BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-06
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX Wells Fargo Bank NA claimed in their final response that its affiliate appraiser XXXX XXXX whose license was revoked in XXXX, had a secondary appraiser support his fraudulent appraisal of my home. 

The address on the appraisal document was incorrect and never corrected and the homes the subject property was compared to was considerably larger. 

Wells Fargo requested that I allow them to " update the false information '' they repeatedly submitted to validate the current mortgage. I DO NOT AGREE to Wells Fargo request to alter or omit any more information from the loan origination documents it previously presented in its attempt to validate the current loan. 

Wells Fargo has committed mortgage fraud multiple times by knowingly submitting fraudulent documents with fabricated items over the course of 5 investigations in an XXXX attempt to validate the current mortgage loan which was the result of a misrepresented loan amount it knowingly purchased from XXXX XXXX A Division of XXXX XXXX XXXX in XXXX. 

Please note Wells Fargo omitted XXXX XXXX 's appraisal report in its latest revision of the loan origination documents submitted before the CFPB. Additionally, Wells Fargo never presented the second appraisal report that it mentioned. 

I am requesting Wells Fargo provide a copy of both appraisal reports before the CFPB. 

I am requesting Wells Fargo provide a notarized copy of the waiver it presented in its last response. 

I contend that without valid loan documents Wells Fargo is attempting to collect on a fraudulent mortgage loan. 



Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 I sent my mortgage holder, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX a check for {$4000.00} to cover my normal and additional principal. On XX/XX/2018 the check cleared my bank but was never credited to my account. XXXX said they did not receive a check in the amount of {$4000.00}. The back of the check was stamped with " CR PAYEE ACCT XXXX XXXX XXXX BANK OF AMERICA ''. I understand this means it was credited to XXXX XXXX XXXX  account with lack of endorsement. I submitted a complaint to XXXX and their answer is they did not receive the check and the endorsement on the back is not XXXX. XXXX claims they contacted Bank of America and were advised that the funds were submitted to a valid lockbox, but not XXXX XXXX lockbox. Therefore, they are unable to transfer the funds to XXXX. Bank of America also indicated that I will need to file a fraud claim to be reimbursed tor the funds. 
I want to know ; 1. Why Bank of America cashed the check with no endorsement?

2. Why was the funds transferred to a " lockbox '' that the payee or payer can not access?

3. Why was the payer or payee not contacted?

4. How did the check get to Bank of America when it was sent to XXXX? 
5. Why do I need to file a fraud complaint? Has Bank of America committed an illegal act?

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 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I recently received a copy of my credit report and my birth year is incorrect I tried to dispute with XXXX but had no luck the credit report shows s birth year of XXXX however I was not born until XXXX also the credit report shows several addresses I have only lived at one address I have enclosed a copy of my ssn and drivers license as proof however it remains unresolved

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 2023-02-10
Company: Experian Information Solutions Inc.
State: AR
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, 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.

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 2020-06-01
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
When I try to authorize my identity 8s says to identify existing mortgage loan thru a multiple of companies.also to identify loan for a vehicle for another set of companies. I have never applied for either. So I'm think someone somewhere isusing my identity to obtain property.

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 2022-02-22
Company: EQUIFAX, INC.
State: CA
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:
XXXX XXXX XXXX XXXX check, XXXX # XXXX, XXXX, Amount {$220.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$4500.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$550.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$16000.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, Amount {$730.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$120.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$650.00}, This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXX, XXXX # XXXX, XXXX, Amount {$870.00} This account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible. XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount $ XXXXThis account was opened fraudulently, contacted the company and company refused to remove this from my account and is still trying to hold me responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We have tried a number of times to come to some type of solution to save our home from foreclosure. When they initiated the foreclosure were were only {$10000.00}. in arrears.

We tried to make payment arrangements. We tried top do a forbearance. We tried everything we could to avoid foreclosure. We had an attorney who to our knowledge was familiar with the foreclosure process but did not represent us in the manner in which we wanted. Leaving us in a very bad situation. We have overcome our hardships and we have money saved to workout a solution to save our home. Please help us save our home from foreclosure. We have XXXX  ( XXXX ) small children under the age of XXXX. We need our home for our children. We are both working and do have savings to pay ourm mortgage.

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
In XX/XX/XXXX, I opened a saving account in the amount of {$5000.00} with Bank of America. The account specialist persuade me to open the savings account with Money Market Savings. He informed me that MMS gives better interest rates and they fluctuate more in my favor more than if I were to just invested in the regular saving interest. I never got any statements. Ive never checked the balance. 
On XX/XX/XXXX, I went to BoA and withdrew {$5000.00} and told the teller to close out my account. 
In XX/XX/XXXX, Ive notice my checking accounts from BoA and XXXX XXXX XXXX and fraudulent charges and charges made by other than me. I also asked about my savings account to BoA. They printed me one copy at the branch. Ive requested another copied from corporate and was charged {$160.00}. They immediately purged my savings account. Ive made numerous attempts to question why my interest rate stayed at 0.02 % annually? That breaks down to {$0.00} a month. But, the interest dollar amount did not reflect equal to the interest rate. It was even less than at some months. Id would only get {$0.00} or {$0.00}. Some months, Id get {$0.00}. Some months {$0.00}. Majority of the times its {$0.00}, no matter what my end balance is. Sometimes the annual amount earned and amount paid doesnt even add up. 
Ive made countless inquiries to account managers, specialists, branch managers. None, not one can explain why. Thats four branchs Ive visited. Calls, endlessly without success. They even try to ridicule me until Ive asked if they would buy into it. And, why doesnt the numbers add up. Even if the interest amount were to be rounded up or down, the amount doesnt equal the calculations. They purged my account after my second inquiry of why my savings account was thus.

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 2019-03-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed the collection account on my Transunion and XXXX credit report. XXXX succesfully resolved issue but Transunion did not. Transunion instead claimed to have verified and updated the info on account and Transunion also lowered my score by 28 points. There is no update on the actual credit report. I paid this account in full to the Original Creditor XXXX. There should be no collection and no balance. Transunion failed to contact original creditor to see if the balance had been paid and are continuing to report false data that is not updated or verified.

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 2020-09-21
Company: TCF NATIONAL BANK
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
TCF Bank announced earlier in XXXX that they would begin charging a {$4.00} fee for paper statements in XX/XX/XXXX. This fee would not be charged if signed up for online statements. On XX/XX/XXXX, I contacted TCF Bank to ensure that my account was signed up for online statements. XXXX responded via secure message on the TCF Bank website stating I was indeed signed up for online statements. 

On XX/XX/XXXX, I was charged {$4.00} by TCF Bank. When I realized this on XX/XX/XXXX, I immediately called and spoke with a female ( she did not provide her name ) who said she would reverse the charge and make sure that I was signed up for online statements. I questioned multiple times for assurance that I was signed up and would not be charged this fee again. She assured me and said she wrote it in her note about the call that I would not be charged this fee again. This fee was never returned, despite her saying it would be. 

On XX/XX/XXXX, I was again charged {$4.00} by TCF Bank. So now I have been charged {$8.00} by TCF Bank despite being assured multiple times that I would not be charged. 

They have a link on their phone app that says " sign up for online statements. '' After clicking this, nothing happens - their link is either broken or purposely made to not work. Once clicked, it goes to a " website thinking '' webpage and never leaves. Their internet website has no link to this what-so-ever. I feel TCF Banks actions are ILLEGAL and PREDATORY in order to steal money from their consumers. 

I have attached the initial response from XXXX I received in the TCF Bank Secured messages.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
Company: FC HoldCo LLC
State: NJ
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:
In XX/XX/2019 Flagship Credit Acce added inquiries on my credit report per XXXX XXXX. These inquiries were not authorized in writing by me. These inquiries were disputed and unsuccessful removed by the credit bureaus. According to the FCRA, Flagship Credit Acce has violated my rights as a consumer And Im requesting legal action to remove these inquiries.

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 2023-01-28
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
EVERYTHING ON MY EXPERIAN REPORT IS INAACURATE, FRAUDULENT! I REACHED OUT TO EXPERIAN SEVERAL TIMES IN REGARDS TO MY REPORT AND MY INFORMATION BEING COMPROMISED! NO RESPONSE! EXPERIAN HAS THREE DIFFERENT ADDRESSES, THREE DIFFERENT NAMEs and a bunch of Other information that is inaccurate! I HAVE ONE NAME AND LIVE AT ONE ADDRESS! THERE ARE ALSO SEVERAL ACCOUNTS THAT WERE FRAUDULENTLY OPENED UNDER MY PROFILE! EXEPERIAN HAS NEVER GOTTEN MY WRITTEN CONSENT TO PUBLISH ANY INFORMATION AS SUCH ON MY BEHALF! I HAVE SENT MULTIPLE DOCUMENTS PROVUNG MY SELF and RESIDENCY! By LAW THIS IS FRAUD AND EXPERIAN CAN BE FINED FOR EVERY VIOLATION!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: Experian Information Solutions Inc.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2020-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2020 XXXX all 3 bureaus ) 60 days late as of XX/XX/2020 XXXX all 3 bureaus ) I am not sure how this happened. I believe I made my payment to you when I received my statement. My only thought is that my statement did not get to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting a fraudulent account, errors, multiple names on my credit file that do not belong to me, i called and Experian multiple times and couldn't get any one to help resolve the problem. 

experian is reporting a fraudulent account called SO XXXX XXXX for {$130.00} from a company i've never done business with, i never signed a contract or gave permission to that company to access my social security number or personal address. 

Experian is reporting misspelled names or some one elses name on 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 non-monetary relief
Consumer complaint received 2020-12-02
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I notice some accounts and inquiries on my credit report that I did not open on my credit report CREDENCE RESOURCE MANA Original creditor : XXXX XXXX {$2300.00} Collection opened XX/XX/2020 2020

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have many Hard Inquires to my Credit report that I was Un aware of. I did not authorize them. I have contacted TransUnion and they want we to report to the FTC and send them a copy when complete. 

foursight XXXX inquires 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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 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 View full complaint

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 2023-01-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY
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 the creditor XXXX XXXX XXXX XXXX  and creditor XXXX XXXX XXXX has violated my rights. Under 15 USC 1681 section 602 states that i have the right to privacy. Under 15 USC 1681 section 604 A section 2 also states that a consumer reporting agency connot furnish an account without my written instructions. Under 15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Please remove all inaccuracies and update my credit profile

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 2020-06-01
Company: Experian Information Solutions Inc.
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:
unauthorized and fraudulent inquires reporting on my credit reports

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 2020-07-15
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I am writing to dispute the late payment reported by XXXX. My account number ends in XXXX and the last four of my SS # is XXXX. I have been impacted by COVID. Not only did I have the virus and was in the hospital for a long time, I lost my job. I spoke with XXXX and was advised My payments were deferred until XX/XX/2020. I get a credit alert and they have reported me as past due. This is a VIOLATION OF THE CARES ACT AND THE LATE PAYMENT NEEDS TO BE REMOVED! I WILL PAY THIS ACCOUNT IN FULL ONCE THEY CORRECT MY CREDIT REPORT AND REMOVE THE ERROINIOUS LATE FEES!!!!! I was told I was provided protections under the CARES ACT and they failed to adhere to what was offered to me! No one has called me from XXXX! I received no written notice or terms of the deferred payments/forbearance plan. All I had to rely on was what the Rep told me. I thought I was protected until XXXX. XXXX needs to make this right, AND COMPLY WITH THE CARES ACT AND FIX MY CREDIT REPORTING AND REMOVE ALL LATE FEES AND CALL ME ONCE THAT IS DONE!

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