BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-27
Company: AMERISAVE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear Sir, Madame, Due to coronavirus/pandemic I was protected under the mortgage forbearance. I have noticed that my credit report has been seriously damaged with negative late payment reporting by my mortgage servicing provider AmeriSave. 

I would appreciate if you could kindly fix this as it was protected by law that consumers would not be negatively impacted when entering into this government program.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
After we purchased vehicle it began to have mechanical issues the motor blew on it. We had the car for less than six months. I made numerous attempts to have them repair the issue however they would not honor the warranty. At that point the vehicle would not drive I had told them to then come pick up the vehicle which they did a few days later. I have never received a bill or statement of proof of the debt as I have disputed this many times. The company has NEVER provided the proper documentation to support this debt.

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 2021-04-07
Company: Kriya Capital, LLC
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:
These accounts have been transferred or sold. According to my findings, I am no longer responsible for this alleged debt, there is also no written communication, contract, or signature. A bill without a signature does not imply that the debt is legitimate, and anyone may submit a bill and claim ownership. They have violated my consumer rights, FDCPA 807 ( 8 ) if you can not validate the debt, you must request all credit reporting agencies delete the inaccurate information from my credit report IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-03
Company: Experian Information Solutions Inc.
State: AL
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:
Please update the attached information to my credit files.

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: Veros Credit, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Since XX/XX/XXXX I have been paying my vehicle loan and it is too high of interest rate, it 's above % 20 I paid {$5000.00} down the balance is still increasing and higher than the actual value of the vehicle. 
The company makes it difficult to make payments ; in locked out of my web account and they do not have assitemce to get me logged in and every time I make a payment they charge me {$8.00}. 
They raised my payment by approximately {$100.00} in XX/XX/XXXXand said it was for insurance which I took car off. I have not received my tags for XX/XX/XXXX and the police told me my vehicle came up as not registered. 
I am not defaulted in payments however when I have trouble paying on time they call my friends and family and tell them I did n't pay on time and they are trying to get ahold of me. It 's embarrassing and they make it difficult to pay on time. They have already report led to my credit that I was late on a payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28
Company: Experian Information Solutions Inc.
State: CA
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 recently did an investigation on my credit report which caused severe depression upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under XXXX5 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( XXXX ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX XXXX OF XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX BANK XXXX Account Number XXXX XXXX XXXX COLL Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX**************** XXXX  Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section XXXX States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( XXXX ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

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 2019-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX Bank of America contacted me questioning charges on my account.I told them I did not authorize the 4 charges.Bank of america then deleted my old credit card and issued me a new credit card. The following month BOA charged me for one of the fraud charges of {$84.00} which I deducted from thee bill.I have spoken to BOA they insist I pay the {$84.00} also I tried calling XXXX XXXX ( {$84.00} ) the phone number " is no longer in service '' I will deduct the {$84.00} plus the interest charges from my current bill I have had this card since XXXX.on the attached copies I have encircled the amount in dispute

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Outrageous overdraft fees, delay in clearing deposits

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 2018-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 sent a dispute requesting information on the debt to Transunion and XXXX XXXX XXXX the debt has not been validated no document has been sent verifying any information. 

No copies of a signed agreement or history of payments made to the company has been sent. 

Requesting if this debt can't be validated for it to be removed from credit records as it is hurting my credit.

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 2020-04-04
Company: EQUIFAX, INC.
State: SC
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:
Called XXXX  ( XXXX  ) ( Equifax ) on the phone, was redirected several times until i reached an agent whom i could understand and was in the US. I explained to them how i was COMPLETELY SHOCKED after viewing from credit report. This particular agent was very helpful and gave me several different ways that i can be helped if i submitted the proper documents. I've mail them in before and called up hoping and praying that i'd get that same helpful agent whose name i just can't recall, but this time i was funneled to a call center outside of the usa and could not be helped at all, after research and guidance i was led to this portal to assist in coming to a resolution. With people living outside the USA handling my personal info, im not surprised at all at the level of fraudulent activity on my credit report. Im hoping for a resolution immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting the following XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Bank XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2019-03-20
Company: SYNCHRONY FINANCIAL
State: PA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Hello CFPB, So, it seems that as a college student in XXXX, I was approved by XXXX for credit. Later, like most college students, I learned the hard way and ended up owing {$800.00} to {$900.00}, give or take based on this credit line. This was fine, meaning I had no issues with having to pay. Suddenly, I get a letter from this company and/or attorney 's office called, XXXX XXXX XXXX, stating that XXXX sold them my account as a collections account. The problem was as my mother questioned, " Since when does a big CO like XXXX come after college students for a {$900.00} debt? '' This didn't seem right ... 
Later I receoved a letter from the CT that I had a hearing!! When my mother and I called XXXX, we were told that this account was paid off. When we asked how XXXX got this account, at first, CSR were explaining they didn't know. My phone which has been hacked into somehow, ( possible politics since my college has been put under investigation & issues with my mother, Miss XXXX XXXX from Family CT in XXXX, NJ & case workers ... ), disconnected, right when a CSR stated that he'd email my account infor. When I tried calling back to get the account information, & to understand if they sent my account to this attorney, reps begin behaving strange : kept referring me back to this attorney office all of sudden! 
My mother and I believe that perhaps, some CSR or manager from XXXX, was compromised to buy out my account to this " XXXX XXXX XXXX, XXXX as assignee of Synchrony Bank/XXXX.com in somehow this connection to XXXX  XXXX XXXX. Why would XXXX send this account to a lawyer? Since when does an attorney 's office take a college student to CT especially for a {$900.00} account? 
Last but not least, the interest rate for a college student is illegal as I explained to this attorney 's office, who has been harassing me, according to the Obama Credit Card Act of XXXX! They still aren't in compliance. These are the issues! Please, give me your assistance so this attroney can get off of my back!

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 2021-04-07
Company: SYNCHRONY FINANCIAL
State: CA
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 reached out to the company and they advise me to contact the credit bureau.

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 2022-12-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I tried to get access to my most recent credit report to see if the deleted items were removed from my credit report as mentioned in a letter they sent in the mail on XX/XX/2022 ( Confirmation # XXXX ), and was unable to. I called Equifax to see what the problem was and they told me in order to get access to my credit report and see that the disputed items were deleted I needed to send in a utility bill, drivers license, and social security card. I sent that information in XX/XX/2022, waited 7 - 10 business days and called Equifax for an update and they were still unable to give me an update.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: AmeriHome Mortgage Company, LLC
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 I sent in a check for {$400.00} to cover a short fall in my escrow which was notified by my mortgage company to keep my mortgage payments down. They stayed at {$600.00} a month. In XX/XX/2020 I changed home insurance companies for a better rate and informed my mortgage company of this change. They in returned sent me a notification that I was short in my escrow and that I needed to send in short fall to cover my escrow. I sent in a check for {$1000.00} on XX/XX/2020. Then in XXXX I was notified that my monthly mortgage had gone up to {$670.00}. When I contacted the mortgage company they explained that I had a major shortfall in my escrow account. I asked where did my to checks go that I sent in for escrow? Upon examination it was found that the {$400.00} had gone to principle and interest and I am really not sure where the {$1000.00} check went. I have been in contact and written letters to this mortgage company with not a response from them. The latest episode is they said I had not paid my XXXX mortgage payment when my bank shows that on XX/XX/2020 The mortgage company had been paid the full amount. Please refer to my enclosed letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: HW Holding, 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: Account information incorrect

Complaint:
I became aware when I checked my credit report that this debt collector under the name of HUNTER WARFIELD INC. has reported incorrect information that I owe the amount {$1500.00}, I have sent a notice of state and federal validation of debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
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: Was not notified of investigation status or results

Complaint:
On XX/XX/XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been well over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person. My Social is XXXX My D.O.B is XX/XX/XXXX My Current Address is XXXX XXXX XXXX XXXX XXXX XXXX Ca 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 explanation
Consumer complaint received 2021-11-18
Company: FORD MOTOR CREDIT CO.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
Today the car was repossessed and Ford credit is not giving the opportunity to pay the passed due amount to reinstate the lease I made a payment of XXXX on XX/XX/XXXX the payment each month is XXXX, because of it being less than what 2 months is totaling they said they dont accept partial payment s, this is news to me. They didnt credit or refund the money then? They are refusing to work with me during this difficult time. I would appreciate any help to reinstate the lease. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: EQUIFAX, INC.
State: GA
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2019-03-20
Company: CL Holdings LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX is reporting negative information on my credit report and have been doing so for the past 2 years, i have contacted them several times and advised them that the debt does not belong to me and asked for original documentation ( a consumer contract with my signature on it ) to be sent to me which is required under section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 )  ( A ) to this date they have not provided me such documentation, i have contacted all three credit bureaus and they conducted an investigation and removed the item from my report previously, however they have now sold the debt to another collection agency XXXX XXXX XXXX whom is now reporting negative information on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-02
Company: EQUIFAX, 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: Account status incorrect

Complaint:
I am XXXX XXXX XXXX I am submitting this complaint myself and there is no third party involve.My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : XXXX  XXXX XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX/XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX  XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00}

Company response to consumer: Closed with explanation