BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-04
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
What has happened over the last few years is when I request a copy of my free annual report from transunion they tell me the information they have on file for me does n't match what I have just given them. Then they request copies of sensitive information from me via mail. Not gon na do that. The letter I received from transunion for this year 's request says the address does n't match what they have on file so I need to send them proof of address. Please note i have lived at current address for over XXXX years. Is it legal for them to ask for proof address. In the letter it says i can go on line and request to view it there. So I logged on to there website and tried to view it by answering XXXX questions. My answers did n't match. So I was given a file number. Same number that was in the letter. And a phone number to call. This leads to the second problem, the first name on the letter is XXXX my first name is XXXX. I answered the XXXX question security thing for XXXX of the other credit reporting agencies and I recognized the answers right away. Not the ones from transition. So I have some serious concerns about what 's on my credit report from them. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Transunion had a computer glitch that caused all of the inquires on my credit report to be deleted, and my credit score increased. The very next week, all of the inquires were reinserted to my credit report without prior written notification in direct violation of Sec 611 of the Fair Reporting Credit Act. I am requesting that the reinserted inquires be permanently removed from my credit repot.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I was approved for an account with Simple. In order to fund my new account I would have to link an external account. Once I verified my external account I proceeded to deposit {$2500.00} into my Simple account. A few days later I was locked out of my account because they needed more verification. I sent in all requested material including XXXX bank statements. Days later I received another message saying they would n't accept my bank statements. After going around in circles with my other bank I requested to have my Simple account closed due to the fact that they would not accept my external bank statement. Simple informed me that for some reason they could not return my money or close the account. I put my trust into a company who had excellent reviews only to get denied access to my hard earned money. I 'm only requesting that my funds be returned to me with no further issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I believe a business bank account has been opened in my name using my social security number # XXXX or my tax id number associated with my social security number " XXXX XXXX XXXX '' XXXX. My mother XXXX XXXX and Brother XXXX XXXX have used my tax id numbers to open bank account without my knowledge. Can you please close any account related to my social security number or tax id number and send all closing balances to my current address

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been contacting ASC ( Wells Fargo ) regarding a modification of my mortgage. Before I could provide proof of a change in my circumstance since my last review, they advised me that a new rule, which was implemented after I started this process, states that no modification would be considered on a loan that is in arrears for 3 years or more and had been offered a modification in the past. I was first told that this was an investor rule, then I was told that the rule was a CFPB rule. When I called CFPB, they said they have not heard of such a rule and that it was not a CFPB rule. ASC keeps giving me the run around and have not been able to confirm who 's rule it is. I left several messages for the person assigned to my case in the escalation department and have not received a call back regarding this question. The re-entry department died me without reviewing my change in circumstance but I keep getting letters that my file has been assigned to a Home Preservation Specialist, who keeps sending me financial worksheets to fill out, which is totally confusing me, why would they send it if they say I 've been denied. Every time I call to speak to the Home Preservation Specialist, the call center says they ca n't transfer me because I have to speak to the re-entry department first. I am frustrated and confused and just need consistent answers from someone who actually knows what they 're talking about. Please Help!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, 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 BEEN A VICTIM OF IDENTITY THEFT THERE ARE A FEW ACCOUNTS ON MY REPORT TARGET WAYFAIR AND XXXX XXXX THESE ACCOUNTS DONT BELONG TO ME. I HAVE MADE SEVERAL ATTEMPTS TO THE CREDIT BUREAUS THAT ARE REPORTING TO VERIFY INFORMATION THAT IS CLEARLY INACCURATE. THESE ACCOUNTS ARE REPORTING INCORRECTLY WITHIN ALL XXXX XXXX IF INACCURATE INFORMATION IS BEING REPORTING IT IS GROUNDS FOR REMOVAL. I HAVE SUPPLIED POLICE REPORTS AFFIDAVITS AND TRYING TO HAVE THESE ACCOUNTS REMOVED THEY ARE GOING AGAINST OUR CONSUMER RIGHTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Affirm Holdings, Inc
State: OR
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:
Affirm is a lending company that issued a loan for a motorized scooter to someone that was impersonating me. The loan was given to someone that had my SS # and had an old name before I was married, over 10 years ago and an old address that I have not lived at for over 14 years. It appears they didn't do a credit check or verify any information before lending this person $ XXXX. I have been trying to resolve for 2 months now and they told me yesterday that the I am still responsible for the loan. I filed a police report and re-filed my dispute. I do not understand how I can be on the hook for something they should have done. If they would have pulled credit they would see I have my credit frozen so when someone tries to get a credit card, loan w/ my ss # I am alerted and then can verify or decline the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: SYNCHRONY FINANCIAL
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:
In accordance with the Fair Credit Reporting Act, the company listed has violated my federally protected consumer rights to privacy. 

SYNCHRONY FINANCIAL, XX/XX/2022.

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 2023-03-30
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
In XXXX of XXXX I purchased earrings for my daughter 's XXXX birthday from a Macy 's department store in XXXX, Oklahoma. When I did not receive a bill from Macy 's I sent them a check on XX/XX/XXXX for the entire purchase price of {$170.00} which they received and deposited three days later on XX/XX/XXXX. I have copies front and back of the check proving Macy 's received the check and deposited it. They never credited my account. I spent literally hours on the telephone with Macy 's explaining and providing copies of the cashed check. They would not listen but turned the account over for collection to XXXX XXXX XXXX XXXX based in XXXX, Florida. I again spent hours on the phone with different representatives of XXXX XXXX and sent them copies of the cancelled check front and back with no success. Throughout the process Macy 's continued to add interest and late fees. Eventually negative information was shared with all three credit bureaus and my credit was and continues to be severely damaged. I filed a dispute of the negative information from Macy 's with XXXX on XX/XX/XXXX but never received a response from XXXX. I spent nearly an hour on the phone with XXXX today with no benefit other than being cut off after speaking with two representatives. I am am retired XXXX XXXX XXXX XXXX XXXX XXXX. It was never a question of my ability to pay. I paid on time and in full though I had not yet received a bill from Macy 's. Though I live out of the country my credit is important to me. I need to get this travesty straightened out and will do whatever I need to do towards that goal. My email is XXXX. My telephone is XXXX XXXX XXXX. Thank you in advance for your time and attention.

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 2017-02-03
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
My son attended XXXX University XXXX I was remarried to a man who was not helping me pay for my son 's college. But the financial aid department ignored my letter stating this fact and included his income in determining my son 's financial aid my son took some loans in his own name and I unfortunately took Parent Plus Loans. This being said my son went to XXXX school and took loans for that too so therefore he can not help me. When Navient had my loans at XXXX at a good interest rate of 2.5 % XXXX at the horrible rate of 8.5 % when I told them I could not afford the payments of over one thousand dollars a month for these loans they suggested forebearance and of course interest accrued on these loans. When I came off forebearance I consolidated the XXXX loans at 8.5 % the first year the put me in a pay as you earn payment plan to be revisited each year with that plan the loan were affordable. When it was year two I had to send my tax returns in and my payment went up drastically when I called for an explanation I was told they made a mistake the previous year that Parent Plus loans do not qualify for Pay as You Earn Repayment Plans only Income Based Repayment Plans. They said based on my Tax return I could afford the payment ... ..they do n't consider all my bills. I have already been in debt management after divorcing the man who ruined me financially. My first husband died at a very young age leaving me to raise my son and my XXXX daughter alone. That is why I went for the loans to give my son the best education I could, not realizing what those loans were actually going to do to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Columbia Debt Recovery is trying to collect a debt that does not belong to me, the information they provided me is that it is a fee charged by an apartment complex to verify housing application. I do not live in XXXX XXXX and have never lived in XXXX XXXX. 

When I spoke to request information, the company suggested that I need pay the debt because no one was going to be able to help me with that debt. I consider it a method of extortion and harassment on the part of the Collector, they did not even have my information on where to collect the debt from me, until the moment I contacted them, they began to send me emails with the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card
Issue: Convenience checks

Complaint:
Bank of America sent me information regarding using a convenience check but made no mention that these checks were subject to a verification process that could result in their cancellation without timely notification, and that my verification of the transaction would still yield a cancellation of the transaction. 

BoA called me asking to verify the transaction which I did over the phone to a customer service representative. I found out later that although I verified the transaction, the transaction still was cancelled by BoA. I was told that the reason for cancelling the transaction was that the my verification occurred hours after the call was initially placed to me, and that the department that needed to verify the transaction was closed, and that the BoA representative I called back to verify the transaction could not contact the necessary office ( it was closed ). I was also told that because I had no signature on file with BoA, they could not verify my transaction and, ultimately, that is why they cancelled my transaction. 

Bank of America then sent me a letter verifying the cancellation with no mention of why this cancellation was occurring. The letter contained a phone number to customer service who explained to me that they had no way of understanding my issue and gave me another number to call which I did. The other number said that they were not the right department and I was transferred to another department I was finally given another number to call. 

BoA is not being transparent with consumers in regards to how they verify transactions and lure customers to use products without being forthcoming regarding the necessity of signature files etc. to verify transactions. BoA is also not forthcoming regarding how to resolve issues with customers as they gave me a number to call that was unable to give me any information and I was explicitly told by the BoA representatives that although I was given their number to call, that they had no information on my case. 

Customer Service Representative XXXX said she was going into file a complaint on my behalf with Bank of America and a letter will be sent to me from BoA.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Bank of America was supposed to modify my mortgage from 6.75 % fixed to the current rate 4.00 % Fixed. I was told to call XXXX, when I did, I was told that my paperwork had been lost.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My name is XXXX XXXX. My complaint is about the property located at XXXX XXXX XXXX XXXX. Loan # XXXX XXXX XXXX. I have made 4 payments to Wells Fargo Home Mortgage. One payment was on : XXXX/XXXX/XXXX for {$860.00} and a second payment was made on XXXX/XXXX/XXXX for {$860.00} another payment made on XXXX/XXXX/XXXX and another payment made on XXXX/XXXX/XXXX .Wells Fargo Home Mortgage has received and deposited all payments but they will not credit the payments to the loan. I have called Wells Fargo Home Mortgage several times and each time they say they are working on applying these payments to my loan. I am not behind on any mortgage payments. Wells Fargo Home Mortgage has sent me a letter stating " Notice Of Intent to Foreclose ". Again I am no payments behind and I have a record of Wells Fargo Home Mortgage receiving payments from my Wells Fargo checking account. I feel Wells Fargo Home Mortgage is attempting to place stress on me and take advantage of me as a senior citizen and foreclose on my property that I have had over 20 years. I feel Wells Fargo is violating XXXX XXXX property rights with deceptive practices with seniors and their home. CFPB your help is very much needed. Wells Fargo Home Mortgage last year stole over {$9300.00} of money from me and my husband stating we owed in Corp Advance Fees. We I asked them to itemized in detail what the Corp Advance Fee of {$9300.00} was for Wells Fargo Home Mortgage refused to give a clear itemized disclosure as if senior citizens are secondary people. I am senior citizen and do n't want to get ripped off again this year from Wells Fargo Home Mortgage. 

Thank you, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Transunion credit bureau has decreased my credit score by a total of XXXX points within the past 2 months on XX/XX/XXXX ( XXXX points ) and XX/XX/XXXX ( XXXX points ) which was unwarranted, without any credible reasoning and/or excessive drop in FICO score with the the intent to negatively impact my financial credibility and over all opportunities with the benefits of lower interest rates. These practices are unlawful, unethical and unfair practices of Transunion credit reporting agency.

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 2016-01-04
Company: Credit Central Holdings, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a call on my cell phone voicemail that stated that person name is XXXX which is the manager she stated that they had gone to court and that if I want to resolve this I could come into the office so they could collect the collateral or if not they would be at my house today with a locksmith in the constable which I felt was uncalled for I know that they can not do this and I feel like they are harassing me in this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I am a member of navy federal credit union and had a checking and savings account with them. They closed my savings account for some odd reason when I had {$5.00} in it to keep it open till I got paid, unfortunately they closed it and now they won't let me open an account till I pay a charged off account which was my checking account. They had no reason to close my savings, I've always had a savings with them and would always deposit cash into my account. Now everywhere I try to open a bank account I get denied instantly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: NJ
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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation