BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-01
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The white-collar crimes committed by Wells Fargo , XXXX XXXX XXXX XXXX along with the unequivocal stamp of approval by the XXXX XXXX of New Jersey XXXX XXXX , has set a precedence of fraud and deception throughout the state and snuffed us out of our homes and ultimately robbed us of our Due Process of the Law. 

1. In XX/XX/XXXX, I was offered a trial modification with Wells Fargo to begin XX/XX/XXXX, whereby I would call the 1st of every month to make my payment. XX/XX/XXXX, Wells Fargo denied my payment stating that I had unresolved title issues which were never proven. 

2. I received a letter from Wells Fargo dated XX/XX/XXXX, that gave me new mortgage payments to start XX/XX/XXXX. A gentleman showed up at my house on XX/XX/XXXX to inform me that he was the new owner of my house because he purchased it at a Sheriff 's sale on the previous day ( XX/XX/XXXX ). 

3. This sale was vacated on XX/XX/XXXX and the proceedings were never recorded. The Successful Bidder was granted a clear title on XX/XX/XXXX, 9 days before the sale was vacated, but never reversed in the XXXX XXXX XXXX. Because of this title, he sold my property to a friend. 

4. After living in my house for over 50 years and owning it for over 30, I was evicted from my home on XX/XX/XXXX. Seeking restitution for the evil plaguing our communities and justice for all parties affected.

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 2024-01-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
On XX/XX/XXXX I received a call from someone named XXXX from Bank of America who stated he was calling regarding a forbearance. 

I asked what day does it start and end. Per XXXX it starts on XXXX. I then ask what happens to XX/XX/ and he basically talked in circles. I repeated the question again but rephrased it. A nightmare. 

It was a simple question that should have an answer somewhere at Bank of America. After going round and round, he finally said XXXX is covered? What should have taken 30 seconds to answer turned into five minutes of confusion. 

I still dont think he knows. I then asked about the repayment options and he stated it could be this it could be that. No one knows until the forbearance ends. 

I then stated that cant be because the first forbearance they provided the repayment options at the time the forbearance was approved. 

Also my investor publishes the repayment options for forbearances. However, apparently my investor hasnt made Bank of America aware of these options.

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 2023-05-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please omit these items immediately : 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

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 2022-12-26
Company: Experian Information Solutions Inc.
State: MD
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 recently obtained my credit report in XX/XX/2022 and XX/XX/2022 and I filed several disputes due to the inaccuracy information that is being reported on my credit report. I requested the credit consumer agencies ( Experian, XXXX, and XXXX ) to investigate and delete the following account : Account Name : XXXX XXXX XXXX Account # : XXXX In accordance with the Fair Credit Reporting Act, the information on the consumer report must be 100 % accurate, and Under 15 U S 1681i, 15 U S Code 1681e ( b ), 15 US Code 1692e ( 5 ) False or misleading representations- legal status of any debt ; The false representation or implication that any individual is an attorney or that any communication is from an attorney ; The threat to take any action that can not legally be taken or that is not intended to be taken. As you see in the reports, there's several comments about the account being assigned to an attorney. 

XXXX has, on several occasions, reported me as collections for several months, when I have made payments. As you can see on the attachments, XXXX XXXX XXXX has fraudulent ways and they are trying to cause distress and make it hard for me to obtain credi0, which is why my credit score dropped. Please see this matter and address it immediately. After disputing this account with the three big credit reporting agencies, they have yet to provide me with the documentations of their investigation. I have also included a copy of the letter I sent to the big three credit reporting agencies.

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 2022-11-19
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX ( orginal XXXX ) at # XXXX XXXX -- XXXX XXXX XXXX XXXX  XXXX XXXX -- XXXX XXXX XXXX Act # XXXX XXXX -- XXXX XXXX XXXX # XXXX XXXX -XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or have reasonable cause to believe the information is inaccurate.

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 2023-09-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-13
Company: Capio Partners, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am a victim of identity theft, I dont know anything about it. The amount they say I owe is XXXX on XX/XX/2023 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-04
Company: SYNCHRONY FINANCIAL
State: CA
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Personal line of credit
Issue: Problem with additional add-on products or services

Complaint:
I've been unable to login to my PayPal account for about a month. I even tried different browsers. It always gives me the message " we are having an error on our part ''. My password is saved by XXXX, I know it's correct. I called customer service. An automated robotic voice message replied saying " they'll send me a text with a link ''. The chat their chat never replied to the issue I texted them about. It was a simple request for help to be able to access my account. I've taken screen shots of the whole process. I don't understand why this is happening since I pay my account on time every month. Could your Beauro please assist me with this stressful matter? I would greatly and sincerely appreciate any assistance you can provide. Thank you so much for the excellent work you all do.

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 2022-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for home equity line of credit with BOA in XXXX. The underwriter requested XXXX  years of XXXX which we did not have as we were overseas ; however, we have documents in XXXX from our previous employer. The processor called us and said everything looks great but you have to reapply in order for the loan to work! We will move all of the documents you provided and upload them to the new loan. We agreed to reapply since everything looked good and they made it work. After reapplying the processor said that it was declined because I had to wait XXXX days before reapplying because it looks like a duplicate loan but after XXXX days you can reapply and we should be good. I waited XXXX  months and XXXX credit enquiries and false hopes. I now have to apply with a different bank but I have not been told by BOA why the loan does not work. I would like to dispute my credit enquiry

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 2022-11-19
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:
After reviewing other laws in the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the PHYSICAL verification of the ORIGINAL signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I would like to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) they have on file of the accounts listed below. They have failed to positively verify these accounts with PROOF and it has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I would like the following accounts to be removed immediately. Also In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. After their most recent reinvestigation they still show inaccurate information on my credit report.

I have attached proof of my credit report documents after their reinvestigation.

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 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: An existing modification, forbearance plan, short sale, or other loss mitigation relief

Complaint:
On XX/XX/2023 I returned a call from Bank of America and spoke to someone named XXXX. 

She stated A letter was sent to you in the mail yesterday with no other explanation. 

XXXX was short, dismissive and reluctant to provide any other details. I then asked what does the letter say? 


She was very difficult to communicate with. 

XXXX stated on XX/XX/XXXX I was approved for an extension of the forbearance. I then asked what are the available terms for payment under this forbearance? 

XXXX stated no terms of payment are known at this time. I then explained upon the first forbearance the available terms of payment options were made known. 

XXXX just kept repeating the same boiler plate template statement, i.e., no payment options are known until after the forbearance is over. 

I then stated again, the payment options were available at the time the first forbearance was requested. 

She just kept repeating the same thing at which time I asked she reach out to a supervisor to confirm. She did not. 

The investor my loan is with has in writing what the payment options are and they should be disclosed by Bank of America upon extension. 
It sounds like Bank of America has no idea what my investor has set up as to terms. 

My investor is XXXX XXXX ( see attachment explaining payment options ).

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 2023-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-12-09
Company: Experian Information Solutions Inc.
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency did not make sure it was reporting 100 % accurate. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2022-11-18
Company: U.S. BANCORP
State: MA
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 was solicited multiple times to request a credit line increase. I submitted to credit line increase on XX/XX/2022. I was provided absolutely no disclosures at any time stating a hard inquiry would be initiated for this process. Ive requested multiple credit line increases with other cards with no hard inquiry. It is not a standard practice whatsoever. I absolutely did not agree to let Elan run a hard inquiry under any circumstances in writing or electronically. This inquiry was done without my express permission. I carry over XXXX in revolving credit with a {$0.00} balance across 7 cards with 3 perfect ( XXXX ) XXXX  Bankscore 8 credit scores. I would never have agreed to a hard inquiry and I did not do so in this instance. This is a fraudulent inquiry without my express permission. I also put a 1 year fraud alert on all three credit bureaus. No one required verification to allow this inquiry as required.

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 2023-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, NJ XXXX Date Updated : XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX  DC XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX, XXXX XXXX XXXX XXXX XXXX, MD XXXX, XXXX XXXX Balance Owed : {$0.00}, XXXX XX/XX/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 non-monetary relief