BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-22
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a Wells Fargo mortgage modification package which is not in line with what I agreed to verbally with XXXX of Wells Fargo " home preservation specialists. '' I have already filed a complaint with CFPB ( complaint number XXXX ) because I did not feel comfortable with the vagueness of the Bank 's statements, but the complaint was closed because they provided a convenient generic response and I had no way of knowing whether or not they would act in bad faith. Instead of providing me with a fixed-rate loan, they sent me documentation for a new predatory loan ( adjustable-rate baloon ), not unlike the one I was lured into in the first place ( please see attached, specifically page XXXX ). The Bank seems to be setting us up to fail again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have a checking account with Bank of America. On XX/XX/XXXX three fraudulent transaction were done on my account through XXXX. It was detected by bank and I got a call from an employee about the suspicious transactions. I informed the bank employee that these transactions were not done by me. 

Bank stopped the third transaction but first two transactions worth {$990.00} and {$990.00} went through. 

I immediately filed a Fraud claim with Bank but it was rejected giving the reason that bank had sent confirmation codes on my mobile ( which I had not seen as I was not accessing my phone on that Saturday morning ) Below is a summary of events : XX/XX/XXXX XXXX 1. Three transactions done by Unauthorized person through XXXX worth XXXX XXXX, XXXX, {$880.00} 2. Bank representative informed me of these transactions and I told to stop the transactions immediately 3. I filed a fraud claim within 30-40 mins and was told that first two transactions have gone through and last one was stopped. 

XX/XX/2020 Bank sent a letter stating that claim has been rejected. When I contacted customer care, I was told to bring evidence that my phone was hacked -- I contacted XXXX and was told that my device ( phone ) doesn't have any malware etc. 

I contacted my home internet provider and again there was no such evidence My mobile operator ( XXXX   XXXX XXXX mentioned that they cant provide me any information on any suspicious activity on my mobile no. 

My argument is that I dont know the entity/perdson to whom money was transferred and if it was done with my consent i would not have stopped the third transaction, which was again towards the same entity/person

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
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
upon calling both bureaus I was told i couldnt be verified and they wouldnt remove anything on my credit report despite the both of us viewing my credit report at the same time, i never gave consent to them to view, nor will they remove inaccurate info upon me attempting to dispute. I recently reviewed my credit report and noticed some unauthorized inquires on my credit report and under 15 USC 1681 a number 3. You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 a number 4. You did not exercise your grave responsibility, you were unfair, you were partiaI and I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had permission Under 1681 b number 2 & I never instructed you guys to create nor did I consent to this report in the first place. What I am demanding right now is that you guys delete all of these inquiries not attached to an account EQUIFAX - XXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXX XXXX  XXXX Inquiry date XX/XX/2022 XXXX XXXXXXXX XXXX  XXXX Inquiry date XX/XX/2022 GXXXX XXXX XXXX  Inquiry date XX/XX/2022 XXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX - XXXX XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/ XXXX XXXX XXXXXXXX XXXX Inquiry date XX/XX/2022 XXXX  XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXXXXXX XXXX  Inquiry date XX/XX/2022 XXXX Inquiry date XX/XX/2022 XXXX - XXXXXXXX XXXX XXXXXXXX Inquiry date XX/XX/202XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 my house burned down in the XXXX XXXX in California. My insurance company issued a check to cover the house on XXXX, 2015 in my name and Wells Fargo Bank as they are the loan holder. After Calling The wells fargo main number I was told to take the check to my local branch in XXXX on XXXX XXXX, where they would endorse it and I could then pay them off. I made an appointment with the Assistant branch manager XXXX XXXX on XXXX XXXX, 2015. XXXX XXXX while talking to someone advising him over the phone told me I would have to sign the check then they would mail it to their main branch, where it would be processed in 10 to 14 business days. Once it was processed they would deduct the {$52000.00} plus owed to them and send me a check for the balance. I protested and asked if I could pay off the loan now then simply have them sign the XXXX check. They stated they could not do that because once I paid off the loan they would no longer be a signatory on the XXXX check. I told them this was ridicuoous, but I was forces to comply by signing the XXXX check whereby XXXX put it in a large envelope and said it would be sent out right away. And that I should receive a check from them in 10 to 14 business day. Today almost 3 weeks later I called the main Wells Fargo phone number to check on the status of my money. I was told they had not received the check I was talking about. I called XXXX, he stated he remember logging the check out and mailing it. He too checked with the main office, they also told him they still had not received the {$540000.00} check from XXXX endorsed by me. They were claiming the recent holiday must have messed up the mail, they kept saying XX/XX/XXXX but I suppose they meant XX/XX/XXXX, at any rate one holiday would n't slow down the mail for 3 weeks. I have no iddea what Wells Fargo is up to other than possibly complete incompetence, but I '' ve been waiting 3 weeks for this money so I can move on with my life. I would really appreciate any help you can provide.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/2020 I received an updated credit report from XXXX  where I noticed an account that was in collections for {$250.00}. The account was from IC System Inc for a medical service provided by XXXX XXXX. I disputed the account with XXXX  and they told me that IC System has verified my identity and that I would have to contact them to remove the debt. I contacted them, verified my name and date of birth and address. They did not have my address on file correctly and could not match me to an account. I had to give them the account number that was on the XXXX credit report. They let me know I would have to file a police report and send it via mail. I sent it and waited a week, checked back in and they said they didn't receive it and it was nothing they could do. I waited another week and they said they did not receive it and it was nothing they could do. I talked to a manager who shared with me more details about the account with XXXX XXXX and it was an insurance company I had never had/used and she advised me to contact them. After my plea for help with this issue she ultimately told me that it was nothing she could do and that there was no alternative way to send in the police report to guarantee they got it. I was told to just wait.

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 2022-04-13
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
my issue is with Equifax credit reporting agency, they have items on my report that should be deleted. I have had this issue repeatedly with them, there was an item that was on my report fro the company XXXX in which they wanted me to pay them XXXX, which I knew was incorrect and I submitted a court document showing I owed much less and they somehow lost it three times and received on the fourth try. upon reviewing it and plus I gave them thirty days they told me on the phone because the company has my social security number that superseded the court order and the amount was correct. needless to say this item just finally came off my report. I talked to them recently about a XXXX XXXX item on my report that has been on my report for 11 years and that have been removed in 2012, I even called XXXX XXXX and they looked at it and evened agreed with me saying it should have been removed plus the account is closed. Equifax stated which have recorded that they charted on it and it will stay for 7 more years, which I know it is not correct. another issue that bothers me is that negative items are disappearing and my credit score is decreasing, which to me is making no sense. I have not had any new negative items added either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
This afternoon I received in the U.S. Mail a letter from " Equifax '' credit bureau dated " XXXX XXXX, 2016. '' In this letter, under the " Previous Addresses '' section, it continues to falsely state that I lived at : " XXXX XXXX XXXX ; XXXX, California ; XXXX ; Reported XX/XX/2016. '' I have NEVER lived in " XXXX, CA. '' I do n't even know where " XXXX, CA '' is located at. I am the Victim of Identity Theft. I called up " Equifax '' and they still refused to " Delete '' this false Identity Theft " XXXX, CA '' address off my " Equifax '' credit file. I have only lived in " XXXX, California '' for the last 32 consecutive years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
on XX/XX/XXXX XXXX I filed a dispute t items being reprted by a consumer repoting agency. they stalled the process by saying i need to send in more proof of my identy after i had already sent them my up to date stete id and social security card and a resent bill. 

this information is invoilation to 18USC A1 2 a

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
Company: LoanCare, LLC
State: RI
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
LOANCARE unilaterally voided a loan modification blaming the Veterans Administration See attached complaint regarding LOANCARE , LLC Servicing :

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 2021-11-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
company involve is experian they are reporting 3 account with error i have dispute for 2 month ago and they still reporting wrong information this account are the following XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX experian did not enter notice of dispute this is a violation of section 623 of FCRA

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 2020-12-04
Company: Bread Financial Holdings, Inc.
State: CA
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 submitted several disputes, attaching FTC identity theft report to credit reporting agencies, and the creditor will not remove the fraudulent account. Also the CRAs tell me that there is nothing they can do besides follow the creditor response. 

Creditor : comenity bank/ XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Transunion has used a method to share my information called dark patterns

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 2017-05-23
Company: FIFTH THIRD FINANCIAL CORPORATION
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On  XXXX   XXXX  I contacted  two  mortgage companies to refinance my current loan to get a lower rate.  Fifth Third, who is my current company, and another I found on the internet. I thought my current company woul d be a quicker and easier company to deal with.  XXXX   XXXX  told me their closing costs would be less than a new company because I would not need an appraisal etc. My balance due is approx. {$190000.00} and my home is valued in excess of {$850000.00}.  Fifth Third has a copy of my tax assessment showing the value of my home and of course  there is an appraisal on file from the initial loan process. I have not missed payments, my credit is good and I have funds to make monthly payments.   Weeks would pass with no contact fro m Fifth Third rega rding the status of my loan. A list of required documents was mailed to me. I immediately sent the info. Calls went unanswered. I attempted to contact the  manager but he w as not available. Finally a processor,  XXXX   XXXX  contacted me and asked for the same previously requested documents. I sent them again. Then more and more requests for documents came by mail or email. I mailed each requested documment. Some seemed out of line but I did send them. I called  XXXX  and  XXXX  to get status and rarely got through on the phone. I was told around  XXXX   XXXX  all of the documents were received and the loan should go to closing within a few days. Then a few days later I was told I need an appraisal. After the conversation with  XXXX ,  XXXX  said he would speak to the underwriter and I would not need an appraisal. My emails went unanswered. On  XXXX   XXXX  I was told I do need an appraisal.   Finally on  XXXX   XXXX  during the conversation with  XXXX  I told them I do not want to continue to do business with them as they do not seem to be interested in lowering my rate and refinancing.     I am very upset at the runaround I got fro  m Fifth Third and lack of communication. After 82 days they were still asking for documents with no indication of a closing date.
Their unprofessional way of dealing with customers should be noted. I will now start all over again with a reputable company to refinance and be rid of Fifth Third.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Southwest Recovery Services, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I did not know about that collection account southwest recovery. I never receive any phone call or latter. This account is not one of my accounts that may be opened due to identity theft. So I would like to dispute both accounts from all of the credits bureau.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX, in amount of {$7400.00} 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 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information belongs to someone else

Complaint:
I've sent several letters out to XXXX XXXX XXXX  regarding the reporting of inaccurate information reported on my credit report and the impact it has on my ability to help my family. Tracking number numbers : XXXX However, the credit bureaus said they completed the investigation, and everything was 100 % accurate. 

According to the law 15 U.S. Code 1681a - Definitions ; roles of construction. 

The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates, of the consumer, reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to. 

How did they complete this investigation?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Case ID XXXX in reported on my credit as a pending status owed of {$6000.00}. I 've sent documentation showing it was dismissed so that it could be removed from my credit. Each time they replied that it 's accurate not even looking at documented proof that the public record should be removed so I have been turned down twice for mortgage loans because of this inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
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:
The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

1. XXXX XXXX XXXX 2. XXXX XXXX XXXX  3.  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 explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, 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:
The following authorized user accounts I'm demanding to be removed, i have no knowledge of these accounts. 

XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX USA XXXX. XXXX XXXX  XXXX  USA

Company response to consumer: Closed with explanation