BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-05
Company: AMERISAVE MORTGAGE CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
4 months later, refinance still not finished. 

XX/XX/XXXX : Applied for and was approved for refinance from Amerisave ( NMLS # XXXX ) ; paid {$500.00} application fee. 
XX/XX/XXXX : All required documentation provided. 
XX/XX/XXXX - XX/XX/XXXX : Didn't hear anything from lender, no returns of calls/emails. 
XX/XX/XXXX : A processor reached out to ( ultimately ) set up a closing date of XXXX XXXX. 
XX/XX/XXXX : Closing appointment canceled with an hour 's notice given to me. XX/XX/XXXX : Closing appointment canceled without any notice given -- I had to call signing agent because I thought he was late and he told me the documents weren't ready. 
XX/XX/XXXX : Wired {$3400.00} to XXXX XXXX for closing costs. 
XX/XX/XXXX : Closing appointment was canceled with an hour 's notice given to me. 
XX/XX/XXXX : Lender requested a second hard pull of credit, more documents, The entire time I've had to intermittently provide updated pay stubs, bank statements, and other documentation, which has been extremely inconvenient and wouldn't have to happen if the lender had their affairs in order. Between the application fee and the closing costs, the lender has {$3900.00} of my money. 

I've done two other refinances and they were both simple and fast. This has been completely unacceptable.

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 2019-06-19
Company: Accounts Receivable Consultants Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a notice of collection from Accounts Receivable Consultants Inc. regarding a medical debit. On XX/XX/2019 I responded that I did not agree with the amount that I had made payments and they did response with the bill. I received a response about the amount due and responsibility of my husband. On XX/XX/2019 I sent a notice that I had made two payments directly to XXXX XXXX XXXX so that the amounts they were trying to collect I did not agree. Then instead of them trying to find one payment missing they just sent me the same bill but there is still one payment missing that I have been letting them know since I received the first collection letter. XXXX I sent them another letter telling them of the missing payment amount and date it was sent and cashed. But then I received a call from them today and the person that called was very rude and threatening to report me and my husband to the credit bureau. I was trying to explain to her the reason why I had not paid it and she would not let me speak and said he have already responded and if you do not pay today we are reporting you to the credit bureau. And just to mention that she did not say she was trying to collect a debit or call was being recorded as you are required by law. Since she would not let me speak and made me mad did tell her to go XXXX herself and I hung up. Then she turns around and calls my husband with the same threat and made my husband mad that he hung up on her. I think her name is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-26
Company: EQUIFAX, 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 submitted a letter to the 3 Credit Bureaus last XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: Experian Information Solutions Inc.
State: VA
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:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 4 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

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 2023-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital One has twice changed the autopay from XXXX XXXX to a Capital One account where I didn't have enough $ in there to pay. I did have enough $ in their savings account but they picked checking. It was their own account and they bounced the payment, not even taking the minimum payment. I don't know why they keep changing the Auto Pay bank. 
On Sunday XX/XX/XXXX they texted me and said that the autopay went through on XX/XX/XXXX. On XX/XX/XXXX they texted me and said that XXXX put {$25.00} on the card. On XX/XX/XXXX they texted that I had a balance of {$530.00} which I knew something was wrong because I pay them in full so the balance should have been {$25.00}. I went and looked at the account and saw that they bounced the autopay because they once again switched the autopay bank. I immediately paid them from the correct bank and asked for the {$25.00} fee to be waived. They said they would waive it. On XX/XX/XXXX, I looked at the account and the {$25.00} fee was still there and then they added an interest fee. I called them back and told them they switched the auto pay bank and that I wanted the interest fee waived. They refused. I then paid them the interest and the XXXX and the {$25.00} fee and asked for the card to be cancelled. I didn't switch the autopay and if they would have texted me that it didn't go through timely, I would have paid it and had it straightened out. Also they could have chosen to use the {$1000.00} sitting in their bank to pay the bill in my savings account. I have since cancelled my bank account and my credit card account with them, but I do want my interest charges back because I did not change the autopay bank. Their system has done this to me twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Selene Finance LP
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My husband died XX/XX/XXXX suddenly. With his death I could no longer afford my home mortgage with Selene Finance located in XXXX, Texas. I lost 70 % of my income when my husband died. I owed {$140000.00}, I discussed alternatives with Selene Finance as I fell behind in payments. I was actually told the best thing would be to surrender the house ie deed-in-lieu of foreclosure. This was XX/XX/XXXX. I was told to vacate the property within 30 days. I had only a short time to find a new place to live. I was told to make sure the home was swept clean and emptied which it was which I borrowed money and my family generously paid my moving expenses. I thought all was decided and the mortgage company said that if I did the above I would receive {$2000.00} upon move out date XX/XX/XXXX. I complied ... ..It is now XX/XX/XXXX and I have received nothing but grief and excuses from this company and finally went to legal aid and got some advice from an attorney advocate who told me that they were not allowed to ask me to move at that time and that the move was emotionally and financially devastating besides grieving the loss of my husband. A realtor tried to do a short sale and was offered {$110000.00} which was a great offer but the person XXXX XXXX with Selene Mortgage has sabotaged everything that we have tried to settle this. The realtor has worked with him as well as the attorney advocate and no one can get this situation resolved which i think he just wants to foreclose and why I don't know, His company will make a lot less money by foreclosure and he will not get {$110000.00}. for the property, The longer it sits empty the more it will depreciate. It already has siding missing from a storm which my insurance company wanted me to pay a {$2000.00} deductible on. I did not have the money to do that. I am at my wits end with Selene Finance. Mr . XXXX finds one excuse after another. I am a XXXX year old widow who feels after evacuating my home, lost all my money and feel as if everything has been taken away from me. I have documents proving that I was told to leave my home in 30 days and that I would receive a {$2000.00} 'Relocation Assistance ''. Never seen a cent ... .worse than all of this I can not grieve the death of my husband due to dealing with this everyday since his death. There seems no end in sight.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
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: Credit inquiries on your report that you don't recognize

Complaint:
Ive been calling them and they would not help me at all I am a victim of a inquiry issue all of the inquiry on my credit report are not mines I dont apply for 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
Consumer complaint received 2022-08-11
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
.Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Under FDCPA Ive filed a civil suit against this credit bureau and debt collector/Creditor for this unauthorized invalidated account that appear on my credit report. This is deceptive practices 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 non-monetary relief
Consumer complaint received 2023-01-16
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 was a victim of theft in XX/XX/2021. My purse was stolen with all my identifications in it. I made a police report in XXXX XXXXXXXX XXXX  ( case # XXXX ) I have been trying to purchase a home for my family and this is causing my denial for a loan. I have disputed with all XXXX credit bureaus and the company itself. I spoke to XXXX XXXX XXXX XXXX XXXX  XXXX  and they have no record and they advised me to request the credit bureaus to remove it from my report. No one has taking the time to fix the credit error. This account does not belong to me. I have also sent them a copy of all the different information reporting on the same account with each credit bureau I even sent a XXXX letter because I know this is not mine. They have not provided any proof nor removed it. XXXX XXXX XXXX XXXX XXXX XXXX also said they can't find anything on this account. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the 3 Credit Bureaus on XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXX Balance : {$180.00} ; XXXX XXXX XXXX Balance : {$4800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-11
Company: WELLS FARGO & COMPANY
State: AR
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:
Wells Fargo is not reporting open account or accurate balance on the XXXX credit report. XXXX and XXXX is reporting my open mortgage account accurately. Ive contacted Wells Fargo multiple times with no resolution. Ive also contacted XXXX who directed me back to Wells Fargo.

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 2022-07-05
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
I have been disputing erroneous items in my credit for quite some time and I have not received any response from the bureau

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-13
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the accounts was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX XXXXXXXX Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX A 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 non-monetary relief
Consumer complaint received 2021-02-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
This morning ( XX/XX/2021 ), I made two purchases using my Visa credit card, at two popular online retailers. When I logged into my Visa account online about 20 minutes later, I saw those two authorized transactions, plus a {$1.00} charge for " XXXX '' that I had not authorized. 

I did some research, and the URL for " XXXX '' appears to be affiliated with TransUnion. The home page advertises a " 7-day {$1.00} trial of our credit monitoring. '' I did not enroll, and do not consent to enroll, in any credit monitoring program. I had to cancel my Visa credit card as a result of the unauthorized enrollment and the {$1.00} charge ( which I'm sure would have automatically rolled over into a monthly fee ).

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 2021-01-11
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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:
There is no way that these companies investigated this student loan. The same information continues to report on my credit. I honestly don't believe I was late and I don't agree with the total balance that they are reporting on my credit. It continues to report several inaccuracies among the 3 credit reporting agencies from the last student loan company. How is that possible? For example, Each bureau reports that I was late on a different date Also, Hows it possible that youve reported me 90 days late with no late payments prior to that? Wasn't Navient sued by Cfpb before for not applying payments to consumers accounts correctly?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
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:
This is in addition to complaint ID XXXX I am a natural person. I am a living, human being, I have rights under 15 USC 1681. XXXX is governed by 15 USC 1681. They violated my rights numerous times. I demand the accounts listed below be removed, because according to 15 USC 1681 : I have the right to privacy, and I did not give XXXX written permission to furnish these accounts. I have been fighting this debt forever, as it is not mine. I have made numerous attempts to understand the inexplicable pattern of so many inquiries one after the other the same day, the same lender, repeatedly within a month but, what I can't seem to understand is how the top companies in the world couldn't flag such activities on my account but worse than that you couldn't even contact me to make sure it wasn't an error. I repeatedly try to look for answers and explanations from you and was led to believe without even questioning its legitimacy. I'm a VICTIM of XXXX DATA breach in XXXX. I have rights as a victim. 
XXXX XXXX XXXX Acct # XXXX Bal {$2000.00}, XXXX XXXX XXXX I Acct # XXXX XXXX {$19000.00}, XXXX XXXX XXXX I Acct # XXXX, XXXX XXXX Acct # XXXX Bal {$1500.00}, XXXX XXXX Acct # XXXX Bal {$1700.00}, XXXX XXXX XXXXXXXX # 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 non-monetary relief
Consumer complaint received 2022-09-13
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, XXXX, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as XXXX XXXX XXXX XXXX in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done SYNCB/LOW can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If SYNCB/LOW reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge

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