BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I received a text message from BOA asking if I had made a charge to XXXX for {$430.00}. I did not so I answered no, the next text said I would receive a call from BOA. A gentlemen called using the name XXXX XXXX from a spoofed BOA number that was Verified by XXXX XXXX, he claimed to be a BOA employee. He said the purchase to XXXX was made in Texas and I said I was in IL. then he said someone by the name of XXXX was trying to process {$3500.00} in XXXX transfers from my account. He said he could walk me through reversing the transfers. He asked that I create an account using my middle name and the first three letters of my last name and he would give me a transaction number,. Of course now I realize that translation number was a phone number. He had me transfer {$1700.00} from my checking and the remaining {$1700.00} from my savings. He tried to take more but it would not go through. He also said he would call back the next night in case the person was trying to take more. the next night his number came in as the BOA customer service number and I did not answer. I believe for him to know I was a BOA account holder and my phone number there had to have been a bank data breech,. BOA will not do anything to return my money since they feel they did not make an error, but between BOA, XXXX and XXXX the bank where my money was transferred to, there has to be an error in this entire process. Of course now I have received multiple emails from BOA talking about this zelle scam, where have they been to protect their customers prior to now. I don't use XXXX so didn't know how easy it was to send money or how there is nothing to reverse it. If you are not going to protect your customers then why are you offering it as a service., also BOA says to call when this happens and I have not had a wait time less than one and a half hours to talk to a BOA rep most of us do not have this time to spend. I have many notifications on my BOA account because I have a business account linked to it, so it is not unusual to have then contact me about a purchase, plus with a business account and I am more likely to do whatever I can to prevent a fraud purchase. I do not feel that BOA has protected my money for the fees I pay them and for almost 10 years.

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 2018-07-12
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sirs : My mortgage loan with XXXX XXXX was transferred to SLS ( Specialized Loan Servicing LLC ) on XX/XX/XXXX without my knowledge or authorization. I was paying XXXX XXXX {$1500.00} for years and never was behind on my escrow payments. My payment included {$240.00} towards my escrow every month and as I said, it always covered my yearly taxes and insurance, which have not changed at all in many years! Now, SLS is counting {$200.00} only towards the escrow at the same time as raising my mortgage payment by {$36.00} for a total payment of {$1500.00}. They are using the excuse that they are collecting for XXXX! I verified with a mortgage banker at XXXX XXXX and she also said what they are doing is illegal. I want my payments to go back to {$1500.00}. 32 with the escrow at {$240.00} ... If you look at it, by SLS not including {$32.00}. of my payment towards escrow and raising my payment by {$36.00}, they are illegally collecting a total of {$68.00} for their benefit!! 
I do not trust them and certainly do not want to do business with them and unfortunately do not have any income at this time so I can't get a refinance with anyone else!

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 2022-11-26
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The Credit Bureaus never did a proper " investigation '' according to the FCRA. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

The did not do this. 

Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because under 15 U.S.C 1681 section 602 A. States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : Also states that a consumer reporting agency may not provide an account without my written instructions I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: TN
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:
Upon checking my Chexsystem report I seen fraudulent inquiries and fraudulent account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
Notice is hereby given, that, I am consumer as the term is defined at Fair Debt Collection Practices Act and I have been unfairly, harassed, abused, XXXX by the deceptive practices of XXXX XXXX XXXXXXXX, a debt collector, herinafter wrongdoer by unconscionable means to collect a debt or attempt to collect a debt in violation of 15 U.S.C. 1692i ( b ) by deliberate abusive UNAUTHORIZED required notice deceptively addressed under FDCPA undefined term Mortgagor, instead of consumer per 15 U.S. Code 1692j as non-conforming to 15 U.S.C. 1692e ( 11 ) by the deceptive impersonation evidenced by attached document as 15 U.S.C. 1692e ( 5 ) The threat to take any action that can not legally be taken [ 15 USC 1692e ( 1 ) ( 3 ) ] or that is not intended to be taken ( by original creditor ) an abusive and deceptive act 15 U.S.C. 1692e ( 7 ) The implication that the consumer committed conduct in ( Judgement ) order to disgrace the consumer.

and therefore in violation 15 U.S. Code 1692e ( 9 ) by the use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval. 
The wrongdoer has induced a XXXX which is abusive in furnishing my personal information without permission in violation of written instructions in breach of security, identity theft in violation of 15 U.S.C. 1692j ( a ).

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 2022-11-26
Company: SECURITY FINANCE CORP
State: SC
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:
I am behind on my loan at Security Finance. I am not 30 days behind and plan on paying the installment when I receive my next paycheck. The company decided to do a hard inquiry on my credit for some reason. They said it was because they wanted to see if I was eligible to redo my loan. I did not want to redo my loan. I only want to pay it off in the time allotted by my loan agreement that I already have. In short. They did a hard inquiry on my credit without my permission. I am trying to improve my credit but, of course, they knocked my score down with a hard inquiry. 

Security Finance, 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 2022-11-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Bank of America is now reporting I owe {$36000.00} on a debt that's been discharged on XX/XX/. This is a violation of my rights.

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 2022-11-26
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: Reporting company used your report improperly

Complaint:
I did not authorize or sign for any of these inquiries and By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec.1681 ( a ), ( c ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 I tried to make a {$3000.00} dollar deposit on an ATM machine at the bank of America in XXXX TX, the ATM took my card and then my money but after it took the money it made a jamming sound and the ATM turn itself off.. I tried to push every button but it would not come back on so I went inside the bank and told them what had happen and the lady went inside a room and came back saying that there was nothing she could do ... to file a claim with the claim department, I did about XXXX min later and they said that they would have to wait until the tech went by there that night to get the money, since then I have called them and ask about the credit, but they would give me the run around.. finally this past Friday I received a letter saying that they would not give me my money back because it was not in the ATM, I immediately called them and told them that they have cameras every where they can clearly see me depositing the money and inserting the card, I feel like I '' m just been robbed of XXXX from Bank of America because they don '' t want take responsibility for the ATM turning off and of course they know who has the money

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 2022-11-26
Company: EQUIFAX, INC.
State: IN
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:
I have a right to privacy and I never gave any one written permission to report these accounts on my credit profile Dept. of Ed XXXX, XXXX XXXX XXXX, US Department of Edu XXXX, US Department of Edu XXXX, XXXXXXXX XXXX XXXX  XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: Experian Information Solutions 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 status incorrect

Complaint:
There is a {$7000.00} charge off on my credit and XXXX  XXXX keep contacting me about this XXXX XXXX XXXX. I just received an email from XXXX XXXX claiming they were going to repossess the car. This vehicle was totaled in XXXX, and as shown in the attached photos both insurance paid out and GAP was paid to the lender, but they are still coming after me for a car that doesn't exist for money they were paid years ago.

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 2023-06-17
Company: Experian Information Solutions Inc.
State: PA
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, everything must be 100 % accurate. 

The credit bureaus stated my account for XXXX XXXX was properly investigated but that is impossible if the balance is inaccurate, the date last verified is inaccurate, date of last activity is inaccurate, date reported is inaccurate, date opened is inaccurate, closed date is inaccurate, creditor type is inaccurate, credit remarks are inaccurate, last payment is inaccurate, and payment frequency is inaccurate, along with tow year of payment history is inaccurate. This is grounds for removal. 

My rights under the FCRA are also being violated such as : 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.

15 U.S. Code 1681- Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

15 U.S. Code 1681e - Compliance procedures ( b ) Accuracy of report 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errorsA person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Going for a mortgage to purchase a home for my 3 children, the mortgage company pulls from all 3 reporting agencies, and this information in each credit bureau is being reported inaccurately and inconsistent. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and have failed to do so. Please DELETE this erroneous item immediately.

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 2022-11-26
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX, I went to settlement to sell my house at XXXX XXXX XXXX XXXX, XXXX XXXX  XXXX. I found out at settlement that there was an unmarketable title or cloud on the property. I could not sell my home until the title issue was resolved. XXXX XXXX, Real Estate Attorney, initiated a Quiet Title Action on my behalf to resolve the title issue. On XX/XX/XXXX, XXXX XXXX XXXX, DC XXXX XXXX, Civil Division issued a court order confirming that I am the sole owner of the property and confirming that the Transfer on Death Deed is valid. The case number is XXXX XXXX XXXX XXXX XXXX XXXX ). The prospective buyer has been living in my house since XX/XX/XXXX because she had already given notice to her landlord about her vacating her apartment. I moved from the house to an apartment in XXXX XXXX  for medical reasons. The buyer, XXXX XXXX, and her agent, XXXX XXXX experienced continuous delays in the loan approval process for several months. The buyer 's loan involved a home inspection and submission of paperwork to a state organization in XXXX XXXX XXXXor a Home Purchase Assistance Program ( HPAP ) related loan. As of XX/XX/XXXX, her loan is still pending approval by the bank. I could not afford to pay a {$2300.00} rent and the mortgage at the same time. On XX/XX/XXXX, I was informed by my lender, LoanCare, that my home went into foreclosure on XX/XX/XXXX. I want to do whatever is possible to prevent foreclosure of my home. I plan to submit a Mortgage Assistance Application to LoanCare to delay foreclosure until the home can be sold to a qualified buyer. I want LoanCare to inform me of all options to prevent foreclosure of my home. I did not receive any written correspondence from LoanCare in reference to the pending foreclosure.

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 2022-11-26
Company: Experian Information Solutions Inc.
State: MS
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 contact this company serval times with either no responds or lack of this is affecting my ability to do business with other company 's. Can you please contact this company and have them to remove this incorrect information as soon as possible.

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 2023-03-31
Company: WELLS FARGO & COMPANY
State: ME
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
This is a portion of a letter written by order of the Vermont Superior Court during the telephone conference on XX/XX/XXXX. All evidence and documentation held by the Vermont Superior Court. 


In XXXX, one year after I was laid off and unable to find work, we applied for numerous programs through the Making Home Affordable program. We were required to work with the lender ( Wells Fargo ), providing applications and much paperwork and background information. Over the course of many months our paperwork was lost several times ( according to telephone conversations with representatives at Wells Fargo ), requiring new documentation be generated by us ( because according to them it was now out of date being some weeks later and we would have to start over ). It is important that it be known that we had never been late on, or missed a full payment at this time. This went on for some time until they began cashing our payment checks but not applying them to our account. We began receiving letters and phone calls from Wells Fargo demanding payment ( even though we had paid, on time ) and threatening credit reporting and eventual foreclosure ( again, we had never been late on, or missed, a full payment ). After much effort I was able to talk to someone who understood what was going on. She said our payments were placed in a special escrow account for people like us until the application process through the Making Home Affordable program was complete. 

I asked how I could avoid a negative credit rating and was told that they would apply our payments if we stopped applying for aid through Making Home Affordable. I had no choice but to agree to stop the application, and they applied our payments to our account. 

End of Letter We eventually did refinance independently of Wells Fargo but were forced to abandon the house because of work. Our complaint is that Wells Fargo has excluded us from the Court Order requiring them to make amends with consumers whom suffered from their business practices.

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 2022-11-28
Company: EQUIFAX, INC.
State: MA
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 information might have been impacted by data breach and my have got into the hands of the wrong person. below i do describe the company and date when the inquiries happened. thanks 1. XXXX XXXX XXXX CO inquiry made XX/XX/XXXX. 
XXXX XXXX XXXX XXXX inquiry made XX/XX/XXXX. 
3. XXXX XXXX inquiry made XX/XX/XXXX 4 XXXX XXXX inquiry made XX/XX/XXXX 5. XXXX XXXX XXXXXXXX inquiry made XX/XX/XXXX 6. XXXX XXXX inquiry made XX/XX/XXXX 7. XXXX XXXX inquiry made XX/XX/XXXX 8. XXXX XXXXnquiry made XX/XX/XXXX 9. XXXX inquiry made XX/XX/XXXX 10. XXXX XXXX inquiry made XX/XX/XXXX 11. XXXX XXXX inquiry made XX/XX/XXXX 12. XXXX inquiry made XX/XX/XXXX 13. XXXX XXXX inquiry made XX/XX/XXXX 14. XXXX inquiry made XX/XX/XXXX

Company response to consumer: Closed with explanation