BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-18
Company: AMERISAVE MORTGAGE CORPORATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Seven months ago I applied for a cash out refinancing with AmeriSave mortgage company. I was approved and provided them with all the requested documents. There were no issues with those. At underwriting, I was informed that XXXX XXXX will not guarantee the loan because the HOAs insurance falls short of the XXXX XXXX  & XXXX XXXX  requirements. The guidelines have an exception that the lender can request but AmeriSave refuses to help and will not let me pay for the extra insurance. I reached out my HOA and they refuse to pay it. Aside from closing my file, AmeriSave has not refunded my appraisal fee, I was locked in at a 5.37 % interest rate but now its over 6.09. When I contacted a different mortgage company, they said that Amerisave was supposed to check the HOAs master insurance plan before proceeding. I spoke to the person at AmeriSave who was assigned to me to deal with this issue and he told me that they did not follow procedure, did not know where the mistake occurred or who was responsible for it. He further said that AmeriSave should have asked for and checked the master policy as soon as I applied and it was in fact their policy to do so, and he believes that the company was in breach of contract. I believe that they acted in bad faith as well, at the very least negligence that has caused major delays and cost me a large interest rate chance since I now have to use a different mortgage company.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act. 15 U.S.C. 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumers file.The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagaph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). A dispute was submitted on XXXX XXXX to Transition, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in the Fair Credit Reporting Act.

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 2022-07-18
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 2022-07-18
Company: EQUIFAX, INC.
State: MO
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: Problem with product or service terms changing

Complaint:
After I obtained a new phone ( upgrade from XXXX XXXX ( XXXX XXXX  ) to XXXX XXXX XXXX XXXX ( but same number and provider ), my XXXX XXXX XXXX stopped working and I received error code XXXX. I called their customer service and they told me they'd refer this to IT and I'd hear in 5-10 business days. That was about a month ago. They also told me to set up a my.equifax.com account. When I did that I received an error code XXXX. They asked me to let them set it up and I waited on the phone while they tried. They had the same issue.Since then I've called them on at least five additional occasions, getting reassured my problem was being escalated, etc. but have received NO contact back from them. Yesterday I was told I needed to verify my identity with a driver 's license and gov't issue ID. So, I took photos of them and faxed them a copy of them in a document but have received no confirmation of receipt. I called them to ask if they could confirm receipt but they say that can take up to ten business days!!!! There is no email address or text number for me to easilyl send pictures of required documents and there is no way for me to talk to " higher ups '' who might have authority to actually get something done. I'm XXXX XXXX XXXX and have my share of horror stories but I've never had to deal with a company as broken as Equifax. As an aside, I used to pay for an account on equifax.com but stopped after their egregious data breach and moved to the XXXX & XXXX product. One would assume that after violating the public 's trust with poor data security as evidenced in the data breach, they'd go out of their way to make it easy for customers to get responsive service from them. Dealing with them has been nightmarish.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home through PRMG. Throughout the purchase process I was told my PMI would be about {$60.00}. When I received my Closing Disclosure XXXX XX/XX/2020 XXXX for the 3 day review period before closing, my Closing Disclosure stated that my PMI would be {$60.00}. On my actual closing day ( XX/XX/2020 ) PRMG provided my settlement agent with a Closing Disclosure the day of the closing for {$73.00}. I signed the document as all the information looked similar to what I was provided and I knew small changes may occur.

After comparing the final disclosure with the one I reviewed prior to signing I noticed a significant difference in PMI. This is change of an additional {$13.00} on a a mortgage payment ( principal + interest ) of roughly {$630.00}. I reached out to the PRMG representative I was doing business through and he agreed it was a significant difference and that PRMG made a mistake. PRMG input incorrect information when getting the {$73.00} PMI number. He told me that the situation would be resolved. My realtor and I have contacted PRMG about this multiple times and been told that it was going to be fixed. It has now almost 3 months since my closing and I have made two mortgage payments and still there is no resolution. 

In summary, PRMG changed my loan terms to increase costs on the day of my closing. Promised it was a mistake and it would be fixed and has yet to do so nearly 3 months later.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2022-07-18
Company: Block, Inc.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I went to get a hair cut and when it was all said and done I payed for the cut and was on the way to tip my barber but the accept button was being blocked by the keyboard on the phone so in trying to press the accept button a couple times I added 3 XXXX  and XXXX $ turned to XXXX dollars. I immediately called my bank XXXX XXXX right after 2x and both times they told me not to worry about it cause the spending limit is XXXX. My account is in the negatives and the bank has denied my claim to have it overturned. My barber also sent the money back to me as virtual receipt but a couple days later I called my bank cause their was no change to my account and they told me they don't know where the money went And Im being told that when they close my account it will affect my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
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: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX : Experian, XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, SD XXXX Attn : CFPB This account originated with XXXX, which was later acquired by XXXX XXXX. This was never a federal or any other government student loan. It was private, and therefore should be off of the credit file after seven years from open date of XXXX. Despite my requests, they will not send me the original credit note after you fully verify this with XXXX XXXX. If they can not provide this, per FCRA they must remove this from my credit file. 

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 2018-02-03
Company: EQUIFAX, INC.
State: LA
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:
Ive contacted the credit bureaus on several occasions asking them to investigate items on my credit report. This company is failing to reply to me or investigate my disputes. Per th FRCA I do have the right to dispute inaccurate information on my credit reports right? After carefully reviewing my credit report I noticed several accounts listed under MEDICAL. Under the HIPPA Law my medical information is protected from third parties. I know for a FACT I have NEVER given ANYONE permission or access to my medical information. I have contacted these third party companies asking for a medical release form. No one has furnished me with this information I have requested. I am DEMANDING the credit bureaus respect my personal information and rights and remove these accounts from my credit reports IMMEDIATELY XXXX XXXX XXXX - {$810.00} XXXX XXXX - {$1500.00} XXXX XXXX - {$81.00} XXXX XXXX - {$75.00} XXXX XXXX - {$210.00} XXXX XXXX - {$160.00} XXXX - {$5000.00} I Have NEVER DONE BUSINESS WITH THESE COMPANIES!!!! They should NOT have any of my information. This is becoming exhausting and I feel like I have exhausted all my options. This is causing me major stress.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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  Acct # XXXX has violated my rights, 15 U.S.C 1681 section602 A. States I have the right to privacy, 15 U.S.C 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-11
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$8300.00}.

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 2022-07-18
Company: American Coradius International LLC
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:
I received, via USPS, a letter from American Coradius International LLC that I owed XXXX {$680.00}. I do not have a XXXX account. I had one many years ago and have not used XXXX in years. I tried to call the company, someone picked up the telephone, but did not speak. I also didn't speak, but listened to people speaking in the background, the person breathing on the telephone. After 5 minutes, I hung up. 

I then contacted the FTC and I was instructed to look at my 3 credit reports to see if this fee was on there. There is nothing on the 3 credit bureaus reporting this debt. 

I was a victim of Identity Theft in XX/XX/XXXX and XX/XX/XXXX, as someone filed for unemployment under my name. No funds were ever paid out and I had the 3 credit bureaus freeze my credit. I unfroze the credit the summer of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-24
Company: EQUIFAX, 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:
XXXX # XXXX is listed illegally on my consumer report ( XXXX ) in violation of Title XXXX5 U.S.C.6801,6802,6803,6804 The XXXX XXXX XXXX XXXX ( XXXX ) was written into LAW by XXXX and this firm should know it is Illegal for this Financial Institution! ( XXXX ) to transport my non public private information to a non affiliated XXXX XXXX without initially giving me NOTICE that I have the right to OPT out of credit reporting. This company also can not report this information without my PERMISSION they are blatantly violating my privacy rights which is ID Theft. 
I received no notice from this company and never gave them permission to report this information. I want this information removed immediately!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-23
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 XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$150.00}, Criginal Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$380.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$170.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, Balance : {$510.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( Opened XXXX XXXX, XXXX, Balance : {$350.00}, Original Creditor Name XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX. XXXX, XXXX, XXXX : {$180.00}, XXXX XXXX XXXX XXXX ), XXXX. XXXX & XXXX ( XXXX XXXX. XXXX, XXXX, XXXX : {$550.00}, XXXX XXXX XXXX XXXX XXXX ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: Experian Information Solutions Inc.
State: IL
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 : misleading false reporting you can not report late payments on a charge off XXXX XXXX Account Number : XXXX You can not report a late payment or a past due on a collection account this is a violation. Of the FCRA

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 2022-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hey I was taken advantage of due to malpractice while several laws is being broken under the FCRA by your company. This has caused me financial injury this is cause me defamation of character, I can't get a job. I can't apply for credit.

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 2018-09-07
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I received a copy of my credit report and am disputing some items that need to be deleted. I have attached the disputed items on the attached copy. The reasons why these items should be deleted are indicated below : A. XXXX XXXX ..*********XXXX B. XXXX / XXXX XXXX *****XXXX C. XXXX XXXX /XXXX XXXX XXXX *****XXXX  D. XXXX XXXX   ******XXXX 1. Debt ( s ) has been satisfied 2. Statue of limitations 2012 one ( A ), ( C ) & ( D ) Pursuant to FCRA 611 ( a ) 15 USC 1681i ( a )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Experian Information Solutions Inc.
State: NJ
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:
Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items 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 items and remove them immediately from my report : 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 XXXXXX/XX/2021

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 2022-07-18
Company: WELLS FARGO & COMPANY
State: TX
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:
In XX/XX/2022 I requested a 1099C from 2 creditors that charged off the accounts. Per my accountant, I am required to file the amount charged off as income on my tax return. Per IRS website, the creditor was required to forward the 1099C to me once the account was charged off. 

Wells Fargo Bank ( account # XXXX ) and XXXXXXXX XXXX XXXXXXXX ( account # XXXX ) both were required to forward the 1099C as a result of them charging off the accounts. Neither creditor responded to my request which has put me in a negative situation with the IRS per my accountant.

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