BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I AM CALLING FOR A THOROUGH CHECK WITH BANK OF AMERICA AND A TITLE COMPANY NAMED : XXXX XXXX XXXX XXXX XXXX. THERE IS A COVER UP!! 
IN XXXX, MY EX HUSBAND DEFRAUDED BY TAKING A {$150000.00} HOME EQUITY LOAN ON MY HOUSE. AT THE TIME OF THE DISBURSEMENTS, I WAS IN THE HOSPITAL GOING THROUGH PAIN AS I WAS IN A BAD ACCIDENT. THIS ACCIDENT OCCURRED ON XXXX XXXXXXXX  MAN STOLE MY IDENTITY WHICH INCLUDED MY SOCIAL SECURITY NUMBER, MY DATE OF BIRTH AND OTHER PERTINENT INFORMATION ABOUT ME. 
I HAVE THE LOAN AMOUNT IN XXXX, WHICH ACCORDING TO MORTGAGE REGISTRATION SYSTEM, BANK OF AMERICA WAS THE INVESTOR. I MADE A PRIOR REPORT AND BANK OF AMERICA INFORMED ME THAT THEY WERE ABLE TO FIND 2 ACCOUNT NUMBERS ENDING IN XXXX AND XXXX. ONLY ONE ACCOUNT WAS SEEN. WHAT HAPPENED TO THE OTHER ONE? WHAT HAPPENED TO THE {$150000.00} EQUITY DISBURSED IN 2006? 
I AM IMPLORING YOU TO PLEASE ASK BANK OF AMERICA TO RELEASE ALL THE DOCUMENTS PERTAINING TO THESE TWO ACCOUNTS.IF IT WAS ARCHIVED, THEY CAN GO BACK AND GET THEM. 
I HAVE PROOF THAT {$150000.00} WAS ADDED TO MY MORTGAGE AND I WAS NOT THE ONE WHO TOOK IT. 
WHY IS BANK OF AMERICA TRYING TO COVER UP ON THEIR BAD INVESTMENT? 
ALL I AM ASKING FOR IS WHO THE CHECK WAS PAID OUT TO, WHAT BANK IT WAS TRANSFERRED TO IF IT WAS ACH AND WHO TOOK THE MONEY. 

I CONTACTED BANK OF AMERICA TO INQUIRE AS TO HOW THE CHECK WAS DISBURSED THEY CAME UP WITH STORIES. 
PLEASE ASSIST ME. I NEED THIS {$150000.00} OUT OF MY MORTGAGE!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I had deposited a check for an insurance claim and didnt know that the wrong check was sent to me, leaving me with a huge negative balance of course I spoke to my bank explaining the check I received was to be sent to the towing company and they got my check. This was going to take some time to clear up but Im was not trying to accrue all the NFS fees and I had my stimulus checks to deposit but wasnt going to if they couldnt get the NFS fees removed. They agreed and everything was great. Until they literally just ripped out {$760.00} out of my account a whole month later screwing up my account and money! They refused to give my money back and I cant understand how they can do that!

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 2017-09-15
Company: EQUIFAX, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today if Friday, XXXX XXXX, 2017. I have tired to freeze my credit report at Equifax about 10 times over the past 5 days. I keep getting their error message or a message to try back later. Once, I got to the point where they wanted {$10.00} -- according to their web site there should be no charge for someone over age XXXX from my state. 

If they ca n't get their computers to work, it 's not surprising they were hacked. 

I was able to easily freeze my credit report via the web for the other two companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-04
Company: General Motors Financial Company, Inc.
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I 've received a notice on my credit report that I 'm 60 days past due on a GM Financial Account. I have never missed a payment ever, and I am not late. This is incorrect. I spoke to a customer service rep 3 weeks ago about this and was told that my account is 100 % paid in full, {$0.00} balance. I need this corrected. If this prevents me from obtaining credit due to their false reporting, I will hire an attorney and seek the maximum amount possible due to the false reporting & statements made by their customer service employees by GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: AL
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:
Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer is one of many violations for Experian, XXXX, and 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 2017-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I have a bankruptcy on my credit file. I w rote the BK co urt to ask them what the process is when reporting the court cases and their response was that they do n't report to the agencies. I contaced  XXXX   XXXX , Transunion,   XXXX   XXXX   XXXX   they just said it was verified with  XXXX   XXXX . I wrote  XXXX   XXXX  and they just sent me my file. I did n't know they could verify with another bureau. This has been a never ending cycle I have proof and they still wo n't delete it.     The problem is, none of that information is accurate. The recorder of deeds, the magistrate, or the court itself did not furnish any of this information to the credit bureaus.  XXXX   XXXX , which is a for profit company that is in the information-selling business. They regularly collect public records information into their database, and then they sell it to the credit bureaus. it is a violation of the Fair Credit Reporting Act to report false information. Also claiming to get information from a court, when it is actually obtained from an unna med 3rd party, could e asily be considered false information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-10
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2020-10-25
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
XXXX  XXXX XXXX did not remove a 30 and 60 day late payment on my credit history. The banks online payment system didnt process my payment then didnt notify me that my payment wasnt processed. My account hadnt missed a payment in almost 3 years. So it was out of character for my payment to go unpaid. I have spoke with XXXX  they had originally agreed to remove the delinquency.

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 2020-03-10
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: Personal information incorrect

Complaint:
Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect.

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 2019-11-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Parties involved : PayPal Synchrony Bank ; I did not receive or lose any money, just had several very adverse charges to my credit reports which has significantly impacted my credit score.

To whom it may concern.

This appears on my credit report at all three credit bureaus and we are in the process of purchasing a home and this has had a major effect on my credit score. I have called and spoken to 5 different people at Synchrony and PayPal with everyone agreeing that this is not an account and I do not have a credit account with you or synchrony. Unfortunately, no-one has been able to stay on the line long enough to follow-through and I have been hung-up on multiple times but the " representative ''. I need a letter stating that this report was sent in error, the customer service person I spoke with on Friday said a letter would be faxed to me at XXX but I have not received the letter.

Thank you for your attention to this matter.

Sincerely, XX This appears on all three credit bureaus SYNCB/PPC XXXX History : XX/XX/19 ; XXXX XXXX dates XXXX XXXX. XXXX, XXXX ACCOUNT CLOSED AT CREDIT GRANTORS REQUEST

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 2018-12-04
Company: JPMORGAN CHASE & CO.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have spent countless hours on the phone, and emails, and tweets, and no one can seem to help me - I just get " sorry, we don't know, we'll let you know if anything changes '' - I am out of ideas, so I am trying the CFPB. I pay $ XXXX/year fee for my Sapphire Reserve card. This allows me a 1.5x redeem multiplier on travel. I have nearly XXXX points I wished to use for travel in XX/XX/XXXX ( ~ {$3000.00} in travel rewards ). I try to be very cordial on the phone, but I am at my wits end. This is easily the worst customer support situation I have ever encountered in my life. I have attached a detailed summary of interactions with dates/times/events which I have been compiling in the zip file, it is titled events.txt

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: U.S. BANCORP
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Nothing! I had a card with Elan financial but defaulted because of my XXXX treatments. I told them this would happen in advance, they just didnt care. 
So I went to autopay. 
Upon default it went to their collection department where they decided that I owed almost XXXX when I had less than {$1200.00}. I sent a letter and proof of payments indicating that I had {$1200.00} left on the debt maybe slightly more depending on interest, and that I would pay up to {$1400.00} when I am back at work to account for any interest. 
they said they accounted for my payments but I still owe {$3700.00} ( as if I had sent no payments since XXXX ). 
I paid with autopay but had some ( not all ) of the confirmation numbers.. for ever payment up to XX/XX/XXXX when I was unable to work due to my XXXX treatments. 
I asked them for proof of the extra debt, and have since only sent payment demand letters, and one page of paper with the amount of money {$3700.00} printed on it, oh and until XX/XX/XXXX would call every 3 days to demand money. Recently I received 2 letters saying they will settle the debt for {$1500.00} if I paid in a lump sum, which is still more than what I owe and I cant afford anyway This has to be illegal the way they are treating me,

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 2022-07-05
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:
I've never even tried to apply for any credit cards and they pulled my credit for no reason. Also apparently they ran my credit at a dealership when I was never even trying to buy a car. 

These are the account names : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: AL
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:
Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer is one of many violations for XXXX, Equifax, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
Hi thank you for allowing me to voice issues I am having with my credit report. Looking over my report there are negative accounts with no company name listed and other accounts with a name not known to me or anyone I know. The credit reporting agencies are listing random information on my credit file and care nothing about the accuracy. 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer is one of many violations for XXXX, XXXX, and Transunion.

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 2017-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am in a short-sale with Bank of America. It mislead me, then lied to me, and now refuses to honor its word. I was approved for the short-sale Im in in early XX/XX/XXXX. BOA states " Further research shows that on XX/XX/2016, we initiated a short sale review. This particular program does not require an offer for the sale of the property be submitted at the time of application. As of that date an offer had not been received. On XX/XX/2016, you contacted us and informed us that you had XXXX prospective offers. You were advised that we would close the review and reopen a new review to accommodate the offers. '' That does not make sense. Why close the current program if an offer for sale does not need to be submitted in the application per BOA compliance person XXXX? This is what BOA used to start swindling me out of the $ XXXX relocation assistance, which is now has down to {$2500.00}. Then, I was told things by the multiple representatives that certain things were the case AND notated, yet compliance found none of those notes. This is the result of a previous investigation by the CFPB.

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 2022-03-18
Company: EQUIFAX, INC.
State: NC
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 am making my formal complaint bring light to the violations the three credit reporting agencies continue rack up dealing with the accuracy of my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1681a ( e ) Validation of Debts the law clearly states validation comes directly from me, interviews with my neighbors, family, and friends. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Wells Fargo took my payment of {$1100.00} from my XXXX account which is more than the payoff amount for the principal for my mortgage. ( {$1000.00} ) which I received in the mail after the eft had already been completed on XX/XX/2017. The money is gone from the XXXX account, but Wells Fargo has the payment listed as 'unapplied '. 
Why did n't wells Fargo just pay off the principal with the escrow balance of {$1700.00} and send me a check for the balance they owe me, and the closed mortgage paperwork? This is being done BEFORE THE MATURITY DATE OF XX/XX/2017. 
WELLS FARGO NOW OWES ME THE ENTIRE ESCROW BALANCE PLUS THE DIFFERENCE BETWEEN THE AMOUNT THEY TOOK ( {$1100.00} ) MINUS THE PAYOFF ( {$1000.00} ) FOR A TOTAL OWED TO ME OF {$1800.00}.

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 2022-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
The credit bureaus whom aren't bureaus at all have falsely listed the wrong accounts and statuses to accounts on my credit file. XXXX, Transunion, and XXXX are companies not bureaus and they have no rights but I do. No consent or permission was given to allow them to furnish any of the information they have listed on my credit file and I want it all corrected. To prove they have no rights and I the consumer require that they follow the consumer laws under 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer or be prepared to pay for every violation I can find under Title XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
I reported fraudulent charges on my account in Early XX/XX/XXXX. I received notice on XX/XX/XXXX that Capital One denied me credit for those charges. I put in another request the same day ( XX/XX/XXXX ) and they said it would take 10 days. It is now XX/XX/XXXX and I still have not gotten any resolution to this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
These accounts/inquiries are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these requests whatsoever. Please remove these alleged inquiries as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent inquiries. Please delete these alleged inquiries as they are causing a substantial amount of harm and inconvenience to me as consumer.

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 2017-03-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Navient has over billed my account on student loans. I have been paying since XX/XX/2006. They have collected from me years that was incorrectly applied and/or overcharged my for late fees.

Company response to consumer: Closed with explanation