BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-07
Company: AmeriHome Mortgage Company, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This pertains to loan number XXXX that we have with AmeriHome. We are guessing this issue is related to our attempt to recast the loan after they received {$100000.00} to reduce the loan principal on XX/XX/XXXX, but they could not process it and returned the money on XX/XX/XXXX, along with the {$250.00} administration fee. That was 2.5 months of holding our money! 

Currently, we are trying to pay our loan on-line ; via direct payment and ACH. We have also tried to repay this loan via telephone. In all cases, the account remains blocked by the modifications department. This was the group that was supposed to recast the loan, but worked so unethically and immorally that they had to return it per a previous response to my complaint. 

Note that people managing the messages area keep on line are saying that that loan is unblocked, and/or that we should remove all cookies. IN ALL CASES THE ACCOUNT REMAINS BLOCKED. 

To make matters worse and when we call in, the voice prompt says that we need to be aware that they are trying to collect a debt. We all know that AmeriHome is morally and ethically bankrupt and/or completely incompetent, but this is a new low. How can they say they are trying to collect a debt, when they are preventing us from paying the current loan payment. 

My guess is that AmeriHome is trying to punish us for cancelling the loan recast by preventing payment ; putting our credit scores in jeopardy and leading to delinquency. 

This situation has been going on for at least 2 weeks if not a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX Re : Notice for Proof of Claim Account No. : # XXXX To Whom it may Concern : This is a legal and notarized document. XXXX v. XXXX, XXXX. XXXX, XXXX XXXX XXXX. XXXX ( XX/XX/XXXX ) .States Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, XXXX XXXX v. XXXX XXXX XXXX  XXXX : XXXX v. XXXX, XXXX XXXX XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. 

Also, I have received a statement claiming that I owe a debt to XXXX XXXX and that you are the second collection company. Since this is an error, I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin.

6. ) Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days.

I also request to see a certified copy of any contract or agreement between you and XXXX XXXX  that gave you the right to collect this debt Account No. :XXXX Respectfully Submitted

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In mid XX/XX/XXXX I submitted disputes to the major credit reporting agencies via mail, the disputes where in regards to Identity theft that I was a victim of. Despite sending the correspondence to the noted addresses on their sites and in the format requested I received no relief or response according to the Fcra in a timely manner

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 2020-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to dispute the following information in my file. I've disputed these accounts in the past but the credit bureaus have ignored my requests.

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 2020-05-07
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
On XX/XX/2020, we paid off our loan with Kia Motors Finance. We still have not received our title and have tried on multiple occasions ( email, phone ) to get a status update. The company has not responded to our emails and repeated phone attempts have been unsuccessful.

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 2019-02-10
Company: EQUIFAX, INC.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I never applied for a credit card with XXXX XXXX. XXXX XXXX has not been able to provide a copy of my application with the correct Social security number of XXXX that is in my credit file. The documentation they provide of the application does not have my correct information. I did not open this account. The account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-10
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:
Several requests have been made to XXXX to furnish documentation showing I signed up for services. They also have not been able to provide any bills dated for the time period or the balance shown.

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 2019-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Several requests have been made to XXXX to furnish documentation showing I signed up for services. They also have not been able to provide any bills dated for the time period or the balance shown.

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 2019-03-18
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with Bayview since XXXX in regards to mortgage assistance. I have submitted all the documents, whenever we call in to get an update we are transferred to the point of contact, we have left several messages and he never returns any of our calls. We have set up appointments with him, to which he still never calls. I tried to call in to see if any one else can help me or to be transferred to his manager, but again I am transferred to his voicemail. How is one supposed to get any information or find out the status if my point of contact is not doing his job properly? Bayview is making this situation far worse and forcing me with no options. They now closed my application stating they are missing documents but will not tell me what documents are missing. They are making it more difficult to communicate and do what I am supposed to be doing when they are refusing to help me or return my calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Synovus Bank
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
First Progress ( prepaid credit card ) is a joke! A scam. Seriously, no one should use them. You get no monthly statements. The only one I received was when I wanted to stop using them. Contacting them is another joke. Picture an automated system that runs you around in circles. Over and over again, pushing buttons, and then the automated message says " good bye. '' ( Hey, you can't make this XXXX up! ) Then try getting your money back when you cancel with them. As I write this, it's been over three months to get my ( yes my ) {$510.00} dollars back from them. First it was two months. Then they told me it got mailed. ( total XXXX! never mailed ). Then they wanted me to fax them a statement saying " I didn't receive my money ''. My first question was " who uses faxes in todays world? '' ( Scam. ) My next question was " why don't you check to see if it was cashed? '' ( Of course they won't do that ... it's a scam. ) Called them back again, and now I have to mail it. People should run away from this company!!!! They are a scam! 

I've closed my account over three months ago and they still haven't paid me MY {$510.00} ON PREPAID CREDIT CARD. 

*****First Progress Platinum Mastercard Secured Credit Cards are issued by Synovus Bank XXXX XXXX XXXX GA, member FDIC XXXX card ending in XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-18
Company: ACIMA CREDIT, LLC
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I took out a lease with this company. I set up a bank account with them to pay at the store. I set up a catch up plan which was supposed to take care of my past due balance and advised them to delete the other banking info because it was not the correct account. I was assured they would do that. I did not have the amount agreed upon coming out of my account so upon logging into their online portal I see that they have a bank account listed for a prior lease I had years ago with them that they were attempting to bill, not the debit card I provided or even the bank account i originally signed up with. They attempted to tell me that it was just the name of the bank was changed, not the account number. But they charged me numerous fees in relation to the wrong account getting billed that they refuse to refund, have reported it as late 30 days on my credit report causing my score to drop XXXX points. I also find that using an account for a prior lease is a gross violation of my financial information and they would not take any responsibility for this and seemed like they were trying to cover it up that they did not input the correct payment information after numerous customer service requests and then were trying to collect payment by whatever means necessary with an account that was not in the lease agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-10
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: Account status incorrect

Complaint:
XXXX agreed in a letter sent due to a previos CFPB complaint to remove the account information and inquiry from my credit bureau for the XXXX XXXX XXXX. The credit inquiry still appears on my Equifax credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: LOBEL FINANCIAL CORPORATION
State: NJ
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:
XX/XX/XXXX I financed a car with Lobel Financial for {$13000.00}. 
XX/XX/XXXX I voluntarily surrendered the car due to the loss of my job. 
XX/XX/XXXX the car was charged off and no data was reported until XX/XX/XXXX. The agency has been reporting the account as charged off in the amount of {$13000.00} but also reporting that I'm missing the monthly loan payments currently past due. For the time I actually had the car I paid {$4400.00} in six months. The account has been in collections longer than I actually had possession of the car. I no longer have an open active car loan with them. The agency is showing that I have a recent balance due of {$18000.00}. The rate being added to the account changes monthly. I am losing credit score points due to false reporting from the agency. 

This debt is keeping me from gaining federal employment because it is showing as a delinquent account. 

I have disputed the inaccuracies with the company and the credit bureaus. There has been no change only that the account has been noted that I disputed it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: Experian Information Solutions Inc.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}

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 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 

XXXX XXXX {$1100.00} XXXX  XXXX  XXXX {$130.00} XXXX XXXX XXXX {$430.00} XXXX XXXX  XXXX {$1100.00} XXXX XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$370.00} XXXX XXXX XXXX  XXXX {$430.00} XXXX XXXX {$1600.00} XXXX   XXXX {$19000.00} XXXX XXXX XXXX {$330.00} XXXX/XXXX  XXXX {$530.00}

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 2020-09-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is me as consumer that is frustrated sending in my info such as my driver license and utility bill into credit bureaus, creditors and collections companies asking for documents that proved that these are my account but no response Are they update status staying it is verified with no proof to me. 
.On the date of XX/XX/2020 I sent out certified letter with return receipt to Equifax Information Services LLC at address of XXXX. XXXX XXXX XXXX GA XXXX didn't get the return receipt and they did response but didn't give me proof.I also sent a certified letter to XXXX  on XX/XX/2020 with return receipt no return receipt no response. 
I also sent out certified letter with return receipt toXXXX on XX/XX/2020 at XXXX. XXXX XXXX XXXX TX XXXX. Didn't get the return receipt or any response. 
I was inquiring to all 3 Bureaus about the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) that they are required by federal law to verify through the physical verfication of the original signed consumer contract.Under the FCRA, unverified accounts must be removed and if the credit bureaus are not able to verified proof, they must remove the accounts listed below : 1 ) XXXX  : is still on my credit report with Equifax deleted off the other two bureaus 2 ) XXXX  ( 2 accounts ) : are still on my credit report should be deleted 3 ) XXXX  XXXX  XXXX : was deleted 4 ) XXXX XXXX XXXX : still on my credit report should bedeleted 5 ) XXXX  XXXX  XXXX  : still on my credit report should be deleted 6 ) XXXX  XXXX  : still on my credit report should be deleted. None of the creditbureaus or creditors/collections have sent me proof of what was ask for in the letters that was sent. 
. So, by law these item should be deleted if no proof was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: EQUIFAX, 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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-01
Company: Navient Solutions, LLC.
State: AL
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 was a student at XXXX XXXX XXXX XXXX  the fall of XX/XX/XXXX. I arrived on campus XX/XX/XXXX. During that time, I do not recall applying for a loan. Also during that time my wallet was stolen with some of my valuable information in it. I left campus going home on XX/XX/XXXX. Navient is telling me that I owe for a loan I applied for and when asked for the paperwork to back it up no one ever sends it to me. Please help me because they're constantly calling and sending letters but not with the information requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
This is a follow up from my earlier complaint, # XXXX, against Transunion. 
Transunion has failed to send the response they calimed to have mailed in response to my letters of XXXX, XXXX and XXXX, XXXX. 
Transunion is not copperative and refusing to furnish their resonse to my letters. 
Where is the actual response they calimed to have mialed to me? 
They claim to have sent it, but I never received it, so why can't they re-mail? 
I have contact TU twice by mail and now twice through this portal and still do not have the original complant response. 
I suspect the real reason I have never received a written letter though the mail is because TU failed to comply with the FCRA and never reinvestigated my complaint and never informed me of the results, Would it be too much to expect a copy of the letter or letters they calim to have sent 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 2019-02-10
Company: EQUIFAX, INC.
State: DE
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:
CFPB I am filing this complaint on Equifax Credit Bureau because they are violating The Fair Credit Reporting Act Section 1681b ( c ). I sent Equifax two certified dispute letters because there are some unauthorized inquiries on my credit file that I did not authorized. My first dispute was on XX/XX/XXXX and my most recent dispute was on XX/XX/XXXX. I contacted these creditors and they couldn't provide me a permissible purpose so I disputed this back with the credit bureau on XX/XX/XXXX and received the same dispute results that these inquiries are a factual record of file access. CFPB i contacted Equifax and ask them to validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry and that rep. stated they can not dispute a inquiry because they are factual of statements. I also told that rep over the phone that they have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 that rep stated the same thing and said I'm sorry I can not dispute credit inquiries because they are factual of statements and also have that conversation recorded. I will upload the second dispute letter of the unauthorized inquiries and the results from Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-06
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Jefferson Capital Systems is trying to collect {$1000.00} from me through XXXX. It was from a cell phone & plan purchase in XXXX of XXXX. After a month I sent the phone back & closed the account because the service was horrible & now its in collections when it shouldnt be starting in XX/XX/XXXX.

Company response to consumer: Closed with explanation