BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-15
Company: AmeriHome Mortgage Company, LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My homeowners insurance is billed monthly and held in escrow with Amerihome Mortgage. In XX/XX/XXXX, Amerihome failed to pay my homeowners insurance renewal. Amerihome claims that they did not receive the invoice. I did receive a copy of the notice that was sent to Amerihome describing cancellation for non-payment. However, when I went online to Amerihome 's website to see if the insurance still had not been paid, they showed that the insurance policy did not expire until XX/XX/XXXX. I could only assume that the premium was paid and that I received the letter after Amerihome made payment. Fast forward to XX/XX/XXXX. I had leak in my kitchen ( the water line to the dishwasher sprung a leak ). I called my insurance company to make a claim. They were unable to find my policy but took my information in case it was a glitch in their system. A couple of days later I found out that I did not have a policy in place because Amerihome failed to pay my insurance in XXXX. Amerihome told me to hold tight as they were going to get with my insurance company and have the old policy reinstated. After several days I received a phone call from Amerihome that my policy was reinstated and that I could move forward with making a claim to my insurance company. I did just that, only to find out that the policy was not reinstated and that Amerihome just mailed a payment for the premium with a copy of the renewal notice from XX/XX/XXXX that they claim they did not receive. The insurance company will not reinstate the policy 6 months after it was cancelled. I have spent 3 weeks on the phone with both Amerihome and my insurance company going back and forth to decide who would fix my home as well as get a new policy in place on my home now. Amerihome states that they aren't liable as they didn't receive the invoice and my insurance company states they aren't liable as there was no policy in place at the time of loss. I now have mold growing in my home and am allergic to it as well as being stuck with a $ 20,000+ repair that should have easily been filed as a claim and insurance would have covered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/18 I was notified my credit score had changed and that a credit card was closed. Capital One closed my credit card due to inactivity but did not send me any notification that this was going to happen and is refusing to open the card again. I did not want this account to be closed as this was the first credit card I ever opened and established my credit history. With the closure of this card the length of my credit history was drastically reduced and lowered my credit score substantially. Capital One refused to let me speak to anyone other than a supervisor and refused to do anything to get the account open again. They told me they would never close an account without notifying the owner first however I was never notified. Their customer service was terrible and had no excuse for why they did not notify me of my account closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Bread Financial 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: Account information incorrect

Complaint:
I have a credit account with Arhaus/Comenity Bank which was auto-drafting payments. When Arhaus returned a payment due to an address discrepancy, I was contacted by phone for the 1st time by Arhaus around XX/XX/XXXX by phone and told that if I tendered a payment via phone immediately that my account would remain up to date with no issues reported. I complied and gave them my card immediately. The Arhaus employee then told me that the account would remain up to date with no issues being reported and told me I would receive an email verifying this shortly after the payment was processed. I did not receive an email and roughly 3-4 days later I receive an alert on all 3 bureaus that I am 30 days past due on my credit account. This was the exact opposite that I was told on the phone by the Arhaus employee and I was compliant with all request the first time they contacted me. I have perfect credit and never miss a payment and this is incorrect. I have sent in documentation in the form of payment statements showing all of my payments being auto-drafted on Arhaus website dashboard on time to XXXX as well as to Arhaus/Comenity and it seems that nobody is accepting clear proof. This is a cheap attempt by a creditor to incur fees on a consumer with no history of late payments, a blatant disregard for the damage caused to perfect credit when a company is reckless with their customer service, and does not reflect the truth of my account history with this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-15
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I informed company acct is my moms but I did help her to get her furniture for her house but she lost her job due to not being able to work anymore as a results of her health and I was struggling to make ends meet company constantly calls my phone 10-20 times a day for the payment but I cant afford all of her bills plus my own and they aren't willing to help with payment arrangements or anything its really frustrating and they keep threatening with the local sheriff dept to come out to my mom home and take her furniture

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: TX
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:
I did not consent to Authorize nor benefit from the following account ( s ). Block and Remove!

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 2018-05-25
Company: EQUIFAX, INC.
State: CA
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: Problem with personal statement of dispute

Complaint:
- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, EQUIFAX sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: EQUIFAX, INC.
State: MO
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 my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXXXXXX Balance : {$220.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$600.00} ; XXXX XXXX Balance : {$13000.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$250.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$660.00} ; XXXX : XX/XX/XXXX ; XXXX XXXX XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: MRS BPO, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
THIS IS CURRENTLY ON MY CREDIT REPORT AS THE ONLY BLEMISH. I have no idea who it is or what it is about. It is a false claim/transaction. 
The collector ( MRS BPO ) hung up when I called. ( I XXXX  the number from the credit report. ) I called back immediately and they were from XXXX and that they turned my information back to XXXX XXXX  ( without even discussion ) this may have been a fake call. 

There have been no attempts to collect, and my account with XXXX is in good standing with their billing department. They are unaware. 

I have been hacked. Police and federal authorities have been contacted. I need to assure that credit is frozen. From what I understand removing this will immediately increase my score by XXXX points. There are plans to move forward with other harassment and identify theft/stolen information charges-pending result. 

Please help me remove this bogus account from my credit report! I will do whatever I need including all police reports and legal cooperation. Online harassment has gone on for more than 2 years. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Source Receivables Management LLC
State: VA
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, Source Receivables Management, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX 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 a credit card account under an open end consumer credit plan as late for purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
recieved a call on XXXX XXXX in the morning from a processor stating they had lawsuit papers to serve me and to call this number for information XXXX to talk to XXXX XXXX they were from a law firm in XXXX XXXX saying they were doing litigation to sue me and garnish my wages anf lien on my property if i dont settle an amount of XXXX original creditor hsbc XXXX XXXX i told them i dont remember having that creditor nor its on my credit report i just want more information on this to see what was purchased i had identity theft back in XXXX .they send me a validation letter with not much information just offering me a settlement of XXXX to be paid by XX/XX/XXXX, im worried this might be a scam they didnt offer me a website or more detils on their law firm just a name law office of XXXX located at XXXX XXXX XXXX XXXX XXXX california XXXX i filed a police report t for identity theft since they have all my personal information how can i protect my self or know if this is legit

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: MS
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 submitted proof of unverified late payments to all three credit bureaus showing how late payments had not been verified because they were showing differmtly for all three bureaus. They have all closed my disputes without removing the unverifed information. They updated the missed payments to make them match what I sent them, however, that is not what I requested. Since they did not properly verify after several attempts to get this corrected, I sent in my highlighted copies showing the differenes in the bureaus reporting.After having to go back and forth several times I requested that they be removed, they had time to correct thema nd did not, kept saying it was correct. I want these late payments removed ASAP. XXXX and Equifax are also illegally reporting XXXX XXXX XXXX as " XXXX  '' every month since XX/XX/2019. XXXX and Equifax are showing me once deliquent on XXXX acct, this account was NEVER late. I am attaching proof of the inaccuriaces and proof of how the 3 bureaus ( Equifax, XXXX and XXXX ) are reportng unverified and misreporting information on my credit report, after several letters requesting information be investigated. They closed all my disputes and the mis information remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX a fraud account I have the FTC report filled out my information was stolen thru data breach I have all documentation to show prof I would like that account that dont belong to me to be removed

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 2017-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank of America refusal to conclude on the case # XXXX I have filed on XXXX after exceeding the self-stipulated maximum consideration period of 30 days. 

++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++++ Upon bank 's refusal to pay me the due US {$200.00} bonus for opening a savings account back in XXXX XXXX, on XXXX I have filed a dispute # XXXX. The bank 's representative has informed me in a phone conversation that the the issue is to be considered within 30 days period and the bank will communicate its decision in a written form. 

On XXXX, XXXX, XXXX I have called the Bank again ( phone XXXX ) asking about the status of the dispute # XXXX. The representative has refused to connect me to the department that was supposed to be handling my dispute. But she has told me that 1. the Bank has n't reached a conclusion in this case ; 2. the Bank refuses to issue any official communication to me upon completion of the 30 day period ; 3. the Bank refuses to estimate the additional time that will be necessary to complete the review of my case ; 4. however, I 'm free to call them on a daily basis  inquiring on the status of my case.

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 2021-09-21
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I, XXXX XXXX am a victim of identity theft, There are fraudulent accounts on my credit profile that need to be removed immediately!

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 2018-03-15
Company: JH Portfolio Debt Equities, LLC
State: NJ
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2018, I received a phone call from XXXX XXXX XXXX advising they were attempting to collect an outstanding debt which was transferred from XXXX XXXX. The amount was for {$20000.00}. He was interested in setting a payment plan to repay this amount. At this time i advised the rep with this company I was involved with a debt mang company, he was provided with the name and phone number of the debt mang company. he stated they have dept that works specifically with debt mang programs which would not be an issue. On XX/XX/2018, i contacted my debt mang program to inquire if XXXX contacted them they did not. I reached out to XXXX  to inquire on why they did not, they stated the number did not work. The number again was provided with an extension, which has been the same number i have been using to contact the mang company with no issues. On XX/XX/2018, i spoke with the mang company and asked if XXXX  contacted them they had not. I have not heard from XXXX since XX/XX/2018. This amount of {$20000.00} is currently listed on my credit report as an active collection record which hurt my credit drastically. besides the phone call the credit report was the only other way i knew what was going on with this loan. also the creditor listed for this account is JH PORTFOLIO DEBT EQUITI.

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 2018-03-15
Company: Rocket Mortgage, LLC
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing because I am very unhappy with the way that Quicken Loans continues to mishandle my escrow account. I purchased one unit in a three unit condominium complex last XX/XX/XXXX in XXXX, MA. QL took from my escrow account and paid the taxes for all 3 units. XXXX will not break the tax bill into 3 individual parcels until the beginning of the fiscal year ( XX/XX/2018 ). 
The XXXX Treasury Department informed me that the appropriate procedure is for the loan provider to look at the Master Deed Agreement ( in my closing docs ) and only pay my portion of the tax bill which is 28.6 %. The city of XXXX does not take action on the entire parcel if other units do not pay the bill. 
Instead, QL took {$2900.00} from my escrow account and my portion of the tax bill should have been {$790.00}. I was also told that for the XXXX  tax bill, if my neighbors are slow to pay, QL will take money from my escrow to pay my neighbors taxes again since they must pay the taxes on the parcel associated with the unit. I am sure you will agree that this is outrageous. 
I have been working with XXXX XXXX at QL. She told me that she had investigated and QL did everything correctly. She told me it was only QL responsibility to pay whatever they pulled from the city as a tax bill on that combined parcel. Although the tax bill was significantly higher than planned in escrow, it was not QL responsibility to contact me prior to paying. This entire situation could have been avoided with one phone call. 
I am asking QL first and foremost not be allowed to create this problem again by taking my money and paying the entire tax bill for XXXX. I I am also asking QL to refund {$2100.00} to my escrow account and take my property out of escrow and recoup the money from the city or the other unit owners. QL will not lift a finger to help me recoup the money they took from my account. QL receives the benefit from interest free escrow, they should also shoulder the risk & responsibility and recoup, not solve their problem by stealing from customers escrow accounts. 
I am in discussions with my neighbors to try to get them to pay me instead of the city for their portion of the taxes. Hopefully we will be able to work it out and I will provide the money to QL to put back in escrow. However, Quicken needs to stop this practice and should not be allowed to take more than my share of taxes from my escrow account for next quarter. It looks to me as they intend to repeat the same problem. 
I have asked QL to stop handling my escrow. I am not required to escrow as my credit score is excellent and the down payment was almost 40 %. They have also refused and said I need to wait until the loan has been in place for 24 months. Incidentally, this is the second time that Quicken took money from my escrow to pay the wrong bill, but they did agree to refund in the first incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 I transferred {$100.00} using my debit card on the Venmo app ot my nephew. 
Two weeks after it was taken from my bank account and after several email inquiries he had not received the funds. He contacted Venmo ( ticket # XXXX ) and was told that " transfers are reviewed which may result in delays '' in being funded. They claim that transfers are usually complete within 3 days. Even after two weeks they respond that it could be 5 to 7 days to resolve!!

Company response to consumer: Closed with explanation