BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-19
Company: AMERISAVE MORTGAGE CORPORATION
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Complaint ID : XXXX i am rewriting this complaint because the mortgage company ( AmeriSave Mortgage ) did not reply or answer any questions. I been calling them CONSTANTLY and sending e-mails to them, yet they do not reply. The ( original ) refinance loan officer has been shut-off, since he too does not reply. The whole company has gone dark. I am tire of their unethical business practice. My neighboor also applied for rthe 2.75 % interest rate and they were approved a week ago. My combine credit score from XXXX and XXXX was XXXX XXXX was XXXX but has gone down to XXXX because they maliciously keep asking for my credit report thus lowering my score everytime they ask for my report ). The only difference between my neighbor and me is that he is a XXXX  XXXX, I am a retired XXXX XXXX who happens to be XXXX XXXX. Yet they don't care about this creditble credit organizations. The last i heard from AmeriSave was when they accuse me of having a bad credit rating based on a mysterious credit finding organization that they refuse to identify. Everytime i ask for the phone number of that organization they would avoid the question. They got {$500.00} from me and in XXXX I was harrass to give them my bank account and routing number for them to get {$110000.00} ( approximately ). Once again I have try to call, email, text message -- - NO RESPONSE. At the very least they should have kept me abreast of what is going on with the refinance. They have gone dark.

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 2019-08-25
Company: EQUIFAX, 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:
On XX/XX/2019 I sent Equifax a dispute via USPS certified mail regarding three accounts listed on my credit report from XXXX XXXX, XXXX XXXX and XXXX XXXX .I asked Equifax to investigate these alleged accounts and to provide any and all documentation they have showing the accuracy of these accounts and that these accounts belong to me in accordance with section 611 of the FCRA. Equifax replied with a generic response that they " Verified '' these accounts yet failed to produce any documentation showing how they verified them. 

Again on XX/XX/2019 I sent Equifax a letter via USPS certified mail demanding their method of verification for these alleged accounts in accordance with section 611 ( a ) ( 7 ) of the FCRA giving Equifax 15 days as required by Federal law with no response from Equifax within the 15 day period. 

once again on XX/XX/2019 I sent Equifax a letter via certified mail for failure to respond in the 15 day period as well as failure to verify the alleged accounts. It was not until XX/XX/2019 that i received yet another generic letter bearing no account level documentation or any other method of verification stating that they " verified '' these accounts. 
It is clear to me that Equifax has failed to conduct any kind of investigation into this matter other than parroting information, also XXXX is not an acceptable means of investigation and as a consumer I entitled under the FCRA to a fair investigation. 

Equifax is now in violation of section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ) for failure to provide me any copies of an original documents or consumer contract bearing my signature.Equifax is also in clear violation of Section 611 ( a ) ( 7 ) for failure to provide method of verification as well as federal law for failure to respond in 15 days.

Under the FCRA Equifax can be sued for {$1000.00} per violation of and will also be responsible for court costs and damages. 
Please see the information i have uploaded as proof of my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
My mortgage loan officer says that when they run my equifax credit report it says that I do not exist and when I call equifax they say that they cant see the issue and hangs up. Ive called them twice a day for 21 days with no resolution. Ive asked to speak with supervisors and has been hung up on. If not resolved me and my family will be XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-08
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
There is a glitch in my credit file at Equifax. When I applied at the bank I got a denial letter. It was stating that I had a lot of negative items on my credit report, They only use equifax and penfed does not pull XXXX or XXXX. My score is down to XXXX. I do not have any negative information in my Equifax credit report.but when i run my application on the compurter and penfed is processing my application it ends up pulling more items on my credit report that is not mines. I even got a case number from one of the Equifax guys. He told me I should hear something in three days This is the ticket and case number. XXXX. I've been hung up on. I've been reaching out to equifax for the last couple of years. Its not fair to have my life on hold because equifax will not get to the bottom of my concerns. it against the law to have my file not properly working? Not keeping up with the accuracy of my records? Equifax should be making sure that everybody records are accurate as possible. I have called over a 100 times through out the years. Its not my fault equifax cant fix the glitch in my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-09
Company: Genesys National Recovery, Inc.
State: PR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
My XXXX XXXX contract number : XXXX The gym, XXXX XXXX, continued to charge my credit card after hurricane Mara hit XXXX XXXX on XX/XX/XXXX ; a hurricane category 4 that caused widespread destruction and left the island without electricity. After the gym reopened in XXXX they stopped charging my credit card, causing my account to be delinquent. The credit card company had not blocked the charges ; XXXX just stopped charging my account and eventually referred me to a collection agency. 
It seems that indeed I was wrongfully reported to the credit agencies because even though on XX/XX/18 I made the payment for the months that XXXX said I owed, I received calls from the collection agency on XX/XX/XXXX and XX/XX/XXXX. On those 2 occasions I informed the person that I did not owe anything to XXXX and, after checking, they admitted that I was right. On XX/XX/XXXX I received 2 calls from that agency ; the first one was to check if I was at home because I was going to receive a subpoena to seize assets for the outstanding balance with XXXX, and the second one was to say that they made a mistake. On that call I forbid them to ever call me again. 
On XX/XX/XXXX I sent an email asking for the name and address of their collection agency. I am still waiting for the information. 
On XX/XX/XXXX, my lawyer sent XXXX management a letter via email requesting the same information reply has been received. 
Included below are : the contract with XXXX, the emails relating to requests of information, and the ones that indicate the name and postal address of the gym and the telephone number of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
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: Their investigation did not fix an error on your report

Complaint:
Dear Manager of BANK OF AMERICA, I hope this message finds you well. I am writing to address an ongoing issue regarding my account with BANK OF AMERICA, which has been a source of concern since XX/XX/2023. On that date, I took the initiative to settle my account by making a payment of {$800.00}, as per the guidance provided by your representatives. At the time, they assured me that within 30-45 days, the remaining balance would be removed from my credit report. 

Regrettably, despite my diligent efforts to resolve this matter, I have encountered significant challenges in achieving a resolution. It has come to my attention that XXXX has already removed the disputed account from my credit report as per our agreement. However, the other major credit reporting agencies have failed to update their records, continuing to report an inaccurate balance of {$1800.00}. This discrepancy is both perplexing and concerning. 

I am fully aware of my rights as a consumer, including the right to dispute inaccuracies directly with the creditor. In pursuit of a resolution, I have made numerous requests for documentation over the past few months, but unfortunately, these requests have gone unanswered. To clarify, when I settled the account, the outstanding balance stood at {$2200.00}, and I promptly paid {$800.00} as agreed upon. 

It is crucial to emphasize that the current situation represents a direct violation of my consumer rights. I hereby demand an immediate and unequivocal deletion of this erroneous account from my credit report. I believe this is a fair and just request given the circumstances surrounding our prior agreement. 

I kindly request your prompt attention to this matter, as it is negatively affecting my financial standing. I am hopeful that we can swiftly resolve this issue and rectify the inaccuracies on my credit report, thereby upholding the integrity of my financial history. 

Thank you for your immediate attention to this matter.

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 2023-04-17
Company: Selene Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I had submitted my Financial Hardship Paperwork to my mortgage company, Selene Finance LP in XX/XX/2023. My husband and I were both temporarily laid off until XX/XX/2023 and explained this in our documents that we supplied to Selene Finance. Despite their written and verbal confirmation of receiving our documents for the Covid-19 Forbearance, they have refused to work with us, refused to process the forbearance, and stated multiple times that they are not required to process the Forbearance under Covid-19, despite the fact that our financial hardship is directly related to loss of income from Covid-19 as well as the fact that the paperwork we submitted to them was during the Covid-19 National Emergency, while it was and still is in place. In addition, Selene Finance has been reporting our late payments as delinquencies to all the credit bureaus, XXXX, XXXX and XXXX, resulting in severely damaging credit scores. We have been yelled at by Selene Finance LP employees for months without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX  Account Number # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX Account XXXX Please verify and validate all data for this unproven claim including the requisite certifiable XXXX XXXX Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the XXXX characters of the XXXX statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2022-07-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX Account Number:XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX  Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting! 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account Number:XXXX  has violated my rights. 

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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. States I have the right to Section 609 you're required to send me original paperwork that verifies its account otherwise this is false information XXXX XXXX  Account Number:XXXX Please verify and validate all data for this unproven claim including the requisite certifiable Metro 2 Compliant Reporting Format Standard ( s ) and processes related. Please REMOVE or PROVE! Even document all dates and balances, personal identifiers, the 426 characters of the P6 statement and all of its trailing fragments, and any other necessary aspect of factual reporting!

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

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 2023-04-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello i'm writing regarding account on my credit reports that do not belong to me and was opened fraudulently i tried to handle the issue with credit bureaus but not a big help its still there.I checked my credit report and they had a wrong date of birth and addresses there to which i sent credit bureaus copy of my driver license with my real date of birth and an ftc report in which they did not responded and the account still remains on my report dramatically lowering my credit score.I will go ahead and attach the FTC report to my complaint and i expect credit bureaus to block inaccurate information.I also went ahead and talked to the creditor and found out that whatever information they have on their end the account that was opened under my social security number did not match with my date of birth or address that i reside on. 
XXXX XXXX XXXX Account number 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 2023-09-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I can not see my free annual credit report. When I went to transunion website, it just kept the loading page up for my credit report. I never got to see my report. I have sent a screenshot of the previous report and what keeps popping up when I try to view my credit report. I have called in twice and have used to live chat twice over the past 45 days and this issue has not been fixed.

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 2023-04-18
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Original debt of {$840.00} was written off/paid off by XXXX XXXX  XXXX XXXX XXXX I have never signed an agreement/contract of any kind with Midland Credit Management XXXX Now Im receiving letters that they are threatening to contact attorneys to obtain a lean, garnish my wages, or obtain information about assets.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS ACCOUNT WAS OPENED FRAUDULENTLY. I NEVER RECEIVED ANY FUNDS SENT TO MY ACCOUNT. THIS ACCOUNT IS UNDER LITIGATION. THE ACCOUNT WAS OPENED WITH UNKNOWN EMAIL ANDUNKNOWN BANKING INFORMATION. THIS ACCOUNT DOES NOT BELONG TO ME. I DID APPLY FOR ALOAN THROUGH THIS CREDITOR SEVERAL MONTHS BEFORE THIS ONE WAS OPENED FRAUDULENTLY. THAT ACCOUNT WAS PAID IN FULL AND CLOSED IN GOOD STANDING. I BELIEVE THAT MY INFORMATION WAS LEAKED AND EXPOSED BY THE COMPANY. I REQUEST THAT THIS ACCOUNT BE COMPLETELY REMOVED FROM ALL CREDITOR REPORTS AND ALL CREDIT BUREAUS.

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 2023-04-18
Company: TD BANK US HOLDING COMPANY
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the fair credit reporting act this creditor has violated my rights under 15USC1681 section 602 states I have the right to privacy. 15USC1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666b a creditor May not treat a payment on a credit card under an open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation