BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-11
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Spoke with loan officer he had told me about rates and cost said there was a XXXX dollar origination fee to get started on loan then sent me a receipt in an email saying it was a loan application fee after getting all documents ibwas unable to pay through the portal I recieved docs on so he took it over the phone after receiving my money and all my docs takes him forever to answer texts messages if he does I believe when refinancing a home communication is very important if he dont communicate with me how does loan ever close they can walk away from loan of I fail to keep in contact and provide docs without consequence but want to keep my XXXX origination fee for producing nothing on the loan I feel I held up to my side of the loan and produced what was needed they produced nothing this company uses the XXXX deposit as hostage money so they can keep you locked on to them and dont stray for a better deal

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Inquiries were unauthorized, companies notified about fraudulent inquiries and they are still appearing on my credit report. I have notified the bureaus to have them removed. It effecting 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 2023-05-21
Company: EQUIFAX, INC.
State: WI
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 am currently in the process of reviewing my consumer reports and noticed many inaccuracies regarding Account # XXXX including but not limited to, Account Status, Date Opened, Last Reported, Date Last Active, Date of Last Payment, as well as Payment History. 
15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Old information reappears or never goes away

Complaint:
Under Customer Statement with TRANSUNION they have a comment in which I Never asked them to place on my Credit Report, this comment only shows up under TRANSUNION. I would like the following statement removed from my TRANSUNION CREDIT REPORT IMMEDIATELY. The statement is impacting my approvals with other lenders. 
STATEMENT REPORTING : NATURAL OR DECLARED DISASTER VICTIM. I AM UNABLE TO MAKE TIMELY PAYMENTS DUE TO THE IMPACT ON MY JOB/WAGES AS A RESULT OF THE COVID 19 PANDEMIC. NATURAL OR DECLARED DISASTER VICTIM. HURRICANE HARVEY/COVID19

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 2023-12-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-12-19
Company: Exeter Finance Corp.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
As per privacy laws for me the comsumer I asked to opt out of sharing my information to a XXXX party which includes XXXX, XXXX, XXXX and other credit reporting agencies. I sent my request to Exeter Finance on XX/XX/XXXX, this request was effective immediately and indefinitely. I obtained a copy of my credit report on XX/XX/XXXX and Exeter Finance is still sharing this information and it is still reporting on my credit report. I wish to exercise my privacy rights and reserve all rights under privacy act of 1974. Also according to 12 CFR section 1016.7 states a consumer may exercise the right to opt out at any time.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: Open Dealer Exchange, 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: Account information incorrect

Complaint:
Hard Inquire reported on my account is inaccurate. Needs to be removed, it is damaging my lifestyle. 
XXXX Inquiry Date : XXXX Removal Date : XXXX Type : Department and Variety Stores XXXX non specific It is being reported on my credit and damaging it. PLEASE CORRECT and REMOVE as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Experian Information Solutions Inc.
State: NY
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:
When I applied for XXXX XXXX Bank credit card I asked to receive paperless billing because I was in a process of relocating. I have not made any purchases on the card and did not expect to receive bill yet the credit card company sent paper statement in a mail to my old address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX when I specifically asked for paperless billing. When I realized the account was deliquent I asked again to change it to paperless billing and to update my mailing address to XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX bank reported that I was late in XXXX  of XXXX and XXXX of XXXX. I asked them to remove it from my report and spoke to them several times and they agreed to remove it verbally. I also disputed the late payments with credit bureaus. Based on their favorable response that it will be removed I paid {$5000.00} XXXX money towards purchase of home. When I called them again they said that my request to remove the late payment was declined. They lied to me saying they will remove it and I lost {$5000.00} XXXX money because I was disqualified for a mortgage. I want them to remove the incorrect information that was late. I did not made any charges on the card and did not expect a bill. Moreover, they did not act on my request to change to paperless billing and so when I moved I did not receive the bill.

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 2022-05-20
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I AM HAVING A PROBLEM WITH MY XXXX XXXX CREDIT CARD THAT'S REPORTING A 30 DAY LATE PAYMENT FOR XX/XX/2022. I SPOKE WITH A REPRESENTIVE LAST WEEK FROM XXXX XXXX AND SHE SAID THE LATE PAYMENT WOULD BE REMOVED BECAUSE OF THE ERROR BUT IT'S STILL BEING REPORTED AT THIS TIME AND I'M CURRENTLY IN ESCROW AND THE LENDER TOLD ME THIS WILL HOLD UP THE PROCESS. THIS ACCOUNT HAS NEVER BEEN LATE AND I'M LOOKING FOR ASSISTANCE GETTING THIS ACCOUNT CORRECTED QUICKLY SO I CAN CLOSE ON MY DEAL. THANK YOU FOR ALL YOUR HELP.

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 2023-01-17
Company: Experian Information Solutions Inc.
State: GA
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:
Inquiries were unauthorized, companies notified about fraudulent inquiries and they are still appearing on my credit report. I have notified the bureaus to have them removed. It effecting 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 2023-01-17
Company: Consumer Portfolio Services, Inc.
State: MO
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:
On XX/XX/XXXX I went to a Dealership at this location when they filed for me to lease a car they put XXXX hard inquiries on my credit report. This is a violation to federal law 15 USC 1681b These hard inquiries is holding me back from getting accepted for my credit. I have been trying to dispute these claims but the application won't allow me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: First Credit Services Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. First Credit Services will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. 

Back in XX/XX/XXXX spoke numerous times to trainer XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my key fob in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even XXXX called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. 
Emailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. 

XX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. 
The cancellation letter and the amount to collect do not even match.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11
Company: Freedom Mortgage Company
State: MA
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:
My wife and I have a relationship with credit monitoring companies : 1- XXXX XXXX 2-XXXX XXXX Several times over the last few months, I received notifications from both companies, alerting that Freedom Mortgage has made " hard inquiries '' into our credit file, without our consent. 

The company numerous with attempts to question why, and I had not completed a application the times the inquiries were made ( XXXX, XXXX, XXXX, XXXX-twice ) In XXXX we connected with a person who identified his self as XXXX, a manager in Client Services, who spoke with me on a recorded line. 
XXXX confirmed the problem was real, and it had been happening to others. 
XXXX state XXXX  sold them our social security number, but they should not of made the hard inquiry without my authorization or an completed application on file. 

XXXX, said the problem would be escalated, and the inquiries removed immediately, but I would hear back in 24 hours from the sales Manager, this never happened. 
although XXXX provided his phone number, although he never ever took any further calls, or return voice messages left. Attempts to reach him were un-successful. On way call made to the company, XXXX spoke to me through a CS representative, whom he advised and it was repeated over/over, he could not take my call, that he was in a meeting. Yet he spent over 20 minutes repeating this to the CS that tried effortless to get him to take the call. 

After checking back with the credit bureaus suddenly the inquiries disappeared from XXXX, to only reappear on XX/XX/XXXX. 
After many attempts I was able to reach someone that identified his self as a sales Manager named XXXX XXXX, who said he too would look into, and get back with me. 
He also provided an email address, and ask for proof which was sent to his email. 
I have not heard back from Mr. XXXX either.

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 2023-05-21
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
hi there - I needed to apply for a background check and wanted to make sure that everything is good on the three credit reporting agencies. I went to XXXX and was unable to download my reports. 

Since I needed the reports I went to experian and created an account with them. Surprisingly these credit reporting companies are more than happy to provide all the information on their website. 

I signed up for their trial and after that now I am bombarded with emails. I want to cancel the account. I tried calling experian number provided- XXXX multiple times and can not get a live person at all. 

Please help in escalating and making sure that they cancel the account. I went into my account and all I can see is sign up for their service. No way to sever ties with them. This is unfortunate and should not be allowed.

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 2023-05-21
Company: EQUIFAX, INC.
State: OH
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:
To Whom It May Concern : I am writing to dispute the accuracy and fairness of my credit report. Specifically, I am disputing the information regarding my XXXX XXXX XXXX account number XXXX. I have reviewed my credit report and noticed that XXXX XXXX XXXX has reported several late payments on my open-ended credit/credit card account. 
According to 15 USC 1666b and 15 USC 1681a ( 2 ) ( A ) ( 1 ), transactions and billing errors are not to be reported on a consumer report. It is important to note that reporting late payments on an open-ended credit account/credit card is illegal. In accordance with 15 USC 6802b, any such information should not be included in a consumer report. Therefore, I am requesting that these late payments be removed from my credit report. Furthermore, I am disputing the accuracy of other information reported by XXXX XXXX XXXX. The reporting of inaccurate information violates 15 USC 1681e ( b ), which requires that all information reported to credit bureaus be accurate and verifiable. 
Therefore, I am requesting that XXXX XXXX XXXX verify the accuracy of all information they have reported to the credit bureaus. If any information is found to be inaccurate, I request that it be removed from my credit report immediately. In accordance with the Fair Credit Reporting Act, I am entitled to a free copy of my credit report from each of the credit bureaus once per year. I have enclosed a copy of my credit report highlighting the inaccuracies and errors I have discovered. Please investigate this matter promptly and respond within 30 days. If you find that the information in question is inaccurate or can not be verified, please remove it from my credit report. 
Thank you for your attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, Iowa XXXX Subject : Lack of Response from Equifax Regarding Verification of Inquiries - FCRA Credit Rule Violation Dear Sir/Madam, I am writing to express my deep dissatisfaction with Equifax 's lack of response to my dispute letter dated XX/XX/2023, requesting verification of certain inquiries on my credit report. Despite my efforts to rectify this matter in accordance with the Fair Credit Reporting Act ( FCRA ) credit rule, I have not received any communication from Equifax. 

The FCRA credit rule clearly stipulates that consumers have the right to dispute inaccurate or incomplete information on their credit reports and that credit reporting agencies must investigate and respond within 30 days of receiving a dispute. My dispute letter was sent to Equifax on XX/XX/2023, and as of today 's date, more than [ number of days ] have passed without any acknowledgment or response from their end. 

I have taken all necessary steps to ensure the accuracy of my credit report, and I am greatly concerned that Equifax 's lack of response not only violates the FCRA credit rule but also jeopardizes my ability to maintain a fair and accurate credit profile. This situation has caused me undue stress and uncertainty about the accuracy of my credit report, and I feel that my consumer rights have been undermined. 

I kindly request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that Equifax adheres to the FCRA credit rule and promptly addresses my dispute. I urge you to investigate this issue and take appropriate action to rectify the situation. 

Enclosed with this letter are copies of the dispute letter I sent to Equifax, as well as proof of delivery and any relevant documentation. I appreciate your attention to this matter and your assistance in resolving this dispute in a timely manner. 

Thank you for your prompt attention to this serious matter. I look forward to a swift resolution and confirmation that Equifax has complied with the FCRA credit rule. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: First Data Corporation
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I purchased an item online from XXXX XXXX XXXX ( XXXX ), but they did not ship the item. When I contacted them they refused to provide a refund. I contacted my debit card issuer ( XXXX ) and all I have gotten is the runaround, no provisional credit, 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 explanation