BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-29
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wells Fargo has damaged my first time home buyers experience. My loan originator was awesome, very courteous and answered as many questions as he could. However, my loan processor was very unprofessional. She lacked communication throughout my home buying process. I submitted 59 total documents to my portal and that was not good enough. I called her 9 times in 7 days, with no response and no returned email. I was one week away from my closing and she would not answer or return my calls or emails. I reached out to two of her direct managers on XX/XX/11 with a very detailed complaint via email. I have yet to hear from either. I spoke with someone on Friday, XX/XX/XXXX and he informed me that my application was declined due to " decreased assets ''. I told him that's impossible, my accounts tripled since the time we applied for our mortgage. He informed me he would reach out to underwriting to make sure the information was correct and call me back. I have not heard from him since then. I informed him, that the denial reason is incorrect and it leads me to believe that my husband and I have been discriminated against. I have no received a denied '' letter yet to see the reason for denial. However, I can only go off of what he told me. In addition, I told him to look up my statements from XXXX and XXXX to prove my assets increased with in that time frame. It is completely unacceptable to lie and say I was denied for something and I can prove you wrong. There was no sense in urgency working with Wells Fargo. They don't care about whats important to the customer, deadlines and obviously closing dates. This has been the worst experience of my life, the worst customer service I ever received. I did not feel valued. I felt discriminated against. I felt like they asked for more documents from me than they would of someone who's a different race. I have asked someone who just mortgaged through wells Fargo whose credit score and assets are the same as mine and she only had to submit 19 documents. However, I had to submit 59, and I was still denied. I will never recommend Wells Fargo to anyone for a mortgage. They will make your experience the worst ever. At this rate, they are asking for another lawsuit! This proves why they're consistently in court for multiple settlements. They do not know how to do right by their customers. On the other hand, I went through another lender and was approved in two days with a mortgage to commitment letter on the 9th day. Someone please explain the racism and discrimination from this company. Its absurd and illogical. If Wells Fargo can not prove to me that my assets declined, and that was the reason for my denial, I will be looking to pursuit legal action for discrimination. This is in violation of the HMDA ACT, Fair Credit Reporting and ECOA.

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 2017-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There are two issues at hand : 1st issue is that I have a mortgage with XXXX XXXX, that was set up last XXXX, and it is still not reporting on my Transunion file, it is how ever reporting on the other 2 agency 's, I have called mutiple times to get it corrected and get some one overseas that tells me that that I have duplicate files, I told them there are 4 XXXX XXXX XXXX in XXXX County,  Ohio, but it 's never been corrected as of today, I have reach out to XXXX  and they state they are reporting. 

2nd Issues, is that we did a tax settlement with the IRS, the IRS agreed and we file the paperwork to remove the reporting of a Federal Tax Lien over 7 years ago, mutiple letters and calls to get it resolved, but it 's still 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 2017-01-17
Company: EQUIFAX, INC.
State: GU
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello I tried applying for a loan on XX/XX/2017 and when XXXX XXXX XXXX checked my credit score from equifax it appeared as my dads name.it also showed his date of birth Please get back to me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: SYNCHRONY FINANCIAL
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
On XX/XX/XXXX I applied for an extension of credit with CareCredit for a CareCredit card issued by Synchrony Bank and a few days later I received an adverse action letter stating I was denied. I am not attempting to be troublesome nor am I outright disagreeing with your companys decision. I would just like to know what laws or procedures were used to come to this determination. could you provide me with the exact subsection that was used? Can you also provide me with what part of the law says I have to abide by the credit score you choose to use, or that this transaction even needs to be reported. The cfpb states in XX/XX/XXXX Key Dimensions and Processes in the U.S. Credit Reporting System section 3.1.1 that credit reporting is voluntary and always has been which mean its not a determining factor so how are you judging based off of a voluntary system? company procedure does not supersede federal law. This is a direct violation of my rights of a consumer 15 usc 1602 ( f ) tells me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that you committed fraud and used my credit card 15 usc 1602 ( l ) ( social security card ) without authority, and I received no benefit with no statute of limitation on fraud this claim is still valid. 15 usc 1691 ( a ) ( 3 ) makes it clear that I can not be discriminated against for exercising my rights. Now I would hate for this situation to escalate I am sure you are just doing your job but I am now holding Synchrony Bank criminally liable. I am willing to let all of this go does the right thing and reverses this decision thank you. Attached is the adverse action letter which serves as proof of the fraud youve committed and proof where the cfpb states credit reporting is optional.

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 2022-02-25
Company: The Outsource Group, Inc
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I only had {$900.00} to pay now all a sudden it's at XXXX ... ..i was making payments but I guess it was not good enough for them. If there is a garnishment to my pay. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Stop contacting me I owe nothing to these XXXX  trying to over charge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, INC.
State: TX
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 Credit Reporting Agencies have been doing nothing despite the countless attempts I have done to dispute my Credit File. I have been sending multiple dispute letters as well as CFPB complaints requesting the correction of the disputed accounts from my Credit Report. Under the Fair Credit Reporting Act, the Credit Bureaus are required to verify the validity of the information being reported on my Credit File and provide the consumer documents of verification from the investigation the Credit Bureaus have conducted. However, even though the Credit Bureaus did allegedly verified the disputed accounts, the Credit Bureaus failed to send me copies of the results of their investigation. The Credit Bureaus have also been ignoring my Dispute letters and have failed to properly respond. I am now submitting this CFPB complaint today to inform the Credit Bureaus that if they do not abide by my request for the next 15 days and fail to correct the disputed accounts, I will be filing a lawsuit. It has been a long time sine I started disputing my Credit File and yet you have been indifference. Once again, I am requesting you to please correct the following items from my Credit File : XXXX XXXX XXXX XXXX XXXX, TX XXXX DPT EDXXXX XXXX Balance Owed : {$3700.00} XXXX XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo is taking advantage of my situation to their advantage! I can barley pay my mortgage anymore and they supposedly did a Home modification when times were bad but I 'm still over paying and can barely keep my home due to XXXX! PLEASE HELP!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I neither affirm, nor deny this purported debt, you claim I owe your company {$4600.00}. On XXXX XXXX, XXXX, I contacted CNAC regarding the Credit Entry made on my credit report. I returned the vehicle to XXXX XXXX on XXXX XXXX due to several on-going issues and the engine blowing on XXXX XXXX as a voluntary repossession. When I finally was able to speak with someone regarding this debt and asked if I can do a settlement, I was told yes I can and they would transfer me to the Settlement department. When I spoke to the person in the settlement department at CNAC, I was told by them that they no longer owned the debt and it was sold and they could n't offer me a settlement due to they no longer owned the debt. I asked them why their making entries on my credit report as if they still have ownership of the debt and they told me that they can legally do that even though they do n't own the debt and ca n't offer me a settlement. I have reviewed my credit report from all XXXX credit bureaus and found that the entries made by CNAC inconsistent and possibly fraudulent throughout the last years. I also noticed that CNAC never updated my credit reports when I first purchased the vehicle of payments that I made, they only updated it with negative information. I was told when I purchased the vehicle that they help people build credit and they report to all XXXX credit bureaus monthly of payment, which is n't true. I also notice the first week of XXXX, after speaking with them on XXXX/XXXX/XXXX that CNAC removed the account from XXXX and then add it back on, as well as update all XXXX credit reports status as Volunteer Repossession, which was never listed until the week of XXXX/XXXX/XXXX. I have also sent a letter to them addressing this issue, please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: MO
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:
This is XXXX XXXX and Im submitting this complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX Balance Owed : {$350.00} XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX  XXXX Balance Owed : {$560.00} XXXX XXXX Balance Owed : {$940.00} XXXX XXXX Balance Owed : {$850.00} XXXX XXXXXXXX Balance Owed : {$760.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$500.00} XXXX XXXX XXXXXXXX XXXX Balance Owed : {$260.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-18
Company: Experian Information Solutions Inc.
State: TX
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 reviewed my consumer credit report and I noticed some unauthorized accounts from XXXX XXXX under 15 USC 1681 number 3. Experian assumed this role without permission not only that you did not have my consent. Experian did not respect my privacy pursuant to 15 USC 1681 a number 4. Experian did not exercise its grave responsibility, the company was unfair, and partial. The company never had a permissible purpose pursuant to 15 USC 1681 b number 2. I never instructed or gave any consent for the to be reporting in the first place. What I am demanding now is that you all delete the accounts off of my 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 2022-02-25
Company: NRA Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Recovery Agency is contacting me via mail and TEXT ( at XXXX! ) regarding a XXXX XXXX account that was paid off XXXX ago. The previous agency that tried to collect on this account, this was taken off my credit report and I thought I was done with it, but obviously not

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 2016-04-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
i bought a XXXX on XXXX i wired XXXX to XXXX XXXX IN XXXX I TOLD HIM I WOULD PAY THE OTHER XXXX IN PERSON I WIRED THE MONEY THAT AFTERNOON AND LEFT TO XXXX AT XXXX THAT MORNING. XXXX CALL ME AT XXXX WHEN I WAS ALMOST THERE TO THE ADDRESS WITH THE TRUCK DRIVER AND SAID HE HAD TO GO TO XXXX ON ANOTHER MATTER SO XXXX COULDNT BE THERE SO I CALL MY BANK TO STOP TRANSFER UNDER A FRAUD AND CALLED THE XXXX STATE POLICE TO HOLD ACCOUNT MAX FROM THE XXXX STATE POLICE SEIZED THE TRANSACTION AND XXXX SAID THEY NEVER GOT TO YOUR MONEY AT BANK OF AMERICA AND THAT THE MONEY WENT TO XXXX BANK OF AMERICA SO THROUGH ALL THE FORMS XXXX XXXX XXXX XXXX FILED WITH BANK OF AMERICA IN HOLD HARMLESS I WAS TOLD I WOULD HAVE MY MONEY XX/XX/2016 AS OF NOW STILL NO MONEY AND THERE STILL NOT DONE.

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2015-11-11
Company: TRANSWORLD SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company TSI/XXXX changed the open dates on XXXX debts XXXX of them where medical and paid through medical assistance to XXXX hospital the open dates where changed to XX/XX/XXXX which is impossible for me to have gone to XXXX since it was bought out in XX/XX/XXXX the other is issue is XXXX which was openedopened a little over 7 years ago but the date was changed to XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX submitted a modification ( HAMP ) for my mortgage loan on my primary residence which is a single family home and XXXX Mortgage AKA Bank of America denied it proclaiming there are missing documents from the submittal. When XXXX asked what are the missing documents so there looking for XXXX Mortgage XXXX Bank of America never answered them..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-08-08
Company: Law Office of James R. Vaughan, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XX/XX/XXXX I opened a XXXX credit card, I had a {$1400.00} balance and I defaulted on it a year or two later. In XX/XX/XXXX they tried to put a lean on the checking account. Since I 'm on XXXX they could n't take money since I get government checks. Skip to XXXX XXXX, I got a letter from one of my credit card companies that they were inquiring my information. I called to find out what was going on. They said that I owe {$4700.00} and I needed to pay it back or they were going to take court action. I asked if it could be reduced to the original amount plus lawer fees they rejected it and said I had to pay back the full amount. So to avoid the court action I agreed to pay {$100.00} a month for a year then $ XXXXfor a year then {$150.00} for another year, with a final payment of {$91.00}. They said that was the only way to avoid court action. Being on XXXX I can NOT afford this. I say one of your reps on XXXX XXXX, so wondering if you can help me in this matter?

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 2022-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and corrected from erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balanced Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2022-08-18
Company: EQUIFAX, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report. By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file : XXXX XXXX Balance Owed : {$11000.00} XXXX  / XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation