BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-17
Company: Specialized Loan Servicing Holdings LLC
State: PA
Product: Mortgage
Sub-product: Other type of 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:
Bought my house with cash XXXX, XXXX from divorce money. I am permanently XXXX. In XXXX, was scammed with cash and credit cards. XXXX XXXX into a XXXX loan with XXXX cash out. The loan seems illegal. Research says it is illegal to turn unsecured debt into secured. Null and void. In XXXX, XXXX XXXX bankruptcy discharged all my debt. XXXX shows sls loan as closed due to bankruptcy and no liens on property. There are no liens on my property at the local Courthouse either. They refused to modify my loan about a year ago. They did not respond to my app requesting mortgage assistance. They said short sale is available as an option. But i have asked for short sale, and they don't respond, instead say they need full payoff. They are playing hardball, especially since their homeowners insurance would not cover a water shut on after pipe freeze problem last year.

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 2023-04-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I was put in foreclosure. I hired XXXX XXXX XXXX to help me with this. Filed XXXX XXXX. Since that time, I make the required payments and the Notices from Wells Fargo continue to go up and 'NEVER ' shows payments made. Their notices sent to me continue to to show total payment amount going up, payments made are not shown on their mailing. 
In past, owned this home since XXXX, I never got credit for payments made. I found this to be troubling so I started mailing checks in. They never 'cash ' those checks I mailed in. What kind of business doesn't cash your payment checks?? 
I need assistance with this troubling mortgage company. I would go with another bank, but Wells Fargo has trashed my credit for years and I'm not going to get a fixed 4.75 % interest rate like I have now. I am XXXX XXXX XXXX, single, XXXX XXXX XXXX XXXX XXXX XXXX, 40 hour week, make my payments on the XXXX of every month when I get paid. Wells Fargo needs to acknowledge my payments. I have requested from them payments received since XXXX and I have yet to receive the paperwork I requested. SOMEBODY has that information. A friend spoke to an employee who was leaving work on my issue. The employee stated making payments on line will not give you a trail to follow on payments, they suggested writing checks. Of course I already figured that out and that's why I make payments by check. There needs to be oversight on their practices.

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 2019-03-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 was in an auto accident that required medical treatment : PA Law e Pennsylvania Motor Vehicle Financial Responsibility Law, 75PA C.S. l797 ( b ) ( 7 ). is to protect the US consumer that these companies refuse to adhere to Pa law so they are breaking the Law and refuse to update, correct or even have the correct amount of debt listen, seems they inflate the amounts and refuse to correct.

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 2021-11-04
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
THANK YOU : I HAVE A PRESTIGE VISA CREDIT CARD BY REGIONS BANK. CREDIT LIMIT IS {$5000.00} AVAILABLE CREDIT IS {$1300.00} THE BANK DECIDED TO CLOSE MY ACCOUNT. THE ACCOUNT IS TILL OPEN BUT I CAN NOT USE THE CARD. I HAVE NEVER BEEN LATE OR BEHIND ON THE ACCOUNT. I HAVE A LINE OF CREDIT WITH THE SAME BANK FOR {$250000.00} OPEN AND IN GOOD STANDING NEVER LATE. PUT THEY DECIDED TO CLOSE MY ACCOUNT BUT I STILL HAVE TO PAY INTEREST FOR A CARD THAT I CAN NOT USE. I BELIEVE THAT THEY RIPPING ME OF FOR OVER A YEAR. 
I HAVE NOT FOLLOWED ON THIS BECAUSE I HAD TO HAVE XXXX XXXX XXXX XXXX. JUST GETTING BACK ON MY FEET AND AGAIN I HAVE NOT BEEN LATE ON MY ACCOUNT. 
THANK YOU AGAIN FOR TAKING A LOOK AT 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 explanation
Consumer complaint received 2023-04-16
Company: EQUIFAX, INC.
State: IN
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:
XXXXXXXX XXXX XXXX XXXX. has reach out to me concerning a credit card collection .This is against my consumer rights. 
15 U.S.C. 1681 section 602 A. State 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. 1692 C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate in connection with the collection of any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: AUSSRQ Holdings, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called Oliphant USA LLC on XX/XX/2023 to inform them that this debt had already been paid and gave them the information showing that it was paid, and they said that it does not reflect on their account and their system, so that I still owed the debt which has been paid in full and would not correct my credit report. I even called the law firm that I paid accounting for to and they also tried to call them and spoke with XXXX and they still have it on my credit report, This will be the third time Im disputing something that has already been paid, and they refuse to take it off my credit report as paid in full even though I have the documentation as well as the agent from the other company that will speak that is paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Erroneous Direct Violation Of The FCRA Professional Debt For two years now Ive been disputing these items I'm getting so angry please please remove these XXXX from my credit report these are fraudulent i file a police report and FTC REPORT TRANSUNION WILL BE SUED and lawyer will be contacting TRANSUNION if these items are not removed in the next two weeks!!!!! 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove this inaccurate information from my 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 2019-09-09
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove any and All fraud alerts on my credit file.

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 2023-01-05
Company: U.S. BANCORP
State: CT
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:
Back in XXXX of 2018 I believe it was I transferred my title of my vehicle from XXXX XXXX XXXX. In doing so I had to pay the sales tax off on the loan for the remainder of the lease to even be able to register in XXXX  state. I went ahead and did so. For numerous months US Bank was overcharging me ( principal + interest ) on interest I was required to pay off before registering the vehicle. After numerous phone calls and countless numbers of attempts they said that they looked into the problem and correct my bill to just principal in which I owed. I was still getting charged in XXXX for interest I had paid in full in XXXX as numerous phone calls and no help on their end could not correct it. I went ahead after talking to numerous US Bank agents and paid my principal on the loan in XXXX of 2018, US Bank Reported that I paid only the interest and reported me for late payment. I was being overcharged essentially and paying it so a problem would not occur and this situation would not happen. I have proof on my personal bank statement that the principal was paid in full for ever month ( More importantly XXXX ). This is a computer error on US Banks incompetency on correcting the problem. My account is fully paid and fully closed with them and I am still struggling with getting them to correct their mistake. My credit report has been perfect to date and this is seriously upsetting that it has not been corrected. I am just looking for resolution in them doing what it right and knocking this incidence off of my credit report. 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 non-monetary relief
Consumer complaint received 2018-08-29
Company: EQUIFAX, INC.
State: OH
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 previously sent my Identity Theft Report to Equifax on XX/XX/2018 to block fraudulent accounts and inquiries reporting on my consumer file. Equifax has ignored my previous disputes and have I have requested the help of the CFPB to make sure Equifax complies with Federal Law. I have enclosed a copy of my FTC Identity Theft Report, drivers license, social security card, FCRA XXXX and, a copy of my XXXX credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: Bread Financial Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had called in 2018 to speak with someone about this debt. This credit card is a store card in which I never opened. I could never fit in the clothes that they sell. It's a plus size store and I am only a size XXXX. They told me that I had no choice but to pay it. 

I had made a payment of XXXX dollars just to get it off my report because they said they would do a pay to delete. They took my money and it is still reading as charge off and not updated to paid at least because it was never deleted.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-15
Company: I.C. System, Inc.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to 15 U.S. Code 1681 - Congressional findings & statement of purpose a ) Accuracy & fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, & a respect for the consumers right to privacy. 

I did not give written consent to add anything to my consumer report if & that is a violation of the Fair Credit Reporting Act. Furthermore anything added to my report without your written consent is considered Identity theft.

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 2022-11-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Problem with personal statement of dispute

Complaint:
A couple of years ago. My wife and I had to file for XXXX XXXX Bankruptcy due to a crazy amount of hospital bills, and related tests and exams, which we were making payments on, decided we were not paying in a timely manner and began sending all our past due bills to collections. 

We tried to work out the payments with the collection companies, but they wanted more than we could afford. Some bills were from tests that we had no idea had been completed. Some test were questionable but the credit companies would refer us back to the hospital and the various testing companies. They would refuse to discuss the matters because in their words, " The account had been sent to collections and it was out of their control. '' We attempted to pay all our debts but the collections companies pushed us to file for XXXX XXXX bankruptcy. 

My concern is with XXXXXXXX XXXX. We had a XXXXXXXX XXXX XXXXXXXX XXXX which was overseen by XXXXXXXX XXXX  We payed our debt off to XXXXXXXX XXXX XXXXXXXX. We did not file bankruptcy on XXXX XXXX or XXXX XXXX XXXXXXXX. We specifically stated to the Bankruptcy judge that we had payed the debt to XXXXXXXX XXXX XXXXXXXX and XXXX XXXX But our Credit card privileges were suspended. 

XXXXXXXX XXXX refuses to respond to any letters we send to them. They do not acknowledge that we sent a letter to dispute this claim. 

We do not understand their reasoning for this decision. We paid our debt to XXXXXXXX XXXX yet they refuse to respond to our questions.

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 2023-07-27
Company: EQUIFAX, 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:
In XXXXXXXX XXXX XXXX I realized that on my report their was inaccurate information being reported. The credit card is from XXXX XXXX XXXX  opened on XXXXXXXX XXXX XXXX. I have reached out to the company to get removed but no luck. Please remove this fraudulent account!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: NV
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 Convergent Account, XXXX XXXX XXXX  ACCOUNT # 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 a account without my written instructions Pursuant to 18 U.S.C, I owe no debt. These companies are violating my consumer right to privacy pursuant to 15 U.S.C 1681b 2. These companies have NO permission to report ANYTHING using my information pursuant to 15 US C 1681 4

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Bank of America ATM accepts checks for deposit into their financial institution and does not verify if check is fraudulent. 

On XX/XX/XXXX my mortgage loan was paid in full at XXXX. XXXX sent an escrow refund check no XXXX in the amount of {$930.00} dated XX/XX/XXXX to my sold address. The check was deposited into the perpetrator 's Bank of America savings account. ( XXXX ). 

I contacted XXXX asking for my refund check and they sent me a copy of the negotiated check. The check was cashed fraudulently and XXXX submitted a claim on or around XX/XX/XXXX to recover funds from Bank of America. As of this date, no progress has been made to recover these funds. XXXX issued a provisional credit on XX/XX/XXXX of {$930.00} to my XXXX account. That credit is temporary until Bank of America returns the funds to XXXX. 

On XX/XX/XXXX a XXXX XXXX check no XXXX in the amount of {$300.00} was posted XXXXand on XX/XX/XXXX a XXXX XXXX check no XXXX in the amount of {$300.00} was posted on XX/XX/XXXX were also stolen from that address and most likely deposited into the same Bank of America Account XXXX 

I filed a police report no. XX/XX/XXXX with XXXX Police Department. I have filed with XXXX Executive Office Complaint No. XXXX XXXX. 
The XXXX XXXXXXXX XXXX office has subpoena information on this as well. 

I am asking that Bank of America seek the perpetrator and recover the funds.

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 2022-06-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You are in violation of my rights according to the 15 U.S.C. 1681 Code, not only do I have a right to privacy, I did not give you written consent to furnish anything on my report. Nor, is the information reporting 100 % accurate and must be deleted. 
There are unauthorized inquiries on my credit report and need to be deleted immediately 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 2021-09-09
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had my original mortgage with Wells Fargo. Since I was already a customer I decided to refinance with them on or about XX/XX/XXXX. On XX/XX/XXXX the mortgage refinance was still not completed. The problem was with a HELOC I had with XXXX XXXX. They needed XXXX  to subordinate the loan. They were not able to get that done in 9 months. Fortunately I have my XXXX  account Vice President at XXXX  and he took the time to contact the subordination group at XXXX  and told me flat out that is was an issue of negligence on the part of Wells Fargo for ignoring requests for information or sending information that was past the date that they could use it. On XX/XX/XXXX, I contacted another bank and they were able to complete the refinance in 28 days without a problem. The incredible delay caused me to have to pay an additional {$1500.00} a month in mortgage payments and a fee to get the new mortgage. I have the names and emails from every person that was involved in their negligence. I did get a letter from a Wells Fargo Case Specialists after I complained stating that they were not at fault.

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 2023-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
In XX/XX/XXXX, XX/XX/XXXX, and again in XXXX of XXXX, a group of scammers were repeatedly able to use my SSN to create a Bank of America Advantage SafeBalance Banking Account. 

These accounts were created with the purpose of defrauding the bank, while making me liable for their actions. 

Bank of America repeatedly ignored a freeze with XXXX, and my repeated calls to them to not allow any new accounts to be opened for my SSN. Each time this happened, they would simply close the account. When the scammers would make a new account, Bank of America would always approve it without any extra verification, in spite of all my efforts in talking to them, credit bureau alerts, and a XXXX freeze in place. 

This is pure negligence by Bank of America, and puts victims of identity theft like me in a constant state of peril with their unscrupulous operations and lack of identity verification and safeguards.

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 2023-04-12
Company: EQUIFAX, INC.
State: LA
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 XXXX XXXX and I am submitting this CFPB complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. 
XXXXXXXX XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5900.00} XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$120.00} - XXXX XXXX XXXX XXXXXXXX Date opened XXXX XXXX, XXXX Balance {$710.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA.

Company response to consumer: Closed with explanation