BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-13
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I bought my house in XXXX. 

Amerihome, in XXXX, failed to pay my insurance premium ( which is escrowed into my mortgage payment ). 

Amerihome did not notice for an ENTIRE year. My coverage lapsed in XXXX of XXXX, and they did not realize it or notify my of the issue until XX/XX/XXXX. 

I am required to have insurance in place, and insurance companies won't just backdate a policy. Therefore, I have to get lender placed insurance for the entire span of time in which they a : failed to make my contractual payments, and b : didn't notice that they didnt make my payments. This insurance is VERY expensive, and my payment has skyrocketed to backpay it. 

In addition, my escrow ( without having this years insurance premium paid yet ... because I don't have a policy ), is down by {$1000.00}. No one can tell me why. Many reps and managers have tried to look into the escrow deficiency. No one can tell me the cause. They suggest that my taxes went up - my total taxes are {$1000.00}, so my taxes would have had to double for me to be this deficient. It has not calculated the lender placed insurance yet, so I will likely be many thousands of dollars more deficient once that hits me. 

I have spoken to Amerihome about both of these issues extensively. Amerihome has admitted that they " dropped the ball '' on making my contractual payment. I have yet to receive a reason why they did not make the payment. The managers I have spoken to have admitted that a payment should have been made, and that it was their responsibility to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: FIRST ADVANTAGE CORPORATION
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Failed To answer my Debt validation letter, Reported debt to the CRA 's without my permission. i do have the signed debt letter however its not scanned nto my computersi am sending a copy

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-17
Company: CL Holdings 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: Information belongs to someone else

Complaint:
XXXX XXXX Age Opened XX/XX/2015 - {$350.00} Original creditor : XXXX XXXX XXXX XXXX  THE ABOVE CREDITORS HAVE BEEN CONTACTED ABOUT ACCOUNTS THAT DO NOT BELONG TO ME/BILL WAS COVERED BY INSURANCE. THEY HAVE NOT REACHED OUT TO ME TO RESOLVE THE ISSUES OF FALSE COLLECTIONS ON MY CREDIT REPORT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: MS
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

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 2022-07-19
Company: Block, Inc.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I submitted my dispute to CashApp on XX/XX/2022, which was not credited until XX/XX/2022, well over 10 business days after the dispute was submitted, with no notification on record from CashApp about the credit being applied, and nor was I notified about CashApps supposed investigation results until XX/XX/2022, three business days after providing the credit, purposely putting me in a position to have a negative balance, all the while CashApp knew of their selected the results of the investigation, while still crediting my account just to withdraw the credit after my use, with no notification or record on file from CashApp about the credit that being applied to my account, it being provisional or temporary.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Louisiana XXXX XXXX SS XXXX XXXX DOB XXXX XXXX To whom it may concern, Late Charges Removal You are in Direct Violation of the Fair Credit Reporting Act which has been violated several rights. 
15 U. S. C 1681 section 602A. Clearly states that I have the right to privacy.

15 U. S. C 1681 Section 604 A Section 2 : It 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 and open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account 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 2022-07-19
Company: Personal Finance Center
State: GU
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I am filing this complaint because as of this date XX/XX/2022 I have yet to hear any response from Personal Finance center on my complaint filed XX/XX/2022, and also PFC has not made any attempts to amend the situation regarding my mortgage and arrears payments, and at this point I feel that I am being harassed by PFC and their employees and their attorney XXXX XXXX. The whole time I have been dealing with PFC and their attorney XXXX XXXX they been very rude and have tried many times to intimidate me and have threatened me on serveal occasions that if I don't pay the arrears and the mortgage off that they will take my house away. And another example of thier harassment is that I have been summoned to appear in court in reference to a personal loan and also to see my salary when the bank knows what my salary is and that there are no changes to it and it is unnecessary for me to appear in court in regards to my personal loan because the vice president XXXX XXXX indicated that they would put a lein on the personal loan and combine it with the mortgage. I feel like Pfc and their attorney are trying to keep me in debt so they can take my house away and are trying to harrass and intimate me into paying off my mortgage and arrears payments instead of trying to work with me and come up with an agreement in regards to my mortgage and arrears payments

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly request the removal of these deceptive accounts from my credit report, as I have never authorized anyone to use my account. It is crucial that you promptly eliminate this incorrect account from my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Opened an on line savings account with XXXX in XXXX, 2023. Promotion included a {$100.00} bonus if the account remained active for 90 days. Never paid by XXXX and they refuse to live up to their promotion, account still open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-20
Company: EQUIFAX, INC.
State: MO
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:
The following accounts has been fraudulently placed upon my credit file the following accounts are not me and I'm demanding that these unauthorized accounts be removed from my credit file. 

1 ) XX/XX/XXXX{$100.00} 2 ) XX/XX/XXXX{$100.00} 3 ) XX/XX/XXXX{$470.00} 4 XXXX XXXX XXXXXX/XX/XXXX {$83.00} 5 ) XXXX {$31.00} 6 ) XXXX {$2100.00} 7 ) XXXX {$2000.00} 8 ) XXXX {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I received a XXXX credit card statement in late XXXX 2015. The balance on the statement was {$430.00}, with payment of {$25.00} due on XXXX XXXX, 2015. I was away on business travel at the time the payment was due, returning on XXXX XXXX. I paid the bill in full electronically on XXXX XXXX 2015. I then received a new bill for a {$25.00} penalty, then XXXX for {$50.00}. I now have a bill for {$120.00}. It is in no way fair to be penalizing me for paying off my balance 4 day past the payment due date. I asked the credit card company, CITI, to clear the penalties and they refused.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-11
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Dear Sir or Madam : This letter is to file a complaint against the student loan service provider, XXXX XXXX for misleading me to believe that I have made 24 qualifying payments under the Department of Education ( DOE ) Public Service Loan Forgiveness ( PSLF ) program.

On XX/XX/2019, after reviewing my student loan portal, I noticed that only 16 ( and not 24 ) qualified payments had been applied to my account. I phoned XXXX customer service asking for clarity. A supervisor explained that some of my payments only satisfied the monthly balance due and not the PSLF monthly balance.

Below is an illustrative example : PSLF tells Student Borrower ( SB ) to pay $ XXXX monthly starting XX/XX/XXXX. XX/XX/XXXX arrives and SB pays {$100.00}. {$1.00} exceeds the January balance and applied to the XXXX balance, reducing it to {$99.00}.XX/XX/XXXX  arrives and SB pays {$99.00}, the balance due for XX/XX/XXXX. However, the payment does not satisfy the PSLF requirement and is therefore not a qualified payment.

I have eight months of on-time non-qualified payments because I overpaid and then subsequently underpaid or, in other words, paid the actual balance. I see nowhere on my XXXX   account that highlights or notates a difference between the balance due payment and the PSLF payment. In fact, as far as I can see, there is nowhere that displays the PSLF monthly payment, particularly after an SB pays over the monthly balance, what XXXX   calls paid ahead.

The XXXX  supervisor explained that DOE guidelines is the cause of the confusion ; however, an easy solution for FedLoan to avoid the confusion is to prominently display both the XXXX  monthly balance and the PSLF monthly balance.

Id also like to note that I am a XXXX XXXX, XXXX  employee who believes in the spirit of the federal student loan forgiveness program. However, the program execution has seemingly failed people like me.

I ask that my eight ( 8 ) on-time non-qualified payments be applied towards my PSLF count and that the power of your office demands improved transparency for XXXX  SBs.

XXXX XXXX said that it will conduct a review of my account, which could last up to a year to complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wyoming XXXX This letter is a follow up to my original letter regarding an inaccuracy in your credit reporting, regarding the entry being reported ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX You have not only violated Federal Law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be aware that I am making a goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a serious error in your reporting. ( XXXX XXXX XXXX Credit Card Account Ending In XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office should you continue in your noncompliance. I further remind you that, as in XXXX vs. XXXX  XXXX XXXX XXXX ( C.D. Cal.Nov 14, 1995 ), you may be liable for your willful non-compliance. Since you have violated Federal Law, by not properly investigating within the required time frame, and you must now remove the item. Any other action or inaction on your part may result in a small claims action against your company, seeking {$1000.00} per violation for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of the Fair Credit Reporting Act. 
CC : Consumer Financial Protection Bureau CC : Federal Trade Commission XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 received a copy of my credit report and notice some hard inquiries that I don't recognize. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I almost realized that I am paying almost two cars with this line of credit. This was not what I agreed upon at time of signature. Almost 50 % or more of everything I have been paying are to satisfy interest, not the principal, besides this company charges an absurd and abusive fees with increase their gain to the sky! So dishonest and unfair! I feel desperate and frustrated as I already tried many different times to get my money applied for the contract that I signed for, not this abusive mal practice. I am filling this complaint in a hope to find a resort for my complaint with this agency. 

Kindly Regards, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: EQUIFAX, INC.
State: NC
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:
Yes my dispute relates to all three credit reporting agencys. But the most troubling is XXXX. Igor instance we can look at an account on my report under university  XXXX XXXX. I just got off the phone and the multiple representatives I spook with said this account has been verified accurate but the university. But according to paperwork sent to me by the university its inaccurate. Ive disputed the account numerous times. They have yet to correct the issue. On top of this Im unable to get my free annual report. They are mailing my dispute results to my current address and previous address with different names on the report. Im getting mail forwarded. Ive tried to tell them there is an issue with this and they have not been willing to help. This is really affecting my quality of life. This university XXXX XXXX account has been given to a collection agency even though I was first enrolled in XX/XX/XXXX and later in XX/XX/XXXX both of the dates should fall into the lawsuit with them. This account is only showing a charge off EVERY MONTH SINCE XX/XX/XXXX. Its being updated in a way to appear newer in my report than it is. XXXX is impossible to deal with and Im getting tired of not getting help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I applied for the new SAVE plan in XX/XX/2023. I received an email on XX/XX/XXXX telling me my application was still pending. When I access the website, I can not find any information about the status of my new repayment plan request. The website shows my old payment amount ( I've since divorced and have significant additional expense ) and I can not find any information about my new repayment plan or if its even approved. I have attempted to call NelNet on three occasions, both times I have ended up in the queue for over 45 minutes and eventually had to hang up because I have a job and need to work to pay my student loan back and can not sit on hold all day long. How can we get back into repayment if we can not even get information about our loans? I need to know if my application is still in process, if not when it will be decided and if it's been decided, what was the outcome of the decision and how was my payment calculated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Chime Financial Inc
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
last XXXX on a new chime account i put XXXX bucks on the new card that night the funds were taken by them and next day they closed the account. i have tried for 9 months to get funds back to no avail its either we sent the funds but didnt then i had to send many selfies of my self and id and the days date bue then they allways come up with something else.i asked many time just to send funds to the adress on file thesame place the card was sent to but XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Blocked. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT # XXXX. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 Balance : {$0.00}

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 2021-07-05
Company: EQUIFAX, 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 FILED NUMEROUS DISPUTES WITH THE AGENCY CONCERNING THE VALIDITY OF DEBTS PER : Title IV of the Consumer Credit Protection XXXX. Section 401.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently, a collection agency named Avante XXXX started reporting two medical collections on my credit report. Both accounts are for {$790.00} each. Prior to these accounts appearing on my credit report, I received no notice from Avante XXXX whatsoever. And I have health insurance, so this just doesn't make sense. Back in XXXX, I wrote a letter to Avante XXXX, and asked for some more information about the accounts so I could cross-reference these bills with my health-care provider. I requested to know who the medical facility was, the date of service that created the bills, and what dates the services were performed. Despite my request for this information well over a month ago, Avante XXXX has not provided to me. However, they continue to report the unverified collection accounts on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: Rocket Mortgage, LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was emailed and told by rocket mortgage that I needed XXXX to make a deal work. We sold a tractor to make the XXXX and were told its not enough and we could work a deal do now I have derogatory information on my credit from a pull, Im out a tractor that otherwise would have sold for XXXX more and they dont even have the feeling to say sorry they lied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: JPMORGAN CHASE & CO.
State: MT
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:
My credit report states I had Late payments in XXXX & XX/XX/2020. 

My payments were deferred at this time were deferred due to the COVID-19 emergency. 

This is the only time my payments have ever been late.

Company response to consumer: Closed with explanation