BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-03
Company: AmeriHome Mortgage Company, LLC
State: TX
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:
This is the 3rd time I've had to address my Amerihome mortgage  account about errors in reporting my account to the credit reporting agencies. The latest inquiry was sent directly to Amerihome on XX/XX/XXXX and an acknowledgement email was sent and received on XX/XX/XXXX with Reference number : XXXX XXXX In the request for investigation I included two attached copies of the XXXX XXXX report where it shows my XXXX XXXX account reporting adversely and incorrectly. I included the dates this error was made previously and subsequently corrected however the letter I received today XX/XX/XXXX doesn't acknowledge the evidence or the reason for the investigation and reads as if it is unwilling or unable to process the simple request. I have never ever been late or missed a payment since I got the mortgage in XX/XX/XXXX and the credit reporting does not reflect this fact at all. The error is occurring on one report as of XX/XX/XXXX in my annual review of my credit files I receive from XXXX XXXX XXXX. I am escalating this issue because AmeriHome mortgage had all the necessary information to correct this error and adverse reporting in the XX/XX/XXXX but failed to remedy the harm it is causing my credit score and rating by carelessly sending erroneous data to the credit bureau. The first time this same error was caught by me was back in XX/XX/XXXX and a letter was sent on XX/XX/XXXX about the adverse reporting. This account should not be reporting negatively at all in no shape or form. I work very hard to pay this mortgage on time every month for the last 4 years so I would like to be treated fairly and like a valued customer. I will attached all previous correspondence and evidence that Amerihome already has to expedite the resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-02
Company: SYNCHRONY FINANCIAL
State: TN
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 account was paid and was not in collections, this is only showing up on XXXX and XXXX. 

XXXX is a fraudulent account and was investigated by my bank and was shown as fraud. 

XXXX is reporting multiple times and for several different amounts when these loans have been consolidated and put through the XXXX department of education. 

XXXX XXXX credit card was lost or stolen and reported as such on transunion but the other bureaus have the wrong information. 

XXXX has inaccurate information for the last date active and it was filed under bankruptcy from the joint account holder. 

XXXX has inaccurate information reporting and multiple accounts with different balances. The information completely false. 

XXXX is reporting a 30 day late and the payments were never late for this account. 

Walmarts information is inaccurate and I canceled the card not XXXX. 

XXXX is reporting 90 days late and that is inaccurate information. All payments were auto drafted and paid on time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a loan with Quicken Loans ( loan 1 ) and then refinanced to a second loan, also with Quicken loans ( loan 2 ). I closed on loan 2 on XX/XX/XXXX, satisfying the obligation of loan 1. Payment on loan 2 was not due until XX/XX/2021. 

On XX/XX/XXXX, a payment was drawn against loan 1 ( which was paid in full ). I did not have sufficient funds in the related account, given no payment was due on any loan I had with Quicken. The payment NSF and overdrew my related checking account. The transaction eventually did not settle. I cancelled authorization for autopay on XX/XX/XXXX on the fully paid loan 1. 

On XX/XX/XXXX, Quicken attempted to re-draw the payment on loan 1, despite this loan being closed and paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Diverse Funding Associates LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
XXXX of my relatives received a phone call from XXXX to locate me but they refused to provide an information. I called them and they said I have an unpaid debt from XXXX XXXX and did not provide me enough information but only provide a named XXXX XXXX. Also, they refused to tell me which company they are calling from and threaten to file a lawsuit against me. I tell them I will call my creditor for more information. Later on, I spoke to the creditor, they provided me the 3rd party collection information called DNF Associates ( who actually is handling my account ). I called XXXX XXXX and told me to get information for DNF. I realized this guy was being shady.

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 2020-12-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Was not getting any of my benefits only was reviving it for 3 months also having trouble with my debit card when I went to make a purchase always said declined Bank of America all ways gave me issues

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 2020-11-20
Company: Skopos Financial, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On Friday XX/XX/XXXX at XXXX, I received an unsolicited text message from Skopos Financial who is my auto lender regarding make a payment today and we will waive up to XXXX in fee 's. Currently my account has approximately XXXX in fees that would qualify for this program. I called the company to advise them about the text message and they said yes it is a valid promotion if you make a payment today with us we will waive up to XXXX in fee 's. 

This was outstanding news because they will be receiving my payment today in the mail that my bank 's bill pay service sent them. 

After two phone calls, with two different representatives, ( XXXX and XXXX ), I advised them about my payment, gave them the check number, even validated that the check was withdrawn from my account on Friday XX/XX/XXXX. They would not honor their promotion. Every time it was something different. 

The total amount I would have benefited from the promotion would be {$310.00} which is broken down below. 

Late Charges XXXX Other Charges XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-21
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have a documents showing paid in full as of XX/XX/2021. Numerous attemps to send the documents that Conn 's Furniture sent me they will not take this off my credit and will not stop emailing me to make payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: EQUIFAX, INC.
State: FL
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:
Hello, I do not recognize these accounts. I believe I became a victim of identity theft. I am requesting that you delete information off of my credit report that isnt mine. I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I do not have any contracts or agreements, or documents with these companies. Please I kindly ask you to take appropriate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 been a victim of Identity Theft. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. Please block, remove or delete this information pursuant to section FCRA 611.

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 2017-08-09
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:
In correspondence dated XXXX XXXX, 2017 I mailed this credit repository my request for a dispute, as my credit report contained a number of erroneous entries.
Now that over 30 days have passed I have found this company barely investigated any items and my report is still largely incorrect. In addition, when I reached out the data furnishers they claimed not to be reporting any of the errors the credit repository is showing and claimed they had not been contacted by the repository either.

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 2018-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 XXXX XXXX report on my inquiry XX/XX/XXXX on XXXX. Did not apply for credit with this creditor and did not give authorization. Called XXXX and XXXX to remove from my inquiries no action taken. 

Capital One Auto Finance reported on my inquiry XX/XX/XXXX on XXXX did not apply for credit with this creditor nor gave authorization. Called both parties to remove the inquiry from my credit report. No action was taken. 

XXXX Card was reported on my inquiry on XX/XX/XXXX did not apply for a XXXX card and did not give authorization to check my credit. The inquiry was placed on my XXXX and XXXX XX/XX/XXXX. Called all three parties to have them remove it and no action was taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Inquiries that have no permissible purpose to appear on my credit report XXXX XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX I'VE CONTACTED EACH COMPANY AND THE EXPERIAN, XXXX  XXXX XXXX AND ASK FOR PROOF THAT I CONSENTED TO THIS INQUIRIES WELL AS THE ACCURACY OF THESE INQUIRES AND I SENT BACK AND FORTH IM NOW REQUESTING DELETION

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 2021-01-26
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
At some point in Fall XXXX, I was allegedly mailed notification that my flood insurance zoning would be changing. At the time, I was experiencing mail theft so I missed the notifications until XX/XX/XXXX when I saw that my mortgage charge was going up $ XXXX  monthly. Upon investigation, I found that there was an escrow shortage to the tune of about $ XXXX from my flood policy insurance holder, national flood insurance program direct servicing agent. For the last four months, I have been fighting with these agencies to determine why my premium is now so costly. For context, I live in a XXXX square-foot second floor unit, converted in XXXX with a new roof replaced in XXXX that has absolutely no risk of flood damage, because I ultimately only insure the inside of the unit. I also have a master HOA flood policy that provides more than XXXX of my required coverage from the bank, BBVA. For the last couple of months, going back-and-forth between the flood policy holder and the bank has been an absolute nightmare because I also got laid off in XX/XX/XXXX. Im able to pay my mortgage as is, but a raise of {$3600.00} dollars per year is not going to fit into my current budget. I have called and called, liaised with my condo policy carrier, state farm, and I keep getting nothing but arbitrary responses. I went ahead and bought a private flood insurance policy so that I could cancel the NFIP policy and pay less, and NFIP told me they refused to cancel my policy unless I sold my property. I am really stuck here and need help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: I.C. System, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from I.C. Systems dated X/X/17, in regards to a delinquent debt from XXXX in the amount of {$56.00}. This is completely incorrect! XXXX had initially set up my account incorrectly and they closed my original account to fix the incorrect account, which is the account in question, and rolled over any amount due to my new account number. I am in good standing and have paid in full every month! I called XXXX and a very nice woman was able to resolve this matter for me and confirmed this was a XXXX error. She advised I file this complaint against XXXX so this does not negatively impact my credit. XXXX gave me a Reference # to confirm the delinquent amount of {$56.00} should NEVER have been charged at all or turned over to collections. This amount was incorrectly charged in the first place. I have had nothing but problems with XXXX from the very beginning and they have been unable to fix problem after problem! This is the last straw turning me into collections for THEIR error! They are an absolutely ridiculous company and I am sad I am currently stuck in a contract with them bundled with XXXX XXXX. What a horrible experience! I am happy to provide any account and reference numbers needed for this situation. 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 2018-03-03
Company: Coinbase, Inc.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Company : XXXX  [ Coinbase ] I have been an customer for XXXX XXXX XXXX XXXX for a while and since first week of XX/XX/XXXX my account is disabled and unable to access. My account has around 25,000 USD hard earned funds. I have made more than 20 customer service calls and opened a customer support Case # XXXX on XX/XX/XXXX. It's been one month now and no resolution and giving me mental torture with standard template message saying " '' Thank you for reaching out Coinbase Support! I apologize if this has been taken so much of your time. We have been receiving a high volume of escalation recently and we are trying are best to respond as fast as we can. '' '' Please help and one month is lot of time for any financial company to resolve customer high priority issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: NORTHWEST BANCSHARES INC
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account is being reporter as a " Charge off '' it was never charged off and the balance is paid in full. This needs to be removed and corrected on my credit report. 


Account Info Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Secured Loan Balance on XX/XX/XXXX Loan Amount - {$10000.00} Payment Info Status Paid, was a charge-off Status date XX/XX/XXXX Past due amount - Original loan amount {$10000.00} Monthly payment

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 2020-12-11
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
im complaning because they have my money on hold and they are saying its idenity theft they are saying that somebody had stole my idenity my name is XXXX XXXX. and im having problems getting money off my debit card i have a chime card. u can reach me at my cell at XXXX please help me thanks and i like to report it

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-11
Company: Caliber Home Loans, Inc.
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Caliber Home Loans is not following the provisions allowed under the CARES Act for my XXXX XXXX loan forbearance extension request. 
The end of my initial 180 day forbearance period is XX/XX/XXXX. I received a letter in the mail explaining my options ( dated XX/XX/XXXX ), one of which is an extension of up to 180 days. 
On XX/XX/XXXX I called Caliber Home Loans to request an extension on my forbearance for the full 180 days. I spoke with 2 representatives who both told me their system will only allow a 2 or 3 month extension. 
XXXX XXXX and the CARES Act make it clear that if an extension is requested is shall be granted to the borrower. I feel Caliber is not allowing me the provisions that I am entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I have send all 3 credit bureaus letters to remove inquires which I do not recognized. None are from companies or businesses I deal with. I also have place a freeze on my account to prevent unauthorized inquires. They have ignore all 4 times I have send a request. 

Here are tracking for all the mail I sent plus others which I just put a postage stamp XXXX XXXX XXXX XXXX XXXX XXXX They need to remove those inquires as requested from all 3 credit reporting agencies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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   I have also mail the names of those who placed the inquires with to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Several years ago I purchased a washer and dryer set from Lowe 's. I set the purchase up for delivery ; however, Lowe 's did not deliver the appliances. I subsequently canceled the order and asked for a refund. Several months passed, and, I kept getting credit card statements showing a balance on the card for the purchase ; and, I called corporate several times to have this removed from my card. I asked them to make sure it's removed from my card and there are no negative remarks on my account or credit report. They ensured they'd do both.

I checked my credit report due to lower scores than expected and found Lowe 's reported my payments as being late for the card. I have not used my Lowe 's card since the incident in question, and, I know the remarks are pertaining to a purchase that I never had in my possession. This is grossly incompetent.

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 2020-07-23
Company: Experian Information Solutions Inc.
State: PA
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 REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT ON MY FILE. THIS NEGATIVE ACCOUNT HAVE CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. I FEEL LIKE I'M HELPLESS BECAUSE I HAD NO KNOWLEDGE OF THE ACCOUNT. I HAVE NO IDEA WHO WOULD HAVE MY PERSONAL INFORMATION ON HAND AND CAUSED A GREAT HARM TO MY CREDIT, BECAUSE OF THIS IT IS NOW HARD TO ACQUIRE NEW CREDIT. I AM REQUESTING A RE-INVESTIGATION INTO THIS MATTER AND I WOULD LIKE THIS NEGATIVE ACCOUNT OFF MY CREDIT FILE. PLEASE KEEP IN MIND THAT THIS ACCOUNT WAS NOT AUTHORIZED BY ME.

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 2017-09-15
Company: EQUIFAX, INC.
State: TN
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:
Equifax was hacked, and it 's coming out that they have really put the bare minimum into their security ( supposedly an important username/password for one of their systems was " XXXX '' / '' XXXX '' - which is just crazy, to be honest ). It 's actually bizarre how inept they are, and they have way too much important information to walk away from this unscathed.

Company response to consumer: Closed with explanation