BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-10
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage loan with Amerihome Mortgage. In early XXXX, they sent me a check for the amount of my XXXX payment with a note stating that my loan was transferred. When I got someone on the phone, they gave me a number to call. I called and they refused to talk to me -- said I had to call back. I believe that they intentionally did this to get a late payment on my account so that I could not HARP refinance. I have sent XXXX payments to these fine folks ( XXXX and XXXX ), but they refuse to remove the late payment from my credit. I have filed a complaint with the XXXX and now with you. Please let me know if I can get any help with this problem. I still have the note that they sent with my check and will try to get a copy of the check ( I deposited the check to cover resending the payment ). 
Thanks and XXXX 's Blessings -- XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-08
Company: Experian Information Solutions 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 received the following from the Credit Reporting Agency -- -- - According to the Fair Credit Reporting Act, our role in the dispute process is to review the accuracy and completeness of any disputed item. We review and consider the furnishers or vendors response to determine whether to accept it, reject it, or follow up for additional information. I have complained against XXXX multiple times. Many cards were stolen from my office, used, and then fraudulent payments were made to allow continued charging to exceed the credit limit. My credit limit was {$7100.00} and MY balance was {$5900.00} as of XX/XX/XXXX. Card was stolen sometime first of XXXX. I filed attached sheriffs report in XXXX and then had XXXX of water from Hurricane XXXX after the XXXX tax day flood of XXXX. I was having payments scheduled at the first of the month to be paid on statements due date when I received my paper statements. Then mail was stolen from my rural mailbox. I was not using the card but paying off after XXXX and two floods. All charges starting XX/XX/XXXX were not mine. There were fraudulent payments that started on XXXX of {$2400.00} and returned the same day, on XXXX of {$2400.00} and returned the same day, on XXXX of {$7000.00} and returned on the same day, on XXXX of {$2000.00} and returned on the same day, on XXXX of {$10000.00} and returned on the same day. See attached statements. {$24000.00} of bogus payments within one month and not do anything???????!!!!!! Two months of returned payments and they didnt contact me??!! XXXX should have been alerted on XXXX and contacted me then. See Chases attached letter dated XX/XX/XXXX. I had asked for the payment methods used to make the fraudulent payments and XXXX denied the request. XXXX further states However, once an EPAY is returned because we were not able to locate the account, we suspend that account. {$24000.00} of fraud payments in two months and then suspend an account????!!! I should have been contacted at the least and especially for the over-the-limit transactions. But XXXX was phone calling the thief. In the attached latter dated XXXX, XXXX states the bogus phone number was removed and they do not know how the thiefs phone number was added.????? So, XXXX was talking to the thief, accepted more than {$24000.00} of fraud payments, allowed more than {$7000.00} of charges, and allowed the credit limit to be exceeded more than {$6000.00}. And XXXX sees no fraud?? I had good credit and was faithfully making my payments because I didnt have {$6000.00} laying around to pay it off. Now XXXX holds me responsible because they dont have a modern system to alert them.

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 2022-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One issued a card that was opened in my name that I did not authorize. This card was opened fraudulently by a relative and they even made payments from one of my accounts. This has caused my credit to be ruined and lost business opportunities. This is unacceptable Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem with fraud alerts

Complaint:
I have notified Equifax multiple times by phone of being a victim of identity theft since XXXX XXXX. In my hurry back in XXXX XXXX I paid them the {$10.00} dollars to place a security freeze on my credit file, which they done. However when I needed that freeze to be temporary lifted I was told by their website and on the phone that I failed to prove that I was victim of identity theft. So I fax and mailed to the address that they told me to the required documents on XXXX XXXX, XXXX. After doing so I went to temporary lift my credit freeze two months later only to be told again that they never received the documents, but when I have them search for them they find them and then claim it 's not their department to handle and transfer me to another and another. Then one person will say, " I will lift the security freeze JUST this once for free ''! And the supervisor ca n't help because they " can '' t transfer the information over to the correct department ''. I live in california, and I was told by law I had a right to place, temporary, and permanently a security freeze on my file for free. But Equifax wants to continue to try to charge me money to protect my credit file. 
Also when notifying them of my current address they took two months to correct it, going back and forth with my previous address as my current address. I would n't be surprised to receive another letter saying they switch my current address to my previous address again. 
I have attached proof of their messing around and hurting me. I hope you can fix this with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I'm sure you have received this complaint many times, and I'm really curious as to the answer .... 

How could it be allowed, that Paypal, can allow you to open an account, use it, add money, etc, and then, once they decide they want to look into something ( which is normal ), instead of giving you a notice, ( i.e. " We are freezing your account to make sure everything is ok ), they actually wait until you deposit money into the account, and then freeze it. Then ask for documentation which I'm sure every sends, and then the response is, " OK we'll look into it and let you know next week '' That is actually allowed? Besides the fact that it is incredibly sneaky, it's dangerous ... They are dealing with people 's money, and are allowed to wait till they have your money, freeze it for a week? 
And not to mention, they aren't even open 24 hours a day .... And it's almost impossible to actually talk to anyone .... Just seems like they should be more regulated ... .And I've seen this same complaint 10000 's of times it seems .... 

But, I'm sure they just get away with it because of " good reason '', so they continue to do it .... XXXX forbid, one time ( just once, cuz every other time I'm sure is legitimate ), they do it for the wrong reason, they could really cause a problem for someone ... .. 

Just my opinion ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
XXXX is claiming owner ship of my morgage. 
my morgage in the XXXX district court is owned by XXXX XXXX. 
Even though I have never received a transfer notice as required by law frim XXXX XXXX. 
please find with this complaint copies from the XXXX district court snt to me by XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I disputed a charge on my credit card because a XXXX did not performed authorized services on my pet. 

I authorized procedures to be performed, and the vet noted they did not have the right tool on hand to perform the procedure after various supportive care was already performed ( e.g ; putting the pet under XXXX  ). I was charged for XXXX  and various supportive services for the procedure, despite the procedure not being performed ( camera into dogs XXXX, XXXX XXXX XXXX, etc ). 

The bank refused to resolve the dispute, noting that because XXXX  happened, it was okay for me to be charged. 

That is insane. You would never be charged for someone putting you under XXXX  by mistake and forgetting the tools to actually perform the XXXX. The bank refused to view the dispute any other way. 


Bank of America has continually said conflicting things. Representatives said showing the invoices being charged by a new vet that showed the same procedures would be sufficient proof - but then renegged and said they needed a signed letter, but I was responsible for the balance. 

Bank of America is claiming the dispute is " closed '', but telling me to provide more information. In substance, the dispute is not closed, they are just calling it closed in form to collect the balance, despite ongoing consultations and being told to provide more information. This is evidenced by BOA having 3 versions of my claims going on under the following : 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 explanation
Consumer complaint received 2017-07-23
Company: Financial Credit Service, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received a notice of debt collection by a company named ARA Inc in the amount of {$2800.00} owed to XXXX XXXX XXXX. I contacted XXXX XXXX XXXX to confirm I owe no debt and they verified I had no such debt or account with the bank. This is a phantom debt claim. Non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I submitted a request of investigation on my credit report via United States Postal Service on XXXX20 to XXXX, XXXX  and Experian. I have not received a response from neither company.

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 2016-09-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I make a lot of money but depend on XXXX to pay me if and when they choose to. Therefore I have a cash flow problem but still try to pay my bills on time. I never gave Wells Fargo permission to pay the bills on bill pay when there is insufficiant money in my acount and I have gone in to talk to bankers often to help with this issue, but it continues. I get charged the maximum of XXXX bounced check fees every day that they pay my bills, so all the money I deposit gets eaten up in bank fees and I never get caught up. In addition, they withhold the checks I deposit as punishment for having bounced checks, and then they pay more bills and bounce more checks because they did n't allow the deposits I made to cover my checks!!!! I feel this is vindictive and purposeful abuse. I am also a senior citizen and can not retire when I ca n't save up money because Wells Fargo takes it all.

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 monetary relief
Consumer complaint received 2021-01-08
Company: Phoenix Financial Services LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Phoenix Financial Services placed an old time-barred medical debt on my XXXX  credit report on XX/XX/2020 that had already been removed from my credit report because of the age of the debt after I had disputed it. It had previously been placed for collection through XXXX XXXX XXXX of which I have documentation of the account being removed from my credit report. I had not received any written notice by mail or otherwise about the debt or that they had bought this old debt. There have been multiple complaints against the company for the same devious business practices, and I am going to file complaints with every available government consumer agency and the California Attorney General 's office. They have now today placed the collection on my XXXX  credit report. These need to be removed. This is ILLEGAL.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Nelnet, Inc.
State: NJ
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 not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to remove the accounts. BUT XXXX has some internal block which they're claiming they can use to not remove the accounts because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So XXXX feels they're above the letter of the law & will not explain their policy... 
XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date Opened XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: Navient Solutions, LLC.
State: GA
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:
It comes time to start paying my stu dent loans. Navient is handling  my student loans, and after mailing them a check they took the money, and did n't attribute it to my payments. Effectively stealing my money. The money disappeared  XXXX / XXXX / 17  Check #  XXXX   ( Converted ACH ) NAVIENT CHECKPAYMT {$140.00}. All I see when logging in is capitalized interest with " no payments '' ( trying to steal more money by means of interest it seems ). I t ried calling them on  XXXX / XXXX / 17 , and was told by a representative that I sent the check to the wrong office. I was also told they would send the check back to me. Even if they do send the check back, they have still taken the money. I have no idea what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) 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. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: EQUIFAX, INC.
State: WA
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 not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I appreciate your recent investigation of my credit report. However, you are continuing to report inaccurate information on my credit report. Please provide me with the specific method of verification ( MOV ). Equifax is not fulfilling the obligation under FCRA 609 ( c ) ( 2 ). Validation using XXXX  or XXXX  is improper validation and a violation of FCRA. The absence of a method of verification FCRA 611 and validating dept ownership via a third party fails to meet the Consumer Finance Protection Bureaus guidelines for what constitutes proper debt validation. 

Original creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I SENT IN THESE LETTERS FROM EACH CREDITOR, DIRECTLY TO EQUIFAX IN XXXX BIG ENVELOPE, THE CREDITORS HAVE ADMITTED TO MAKING ERRORS ON MY REPORT. THE FALSE INQUIRIES WERE SUPPOSE TO HAVE BEEN REMOVED BY NOW AND THEY NEVER HAVE. ITS BEEN WAY OVER 30DAYS NOW.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
On XXXX I placed a fraud alert. Today I ordered my free report from XXXX and XXXX, but EQUIFAX denied my request saying I already requested my report. This is false, but they offer no way to dispute it or speak to a representative. The EQUIFAX automated line says that in order to dispute this fact, I need to call the number on the report that I am saying I did n't receive. This is just wrong. A Credit Bureau should not be able to hold consumers hostage. I am a victim of the XXXX identity leak and so all Federal Employees are subject to this poor treatment. Can you help me get my free credit report from my fraud alert from EQUIFAX?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have received 2 letters ( attached ) from XXXX stating that they have notified Equifax to delete this. One is dated XXXX/XXXX/17 and the other, XXXX/XXXX/17 yet they have failed to delete this account as of today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: AZ
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:
Two rounds of letters were sent by certified and signature mail asking for original contracts and did not receive what I asked for no proof of debt. Asked company to remove from credit and did not comply. Two rounds of letters you sent and that the accounts still remain and have not been fully validated by Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: Lending Club Corp
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: Their investigation did not fix an error on your report

Complaint:
in XX/XX/2020 i was effected by the Covid -19 pandemic and temporary lost track of my finance statement due to reconstructing my life with the lockdowns and job shut downs. 
i contacted XXXX/XXXX an informed them of my situation and they promised me that the late payment would be forgiven. i have never missed a payment with them since i had this account and i wrote a letter of goodwill to never miss a payment in the future.the issue with the late payment has never been corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Sterling Infosystems Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX offender search that is very wrong I am not one

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