BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-30
Company: AMERISAVE MORTGAGE CORPORATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Endless requests for obscure paperwork delaying loan processing and finalization I applied over the phone XXXX and paid the {$500.00} appraisal fee with XXXX - very kind and helpful. Uploaded all documents by the end of the month but no response. My loan originator changed to XXXX after XXXX had left. After uploading an entirely new set of the same documents, no response. I called AmeriSave and only got through by selecting menu option for new customer ( not existing applicant ) because email and phone appointments with XXXX were unreliable. When I did reach him, he was very helpful and kind. He set up my appraisal ( initially told might not need it ) and report was sent shortly thereafter ( XX/XX/12 ). After that, I thought we were ready to go. But I am still getting auto generated emails everyday requesting some new document. I've purchased two houses before and been through the mortgage loan origination process. This company 's workflow is nonsensical - endless requests for documents, invoices, new paystubs from the same employer that no other bank has ever requested - and they do not request them all at once. It's all piecemeal so that the process gets drawn out with no known end in sight. If you are looking to obtain a mortgage on a tight schedule, this is not the company for you. I discussed the troubles with my husband and he raised the issue of this company 's legitimacy. I found many similar complaints on the XXXX  website, many of which were resolved, so I'm hoping this will do the trick. Another concern - I check my emails and the website for updates but never gave consent for mobile updates. Yet now I am getting text reminders to upload documents. There is a phone number to call in the text but it goes straight to voicemail. Again, very odd service and workflow. Everyone is very nice but the operations are so erratic that I'm still very concerned this company is handling documents with all of my personal information. Would just like this to be over and done - either refund and end relationship or process loan and complete transaction.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-30
Company: EQUIFAX, INC.
State: AZ
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/2020 i sent Equifax XXXX and XXXX More than enough supporting documents to have 3 accounts that do not belong to me removed or blocked from my credit history. i was very straightforward by telling the three credit bureaus that these accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX did not belong to me and that i had never opened these accounts nor did i ever give anyone permission to open these accounts under my name. i filed a police report and a FTC report to have these items removed and they are still being reported. I Did not open these accounts and they are not associated with me in any way shape or form. i have no contract with any of these companies listed in my police report or FTC report. I also called the three major credit bureaus to ask if they had attached my complaint documents so the companies can see them and they stated No they didn't which violated my rights as a consumer and did not give me the fairness to have these accounts removed. i have also sent enough proof to identify myself with my arizona drivers license and two current utility bills

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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/2020 i sent XXXX XXXX and TransUnion More than enough supporting documents to have 3 accounts that do not belong to me removed or blocked from my credit history. i was very straightforward by telling the three credit bureaus that these accounts from XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX did not belong to me and that i had never opened these accounts nor did i ever give anyone permission to open these accounts under my name. i filed a police report and a FTC report to have these items removed and they are still being reported. I Did not open these accounts and they are not associated with me in any way shape or form. i have no contract with any of these companies listed in my police report or FTC report. I also called the three major credit bureaus to ask if they had attached my complaint documents so the companies can see them and they stated No they didn't which violated my rights as a consumer and did not give me the fairness to have these accounts removed. i have also sent enough proof to identify myself with my arizona drivers license and two current utility bills

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 2016-09-03
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am submitting this complaint about experian credit reporting agency as I submitted additional substantial proof that an account that is reporting on my credit report is incorrect. My XXXX charge card/XXXX is reporting with a 30 day late remark and listed under accounts that are potentially negative. This is wrong information. I contacted XXXX XXXX and received a letter from them stating that this account was never paid late and should be reporting as accounts that are in good standing. I sent in a copy of this letter to experian as additional substantial proof. Yesterday I received a letter from experian XXXX/XXXX/2016 that the information I sent in they will not accept and change the incorrect information on my report. Experian did not do a full investigation. The letter I sent in to them that came directly from the bank should be valid proof that my report needs to be changed. I had also contacted experian numerous times in regards to my credit report and was told they will not investigate this information again as it has been disputed a few times before. I was told only if I have additional proof will they do a re-investigation. Well I submitted the additional substantial information and it should have been corrected. Having this wrong information reporting on my credit report is causing a hardship on my credit score.

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 2020-12-30
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX Location - Best Buy They promised us {$140.00} for tech support and was charged {$190.00} instead.Customer service with your company is nothing but a nightmare

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 2020-12-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulant reporting of negative information and iquiries on my Personal Identity report with Chex Systems.

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 2015-09-06
Company: Pacific Union Financial, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company increased my monthly amount from {$860.00} to {$1100.00} for the next 12 months. I was told by them that my property tax and home insurance increased and they paid the increase in my behalf for a year. I asked why was n't I notified when this increase first happen.i informed pacific financial union that I did not receive a phone call or letter until they increased my monthly mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2020 Bank of America has a security hold on my account and will not let me access anything. I have called three times today and have spent more than three hours on hold. Each time I have been hung up on. They have wasted my entire day and just disconnect me every time.

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 2020-12-30
Company: EQUIFAX, INC.
State: IN
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/20 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 im 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 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2022-03-19
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
No money has been withdrawn to my knowledge, or used. However, there is still a hard inquiry on my credit report from someone who attempted to open an account with Wells Fargo ( XXXX XXXX XXXX ) on XX/XX/21. If the credit application was declined, that's great however it is affecting my credit score and needs to be removed!

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 2022-03-19
Company: Experian Information Solutions Inc.
State: CT
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:
First problem : Experian requested documents verifying my first and last name by US Mail. I responded by sending a cover letter asking Experian to remove the suffix " 3 '' from my name, W2 's from both of my current employers, a photo copy of my current driver 's license ( front/back ), and a copy of 2 current utility invoices ( residential gas bill and residential light bill ). Experian is refusing to respond and has not updated my information in my credit file. There is no suffix of " 3 '' at the end of my last name and there never was. I have been trying to correct this issue since 2020. My first name is XXXX and my last name is XXXX. Second problem : I am also having an issue activating and deactivating my credit freeze per diem. Experian has not fixed this issue. I am not able to sign in online into my Experian profile. I called customer care and can never speak to a representative.

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 2020-12-30
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I requested Venmo to provide me with all details regarding unauthorized activity on my account while it was under the control of a hacker. Venmo Support has largely been unresponsive, and when they do reply, they do not address my issue in any way. 

On XX/XX/XXXX, a hacker accessed and locked me out of my Venmo account ( as well as PayPal and all my email accounts ). They somehow gained control of my old phone number, which was still tied to the accounts.

Every day for seven weeks, I tried to work with Venmo Support. I had to open many tickets because Venmo would close them before the issue was resolved or simply stop responding, even after following all their instructions. When they did respond, it was obvious they did not read my Support Requests as they would only advise me to follow the prompts to regain my account, but without the phone number tied to the account, that was not possible. Four times they did ask for proof of my ID, which I provided, but they would not follow up or respond afterward. 

The hacker managed to get {$6700.00} from my bank account before I could notify the bank on XX/XX/XXXX. After I worked with the bank, Venmo began refunding directly to my Venmo account on XX/XX/XXXX. Because Venmo still did not restore access to my account nor lock it as I repeatedly requested, the hacker was able to get another {$6700.00}. The hacker transferred all of these funds to a bank card they attached to my Venmo account. 

On XX/XX/XXXX, I was finally able to get access back ( after seven insanely frustrating weeks ). Throughout the seven weeks of this process, I repeatedly asked Venmo to provide details about the activity on my account, but they never responded to these requests. 

XX/XX/XXXX, I started a new ticket requesting the information for every transaction that occurred while the account was in control of the hacker and the information tied to the bank card the hacker attached. The information for the fraudulent bank card could help with the police investigation and details on the transactions ( completed and attempted ) will help me understand what happened with *my* own account. 

In summary, Venmo Support has been slow to respond or incompetent in the months since my account has hacked. Venmo has allowed a hacker to continue defrauding me and others, Venmo gave this hacker an additional {$6700.00}, and Venmo has prevented me from providing information to the police.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Noticed some fraudulent stuff on my credit reports and did n't know what to do. Call and asked around everywhere I went, XXXX, ftc, now here said to file theft affidavit. I 've tried to work with this bureau but they wo n't help. Attached is my file and let me know if you need me to do anything else.

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 2016-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My reports shows judgement it 's not mine I have been disputing for several months but still on XXXX credit bureau also I did offer in compromise with irs and paid settlement in my reports showing judgement from irs collection when I settled with irs I need my reports corrected asap please

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 2016-03-22
Company: Guglielmo and Associates
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
On XXXX/XXXX/16 I noticed a significant amount of money missing from my daughter 's and I checking account ( she is primary ). I then pulled up my bank info and seen that there was a debit for {$1200.00} on XXXX/XXXX/16 w/ XXXX others legal fees of {$120.00} and {$150.00}. I went to the bank to get any info I could and all they could provide me was a phone #. I called and was prompted to contact my employer directly ( garnishee ) My employer received no notification of such action being taken, nor had I. I finally googled the phone # to find a website of a law firm/debt collector. I filed a complaint on that website stating that I received absolutely no notification of this action and wanted the my daughter 's funds returned to the account and that I can only communicate by email until XXXX due to my work hours and would be able to take calls after XXXX. I noticed about 10 minutes after XXXX I missed that phone call at XXXX XXXX ( I was n't even logged out of my work computer ) This morning I sent another message to them to wait at least 8 min after XXXX so I am clear to answer my phone. 
I still do not know what this debt is for or if it is even legitimate. 
The law firm whom debited funds belonging to my daughter is Guglielmo and Associates in XXXX, AZ XXXX. 
I appreciate any assistance I can get. Thank you, 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 2015-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Account terms and changes

Complaint:
A few months ago I signed up with Transunion for what was represented as service for credit monitoring and credit score tracking. It was promoted as costing {$1.00}. Subsequently I learned that there was a monthly charge of {$17.00}. I became aware of the charge in the last two months but it has been billed to my card for the last 5 months, according to TransUnion. On XXXX XXXX, 2015, I called and cancelled the service. When I was waiting to speak with a supervisor about getting a refund on charges billed, Transunion ended the call. 
I believe TransUnion is engaging in an unfair, deceptive, and possibly abusive practice. I do not recall seeing any disclosures about the monthly charge. I would not have signed up if I understood there were any charges besides the {$1.00} fee - even after a trial period. I am asking for the CFPB to help get my money back and to get Transunion to stop this practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it. 

In addition my middle name is incorrect on my 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 2020-12-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
This is my initial complaint against XXXX and Equifax, who are violating the Federal Credit Reporting Act, which states that creditors can not furnish information about consumers to consumer reporting agencies following mergers, portfolio acquisitions or sales, or other acquisitions or transfers of accounts or other obligations in a manner that prevents re-aging of information, duplicative reporting, or other problems that may similarly affect the accuracy or integrity of the information furnished. For the past 5 months, I have disputed a debt that is being reported on my credit report twice. XXXX XXXX, acct number XXXX is reported an alleged debt owed to them in the amount of {$520.00}, and a debt collector, XXXX XXXX, acct number, XXXX is reporting debt owed to them in the amount of {$520.00} that was originally owed to XXXX XXXX XXXX I am emotionally stretched thin and exhausted from writing to XXXX and Equifax about the reporting of these 2 accounts. 

I contacted both companies on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( see attached certified receipts ) and I have yet to receive a written response back from either company nor have I viewed any recent changes to my credit reports that I reviewed using their companies website. I'm requesting the immediate removal of both accounts, XXXX XXXX & XXXX XXXX due to willful negligence and improper investigation. Several consumer laws have been broken and these 2 companies are utilizing the pandemic as an excuse to NOT DO THEIR JOBS. 

If XXXX and Equifax are conducting an investigation why are there so many inconsistencies from the same company. On the XXXX report, XXXX XXXX is showing an account status of open, yet Equifax is reporting an account status of closed. Is the account open or closed? Why is XXXX reporting 2 different account statuses? I reached out to XXXX & XXXX XXXX and I have yet to receive an response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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