BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-05
Company: WELLS FARGO & COMPANY
State: AL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Ok, this goes back to XXXX before and after. We bought our house in XXXX and then Wells Fargo had bought the mortgage quite a few years afterwards. My name was on the deed but we refinanced around XXXX and I was not included on the mortgage because I was at home raising children and not income producing. I became sick in XXXX and my husband and I separated in XXXX. Around XXXX I tried to qualify for the Home Loan Modification Program through the current mortgage company, Wells Fargo. They would say I qualified, then 3 months later said I didn't. This went on for TWO years. They would go back and forth until I was financially drained. I finally got my local XXXX XXXX XXXX involved and eventually we filed an official complaint with the U.S. Department of Treasury. I was given the number by Wells Fargo to the President 's personal assistant, XXXX and told to only deal with him. I still have his number if needed. They finally decided to deny me because they would not recognize the fact the house had been given to me in the divorce but I wasn't on the mortgage. But remember, I was still on the deed. Eventually I could no longer afford it and had to stop making payments on it. Then I got the Foreclosure letter. My ex-husband had to file some sort of abandonment document through the court system because they kept coming after him. Ridiculous. I would still have that house if Wells Fargo would have made right on their promise to do the Home Loan Modification. I lost everything because of Wells Fargo and they haven't bothered to reach out to me with this Class Action Lawsuit. I'm sure they remember me after the Dept. of Treasury incident. I have saved all the files with dates, loan numbers, documentation of phone calls made to them, etc. They are up in the attic and I will get someone to help me retrieve them if you can help me. Let me know if I can provide you with anything else concerning this. My name is XXXX XXXX XXXX XXXX and my ex-husband 's name is XXXX XXXX XXXX. The physical address was XXXX XXXX XXXX, XXXX, Alabama XXXX, XXXX XXXX. This situation caused me extreme financial and mental harm to me AND my children. Also as of XXXX, I was deemed XXXX so this entire situation was devastating. My email is XXXX and my phone number is ( XXXX ) XXXX. Thank you

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 2019-08-26
Company: Experian Information Solutions 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 disputed two fraudulent accounts reporting on my credit report : XXXX XXXX ( {$8000.00} balance ) and XXXX XXXX ( XXXX balance ). After my XX/XX/2019 dispute, the XXXX XXXX account was blocked from my credit report. Soon afterward, XXXX XXXX changed the account number and reinserted the fraudulent account back onto my credit report. This reinserted account had all the same account details as the previously deleted fraudulent account, just a different account number. In XXXX, 2019 I disputed the reinserted account and once again Experian deleted the fraudulent account. However once again, not too soon afterwards XXXX XXXX changed the account number and reinserted the same account back to my credit report for the third time. Each of these times I was never notified by Experian that they would be reinserting a previously deleted account to my report pursuant to section 623 of FCRA. 

Moreover, I disputed a fraudulent XXXX XXXX card. XX/XX/XXXX, 2019the results came back that the card was " verified '' but all the inquiries were deleted. How is it that the XXXX XXXX card is " verified '' but the inquiries are fraudulent and deleted? That makes absolutely no sense at all and seems to be Experian being willfully noncompliant and negligent. 

I reached out to Experian 's corporate office via email and received a phone call from XXXX XXXX on XX/XX/2019 at ( XXXX ) XXXX. He left me a voicemail stating I need to submit a FTC affidavit and this information will be blocked. Attached is everything pursuant to 605B for a permanent block, please do so. If this matter is not settled I will be reaching out to the attorney generals in both our states and a civil attorney to begin legal action.

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 2024-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
15 USC 1681 Permissible Purpose Their should only be one Address on my report which is XXXX XXXX XXXX, XXXX Tx XXXX. 

This is an Non-Mailable address that needs to be removed : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Tx XXXX. 

The only employment should be : XXXX XXXX XXXX XXXX, so delete 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 2022-11-09
Company: EQUIFAX, 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 HAVE DISPUTED THE FOLLOWING ACCOUNTS WITH ALL 3 CREDIT REPORTING AGENCY FAIR COLLECTIONS & OUT, XXXX XXXX, XXXX, XXXX XXXX XXXX EQUIFAX HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. XXXX STATED THEY HAVE VERIFIED ALL THREE ACCOUNTS. ALONG WITH XXXX WHO HAS STATED THEY VERIFIED ALL THREE ACCOUNTS. ALL THREE CREDIT REPORTING AGENCIES ARE VIOLATING MY RIGHTS TO A COMPLETE AND ACCURATE CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting 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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Bureaus are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of inquiries which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2022-07-10
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was contacted by a Social Security agent that was going to help me recover my stolen social # ( XXXX XXXX ). The man, XXXX XXXX sent me his badge & had my local police contact me that there was an investigation. I received this information on my phone while I was driving to a wedding. To freeze my accounts during this trial, I had to transfer some money to a federal account. 
I went to a TD bank in XXXX RI to do a domestic wire transfer of XXXX. 
The money was sent to an account in California. XXXX XXXX XXXXXXXX The money transfer seemed to go out around XXXX on XX/XX/XXXX. 
The next morning I called the XXXX Police to confirm our conversation from XX/XX/XXXX. They said, I did not talk to them. Then, I knew I had been scammed. I called the XXXX TD bank and XXXX filled out a claim form to let XXXX XXXX XXXXXXXX know the funds received was a fraud transfer. I talked to the Fraud department at TD bank & XXXX XXXX XXXXXXXX. On XX/XX/XXXX. I called the Wire transfer departments for both banks for the next 2 weeks. TD bank would not give me the claim #, would not tell me what happened to my money. All I was told was it was being investigated. They would not give me or allow me to talk to the investigator. Later I contacted the manager of my local TD bank & all he could tell me was TD recalled the money & told XXXX XXXX XXXXXXXX to send it back. 
XXXX XXXX XXXXXXXX for 2 weeks would not disclose any information to me because I didnt have an account there. The account in question XXXX XXXX XXXX was not my account. Yet, I have XXXX credit cards with XXXX XXXX  XXXX and had a car loan with them that I paid back. 
So I went to my local XXXX XXXX XXXXXXXX branch and talked to the VP. XX/XX/XXXX He arranged a call to the wire transfer depart of B A. We called & they would only disclose that they reached out to the account & no one called. The VP of the bank said to assume the money went into XXXX XXXX account. 

I have filed police reports, with XXXX & XXXX police. 
After one month, TD bank is through with their investigation. No information has been passed to me. XXXX XXXX the Asst. Manager of the XXXX bank did give me the claim #. I should be able to know exactly where my money went & be told this info. I know there are date time and stamps put on wire transfers. 

XXXX XXXX  XXXX should have given specific info to the VP of the bank. 
Also, next steps should have been given to me by both fraud departments.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
I mailed out letters on XX/XX/XXXX to XXXX, Transunion, and XXXX However its been over 30 days and the credit bureau failed to send investigation back. I received a stall letter on XX/XX/XXXX from Transunion and XXXX no further information regarding credit investigation. Failure to response letter mailed out to all bureaus XX/XX/XXXX. This investigation has been going on for months well beyond the 30 days. This is not right and violates my rights. 

According to the law 15 U.S Code 1681i-Procedure in case of disputed accuracy. If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I opened a Bank of America XXXX XXXX card in flight. When I got my card I tried to set up payments but it takes 2-3 weeks for a password to be set up in order to create the account to make payments. 
I also got a bill in the mail for the {$75.00} annual fee. 
I got my password in the physical mail this week. However in order to get payment processed I had to get deposits to my account and report them to bank of America. By the time I could make a payment ( today ) the annual fee is past due making my card unusable and generating an additional fee. 

When I called the company and explained that I posted payment ( not processed ) and I could not have made payment any sooner due to their own system of payment, they told me nothing could be done and I needed to pay the fee and wait for payment to clear. 

Not only do I have to pay for BoA terrible system of payment, I am unable to use my card and my credit is impacted by a late payment I have no control over.

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 2022-11-09
Company: EQUIFAX, 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: SUN WEST MORTGAGE COMPANY, INC.
State: PR
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
By the end of XXXX, I began the process to obtain the money and pay off the reverse loan. In XX/XX/XXXX, the XXXX XXXX XXXX and XXXX XXXX declined the loan due to problems with the property. In other words, I was approved for the loan but the property does not qualify for any product. The Bank tells me that no financial institution is going to grant me the money due to the situation of the property. I contact HUD indicating the situation, I send them the bank document and I even make an offer to pay off the loan to which they tell me that they do not accept any offer other than paying 95 % appraisal of the property. I contact other banks to present the situation and try to get the money, but all the banks, including XXXX XXXX XXXX XXXX XXXX, who originated the reverse loan, told me the same thing, that the property does not qualify for any loan. At the moment, I am in a Mediation program with XXXX XXXX in the Court but they do not want to accept an offer, they just want full payment that I can not get due to the situation described or that they hand over the property, which is not an alternative for me since I have tried everything and it is the only property I have. It is my only home and I have not refused to pay at any time and I followed all the steps that they have indicated to me. I just want you to help me with this situation because they granted a reverse loan with a property that has a " Hazzard '' because the property has had that situation since XXXX and if in XXXX it qualified for a reverse because now they can not grant me the loan to pay it off. Please I need your intervention in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: Experian Information Solutions Inc.
State: PA
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'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 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
Consumer complaint received 2023-06-05
Company: Comerica
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On the XXXX of XXXX I tried to call my bank and got no answer. The bank has locked my card and blocked my phone I can't get them to answer me. Just keep putting me on hold since Friday XXXX can I get thru to direct express bank to release the hold on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-05
Company: Block, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Me and a friend and I met a guy who asked if know anything about investing and stocks we said a little so he said let me show you to pass it down. I met the guy in person a few times, let him use myXX/XX/XXXXwhich has my devicesXX/XX/XXXX. Fast forward he was telling me and the friend that well get this much back in stock and investment pretty much prolong the situation on when getting money then the XXXX crashes. When the friend was sending money from his bank to my old cash app account that was close due to being hacked, the only way I knew was from an old email that was also hacked. And we just now reporting it. Im sure can do anything about that but I dont want the bank to try and blame me from fraud when one my cash app was hacked and the zip code and address is not my actual address and cash app keep saying they cant verify my identity even tho my name and I think Ssn was on the account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: GA
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'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$500.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraud items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the 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 XXXXXXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-03
Company: WELLS FARGO & COMPANY
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
Predatory lending violation to the XXXX elderly via telemarketing. Two telemarketers called my XXXX & XXXX yr old parents from another state and coerced them into taking a 30yr refi. Never offered mtg protection ins. or another program to better suit their needs, never had an attorney present to look out for their needs. There was no way my parents could live 30 yrs.to repay the loan & the fraudulent telemarketers knew this. Not repaying the loan due to one 's death & less income would subject the survivor to foreclosure or homelessness. Upon my parent 's death, the home was quit claimed to me & is where i reside. Helping my dad financially ( who died after my mom ) made me wonder why he had this loan burden to repay. I looked into it & began calling, faxing & mailing Wells Fargo w/questions they refuse to answer. I even paid for 3 & 1/2yrs. on a loan that is not mine. Upon learning many yrs. later of the loan 's fraudulent inception, I refused to make another payment. Wells violated Connecticut 's predatory lending law & is guilty of equitable estoppel, unclean hands & unconscionability. This was a bad loan from the beginning. Wells was pd {$71000.00} on an {$81000.00} loan. Under stress & pressure from Wells, I offered {$20000.00} as A " short pay-off ''. This would bring the amt. to {$91000.00}. Wells refused the offer. I will not pay for a criminal offense.

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