BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-06
Company: AMERISAVE MORTGAGE CORPORATION
State: NE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have waited 6 weeks to write this to ensure I as objective, honest and this was not just an angry review. I pulled out of buying my home the XXXX of XXXX. This company is the biggest scam ever. You pay the {$500.00}, and you never can give them enough information or documents to be approved. I had 3 months of back and forth, document after document, same letter written several times. It took 3 weeks and me freaking out for them to realize the inspector never went out when scheduled. My closing date changed, not once, twice three or four times, but my closing date changed 9 times. It was almost " its eith the final reviewer, and they said they need this ONE last thing ''. I had to source my loan to an outside company to see why and how my money down changed, and it turns out the changed the terms of my loan and NO ONE noticed but me, and I kept asling and pointing it out, and NO solution was found till I outsorced. I had 10g in my account and they convinced me i had to have 800 from a family friend, and i finally got even that, and they still wouldnt finalize my loan. But they got my {$500.00} which is NOT refundable. Myself, the buyer, and bith realitors were so frustraited that crying calls became a thing. The realitora even gave up all their comission to appease the mortage company. And when the seller agreed to the laon amount ( 6 weeks qftwr the loan was supposednto be finalized bc apprasial was 5 weeksnlate ) they kept coming up with q task list of 1. Then you do the 1 thing they need ( my turn around time was usually 2-4 hours ), and then it go back to the senior under wditer for 4-5 days for them to find another issue and another 1 thing ti do. I was homeless with my son because they changed the closing date 48 hours before close. My family stayed with family for 3 weeks thinking '' well we are this dar might as well see it througj '', and when we hit the date we had to close by because we had to move, they changed it 24 hours before again. I ended up just renting a place and pulling out. They are designed to break you down and drag dit out so YOU cancel the loan, because once you do that your {$500.00} is not refundable because YOU made that choice. Sadly, they cause mental and emotional break downs of people to get them to do that. There is a special circle in XXXX dedicaited to Amerisave Mortagge for what they do to people. And no, i dont wan na call the sutomer servic ehelp line to clearify any XXXX. The bigus response Amerisave has to these reviews thats copy and pasted and never addresses the claims should let everyone know exactly how thsy run their business. Stay away. Far far dar away. If credit karma or another app sent you here, run.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-14
Company: Genesis FS Card Services, Inc.
State: OR
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:
Ive disputed these 2 items from my credit multiple times an no luck. I got an offer on my email to pay these accounts off an when I took the deal they closed the accounts and then started charging me again saying I still owe even though there closed I have proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-03
Company: Experian Information Solutions Inc.
State: NJ
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:
I noticed a few accounts on my report I do not recognize

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 2021-05-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
TransUnion is reporting a Bankruptcy on my account that they claim they validated through the courts. They have falsely verified this debt and completely unlawfully sent documents stating they investigated it. This is FALSE because I myself contacted the courts and they provided me with proof that they DO NOT SEND THEM ANY VALIDATION so why is TRANSUNION STILL REPORTING THIS *FIND ATTACHED*? 

Under the Fair Credit Reporting Act, this item may not appear on my credit report if it can not be supported by any documents or evidence. This account is inaccurate and in violation of Congress law according to US Code 15 Section 1692g. I do not validate this debt as the original creditor. Please remove immediately. Attached please find ALL my identifications and remove it.

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 2018-11-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contacted this company numerous times regarding a fraudulent debt. A police report number was given and also a notarized identity theft statement sent. 

In a good faith effort to resolve this matter amicably, I restated my demand for proof of the debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter or an I.P address if this contract or application was done through the internet. Absent such proof, you must terminate this collection action and correct any erroneous reports of this debt as mine. 

For the record, I state again that as I have no account with this company, nor am I a customer, nor have I entered into a contract with them, I have asked for the following information : Evidence for authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

Company has failed to provide evidence or proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

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 2017-09-22
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/XXXX, I mailed a packet of information to Experian, regarding numerous inquiries on my credit report with their agency. After two weeks had passed with no results, I contacted Experian by telephone on XX/XX/XXXX and again on XX/XX/XXXX. I was told by a representative that " Just because a company ca n't verify permissible purpose does n't mean that [ they ] have to remove the inquiries. '' I disagree. Any inaccurate information that can not be verified must be corrected or removed. Inquiries are not exempt from the FCRA. I have written to the company again, as the agent I spoke to ( I wo n't call him a customer service representative, because it is clear that we are n't customers, but commodities ) refused to allow me to speak to a supervisor, to give them an opportunity to resolve this matter, but after speaking to the agent yesterday and being told that removing inquiries is against the law - which is blatantly false - I am painfully aware that Experian is not going to do anything to resolve this issue. I only hope that the CFPB will make the XXXX finally have some teeth, and no settle for a standard form letter, cookie-cutter reply from this CRA. 

Thank you.

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 2018-11-09
Company: EQUIFAX, INC.
State: SC
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:
My mortgage was recently transferred to a new servicer XXXX XXXX XXXX and bought by a new lender. My mortgage was modified in XX/XX/2015 with XXXX XXXX XXXX and the terms of my payment changed to 480 months. Shortly after it was transferred to XXXX XXXX XXXX XXXX and terms were reported correctly.The new servicer XXXX XXXX XXXX  is reporting the terms at 648 months. I called to inform them that it should be 480 months not 648 months. I was told that it is being reported correctly at 648 months. I will include my modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-20
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on Equifax and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
The fair credit reporting act states A CHARGE OFF should occur 180 days from the date of the first delinquancy.XXXX continually reported a charge off on my credit since XXXX, way past the legal limit .even though the balance was paid in full. 
Now they are reporting the account was closed in XXXX, more incorrect information ... ... Experian is taking their lead, AND WILL NOT AMEND, AND OR DELETE THE ACCOUNT FROM MY REPORT .The loan originated in XXXX, and ended in XXXX ... ..Once again it is paid in full ... ..XXXX IS ILLEGALLY RE AGING THIS DEBT! 
Now in XXXX the incorrect information remains on my credit and i want it removed, 11 years after the original date of inception.

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 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
Trans Union has willingly and knowingly reported false information to my consumer report. check out 15 USC 1681 ( a ) ( 1 ), the banking system is dependant upon MY CONSUMER REPORT being FAIR and ACURATE. 15 USC 1681 ( a ) ( 2 ), TRANS UNION IS A POWERLESS ELABORATE MECHANISM. 15 USC 1681 ( a ) ( 3 ) for assuming your so called role and 15 USC 1681a ( d ) ( iii ) Due to I XXXX XXXX a natural born flesh and blood woman I did not GIVE your corporation CONSENT to FURNISH ANYTHING on my CONSUMER report. I filled a complaint through the cfpb on XX/XX/2022 The corporation responded and asked that I provide the alleged debt accounts I've complained about. 
I have yet to receive the XXXX proof from this XXXX XXXX that the alleged debt is accurate.

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Problem getting your free annual credit report

Complaint:
Attempted to access my consumer report via annualcreditreport.com from all 3 consumer reporting agencies but encountered some issues. Please view error message ( s ) via screenshot attachment. I have rights to the disclosure to me my CONSUMER FILE pursuant to 15 U.S. Code 1681g ( a ) ( 1 ). I want a copy of my CONSUMER FILE from TRANSUNION, XXXX, & XXXX. Proper identification is provided.

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 2018-04-11
Company: GRANITE STATE MANAGEMENT & RESOURCES
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For years now I have been trying to get this GRANITE STATE MGMT removed from my credit. I have never had an account with them. I have never made any payments. I have never been late. I have had 0 contact or association with them. And the credit agencies have failed to show a written signature agreement between me and this company. This debt is clearly fraudulent and I want it gone from my credit. I am fed up. I have years of documentations to back my claim. The next step is my lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: Experian Information Solutions Inc.
State: NY
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:
I am in the process of obtaining approval for an XXXX loan, so after obtaining my credit report, I saw some negative accounts that needed to be address. So, on XX/XX/XXXX I sent a series of dispute letters to the credit reporting agencies. As far as I understand, according to section 611 of the FCRA, the bureaus area required to respond within 30 days as long as there has not been additional documents that I have been provided. Which I didn't. I have yet to receive anything from the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Dear Experian, I checked my personal credit report, which I acquired from your company on XXXX of XXXX  and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2020 is still being reported on my credit report. I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXX, they can not see the inquiry and so they can not remove something that isnt there. I request that you initiate a REINVESTIGATION into XXXX XXXX XXXX ( XX/XX/2020 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your REINVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT. If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your REINVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the REINVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. Thank you for your assistance in 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 2022-11-30
Company: Experian Information Solutions Inc.
State: PA
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. 

Account 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  Has violated my rights. 
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 2019-09-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
For several years I have been paying 53 Bank an additional amount of money XXXX {$200.00} or more ) over the interest amount on my home equity loan. Since XX/XX/2019 I have been paying an extra {$400.00} in addition to the interest payment on my XXXX Bank home equity principal. The interest rate has been XXXX percentage since XX/XX/2019. Although I am paying on the principal, the interest on this loan does not appear to be going down. I called 53 Bank today, XX/XX/2019, to inquiry why the interest being charged on the home equity loan is not going down, but keep increasing. XXXX Bank response was that the interest amount they are charging me is based on a certain amount that they charge per day. The amount that they are charging me for interest does not appear to be based on my principal balance, which should make the interest lower and more money going toward my principal. I feel that 53 Bank maybe charging me more interest than they should on this loan. They have probably been doing this for a long time, because I used to complaint to them about the same thing with my home mortgage which I have paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
I want to inform the credit bureau again that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
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 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