BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-21
Company: PRIMELENDING, A PLAINSCAPITAL COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been working with Mr. XXXX XXXX from Prime Lending in XXXX XXXX Texas on and off for almost a year. I just recently set up an account online with Prime Lending to start my home buying process on XX/XX/2020. In the past 45 days MrXXXX XXXX applied for a mortgage loan WITHOUT my permission on XX/XX/2020 as I simply asked him to run my credit report so we can get an idea of what needs to take place on my end. That caused my score to drop XXXX points after being raised XXXX. I reached out to all three credit bureaus and was told by them after being on hold for more than a hour each time that he, XXXX would have to reach out to them along with Factual Data to have the hard inquiry removed. I called and texted XXXX. He admitted to what he had done and said hes never heard of an inquiry being removed because of the loan officers mistake and said he would fix the issue to get me a home loan. I then received an email from him to set up an account which I did. At this point I am livid as Ive worked really hard to save money and build my credit so that I can buy a home for my son and I! On Friday, XX/XX/2020 I reached out to XXXX because he said there was a dispute on my report and it would take 10-20 days to resolve. It had been 10 days and I wanted to know if there was anymore info he needed from me to assist with the process. Mr. XXXX responded with credit scores that do not belong to me, what I needed to do to bring those scores up and someone elses SSN via text message ... .. I called him immediately as I refused to send my SSN back with correction. He answered the phone calling me by someone elses name as he had our information intertwined. Mind you, I personally know the lady of the SSN that he sent me. I have yet to speak with her about this as Im trying to get my issue resolved. XXXX said the dispute still hadnt been resolved and it would take 21 days which in fact it had as I paid {$29.00} to have my report pulled again to check for myself. He tried to cover himself again, but I can not run the risk of working with him any longer. This may have very been a mistake, 2 too many in fact and I have asked him to close my account with Prime Lending via text message so that I have documentation. I reached out to his Branch Manager on Sunday XX/XX/2020 as I felt it would be best to contact them directly instead of filing a corporate complaint or contacting the XXXX. XXXX XXXX, his manager contacted me back and we spoke on Monday XX/XX/2020. She emailed me a copy of my credit report and stated that I must have authorized the request when in fact there are four pulls on my report from Factual Data. Legally I only only authorized the one. She also stated that she would get in touch with Corporate regarding my request to have the Hard Inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
As an XXXX woman, I was deeply frustrated by the XXXX discrimination that I encountered with the underwriting team at Wells Fargo. On XX/XX/2022, I applied for a mortgage with Wells Fargo. After checking the credit scores, income and assets of both me and my husband, my loan agent XXXX XXXX locked my rate at 3.375 %. XXXX consulted with his manager XXXX XXXX and confirmed that they'll use my husband 's credits for the loan ( my credit is XXXX and my husband is XXXX ) because he is the primary earner. On XX/XX/XXXX, XXXX told me that the underwriter refused to honor the locked rate and increase our rate to 3.75 %. After continuous fighting with the underwriter and after I deposited $ XXXX fund to Wells Fargo, they revised my rates to 3.5 %, which is still higher than the rates that I locked. I was told by XXXX that the underwriter didn't want to approve my loan because rates have gone up so fast that " nobody wants to lose money ''. 

I was contingently approved by Wells Fargo on XX/XX/2022. They asked me to provide sourcing information of XXXX foreign transfers despite of the fact that I don't need the XXXX foreign transfers for down payment. In order to close on time, I provided them with gift letters and bank statements of the foreign accounts despite of the fact the foreign transfers are not part of the transaction. The underwriter wrote in an email that " with funds from XXXX, there is the additional concern of structuring to circumvent international law ''. The accusation with no proof is deeply troubling. The underwriters kept questioning my parents bank statements even though they've received gift letters and 2 month of statements from my parents. Ive confirmed with them multiple times that that I dont need the foreign transfers for the down payment and the fact that I have {$250000.00} with Wells Fargo that can be used for down payment but is not needed. 

My loan agent told me that with our income, credits and down payment, we wont have a problem getting a loan from any other bank other than Wells Fargo. He suggested me to move on to other banks and agreed that the underwriting team is unreasonable with me. With the rising interest rate environment, the 30-year interest rate is north of 5 % instead of 3.75 % that I locked one month ago. In addition to the financial loss, as a new mom, Im emotionally XXXX as a result of the process. My loan agent knew that I was offered better rates by XXXX and XXXX  XXXX XXXX when I shopped rates in early XXXX. I chose Wells Fargo as my lender due to the trust I placed with the bank. However, Wells Fargo failed me because they evaluate loans based on race and sex instead of based on personal qualifications of credit and income.

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 2017-12-06
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/2017 While looking over my recent credit report, I noticed that XXXX XXXX XXXX located at : XXXX XXXX XXXX # XXXX XXXX, NJ XXXX ( XXXX ) XXXX is reporting a collection account on my credit file in the amount of {$91.00}, yet they are not registered with the State of Delaware 's Division of Corporations to collect on a debt in Delaware.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX  's c lient  XXXX   XXXX   XXXX  is an identity theft victim. His information was used without his consent to apply for a SYNCB/Walmart account.  Two formal disputes o f this inquiry have been submitted to SYNCB/Walmart however the inquiry is still being reported to  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 2019-12-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have used bank of America since XX/XX/XXXXfor my financial needs so I'm writing you to explain my problem. 

In XX/XX/XXXX, I was physically and XXXX attacked by an intimate partner. He stole checks from me which he wrote to other people. He and the people he wrote these checks to are now in jail. 
This horrible attack led me to a XXXX diagnosis and an inability to work. 
I had a short term XXXX benefit from XXXX which ran out in XX/XX/XXXX. I have been unable to work although I am employed still using FMLA intermittent leave. This has pushed my income to near zero and I've used personal loans to get through it. 

Regardless What happened these last 2 weekends I could not plan for. a friend of mine using my car ended up being in an accident and he ended up getting arrested, this meant that money that I was supposed to deposit into this bank account had to be utilized for bailing my friend out and fixing my car. this meant that i did not have the time or the ability to contact each of these creditors who were about to pull money out of my bank account in order to stop the pulls from occurring. in 25 years I don't think I've had one bounced check NSF fee that wasn't related to fraud or dispute until now. I believe at this point there are 8 NSF fees in the last week all related to this particular event.I 'm hoping that you can remove more based on my situation especially said some of these {$35.00} fees are for charges of {$8.00} and {$20.00} which is it absurd fee to pay on charge that low. thank you for your consideration and concern.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had my student loan set up as auto pay and within the last 3 months started receiving daily phone calls from Navient that my student loan payment was 1 year past due. The person who I spoke with said that they had allocated the wrong amount of the payment to the XXXX separate loans. They told me that I owed {$360.00} and then the next customer rep told me that I owe {$570.00}. He told me on XX/XX/2017 that there is XXXX loan that is 60 days past due and I needed to pay that now ( {$130.00} ) so it does not affect my credit so I did and then he told me that XXXX of the loans are now 30 days past due and I will have to pay them on Monday XX/XX/2017. I 'm still receiving numerous calls from them at all hours. I just received a call at XXXX and they call me on Sundays. I logged on to my Navient account on- line and it indicates that I only owe {$330.00} for all the loans. I am not getting any correct information and I am very confused as what is happening. Could you please assist me with this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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 previously disputed my collection with XXXX for XXXX XXXX with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted immediately.

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 2022-05-04
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 previously disputed my collection with XXXX for XXXX XXXX  with all 3 beaurus due to fraud. They all responded generically " The creditor validates this account as accurate '' I uploaded my fraud report number so this account can be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In regard to previous complaint number XXXX Remaining balance in letter is still being held by chase bank. I want second tracking number

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: TRANSUNION INTERMEDIATE 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: Account information incorrect

Complaint:
I have contacted XXXX, Transunion, and XXXX regarding the exaggerated drop in my credit score as fraudulent. They continually drop my credit score drastically even if I pay off my balances, and due to the fact that " ONE '' credit card balance is over the limit they disregard other factors of my credit worthiness such as exceptional payment history. Balances are always incorrect by 2-3 months greatly affecting my credit worthiness over and over again. 

They are currently using a formula that fraudulently basis a consumers credit worthiness because of " one '' account over-the-limit, or over 50 % and disregarding monthly paid balances.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was out of work for a few months in XXXX. I contacted Bank of America to inform them of the issue. Still out of work, I chose to use a credit card to make my mortgage payment. After a couple months of doing this and seeing my debt rapidly increase, I stopped using my credit card. I regained full time employment in XX/XX/XXXX. I contacted Bank of America to inform them that although I 've obtained full time employment, I 'm still not capable to make full mortgage payment. I was told that due to my account being delinquent that I was being sent to foreclosure. I constantly tried to work with Bank of America. I involved NACA and Home Owners Assistance programs. I kept receiving information that stated there 's no proof I live in the property. To which, I told the representative that they all are more than welcome to come over for dinner and see differently. This went on for a year. I routinely submitted the necessary documents to prove my case. As of today, XX/XX/XXXX, I 'm about 22,000 behind in my mortgage and I still want my home. Bank of America is not willing to help me retain my home. Instead they either want the XXXX or the home will go to foreclosure. Because I am still getting the threats of foreclosure, I am choosing to save my mortgage payments in the event I am locked out of my home by the time I get back. Not to mention, the home is not worth NEARLY the amount I owe on it. Homes in the area have sold between XXXX and XXXX. I currently owe XXXX. Even if I choose to do a short sale, I 'll still owe more than the home is worth. To proceed with the foreclosure, the home has been appraised at only 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 2018-12-03
Company: Kashable LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I went to kashable.com and filled out my address social security and other personal information and then they blocked me from accessing the remainder of the application. They then emailed me and asked for a copy of my drivers license and social security card and then after I sent it they immediately denied my application before I could finish it by sending me an email telling me that I been denied before I even completed the application.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-25
Company: Westlake Services, LLC
State: NV
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:
Westlake Financial is not reporting the correct payment amounts that are being made monthly. I 'm currently making over { $600.00} a month payments and only receiving {$35.00} a month and credit on all  XXXX  credit bureaus and this is affecting my score. When I spoke to the company rep I was told to take it up with the credit burea us and West Lake financial would not do  anything to correct this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2020-04-21
Company: Experian Information Solutions 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 am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2021-03-24
Company: Syncapay, Inc
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
They buried information about the card expiring, putting it under a section in an email that says " If the link doesn't work ... '' then it lists reasons why ... one of which is it could expire. However, no one would read those steps to do if a link doesn't work ... .until the link doesn't work, at a point in time which the card has already expired. This is just a fraudulent vendor, trying to bury this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-23
Company: EQUIFAX, INC.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hello, I am XXXX XXXX. I repeatedly sent Equifax my proof of identity and proof of birthday yet they continuously report my name incorrectly and my birthday incorrectly. I am not sure who they verified any of this information when I am who this credit file is on and have provided several forms of verification to prove that. Equifax willful noncompliance by continuously reporting inaccurate information shows a violation of federal law. 

I have attached proof of inaccurate information reporting along with proof of identity and birthdate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-04
Company: Experian Information Solutions 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:
After reviewed response of dispute letter I sent via USPS. XXXX XXXX XXXX  on XX/XX/2022 response returned with Inaccuracies and deficiencies ; On XXXX credit file they are listing inaccurate unverified and invalidated listed below accounts. Moreover no consent by me the consumer has been submitted to me showing proof I consent to my private information being shared ; initially I requested XXXX REMOVE personal information that I do not want on my credit report. In accordance with the Fair Credit Reporting act 15 USC 1681. Accounts named : XXXX # XXXX, XXXX.. # XXXX, XXXX. # XXXX, XXXX # XXXX, XXXX.. XXXX XXXX, XXXX .. # XXXX, XXXX.. # XXXX, XXXX # XXXX, XXXX  # XXXX, XXXX # XXXX, all have deficiencies and inaccuracies ; these accounts are and has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 and 15 USC 6802.15 U.S.C 1681 section 602 A. States I have the right to privacy. No financial Institution is not supposed to share my information to the third-party peoples. 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. In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C. I despite all the fore-mentioned accounts and respectfully require XXXX to remove all said accounts.

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 2022-05-04
Company: Experian Information Solutions 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:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX and I am the one filing this complaint, not some company or not any other third party. It's been over 35 days and you are still reporting these items without permission and that is fraud.

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