BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-28
Company: AMERISAVE MORTGAGE CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started to process of getting a mortgage for a new home and was pre-approved by AmeriSave Mortgage Corporation. I used this pre-approval to make an offer to purchase a band new home and then sold the home I was living in. AmeriSave Mortgage Corporation ensured me that everything was going smoothly and that they would have me approved well before my closing date. They ordered an appraisal of my new home that came back slightly higher then the selling price. About 3 days later I get an email from the loan processor XXXX XXXX stating that the underwriter had asked for a filed report and that came back with a lower number then asking price. According to the XXXX XXXX  Appraisal Guidelines there is no reason why this should have been done. At this point I need to scramble to find a new mortgage company who does follow the guidelines or have my family be homeless until I can resolve this issue. This company has cost me my due diligence money and wost yet possibly my families dream home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: CT
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:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-06
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 a account without my written instructions

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 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I submitted a credit repair request to a company, but they failed to respond within the XXXX timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as 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 non-monetary relief
Consumer complaint received 2023-07-17
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On XX/XX/XXXX I was charged twice for an item XXXX. Then I returned the item getting a credit of XXXX. I never received the funds for the double draft. I contacted Truist via the XXXX number and submitted all of the fraud claims paperwork via branch and asked them to close down my account due to this being the second time I had fraudulent activity within 30 days. My claim was denied after multiple attempts. Then my account began getting charges. On XX/XX/XXXX I was charged twice for account access fee of XXXX for XXXX and XXXX. Then due to having no funds on my account which should have been frozen I was charged {$72.00} in insufficient funds fees. This totaled XXXX. Upon paying this I was assured that my account was made current, frozen and no more fees would be assessed. That I could go into the branch to close my account but in 30 days it would close due to inactivity. 

On XX/XX/XXXX I was issued a check on auto draft to the closed account. I contacted the XXXX branch and was told my check had been deposited but the location of the check was unknown. Meaning I could not receive/ cash it. On XX/XX/XXXX My check arrived at XXXX XXXX XXXX  missing {$73.00} charged as a recovery fee. On XX/XX/XXXX I went into the XXXX branch and I was notified that my claim was denied and a charge off was made on XX/XX/XXXX for XXXX. XXXX ( employee ) Contacted the corporate office via phone on XX/XX/XXXX three times each time they hung up on her. She stayed in the branch until XXXX and she stated that the next business day she would contact them and find out the cause of the charges and why I was not contacted about my check being received, garnished, and mailed. As well as to what the charges were for.

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 2023-09-30
Company: Experian Information Solutions Inc.
State: CT
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:
I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still other account that need to be UPDATED. The Experian and XXXX credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account get corrected. 
XXXX XXXX XXXX Balance : {$240.00}

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 explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, 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:
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.

The letters are stated with items and issues.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : 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 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 2022-11-14
Company: Experian Information Solutions Inc.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX # XXXX and XXXX XXXX # XXXX, XXXX XXXX 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 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 Anv 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. 16815-2 ( A ) ( 1 ) A person shall not furnish an information relatina to a consumer to anv 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 2023-07-19
Company: Avant Holding Company, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Avant , LLC called me more than 7 times in a 7 day period. They called me at XXXX XXXX  and XXXX XXXX  on Saturday, XXXX XXXX and XXXX XXXX  on Monday, XXXXXXXX XXXX and XXXX XXXX  on Tuesday, and at XXXX XXXX  and XXXX XXXX  today ( Wednesday ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: FL
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:
Recently my attorney and I settled for an undisclosed amount with Equifax because of their failure to comply with the fair credit reporting act section 605B pertaining to identity theft. I have recently sent Equifax A new FTC report and police report but according to their records they dont even have the FTC report or police report that was used for the settlement that they had at one time. I find it interesting that this particular credit bureau had a major security breach which unfortunately I was a victim of. Recently we settled a lawsuit because of their failure to comply with the fair credit reporting act and again I am making a complaint prior to suing them again hoping that they will make a correction giving this credit reporting agency the benefit of the doubt. But unfortunately even after I sued them and won They still failed to comply with the FCRA using other countries to answer their calls and process the data for disputing and these countries are not familiar with the FCRA because when I questioned their representatives they are absolutely oblivious to the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: LEXISNEXIS
State: SC
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 received a letter from XXXX  the first choice for insurance on a letter head for XX/XX/XXXX that stated a ADVERSE ACTION PREMIUM AFFECTED. I did not receive the letter until XX/XX/XXXX in the mail, I did not get a previous email or any documentation of this until today. I purchased this coverage through my Local Insurance Agent. I paid this policy in full on XX/XX/XXXX. XXXX cashed my check or my insurance agent cashed my check for the policy. No one has contacted me until today by mail notice letter that there is a Adverse Action Premium Affected Letter. Please see attachments. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have repeatedly have been sending a XXXX letter to both XXXX and XXXX for the charge off accounts for XXXX XXXXXXXX XXXX XXXX to XXXX card and they have yet to remove these charge offs that have XXXX being sent and they fail to do the work to verify and then sent me letters saying they were verified when in fact these account have been deemed charge off and they have already been paid and I have been taxed on these accounts. I have repeatedly reached out and to no avail have they removed these accounts and how can an account that is considered income be reported and is against fcra regulations and violates the law set forth for these actions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-30
Company: Experian Information Solutions Inc.
State: NC
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:
The items listed below are reported on my personal credit file and were found in my reports with Experian and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX SXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
To Whom this may concern, I am writing to dispute the following items on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway

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 2023-05-09
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account number XXXX Date opened XX/XX/2023 Account type Collection Status Collection account. {$1200.00} past due as of XXXX XXXX. 
Status updated XX/XX/2023 Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX, TX XXXX Phone number ( XXXX ) XXXX Unable to verify ownership. Can not provide itemized bill that corresponds to a date that I actually received services. 

Hospital can not verify debt. They have no record of bill. They have no record of service provided to me on that date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have been trying to address wrong information and fraud on my dredit report on accounts that been paid of by insurance company or the account was not open by me do to me being in federal custody but the creditors and credit bureau 's dont listen and respond with negative responses I even showed proof that I been at my address for 25 years and the addresses that were used to open these accounts have nothing to do with me but my proof they just ignore they cant even send me the documents I reques to show me how these accounts are linked to me I went to a lawyer who advised me to pay them and all this would go away but none of it went anywhere it only made things worse now I have to live a rougher life after 15 years in prison when all I want is for my credit to be the way it should and all these accounts that are fraud by identity theft.

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 2023-02-15
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:
I reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report : XXXX Acct # XXXX... 

Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer Information to the best of the ability with maximum accuracy. 

I contacted " XXXX, XXXX, and Equifax " asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me.

This is a violation of Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof. 


Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: Experian Information Solutions Inc.
State: CT
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:
Here is a summary from Experian where they continued to leave their error unresolved. 
They report that I have a delinquent account and yet they see that all accounts have been of the following. 
1 ) Paid, Closed/Never late 2 ) Open / Never late 3 ) Transferred, closed / Never late Yet in Experian 's page one of payment history, they incorrectly and fraudulently show 95 % on-time payments and on page two of their report, they register one account with late payments. The problem is that this is INCORRECT. In all the accounts that they list for me, they have nothing that shows a late payment or delinquency. And Yet, they have this delinquency flag showing something other than 100 % on time payments. 

This error is causing my XXXX  score by Experian to be wrong, They list XXXX whereas XXXX and XXXX both report 100 % payment history, less than 5 % utilization, and XXXX scores of over XXXX. Experian is Wrong and have NOT been able to resolve this issue for the past 3 years!! 

I have been on the phone with Experian for well over 6 hours this week alone and countless Hours trying to FIX this. I have provided over 30 pages of documentation and even credit risk advisory to help them resolve this that falls on deaf ears and Experian staff that do not help. 

Listed below is some of the correspondence that I am trying to resolve to provide the correct XXXX  score!! 

Thank you for contacting us regarding your Experian XXXX XXXX membership. We apologize for the delayed response. This email is in regards to ticket # XXXX that was submitted concerning issues you were experiencing with your credit report. 


Our technical department has determined that there is no error regarding your Score Factors. If it appears that there may be a derogatory indicator on your Experian credit report through the Experian Credit Bureau, please contact the Experian Disputes Center at ( XXXX ) XXXX at your earliest convenience to request a hard copy of your report to locate and confirm the derogatory information. 

NO ONE at Experian seems to be able to help resolve this Issue!

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