BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have Bank of America CALIFORNIA EDD DEBIT VISA ACCOUNT. Due to.faulty chip technology I and a million other people got scammed. I lost {$900.00} on that with precious little help from Bank of America. EDD CLOSED THE ACCOUNTS OF 1.5 MILLION UNEMPLOYED people because of the fraud. As per EDD instructions I faxed and mailed all identity documentation. EDD INFORMED ME THAT MY IDENTITY WAS CONFIRMED ON XX/XX/XXXX. I still have no access to my money. The {$900.00} that was scammed, the {$1800.00} that was still in the account, the certified weeks since, and the Federal Psndemic assistance. B OF A is using {$5000.00} of my money for 3 months so far. B of A blames EDD. EDD BLAMES B OF A. 1.5 million of us have no money to pay our bills with. I have done many hours of useless telephone conversations with both. 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 monetary relief
Consumer complaint received 2021-10-07
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: Information belongs to someone else

Complaint:
My identity was stolen and compromised. I have not been checking my credit report in a long time but was apalled to see how many fraudulent accounts I had opened in my name. I called each of the consumer reporting agencies and consulted with my legal team and was told to file an FTC identity theft report which is attached below. 

I also have multiple addresses and employers on my report that I have never been associated with. This information is very damaging to me so please remove all of the following negative information attached down below.

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 2022-10-20
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: Account information incorrect

Complaint:
I have sent many letters to all three credit report agencies to remove ALL charge off accounts from my credit report. 

I know pursuant to 15 USC 1681 it is their responsibility to report fair and accurate reporting. I also know that this grave error has cause detrimental damage to my livelihood. These companies assumed this vital role in assembling and evaluating consumer credit and they are continuously furnishing inaccurate information. 

XXXX, XXXX, and TransUnion are violating my rights and breaking federal law!

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 2018-12-20
Company: CIT BANK, NATIONAL ASSOCIATION
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with this company for a refi and the appraisal process took very long because their XXXX made major mistakes. I initially received a commitment letter with just a couple of conditions which I was fine with sending. After the appraisal issue was resolved and I agreed to pay down the mortgage to meet their requirements I received another request for information that I couldn't provide without sending information I knew would not be accurate. There was no exchange or any additional documentation I gave them after the original request but they required information beyond the initial approval. Then they told me I would have to pay thousands in rate extension fees. I specifically told the originator NOT to extend my rate because rates had gone down. I wanted to let the rate expire and relock, not at the lower rate now available but at the same rate without the thousands in fees. I was told I could either pay the fees or my loan would be terminated. I simply asked they release the appraisal I had payed for to go to a different lender to avoid the fees or honor our original agreement and I would close at the higher rate. They refused both. I have been a XXXX for 23 years and have never seen this policy. It became evident it was a some type of " bait and switch '' based on a rate they never intended to honor. This is clearly a company praying on consumers who really know no better than to be baited in by their iitail quote but then pay the fees they require or they will terminate the process. I simply asked to have them release the appraisal and I would move on but they refused. Companies like this are a detriment to our industry and cause consumers harm. How many people agree to pay their additional fees that are not disclosed because they do not have the knowledge I do with my industry experience. If they simply allowed me to take my appraisal to another lender or honor the current higher than market rate I would have moved forward. In my opinion these internet based companies are a detriment to honest lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX O XXXX, IL XXXX XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX  XXXX Balanced Owed : {$0.00} XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX XXXX XXXX Balanced Owed : {$0.00} XXXX XXXX Balanced Owed : {$0.00} XXXX XXXXXXXX Balanced Owed : {$0.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

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 2018-12-20
Company: Experian Information Solutions Inc.
State: NE
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:
From Experian. They and this company never contacted me to ask anything about this bill. Its not mine. Ive asked them to prove it to me. Nothing. 

Report NumberXXXXXXXX Date generatedXX/XX/2018 print iconPrint Your Results Remains + 'icon ' Remains XXXX XXXX XXXX  Account XXXX The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the detail

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 2020-02-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/XXXX USAA Reports UNTRUTHFUL INFORMATION TO AUTHORITIES. NO RESPECT. USAA Reported to CFPB that I reported FRAUD XX/XX/XXXX XXXX {$230.00} see attatched USAA statement XX/XX/XXXX. CLEARLY the {$230.00} is part of the whole amount reported FRAUD XX/XX/XXXX. USAA CAN NOT GET THIS TRUTH. Statement XX/XX/XXXX shows. NO TEMP CREDITS USAA Policy of temp credits to BEGIN FRAUD INVESTIGATION ** THEY DO NOT APPEAR THEY DID NOT HAPPEN AS USAA CLAIMS and Neither do the {$470.00} temp credits appear. The FRAUD CLAIM DATE XX/XX/XXXX Can Not be TRUTH as THERE ARE NO TEMP CREDITS hello ( ** TO MAKE PERMANET. ) USAA LIES ABOUT LYING HIDES TRUTH INTERNAL. TEMP FRAUD CREDITS MADE PERMANET NOT SHOWN ON STATEMENT. Kindly Note the XXXX transaction posted the same day I reported it ( ** FRAUD CAN NOT BE TRUE. XX/XX/XXXX IS THE DATE OF THE PURCHASE PUT ON THE ACCOUNT. {$230.00} XXXX you can view it on attatched statement USAA. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I work for a gov't agency which was ordered by our local superior court ( on XXXX ) to investigate why a guardianship ordered by the court is not operating as needed. 
The reason is because Merrill Lynch has not honored the guardianship documents and therefore the guardian has not been able to access funds which are necessary to pay for the ward 's care. The elderly ward is now facing eviction from her care facility due to non-payment, because Merrill Lynch has continued to disregard the court 's guardianship documents. 

In my effort to assist the guardian, over the last 3 weeks I have spent approximately 10 hours on phone calls and the guardian has spent add'l and excessive time calling, faxing, mailing... all to no avail. No one at Merrill Lynch has been able to assist and every call requires recreating the scenario with a new service rep. The lack of customer service is unconscionable.

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 2022-10-20
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I have sent many letters to all three credit report agencies to remove ALL charge off accounts from my credit report. 

I know pursuant to 15 USC 1681 it is their responsibility to report fair and accurate reporting. I also know that this grave error has cause detrimental damage to my livelihood. These companies assumed this vital role in assembling and evaluating consumer credit and they are continuously furnishing inaccurate information. 

XXXX, Equifax, and XXXX are violating my rights and breaking federal law!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: Millennial Home Lending, Inc
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello, On XX/XX/XXXX I received my loan estimate and approval from Millenial Home Lending, Inc XXXX XXXX XXXX XXXX, CAXXXXXXXX 
Our closing date for my new home purchase was set for XX/XX/XXXX. 
They told me that my income and credit were not an issue for the loan amount that I was borrowing, {$230000.00}. 
We received a copy of the appraisal on XX/XX/XXXX, showing the property value at {$250000.00} and our purchase price was {$240000.00}. 
Our problems started well into XXXX, when the lender realized that my husband owns a home just 2 miles from the one I am buying for myself and my elderly mother to live in. I explained the reason that I am buying a house separate from my husband 's. 
I still had ownership of my original house from before we married, and my nephew lives there. They had a problem with that, so we provided the documentation to show that my nephew is purchasing the house through payments for {$25000.00} ( roughly 20 % of it's actual value ), and I am not collecting houses for investments. I am purchasing another house so I don't have to put my mother in a nursing home when she needs more help than I can provide with weekly visits. 
THEN they started wanting my mother 's financial information. She wasn't on the application and had nothing to do with the purchase, but they pushed for me to supply them with her financial information, or they would need to submit the loan as an investment property and require 15 % down. 
I have two BIG issues with this : As a working adult female with my own money and credit, why can't I buy a house that I want to live in because they assume I want to use it for investing when I have no history of any previous house sales or renting? 
Also, with the aging population and so many families trying to keep loved ones out of nursing homes, why are they able to make it so difficult to help a family member have a home with or near their caregivers? How is this legal??

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been trying to dispute incorrect and/or invalid items listed on my credit report and have gotten no assistance from the creditors or the credit bureaus regarding this matter. Please see attached documents and letter for referenced issues from above.

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 2023-07-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$190.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$500.00} ; XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$1400.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XX/XX/XXXXXXXX  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 non-monetary relief
Consumer complaint received 2016-10-09
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is not responding to my requests to investigate and remove accounts that do not belong to me 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 2023-04-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I will need to improve my credit score before I can apply for any loans in the future. Also saw some hard inquiries on my report that I did not make myself and that's making a big impact on my report. It's essential to have a good credit history to qualify for favorable loan terms and interest rates. I was hoping you could not apply for a car loan, but I could not. I was attempting to purchase a home and apply for a car loan, but I could not do so because of issues with my credit report. There shouldn't be any damages on my report since that is defamation of character by the 15 U.S.C. 1681 statute. 

I tried to remove these problems multiple times and they will not take it off. I tried contacting XXXX but the company is not listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-04
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
My credit report shows inquiries that were not authorized by me. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-11-18
Company: Westlake Services, LLC
State: NV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The affiant is exercising its right of revocation under 15 U.S.Code 1635 and UCC 3- 306 to rescind any power of attorney used in connection with this transaction, including any derivative, hypothecation, trades, or transfers of possession, voluntary or involuntary involving each and every instrument. I was not informed of the existence of any such power of attorney and demand its complete revocation ; nunc pro tunc. As the affiant is aware, I participated in a credit sale as a result of the consumer credit transaction I got into with XXXX XXXX  XXXX XXXX, XXXX XXXX  on XX/XX/2021. 
The affiant is aware that under 15 U.S. Code 1635, the affiant is no longer accountable for any financial change. Due to the sum of {$29000.00} relating to both the Truth in Lending Act and Regulation Z, the creditor must terminate any security interest and restore any money or property.

According to Bureau standards, each consumer credit contract must have eight needed material disclosures, which must be clear and conspicuous, bolded in ten point type, and sectioned off in boxes. A mortgage contract must contain nine required material disclosures. The contract furnished by XXXX XXXX  XXXX XXXX, XXXX did not fulfill the entire requirements of material disclosures required by the Truth in Lending Act, as noted in EXHIBITS below

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 2015-05-05
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX, we filed XXXX XXXX bankruptcy. In XXXX XXXX, we completed our bankruptcy and according to our bankruptcy documents, we were to resume our original mortgage payment of {$480.00} in XXXX XXXX to our mortgage company Bayview Loan. This amount did n't include our current escrow, so we started paying {$650.00}. In XXXX XXXX, we found out they were cashing our checks but not applying our payments to our account. They claimed we owed {$11000.00} in back escrow. After NUMEROUS phone calls and faxes, we were sent a payment history from XXXX XXXX to present. We have been in bankruptcy since XXXX, where was the rest rest of our payment history? At first, we were told that was all that was available. Then we were told they were sending it but that there was an 8 month gap between their old system and new system that they can ' t provide. So far, we have received NOTHING! Also, we were requesting an escrow analysis because according to the payment statement we did receive, on XXXX XXXX, three months before we were to complete our bankruptcy they added close to {$11000.00} to our escrow account. Bayview has made numerous promises to get us documentation, provide us with a researcher, and help us determine if we owe this money and if we do, why it was added so late in the bankruptcy so it could not be paid off. They have done nothing. They have ruined our credit report we worked so hard to clean up and are now threatening foreclosure. Also, if we still owed arrears, why did they sign off on the bankruptcy completion papers saying all arrears had been paid?

Company response to consumer: Closed