BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-16
Company: AmeriHome Mortgage Company, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom it may concern : Please be understanding as to why I am writing this complaint relevant to Amerihome Mortgage. I applied on XX/XX/2019 for a loan modification for XXXX XXXX XXXX XXXX XXXX IL XXXX. My name is XXXX XXXX XXXX. I complied with every document they have requested they are stalling in allowing me an answer. My daughter and her XXXX minor children are living with me and my husband. Daughter XXXX XXXX has a XXXX  XXXX XXXX and a XXXX  XXXX XXXX  before she could be on the XXXX XXXX  list she had to be in a stabled home after she lived with me I requested for a modification. I also applied for Chapter XXXX to save the house from being in foreclosure I can not afford XXXX a month along with the up keep of the property. The property has needs in order to live there I am asking for someone to question Amerihome and let me know whats keeping and taking so long each week they are requesting the same information over and over again. Please help me I do not want to lose my property. I am complaining on how this problem is being handled also my husband have a history of 5 people XXXX. I need this modification please help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-17
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
We were working with a doctor in XXXX who told us he was going to help us iwth our son who suffers from XXXX. He claimed to be able to help with XXXX and XXXX  issues as well as improving communication skills ( our son is non-verbal ) His " treatments '' did absolutely nothing except cost us close to XXXX $ We attempted to dispute the charges with American Express however they states that the Dr. had provided adequate documentation to uphold the charges. 

While our dispute was ongoing, the Dr. was accused, convicted, and plead guilty to tax evasion charges ( charges which included providing false information to the IRS ) https : //www.justice.gov/usao-sdny/pr/westchester-neurologist-pleads-guilty-manhattan-federal-court-tax-fraud-violation We argued with XXXX that his conviction on tax fraud and willingness to defraud the govt and provide them false documentation should be taken into account when considering our claim. An individual who had no qualms about lying to the govt would surely have no issues with lying to his credit card company. 

In the end, XXXX ruled in favor of the doctor. We had to take out a personal loan to cover the XXXX $ bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: ONLINE Information Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This same item was with another collection firm which was a mistake now it is with another agency. I do not owe this and have disputed. Does n't a company have to validate an item?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen to open multiple accounts in my name. I have reached out to the debt collectors and made them aware of this issue and have only been more persued in trying to collect the debt that is not mines. I have asked the credit bureau to investigate and nothing has been done and these items are continuing to be reported on my report causing me financial harm.

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 2022-05-16
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In accordance with the Fair Credit Reporting Act, American Express ( Partial Account # : XXXX ) has violated my rights. 

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

15 U.S.C. 1681 Section 604 A ( 2 ) states that a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04
Company: SecurityNational Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Applied for Home loan in the early part of XXXX, got pre-approved. Was told to find a house and submit a contract, we were good to go. Found a home and securing contract on XXXX XXXX, so by this time they had all our paperwork for at least six weeks. Had 21 day contingency on Financing, asked the lender on day XXXX if we have loan for sure, We were told yes we were fine, not to back out-it was closing, otherwise we would back out. So then went through and had inspection {$450.00} then {$1000.00} earnest, then appraisal {$520.00}, {$100.00} option money. Then the week of closing she tells us we needed an extension because an FHA form ( which is usually signed by XXXX parties at title ) was not signed by XXXX parties and the end of the month held us up. We had to postponed closing for 1 more week. Then 2 days before the second closing date she still needed a document from the IRS. She told us to repeatedly call the IRS until we found someone who would fax this document which usually has to be ordered, with a XXXX21 day turn around per the IRS. Three days before closing we were denied and out {$2000.00} and hopefully no breach of contract from seller, as of now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen to open multiple accounts in my name. I have reached out to the debt collectors and made them aware of this issue and have only been more persued in trying to collect the debt that is not mines. I have asked the credit bureau to investigate and nothing has been done and these items are continuing to be reported on my report causing me financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My identity was stolen to open multiple accounts in my name. I have reached out to the debt collectors and made them aware of this issue and have only been more persued in trying to collect the debt that is not mines. I have asked the credit bureau to investigate and nothing has been done and these items are continuing to be reported on my report causing me financial harm.

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 2016-09-26
Company: Neuheisel Law Firm, P.C.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
While moving to a new apartment a box with my personal information was left behind accidentally at the old apartment which had my social security number and ID information in it. The person who stole it used my credit to gain access to my accounts and apply for credit through numerous creditors. I filed a police report, ID theft forms with creditors and did a lot of follow up. Some of the creditors did respond and say I was not at fault but others sold the account to 3rd party vendors who placed a judgement against me and are now pursuing legal action to collect the fraudulent funds. I need help with this issue, been fighting to resolve for the past 6 years but have n't been helped. Please let me know what you can do to help me get this situation behind me. My credit is being affected, bank accounts and I ca n't move forward with purchasing a home as long as this persist. I have filed police reports, written numerous letters and still NO HELP! This is my last alternative. I do n't want to file bankruptcy because these are not my debts. In addition I was never served at addresses where I reside, but judgements were served at addresses where I did not reside and I was n't given the opportunity to argue my case before a judge. I need help with this matter and ask for resolutions. Thank you in advance for your help in this matter. FYI, because this is being published I do not want to state the persons name who did the fraudulent activities but its included in the attachments.

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 2016-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I disputes liens on the Credit report from Equifax. My dispute was valid as said by Equifax. When I received my dispute listing that my leins should show released I pulled another Equifax credit report and the status of the liens had not changed. I called the customer service line ( in XXXX ) and they said they could n't understand why but could n't help me the supervisors name was XXXX ID XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax has verified / updated informationn on XXXX credit report pertaining to multiple inaccurate late payments after account was charged off closed. I have sent portion of XXXX credit report. 
Inaccurate information has been verified / updated. 
The creditor states that Equifax is responsible for the inaccurate differences which should all be deleted. 
Inaccurate and injurious on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a tax lien on my Equifax credit report that is being reported incorrectly. Despite several letters to Equifax and today, a phone call to them, they continue to state that the information is being reported correctly and they have validated this with the Internal Revenue Service. I have done a lot of research and know that the the credit bureaus must comply with the Fair Credit Reporting Act as follows : " 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 52 611 - 15 U.S.C. 1681i ( ii ) promptly notify the furnisher of that information that information has been modified or deleted from the file of the consumer. " Since I know from the IRS ' website that they do not validate information with credit bureaus, I do not understand how Equifax can repeatedly tell me that the information is validated. It seems to me that they must prove that they are reporting correctly or delete the tx lien. FYI : Both XXXX and XXXX have deleted the tax lien due to the following '' We are unable to validate that the information on your credit report is correct and have removed the tax lien ''. 
It is really disturbing that credit bureaus seems to be able to do whatever they want as in my phone call to them today where I spoke to XXXX different representatives from Equifax. The first person stated when I asked if she was aware that they have to operate as set forth by the Fair Credit Reporting Act : " XXXX has our own rules for operating and we do not follow that act '', and then when I spoke to a person in their Executive Consumer Service Department she plainly stated several times that the accurateness of the tax lien was validated both in XX/XX/XXXX and XX/XX/XXXX when I sent them letters. When I asked how she backtracked and said she did not mean validates ... ... they just looked at the original document from 2009 and what 's on our credit report appears to be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am a victim of identity theft. I found out after the XXXX data breach and took steps to correct this. I included the following letter, with all the required information ( Theft Report, Affidavit, Credit reports reflecting wrong information, Identification documents, requests to block the information and applicable Federal and State Statutes ) and the Credit reporting companies listed above still did not block the information. Below is a copy of what I sent the respective credit reporting agencies ( XXXX and Equifax ) The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. Here are the protections I am seeking. 
Blocking Bad Credit Information from Credit ReportsThe law ( Revised Code of Washington 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information. 
I have enclosed a copy of my Identity Theft Report/Police Report with case number and proof of my identity. I appreciate your prompt attention to this matter. Please send me a letter after you have blocked the information from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
on XXXX XXXX, 2006 I took a home equity loan from Wachovia bank, ( now Wells Fargo ) in the amount of {$120.00}, XXXX at an interest rate of 7.8 %. I have in several occasions requested to renegotiate the loan for the purpose of getting a lower interest rate. My monthly payment is {$1000.00}. After making payments for the last 121 months ( {$120000.00} ) my loan balance is now {$100000.00}. This means 95 % of my payment went to pay the interest. I find this outrageous and I hope you can help me get a lower rate. Thanks XXXX XXXX XXXXXXXXXXXX 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 2019-12-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I have been using XXXX XXXX gas rebate card since  1997. Recently, I had entire balance as they were charging very high interest. A few days back they have suddenly reduced by credit limit from XXXX to XXXX. They have not intimated or given reasons. This has caused me undue hassles and put our family in jeopardy.I would like a thorough investigation on this, and do me justice. A card company should be regulated on their actions, they can not arbitrarily affect a 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 2020-06-13
Company: CURO Intermediate Holdings
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Can't contact lender or servicer

Complaint:
Concord finance Inc XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX put a lien on the title of a XXXX XXXX XXXX VIN # XXXX back on XX/XX/XXXX. The statue of limitations I believe have expired. I am requesting a notorized lien release ( DOR-4809 ) to title number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-16
Company: Riverwalk Financial Corporation
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I pulled up my credit report and notice a collection debt from Deville Asset Management for $XXXX being reported. I have disputed this with credit bureau but no information has been provided about the account to me. I sent a certified letter to Deville Asset Management and still no response or information about this account. I haven’t received any information nor have I signed any contract with this company. I am unaware of the company. They are destroying my credit with this collection account on my credit report. This needs to be removed off my credit report because I have never done business with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Got behind on mortgage payments due to paying my daughters tuition and her father my exhusband was late repaying me the funds. He switched jobs and my child support payments were delayed. This caused a domino effect request a modifications and my payment went from {$1400.00} to {$2200.00}. I made the first payment in XX/XX/XXXX the bank took {$740.00} and paid my insurance and {$1300.00} and then stated I did n't meet the payment plan and put me into active Forecloure. Spoke with XXXX this evening in Wells Fargo Home Preservation and he advised he does not understand how the plan was broken because he can see the payment. He advised he would send a note to XXXX XXXX because he is my Preservation specialist and would be able to give me greater detail on Monday. The letter dated XX/XX/XXXX advised I needed to pay {$780.00} to complete a full payment. I received this letter today. When I called the Wells Fargo today the Foreclosure department advised my loan went into Active Foreclosure on XX/XX/XXXX and they are waiting on a sale date. No offer to assist or help me save my home. They just increased my payments to make it unaffordable so I can loose my home when I have told them repeatedly that my intentions are to save my home!

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 2019-12-16
Company: TRANSWORLD SYSTEMS INC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I'm filing this complaint as per my attorney TransWorld System is in violation of the FDCPA for failure to provided requested document to properly verify alleged debt. 


I pulled an annual credit report in XXXX of XXXX. To find that Transworld Systems is reporting that I allegedly owe a debt from XXXX XXXX. I keep good records regarding medical bills. I have never received any info regarding this account. This is a medical debt from XX/XX/XXXX. 

I disputed this item via all 3 credit bureaus and requested my " signature of the original contract/consent to treat '' to establish the contractual obligation. Understanding medical facilities can make clerical errors in regards to billing. 

XXXX  and XXXX  verified this account 2 times without providing the requested information ( signature of original contract/consent to treat ) nor did they give me anything that would support their verification method as I requested. 

I was out of the country for 5 weeks when I returned ( XXXX ) I did received correspondence via the FCRA request from TransWorld ( XXXX ) however it was a general medical bill not the requested original contract/ consent to treat form. 

XXXX  and XXXX said it was my obligation to reach out to TransWorld System however this isn't my burden of proof to investigate. 

My attorney sent certified letters. Two times XX/XX/XXXX @ XX/XX/XXXX requesting more information specifically " the consent to treat form with my signature '' with failed attempts due to wrong address published on Transworld Systems website which resulted in both being return to sender. 

Another verification letter was sent certified on XX/XX/XXXX to the address provided from TransWorld this letter was received by TransWorld on XX/XX/XXXX. 
It has been well over 30 days and I have not received any response to my request nor has this item been marked as disputed on my credit file. It is currently being reported as accurate. 

This is a violation of the FDCPA and FCRA. 

Please see attached documents Thanks in advance for your assistance. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I've been communicating with the banks concerning the 20 NFS fees I've collected on this account. Most of them are due to the fact of allowing certain merchant to send things to my account. This has caused sufficient stress because I'm unemployed and doesn't get Unemployment.

Company response to consumer: Closed with monetary relief