BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-16
Company: AmeriHome Mortgage Company, LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In the second half of XXXX, I fell behind on my mortgage with loan servicer, AmeriHome. The reason was my own incompetency -- this was my first mortgage, I did not really know much and was essentially prioritizing other expenses ( drastic renovations ) over my mortgage, which resulted in my loan going into default. To avoid foreclosure, I had to go through the loss mitigation process, which began toward the end of XXXX. I was as responsive I can possibly be with all the requests, responding as soon as I received a request, but because COVID came about, everything took so much longer. They would send me a letter/request via mail and I would get it weeks late. As a result, they also received my responses via mail late. It was very frustrating and I was very unhappy with AmeriHome, but I then realized it really was not their fault, COVID was the culprit, not them, so I got over it. Nevertheless, the process took very long and all the while I was not making payments on my accountnot because I could not or did not want to make payments, but because I was not given the ability to. I asked several times about making payments, but they said I could not make any payments during the loss mitigation process, and the website did not let me. Finally, toward the end of XXXX, AmeriHome said to me, Okay, if you make XXXX trial period payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, then we will modify your loan with x and y details. I obliged and made those XXXX payments. Finally, my loan modification finalized and have made my payments on time ever since. 

But now, all of those dozen or so payments are reported late on my credit reports, even the trial period payments, and as a result, it is significantly hindering my ability to refinance my home or really get any type of credit. After with speaking with many lenders and HUD counselors, many keep saying that these should not be on my report the way they are. But I am not sure. It sure does not seem right to me, as I was able to make payments throughout that entire process, I was just not given the ability to. 

Note : my loan was transferred to XXXX XXXX around XX/XX/XXXX, but my concern lies with the former lender, AmeriHome. I have also tried to dispute this issue with AmeriHome and the credit bureaus with the help of XXXX XXXX XXXX and XXXX and have been unsuccessful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I ordered a copy of my report in Score sense and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, XXXX and TransUnion has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of XXXX XXXX. I believe it was reporting 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 non-monetary relief
Consumer complaint received 2022-02-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I XXXX XXXX XXXX am writing the complaint on my own behalf. I am a consumer who have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) XXXX XXXX has violated my right to privacy by furnishing information about me without any lawful authority. XXXX XXXX is a also in violation of Regulation Z XXXX ( d ) ( 2 ) which states that a creditor or its agent shall not ( directly or indirectly ) make or threaten to make an adverse report to any person about the consumer 's credit standing, or report that an amount or account is delinquent, because the consumer failed to pay the disputed amount or related finance or other charges. XXXX XXXX was sent a billing error notice as well as a billing dispute. A consumer must be given a chance to direct whether they want the information about a transaction to be reported or not. This is referenced in the XXXX XXXX XXXX. I was not given the chance to opt-out of having this reported information by XXXX XXXX and this is a violation of 15 USC 1681a ( 2 ) ( iii ) and must be removed. A consumer reporting agency needs written instructions by, I the consumer to furnish a consumer report. without written instruction consumer reporting agencies has committed fraud by using my identifying information without any lawful authority to furnish this information on my consumers report. By definition XXXX, equifax, and XXXX has committed identity theft. This is a violation of 15 USC 1681b ( a ) ( 2 ) and the information associated with XXXX XXXX Must be removed. XXXX XXXX was also sent a cease and desist which also stated that they must cease and desist communication through any and all mediums including my consumer report. XXXX XXXX has continued to report on my consumer report as a way to extort me for money 18 usc 894 which says that the collection of extension of credit by extension is a criminal offense and any two or more parties involved with the collection of an extension of credit through extortion are involved in racketeering.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-12
Company: EQUIFAX, INC.
State: MS
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 letters to Equifax about some negative items on my report and they have not corrected them : One was XXXX  XXXX XXXX XXXX XXXX account that they closed and Deleted from my active credit account without my authorization, the following accounts has NOT been Deleted from Equifax BUT has Been Delete From XXXX US DEPARTMENT OF EDU DEPT OF ED/XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Transunion which is the only bureau reporting a state tax lien has not followed the new rules applied to credit bureaus. I disputed this lien several times as it does not contain my name, address, dob and social security number. Please delete asap

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 2022-10-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
ON XX/XX/2022 I received an email from my banking institution, saying *unable to open your account online* which I never call or try to open any account ( Bank Of America )

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 2022-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
In XXXX my car was repossessed without my knowledge I had no idea and I thought the car was stolen initially. I was in a lot of distress and my personal items were in the vehicle. I didnt know my rights as a consumer. I was not notified how to retrieve my items, when the auction would be or how much it was sold for. I recently reached out to Capital One Auto and they provided me the letter that they sent and it stated it was sent to an address that I had never provided with them and is not on my credit report. I do not understand why they never sent those documents to the address attached to the origination of the loan in XXXXXXXX XXXX I asked had their been any notice previously sent to my former home address in XXXX or current address in XXXX and she said no, they sent it to an address at XXXX XXXX. This was an address that I had never provided them with. 

For several years this repossession has been listed on my credit report as a charge off and because I brought it to their attention through the credit bureau complaint, they decided to punish me by reporting it every month back to XXXX as unpaid, plummeting my XXXX XXXX XXXX points. I can no longer look for a home to purchase as a result. All my effort to maintain a decent score wiped out because of their negligence. They told me the vehicle was sold and that my debt was written off and yet it is still listed as a debt on my credit report. If they received a tax benefit, I didn't receive a 1099-C, which would mean the debt is now income that I should be reporting and not reported monthly as debt, to the credit bureaus. 

I was informed that if the debtor fails to properly notify me of the repossession, the debtor is no longer liable for the debt. They failed to properly notify me at the correct address giving me the opportunity to retrieve my items, ruined my credit score and prevented me from obtaining credit offers and a mortgage because the negative impacts of the credit bureau reporting. 

I would like to seek a full payment history of each payment maid from XXXX to date of repossession that includes, the date of payment and the amount paid. Also, requesting the 1099C to claim it on my tax return. Lastly, requesting the monthly unpaid balance reporting back to XXXX be removed from my credit report and the full {$7200.00} removed from the credit bureau reporting. I do not give my permission to the credit bureaus to report this because it is not an accurate representation of this debt. I have filed a complaint with the credit bureaus and they closed the complaint with barely an explanation to my original complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I lost my wallet while out on the town on XX/XX/2020. Since then I've noticed things on my credit that wasn't done by me. I have made contact with the companies to have removed but no action was taken. I also disputed them with the credit bureau and still nothing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 two fraudulent charges were made on my account at XXXX XXXX totaling {$110.00}. Bank of America immediately credited my account on XX/XX/XXXXfor these charges, HOWEVER they have since rescinded these credits through multiple transactions.
When I initially contacted BofA on XX/XX/XXXX I was told their system automatically debited my account as I was refunded money from XXXX XXXX, but the refunds I have received from XXXX XXXX  are not related to the two fraudulent charges. I have made no effort to recoup the fraudulent charges from XXXX XXXX.
Additional detail provided in the attached excel file.
I have contacted BofA a minimum of 4 times to resolve this error and as of XX/XX/XXXX BofA has actually debited my account for MORE than the initial fraud claim totaling {$140.00}.
The final transactions that are posted incorrectly to my account are : XX/XX/XXXX : Fraud Dispute {$38.00} XX/XX/XXXX : Accounting Error {$64.00}XX/XX/XXXX : Systom Error {$38.00}

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 monetary relief
Consumer complaint received 2022-07-07
Company: Maximus Education, LLC dba Aidvantage
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
When the deferment started, I contacted XXXX to see what my payments would be after the deferment ends and my renewal application was activated. They ensured on several occasions that my remaining months at the payment I was making before the deferment started. On XX/XX/XXXX, I had my Income Driven Repayment plan renewed for {$170.00} to pay towards my outstanding student loan debt. I accepted that amount and moved on with my day. The loans are all under deferment and the last time i applied for my annual renewal was XX/XX/XXXX. Apparently, a few days later, another submission was made in my name with a much higher income input and done as a new application, not as a renewal, which takes away the months I had remaining on my old IDR plan from XXXX. This second application made my payments {$260.00}, almost double what i was paying before the deferment started, but by income has only increased a few XXXX dollars since then, no where near doubling. I spoke with 2 different representatives, one claiming to be the first ones manager and said the second submission is invalid and wasn't submitted by me. I wanted it removed and the first one that was approved 3 days before to be the one to use. They kept saying over and over there was nothing they could do except submit another application and override the second one. This is ridiculous and borderline illegal, in my opinion. I stated that I didn't submit it, had no confirmation of this higher amount, electronically or by mail. I didn't know this change until I spoke to them on XX/XX/XXXX because of a phone call they made to me to confirm my contact details. This was all a shock as its not stated on the main page when I log in what my payments will be when the deferment ends. I was on the phone with AidVantage for an hour and 15 minutes before finally agreeing to another application to get my payments to {$190.00} and i lose my 3 months I had left at the amount before deferment. They refused to dispute the second application. All I kept getting when asked why we couldn't use the original renewal app was, " Our system wont let us '', even though it was the valid submission and the manager agreed that I wouldn't of put in a second app knowing my current was already approved.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: Total Card, Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Account : XXXX XXXX XXXX/XXXX XXXX XXXX/XXXX # XXXX I have not been late on the account and request Method of verification for late payments. Per the XXXX XXXX and payments made on the account should not have been registered as Late. 

Please correct payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
XXXX 2017. I applied for a Barclays American Airlines credit card and was declined due to having a previous closed account with Barclays. The previously closed account with Barclays was closed through a bankruptcy utilizing The Consumer Credit Protection Act. The Federal Equal Credit Opportunity Act states that Barclays ca n't discriminate based upon an any rights exercised in the Consumer Credit Protection Act. Barclays did n't even brother pulling a current credit report that shows no bankruptcies and a high credit score and taking into consideration my high annual income/ability to repay.

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 2022-07-07
Company: Experian Information Solutions Inc.
State: OH
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:
The credit bureaus stated my account was properly investigated but how is that possible if the date last active is inaccurate, date last reported is inaccurate, and also the payment status are as well. This grounds for removal, they also violated my rights under 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-07-07
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:
Experian has removed and placed back XXXX fraudulent accounts from XXXX XXXX : fraudulent account number XXXX is worth {$27000.00} and account number XXXX is for a little over {$5000.00}. Experian had received an FTC report back in 2019 on XXXX XXXX. Also, XXXX XXXX has been contacted by phone at XXXX. A certified letter is on its way next to XXXX XXXX at the address XXXX XXXX XXXX XXXX XXXX, VA 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 2022-07-07
Company: EQUIFAX, INC.
State: AZ
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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The negative items which I have been disputing still appear on my credit report. This is clearly a violation to the XXXX XXXX. Per FCRA section 605b, Credit Reporting Agencies are required to remove/block any accounts listed on an identity theft report. I have attached some documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) Balance : {$3000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-18
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a Notice of Adjudicated Property Sale.  I have tried everyday multiple times daily to speak to someone regarding this at Ditech Mortgage. I receive their automated system and follow all the prompts, then once I finally get to speak to a person they all say this is the wrong area let me transfer you. I have been transferred repeatedly and always eventually get hung up on. I finally spoke to XXXX at extension XXXX and I asked to speak to a Supervisor and was told I had to submit my request in writing because they do not have supervisors in the office. This is a time sensitive matter dealing with my home and no one at the mortgage company can help. This is a major issue! The fax number I was given to fax my written request to was XXXX it is the same fax number that is listed at the website and prints on the Request to Establish an Escrow Account form and when you fax to it, the fax will not process due to the number being unresponsive. How are you supposed to get help on your mortgage if you can not reach a decision making person? This is unacceptable for a consumer to not be able to easily receive help for a mortgage issue that could cause them to lose their home!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code1666 ( b ) billing errors. The creditors failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. A computation error or similar error of an accounting nature of the creditor on a statement. As I know the creditor didnt notify me XXXX days before with a statement so there should be no late payments on this account. I demand to see hard solid proof from the creditor bank account that I didn't pay and was marked late because this is clearly billing errors. Listed below is the account in question : XXXXXXXX XXXX XXXXXXXX : {$28000.00}

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 2022-02-16
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CMRE was sold my Collection from XXXX University XXXX XXXX I understand limited info about my medical information is given, but anything additional should be authorized by me the consumer, which isn't thus why I requested for this collection to be removed per XXXX violation. CMRE has my full medical in their collection that I didn't authorize. I sent a letter to the credit beauru that is attached and XXXX directly to CMRE. XXXX responded that CMRE said " All info is correct '' Which doesn't match my reasoning for dispute.

Company response to consumer: Closed with explanation