BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-20
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In XX/XX/XXXX I took out a mortgage loan with Wells Fargo Bank, N.A. for the amount of {$390000.00}. I was promised a low interest rate and a low monthly payment, as advertised. The lender did not fulfill its promise ; the mortgage monthly payment and interest rate were higher than promised ; and it only kept increasing. I Defaulted on my mortgage because I could not keep up with the increasing mortgage payments and inflating interest rates. On XX/XX/XXXX, there was an assignment of mortgage filed with XXXX County Clerk 's office. The assignment of mortgage assigned the mortgaged from Wells Fargo Bank, N.A. to XXXXXXXX XXXX  XXXX. On XX/XX/XXXX, XXXXXXXX XXXX   started a foreclosure action against me for the amount of {$380000.00} which is about XXXX from the original mortgage 2 years earlier but I already had paid over {$60000.00}. How is that possible? I also never receive any Bank Statements from XXXXXXXX XXXX. 
I tried to resolve the problem with the lender to give me a chance to catch up with the payments when I defaulted, but they declined. I also submitted a loan modification application on XX/XX/XXXX which I received a denial letter from Wells Fargo dated XX/XX/XXXX, how is that possible? They don't even review my Loan modification application for assistance and they denied it. I haven't even receive a Notice of Sale saying that my property is for Sale now. It seems like they do not care whether I paid back or not, they just want me out of my house which I am trying to repay. I am a victim of the housing crisis and I feel that there is fraudulent element to what is happening to my mortgage loan.

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 2023-03-02
Company: Experian Information Solutions Inc.
State: NC
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:
Please remove all fraudulent account and incorrect addresses as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.

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 2021-11-30
Company: TD BANK US HOLDING COMPANY
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: Was not notified of investigation status or results

Complaint:
I am very upset with this issue. I sent a letter to the Creditors regarding inaccurate accounts on my report. It is now XXXX days and I have not received a repsonse. I did my research and I am for sure that they have XXXX days to reply back and they have not. I know that failure to respond is grounds for immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: Experian Information Solutions Inc.
State: CA
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:
XXXX XXXX are reporting several inquiries to Experian, XXXX, XXXX and XXXX that are from unknown sources - 15 U.S. Code 1681g. In addition, these inquiries are more than two years old and should not appear on any of the bureaus. Lastly, my legal and birth name is XXXX XXXX. No other names should be reported on my credit report. Any names reporting on my credit report are different from my legal, birth name, XXXX XXXX is committing illegal activity - identity theft - fraud.

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 2023-11-03
Company: Experian Information Solutions Inc.
State: IL
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 sent a letter to three bureaus to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., 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 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 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 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 2023-06-30
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 recently submitted a request for an investigation of the disputed items, Since I believed 3 Credit Bureaus didnt properly investigate my dispute. 3 Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from my file. 
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 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 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 non-monetary relief
Consumer complaint received 2023-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/23 Attempted to make a phone payment while in the hospital. 
The first digit of the account number was not recorded properly and the payment did not go through. After a number of phone calls with Mastercard. I thought the issue was resolved. 
However, again in XXXX the same error occurred and my account was closed. 
After another series of phone calls Mastercard admitted there was an error and reinstated my account issuing new card with the same account number and an apology. 
On XX/XX/XXXX made my usual phone payment and followed up with my bank in order to ensure that the payment actually went through. After 2 days, when the payment had still not been debited I called Mastercard on XXXX and notified the representative that the payment might have been misapplied again. The representative assured me that she saw that the payment was made. I insisted that I felt there was a problem and, just to be certain that I didn't miss a payment, I had her take a new payment for a slightly different amount so as to be able to track it. That payment was properly debited within 2 days. 
On XX/XX/XXXX I received notice that the first payment had not gone through and my account had been closed again. I called and spent almost 2 hours on the phone with 2 different representatives ( XXXX in California and XXXX in Florida ) and was informed that there was no way that my account could be reopened. They admitted that it was likely that the automatic phone payment system still had the wrong account number but now I would have to reapply for a new account and I no longer qualified. This in spite of the fact that my account had been quickly reopened with an apology less than a month earlier. In addition I fear that my credit rating has now been negatively 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 2018-07-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I mailed payments by 2-day priority and it arrived in time. I was reported late because someone didn't apply my payment for several days after they received it and I was reported late. I am being reported late in XX/XX/XXXX because the post office made an error by putting the wrong letter in my 2-day priority payment. I tried to explain what happen, but I am being reported late again. This is not my fault, but they won't listen.

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 2023-11-06
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I've never been late or missing any payment, but just one that I was advised by the Escalation department " To be FIXED the Problem '' the situation started first monthly payment ( XX/XX/2023 ) t after realized was taken more than 15.44 % established on the contract ( Way more ) to the interest, even, when i was paying {$200.00} 0ver the monthly payment set by Regional Acceptance Corp. these days Truist Bank related. I do have emails, Documents and last statement two weeks ago, bank statements and they have every single call recorded.

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 2021-11-08
Company: CBC Companies, Inc.
State: CA
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:
Factual Data are reporting several inquiries to XXXX, XXXX, XXXX and XXXX that are from unknown sources - 15 U.S. Code 1681g. In addition, these inquiries are more than two years old and should not appear on any of the bureaus. Lastly, my legal and birth name is XXXX XXXX. No other names should be reported on my credit report. Any names reporting on my credit report are different from my legal, birth name, XXXX XXXX is committing illegal activity - identity theft - fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: NATIONS RELIABLE LENDING LLC
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was preapproved for a conventional mortgage with NRL mortgage. XXXX XXXX was the loan originator. This was in XX/XX/2023 that I got the preapproval. I went under contract XX/XX/2023 to buy a townhouse. Everything was submitted to underwriting. I submitted my earnest money. XXXX  XXXX with an RL mortgage came back and said there was a flag with KHC, the down payment assistance program who I had previously been preapproved with. XXXX  XXXX stated that the interest rate for KHC had gone up and I was no longer eligible for it with my debt to income ratio. This was the second mistake that XXXX  had made as my lender in the homebuying process. I was unhappy so I decided to apply with a different lender who informed me that even if we were looking at the interest rates even further back in time with XXXX  I still wouldnt have qualified, this different lender informed me that I never wouldve qualified for XXXX  to begin with. I believe the XXXX  XXXX with an RL mortgage was deceptive in the fact that she led me to believe I was preapproved with KHC assistance, when in fact, I was not. I would like this investigated, because I believe this to be a violation of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-06
Company: LEXISNEXIS
State: KS
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I contested the validity of the accidents and information that XXXX XXXX  reported. Had they researched the information the information they list would show it was not me. I have not had a louisiana drivers license for almost 10 years. It was suposed to be fixed and i went to buy insurance which is now double the price due to the false information on the lexus nexis report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
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:
The big 3 ( equifax, XXXX, and XXXX XXXX has not performed independent investigations. I sent letters and notified ( Equifax, XXXX and XXXX ) that there are inaccurate accounts reported. I also provided the exact reasons directly from my credit report that clearly and concisely details why theyre inaccurate. I asked them to Please independently re-investigate these items. I also requested how these ( items ) were verified as accurate, when my credit report supports my claim and disproves the credit bureaus. Still to this day No proof that they performed an independent investigation please have them delete

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-02
Company: Experian Information Solutions Inc.
State: OH
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information on my credit report. The addresses listed below are not my correct addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Additionally, I have noticed several inquiries on my report that I do not recognize : XXXX XX/XX/XXXX inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX inquiry XXXX XXXXXX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry I believe that my rights under the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA have been violated due to this inaccurate and incomplete information on my credit report. Please investigate these discrepancies and take appropriate action to correct them as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, 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 2023-04-20
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
My card was stolen or lost. I dont recognize many charges. The charges that I dont recognize triggered over {$140.00} in overdraft fees. Ive been with this bank for many many years, cant believe Im being treated this way. Additionally citizens Bank is supposed to not allow any purchases if the account goes below XXXX. However, they continued to allow the card to be used even though the account was in the XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require Transunion to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and corrected : 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 2023-05-02
Company: TRUIST FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
I went to XXXX XXXX XXXX with a cash to buy my car. I didnt finance with them only to see an inquiry on my account when I get home. 

On XX/XX/2023 I saw this 5 credit inquiries on my account. Am not aware of this credit inquiry because I didnt approve it. I didnt give them any consent to pull my credit. 
Have try to contact all of them, I even contact XXXX. All they told me is not to worry that the inquiry we disappear in one year. They didnt give me a reason why they pull my credit. 



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 2021-11-08
Company: Experian Information Solutions Inc.
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: Their investigation did not fix an error on your report

Complaint:
I disputed the XXXX XXXX derogatory credit listing on my Experian Report Number XXXX after case # XXXX in the XXXX County Court At Law No. 02 resulted in XXXX XXXX issuing a notice of full release, satisfaction and to vacate the judgment. This should have removed all late payments, overdue balances, and all derogatory information should have been removed. I disputed this item with Experian directly and provided them with a copy of the signed full release of liability. 

Experian however, failed to provide any investigation results, ignored the provided court order, and deemed this invalid derogatory account to be valid. Experian then updated or re-aged the debt making it newer than the initial date reported. 

Upon attempting to re-dispute the error, Experian refused to accept the dispute a second time and is in violation of FCRA laws.

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 2023-07-19
Company: EQUIFAX, 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'M A VICTIM OF IDENTITY THEFT. THIS IS NOT A DISPUTE! THIS IS MY " 2ND '' REQUEST FOR REMOVAL OF THE FRAUDULENT ACCOUNTS SEE ATTACHMENT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-20
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
They're reporting me as late even though I'm not so please look at the attached documents for further information regarding this.

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 2023-05-03
Company: Uplift, Inc
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I scheduled a vacation for XXXX last year on XX/XX/2022. I financed through Uplift for {$1600.00} with XXXX XXXX. XXXX XXXX cancelled the returning flight. Because of their error they offered a refund or a credit by phone. I asked for a full refund. They said my refund would process in XXXX business days. They continue to charge my account, and now Uplift is threatening to report to my credit for non-payment. I have called XXXX XXXX, and I can not reach a live person. I contacted Uplift and they can not help. I just want my refund. I never want to use XXXX XXXX, again.

Company response to consumer: Closed with explanation