BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I made several complaints with the CFPB last year. I spoke with XXXX XXXX regarding the promissory note being forged. XXXX XXXX spoke to me prior to her attorney at XXXX XXXX responding to my complaint with the CFPB. She told me it would be recorded and once I told her I was recording it she told me she couldn't speak with me.Though I can't make another complaint about the forged signature on my promissory note, I am going to take all the paperwork Bank of America sent me last year along with the promissory note XXXX XXXX provided and have a forensic document examiner compare my signatures. So if I'm correct, and I know I am, I am going nationwide with it. I only live 3.5 hours away from a XXXX XXXX news station that's willing to listen and look at paperwork. When you need an attorney to respond to a complaint and we spoke prior, you know there's an issue. I still have the phone with the recording. I will have every person collecting all their documents that they never received from Countrywide Bank. I am also providing documents on my applications for a HELOC, which Bank of America serviced and a refinance in which Bank of America provided the information to Countrywide Bank that I had {$23000.00} in a savings account for account number XXXX on XX/XX/XXXX and on refinance account number XXXX with Countrywide Bank on XX/XX/XXXX. Bank of America says they don't show any account for my money, and I want my {$23000.00} plus interest. You can still say your only the loan servicer but I have so many documents to prove my point. On the Final Hud-1 statement that I have for XXXX does not match the Final Hud-1 account number ending in XXXX. Where did the money go? Is that why you sold the servicing rights. As for these loans they weren't made by Countrywide Bank they were made by Countrywide Home Loans, XXXX XXXX. I have a couple of statements still and the first statement says Countrywide Bank ( HFS ) which means Held For Sale. I tried to be nice and deal with you last year, but now I'm fed up and was tired of the lies and the runaround last year from Bank of America. Unfortunately, the CFPB makes it hard to go back on old loans, and I know they accept your answer and close it. Believe me this won't be closed until I'm done. You know I believe you were part of the Countrywide Bank " Hussle. '' Maybe if I get enough people to get their paperwork the FBI Crime Fraud Unit might be  interested again.

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 2020-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. BANKRUPTCY XXXX DISMISSED XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX XXXX XXXX {$200.00} XXXX   XXXX {$510.00} XXXX XXXX {$420.00} XXXX XXXX {$290.00}

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 2020-11-02
Company: CITIBANK, N.A.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This mortgage was an individual mortgage account opened by me ( XXXX XXXX ) not a joint mortgage as reported. Further this account was never late and paid as agreed. During a personal tragedy and job loss, I agreed to sell the house via power of attorney as I moved overseas. The house was sold and the balance was paid off in full.

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 2018-07-18
Company: TRANSUNION INTERMEDIATE 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: Credit inquiries on your report that you don't recognize

Complaint:
All three of the major credit reporting agencies ( Trans Union, XXXX and XXXX   ) are not up to date all the time on or reporting bogus information on me of which creditors look at this information and take it as being totally correct.

It also doesn't make sense that when one credit reporting agency fico score on me increases the others go down and vice versa.

When I apply for credit such as a car loan the creditor looks at several lending institutions with the best interest rates for my loan which gives me a " ding '' each time an inquiry is made and adds to my Hard Inquiries which in turn lowers my score ( I'm just trying to get the best interest rate ).

This also doesn't make any sense, for example, my fico score reads XXXX when my Positive Negative Credit Card Use is : 5 % Credit Age : 3 Years ( although I have 20+ years ) Payment History is : 100 % Hard Inquiries : 10 ( lowers score just for checking ) Derogatory Remarks are : 0 Total Accounts are : 21 WHAT IS UP WITH ALL OF THIS BAD REPORTING?

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: Experian Information Solutions Inc.
State: NV
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:
According to my research about FCRA 605, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below: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 XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$9100.00} ; XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2022.

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 2023-05-11
Company: WELLS FARGO & COMPANY
State: NJ
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:
XX/XX/17 I made a payment to well fargo credit card. 8 days later on XX/XX/17 they charged my card off as 60 days past due. Their data in credit reporting shows I am 30 days past due in XX/XX/2017 and current in XXXX, charged off and 60 days past due in XXXX. There is no logical sense for this and XXXX XXXX does not see the information is wrong and logically makes no sense, therefore does not delete it off 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 2023-05-11
Company: BROCKELBANK INC
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was contacted by Great Lakes student Debt Services and I paid {$940.00} from XXXX to XXXX and in XXXX I discovered it was a fraudulent company with Great Lakes and I can not get my money back. The company is called processing direct, and I have the payments Deducted from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
The unverified accounts indicated below continue to report on my credit report despite the written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus on XX/XX/2022, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-02
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: Problem with personal statement of dispute

Complaint:
I have two CitiCards. An Awards ( ... XXXX ) card and a XXXX XXXX ( ... XXXX ) Sometime in early XXXX, before XXXX, my card ending in XXXX, that I had not used for over 5 years was paid off complete. 

Payments were being made automatically to both accounts from my XXXX XXXX Checking Account. For some reason after the paying off my card ending in XXXX, my payments to card XXXX ( XXXX ) were being applied to my XXXX card. I discovered this error and contacted XXXX, who promised to move the credit in XXXX to XXXX and update my payment history accordingly. XXXX moved the credit to XXXX on XX/XX/XXXX, or thereabouts, but never updated my payment history as promised. As a result I immediately received a 60-90 past due on my credit report, which I did not know of until recently. 

Furthermore, my card ending in XXXX had received activity that was fraudulent after the XXXX correction. I never received a statement or notification in the mail about any activity. The disputed amount was reported to the credit agencies as still past due as recently as XX/XX/XXXX, however upon notifying XXXX, their fraud department and customer service departments tell me that I have a negative {$35.00} balance ( credit ). 

On XX/XX/XXXX, I received two letters from XXXX ( attached ) stating that my credit information is correct and that I need to contact the credit agencies to let them know I'm disputing the information. The only problem with the letters is that they both have card numbers that are invalid ( not enough digits and are nowhere near any card number issued ). 

I spoke with XXXX again, XXXX - XXXX PST on XX/XX/XXXX and was sent from department to department speaking to representatives in their fraud and customer services department only to be disconnected without resolution. 

I fear this really indicates XXXX XXXX lack of security protocols and their inability to have any oversight to their credit card billing and management systems. Their lack of knowledge about their own processes is grossly expressed as their representatives appear to be mouthpieces to only drive their customers to give up due to their corporate direction of not really caring about their clients concerns. I am sure that I am not the only one going through this exhaustive process to right the wrong due to their negligence. 

I hope this is enough information to start this investigation. 

I plan on re-calling them as soon as send out this statement. 

All of the above can be confirmed if XXXX releases all phone recordings and transcripts of my discussions and actions with them since XX/XX/XXXX. 

I can offer a copy of my credit report if needed. Every other creditor reports exceptional payment history except XXXX. 

Best Regards ... ... .. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-12
Company: Bread Financial Holdings, Inc.
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/20 I received a Comenity credit card. It was stated that this was a replacement for a Wayfair store card I previously held. However upon calling Wayfair they said they no longer do business with Comenity. So it seems that Comenity sent me a MasterCard to replace a Wayfair store card. When I activated the card I thought it was a new Wayfair card which offers special financing at their store. I did not realize this was not the case until I called Wayfair customer service. I feel this was deceptive on the part of Comenity, sending me a credit card to replace a store card I previously held.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-27
Company: HW Holding, Inc
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I recently pulled my credit report to find that XXXX XXXX was listed as a collection with all 3 bureaus. I havent any paper work I received a phone call a few months ago but they could verify the information after that I didnt receive any information from this company regarding any balance owed. Ive tried to dispute previously with no response I emailed them hoping for a response. I do believe this is a fraudulent activity nonetheless

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-06
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Hello, This is my second complaint with AES Success. My XXXX complaint was about them was not following the repayment on my loan documents and starting my interest payments early and not sending anything in writing about any payment being owed. I had found about about this when they reported it to the credit bureaus. When I filled my complaint my loan documents in pheea/pa forward matched mine exactly. I went in this morning and my loan document was changed to match what they were saying my start date of my interest was due. I guess they can go in and just change the terms of the loan. I guess they went in after my complaint to match what they were saying and basically changed the loan document after I had signed the other documents that I have on hand. I'm making my second complaint because I just got a letter and now they have changed my repayment. They now have changed my repayment to start repaying my actual loan payments when the loan document that I have and the one they changed online to start my payments of XXXX of XXXX, XXXX. My repayment on my original loan documents that I have say XX/XX/XXXX. The updated loan documents that I did not electronically sign that they have now updated shows XX/XX/XXXX. Is this legal for them to just to be able to change loan terms??? My daughter is in school until XX/XX/XXXX. Why am I being required to now start repaying a loan that shouldn't be due. I'm only requrired to make interest payments until XX/XX/XXXX. Why can this company be allowed to just go in and change loan documents whenever they choose??? I work in the car industry and deal with car loans on a daily basis with paper contracts and electronic contracts. If one of the banks we use or our dealership modified loan documents after they were signed the dealership or bank would be in serious trouble. So how can AES Success just be able to go into my loan documents and just change them??? I sent proof of my original loan last complaint. But I guess they can continue to operate and manipulate loan documents to match to whatever they see fit. I wish I would have never taken a loan out through XXXX. I had no idea that AES was going to be my loan servicer. I've attached my original loan document that I signed electronically. I've also attached the one they updated. The updated one was one updated a day later. They backdated this to the date after I signed my original loan document. This document was not in paforward 's website when I submitted my initial complaint number XXXX. Sometime after I made this complaint they changed my loan documents to match was I was disputing. When I submitted my first complaint my original loan document was in there matching my original loan document. They went in and changed it. Why is this company allowed to operate????

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-02
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Freedom Mortgage Company
State: SC
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I contacted Freedom Mortgage in late XX/XX/2020 to start the application process to refinance a loan for my home who I currently have through XXXX XXXX. During the processing cycle of this loan I was working with XXXX XXXX. XXXX XXXX asked my current mortgage lender for a payoff statement. This statement was good until XX/XX/2020. XXXX XXXX added a {$25.00} fee to my next mortgage payment for that payoff statement. Ms XXXX said that we would close before that date. Ms XXXX caused numerous delays due to mistakes and miscommunications causing us NOT to close by XXXX XXXX. A second request was made by Freedom Mortgage which would now be good through XX/XX/2020. However, due to numerous errors on their part, on XX/XX/2020 I withdrew my application and ceased to do business with Freedom Mortgage due to their ineptness and lack of communication between departments. 

On Monday, XXXX XXXX, 2020 I sent into my XXXX XXXX account and noticed that there was now a {$75.00} fee added to my next mortgage payment. I contacted XXXX XXXX and they stated that the {$75.00} fee was for THREE ( 3 ) payoff statements, two which were requested on XXXX XXXX but going to different fax numbers. Once I learned this I knew that it had to be Freedom Mortgage that did this since I was not dealing with any other refinance mortgages with any other company on that date. I do NOT feel as though I should be responsible for the 2nd and 3rd requests from Freedom Mortgage since it was all due to their inability to " get their ducks in a row '' and get me closed in a preset time frame. I sent an email to Mr. XXXX XXXX at Freedom Mortgage and asked his company to reimburse me the {$50.00} that his company has cost me in additional fees. I also called his office phone number and asked him to contact me. As of this evening ( XX/XX/2020 ), I have not received any responses from Mr. 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 2023-05-10
Company: United PanAm Financial Corp.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon reviewing United auto credit co response to my complaint I noticed United auto credit co statements were in violations with the FCRA. United auto credit costated stated that United auto credit co must provide complete and accurate information to the CRA. As XXXX XXXX XXXX reviewed my consumer report I underlined multiple unacurate and incomplete information provided by the United auto credit co to the consumer reporting agencies. I have attached a copy of my consumer report to this complaint as proof. Also United auto credit co failed to provide me XXXX XXXX the consumer documentation stating that I XXXX XXXX authorized United auto credit co to report transactions to the credit reporting agencies. United auto credit co stated that I XXXX XXXX requested to report a ( {$0.00} ) XXXX balance to the consumer reporting agencies that also is false.XXXX XXXX XXXX will NEVER tell any creditor to lie and or go against any FCRA guidelinesXXXX XXXX XXXX requested United auto credit co to DELETE all unacurate, incomplete and unauthorized transaction from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-02
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I charged {$5500.00} with XXXX XXXX Mastercard Credit Card. 
There was a promotion of no interest charges until XX/XX/XXXX. On XX/XX/XXXX I mailed in my last balance of {$1000.00}. I was paid in full. 

Now, they are charging me {$370.00} in interest charges because I paid of the card 15 days after. I understand if they charge me interest for 15 days for {$1000.00} but they are charging me interest for the total amount. 

I think this is not fair and I am asking for your help.

Company response to consumer: Closed with explanation