BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
WE paid the Loan off according to banking standards and sent three money orders in the amounts of what we owed at the time. 
These are the amounts XXXX, XXXX, XXXX. 
Where did this money go? The bank reps told us they would not accept, cashiers checks, money orders or cash.So we were told to send them via a credit account all money orders to Dept of Treasury in California who deals with Bank Of America. 
We believe they lied and forced us into foreclosure. 
We also got a document from the bank in XXXX-2012 saying all mortgages were paid off from the county recorders office which i followed up with when I got it as I used to work there and was a notary for many banks as well.. 
All mortgages were off the books six moths later in XXXX they appear now under XXXX XXXX .We feel that many people involved committed fraud. 
The banks and their affiliates including the recorders office of The county. 
Which I still have. 
Talked to a rep on the phone a few days ago and they admitted the debt was paid as agreed I have that phone conversation recorded as they recorded mine too.. 
Please help me clear this up, end this or at least meet at the table to come to a final conclusion. 
Also we tried several loan mods with BOA and two short sales which both were rejected. 
XXXX will not allow us to pay our own property taxes or homeowners insurance as they do through escrow. 
I paid the taxes a few times throughout the years sneaking it it in.Have been paying my homeowners as well for more than two years.Still they are charging me for this too. 

I am also having different agencies look into this including my XXXX which was with The XXXX.The IRS as the fraud may cause many errors in what we do n't owe them.The bank may owe them even more as they are reporting something that was paid off as something as a discharge. 
The document I got is from XXXX XXXX The Vice president of BOA at the time showed all mortgages were paid off at the time of XXXX-2012 also notarized by here back notary XXXX XXXX XXXX and sent to my county to record the mortgages as paid. 

To make matter worse we living a black mold filled home all around us and we are trying to prevent others from getting sick I had a firm come out here remove some but there is so much around us .I could only afford so much to get removed. 
Please help in any way you can.

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 2022-03-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of $ XXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in XXXX ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of XXXX, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over XXXX years old, mine is XXXX years ( husband was on bankruptcy ). Debt to income should be over be under XXXX mine is under XXXX. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. XXXX Bank ( also XXXX XXXX ) is the servicing bank for numerous lending institutions, when XXXX XXXX denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the XXXX XXXX XXXX didn't remove and is inactive ), Capital sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is XXXX XXXX  XXXX, I am healthy, active and have all my facilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-14
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
LexisNexis is reporting a bankruptcy on my credit file which is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX, I reached out to XXXX and requested : I request a goodwill removal of the negative ratings on this account due to XXXX. I enrolled in the XXXX XXXX during that time so the account should not have reported late. Please help me as the XXXX late payments are causing a negative affect. 
XXXX  did not respond and the credit bureaus are still reporting the inaccurate information even after submitting proof that the information was inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: Specialized Loan Servicing Holdings LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is with CMC funding who is mh mortgage company, they have no customer service at all ever I have been calling them for months trying to set up auto pay because it's such a hassle to get into their system and pay manually every month. I've tried numerous times to set it up online and everytime the system is down it seems so scammy!

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 2022-07-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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 2015-05-11
Company: CL Holdings LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and this account needs to be removed asap this account is fraudulent and continued attempts to collect is harrasment please help me in getting this resolved.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-20
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:
Consumer adjustment company has violated XXXX laws by reporting collection debt 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 explanation
Consumer complaint received 2017-05-27
Company: Broadway Account Services
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was called on   XX/XX/XXXX  by   XXXX   XXXX   XXXX   who told me they were located in NY. The wanted to collect a debt for the pay day loan institution   XXXX   XXXX   and told me that I was to pay {$1100.00}. I never owed that much, but {$200.00}.   XXXX   XXXX   told me that I could keep it out of court to settle it and gave me the option of paying {$50.00} per month which would bring the total debt to over {$1500.00}. I asked them what the original amount was and they said that they did n't have that information because fees from other collectors had been tact on by   XXXX   XXXX  . I received no mail or email whatsoever from   XXXX   XXXX   XXXX   prior nor after, not even a receipt. I paid it and discovered their accountants company on my bank statement known as Broadway Account Services. I contacted them on   XXXX   XXXX   XXXX   and told them that I suspected fraud with   XXXX   XXXX  . They said they would refund me if something was wrong, and asked me if I was issued a receipt from   XXXX   XXXX  . I said no and a few days later received an email receipt from Broadway Account and a hard copy receipt mailed to me. I tried getting hold of them and they did n't contact me after the second conversation. I contacted   XXXX   XXXX   and the agent   XXXX   XXXX    contacted me by phone. She did n't seem to have any answers to my questions in her first conversation with me as she tried to collect but listed all the info she had on me when she called back. I told her that I was planning to investigate it and call my creditor. I got hold of   XXXX   XXXX   who bought out   XXXX   XXXX  . They said they sold the debt to a collection agency who went out of business in  XX/XX/XXXX . My small debt was 13 years old. They also advised me to contact the BBB, FBI, FTC, and my bank to dispute the amount debited which was {$1100.00}. They told me that pay day loans do n't sue nor charge outrageous fees. I would like a full refund from Broadway Account Services. Even if this is impossible, I hope you can catch the crooks so that others will not issue them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
My aunts car check book and debit card were stolen The bank Of America in XXXX SC. She attempted for 3 days to call the fraud department of BOA without getting through. She was able to finally get someone on the phone on XXXX/XXXX/16. She followed up by filing police reports. A total of XXXX stolen personal checks were deposited into her account on XXXX/XXXX/16. The first withdraw was made in the amount of {$240.00}. Then 2 attempts were made at XXXX XXXX without success however a withdrawel was made at BOA when more money was obtained. My aunt states she never gave her PIN number to anyone ever. We feel like a girl in and out of her home somehow guessed or watched her put the pin numbe. She filed her claims alone A follow up call she was told because the claim Was filed on XX/XX/XXXX she failed to show concern. My aunts completed every thing the fraud department requested her to do. My aunt is XXXX And becomes confused quick she did n't understand exactly what was expected of her and what the BOA was asking her to do. New claims were filed but to lay Shock the Bank of America denied the claims again. My aunt is on a fixed income and she received her XXXX in the amount of XXXX. Over {$600.00}. Of her check was taken by BOA they were no help at the fraud department. No one would reach out and assists her. She asked for supervisor to be contacted. The XXXX supervisors were talking hateful and not helping her. The bank refused to reopen the claims or provide my aunt with any details. The BOA speaks of its XXXX libability on fraud. The bank seemed to be taking advantage of my aunts XXXX and lack of understanding. Her car insurance is about to be cancelled and her car may be taken from her

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 2016-08-29
Company: LOAN TO LEARN
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I had not made a payment since XX/XX/XXXX per all XXXX major Credit Reports. I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX and was discharged on XXXX XXXX, XXXX. The Loan to Learn private student loans were discharged in the bankruptcy ( Loan to Learn never brought an adversary proceeding ) and during the entire time I was in a bankruptcy stay, they kept reporting 120+ days late and attempted to inappropriately collect through law suits in Wisconsin Circuit Court. I have filed multiple disputes with credit agencies and Loan to Learn keeps verifying the debt and re-aging it. The date of first delinquency is XXXX XXXX according to all XXXX credit reports yet Loan to Learn has reset it to XX/XX/XXXX. I am approaching the 7 year exclusion period XX/XX/XXXX yet the debts wo n't be excluded from my report until XXXX XXXX because it was inappropriately re-aged. Also, this is a discharged in Chapter XXXX bankruptcy debt and does n't follow federal student loan guidelines because it is a private loan. I wa n't these XXXX trade lines excluded XX/XX/XXXX or sooner based on the original and correct date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-16
Company: WELLS FARGO & COMPANY
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XXXX has caused me adverse action by telling Wells Fargo Bank and XXXX XXXX bank that I do not have a credit score. XXXX has caused me financial hard through adverse action by reporting inaccurately to these companies. As a result I have been damaged in the amount of {$100000.00} in the form a Wells Fargo loan that I was denied for and a XXXX XXXX worth {$60000.00} that I was denied. This was all because XXXX gave the companies inaccurate and unverifiable information.

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 2021-01-19
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:
XXXX XXXX XXXX Balance : {$0.00} - This account has several violations : You are reporting past due balance on a closed account, you are reporting late payments after this account was closed, you are reporting incorrect Balance, You are reporting an incorrect past due amount. These are ALL violation please delete account immediately. 

XXXX  XXXX XXXX Balance : {$500.00} - Creditor agreed to remove this account from my report after payment was made. This account has been paid and it's still on my credit report. 

XXXX  XXXX XXXX Balance : {$460.00} - This account must be deleted immediately due to years of late payments after the account was already closed. There should be no late payments reported after closed. 

XXXX XXXX XXXX Balance : {$790.00} - Balance and payment history is Incorrect please remove immediately. 

XXXX XXXX Balance : {$0.00} - You have not verified this account because I can see the status hasn't been updated, you are still reporting inaccurate information, and no documentation has been provided to me. This account is a violation please delete immediately. 

XXXX XXXX Balance : {$0.00} - This account is indexed as a charged off account, please make sure that you produce a documentation that this is mine. As per the rights given to me by the fair credit billing act if you can not grant these records to me, instantly get rid of this incorrect posting. 

XXXX XXXX Balance : {$2300.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Balance : {$0.00} - This account has not been updated correctly. You are still reporting an incorrect payment history so please delete this. 

XXXX XXXX Balance : {$0.00} - You are reporting inaccurate information as the past due balance is wrong. Update or rather deletes this erroneous account. 

XXXX XXXX Balance : {$0.00} - This account is reporting twice and the original creditor has not reported it as transferred or sold. Please remove. 

Chapter XXXX Bankruptcy XXXX This was filed in my name by someone else and was fraud please remove 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 2022-03-20
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I am XXXX XXXX XXXX recent widow, I applied for credit in the amount of $ XXXX. XXXX XXXX would not approve me, yet they have an account listed on my credit report that says it was still open, this should have been taken off after a bankruptcy in 2014 ( XXXX Yrs. ) ago. I have no credit cards, but pay cash for what I need. My credit reports lists me as excellent in paying on time ( I pay XXXX every month for a mortgage they say I don't have ), I have a paid receipt from the county for property taxes paid by ME on property that is valued at {$250000.00}. They say they will generally approve if you have a credit score of XXXX, my scores are XXXX. The XXXX bank say they will accept bankruptcy if is over 4 years old, mine is XXXX  years ( husband was on bankruptcy ). Debt to income should be over be under XXXX mine is under XXXX. I have paid a car lease and now buying care w/co-signer ' and have never been late on house payment nor the car lease or purchase. Synchrony Bank ( also Care Credit ) is the servicing bank for numerous lending institutions, when Care Credit denied me credit they automatically rolled it over to all participating lenders which guaranteed me a no. Basically, I have assets over {$250000.00}, I have no outstanding credit cards, ( other than the one XXXX XXXX didn't remove and is inactive ), XXXX  sent me a form letter that listed all their products, too many to count, that I was not entitled too. 

At XXXX XXXX XXXX there is no evidence that I will not live to repay my loan. If, unfortunately, can't pay for death or health reasons, I have a house in my name that can have a lein put on, My income is {$3300.00} a month. Other than normal living expenses my one and only obligation is the house {$780.00}. and car {$330.00}. The only thing I don't have control of is my age XXXX, I am healthy, active and have all my facilities.

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 2022-07-14
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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