BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-18
Company: AmeriHome Mortgage Company, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice from my XXXX XXXX XXXX XXXX XXXX reflecting an overdue balance for water and sewer charge of XXXX plus late charges of XXXX. I immediately called my mortgage company, AMERIHOME to find out what was the reason it was not paid in time despite my monthly escrow payment made on time. They were unable to give me a reason, I faxed then the notice for immediate action. Nothing happened, the agent I talked to just took note of my call and didn't escalate the case so on XX/XX/XXXX I received a 2nd notice with XXXX late charge. I called XXXX and faxed it for immediate payment and at this date all they tell me is that they are working on it ... ..This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I graduated from the University of Illinois in 2011. In total I borrowed {$20000.00} in private student loans with Navient. Since 2011, I have paid a total of about {$16000.00} but my principal balance is still {$19000.00}. How can this be legal? How could only {$800.00} be applied to my principle balance? 

Aside from this, it is ridiculous that Navient refuses to give you any accurate or helpful information about your account. 

I called to find out how much I have paid so far, and I was told something would have to be mailed out because they dont have access to that information. It seems odd that anyone could give me accurate information about my account if they cant see my payment history. 

When I inquired about making an additional {$50.00} payment through a round up app ( an app that helps you pay off your student loans by rounding up your purchases to the nearest dollar ), I was told that making additional payments would cause my minimum payment to go up {$200.00} because my rate reduction program would be cancelled. But when I asked how I can get my loans paid off faster I was told to make extra payments. Then I was told that I could make a payment for the entire balance. Navient does not care about their borrowers and has bankrupted my generation. As others have called it, this is financial terrorism.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am writing because my personal credit rating dropped 180 points when I applied for a business credit card through Capital One. 

I received the attached invitation to apply for a credit card with Capital One. Per the instructions, I applied on-line and was approved for a card. We have used the card for a month and are not delinquent in our payments : our first payment is due about XX/XX/19. The card was approved XX/XX/19. Much to my surprise, I received an alert from XXXX XXXX on XX/XX/19 that my personal credit rating was downgraded on XX/XX/19 from XXXX to XXXX : entirely because of the credit card being applied to my personal credit rather than the corporation. When I called XXXX XXXX, they informed me that I simply needed to request that the credit request be reported via our tax ID number rather than my social security number as it is a business credit card. When I spoke with several people at Capital One, they informed me that we report to both business and personal credit agencies as my name is on the card and that is just the way we do it. 

This is incredibly damaging : as you can see from the flyer, there is NO indication that this card would impact my personal credit rating and I have no way of correcting it even though I have not been delinquent in paying debt, ever. This credit ding NEEDS TO BE REMOVED from my personal credit and accrue to the corporation as it is a BUSINESS and not a PERSONAL card. Even my application shows I am not the sole proprietor of this business. I would NEVER have applied for this card if I thought it would damage my personal credit so dramatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-26
Company: BARCLAYS BANK DELAWARE
State: CA
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:
Was not aware of the closure of the account. Bank charged me all these returned payment fees that i did not know how to Handle. Was not aware of how the payments worked on the website. Bank charged lots of late fees. wrote to them several times and returned all my mail. thought i was doing the write thing the whole time. Did not receive anything in the mail from them. they transfer you to different people when you keep asking questions when on the phone. 

Never wanted to understand that i was not in communication with them, so I didnt know what was going on. 

Have payed off a very large portion of the balance already and currently still making monthly payments to Barclays.

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 2023-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
When I investigated my credit report, I realized that some of the information was erroneous.The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Balance {$370000.00} ; XXXX XXXX XXXX Balance {$370000.00} XXXX XXXX XXXX Balance {$370000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-29
Company: HW Holding, Inc
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Hunter Warfield has increased a debt owed over time. 
XX/XX/XXXX went up {$5.00} XX/XX/XXXX up {$4.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$4.00} XX/XX/XXXX {$15.00} XXXX {$5.00} XX/XX/XXXX {$10.00} XX/XX/XXXX {$19.00}. It is from an old apartment on move out charges. I cant go back any further in my credit report to find more evidence. They are adding either interest or fees monthly or twice a month.

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 2021-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
My Occupation on my credit reports say XXXX XXXX XXXX and XXXX XXXX '' but that isn't my place of employment. Furthermore, I have two incorrect inquiries on my credit report. XXXX and XXXX. I have already tried once to get this taken care of, I don't want to have to pursue legal action to get fraudulent inquiries 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 2020-10-29
Company: U.S. BANCORP
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a settlement offer from US Bank that gave me until XX/XX/2020 to pay {$870.00} to settle a debt of {$2100.00}. The offer had a return address of XXXX. 

I sent the requested funds via a money order to avoid arguments about the funds clearing. I took the settlement letter and funds to the US Post Office on XX/XX/XXXX to make sure it went out and to be sure it would arrive before the deadline.

The US Post Office told me that zip code does not exist so I call US Bank and received assurances from them that they would receive it if sent it and my funds were delayed they would still accept them as my settlement. 

US Bank then did exactly the opposite of what they told me. They received my funds and didnt give me a settlement but accepted it as partial payment. I argued with them about the bad zip code, the delay and their promise to accept the payment, nothing. It was dishonest of them to give me a bad zip code then tell me everything is fine.

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 2023-02-08
Company: EQUIFAX, INC.
State: CO
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:
XXXX XXXX XXXX failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph XXXX, XXXX XXXX ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph XXXX ). 

A dispute was submitted on XX/XX/2022 to XXXX, Equifax and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: EQUIFAX, INC.
State: IL
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:
Ive been contacting the credit bureaus for 9 months via letters mailed in/fax/ and over the phone ; they are returning letters back to me ; refusing to investigate a lot of letters and fax went unacknowledged on letters that were sent certified mail so have confirmation that they have received them however when call rep states no record of receipt. I am fully aware they are backed up and working from home I hear family/pets in background systems go down while on the phone. This is clearly unfair that representatives are able to work from home, not held to office compliance, and refusing to process files that are received. No formal investigation is being engaged ; totally understand that we are in a pandemic however the world doesn't give agencies to be able to disregard work load and properly process files ; no laws have been sat in place to extend/amend investigation process and we are entitled to fair due process and letters to be processed without delay. WILLING TO SUBMITTED ENVELOPES THAT SHOWS " RETURN TO SENDER ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: Receivables Management Partners, LLC
State: MI
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 is a matter that happened 22 years ago ( XXXX ). The community I lived in took me to court even though I was no longer on a lease, and had a month to month agreement. I moved out and left no forwarding address. It was n't until after I found out about the judgment. Fast forward to XXXX they take my tax return in compensation. Fine. Now it 's XXXX and I get a phone call from a collector telling me I owe {$3900.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-13
Company: EQUIFAX, INC.
State: NY
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 they violated my rights. 
Please delete the following items : XXXX FCU Account Number : XXXX XXXX XXXX Bankruptcy Case Number : XXXX XXXX Account Number : XXXX MUNICIPAL XXXXXXXX XXXX  Account Number : XXXX FIRST XXXX BANK Account Number : XXXX XXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
EXPERIAN KEEPS VIOLATING THE LAW. ON MY CREDIT REPORT ( PROOF ATTACHED IN THE FORM OF AN ATTACHMENT ). SHOWS THAT THEY OPENED UP A DISPUTE TODAY XX/XX/2020 AND I DID NOT CALL THEM OR MAKE CONTACT WITH THEM TODAY. THEY ARE INCORRECTING DISPUTING ACCOUNTS AND PLACING FRAUDULENT STATEMENTS ON THE FOLLOWING ACCOUNTS AND IT IS MAKING IT DIFFICULT FOR ME TO GET A MORTGAGE. 

1. XXXX/XXXX  2. XXXX 3. XXXX XXXX ( TWO ACCOUNTS ) XXXX. XXXX/XXXX  5. XXXX XXXX 6. XXXX/XXXX  THESE ACCOUNTS WERE NEVER DISPUTED, THEY WERE NEVER QUESTIONED AND YET EXPERIAN KEEPS PLACING FAKE DISPUTE CODES AND REMARKS ON THESE ACCOUNTS TO MAKE ME LOOK BAD. THE BANK SEES IT AND SAYS WHY ARE THESE ACCOUNTS IN DISPUTE AND THEN I HAVE TO TELL THEM THAT I HAVE NOT DISPUTED THEM. 

WHY DOES THE CFPB ALLOW EXPERIAN TO KEEP DOING THIS. I AM SICK AND TIRED OF SEEING THIS STUFF ON MY ACCOUNT.

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 2019-02-27
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:
I have a few issues on my credit file my name is XXXX XXXX XXXX, please delete the other variation of my name my name is listed wrong please correct. The following addresses are not mine please remove : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX I have some unverified accounts that I have never done business with these companies : XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX a # XXXX. 
Federal Law requires that you provide mechanisms to ensure that each item on my credit report actually belongs to me. If the above items are inaccurate, misleading or incomplete you may have  violated federal law.

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 2019-10-24
Company: Bliksum, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
During a time of separation my wife took out a predatory loan. My wife speaks only XXXX  and went to LoanMe. They told her what the payments were but intentionally hid the high interest rate. She was unable to make the payments so they sued her in XX/XX/2017after saying that she was served at an address we had not lived at for some time. There could not have been service at that address. Now that we are aware of the judgment we have made reasonable offer they refuse to come to a reasonable amount. They took advantage of the language barrier then used the legal system to bully her. I believe AB 539 was recently passed which protects consumers like my wife. I believe LoanMe is in violation of 22302 of the Financial Code as demonstrated in a recent case De la Torre -vs.- Cash Call, Case No. 08-cv-03174-MEJ. The California Supreme Court held this type of loan practices unconscionable under 22302 of the Financial Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
My personal information was exposed in the XXXX, XXXX XXXX and XXXX data breach. And on XX/XX/22 a account from XXXX XXXX Bank prime loan credit builder was open without my permission and reported to my XXXX, XXXX and TransUnion 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 non-monetary relief
Consumer complaint received 2020-09-16
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: Information belongs to someone else

Complaint:
There is a medical bill that does not belong to me. Please remove it in its entirety. Additionally, there are inquiries on my credit report in which I did not allow without my permission. Remove that as well. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a previous dispute and as I was reviewing my account I noticed another charge that I did not make. I started the dispute process. It now has been 14 days since the claim has been reviewed and I have yet to receive even a provisional credit. I have never nor will I ever have XXXX  so that charge is not mine. I even advised them of my police report that was filed.

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 2020-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 60 days later I have not received a response yet. I also sent another letter on XX/XX/2020 And still nothing! I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-04
Company: GUARANTEED RATE INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Am unsure if this qualifies as a complaint at this time, as a mortgage has not actually been started. But, that is my issue, multiple attempts to get Guaranteed Rate ( XXXX XXXX [ sp? ] ) to respond to us and start our process have gone unanswered in any form.

Escalation to their Branch Manager ( XXXX XXXX ) did get a limited response, telling us they will start things now, but we are going to miss our closing date. 

Is there at this time a complaint, or is there another regulatory authority I should be contacting?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-18
Company: United Resource Systems, Inc
State: AZ
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:
# 1 THIS WAS NEVER ON MY CREDIT REPORT, XXXX STATED IT BELONGED TO XXXX XXXX XXXX, I WAS GIVEN INFORMATION ... ..THIS COMPANY JUST RECENTLY PUT THIS ON MY CREDIT! JUST BECAUSE I MADE CONTACT AND WAS GIVEN SOME INFORMATION THEY PUT THIS ON MY CREDIT. IT NEEDS TO BE REMOVED. I WANT THIS SENT BACK TO THE CLIENT IF IT IS MINE AND I WANT TO BE ABLE TO HAVE MY FIRST INITIAL CONTACT WITH THE ORIGINAL CLIENT. I WOULD NEVER OF HAD SUCH A DEBT JUST GO INTO COLLECTION TO BLEMISH MY RECORD. THIS NEEDS TO BE TAKEN OFF MY CREDIT AND I WANT PROOF THIS IS MINE I WANT DOCUMENTATION ... I WANT SIGNATURES ... .I WANT A COPY OF MY PERSONAL INFO THAT I PROVIDED TO YOU ... IF IN FACT THIS WAS MY DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: EQUIFAX, INC.
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:
Ive sent numerous letters to the credit bureaus and to XXXX asking them to verify the late payments on my credit report. I never received proof of my late payments. Also I learned that reporting late payments that arent verified are against the law. In addition according to 15 USC 1681 ( a ) ( 4 ), I have a right to privacy and I havent been able to exercise that right.

Company response to consumer: Closed with explanation