BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-14
Company: AmeriHome Mortgage Company, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was in Forbearance that ended on XX/XX/XXXX. I recd a Payment Deferral Agreement from AmeriHome Mortgage that I was approved and to make my XX/XX/XXXX payment for Deferral to be effective. I did the payment and thought that the Deferral was being processed. I called on XX/XX/XXXX and the Agent emailed the Loss Mitigation Dept as to why the Deferral was not processed yet. Followed up on XX/XX/XXXX and spoke to a XXXX XXXX # XXXX who was from the XXXX XXXX and told me that I need to make 4 payments in order for the Deferral to go thru..I told her that the Agreement did not state that. She said bcoz I was late 1 month before the Forbearance started plus the XXXX, XXXX and XX/XX/XXXX payments which totals 4 mos. She took 4 payments totaling {$7700.00}. She said my acct will notated and to call back after a few days to check. I called back on XXXX to check, spoke with XXXX XXXX and told me that the payment didn't go thru bcoz XXXX XXXX failed to read the disclosure and we got disconnected. Told him that we didn't get disconnected as we said our goodbyes and told me to follow up. So I gave my payment again as I checked my acct, the money still there. He took it and gave me conf # and told me to follow up on XX/XX/XXXX. In the meantime, I received another letter about my delinquency and to contact HUD Counselor. I'm having anxiety that they will foreclose my home. I called back today XX/XX/XXXX and spoke with XXXX XXXX XXXX # XXXX and advised me that the $ XXXX plus payments were returned back to me and he and his Lead don't understand why it was returned again and why the Deferral was not processed yet. 
This is why I'm filing a complaint because this has been going on for months now and the Deferral has not been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
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:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investagate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified.As by FCRA requires agencies to remove most negative credit information if it is inacurate, unverifiable, invalidated, and incorrect

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 2021-12-14
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: Investigation took more than 30 days

Complaint:
My name XXXX XXXX. my SSN is XXXX. I sent a letter which is dated on XX/XX/2021 to reinvestigate some inaccurate and misleading information on my report but its been over three months now I still havent got any response from your agency. According to the FCRA your organization is suppose to provide reponse within 30 days but or immediately or delete the negative items but its seems your ignoring this. I've done my research and I know my rights as a consumer. You guys seem to be ignoring my letters probably thinking that i dont know anything about the law but if you continue to ignore my message i will hire a consumer rights attorney to deal with you. I will be waiting for your positive response in this matter. 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 2023-03-14
Company: Experian Information Solutions 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:
I sent a dispute letter to experian to change several inaccurate reportings. 

Instead of correcting these they made my account worse and even more inaccurately reported and they took the liberty to dispute open accounts that were not into included on my letter to dispute. They now resulted to changing an open credit card balance to an untrue balance amount and Im not sure how they got this data because it was not given to them from the original creditor now affecting my utilization causing my score to drop. Their mixing charged off accounts with my open accounts not paying close enough attention to my letter which is illegal and now giving me the fair credit reporting I legally deserve. 
I never disputed my open XXXX  XXXX account ending in XXXX and that balance is not my statement closing balance and Im not sure where it came from. They changed the balance on a XXXX XXXX Charge off I never even made a payment on. I want these items now REMOVED from my report or legal action needs taken place as this has now hurt my chances or utilizing my credit causing my score my drop for Experian and I am a consumer now hindered because they are not following the law.

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 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

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 2021-12-14
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: Their investigation did not fix an error on your report

Complaint:
My credit report shows an account with XXXX XXXX that does not belong to me. I have contacted the credit bureau to let them know that I've never had any loans, credit cards, etc. with any company named XXXX XXXX and asked them to remove this erroneous account from my credit reports, but I'm not having any luck getting them to remove it. The credit bureau continues to say they have " verified '' this account belongs to me, but when I question how they " verified '' it, they just give me a scripted answer, citing " various sources for verifying information '' and tell me it is my responsibility to contact XXXX XXXX if I'm not happy with the results of their investigation. I shouldn't have to contact anyone, since I've never had an account with XXXX XXXX. Please contact the credit bureau and explain to them they need to take this erroneous account off of my credit report. 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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE
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've given info to TransUnion more than once proving several accounts were fraudulent or have fraudulent activity and they will not remove the fraudulent activity. TransUnion has far more to harm my credit than anyone else. I think it's disgusting that the main reporting agencies are abusing their authority so blatantly. XXXX with their data breach and TransUnion for not investigating disputes. I want them held as accountable as I have been for their criminal disregard for my credit. I expect a quick and harsh punishment for these agencies as well as lenders who knowingly lie and manipulate the books. I will be planning to go to Washington DC and have a peaceful sit-in protest until all government agencies are held accountable for their neglect and non action

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 2022-10-18
Company: EQUIFAX, INC.
State: RI
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:
Time has already passed but up until now, I havent heard any kind of response from the XXXX Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2023-02-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: 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 XXXX XXXX XXXX. 

XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-04-25
Company: Uplift, Inc
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with fraud alerts or security freezes

Complaint:
I have been a customer of Uplift since 2021. I have had 3 loans and have always paid in full and never late. Recently, I have been trying to get another loan and it kept saying " Application information can not be verfied '' The customer service number is a scam and there is never an option to talk to a live person. I finally got an email from the fraud and risl department asking for my ID a selfie which I Provided. Then they responded saying I had to provide a selfie HOLDING my PAssport. This I thought was odd as no company has ever asked for this and I emailed back saying I would be happy to provide any other documents but that I wasn't comfortable holding my ID in a pic. Nevertheless, after no response I uploaded my passport again and A photo of me holding the passport. In the selfie, I blurred out my background as I took the pic at work and didn't want my background to show. 

After all this I get an email saying that they have disable my ability to use their services again. This is borderline discrimination, is it because I am XXXX? 

How can you never question MY identity- I have paid 3 loans on time and with good faith and now this company decides I am not who I am and that I can not use their services anymore. There is no live person to talk to. I feel like these decsions are made by a computer. I just want to be able to use a service I have used in the past and with good results. I think being disables is extreme and uneccesary. I have never filed a fraud claim, I have never said I had issues with UPLIFT, why are you now saying you can't verify me. After 3 years of being a good customer that is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
I disputed unauthorized inquiries for not recognizing different lenders and I dont remember authorizing them to perform a hard inquiry on my credit report. And There are multiple other inquiries all within one day of each other on my credit report but I only authorized one of them. 

So i reported these unauthorized inquries to different credit bureaus but did not get any help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

These companies have refused to do work on disputes even though they're required by the law to do so. 

XXXX Account Number : XXXXXXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX 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 2021-12-15
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
Me and my wife was approved for a XXXX loan with 5th 3rd bank on XX/XX/2021. After that we was on a house hunt that lasted until XX/XX/XXXX, we submitted our offer and the owners accepted the offer. After that we scheduled an inspection. The inspector came out Monday XX/XX/XXXX we paid him for his work. We also gave a check for the XXXX money deposit to the title company that same day. Between the dates of XX/XX/XXXX and XX/XX/XXXX we filled out a lot of paperwork and paid an XXXX fee for {$390.00}. XX/XX/XXXX we received a appraisal for the home. Our close date was XX/XX/XXXX. We did everything we was asked to do, I got a quote from the insurance company, we gave bank statements multiple times, filled out more paperwork. We gave all they needed but it was always more that they forgot that we needed. So we missed the first closing date. Next date XX/XX/XXXX, had to pay all taxes on current home I own out right, for some reason, but I did that as well. Had to submit multiple letters of explanation, did all of that as well. We did everything they needed everything. Now today I get a call saying they cant do anything for me because I was given a loan to fix my primary home from XXXX a government company. I live in zip code XXXX that area was in a state of emergency XX/XX/2021 due to floods this year my basement flooded almost to the second floor. Needless to say the home was heavily damaged and needed serious repair. I fixed the house with money we had for savings to buy us a new home in the future. When I found out about the sba loan we applied and was immediately accepted once they seen the home. That money was to replace some of the money we lost in savings. Due to the Sensitive nature of the situation this should not be something that hold us back in this loan process. It took them until XX/XX/2021 to tell me this. Communication was non-existence. They have been going over this paperwork multiple times and it was even audited. I can not understand how everything was good but now its not. This company is by far the worst I have ever dealt with. The online reviews of this company says it all. 1 star out of 5, what a joke. The attach files is the reason that I am not able to get the FHA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached 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. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE.

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 2023-03-14
Company: EQUIFAX, INC.
State: CT
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:
I have alerts on my credit report that prevent unauthorized requests hard and soft. Ive had it for over 6 years. My Credit report shows no delinquency in the past 6 plus years, no charge offs, however within the last 2 years have been denied consumer credit services by Equifaxs reporting information as having the following : Key factors that affected your credit score were as follows : Key Factor 1 SERIOUS DELINQUENCY Key Factor 2 % OF BALANCE TO CREDIT LIMIT TOO HIGH ON REVOLVING ACCOUNTS Key Factor 3 PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH Key Factor 4 NUMBER OF ACCOUNTS WITH DELINQUENCY Because 3 out of the 4 factors were alarming and a shock, I checked all credit reports agency for to verify - Loans, I only have 1 active car loan and its reported as paid and on time ; I have Student Loans which are under PLSR but deferred because Im actively in school ; the consumer credit cards that are actively open are all paid and on time and have not delinquent for over 6 years. Theres no option to dispute credit discrimination other than using this outside source. Equixfax only offers dispute of what is currently showing on the credit report and not what they are basing their decision on. If the decision is based on the facts above ; this is inaccurate and i would like for them to provide proof of the said factors used to deny. For the purpose of repairing my credit, I have limited and I enacted financial responsibility to assist in rebuilding and repairing my credit worthiness for 6 years plus time. I believe this is credit discrimination. 

There is no reason for said response to consumer credit requests to be a denial based on the factors they listed other than the factor listed as proportion of loan balances to loan amounts to high. 

This isnt the first incident that this has occurred this is just the final incident that has caused reasonable suspicion that financial discrimination is occurring.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-15
Company: EQUIFAX, INC.
State: WI
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 multiple occasions, I have submitted documentation and proof that what the credit bureau is reporting to my file is inaccurate and unverified. I have contacted the direct source that the bureau reports is allegedly reporting this erroneous information. Those sources provided me with verification that the accounts being reported as derogatory on my credit file are NOT VERIFIED and ARE INACCURATE. I have submitted the documentation from those sources to the bureau yet the bureau continues to place inaccurate and unverified information on report.

Company response to consumer: Closed with explanation