allow it to stand unchallenged as i am a veteran on social security living on a fixed in come with a now unexpected {$600.00} hole in my budget for NO VALID REASON.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX put 10 inquiries on my credit report and I only applied one time on XX/XX/2022 I have not applied to any company and I have unverified inquiries on my report. I asked for them to remove the inquiries and they did remove any inquiries

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 2023-06-07
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: Information belongs to someone else

Complaint:
I want to emphasize that I have no affiliation with these creditors, and I did not initiate this inquiry 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 2022-01-31
Company: EQUIFAX, INC.
State: PA
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 have been trying to fix an error on my credit report for months by dealing directly with the credit reporting agency. I have a XXXX account that can not be accurate. The account reports that it was opened in XXXX of 2017 and that it was a paid collection. I had a XXXX at some point in the past that was paid in full. I recall when I was done with their service that they told me they were holding a security deposit and that amount would be used to satisfy my final bill. Basically I owed them nothing and I was paid in full. My account should have never been in any collection. I am not sure if the account reporting is my past account or if I was a victim of ID Theft. I previously completed a FTC ID Theft Affidavit related to this because I am certain that I never had an account that went to collection that I later paid with XXXX. I am concerned that someone else may have opened an account in my name that went to collection since mine never did.

Company response to consumer: Closed with explanation