BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-21
Company: American Financial Network Inc.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I initially applied for a mortgage loan with American Financial Network. 
I gave a Sr Loan Officer there by the name of XXXX XXXX ( XXXX # XXXX ) my information. 

She ( XXXX ) initially replied back with Pre Approval with different options ( including Down Payment Assistance options as well as Conventional Mortgage. ) I replied with there are some items on my credit report pulled that are incorrect. 
She instructed me to send in proof documents detailing incorrect information/accounts. 
I sent all documents back in & notified her through Email & text message. 

This was over a week ago & I repeatedly tried calling, texting & Email but no response. 
I attempted another call this morning & my call was blocked this morning. 

This lack of communication from loan officer/ mortgage lender I feel is completely unacceptable business practices. 

I'm sending this complaint via online. 
However, I do have proof of my numerous communication attempts to furnish if needed. 

Thank you for your time

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 2022-04-21
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has violated my rights 15. U.S.C 1681 section 602 A. States i have the right to Privacy.

15 U.S.C 1681 Section 604 A section 2 : It also states a consumer reporting agency can not furnish my account without 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 2022-07-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
they are unauthorized inquires only credit report and there are a few companies that's listed more then three times I did not authorized any of these inquiries

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 2016-08-01
Company: WESTERN UNION COMPANY, THE
State: OK
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
I made a transaction using western unioun, about 7hrs later, I seen where the declined the transaction and they never gave me reason why.The took $ XXXX plus {$11.00} for the fee off my card.they said it would be put back on in 7 days.XX/XX/XXXX is when i sent they western union or tried to .It is now XXXX XXXX and i still havent got my money, and i have called, i have sent bank statements showing where they took my money.I am getting know where with them, The way i see it they took money off my card in 3 seconds, it shouldnt take 30 days, I really need that money at the time.They just wont work with me or tell me the truth they just give me the run a round.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( XXXX, EQUIFAX, XXXX ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( XXXX, XXXX, TRANSUNION ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.

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 2015-05-22
Company: BB&T CORPORATION
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Regional Acceptance continues to fill my work mailbox with voice mails after I have repeatedly asked them not to call my place of work and have advised them that I would never answer the phone if they called me at work. They call numerous times a day, they begin calling as soon as a payment is late. I had been advised on a few different occasions that they would remove my work number from their calling list and that has not happened. Yesterday I picked up the phone for XXXX of their calls for the XXXX time. I advised them that I had setup a payment arrangement a day prior to taking the call. Again I told them not to call my job. Today, even though a payment arrangement has already been setup, the calls to my job continue. These folks have proven themselves to be so incompetent, they tell you what you want to hear and they keep harassing you. I got back from XXXX 4 weeks ago and found my work mailbox completely full. Because of the numerous voice messages, coming from both an automated system as well as employees calling, there was no mail box space available for actual business calls. I want the calls to my job to STOP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: WESTERN UNION COMPANY, THE
State: WA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
In XXXX 2016 I sent money by Western Union to a XXXX XXXX XXXX in XXXX. I do this often as I manage a small XXXX retreat center in Washington state. I made a mistake when I first sent the money by sending it to XXXX, forgetting that he was now in XXXX. I resent the money to XXXX. No problems. However, I called Western Union to see if I would be eligible for a refund of the money I sent to XXXX. It was never picked up due to the XXXX being in XXXX. I was told 'Absolutely! You will get a refund. Just do this ... .. ' Well, that was XX/XX/XXXX. I have been dealing with WU all these months being told each time I called 'just do this .... ' The last 'just do this ' was to send notarized statements of where I lived, my ID and I even included bank info. I was given the usual story ... .you 'll get a check in 1-2 weeks. I never received anything and they can not prove that they sent anything. The last 2 times I called I spoke to supervisors who essentially gave me the run-around. The last one even said 'yes we have all your information including the notarized documents. Just send us more notarized .... ' I cut him off and said I would not do that, that they had everything they needed for the refund. He actually laughed!! I have documented all of my conversations from XX/XX/XXXX through XX/XX/XXXX. 
Obviously they have no intention of refunding the money. Of course I would like to get my refund but more than that, I would like to see this behavior stopped. What happens to people who are not English speakers or who have trouble with complex directions or both? They are easy prey. Thank you for any help you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
To Whom It May Concern : I have repeatedly called Merrill Lynch to ask for funds out of my account and they continually keep telling me " 24-48hours '' and every time I ask them to call me back or keep me updated and they never respond. 

I do have two accounts with them ( XXXX is functioning properly ) however on the account in question, I transferred {$3000.00} on XXXX and as of writing this today XX/XX/21 they have still frozen/locked the money. 

What can I do? Please help, 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 2022-04-21
Company: Early Warning Services, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
I used Zelle on my XXXX  bill pay feature to send {$500.00} to my sister on XX/XX/XXXX. She used Zelle on her credit union 's bill pay feature to reimburse me yesterday, XX/XX/XXXX, @ XXXX XXXX. Since then she and I have gone back and forth with our financial institutions to determine why I haven't received the {$500.00}. Her credit union confirmed that the funds were deducted from her account and credited to my account. However, the funds are not there, in my account. Not the financial institutions nor Zelle will take responsibility for this fiasco. They've set up a merry-go-round of excuses as to why your money is lost and gone, tough luck. Zelle is a XXXX party subcontractor with my bank, XXXX XXXX. Many banks offer this so-called " service. '' When you have an issue with this " service, '' the bank blames Zelle, Zelle blames the bank, and they both blame the consumer. I noticed there are XXXX of complaints representing an untold amount of consumers ' hard-earned cash regarding Zelle and banks that misrepresent the ease and reliability of the service. Zelle typically responds that basically the consumer is too stupid to understand how to use the service. The bank must have a list of reasons why it's the customer 's fault that the money seems to now be lost in cyberspace. They include that the customer must've done something wrong or that Zelle has an " instant '' pay option and a " standard '' pay option - NONE of that instant/standard information is prominently displayed by Zelle OR by the banks. This company, Zelle, needs to be investigated by the XXXX, the XXXX, and all State Attorneys General! The Banks should also be investigated in the same way. This is fraud and willful misrepresentation on the public and frankly, we're sick to death of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to get calls from XXXX, who state they are a debt collector. I have no debts, other than a couple of credit cards, which I pay off monthly. I have no idea why they keep calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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: Their investigation did not fix an error on your report

Complaint:
I forwarded a letter to the XXXX and TransUnion Credit Bureaus dated XX/XX/2022 to update these inaccurate accounts. I think you have not confirmed these pieces of information in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX, and I'm including it again : XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2017-01-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I sent multiple letters to EXPERIAN disputing the credit reporting on the following items on XXXX XXXX, 2016 which they received on XXXX XXXX, 2016 ( USPS TRACKING : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ) : XXXX - XXXX 90 LATE PAYMENT STATUSES IN XXXX AND XXXX on all XXXX accounts with XXXX. 
XXXX - XXXX 30 DAY LATE PAYMENT STATUSES IN XXXX AND XXXX XXXX - THAT I OWE {$840.00} AND THE ACCOUNT WAS CHARGED OFF. 
XXXX - I HAD A 30 DAY LATE PAYMENT ON XXXX XXXX XXXX - THAT I AM 150 DAYS PAST DUE AND OWE {$7000.00}. 
In the letters I asked them to " Please validate this information with the creditors and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that the 30 day late payment be immediately deleted from the credit file you maintain under my Social Security number. '' They did not respond back with in the 30 days with any viable proof bearing my signature. When I call them they tell me they ca n't do anything. I have dealt with the creditors and they tell me to talk to the credit bureaus, and when I call the credit bureaus and they tell me to call the creditors. It is a never ending circle.

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 2022-04-21
Company: Prince Parker & Associates
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to inaccurate items in my credit report. It has been well over thirty ( 30 ) days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: NV
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 accounts 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/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX XXXXXXXX XXXX Balance Owed : {$15000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$23000.00} DEPTEDXXXX XXXXXXXX Balance Owed : {$19000.00} XXXX XXXX  XXXX Balance Owed : {$460.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: SD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I deal with Carrington Mortgage Service. I reached out to them in XXXX when the rates were low about remodifying my loan. The rates were at about 2 %. I have tried to keep in total contact with these people to get this spearheaded. I have called at least once a week trying to keep on top of this. I have been met with so many different people telling me I had to do different things, right down to having to redo the paperwork!! First I faxed the paperwork. I called back to check and see if everything is ok. I am told the signature page got cut off. So I went down to XXXX XXXX and refaxed the signature page. I called back and was told that the whole thing had to be redone because of multiple errors! I had one error where I accidently put the yearly income instead of the monthly income. I was told they were sending me another packet so I wait and not packet. I call back and was told to download off of the website. Ok so I did this and resent the packet. I finally resent it again on XX/XX/XXXX. I call back to touch base and find out if it is good. I was told that it was in final review to call back following Friday. Before I had a chance to call back they sent me a paper telling me that my form was incomplete again!! Talk about mixed messages.. So I called again and was told to ignore that notice that they had the final paperwork. To my surprise they are telling me that I was not getting the 2 % but I am getting 4.62! because I was told I got the rate that was standing when the paperwork was approved. My loan now is at 4.75 % I feel that they were leading me around to get by interest rate. How can my paperwork be incomplete and approved within 4 days of one another without any revision? I feel that I am being discriminated against and taken advantage of and the victim of predatory lending practices. I am almost to retirement age. I have had to deal with XXXX among a host of other XXXX  issues since XX/XX/2021. I have been told by numerous people for a big fee {$4000.00} and up they could help me. I don't have that either. I need some serious help with these people and do not know where to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: WESTERN UNION COMPANY, THE
State: GA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
on XXXX/XXXX/2015 i went to store # XXXX XXXX GA XXXX XXXX XXXX to put on my prepaid card and i was told to pick up the western union phone an i did and the lady proceeded to ask me for my account # an i told her it was a prepaid card i wanted the money to be available the same day she still ask me for acct # ok so when the money wasnt available within a couple of hours i call the western union back an told them that she did n't conduct the transaction correctly an i needed a refund an they told me i had to wait XXXX hr an i been doing that since this happened an still waiting for my money they told me it would be in my bank on Monday it Tuesday its still not there i call again they told me to wait XXXX more hours please help so angry they have terrible customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the midst of refinancing at another bank, my current mortgage was picked up by another bank thru an acquisition. The new bank is M & T bank. They marked me late for a mortgage payment. The month prior I set up a draft, which was taken out 4 days late. No issue with the bank. 

The next month it was never taken out. I attempted to login to the banks online service & was blocked. I have a print out of this. The payment is due, per the invoice on XX/XX/XXXX. In this case XXXX XXXX. They marked me late XXXX XXXX. Interestingly, there was no late fee, but I was late for credit purposes. I learned about it from my banker doing the refi. 

M & T was no help at all. One person there said they attempted to contact me via phone regarding the draft.When I made a follow up call, the woman I spoke to had no phone number on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: ME
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 WAS PREVIOUSLY AN AUTHORIZED USER ONE OF MY EX-HUSBAND 'S CREDIT CARD ACCOUNTS ; HOWEVER, I REMOVED MYSELF FROM THIS ACCOUNT A MONTH AGO, YET IT IS STILL SHOWING ON MY CREDIT REPORTS. THIS IS THE XXXX XXXX  ACCOUNT. IT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY. I AM NO LONGER AN AUTHORIZED USER ON THIS ACCOUNT, I HAVE NOTHING TO DO WITH THIS ACCOUNT, AND I AM NOT RESPONSIBLE FOR IT. I HAVE ATTACHED SCREEN SHOTS OF THE ACCOUNT AS IT SHOWS ON MY CREDIT REPORTS. AGAIN, THIS IS THE XXXX XXXX ACCOUNT THAT NEEDS TO BE DELETED FROM MY REPORTS IMMEDIATELY AS I AM NO LONGER AN AUTHORIZED USER ON IT AND IT IS NOT MY RESPONSIBILITY.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: Experian Information Solutions Inc.
State: CA
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 submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX and I'm including it again. 
XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$38000.00} XXXX XXXX XXXX XXXX Balance : {$250000.00} XXXX XXXXXXXX Balance : {$0.00}

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 2022-07-26
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
they are unauthorized inquires only credit report and there are a few companies that's listed more then three times I did not authorized any of these inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We am trying to modify our mortgage that got sold to Carrington, they lost the paperwork, i have proof I sent the paychecks and the other information they said they needed to update. They told me I have to start again and they told me they will send the paperwork. I have not received it, I called twice.

Company response to consumer: Closed with explanation