BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-28
Company: Selene Holdings LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Due to medical and financial hardships and losing work during the pandemic, I fell further behind in my mortgage with my former lender XXXX XXXX I was on a foreberance plan and my first payment after the foreberance was going to be {$2400.00}, due XX/XX/2022. In XX/XX/2022, I began getting strange letters from a company called Selene Finance saying they were now my mortgage company. I received letters from Selene almost weekly with different instructions, information, etc. I called and spoke to a Selene Financial representative and asked for the meaning of the letters I received, I was told this company was now the mortgage company I should pay my mortgage to. them. I was about to make my first payment for XX/XX/2022 to Selene, and then I started receiving letters saying I had to pay {$3300.00} ( approx ) Selene also raised my interest rate, and the principal balance. I tried consistently and over and over again with various representatives sending my agreement/forbearance/modification with XXXX and although all the representatives I spoke to said Selene would honor my work out with XXXX, they did not. Selene told me to apply for a modification with them, and when I did, they came back with again a higher interest rate, higher principle balance and a monthly payment in the amount of {$4200.00}. Selene has not honored my terms with XXXX, I have no explanation as to why, they will not honor my terms from XXXX and how can they change my interest rate? Selene Finance seems like a mortgage company that is not reputable nor do they care about the transferred/sold clients they have in their portfolio. 

Have tried to load supporting documents keep saying file too large.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had a roommate who lived in my home for several years. I was not aware that they illegally acquired my information and over the course of these last several years used my information in an attempt to acquire credit with various credit companies. 
I contacted by phone XXXX and they were very helpful and removed the inquiries in question but then about a month later-reinserted those inquiries without any notification to me whatsoever. I also called Equifax and XXXX and was told that hard inquiries were not allowed to be deleted. That is not an accurate statement and the FTC has provided me with a letter acknowledging that I am the victim of identity fraud. I would like to have any inquiries that I did not personally make and or sign for removed as soon as possible. Since different credit bureaus have different inquiries I would like to have a dispute opened for me with a representative so I can accurately and fairly get my information updated. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/2021 XXXX XXXX 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 2022-04-25
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
Dear credit bureau I am exercising my rights under the Fair credit reporting acts, section 609, to request information regarding an item that is listed on my consumer credit report Account name : XXXX XXXX intern Account number : XXXX  Account name : keys federal credit Account XXXX Account name : XXXX XXXX XXXX Account number XXXX As per section 609 I am entitled the source of information which is the original contact that contains my signature. I have included copies of my license and social security card If information can't be verified I would like to remove information in 30 days thank you XXXX XXXX XX/XX/98

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 2022-06-30
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Truist bank closed my account and refused to mail me a check for my balance on my account which is {$1100.00} dollars Every time I call they keep saying it should have been mailed and hangs up the calls

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 2022-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Someone opened a capital one card in my name and I'm just finding out about it. I have never got or used card .I signed up for a free trial with XXXX  and found out I had capital one card in my name and now I am getting in debt for something that I'm not even using.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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 tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected 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 non-monetary relief
Consumer complaint received 2022-06-30
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
" Seriously delinquent '' and " late payment '' and " 30-90 days '' incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
We received your complaint. Thank you. 
We will review your complaint. Depending on what we find, we will typically : XXXX and LCI violated my consumer rights. i contacted the bankruptcy courts and the clerkon the phone told me that the courts never report to any credit agency, I recieved my consumer report and itsays on my report XXXX furnished my report to the bureas without my instructions and i want it deleted off my consumer report immediately. 15 U.S.C 1681 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH MY INFORMATION WITHOUT MY WRITTEN INSTRUCTIONS TRANSUNION XXXX XXXX US BANKRUPTCY COURT DISMISSED 0 LIABILITY XXXX XXXX  XXXX US BANKRUPTCY COURT DISMISSED 0 LIABILITY XXXX XXXX XXXX XXXX US BKPT CT XXXX DISMISSED 0 LIABILITY XXXX XXXX  XXXX BKPT XXXX XXXX INACCURATE DATES AND XXXX DELETED OFF MY REPORT.DELETE IT IMMEDIATELY. 

View full complaint

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 2022-06-07
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  Account # XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX, Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. States 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 explanation
Consumer complaint received 2022-12-01
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
Previous complaint was filed : XX/XX/XXXX, ID XXXX ORIGINAL COMPLAINT : Reliacard, US Bank Corp XXXX {$13000.00} balance. Account was closed effective XX/XX/XXXX. Reason given in letter XX/XX/XXXX : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/XXXX, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account. 

See US Bank Corp response, including ID verification directions. Attached. 
A photo of my current passport and a selfie was submitted XX/XX/XXXX, per option # 2, e mail, " Complaints .... '' twice. The bank has NOT responded with my funds or Re : adequacy photos. 

Since, I have inquired if the ID photos were acceptable : no response. I DID receive a letter from US Bank saying my " change of address '' had been noted : my address was NOT changed, just more precise destination added to same as on file at least since XXXX. 

In Bank Corp. response " XXXX '' did say at some indefinite time my {$13000.00} would be returned to OHIO? My account originated in Oregon. I just want a check for the above, close the card/account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-30
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
TD BANK USA CLOSED MY ACCOUNT AFTER A FRAUD CLAIM AND REFUSED TO MAIL MY CHECK FOR THE FUNDS IN MY ACCOUNT

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Checking account was open open at Citizens Bank and I did not authorize the opening of this account. I received a correspondence letter From citizen 's bank Stating that I had a overdrawn amount of {$13.00}. But I never opened an account with Citizens Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-01
Company: Financial Data Systems
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
The company name is Financial Data System the debit is a {$36.00} When i ask more infe from where is this debit come from the XXXX a very agresive langiage very rude and threat each time they call I do have all contacts recordet

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2022 at around XXXX I offered my social security number to my family members in order to finance their furniture at the Ashley Home Furniture store in XXXX New Jersey XXXX When giving my personal details to the sales associate XXXX XXXX, I specifically asked her if what I was signing up for was a credit card but she lied to me and said no it was just a reloadable gift card. Today, XX/XX/2022, I received an email stating that my new Ashley Home Furniture credit card was available to use. I reached out to the bank that issued it, Syncrony Bank and immediately canceled it. I reached out to the Ashley Home Furniture store manager and she did not even try to rectify her employees mistake and said that everyone knows that the card is a credit card and not a gift card.

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 2022-12-01
Company: JPMORGAN CHASE & CO.
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: Investigation took more than 30 days

Complaint:
In XXXX  I did a deed a lieu. My first and second had to go together and be treated as one! 
This was all due to the banks falling apart in XXXX Washington Mutual was the original, Chase took it over. I did a loan government modification in XXXX and Chase took over XXXX & XXXX. A few years later I had to stop paying the first but I paid the second. XXXX loan management took the first and Chase kept the second! In XXXX XXXX had me sign a lien release for Chase and XXXX took the house and forgave my dept., Chase was not included in this and I was under the assumption it was because the loan 's went together. In XXXX I modified it they locked it and I could not borrow against it only pay it off. I thought this was all settled in XXXX when I turned the house back and then during covid and in a state of emergency they contacted me in XXXX and told me I owed them the balance due to the fact it was charged off and not discharged. Please note they were not allowed to contact me during covid and they did. They wanted a settlement, I told them we are on lock down and I this was not right. They now have put this on my credit report and I hired a lawyer to help me with no luck. My bank told me to file this complaint because now I am not able to get a new mortgage for a home in XXXX. I have all the paperwork but the original sign off in which I asked for several times and they will not send it to me, XXXX. My house was in XXXX I have more documents as well but it would not let me upload it all. I was told that this is all illegal practices, note that they crossed out the discharge and wrote release.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: NAVY FEDERAL CREDIT UNION
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Account was opened on XX/XX/XXXX Account was closed by issuer ( Navy Federal CU ) XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-30
Company: DISCOVER BANK
State: CA
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:
I was notified buy XXXX that a credit card application was opened without my knowledge. I waited for 45 minutes and transferred three times to have this issued resolved. The account was found to be opened, yet the bank refused to close it immediately. As I am going through restoring my identity theft, I find it imperative to resolve these open accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-21
Company: Affirm Holdings, Inc
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
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:
My phone and wallet were recently stolen at XXXX XXXX while I was traveling from XXXX, XXXX to XXXX, XXXX. I later noticed that there were XXXX orders on my XXXX XXXX account that I did not place. These orders were for a {$200.00} baby playpen and {$860.00} baby chairs that were delivered to someone named XXXX XXXX I don't know, in XXXX, at an address that is not mine. I do not have any children. 
I also noticed charges on my stolen credit card in my card app for payments to Affirm that were used to finance these purchases. 
My stolen phone was hacked into and my XXXX account was accessed, as well as stored personal information such as my Social security number and email which were used to apply for XXXX Affirm loans that were used to finance the purchases. 
I reported to both XXXX and Affirm that these orders are not mine. I sent in an affidavit to Affirm as well as screenshots of the delivery addresses of the unauthorised purchases, explaining that it is not my address as well as information about an Identity theft report I filed with the FTC. 
Affirm sent me multiple emails that I was still being held responsible for the loans taken out to finance the unauthorised purchases with XXXX. I currently live in the XXXX and have no idea who placed these orders on my XXXX XXXX account, nor have I used my XXXX XXXX account to place any orders to the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 XXXX Account # 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 an account without my written instructions.

I reported this account as Fraud to all 3 credit bureaus and Transunion is still reporting this fraudulent account on my report. 

The other bureaus deleted and blocked the account from 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 non-monetary relief
Consumer complaint received 2023-02-15
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
My wife & I purchased our first home from world savings. During our. XXXX yrs of mortgage payments the loan had changed banks 3 times. World savings to XXXX to Wells Fargo. We purchased our home in XXXX with 20 % down that I believed was suppose to eliminate the escrow account created by the banks. When my self-employed business hit a threshold. I applied to refinance but was not allowed. So I then applied for a modification during the foreclosure process my wife & I were told our paperwork documents that were certified mail was lost in the timely processing dual tracking is what I learned was the norm for the banks. I was blessed to get a contract signed to make the payment of 3 months + additional fees. Then XXXX yrs later we fell behind & never did receive a chance for a loan modification knowing what had happened to our first attempt. We were left with no other choice but to file bankruptcy to save our home. Even that process would not allow us to save our home. I asked for our equity back 2 years before any payments were paid. Even had the house sold for XXXX. But could not reach an agreement. My house was foreclosed on on XX/XX/XXXX. XXXX. I had filed a third attempt of XXXX  but was told I was to late.

Company response to consumer: Closed with explanation