BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-21
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Loancare keeps reporting my balance as {$10000.00} more than its supposed to be. Ive tried fixing this over the past year countless times by disputing it with the credit bureaus. It gets fixed temporarily, but then gets reported wrong again. 

Now, there was an error of {$10000.00} on my XXXX from them : XXXX XXXX XXXX XXXXXXXX {$180000.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX Another mistake by $ XXXX. The beginning balance was correct, but someone in the company cant do math. I also tried to fix this and the actually added $ XXXX to the beginning balance when it should have been subtracted from the ending balance. uGH! 

I AM SO SICK IF THIS COMPANY

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello CFPB, I'm submitting a complaint on the credit reporting bureaus XXXX, XXXX, and Experian on my consumer reports. I requested a verification and removal of a XXXX XXXX XXXX from the consumer report, Verification of Creditor accounts XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX, due to Charge offs, Late payments, Evictions 15 USC 1681a 2. Under the Fair Credit Reporting Act, a consumer reporting agency must provide accurate information. I requested that the bankruptcy be verified, since its showing on my credit report/consumer report. They came back saying it was verified on XX/XX/23. How could they have verified a bankruptcy? Who did they contact in the court to verify the information? I am also aware of my rights under the Fair Debt Collection Practices Act, specifically 15 USC 1692c, which prohibits debt collectors from communicating with third parties regarding my debt. As such, any continued reporting of my bankruptcy is in violation of federal law. A charge off on my consumer report is a violation of my consumer rights. A late payment 15 usc 1681a is a transaction and should not have been added to my consumer report/ credit report.

I've requested by phone that my name and address information be updated and all information not current be removed. It's still showing on my reports. 

I've requested all inquiries be removed off credit report Will you please check into this and have this bankruptcy removed and all transactions removed from my consumer reports/ 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 2024-01-21
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Loan sold or transferred to another company

Complaint:
I request the production of the promissory note associated with the financial agreement between us. It is crucial for both parties involved to have access to the original promissory note, as it serves as a key document outlining the terms and conditions of our agreement. 

To ensure transparency and clarity in our financial dealings, I kindly request that you provide the original promissory note for my records. This request is made in accordance with my rights as a party to the agreement. 

Please provide the requested document. 

In order to ensure transparency and compliance with applicable laws, I kindly request that you provide the following documents : A copy of the original debt agreement or contract. 
Proof of the assignment or transfer of the debt to your entity. 
Any legal documentation demonstrating your right to collect on this debt.

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 2023-12-07
Company: TOYOTA MOTOR CREDIT CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Repossession
Sub-issue: Voluntary repossession

Complaint:
I have a charged off account on my credit for {$32.00}, XXXX from XXXXMAZDA FIN SVC. Account number : XXXX. I was told the vehicle was never recovered which is why it's showing as a reposession. I was never in possession of the vehicle and was unaware the vehicle monthly payment had never been received. The vehicle has always been with XXXX XXXX, the second joint owner. The vehicle can be recovered and I want to know how that all affect the balance owed. or how can I be removed from full financial responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have been with Bank of America for a very long time I had my savings and checking Ive never overdraft or caused any problems. I had a credit card that started off with a {$300.00} balance was increased to {$800.00} always paid on time never late and the each and every time I go to apply for an increase in my credit card they always denied me, and Im not understanding I get a mortgage I get a car loan I get other credit cards without any problems but Bank of America for some reason keeps denying me I make good money. My credit is fine. My bills are paid so Im not understanding why they keep denying me. I can't help but feel that they're not doing their due diligence when verify my information or they are discriminating against me somehow.

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 2024-01-24
Company: WELLS FARGO & COMPANY
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Electronic communications
Sub-issue: Frequent or repeated messages

Complaint:
They sent me a letter stating that the documents I provided do not constitute a valid negotiable debt instrument and the refuse to accept. UCC 3-306 states " If tender of payment of an obligation to pay an instrument is made to a person entitled to enforce the instrument and the tender is refused there is discharge, to the extent of the amount of the tender of obligation of an indorser or accomodation party having a right of recourse with respect to the obligation to which tender relates.

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: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Fraud occurred on my Business Bank Account at XXXXXXXX XXXX, An illegal wire was sent to Bank of America- Scammers Name where money was sent to XXXX XXXX XXXX XXXX XXXX FBI report was sent. This happened on XX/XX/2023 and recall wire was sent several times from XXXX XXXX. More than XXXX have gone by. The illegal wire was {$520000.00} after Hackers sent this and a recall was imitated by XXXX  ASAP within XXXX minute 's of happening. 

XXXX XXXX refused to pay money and is Stating BOA has to send money back. 90 days has passed and no respond from Bank of America to myself or to my Bank ( Branch Manager - XXXX XXXX XXXX XXXX. I have been forced to file Business and Personal XXXX XXXX Bankruptcy. I am trying to get an Attorney involved to take action from all of the Fraud. Bank of American has Neglected to fail to respond from a Hold Harness Letter from ( XXXXXXXX XXXX ) and from any recalls that have been sent since XX/XX/2023. 

Now I'm forced to take any action I can to get answers. I have called 100 of times and several transcript records are listed with both Banks of Dates called with no responds.

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 2024-01-14
Company: P&B Capital Group, LLC
State: AR
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Ive previously submitted a complaint with this company about it being on my credit report and the information being inaccurate. In their response they stated that they no longer owned the account # XXXX and the original creditor was not reporting the account to the credit bureaus anymore. Ive disputed on credit karma and P & B Capital Group responded to XXXX XXXX that the information they provided was correct and it was not removed from my report. You can see P & B Capital Group state in the complaint # XXXX that the account # XXXX I spoke of is no longer being reported. I disputed the account through XXXX XXXX on XX/XX/2024. So after I submitted the complaint with you all and they stated the above they still gave inaccurate information to XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: Avant Holding Company, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have contact the credit viewers and contact the creditors to take off these major accounts and they agreed to pay a settlement on the each account and they still reported on my credit report and that's illegal against the law

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On XX/XX/XXXXXXXX  I received an alert in my credit monitoring account where a utility accounts that is not mine, is reported in collection under my name and I noticed that i have two accounts that were opened under my name without my consent or authorization. I immediately took action on this issue because i have never had a bad credit history and also, noticed an incorrect name and incorrect address that does not correspond to me. I already reported my suspicions at the police department. Know in XX/XX/XXXX, i receive a new notice about other account reporting under my name that i have never used from BRCLYS BANK and they reporting lateness. This account and the other two from XXXX XXXX and BRCLYS BANK also reporting the same thing. Please helping me with this issue because i have many time trying to resolve this mare with the credit bureaus and nothing happens.

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 2023-12-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
I respectfully request that you eliminate this erroneous account from my credit report, as it's not associated with me, and I never gave consent for its creation.

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 2024-01-30
Company: WELLS FARGO & COMPANY
State: CT
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
A fraudulent credit account, XXXX XXXX XXXXXXXX, was opened in my name by Wells Fargo rep ( s ) in XXXXXXXX XXXX XXXX. Previously, I've never heard of or done business with this company. A XXXX search shows this company is located in XXXX, GA, I am nowhere near this location, living in Connecticut. Further, I have not received anything from this company, despite billed XXXX. Due to this account opening, I have been denied credit, my credit score impacted. When brought to attention of Wells Fargo, they replied in part by sending mediation request forms, which are filled out, sent in, marked as duplicate and refer to prior mediation regarding unauthorized deposit accounts ... .With regard to that mediation including tracking ID XXXX, I was offered a payment in amount of {$3.00}, XXXX plus estimated IRS taxes totalling {$5.00}, XXXX. Payment was never received, sent to an old address after I moved. It appears a third party intercepted check, cashed it in my name. Wells Fargo investigated matter, unable to recover funds, refused to reissue check despite their own error in sending to incorrect address. I requested proof of address verification, was provided with a document showing my signature agreeing to accept a payment in amount of {$500.00} from a XXXX XXXX, nothing to do with previously mentioned payment in amount of {$5100.00}. Wells Fargo continues to send mediation request forms, a total of nine or more have been filled out, an acknowledgement letter is received with tracking number, when I call number on letter, I am told all efforts exhausted, call disconnected. Needless to say these forms are a mere runaround, when exposed as such, Wells Fargo marks complaint as duplicate. There is mention of mediation payments including amounts of {$17.00}, {$50.00}, {$400.00}, none of which received, do not cover losses/damages by accounts mentioned above. In closing, Wells Fsrgo has been fined by CFPB for handling of accounts mentioned here, the amount of XXXX XXXX, has little to no credibility

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 2024-02-05
Company: TrueAccord Corp.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
For several years Ive had this phone number and some debt collector calls looking for a XXXX XXXX or XXXX. She must of had this phone number before they assigned it me 6 years ago. No matter how many times I tell them I'm not her and this is my work phone they tell me they will remove me from the call list but they continue to call leave messages and now they are sending text message trying to obtain money from me after Ive told them that I'm not this person and that they have the wrong phone number and person. They have been harassing me for over 6 years now and its become disturbing and stressful. I'm a XXXXXXXX XXXX XXXX  and this is my work phone and I can not afford the text messages they keep sending me. No mater what I do they are relentless in collecting their debt from the wrong person. I'm not XXXX XXXX she must have given them the wrong number and I'm suffering the consequences for her unpaid debt. TrueAccord is a debt collector I reached out to them again after they texted me on XX/XX/XXXX  to let them know that Ive never had an account with the said company and my name is not XXXX or XXXX. They are stating that this person took out a loan from XXXX XXXX XXXX XXXX for XXXX. I told them I this is not my account and they keep calling and texting me. Their pone number is 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 2024-01-28
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu

Complaint:
I started loss mitigation packet in XXXX, they let is set for 90 days then said they didnt receive it. After getting more papers they asked for. Then I did it again to do loss mitigation and then assume loan like stated in our divorce degree XXXX yrs ago. They are still asking for papers due XX/XX/XXXX even tho there is sale date for XX/XX/XXXX. I need help stop sale date. After that I want to sure them for ruining my life for XXXX years straight now and for messing up my escrow and I would like to make sure they didnt scam the inhaf fund I got last year with all thier fees and charges. I am a veteran and I work for the XXXX XXXX I should not have to deal with this nor should any other American!!

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 2023-12-14
Company: Experian Information Solutions Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I called experian to report unauthorized inquiries and agent mentioned I should add fraud alert on my credit report. But agent did not mention it will show up on my credit report and I will be also removed from pre approved mailing offers etc. Now because of experian fraud alert there is a fraud alert and statement on my experian and other credit bureaus as experian also sent request to other credit agencies. I have contacted experian 3 times by submitting request in writing 3 times and also uploaded form that I don't want fraud alert on my credit reports and I want it to be removed immediately. One of the successful request to experian was submitted on XX/XX/2023. It seems fraud alert is being added again and again without my authorization. It seems experian computer systems are automatically adding fraud alert despite me requesting to remove from all bureaus. Kindly check your records as I have asked you multiple time by uploading form online and also uploading my identity card and utility bill to remove this alert for once and all. But you have removed and than added again. 
Kindly remove it immediately. I am tired of writing and submitting my documents again and again to you guys. Supporting documents attached below and confirmation of fraud alert from you guys is attached below as well.

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: TRUIST FINANCIAL CORPORATION
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I placed {$40.00} on a cd on XXXX at SUNTRUST BANK 's branch office in XXXX, Fl. The lenght of the cd was 4 years with an annual interest rate of 2 % .On XXXX of XXXX, while i was waiting to get my money released, i found out the bank had changed from Suntrust to TRUIST BANK XXXX and unauthorizedly renewed my cd until XXXX, and changed the annual interest rate from 2 % to 0.01 % .Since i am not able to visit a branch office, I have called several times, getting no response from any of the customer service operators i have spoken to. I've sent e-mails, i have mailed documents to the addressesn provided for it, yet i have not received my money or any answer regarding this issue.

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 2023-12-13
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
by the law that requires that everything that I do not recognize be disputed and deleted if my credit report, therefore, I have already disputed these addresses that I do not recognize with the Experian agency and they have not yet resolved the problem of deleting addresses that I do not recognize and have not experienced either. in none of them, therefore these addresses are a subject of fraud. 
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 2024-01-24
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I did receive credit to my account for the amount of XXXX from a local store called XXXXXXXX XXXX XXXX For groceries that were undesirable and were sent back, I was credited the amount of XXXX by said Store as well as from Wells Fargo Bank. For the last few days, the Money disappeared from my account. Called them numerous times and was given the run around by the Fraud dept. claim Number XXXX. Will also be putting in a complaint against the store that was supposed to be credited back my Money in the said amount of XXXX There is no transaction on my account anywhere of that amount, it just magically disappeared I know how much money I had in my account, and Wells Fargo just wiped it off of my account. I have been with this Bank for fourteen years, and as soon as this is taken care of I am closing my account with them. Bank Fraud on their part.

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 2023-12-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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