BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-07
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX I applied for my first mortgage with XXXX and this was my now ex wifes second mortgage due to her bad mortgage decision for the townhouse in XXXX and multiple debts. The mortgage was about XXXX plus I had to get a loan from my bank for an extra XXXX for the extra debts, etc.
We separated XXXX, divorce final XXXX. In the decree the judge said that she had until XXXX to refinance or sell the townhome. She was not allowed to extend any more further debt or new debts in my name. And was solely responsible for any and all responsibility for the property and she had to show me the property note and once she proved that it was clear, I would be released from the deed.
By XXXX, she drove 2 hours to a different XXXX and had a loan modification approved, extension of terms from 30 years to 44 years, was given a advance in the amount of {$25000.00} that is now a deferred balloon payment.
She 's also filed and forged my signature on tax returns to claim the mortgage interest that was in my name alone without my permission or knowledge plus used my information to receive tax information for loan modification and hardship application just recently as last month.
I have not received any information on the application or the fact that it was done and done against a permanent court order. I have no idea what information was used in approve the request for modification and I never signed anything.
Plus she 's not paid escrow, property insurance, nor real estate taxes. I was garnished up until XXXX then the 3rd mortgage lender paid her debt of almost 9,000.
She also fraudulently filed a claim for hurricane damages citing 4 months of damage and hardships. Her property was barely touched and the mortgage company released XXXX to her for the claim for damages.
On top of that, she 's had a note loan on the property that she keeps getting refinanced. This last refinance was for XXXX, before that XXXX and before that XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: Chime Financial Inc
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I filed a claim to dispute charges posted to my account which I did not authorize or receive, and hours later was notified only by email that my account was going to be terminated indefinitely and did not give any reason at all. On XXXX XXXX I was denied my ATM withdrawals and received nothing, but the following amounts were posted to my account ( {$210.00}, {$200.00}, and {$220.00} ) on XX/XX/XXXX, The charges officially posted, and I disputed them with agent XXXX via telephone around XXXX XXXX ( EST ). On XX/XX/XXXX, at XXXX XXXX, I received an email notifying me of my account closure and my account ineligibility to receive my disputed posted charges back as a result even when I have emails from Chime saying those ATM withdrawals did not go through as evidence

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-12
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo ( Wachovia - XX/XX/XXXX ) failed to protect my my mother and father 's checking account from a convicted felon out on parole. All account funds were exhausted in the approximate amount of {$140000.00} across a XXXX period. Prior transactions on the account were small and infrequent, and Wells Fargo failed to notify both account holders and protect our funds despite the alarming increase in transaction frequency and amount. 

My family and I looked to recover our money through a number of avenues, including contacting Wachovia executives directly. Our pursuits to recover our savings were consistently denied with insufficient reasoning. My father passed away in XX/XX/XXXX and thereafter my mother, sister and I no longer had the energy or will to pursue the case against Wachovia after the loss of our father. Although we tried to move on from this remarkably terrible time in our lives, we have been consistently reminded of the failures of Wells Fargo as one of the largest financial services company in the world to serve their customers with integrity. Most recently when listening to XXXX XXXX XXXX on XXXX, we were encouraged to file a claim through the Consumer Financial Protection Bureau in hopes of a satisfactory response by Wells Fargo to begin to right their history of wrongs. 

Please see below for our loss history through XXXX : XX/XX/XXXX : 1 check = {$1000.00} XX/XX/XXXX : 5 checks = {$10000.00} each = {$50000.00} XX/XX/XXXX : 1 check = {$40000.00} XX/XX/XXXX : 1 check = {$16000.00} XX/XX/XXXX : 1 check = {$4200.00} XX/XX/XXXX : 1 check = {$15000.00} & 1 check = {$3000.00} = {$18000.00} XX/XX/XXXX : 1 check = {$8000.00} XX/XX/XXXX : 1 check = {$4500.00} XX/XX/XXXX : 1 check = {$1000.00} TOTAL LOSS through Wachovia = {$140000.00} *** Cash Advances through XXXX XXXX XXXX were reimbursed per our request and their investigation into this claim in 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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
XXXX XXXX # XXXX is reporting an account with a balance to my credit that should not be there. This account is paid and should not be reporting a balance to my credit. I need this updated or removed immediately as it is negatively affecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 - ACCOUNT # XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX  - ACCOUNT # 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 an 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 non-monetary relief
Consumer complaint received 2019-06-19
Company: SUNRISE CREDIT SERVICES, INC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/XXXX/XX/XX/XXXX called XXXX to transfer internet connection to my new address. I had unlimited internet access and tv for XXXX a month. XXXX didnt have service in my new address and offered set up internet with one of their vendors but never said the fee was by the minute and not unlimited. It wasnt until it was turned on I received email stating the fee. Immediately tried calling to disconnect and was transferred many depts. no one could help. It took about 3 days on calls holding to have it disconnect. After hit me with this outrageous bill of hundreds dollars for an expensive service I never asked for.

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 2020-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
After being informed that a personal loan application was rejected on the basis of a reported credit card delinquency on my credit reports, I downloaded a copy of my TransUnion credit report on XX/XX/XXXX to review the only credit card listed - XXXX XXXX ( XXXX ). 

Although XXXX rejected my offer to allow the CFPB to review all account information submitted by both parties in support of my XX/XX/XXXX 'APR or Interest Rate ' Complaint and render a decision, the company instead retaliated by reducing my XXXX  XXXX Credit Limit from {$15000.00} to {$6500.00} and subsequently closing my XXXX  XXXX  Account on XX/XX/XXXX ( see attached ). 

In addition to numerous other questionable activities that have been reported to the CFPB since ( see my complaint history ), XXXX continues to engage in reporting misinformation to the credit bureaus designed to confuse and/or mislead potential creditors and other users into believing the account is still active and in arrears. 

Examples include the information captured in the fields highlighted on the attached TransUnion credit report including the following : 1 ) Date Updated = XX/XX/XXXX 2 ) Past Due = {$2800.00} 3 ) Date Closed = XX/XX/XXXX 4 )  Credit Limit = {$0.00} Although the Credit Limit was {$15000.00} prior to the reduction, XXXX is now reporting it as {$0.00}. 

Enough already ... the account was Closed by XXXX on XX/XX/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 2017-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are inquiries on my credit file that I did not authorize. I 've written and mailed out a letter stating to remove unauthorized inquiries on my credit files and sent this through certified mail to ensure delivery. I do not recognize nor did I authorize the inquiries listed in the letter that I sent to the credit bureaus. The bureaus received a detailed copy of my letter with identification.

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 2020-02-17
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Apple Card/Goldman Sachs holds payments for 10 days before applying them to your account. They receive the money from your bank, mark the transaction as complete in your account, but refuse to apply the payment to your available balance for up to 10 days. For no rhyme or reason. When you contact them about it they don't give you a sufficient reason. They say it depends on your payment, account, and bank. Then they try to push you into using their product Apple Cash in order to get your payment credited immediately. 

I have never had a credit card tell me that paying directly from my bank, especially after they've already received the money that it was a problem. 

This is an issue and the ambiguity around who they are making wait 10 days questionable. I did XXXX this issue and found people complaining about 3-5 days lag times but never 10 days like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
Company: ENCORE CAPITAL GROUP INC.
State: MA
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:
XXXX XXXX amount was for XXXX. XXXX XXXX took me to court ( XXXX District Court ) and the judge dismissed the case that I pay nothing. This account does not belong to me. 
I had disputed the account XXXX XXXX from my credit report and they refuse to remove it, even with my document from court that show account dismissed and I pay nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-19
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Repeated requests to provide methods of accuracy & verification used by Experian pursuant to FCRA 's promulgated statutes, rules, authorities and/or 611et. seq., remains intentionally silent.

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 2019-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I try to get the refinance my property so, my banker can not pull out the credit report. which they ( Banker said Disputed ) I try to fix up those problems so many days. by calling, and Internet complain too But I couldn't do any things to solve the problems That's why I report today for solve the problems.

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 2019-04-11
Company: EQUIFAX, INC.
State: UT
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 is reporting a debt on my credit file that I do not owe. I have never had XXXX XXXX. This debt needs to remove off of my credit. This is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: Second Round Limited Partnership, Austin, TX Branch
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:
In XXXX I my credit was impacted by a company called XXXX XXXX. They claimed I owed them XXXX. I have never done business with this company and I have not borrowed from them. I contacted them and asked for any contracts or supporting evidence. They had no contract and removed the item from my credit. Two months ago a new company : SECOND ROUND LP at XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX or ( XXXX ) XXXX, began reporting this fraudulent debt as a new collection. This has seriously impacted my ability to do personal business. On XX/XX/XXXX, I asked them for documentation in an effort to discover the nature of the fraud. They could/would not corroborate the debt with documentation. The company has chosen to ignore me and continue to report this account as a collection each month. Today XX/XX/XXXX, experian notified me this company has again impacted my credit by reporting this account collection. Upon researching them on the XXXX site I found multiple serious complaints of impropriety and credit bullying. Please aid me in this situation. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-19
Company: EQUIFAX, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
The following accounts do not belong to me : XXXX  XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX- # XXXX Every other Bureau removed this account. Equifax refuse to. I sent them an FTC report and a police report filed with my local police department and they still have not complied. These accounts are not mine and have not been verified. This has affected my ability to attain credit. Since Equifax has refused to comply and remove these unverified items listen on my credit I have filed a complaint with the CFPB, and contacted my attorney generals office. All proof is attached below.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-12
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
Shortly after consolidating my student loans with through the federal student loan.gov website i was repeatedly bombarded with telephone calls from many different companies stating that they worked with the education department and are trying to help people reduce their student loan debt by getting them into the student debt reduction program that was in the last days from the XXXX XXXX. The also said that I would have to pay 5 payments of XXXX to lock me into the program and make sure that my loan repayment stay at $ XXXX monthly for 20 years which would allow the rest of my loans to be forgiven after that 20 year period. I naively believed that they were associated with the government and signed up with the company as i feared a large monthly repayment having owed {$100000.00} in student and XXXX children to raise. I realized that XXXX XXXX XXXX XXXX were fraudulent after calling them and hearing a recording that said they were shut down and being sued. I became suspicious and called because earlier that morning I received a call from another loan forgiveness agency, from a California number but their service rep had a strong foreign voice, sounding XXXX. This made me really think about How foolish I was with ( XXXX XXXX XXXX XXXX ) also known as XXXX XXXX XXXX XXXX. 
I quickly contacted my lender but not sure what else I can do.. I also need to find out how to freeze my credit and must some how check to see if i must change my SS #, and must contact my bank just in case my finances are in jeopardy. 

Now i am going crazy trying to get things cleared up. I am a nervous wreck and terrified, they have so many of my personal information. I am in total fear and agony. please help me if you can assist in any way. I will appreciate your guidence. 
please contact me ASAP, Thank You Naive Mother

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Good Afternoon, Last year I felt a bit squeezed financially by Covid and the lack of overtime at my work so I took Bank of America up on their offer of help. I agreed to a temporary reduction of my loan. I successfully paid during the trial period. After the trial Bank of America offered me a 30 year fixed new rate. But I turned it down because I only have $ XXXX left on my loan so it was foolish to even entertain this offer. I still have $ XXXX left on my loan never missing a payment and at times paying more. But Bank of America has tacked on an extra payment of $ XXXX on to my loan after I rejected the permanent offer. They even add extra fees every month as late fees to this new amount they say I owe for missing payment during the trial. I paid what they told me to pay ever month. 4 months. I asked for help and they have hurt me not helped me. Its like I went to the mob for a loan and have to pay a vig. 

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 2020-02-17
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:
I decided to move out my apartment complex due to bad maintenance. I checked a new complex out and I had to get my credit pulled. At the moment it was pulled I learned that I was not able to get the apartment due to bad items on my report. Some one has took my identity they have ran my credit outrageously. I can't think of who would do something like this to me, but the items showing on my report are not mine. Please remove these unknown items. 

XXXX XXXX/XXXX  XXXX {$620.00} XXXX/XXXX   XXXX {$0.00} XXXX XXXX XXXX XXXX {$21000.00} XXXX XXXX {$320.00} XXXX XXXX {$850.00} XXXX  XXXX XXXX XXXX {$93.00} XXXX  XXXX  XXXX XXXX {$120.00} XXXX XXXX {$1300.00} XXXX XXXX {$2900.00} XXXX  XXXX  XXXX  XXXX {$700.00} XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX {$110.00} XXXX XXXX XXXX {$230.00} XXXX  XXXX  XXXX XXXX {$1300.00} XXXX XXXX XXXX XXXX {$70.00} XXXX  XXXX  XXXX XXXX {$3300.00} XXXX  XXXX {$19000.00}

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 2019-04-11
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
We opened an account with XXXX ( XXXX XXXX XXXX Visa card ), and asked for there not to be 'Account Assure ' service on the account. They added it anyway. Also, when we closed the account they posted our payment as late and charged us a late fee & interest before closing the account, even though the final balance check was cashed within about a week of asking for the account to be closed ( they claimed they received the check 2 days late and charged {$27.00} late fee, then interest and the unwanted service fee of ~ {$0.00} a month on top of it. The balance being paid off was about {$27.00} ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This acct has been removed from my XXXX and XXXX credit report its still showing on my 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