BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-23
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I ran into a finacial hardship and attempted to submit an application to my mortgage company for their hardship assistance program. When I first spoke with the mortgage company, I was advised that the process would take 30 days to review my application after it was recieved. I was also told that I would not occur any late fees while the application was being revewed. 
After I initially submitted my application in XX/XX/XXXX, I recieved a letter stating that more documantation was needed for my application. I faxed in several supporting documents including my pay subs, my HOA agreement, and other supporting documents. In XX/XX/XXXX, I received a letter stating that my application had expired since I did not responed with the needed documents within 30 days. I resubmited the entire application along with all of the supporting documents. On XX/XX/XXXX, I recieved a letter stating that my appliction was denied becasue I never sumbmitted my HOA agreement ( which was previously sent in twice ). The letter was dated XX/XX/XXXX and gave a deadline of XX/XX/XXXX to have the documents returned. No comunication was made in regards to this needed documantation besides the letter I recieved in the mail on XX/XX/XXXX. I called into the office of the president as soon as I got the letter, and was told that my application had been denied since I did not get the documents in before the deadline, but as a courtesy they were wiling to reopen the application. I resubmitted my HOA agreement the next day. I received a phone call on XX/XX/XXXX stating that underwritting would not accept my application since the HOA documents did not contain the monthly due amount. After reviewing the document with the agent on the phone I was able to point out that the documents did in fact have the due amount listed on the document. 
At this point I was told that they would follow up with underwritting. I recieved a phone call on XX/XX/XXXX stating that they were unable to process my application again. This time I was told that although they were able to reverse their decision on my HOA documents, now all of my pay stubs and bank statments were too old and I needed to resubmit current documents. I was told after I resubmitted these docments it would take another 30 days to review my application. 
Durning this applicatoin process my wife and I were unable to move foward and develop a plan to bring the account current since we were waiting on the outcome of our assistance request. Although the mortgage company admitted that they told us that we would not get charged any late fees while we going through the application process, they advised us that in fact they had been charging us fees the entire time. The mortgage company admitted to their mistake and waived 1 months worht of late fees

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
During the Great Recession, like so many Americans, I financially struggled to pay my mortgage and faced foreclosure. I also had health issues and was diagnosed with XXXX XXXX. Making every attempt to keep my home I contacted the mortgage company, XXXX  XXXX  XXXX, for mortgage assistance options. 

As I worked to follow Aurora Loan Services ' instructions, which were often misleading, confusing and untimely, my account incurred fees which were never waived as promised. The deferred fees were transferred with my account when it was sold to Nationstar Mortgage and now total approximately {$1400.00}. 

XX/XX/2019, I suffered a XXXX XXXX exacerbation that rendered me unable to work. My health has forced me to apply for XXXX and I contracted XXXX XXXX which created even more challenges. I am now seeking mortgage assistance on two mortgages with Mr. Cooper. One modification has been denied twice and is currently pending after Mr. Cooper ordered a property valuation that was my financial responsibility. The other mortgage that was sold to Nationstar is under forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX XXXX is reporting on a debt that I do not owe. This debt was included in my bankruptcy # XXXX in 2012. Not only was this included in my bankruptcy, it is now past the statute of limitation. XXXX  XXXX XXXX is clearly in violation of the Bankruptcy Law act, and this account needs to be removed off of my credit file.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX Balance : {$400.00} ; XXXX XXXX XXXX Balance : {$420.00}

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 2023-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You are in direct violation of The Fair Credit Reporting Act ( XXXX XXXX XXXX XXXX XXXX ). 15 U.S.C 1681 section 602 A. clearly states that I have the right to privacy. 15 U.S.C 1681 section 604 A. Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open- end consumer credit plan as late for any purpose. Remove this late payments and update the accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

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 2020-07-14
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax ; XXXX  and XXXX  are reporting incorrectly that I am ( 30 ) days past due on the XXXX  partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Military ID for identification purposes to proceed with investigating this complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have been trying to get these fraudulent accounts removed for a while. Ever since i have learned how important credit is and I've been trying to build my credit. Please get these account removed they are negatively affecting me and its not my fault. I have gotten a police report, disputed these and nothing changes. It shouldn't be this hard to remove items that I didn't open please help.

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 2023-02-08
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Unable to access my accounts online due to a system upgrade done by the bank last Friday So far its been four days without access. No forecast as to how much longer.

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 2017-09-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
major companies affected : XXXX ( oil ) and XXXX formerly know as XXXX XXXX XXXX capital ONE XXXX XXXX 1- will not work w financial hardship 2-closes acct on basis of chXXXX attempted but all future offers of credit refused because company wasnt paid ( I excised my right whether upright law executed it is another matter. companies can not act in this manner to refuse new acct based on credit options excised by consumer. ) 3-refuses to remove spurious charges ( extra interest, etc. wants full payment on acct ) and makes claim that they are unable to work with people without an attorney on retainer, yet when I had one on retainer, ( upright law ) they still refused. 

when claim is made it is under threat of lawsuit and over the phone, never in writing ( XXXX on behalf of XXXX XXXX ) and consumer " Must respond immeadiately '' to collection efforts. These companies are not being help responsible. 

capital ONE explicity : 1-WILL NEVER DELETE bad info about consumer. 
2-extends credit repair terms to 12 mos vs 6 for credit extensions 3- will not issue even a secured card which the consumer has to issue money for because of above.
4- refuses to turn acct over to people who might give a XXXX about consumer rights, but claims they are not covered under FCRA law.THIS IS EXTORTION. 

My income can not be garnished. Get a clue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-12
Company: Strategic Alliances, Inc.
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to get my PMI cancelled. My current principal balance is XXXX. I believe the market value of my home is greater than XXXX. For reference, Quicken 's own refinance tool estimates my home 's value at XXXX XXXX says XXXX. Quicken is stopping me from cancelling the PMI by stating that : 1. I must have the loan for 2 years before I can request a reappraisal 2. I must have done some major renovations / structural add-ons Neither of these are supported by the note or accompanying PMI disclosure I signed at closing. 

I'm also told that even if they did perform an appraisal, it would not be representative of the current market. XXXX that helped me stated that even though the houses around you are going for a more expensive amount, our appraisal will primarily just focus on the improvements you've made with little consideration for the actual market-value of the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-19
Company: SYNCHRONY FINANCIAL
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Synchrony bank stating still owe on account despite reaching settlement terms and paying installment to them 5 months after the fact. When trying to log in to my Synchrony account to prove terms no information shows. I've requested multiple times said debt and noted agreement and am only told they'll be sending me a letter, but only send email.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-05
Company: Genesis FS Card Services, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not liable for this debt with Indigo/Celtic Bank . They have yet to provide me with the original application as requested. This is my third attempt to remove as this was not my account nor can the company provide proof. I demand that this " charge-off '' in the amount of {$300.00} be removed immediately. This has been ongoing since 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-14
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I needed to renew my income driven Repayment Plan on my loans. I was paying a bit under {$30.00} a month and although my income changed a bit they are quoting me {$800.00} a month. After I was asked to resubmit the appropriate application and proof of income they quoted me {$280.00} but keep stating they do not receive my paperwork. I have mailed in by paper 2 times and uploaded all necessary paperwork on their web page 4 times. Each time being told that something was still missing. Today was the 5th time I am sending proof of income. I am told to call back on Thursday to see if it is received and if my payments will change ( for the 4th time ). 
Note to others out there : Always take names and dates of who you speak to and send mail certified.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-24
Company: EQUIFAX, INC.
State: SC
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 reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected from erroneous reporting in my file are listed on my credit report : 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 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 2021-07-16
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:
I XXXX XXXX, rights of privacy have been abused and breached by this bureau which could be a direct violation of government law. This bureau is additionally in infringement of government law by detailing deluding accounts on their site without my authorization. This bureau is reporting inaccurate data on their site and based on the federal law, it is the bureau 's XXXX XXXX to guarantee fairness, unbiasedness, and a regard for the consumer 's right to privacy. Their carelessness has caused me trouble and I'm seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have sent several letters via certified mail to XXXX XXXX, Transunion, XXXX  and XXXX  regarding a Car Repossession listed on my credit report. I have disputed the account for unfair and inaccurate reporting numerous times to no avail. I have also asked for the method of validation of these inaccuracies from all three credit bureaus only to be sent their computer generated verified as accurate letter from TransUnion, XXXX  and XXXX. The account still to date has inconsistencies reporting to all three major credit bureaus. For instance, on TransUnion the last pay listed as XX/XX/XXXX. Same account via XXXX  last pay listed as XX/XX/XXXX. And XXXX  last payment date is unknown. The account was previously listed as closed with no known updates since XXXX of XXXX. That is until XXXX  updated payment history on XX/XX/XXXX and TransUnion on XX/XX/XXXX with 20+ late payments as well as XXXX  dating back to original close date. I also noticed that each month from XX/XX/XXXX until now XX/XX/XXXX XXXX XXXX has been continuously updating the balance each month and accruing interest on said closed account. According to my credit report in XX/XX/XXXX the balance was {$13000.00} as of today XX/XX/XXXX the balance is {$15000.00}. Thats a difference of {$2400.00} in interest on a closed account in repossessed status. I find this to be not only illegal but unethical on XXXX XXXX  behalf. I also find that all three bureaus are blatantly refusing to uphold the laws set forth by the FCRA for continuing reporting this false information. From my understanding XXXX XXXX is already involved in lawsuits and litigations by several other previous clients for these exact practices amongst other unfair account handlings. I am requesting that XXXX XXXX, Transunion, XXXX  and XXXX  remove this erroneous information from my credit report and that it also not be reinserted onto any of my credit reportings at a later date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-06
Company: EdFinancial Services
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I put a refund request into EdFinancial on XX/XX/2022 for payments made during the XXXX payment moratorium, based on guidance from the Department of Educations website. During this time I have called EdFinancial multiple times to get a status update on the process and to confirm the amount that will be refunded. 

They have never been able to provide me with an amount that is being refunded even though they say that it is processing. About two weeks ago {$190.00} was added back into my account which I assumed signaled the start of the refund process. The amount was odd since I've never made a payment of {$190.00}, my typical payments were {$270.00}. The representatives I spoke to couldn't give me an answer of why the amount was off. 

When I asked if a check was noted as being process sine the amount was added back into my account, they told me they couldn't confirm that information. When I asked about how the refunds are being handled they still noted a 4-6 month time period even though the process has started. This amount is much longer than the 72 hour refund window other providers have been offering. 

In general there's been a lack of transparency which, from what I've read of other 's experiences, seems to be common with this loan provider and would like to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: EQUIFAX, 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 sent a letter on XX/XX/XXXX, to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any of these items not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint and I am including it again. 

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 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 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