BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-15
Company: AMERISAVE MORTGAGE CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for a refinance of my mortgage home loan on XXXX XXXX. I provided all loan Documents needed for the approval process. AmeriSave has a portal on their website to track the progress of my loan approval. AmeriSave showed my loan was approved on XX/XX/XXXX, and final closing disclosures were signed by me and submitted to the mortgage company. I signed the loan documents on XX/XX/XXXX with the Notary, who sent the signed documents to AmeriSave and was received by AmeriSave via ( XXXX on XX/XX/XXXX ). The loan was scheduled to fund on XX/XX/XXXX. As of this date, my loan has not funded. I was told by the escrow company, that AmeriSave has not sent the signed documents to them, so they can fund. I am not able to get a response from my Loan agent at AmeriSave, or the loan processor. Today is XX/XX/XXXX and I have no knowledge of the funding date of my loan. I am afraid my signed loan documents have been misplaced by AmeriSave or have been lost. 

Upon request, I can provide you with multiple emails and requests I sent to the employees who were handling my loan. I am experiencing Lack of communication and poor customer service and no follow up with the client, at both the mortgage company and the escrow company. 

I respectfully ask that you assist me in resolving this issue. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Experian Information Solutions Inc.
State: NC
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:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

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 2018-11-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Our business are XXXX/XXXX having customers in XXXX and USA, we have received proof of transfer for {$2500.00} USD from one of our customers in XXXX on XX/XX/2018, transfer was on hold by OFAC ( Office of Foreign Assets Control ), I already file a license required by OFAC on XX/XX/2018, but at this time my money still on hold, I already talked to WELLS FARGO and XXXX ( XXXX Bank ) several times because OFAC say that the banks are responsible to work on the case. 

I don't know why OFAC has my money on hold if I already send to them proof of all invoices and all documents they request to me, we work hard to obtain this money. 

I hope you can help me with this matter. 


Best Regards,

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 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX XXXX XXXX Response to complaint XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report. I would like this account removed immediately from my credit report.

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 2018-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hello, i am sending you this complaint because i tried getting these inquires off my credit with Transunion and XXXX. The credit bureaus did not want investigate even after i explained that they were not authorized by me. This has been very stressful because the credit bureaus don't want me to help me. 


XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX   XXXX  XXXX ,XX/XX/XXXX XXXX XXXX XXXX XXXX   XXXX, XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX/XXXX - XX/XX/XXXX XXXX & XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX -XX/XX/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 2020-09-18
Company: EQUIFAX, INC.
State: SC
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/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EQUIFAX, INC.
State: CA
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 did not authorize XXXX  XXXX XXXX Auto Financing Companies to run a hard inquire credit check. I was not even in the country - for the dates the inquire was made ( Please see the attached docs ). Please have XXXX XXXX remove all inquiries appearing on my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-24
Company: Experian Information Solutions Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
WHY ARE YOU REPORTING THIS INACCURATE INFORMATION? THE BALANCE ON THIS ACCOUNT IS {$0.00} MEANING THERE ISN'T AN OBLIGATION THAT'S DUE. THE BALANCE WAS PAID OFF OVER 10 YEARS AGO. THIS INACCURATE INFORMATION IS DEFAMATION OF MY CHARACTER.The obligation was paid theres no need to have inaccurate information reporting especially when the obligation has been met these types of things destroy a person 's life and character. 


THIS ACCOUNT SHOULDN'T BE LISTED AS DEROGATORY WHEN THE BALANCE AND {$0.00} AND NOTHING WAS NEVER OWED ON THIS ACCOUNT DELETE THIS INACCURATE INFORMATION. 
WHY ARE YOU ALLOWING A SCAMMER TO RUIN MY LIFE AND YOU WONDER WHY ITS XXXX  VICTIMS.

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 2018-11-20
Company: EQUIFAX, INC.
State: MD
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: Other problem getting your report or credit score

Complaint:
I have already reported a Dispute with Equifax ( resolution code XXXX ) & XXXX XXXX ... ( When contacting XXXX   provide your current file number : XXXX ). 

I can't see the results because apparently they don't have my Birth Date information with Equifax ...? ( They have my entire Credit file but somehow without my accurate Birth Date? ) And I can't see my Dispute resolution because of an error that is simply Not My Fault! 
I have called them, multiple times and they wanted me to Fax my Birth Certificate & Driver 's License to them ( the request originated in the XXXX! ) I declined due to obvious security possibilities .How do I Proceed? Please Assist Me! 

Thank You, XXXX XXXX XXXX, MD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-30
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX XXXX XXXX Response to complaint XXXX XXXX XXXX XXXX has decided to close and delete an account in response to a complaint that was filed. However, they have erroneously stated that it takes 60 days minimum for the credit bureaus to update their records and have this reflected on my credit report. I would like this account removed immediately from my credit report.

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 2021-04-27
Company: EQUIFAX, INC.
State: WA
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 sent certified letters to XXXX, Equifax and XXXX  post marked XX/XX/2021 and received return receipt on XX/XX/2021 regarding the validity of 4 accounts on my credit report XXXX XXXX XXXX  XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX I have not received a response from any of the credit reporting agencies, these items should be removed immediately Best regards,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ND
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:
On XX/XX/XXXX2018 I receive a notice of a increase in a visa interest amount. the increase on the account was due to a bad credit score, they obtained the score from Transunion out of XXXX, PA. All information in this report is false and incorrect. I have kept all accounts current and in most case 's pay off the loan before it due time. the house was paid off 15 years ahead of note due date. All car loan paid on time and paid off on time or before due. Credit card XXXX limit owes XXXX of which will be paid off on XX/XX/2018 always on time never late. balance in checking account XXXX on main account AEP account XXXX savings XXXX plus more, XXXX loan on all real property .Value at XXXX other property value is excess of 150000. plus more.

Tran Union was contacted and they just blew me off and said Its not their problem because of false information they sent out. Well its there problem they are filing false for the public to know of and they should make it right.

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 2021-02-01
Company: EQUIFAX, INC.
State: GA
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 recently starting using the XXXX  app and one I got a copy of my credit report, I instantly noticed an inaccurate address in which I have never lived at and inquiries misreported inquiries for credit that I don't recognize on all 3 ( XXXX, Equifax, XXXX  ) of my credit reports. I wrote dispute letters to all three and its been past 30 days since, I mailed to Equifax on XX/XX/XXXX and XXXX on XX/XX/XXXX. I have gotten no response from the credit bureaus and I have been having trouble getting in contact over the phone. I am looking to build my credit so i can qualify for Housing and this scenario doesn't help. 

XXXX  Wrong Address - XXXX XXXX XXXX  XXXX, Ga XXXX Correct Address - XXXX XXXX XXXX XXXX, XXXX, Ga XXXX 1. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 2. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX  XXXX XXXX 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX  XXXX XXXX 4. 
Account Name : XXXX XXXX  XXXX. 
Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX - Non Specific Equifax 1. 
Name : XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX 2. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX Credit Card 3. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX 4. 
Account Name : XXXX Date Filed : XXXX Type of Account : XXXX Credit Card 5. 
Account Name : XXXX XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX  1. 
Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  2. 
Account Name XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 3. 
Account Name : XXXX XXXX  Date Filed : XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 4. 
Account Name : XXXX Date Filed : XX/XX/XXXX Type of Account : XXXX XXXX XXXX XXXX XXXX 5. 
Account Name : XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX, XXXX  6. 
Account Name : XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : XXXX  I attached the letters I sent to the credit agencies,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Experian Information Solutions Inc.
State: CA
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 credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-01-19
Company: EQUIFAX, INC.
State: TN
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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited my XXXX  check with XXXX  signature they closed my account. Called multiple times said check in the mail. Than they said we both have into bank and show ID. Also did that. Checks all cleared and they won't release my money. No fraud was made and proved it but said they are not giving me my money. Not only her checks but my payroll checks also.

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 2023-05-04
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2023, I disputed several items on my Experian credit report. The information was sent via certified mail and was received on XX/XX/2023. Its been 30 days since the confirmation has been received and Experian failed to response withing the time lime by federal law. Therefore, they are in violation of the following, 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 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 explanation
Consumer complaint received 2018-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
In XX/XX/2018 I reported fraudulent activity on my checking account. Someone charged over 1500 dollars using my debit card. Bank of America had even flagged my account for fraud, yet they are now claiming I authorized those purchases and want to take back the amount credited to my account. The card was not stolen and yet my PIN was used, according to the bank and they did not alert me.

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 monetary relief
Consumer complaint received 2021-07-09
Company: TD BANK US HOLDING COMPANY
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 250 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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 Account # XXXX 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 instruction

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 2018-11-19
Company: Select Management Resources, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XXXX XXXX and I agreed for me to make 9 payments to payoff the loan and my title would be returned. I called XXXX XXXX XXXX XX/XX/18 stating I would be paying the loan off but would like my title to be available at that time. XXXX told me the title was in a location here in XXXX so it would take 3 days to get to them. A representative from phone XXXX called to tell me the title was mailed to the location on XX/XX/18. On this phone call the representative says the Title takes 7 days to get to the location instead of 3 days. This has been more frustrating and confusing getting my Title than XXXX XXXX sending it to the DMV. I assume the Attorney agreed because she did not call to let me know. I wanted to make one trip to payoff and get title. I started calling the XXXX XXXX location on XX/XX/18 - XX/XX/18 to check if title had arrived so I could take care of everything. I received several time frames and contradictory answers for the store. Since I felt the location was holding the title until I made the payment, I decided to payoff the loan today ( XX/XX/18 ). It was an issue to make the final payment with Debit Card so XXXX called someone to get an OK for me to pay with that method. Then later told the title wasn't there

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation