BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-12-27
Company: AMERICAN INTERNET MORTGAGE
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My complaint is that I can not obtain the participation in HUD-assisted programs and activities without regard to race, color, national origin, sex, religion, familiar status ( families with children under 18 ) or disability due to programs not available exclusively to me, XXXX XXXX XXXX XXXX. 

The type of problems I am having is HUD assisted programs and HUD activities. 

Its happens to be no HUD-assisted programs and activities are where I can find them. 

The company is XXXX, XXXX, and XXXX. 

The people involved are Employers and Hospitals refusing to Disclose my XXXX XXXX and XXXX XXXX to HUD-assisted programs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: MIDCOUNTRY FINANCIAL CORP
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Small Claims was filed against me for this loan, when I did not sign any loans documentation/nor is my name listed on the contracts for this lending company.

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 2022-08-09
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: Personal information incorrect

Complaint:
The following information is incorrect : XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX I reach out th the credit for the last two months regarding the incorrect information on file. 
I call and fax. 
Please help me remove the information above.

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 2019-03-14
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX  {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.

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 2019-03-14
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the following account, ( 1 ) XXXX XXXX XXXX {$4.00}, ( 2 ) XXXX XXXX XXXX {$0.00}, ( 3 ) XXXX XXXX XXXX {$1.00}, due to the fact the information is inaccurate and does not rightfully belong to me. Your company investigation response was account verified. Now I'm requesting the Method Of Verification for that investigation conducted by your company. What certified documentation did you receive to confirm your investigation. What is the name and title of the person conducted the investigation, what day, date, and hour did this take place. Please provide me with all relevant information pertaining to your investigation. Your cooperation is Appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: MCLEAN MORTGAGE CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I recently applied for a mortgage with Mclean Mortgage Corporation. Although still married, I was fully qualified for the loan on my own and provided them with all information required for settlement. I was scheduled to close on the property on XXXX XXXX and on XXXX XXXX I was told by the mortgage company that unless I provided the underwriter with a detailed statement outlining the status of my marital situation and a signed statement saying that neither of us would seek child support or alimony in the event of a formal separation agreement or XXXX they would not approve my loan. My husband only XXXX month secured his own mortgage through another mortgage company ( same salary, same assets and same access to joint accounts ) was not required to provide the level of documentation I was nor was he required to provide a similar statement regarding alimony or child support. I did not feel their ask was fair or relevant to my qualifying the loan. Needless to say, I had to sign a letter, along with my husband, stating what they asked in order to close on the property on XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/XXXX I unfroze my credit with Transunion and XXXX. XXXX was unfrozen within 15 min. Transunion still is blocking all lenders from my report 6 days later. Called on the XX/XX/XXXX was told it was unfrozen, lenders still blocked. Mon XX/XX/XXXX I called and spoke to 14 different people telling me it is not frozen. One agent told me there was a technical issue and would be fixed by end of the day. Lenders are still blocked. I called again today theXX/XX/XXXX agent says will be unfrozen within minutes. Lenders are still blocked. No one will help me or let me talk to a supervisor or someone that can help me. You can not live a normal life in America with frozen credit! My car died and I have been trying to get my credit pulled from transunion 6 days now and all they tell me is that it is unfrozen and will not do anything to solve the issue. I am in panic mode right now and mentally can not handle talking to another 20 people there. XXXX was unfrozen within minutes and transunion refuses to help no matter what dept I get.

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 2022-08-16
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I have requested that you intervene on my behalf in dispute of several loan modification denials from Wells Fargo since XX/XX/2013. Related case numbers are XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX. I have attempted on at least XXXX different occasions to have my Pick-A-Payment loan modified. Now with the XXXX XXXX  article, " Wells Fargo says hundreds of customers lost homes after computer glitch '', by XXXX XXXX, I would like for my previous request ( s ) for a loan modification to be reviewed. Another article, " Wells Fargo faces tax credit probes, new problems with mortgage borrowers '' by XXXX, stated, 'an error in Wells Fargos underwriting tool  improperly excluded 625 borrowers, 400 of whom eventually had their homes foreclosed upon '. I feel confident that I was one of the 626 borrowers, since Wells Fargo could never give a logical explanation as to why my modification was denied.

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 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
Sunday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX. # XXXX XXXX, Texas XXXX SSN : XXXX | DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I was just looking at my credit report and found some errors relating to my payment history on some accounts. I have outlined the following incorrect late payments. Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please fix these errors immediately and remove the late payments. If you are unable to do so, then remove the entire account since it is being reported inaccurately. 


Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX were all on time. 

Account Name : XXXX Account Number : XXXX Reason : Incorrect late payment Instruction : The payment history is incorrect. Late payments from XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX were all on time. 

Clearly you have some faulty systems, because there should be NO late payments showing here. As in, ZERO late payments. So why are you reporting it incorrectly? 

Inaccurate late payments like this are not only embarrassing, but they are preventing me from obtaining credit that I'm trying to apply for. I've already been in talks with some experts who have informed me that there are laws to ensure that credit bureaus only report accurate credit information. It is evident that the inclusion of this inaccurate information is a mistake on either your part or the reporting creditor 's part or both. 

I take this very seriously and I'm not going to stop contacting you until you remove this wrong information. Due to the damaging effects of such negative inaccurate information I must insist that this is done swiftly. If it isn't done fast, I'm going to have to research what legal options are available to me against both you and the creditor. 

Regards, 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 2022-08-13
Company: Professional Finance Company, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been visiting a XXXX, XXXX XXXX at XXXX XXXX for XXXX  sessions in the XX/XX/XXXX. At times, when I could not make the session due to health or other reasons, I had sent the emails in advance to the XXXX to cancel and reschedule the sessions. The XXXX had always rescheduled but never informed that there was a cancellation period or a cancellation fee. The facility was paid by the insurance company for the sessions, but the cancellation fee was applied to my account. No one from the facility, while I was visiting there, ever told me about those late charges neither did they mail any invoice to me. Till date I have no documentation about these charges from XXXX but these charges were straight reported to the collection agency named Professional Finance Company , Inc . The collection agency only called me but never clarified that these charges are just for the late fee. They never mailed any statement to me either. I called XXXX XXXX multiple times between XXXX through XXXX of XXXX too and was told that there is no outstanding amount. But the collection agency still kept calling me and eventually reported the 2 charges for {$100.00} each to the credit bureau. I find these late fee charges completely unfair and inappropriate and would request to be taken off. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2019-08-21
Company: Experian Information Solutions Inc.
State: AZ
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:
I have filed disputes with transunion, experian and a complaint with CFPB concerning the disputes, still nothing is done.In a recorded call experian explained they only go by the debt collectors statement and if it matches what the debt collector reported then information remains. If I send documents from XXXX they will not look at it, as the woman at experian explained " anyone can type a paper and sign it '' so it breaks down to only consumers lie.. I am re disputing with the documents I am attaching to you. I still even have the emails from and to XXXX of the first missed payment to show that among other false statements, the account has been re aged.

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 2021-11-20
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
XX/XX/2021, Experian, HAS NOT UPDATED MY PREVIOUS ADDRESSES CORRECTLY. I have attached the inaccurate address printed from Experains website. My previous address was XXXX XXXX XXXX, XXXX, NC XXXX. Which is spelled out incorrectly on there website. I have attached that to show as proof of inaccuracy. When I printed my Experian consumer credit report on XX/XX/2021 and the PREVIOUS ADDRESS are inccurate. The print out version of my credit report has 2 incorrect addresses. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX IS NOT MY PREVIOUS ADDRESS. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX IS NOT MY PREVIOUS ADDRESS. Check the dates that I printed these document as well. One document is a print out and the other is from a website screen shoot of my personal information. Both come from Experian website.

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 2018-11-23
Company: HW Holding, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX, XX/XX/2018, Hunter Warfield ( Bill Collector ) contacted me at XXXX which is an observed Holiday and known inconvenient time in which was a violation of FDCPA laws. They first would only ask for me by name and would not tell me where they were calling from which is a violation of TCPA laws. They did not tell me that the call was being recorded at the onset of the call in which also is in violation of Florida law. 

I had let them know that it was an observed holiday and an inconvenient time and they did not care and they were quite rude in regards to speaking with me, again before I was to sit down for XXXX dinner. I had called back and asked to speak with a manager who I had told that they were contacting me on an observed Holiday and he did not care and became rude with me as his only care was my bill. 

On XX/XX/XXXX they had contacted me again on my cell phone while I was at work. Again asking for me by name and not telling me who they were until I was upset. Once this occurred I had spoken with them in regards to the holiday call and they did not care and were rude. I let him know I was going to speak with my lawyer into the matter to see if this was legal. The individual became even more rude and disconnected the call after he was insisting I give him my lawyers contact information. I had told him I would connect with my attorney prior to them speaking with him in which he just threatened he has 14 days to contact him. I had called them back and spoke with someone else in regards to how I would not be threatened or spoken too in that manner and that I was reporting them to the XXXX/CFPB and possibly my State Attorney General. 

This type of business practice must stop. I have told them where my bills are and when I can make payment and they do not care and just become more rude. They have contacted me many times prior to this but I was not tracking it as I am now. I have seen that there is over 500 reports against them with the XXXX XXXX in which I have filed mine as well now. I need assistance in this manner.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation