BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-07-31
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is a second complaint that arose after receiving a response to my original complaint XXXX XXXX from Wells Fargo bank responded to my original complaint. On XX/XX/2020 I received a letter, dated XX/XX/2020, from XXXX XXXX, Senior Vice President of Wells Fargo Mortgage Company. In this letter Wells Fargo noted that I deferred 3 mortgage payments when I entered into the forebearance program in XX/XX/2020. In fact when I entered into that program via a phone call with Wells Fargo I was told that I had already made my XX/XX/2020 mortgage payment and that I would only be able to defer two months mortgage payments, XXXX and XX/XX/2020. 

On XX/XX/2020, I telephonically contacted Wells Fargo and spoke with a female employee ( unknown ) to restart my bi-weekly payments so that my mortgage payment for XX/XX/2020 would be satisfied. During that and a subsequent conversation a day or two later this employee told me that the bi-weekly payments would start on XX/XX/2020 and that the bank would make the withdrawals from my checking account every two weeks moving forward, with the next withdrawal from my checking account being made on XX/XX/2020. During this conversation I questioned this employee as to whether the withdrawal on XX/XX/XXXX would insure that my mortgage payment due on XX/XX/2020 would be satisfied. This employee assured me that the second bi-weekly payment on XX/XX/2020 was within the allowed grace period and that once the bank received this payment they would credit my mortgage account for XXXX. 

On XX/XX/2020, I telephonically contacted XXXX XXXX who subsequently contradicted what the other Wells Fargo employee told me. XXXX XXXX told me that the monies that I paid on XX/XX/XXXX and XX/XX/2020 were not applied to my XXXX mortgage payment but were applied to my mortgage payment due XX/XX/2020. Ms. XXXX indicated that the investor ( XXXX XXXX ) would not allow the second payment/withdrawal from my checking account be applied to my XXXX payment since it had not been made by XX/XX/2020. 

According to Ms. XXXX, I am ahead in my payments on my mortgage since the next withdrawal from my checking account will be made on XX/XX/2020 which will be applied to my XXXX payment. 

During this conversation I told MsXXXX XXXX that I wanted Wells Fargo to correct their mistake and apply the XX/XX/XXXX and XX/XX/XXXX payments to my mortgage payment due on XX/XX/2020 as they had indicated during my phone conversation with a bank employee on or around XX/XX/2020.

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 2023-02-06
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:
Thats by law USC 1681 and USC 1681S2 I have the right to privacy and did not authorize these being put on my credit report and would like them removed Reported : XXXX XXXX, XXXX + {$320.00} Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12
Company: Debt Recovery Solutions, LLC
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:
I am aware of the oldest transaction that I took out money with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which was about 2 years ago. It has been a while since I took out a loan due to being in school and pretty much they provide me with loans on behalf of the school. This new collection which is under the name of XXXX XXXX XXXX = Debt recovery solution is unrecognized due to never receiving letters which I should not due to not ever taking out another loan of {$310.00} by this company only XXXX XXXX XXXX XXXX. I tried disputing it with XXXX XXXX but they did not help. This new collection was recently placed back in XXXX and the new date that has changed to XX/XX/XXXX. I am always checking my credit due to having to keep track of the loans that I receive from the school which is how I noticed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Attached is the names and addresses that are incorrect. The dates are also included, everything that is highlighted is incorrect.

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 2022-11-16
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent the credit bureaus letters asking them to verify the debt on my credit report. They sent everything back stating that everything is verified correctly. My credit report are still showing inaccuracies XXXX XXXX. XXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate. 

I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this XXXX  question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report Did you interview my neighbors? Did you interview my friends? How did you talk to? 
I received my investigation back and you stated you completed a fair investigation and these accounts are 100 % accurate. 
But can you please answer this one  question. How did you investigate these accounts? 
Because according to the fair credit reporting act XXXX XXXX XXXX XXXX this is how you are supposed to investigate my consumer report One more thing can you please tell me how everything is accurate since these accounts date open, date last active not reporting the same Information. 
One more thing can you please tell me how everything is 100 % accurate if the date open, date last active on these accounts are not reporting the same Information.

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 2024-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

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 2023-02-03
Company: EQUIFAX, INC.
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: Was not notified of investigation status or results

Complaint:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-11
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I filed for bankruptcy in XX/XX/2019 and have remained in bankruptcy. My payments went up about {$400.00} but kept going up within the next year and after 1 year went up almost {$1000.00} which I couldn't afford anymore. 

I called my mortgage company at the end of XXXX to see if I could apply for a loan modification and was told I did qualify. I was informed I would receive my paperwork 7 business days and would have 14 days to return them signed and notarized. Over the next 9 weeks I have called US bank at least 9 times to try and get the paperwork mailed to me or my bk attorney 's office with no success. I made the payment they verbally advised me to make and now at 10 week, I have not received my paperwork. 

Please help.

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 2021-07-16
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Hello I have called all three credit bureaus twice to request they remove the fraud alert from my credit report. I was told by each bureau that it would be lifted within 24-48 hours and we are on past 45 days. Im asking for you all to help me with getting these fraud alerts lifted off my credit file. I purchased a home about 4 months ago and this is really holding me up from making the needed modifications to my new home.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-03
Company: Lewis & Clark Capital LLC
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
FTL denied me credit after running my ssn. They are in violation of the Equal Opportunity Act, 15 USC 1691c. 15 USC 1642, and 12 CFR 1002.7 ( a ).

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 2023-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
So its still a year and Half and Bank of America is just now telling me that my account money is in a hold harmless account. Its always something new with this bank. Now it just feels like theft by bank 100 %. They have the audacity to tell me that transfers from somebody elses account who paid me money which is a 3rd party transfer is not the same as XXXX which is also a third party transfer. And looking into the Hold Harmless agreement of Bank of America led me to the servicing agreement on their website which states that transfers between one individual in their banking system and another individual in their banking system is very possible yet in my case they keep telling me its 3rd party. The funds do not have a court ordered lien on them and they havent been called back by their institution which my friends have stated to me on many occasions that the bank and system used to send me the funds was Bank of America. The bank know this, I know this and my friends know this. I even found on their website where they state funds can be transferred from one individual to the next via transfers within the system. Bank of America yet still keeps trying to tell me that Bank of America did not initiate these transfers when in fact it was done in their system. I even found proof on their website which I will be including in this report. They keep telling me they also sent me a check in the amount of {$1100.00} which I never received and they just keep telling me a different story every time related to this check and I have to wait 4 months at a time for a response. Now I feel some sort of prejudice is being done on Bank of Americas behalf in my case. Because Im a man of XXXX they feel that I didnt earn my money the proper way and its really feeling like a XXXX discrimination situation in this case.

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 2021-08-11
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:
This is my second dispute it was brought to my attention that there are several errors and fraudulent accounts that I have no contracts with these companies. I do not recall doing business or applying for an account with the following : XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: RoundPoint Mortgage Servicing LLC
State: NY
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 have not yet approached the company about this as I hadn't the time as of yet but we will get around to it before the week ends. As is our long time personal experience with this this company, they are difficult to deal with at best so we thought it was best to deal with this simultaneously. 
The mortgage loan was placed on a forbearance for the Pandemic, as many people were doing with mortgages. I was forced to take a cut in salary for a few months as many were if they didn't outright lose their jobs and my wife is on XXXX. We were technically on one income. 
We went into it in XXXX of 2020. We were on it for over a year and a half as we were granted a few extensions etc. When it was time to go back to paying we had a very hard time as this company refused to give us a straight answer on what our payment was going to be. We finally got back on track after a lot of negotiating and back and forth and agreed to terms, accepting the modification. At no time during all of this were we informed by this company that we were going to considered late and marked late on my credit report. Never did we expect this. We were on a forbearance. Period. Hardship that was approved. We just pulled my credit report as I was denied a modest personal loan and discovered that this company actually had me marked late. They marred my credit.

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 2023-02-06
Company: SLM CORPORATION
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Initially I called into Sallie Mae to get options on lowering the payment because it was not affordable due to my son not working for a long while and just landing a part time. Currently I am on medical. It was maybe toward the end of XX/XX/2023 I asked about lowering the interest rate and anything else that could be done. The rep told me about the interest only for 6 months but would need a payment that same day which I was not able to make. I advised to think on and would call back, she claims would document the conversation. 

On XXXX XXXX XXXX I reached out to Sallie Mae since I am the co-borrower and making monthly payments out of my account on behalf of borrower. The representative was difficult to hear because of the poor connection. She proceeded to re-read and continue with her script after I advised her numerous times I couldn't hear. I also asked about a loan modification and she evaded the question and proceeded with reading the script and continuing with the call. It was the most XXXX process in trying to secure a lower monthly payment. It was not fairly positioned nor was I given the opportunity to learn about a modification before being placed into this short term band-aid. Finally I spoke with a supervisor and all she could do is apologize and transfer me directly to the loan modification team. The representative went through the process of asking me questions, putting me on hold. I don't understand why my credit has to be pulled when asking for a loan modification on behalf of my son who is barely making enough to cover any of his own expenses. He is the borrower and his credit and income should be the main consideration for a modification. It is humiliating enough to have to make these phone calls and then get placed into the wrong products. We want to pay what is owed but not for 6 months then back at the drawing board where Sallie Mae is trying to further gouge the private loan customers because the federal loan products are being forgiven. 

Thank you for your time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
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: Investigation took more than 30 days

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Equifax and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Equifax and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX XXXX Date Opened : XX/XX/2020 Balance : {$220.00}.

Company response to consumer: Closed with explanation