BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I received a text last XX/XX/XXXX, from Bank of America asking if I had authorized a transfer for {$3400.00}, I hadnt. Please see below the text : Bank Of America Security : Did you use your debit card ending in XXXX at : XXXX XXXX, {$10.00}, Declined, XXXX XXXX, {$35.00}, XXXX XXXX XXXX, {$3400.00}, XXXX If you recognize this activity, reply YES. 
If not, reply NO. 
STOP to end text I was very busy at work, but was alarmed and answered the phone call immediately after I replied No to the text. The phone number was XXXX from Bank of America. The associate said my accounts had been compromised by fraud and that I needed to transfer the money out by XXXX into another account under my name. He instructed me to login to my BofA account, go to XXXX and create an account. It was all very confusing but I did make the transfers : {$1800.00} from my savings account and {$900.00} from my checking account, a total of {$2700.00}. 
I also received a text immediately before they called, please see below : BofA Security : Did you use your debit card ending in XXXX at : XXXX XXXX XXXX  {$35.00} Declined XX/XX/18? Reply YES or NO. Text STOP to end texts This last text, Ive realized later was from the real Bank of America. It seems to be a charge from a prison, where the criminal called from. 
The XXXX transfers I was induced to make were being processed at the same time with this {$35.00} charge on my account. I can provide a screenshot of the checking account activity with XXXX XXXX transfers and the inmate phone service charge of {$35.00} ( not copying here ) Bank of America should have had better cybersecurity filters. Apparently, it detected the {$35.00} charge, prompting a text, but it never linked to possibly 2 risky XXXX transfers, specially because it was already aware that other customers were victim of the scam previously as I learned later in the news ( see link below to an article of XX/XX/XXXX ) XXXX XXXX XXXXXXXX Im a XXXX XXXX XXXX, recent XXXX from college with a big student loan to repay. My hard earned money from my full time job was stolen from me but Bank of America declined to refund my savings and checking accounts. 
Please help me recover my money from these criminal activities that have been allowed ( covered up? ) by the banks!! It is outrageous they don't protect their clients. 
You are my last resort! 

Thank you!

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 2023-06-07
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We are in the HAF program ( Save the Dream ) through our state. They are currently making our payments for us until XXXX. The last payment they made was in the amount of XXXX on XX/XX/XXXX. This amount was put into a suspended account because it was not the amount of the full payment. On XX/XX/XXXX, this amount was moved to the principal curtailment. We now have {$1800.00} in a prepaid principal account. This amount should not be going towards the principal. These payments are to be going to our monthly payments and should've paid for the month of XXXX. They have not applied these payments to the correct account. I have reached out to them already without any answers. Another payment will be being applied soon and I'm afraid they again will put it in the suspended amount and then into the prepaid principal. 


Your Loan Started XX/XX/2020 Your Loan Ends XX/XX/2050 Prepaid Principal {$1800.00} Suspense Balance {$0.00} Deferred Balance {$0.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Acct # XXXX, XXXX Acct # XXXX, XXXX  Acct XXXX XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX Auto Acct # XXXX, XXXX Acct # 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

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 2023-07-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I never been late with this accounts, and please update it, and I always paid on time that's why this is ridiculous.

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 2023-02-16
Company: NATIONS DIRECT MORTGAGE, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been working with nations direct mortgage for the past XXXX  months. I have had the worst experience. I was advised that I was approved for a modification. And then there was no follow up from anyone, including many managers. When I finally was able to get with someone they stated that I would have to start the modification process all over because their agent submitted the wrong application. This company has no interest in helping clients experiencing any type of hardships, all they care about is collecting XXXX to process your payments. Someone needs to review their procedures and ensure they are following the guidelines properly for FHA loans. They have had XXXX complaints reported to the XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: DE
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 is XXXX XXXX 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 XXXX  XXXX XXXX Account number XXXX Account name XXXX XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX : XXXX XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XX/XX/1968 ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX AV XXXX, FL XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XX/XX/1968 ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.

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 2023-06-07
Company: Westlake Services, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Loan sold or transferred to another company

Complaint:
Purchased my car though XXXX XXXX 11 months ago. The company XXXX XXXX XXXX ) went under without notice to there customers. They sold the loans to Westlake Finance for collections. With the purchase of the auto they offered warranty and roadside assistance and rolled into the total loan. Upon call the warranty company I was informed that XXXX XXXX never forwarded any payments to them and they are not honoring any warranty. Upon calling Westlake Finance I was informed that they are not honoring the warranty and they are not lowering any payments for the warranty. I feel that this was an fraudulent loan transfer and needs to be investigated. Also there should be a stay on any loan payments and any type of repossession from Westlake Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: WELLS FARGO & COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo uploaded a completed research letter to CFPB, letter dated; XX/XX/XXXX, showing the 3 fraudulent accounts I have reported to them since XX/XX/XXXX and who are also reporting on my credit reports ; XXXX, XXXX, XXXX XXXX, XXXX, etc. I have reported the fraud to Wells Fargo by sending a letter to them, dated XX/XX/XXXX, which was sent by XXXX Certified Mail with Return Receipt Requested. They did receive this letter but never responded to it. These account were not opened by me nor authorized and demand they are removed from my credit reports immediately. FTC Identity Theft Report is attached.

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 2023-01-05
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:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX, XXXXXXXX XXXX  XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX  XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from 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 non-monetary relief
Consumer complaint received 2023-01-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX XXXX XXXXXXXX while attempting to buy a replacement truck, I was turned down. The reason was Select Portfolio Services ( SPS ) was showing I was late for XXXX XXXX XXXX in a row. This I had thought was remedied and was to be removed from my credit report. The reason for the XXXX missed payment was XXXX. When the mortgage was originally signed I was allowed to make XXXX XXXX   payments. This in XXXX would make XXXX XXXX payments. SPS becomes the servicing agent for XXXX the now mortgage holder and they do not allow partial or XXXX XXXX payments. 

About XXXXXXXX XXXX XXXXXXXX I missed A payment because of having to stay at home because XXXX XXXX  was sick and then latter in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SPS became relentless calling XXXX times a XXXX well into the XXXX and some as early as XXXX. They used several different phone numbers so I just stopped answering the phone all together. 

There was nothing at the time I could do and they knew it because I called them after I missed the XXXX payment. I took out money from my retirement account to get current with SPS and they agreed to remove the negative remarks. In XXXX I was finally able to purchase a much needed truck. They had removed all the negative remarks. 

In XXXX ( approx ) of XXXX SPS failed to deposit a check for 18 days after they received it. They again marked me late for XXXX. Even though they were sitting on the money. In XXXX they again marked it late because I sent in the XXXX  payment for half of the amount and then the XXXX. Apparently it was less than {$50.00} off the full payment. An honest unintentional mistake because I misread the statement. I got the a very rude Customer Service rep who basically told me it was my fault and I need to make full payments instead of XXXX XXXX payments. I was unaware they again reported this to any credit bureau until later on when I had had enough and wanted to refi the house. Nope EVERYTHING was back on the report. Even the past ones which were removed are back on my credit report. 
SPS engages in deplorable tactics by XXXX  those whom it is hired to serve. Constant phone calls, letters threatening foreclosure, people coming on to my property and taking pictures of the house and vehicles in or around XXXX XXXX. The only reason I can think of for this mean spirited practice and putting everything back on my credit report is XXXX! I can not refi the house when they hold checks for XXXX XXXX then make negative reports to the credit bureaus. Even the Statements they provide are near impossible to determine what is going on. To make it even worse without my consent they stopped mailing statements. I am not a fan of online e-Bills or giving anyone access to my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NC
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 investigated my credit report, I realized that some of the items was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: DISCOVER BANK
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: Account status incorrect

Complaint:
I have had numerous issues with Discover Card over the past two years, including three false charges that I disputed that were kept on the acconunt. The third and most recent one is for {$500.00}. When the charge was present I overpaid the account to cover the charge. I then stopped using the account as I was extremely dissatisfied with the lack of customer service and lack of investigation into my issue. Thus, I am owed this money since I paid the account to keep it current during the dispute. 
I have contested this dispute and provided dozens upon dozens of documents and files with information ; NONE of which were reviewed - my queries were responded to by a chatbox immediately, without sufficient time for a human to read the text or open the documents. I submitted additional information. I have filed complaints before and Discover does NOT return my phone calls as they promise. I have been calling for over half a year at this point and have not gotten a SINGLE phone call back to discuss this issue. Instead, upon my last complaint, Discover closed my account, without refunding me any of the false charges from the past two years - the most notable one of which this {$500.00} that was charged in a scam. The fact that Discover keeps allowing scam charges to appear on accounts and expects people to pay them is straight up theft. Further, Discover reported this incorrectly to the credit bureaus, which now shows up on my report. In 30 years I have never so much as carried an account balance, let alone paid late or missed a payment, hence my perfect credit score - this must be Discover 's attempt to make money off of people they wouldn't otherwise be able to make money from. I am beginning to wonder if Discover is a partner of these scam artists as this is the only way they seem to make money off someone who always pays their bills. Now that my account is closed there is no way to log in or see account info and I am still owed money, yet Discover is inaccurately reporting it as delinquent. AGAIN, I HAVE CALLED AND WRITTEN TO DISCOVER AND CAN NOT GET A SINGLE RESPONSE TO MY CALLS, QUESTIONS, QUERIES, OR COMPLAINTS. The very few times I got someone on the phone after hours of holding they said someone would call me and no one has. They have also given my account information to other users who were removed as authorized users years ago and they claim they were not.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: PNC Bank N.A.
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: Account status incorrect

Complaint:
In accordance with fair credit reporting act XXXX  account # XXXX, has violated my rights. 

Section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-07
Company: M&T BANK CORPORATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I mailed a {$33000.00} business Check from XXXX XXXX XXXX made out to XXXX XXXX. They did not receive the check, lost in the mail, or stolen? This check was cashed on XX/XX/2022 by M & T bank. XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX NY XXXX The forged check was cashed with No account number, the name XXXX was misspelled, the signature is not legible. 
XXXX filed a claim in my behalf, nothing has happened in 9 months, according to M & T it's Pending. I tried to contact M & T myself, they did not return emails or calls. M & T has all the infomation from XXXX, this was sent twice.

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