BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
We have applied for loan modification 3 times. 
First, we applied in XXXX with a valid hardship. We submitted all documentation to verify all non-borrower contributors. However, Wells Fargo only utilized one income ( the borrowers ). When questioned, Wells initially said they DID utilize all non-borrower contributors ( which would have been 3 additional incomes, PLUS the borrowers income ). When pressed for documentation, they then said they did not use all the non-borrower contributions because they believed the borrower did not live in the household. He did live in the household. They never asked for any documentation NOR did they state that was the reason for denial until the following year. 

The second time we tried for loan modification in XXXX, we were denied for almost everything due to a chapter XXXX bankruptcy we had to file to save our home. We were approved for a short sale. We appealed this, because we received a promotion at work with higher pay AND because the bankruptcy was dismissed. In their calculations, they also used two different incomes. I asked why, and they did not respond. They stated we did not make enough money to support a repayment plan. I asked the NPR calculation used and which income they used. They did not respond. They denied our appeal and said we would need to resubmit an entire loan modification packet to be reviewed without the bankruptcy. 

Right after the denial of the appeal, they set a foreclosure sale date. 

We asked for a short sale approval since we were previously approved for one, they said no. 

I am reapplying for loan modification but each time I submit a piece of verification paperwork they ask for more things. This means they are going to keep denying it until they take my home. 

I can not get ahold of anyone that has answers, nor get a call back, unless I file a complaint with CFPB.

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 2021-10-04
Company: Fay Servicing, LLC
State: MA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Good afternoon, Filing this complaint regarding illegal acts my mortgage company is committing on my home in XXXX XXXX XXXX My mortgage was previously discharged in a bankruptcy in XXXX, since then foreclosure proceedings were started in XX/XX/XXXX. There have numerous issues, some of which your office has investigated. Now a new servicer has now denied my deed in lieu request which had been previously accepted because I would not commit fraud by signing documents that contained false statements. A first request was sent to the servicer, and in response that made some corrections but others were created and others not fixed. After receiving the second draft of the deed-in-lieu documents, I again asked for the statements that I knew were false to be corrected, they failed to respond to my email asking to discuss the issues, and sent me a letter stating they are no longer honoring my request because I did not act in good faith. Which is not true, in my email to them after the second document received i clearly stated i am not refusing to proceed with the deed-in-lieu, that I'm not refusing to sign documents but that I am refusing to swear to a notary that documents I'm signing are true when I have already pointed out they are not true. 

So the servicer accepted my deed-in-lieu, then asked me to commit fraud by signing and swearing that everything contained in the document was true when I knew it was not, refused to correct the falsehoods, then breeched the contract, took back their acceptance because I would not sign fraudulent documents. 
Servicer ; Fay Servicing XXXX XXXX XXXX XXXX, IL. XXXX Fay Servicing , LLC XXXX XXXX XXXX IL, XXXX XXXX  ; XXXX XXXX  XXXX XXXX XXXX. As Trustee For LSF9 Master Participation Trust For more details for my complaint, I have provided my contact information. 


XXXX XXXX XXXX ( XXXX ) -my now married name Property address- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XXXX Phone- XXXX Thank you and anticipate hearing from you. 

I am also filing a complaint with CPB, Federally at the Dept of Justice Additional documents can be mailed as support at request, too many to attach. Thank you in advance for your assistance in this serious matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-28
Company: Experian Information Solutions 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:
On XX/XX/2020 I sent Dispute letters for those inaccurate and unknown accounts on my Credit Report but it's over 30 Days today I haven't received any response. I was a victim of XX/XX/XXXXData Breach. I demand to Remove ASAP those accounts or I will file a litigation.

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 2020-07-08
Company: Synovus Bank
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
A company contacted me online about a loan, they told me they were going to deposit the loan money into my checking account, The Bank Synovus never has any material posted about online Fraud nor do they have post do not ever give out your information on checking account about loans.Why would anyone not update Bank and their activity on banking with online loan company and companies, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX all these are online companies that offer loan but are scam companies why don't Bank regulatory police extend an company to the consumer highlighted warning about these type of people, I didn't know, why hold me responsible for what is real and what is fake, I don't know this is what I depend on the Bank managers and employees to know when i used to be a XXXX at XXXX XXXX XXXX we had every company fraud check listed in a book and every company that issued checks we had a number to call if a check was issued. 
Maybe I having a covid virus XXXX I don't know but I needed a loan for money to move and for doctor bills and for a car, I thought they were legit, But now account is in the negative XXXX and bank gave me the money they said it was real. I ask several times. I put the money on XXXX cards and XXXX XXXX   return to company for them to return money back as a loan they told me my credit was bad and that I had to establish credit and i could do that by returning the money in a fast pace in order to go to the next loan amount and then in the end I could get the amount I want for the loan. This all seem like a SCAM from the Bank Synovus Bank and XXXX XXXX XXXX I have no control over who has knowledge of a good or bad check I was taking a chance I depended on bank to tell the truth and they did not. Please try to help me because every bank I have been with has either scammed me or have done stolen Identity theft on my account. XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX settlement XXXX XXXX  XXXX XXXX XXXX  workers comp. settlement, XXXX settlement XXXX half stolen from XXXX XXXX XXXX. ITS like that or keep the change on the money all my life I have had money stolen from me, I never get to keep it to move or be safe, I can't understand who is doing this or if someone has vodoo or roots on me that know each and every time to steal it and I can't move or get a car, XXXX XXXX even sold me a car with faulty wiring that looked like it was in the flood I didn't know what is happen to the world know one wants to help. I said I want someone to help me not hurt me does help sound like hurt me help me please I can't believe that I keep getting SCAM banks cars loans and now seem like people, please think how to get along and help one another. 
THIS IS SCAM and ALONE looking for peace.!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX XXXX there were several unauthorized atm withdrawals from my account in the amount of {$200.00} each. The total came to {$800.00}. I did not receive a singe txt freud alert message from chase. Attempted to put in a claim to resolve the issue. After speaking to countless customer service representatives, it was determined that I was responsible. JP MORGAN robbed me on purpose. They have the FDIC TO COVER THEIR LOSES. I have. They loose in the end.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
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: Information belongs to someone else

Complaint:
I have XXXX accounts thats on my credit and they dont belong to me. The credit bureaus have not contacted me in 45 days with a reponse I will type all the creditors here. Please help me they refuse to investigate and send me proof My wife and I were XXXX and I checked my credit because I was starting over and I saw all these accounts thats not mines I contacted each creditor and they said If I dont pay they would ruin my credit. I will upload a copy of the credit report delete all accounts XXXX XXXX, XXXX/XXXX, XXXX XXXXt, XXXX, XXXX XXXX  accounts, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX NEVER HAD STUDENT LOANS ALL THESE ACCOUNTS ARE DUPLICATES AND THE ACCOUNT NUMBERS ARE ALL DIFFERENT WHEN I CALLED THE TOLD ME THAT THEY CANT SPEAK TO ME BECAUSE IM NOT GIVING COREECT INFORMATION. THIS IS FRAUD. THIS ISNT MY STUDENTS AND I NEVER HAD A CAR. 

ALL ACCOUNTS ON CREDIT REPORT ATTACHED CIRCLED DOED NOT BELONG TO ME AUTO. SOMEONE EVEN TOOK OUT A LOAN AND PAID IT

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 2018-12-18
Company: WELLS FARGO & COMPANY
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:
XXXX has been non-compliant with removing the unverified account WF CRD SVC XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX   have both completed their research and determined that WF CRD SVC was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.

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 2023-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2018-02-14
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
My information was recently stolen from Equifax, along with millions of fellow United States citizens. Although they are in fact a victim of cyber-hacking, they are also guilty of not taking the proper steps to safeguard the sensitive information that they have access to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Credit Center, LLC
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Credit Center XXXX XXXX XXXX XXXX XXXX, CT XXXX This company is the debt collector for XXXX XXXX aka XXXX XXXX  XXXX XXXX. 

Credit Center XXXX ( XXXX ) sent me a collection notice for the above Medical group. I advised Credit Center that the bill was paid. XXXX investigated and confirmed that my original payment had been applied to an incorrect account. XXXX confirmed that they would get the matter resolved. 

Another month, XXXX  send me that same bill. XXXX  did not correct the mistake and continues to send me bills and now telephone calls. I can not deal with these incompetent persons at XXXX. 

Bill paid, confirmed applied to wrong account, never corrected and constantly harassment from this debt collector. 

I have filed a complaint with the Dept of Banking for the State of Connecticut, the agency that handles " debt collectors. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TD BANK US HOLDING COMPANY
State: NY
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:
On XX/XX/2023 I received notice of a hard inquiry into my credit report that was made by TD Bank XXXX XXXX XXXX XXXX have not applied for any credit cards and have not applied for anything that would require a credit search. I have no associates with TD Bank and am not opening a Credit card with XXXX. More importantly, I did not authorize anyone to do a credit search and I believe this to be fraudulent. I am also worried that my identity may be jeopardized and am unclear how my information was leaked. 

Information of the inquirer : XXXX XXXX XXXX XXXX XXXX, MN XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 been corresponding back and forth with XXXX and now XXXX for the past year regarding the late payments they are reporting on my account with the credit reporting agencies ( XXXX, XXXX  and Trans Union ).

XXXX is reporting two 60 day late payments on two separate accounts! Not 30 days, but 60! I have asked for explanation and proof that these payments were billed as payments due and not received. I am not accustomed to NOT payment my bills. They responded by providing the attached statements for both accounts. Neither of the statements show when a payment was actually due or the amount that is due. They do show when I made payments and how much was accepted and posted to interest. It also has a column for Late Charge paid, but no amount is ever listed in that column, even when payments were made. 

My argument is that the accounts have been in forbearance for pretty much the life of the loans, so any payments that I have made has been only when interest payments are arranged, which I get emails when payments are due and I pay them, as you will also see on the statements. There is no indication on the statements that payments were due in XX/XX/XXXX or XX/XX/XXXX. You will also see attached, a statement from XXXX notifying me that both loans was back in forbearance beginning on XX/XX/XXXX. When I submitted this to XXXX, they said that the payments were already scheduled for XX/XX/XXXX ( ahead? ), but I never received any notification of payment due in XX/XX/XXXX.

There are also other dates listed on the statements where there was no payments received that they have NOT reported late. Therefore, how does this prove that the late payments they are reporting are accurate? 

I am asking that the CFPB review the attached documents provided by XXXX and myself and help me to determine whether they have legitimate reason to report the late payments at all. Let alone 60 DAYS late! Come on!

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 2017-09-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America deliberately falsified loan application documents related to a request that they refinance the outstanding mortgage on the property in question. When confronted with the false loan amount, which should have been about $ XXXX instead of $ XXXX ( see attached payoff letter ), Bank of America said they would fix the false loan amount on the back end, but they never did fix it. The loan application was denied in a letter dated XXXX XXXX 2017 based on that very falsified debt, saying the applicants debt to income ratio was excessive.

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 2022-10-15
Company: Bread Financial Holdings, 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: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act XXXX and XXXX Bank has violated my rights. Under [ 15 U.S.C. 1681 ] section 602, states I have the right to privacy. [ 15 U.S.C. 1681 ] section 604A section 2, it also states the consumer reporting agency can not furnish an account without my written instructions. Under [ 15 U.S.C. 1666B ] a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late, for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Today XX/XX/2020 around XXXX I see an unauthorized charge to a rental company called XXXX XXXX XXXX at around {$400.00}. Shortly after I call my debit card company KeyBank stating I need my card canceled, I have an unauthorized charge and had lost my card. At first I thought the charge was a false charge from my own cancelation of another charge from another company. Then I notice my card was dropped, and I call Keybank immediately. I also see my email is hacked and the fraudulent person on my account is talking to XXXX XXXX. I asked my company to please send the replacement card as fast as possible I paid {$15.00} extra. I said also I need the money soon and they told me it would take over 2 weeks to get my money back and they wouldn't be sure if I could get it back. I need that money to feed myself, I am unemployed. They did not even offer a temporary credit for me and I fear for my overall health.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-10
Company: EQUIFAX, INC.
State: NY
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 checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX XXXX XXXX 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 2021-06-07
Company: Experian Information Solutions 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 disputed invalid information on my credit report. not only did the credit bureau not provide physical proof for the accounts I disputed. they removed accounts that I did not dispute. I didn't ask for verification I asked for Validation. meaning ACTUAL paperwork. it has been over the 45 days for the investigation process and it has been closed. they haven't provided this information. no physical signatures, applications, etc.

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 2020-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 WANT TO NOTIFY THAT I RECENTLY FOUND OUT A FRAUDULENT ACCOUNT IN MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT, AND SOMEBODY USED MY PERSONAL INFORMATION AND OPENED A FRAUDULENT ACCOUNT UNDER MY NAME. I DID NOT AUTHORIZE ANYONE TO USE MY PERSONAL INFORMATION AND OPEN AN ACCOUNT BY XXXX XXXX XXXX. PLEASE TAKE ALL APPROPRIATE STEPS TO REMOVE THIS FRAUDULENT ACCOUNT FROM 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 2022-09-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was served papers to be sued by Synchrony bank XX/XX/2022 amount of XXXX  attorney 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