BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-04
Company: AmeriHome Mortgage Company, LLC
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 status incorrect

Complaint:
I lost my job in XX/XX/XXXX due to Covid. My husband and I contacted Amerihome Mortgage to advise that we were unable to make payments on time but we were continuing to make payments in full on our mortgage. The only relief that was presented was a forbearance. We decided in XXXX to apply for the forbearance. Our account at that point was up to date. We were advised that the full late amount would be due at the end of XX/XX/XXXX. We decided to sell our home and paid in full for the debt secured by Amerihome prior to the due date. We noticed 90 days after delinquent payments and open account were still showing on our credit report. We contacted Amerihome on numerous occasions, emailed, and faxed our documents to their credit and satisfaction department with no help. To date, our credit report still show open and delinquent payments from XX/XX/XXXX-XX/XX/XXXXWe were on time on the mortgage payment in XX/XX/XXXX and the previous payments were made late but notified to our lender ( Amerihome ) prior to due to Covid ( loss of my job ). We are currently trying to purchase a new home and this is greatly affecting our credit and preapproval for a new home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: EQUIFAX, 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 am a victim of identity theft and I have contact the collection agencies and the credit reporting bureaus several times in hope of resolving this matter and correcting my credit report, but Equifax continue to violate the FCRA by reporting erroneous information in my credit report. The erroneous information comes from a XXXX XXXX XXXX for {$75.00} and XXXX XXXX for {$780.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: DISCOVER BANK
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
Beginning in XXXX, I got involved in a scam on my Discover Card, which had a {$12000.00} credit limit. I didn't know that it was a scam in the beginning. I got 2 or 3 cash advances - all within the limits of the card - over a period of time. I did the cash advances - the person I was helping financially did NOT have access to my card or card number ; however at some point, he was able to hack in to my account or do a card takeover. He made a payment on my account and then before the payment could clear, he recalled it. This happened twice AFTER I got the cash advance. Needless to say, this put my card way over the {$12000.00} limit. I ended up owing {$30000.00} ( +- ) on the card instead of the initial {$10000.00}. When I contacted Discover to say, " hey, I didn't do this and why did you allow this to go over my credit limit! '' they insisted that I had participated in the scam and are holding me responsible for making payments. 

In XXXX, out of desperation to not further damage my credit, I asked if they could help me. The lady I spoke with was very nice and also didn't understand why I was having to pay for this scam. She set up a hardship program for me where I now pay {$530.00} a month for 5 years on this debt - debt that I did not create and isn't mine to pay. They are continuing to victimize me by holding me responsible. I sent them a Certified letter a few months ago - return receipt requested - and repeatedly called them. They have failed to do anything that is beneficial to me. I even asked them to restore my card back to the credit limit of {$12000.00} and let me pay that even though that's more than I originally owed on it and write off the remainder of the charges to fraud since I didn't create this mess. They have refused repeatedly. 

This has created a very big hardship on my family. My husband is retired, income is set, and I can not continue to pay this debt for 5 years ... I had to take on a second job to be able to do this and at XXXX years old, I can not do it long term. Its ridiculous that I should have to pay for someone else 's evil doings. I repeat, I DID NOT give anyone my card number ... all I did was try to assist someone who said they needed financial help. Admittedly I was too quick to trust, but I should not be responsible for the evil doings. It appears that this person did a credit card takeover! I would appreciate any help that you could give me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-09
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: Report provided to employer without your written authorization

Complaint:
I told XXXX, XXXX and Equifax I looked at my consumer report and I noticed errors with my personal information : As far as I know by the laws and regulations, any and all others are inaccurate and/or outdated information must be deleted immediately from my consumer report as they are not reportable as per the FCRA since they are inaccurate Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 


1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately 2. The inquiry was not authorized XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX Please Delete Immediately 4. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please Delete Immediately. 
5. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 6. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 7. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 8. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX XXXX Account Number : XXXX Please Delete Immediately 9. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX Please Delete Immediately 10. Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave you any written consent to report anything on my consumer report no consent is identity theft. 
XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-25
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have collections on my account which are not mine. Ive sent a Dispute on all my 3 credit scores 2 weeks ago and have not receive any results. Please have collection removed which are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company responded to my complaint, and responded that this account was no longer valid and 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 non-monetary relief
Consumer complaint received 2017-09-17
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: Account information incorrect

Complaint:
Hello Again CFPB : Now its my hopes that the Consumer Financial Protection Bureau is discriminating against me as a XXXX XXXX Consumer. NoW with that said, let me implore my right to file a complaint under Federal Law with CFPB, THANKS. 

Experian Credit Reporting agency is attempting to suppress my XXXX credit report by 1. Showing a Balance owed with XXXX XXXX XXXX XXXX in the amount of {$42000.00}, a Equity loan that I made as an XXXX man and paid off, but these XXXX XXXX are showing balance still owed, but I 'm contacting CFPB first and I 'm owed {$1.00} XXXX dollars by the government, upon receiving this, Experian, XXXX, and XXXX has to answer me in Federal Court, I 'm good at what I DO! 

2. Now because XXXX XXXX XXXX would n't include my XXXX mortgage loan on my Experian credit report, XXXX I 'm still in charge, XXXX the new ( server ) is on the job, on the block, and do n't think for one minute CFPB I do n't see you role in not having them report my Mortgage, see you do dirt and ignorant XXXX legally happen, but I want CFPB to understand, I know why you did n't investigate, did n't fine, did n't prosecute Experian for not adding Mortgage to my account, but its Ok, I going to subpoena your General Counsel to prove suppression, compromise, injustice, and discriminatory allowable practice by CFPB in its role. 

Lastly, XXXX I know that you folks at the CFPB has notes by my account, to not assist, because of the Power I possess and knowledge concerning DODD/FRANK, FTC role to not assist XXXX Consumer against XXXX, but I going to pick this conversation up and run with it and tell my story and sue and be compensated for telling the TRUTH, WOW! There 's no body stopping me, but me. Now as for my credit report, I 'm well aware of accounts with balances, 28 accounts to be correct, well this rat XXXX at the XXXX XXXX XXXX XXXX, XXXX XXXX, a XXXX, did n't like the way I was able to talk boldly with this crook and he sabotaged my loan request to pay credit cards off, but guess, I still have over {$53000.00} worth equity in my house, I 'm still retired, and still receiving my retirement income, got it! I fight, legal fight all injustices against XXXX consumers, period, but I fight in the courtroom, I 'm 12 and 0 to-date, not an attorney, but I was trained well for 30 years plus in the business world and I consider myself pretty XXXX good following the Rule of Law against XXXX crook, and prejudice rat XXXX when they think you do n't see what they are imploring with XXXX games.

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 2019-03-01
Company: CARD Corporation
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I had fraudulent activity and unauthorized charges on my card with card.com. When I found out I reported my card stolen. This happened onXX/XX/XXXX I spoke with a representative o. XX/XX/XXXX to submit the fraud I had several charges in the amount of {$550.00}. Sent all my documents back to the company and I was advise that I had to wait 10 business days for a provisional credit I was also advice that I need to call the company to have the pending charges release so they can credit my account. I advise them why do I have to wait so long for my hard earn money when I didn't create the charges. I advise them That I had to pay my Bill 's and i need my funds asap. To this date still no review. When i seen banks give provisional credit within 2 days are the same day. I feel like this company makes up there own process and doesn't comply to the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: Consumer Portfolio Services, Inc.
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I requested CPS to cease and desist calling me and they did not comply. This occurred beginning of this area. They threatened to take legal action for paying a couple days late. I was told by.CPS that my credit will be affected if it 's a day late. They have bad reviews and do not comply with state and federal laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
When I purchased the house there were agreements made for repairs ..they were never repaired. XXXX bank owned it and in a month sold to wells fargo. The realtor assured us we only needed him it was a home that requires inspection for the type of loan it was Attached is pictures of contract. The add for The home was placed by tidewater properties XXXX XXXX XXXX was our realtor. My wife became deathly ill and we could figure it out nor could the dr.it took years.. andover those years many more problems became apparent .. the roof was never fixed called the contractor who did the work.. they told him to bandage it to the best of his ability. The air-conditioning company could not reach drain lines for condensation it ran under the house. The new pipes in the add was untruthful it was old steel pipes ..no lead inspection.. and ad water reports. Dispite this we worked with the bank let them know of problems the house is condemnable. The well was 30 feet. The inspector XXXX XXXX was friends with XXXX XXXX ..he passed the house.. lost my job of 15 years to take care of my wife who was dying with no answers ... We did forbearance in hopes of saving the house made 7000 lump payment. We had pmi on the home we consistently shared this info with wells fargo. State farm dropped our home owners insurance dropped us because it was unsafe. Also let them know. Mold started to appear from the unfixed roof 5 layer of shingles in spots ... water was running in the walls first was green mold then black mold and finally purple the most deadliest mold.. my wife was diagnosed with lupus sle with organ involvement XXXX XXXX and XXXX  she has XXXX been in comas my kids watched thier mother XXXX infront of them and me loosing my wife XXXX XXXX XXXX and XXXX  are a deadly combo.. we also found that behind the wood paneling was nothing but frame work no insulation. We informed the bank we feel they were fraudulent sold the house and so we're we .we notified the bank every step wells fargo. XXXX  to be workingt things out..we put every bit of cash we had to bbuy this hhouse wew were working on deed in lieu and other options when they sold my mortgage to rushmore hous

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
MCM XXXX XXXX XXXX is keep sending me repeated letters regarding a debt that is past the statute of limitations and even says so in the bill they sent me. Even says if I do pay that it would enable them to sue me for the entire debt. 

I have asked this company to delete my record as past the statute of limitations. 

account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
ACH tax refund deposited into erroneous account on XX/XX/17 in the amount of {$3000.00}

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 explanation
Consumer complaint received 2019-03-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had an initial mortgage loan with XXXX XXXX created in XXXX. In XXXX this mortgage was transferred to SELECT PORTFOLIO SERVICING , inc. From XXXX to current I've been paying taxes through escrow with little variation in my monthly payment. In XXXX the mill rate was based on a fair market value of {$200000.00} and in XXXX the mill rate was based on a fair market value of {$130000.00}. AGAIN, there was little variation in my monthly payment during this time and clearly my property taxes being paid through escrow were significantly lower. 
Despite all these facts, XXXX XXXX claimed a {$2900.00} " escrow advance '' during XXXX just prior to the transfer to SPS. Keep in mind they only paid {$1700.00} to the county in taxes! RATHER THAN SPS disputing this " advance '' they applied this to my loan as a fee that would ultimately create " fees '' and " charges '' of {$8700.00} in total as of XXXX! 
SPS continues to justify this fraudulent charge of {$2900.00} an all the subsequent fees and charges rather than removing from our account immediately. 
I've submitted to SPS the tax payment record from XXXX direct from my county showing exactly what was paid by XXXX XXXX during XXXX. Why is this legal?!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: SOUTHWEST COLLECTION SERVICES INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is additional documentation to fully explain the collection and it's lack of validity. This debt has past the statute of limitations as per the new law in California where a debt can not be collected or put on a consumers credit report if the last billing is 4 years or older. This debt is XXXX years old to date. Please review letter to explain all details and the exhibits to back up to include court orders, etc. 

I offered a settlement and the collector refused to make arrangements with even though I don't owe the money, he said he was going to ruin my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: Experian Information Solutions 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:
On XX/XX/2021 I received a letter from XXXX XXXX  stating that I closed my account balance was paid in full. This bank reached out to me offering a concession to pay this balance to XXXX. It was to eliminate the exuberant 29.99 % interest. The bank reported that i closed my account and the credit bureau dropped my FICO score 81+ points. They further reported a late payment for the Month of XX/XX/2021 which further reduced my score. The C/Bureau unfairly limits your ability to type alpha numeric text to XXXX characters and does not allow you to drop a PDF over 6mb which restricts your ability to efficiently and effectively communicate your dispute.

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 2018-09-27
Company: Exeter Finance Corp.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I financed a XXXX XXXX XXXX through Exeter finance on XX/XX/XXXX and I have made 50 payments at this time. On XX/XX/XXXX I decided to trade in this vehicle, but when my credit report was ran this loan has not been reported to any of the three major credit buraus. I contacted Exeter on XX/XX/XXXX and spoke with two different people and no one could explain why or fix the issue. I contacted them again on Monday XX/XX/XXXX and spoke with a supervisor who told me someone by the name of XXXX XXXX from XXXX Texas sent them a letter in XXXX of XXXX asking them not to report my payments. I sent Exeter an email about their mistake and they continue to refuse to correct the issue. I called back on Tuesday XX/XX/XXXX and spoke with several people and they continue to refuse to fix their mistake. Now I am stuck with a vehicle that I no longer want. I feel like this company should be held responsible for their fraudulent actions and solve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: EQUIFAX, INC.
State: MS
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 submitted several attempts to ask credit bureaus to fix a simple with an account with XXXX XXXX They continue to report this account late, and have shown late for several months. The account says payment not due until XXXX/XXXX/9999. I was under assumption I had until XXXX/XXXX/9999 to make payments. They havent told me or mail me anything stating anything different. Credit bureaus has ignored my response and continue to report this account inaccurate.

Company response to consumer: Closed with explanation