BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-17
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've reported ID Theft to Equifax for over the pass 3 years and nothing seem to get done about it. I have sent Equifax over XXXX different police reports along with my FTC Identity Theft Complaint And Affidavit they always come back account was verified. The last time I submitted a compliant to CFPD Equifax told CFPD they could n't find a credit report on me, and ask me to submit the same stuff I been submitting for over 3 years and I did that and once again nothing was done about it, I also ask for them to provide me the name, address, phone number and the person name who they talked to so I can talk to them myself it was they did n't.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have a loan modification through Wells Fargo whose interest is going up to 5.2 % next month. It is my principal residence. I 'm told that because it is a mortgage backed security loan I can not qualify for any program. I can only do a deed in leu or a short sale. The loan modification they gave me also consists of a {$34000.00} ballon payment and is an interest only loan and any additional money received would go to the balloon payment. 
This home is in XXXX California. I held on to my property even though it was upside down when many walked away. My home is still slightly upside down but is recovering. Now I am placed in a financial hardship condition through a dramatic interest increase. My home was previously purchased with my then fiance. Had such a loan been not acquired, my then fiance would not have received as much of a settlement. I feel like Wells Fargo is extorting me, and I find their behavior unethical and immoral. We, the American people can bail them out but in their interest of making as much money as possible can not and will not work with homeowners.

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 2015-03-23
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I 'm having issues with my mortgage company saying that they can not discuss anything with me. They say that my estranged husband is the only one they will communicate with. they know we have been separated since XXXX and that I reside in and maintain the property. Recently I 've had some financial hardships and I 've reached out to the lender and they refuse to communicate with me as well as their lawyers. I was informed by housing counsel that as long as my name is on the note they should communicate with me. To no avail they wo n't. I feel there are some inflated costs to reinstate my mortgage so I made several attempts asking why and no one will communicate with me. there is also the question of would I even have all of these costs if they would have communicated with me from the beginning. Please if you can help me I need and want my home for my children and I.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: WELLS FARGO & COMPANY
State: SD
Product: Credit card
Issue: Credit determination

Complaint:
A soft inquiry on my credit bureau report lead to a review of my credit card and Wells Fargo determined that my inactivity on the credit report was a risk and needed to close my credit card. Called Wells Fargo to discuss the situation. Wells Fargo advised that I could apply to have the credit card reviewed for reopen but they would have to pull my credit information again to see about reopening it. This seems like unnecessary credit pulling.

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 2016-11-04
Company: WELLS FARGO & COMPANY
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Wells Fargo customer. I have two credit cards on my account that I do not recognize. 
I discovered information on my XXXX credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I live in XXXX, but my permanent address is my parents house in XXXX. My parents received a debit card in the mail in my name from Bank Of America and informed me of such. I have never opened a Bank of America account in my life. I believe this account was fraudulently opened in my name, using some piece of my vital information. I do not know how Bank of America allowed this to happen without me being present in a branch with physical proof of my photo ID, passport, social security card, or birth certificate.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury ( under the laws of the United States , if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

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 2015-07-09
Company: Northeast Collection Bureau
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Keep calling my phone and job threaten with legal action also arrest

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Bay Equity LLC
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I want to purchase the home I 'm in now. I have a lease option to buy for XXXX I approached a mortgage company : Bay Equity Home Loans, a local franchise here in XXXX XXXX, XXXX XXXX XXXX. My situation is unique in that I 've been a victim of ID Theft with regards to my former employer : XXXX exposing my XXXX Tax information to overseas hackers and that the IRS Confirmed this with a letter in XXXX that my XXXX was submitted a second time in XXXX 2016 : SEE ALL ATTACHED. 

In speaking to XXXX XXXX, he assured me that since I 've got my case well documented that he " felt '' that he could overcome my low credit score and the massive inquiries from XXXX to XXXX 2016 which I 've written the XXXX bureaus about removing as of XX/XX/XXXX. 

I 've asked my real estate agent : XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) who wrote my original contract and lease option to assist me with the purchase of the home. Now, due to my SHORT SALE of my previous home, I owe the VA XXXX due to the LOSS " BUT '', I 'm still eligible for SECOND TIER loan Guarantee according to the XXXX XXXX of a home up to XXXX. Here are the details of that phone call : 1 - The home needs to have the tongue and axles " REMOVED '' as this is a double-wide manufactured home : THEY ARE GONE! 
2 - VA DOES NOT require an engineers report 3 - Remaining bonus entitlement = $ XXXX XXXX - XXXX of home to buy : {$200000.00} 5 - WE HAVE {$2000.00} in that the landlord/owner agreed to use towards a down payment 6 - The new certificate will be issued as a compromised CLAIM in the center section of my loan certificate NO MIN CREDIT SCORE REQUIRED and it 's based solely on investors and lenders overlay. 

THE PROBLEM : XXXX XXXX at Bay Equity REFUSES to now get me a load because the house was move to this location from the original location where it was set when purchased buy the original owner. THUS : They are DISCRIMINATING AGAINST ME as a VETERAN and REFUSING TO ALLOW ME TO BUY THIS HOME. 

This is NOT ACCEPTABLE and XXXX XXXX told me now I have to SHOP AROUND for a bank/lender the WILL allow me to buy this home because it was moved a SECOND TIME. IT 'S XXXX! PERIOD, END OF CONVERSATION. 

If the VA will GUARANTEE the loan and they could care less if it was moved a bazillion times to another universe, then why wo n't BAY EQUITY or even XXXX do it and shut me down wishing me " GOOD LUCK! '' I DO N'T HAVE TIME FOR THIS XXXX and DO NOT FEEL THAT I 'M BEING TREATED FAIRLY!. I can BE EVICTED and the HOME CAN BE SOLD FROM UNDERNEATH ME and I WILL NOT STAND FOR THAT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a shortage in my escrow almost every year since I opened my loan in 2009. My taxes nor insurance have increased in these years. In fact they decreased. I applied for a modificiation in the beginning part of this year. At the time I applied my mortgage was current. I have not missed any payments. My Escrow is currently short {$700.00} as well as {$720.00} of my payments were applied to fees. I should n't have any fees because my account was current and still is current. A representative told me that there was no money applied to my escrow XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This needs to be corrected as well as investigated because I should n't have a shortage in my escrow every year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: EQUIFAX, INC.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had XXXX vehicles through metro credit union. I had XXXX vehicles on XXXX loan. They were both repossessed. I never received the the paperwork to this judgement that is now filed on my credit report for currently {$11000.00}. I recently went to the court house to get a copy of this judgement. First of all the reporting date that 's on the paperwork is n't the same as reported on my equifax and experian. But the part I found very disturbing is the paper work has the original loan papers which has the the Cadillac car and the GMC van on the same loan. I have the paper stating they repossessed the Cadillac and that they sold it and put that amount towards the balance that I owed. But for some reason it does n't mention that they sold the GMC van and if they did re sell it, they never added that balance to the amount that was owed. Which makes this amount that I owe not accurate. I do n't know if they sold the van or not. But what I do know is they are saying I still owe something that they have and if they sold it I was never compensated off the amount that I owed. The amount that has hurt my credit to the point of not being able to pay back because the interest is about almost or is 20 %. The court house that gave me the judgment paper work told me that this account to be paid off in full including interest is over {$22000.00}. How could I ever afford that? They have charged me interest on a amount that is not accurate and because of this it has ruined my credit life. If I would of been given the paperwork I could of fought this in court. The person they served had no right to sign for paperwork important paperwork on my behalf not to mention I did n't live there at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2016-06-15
Company: EOS Holdings, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have had this company call me numerous times. I have told them over and over that I can not pay right now. I have XXXX kids and I can not add another monthly payment to my bills. I have been doing credit counseling and have started paying my debts XXXX by XXXX. 

Today XXXX XXXX I received a call from EOS CCA for an old XXXX account. I have to make sure the amount is correct with XXXX XXXX XXXX since I have been reading about a lot of scamming from this company. 

The person on the phone said I needed to make payment arrangements. I told them I could not at this time. Supervisor gets on the phone and tells me that he knows I have kids and a job so I should be paying my bill. I told him I am saving up for something more important at this time and it would have to wait. He says what could be more important and I said marrying my wife. 
And he asked me numerous times how I am paying for my wedding and that my debt is more important. 
Examples being " How are you paying for that? '' I find that very offensive and harassing. 

I am highly upset. I do n't feel it is right for them to ask me how im paying for my bills and how im taking care of my family. 

I have been working on my credit. My whole tax return goes to debt every year. Im trying to raise my credit. 
I do not want to deal with these rude people. This is insane to me to be spoken to by a debt collector in such manner. This is not the only debt I have. I went from XXXX on my credit report to XXXX so I am working on it. I do n't appreciate this kind of harassment. This has made me extremely upset and angry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
When I opened an account with Regions Bank the put me in an " opt In '' status without asking me. Opt in means that the keep paying your debit charges even though you have no overdraft protection. As with a normal debit card it will refuse the charge if there re insufficient funds, they call this " opt out '' which should be the default like all debit cards. Now I have accumulated XXXX in NSF charges. They did not give me a choice as to " opt in '' or " opt out ''. why would anyone chose to pay a XXXX overdraft fee for a XXXX debt charge. They are a rip off.

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 2016-06-14
Company: Weinstein & Riley, P.S.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never had a business relationship with the creditor. Collector filed a law suit, for which I did not receive written notifications to appear in court to defend myself. The collector sent notifications to a previous address I no longer have access to and compromised my privacy. The collector obtained a court order to freeze my bank accounts by misrepresenting the facts. The lack of access to my bank accounts has created a hardship causing me to default on my daily commitments ; both personal and in my business due to lack of access to my bank accounts. This type of harrasment has created excessive stress and has disrupted my job, which is the only way I have to support my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Resurgent Capital Services L.P.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Reporting on my credit reports and they have removed the account and then added it back a few weeks later. They have been unable to verify any information. They agree to delete and then I see they put it on there again. And I dispute again and again ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is not mine, I called XXXX and notified them. I never lived at the address the account was opened. I 'm sure it was one of my sons but this debt is NOT mine

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/XXXX on finance a XXXX XX/XX/XXXX XXXX with pentagon credit union which my father is the cosigner. His name is XXXX The pentagon Credit union has only report to the credit Bureau that only made XXXX payments. the reported the first XXXX payments only. So from XX/XX/XXXX to XX/XX/XXXX they have not reported no information to any credit Bureau affecting and damaging my credit and father Credit payment history determines 35 % of a FICO Score. You have no just cause damage mine but also to my father XXXX. If this matter is not resolved and we are not considering the right interest rate for the mistake that the Penfed has made for inaccurate information. This has caused us XXXX damages, higher insurance premiums, Damages for emotional distress, humiliation ; indignation, and pain and suffering

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 2017-10-11
Company: Consumer Portfolio Services, 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: Credit inquiries on your report that you don't recognize

Complaint:
Upon checking my credit report again due to an alert i received from the credit bureaus, I noticed several unknown, unauthorized credit inquiries on my report. A company by the name of CONSUMER PORTFOLIO SVC, XXXX XXXX and XXXX we on my report. Number one I ca n't drive because I have XXXX XXXX, so why do I need a car? Next, I 'm not in the market for a new credit card neither and ca n't afford to pay back amounts in full every month as needed from XXXX. 

This is my EIGHT REQUEST asking you to remove the unverified inquiry, which violates the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights. The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following inquiries are related to none of the aforementioned permissible purposes, and I demand that the following accounts be properly verified or removed immediately. 
What this means is that your company must be willing and able to produce a document in your files that proves authorization was given by me and the information being reported is accurate and you must be able to do this in a court of law if I file a lawsuit against you. Someone in your company must authenticate the documents in your files that were used to verify the disputed inquiry and to do this they must have 1st hand knowledge of the alleged inquiry and all that has ever transpired for the alleged inquiry under oath and under the penalty of perjury. 

Please be advised that if this inquiry isnt verified according to the Fair Debt Collections Act. You must delete this recording from my credit reports. 
Under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Company response to consumer: Closed with explanation