BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Bank of America opened a savings account in my name without my verification. 
Between the hours of XXXX and XXXX on XXXX I received 3 emails from BofA. 
The first asking for verification of email, which has never been clicked on/verified. 
The second giving me a confirmation number and acknowledging, " We have received your application for the following product ( s ) : Bank of America XXXX XXXX Banking Account '' And the last, " Great news! The following account ( s ) are open : Bank of America XXXX XXXX Banking Account # : XXXX '' I'm well aware of the possibility of outside fraud. Which is why I use a password manager and have a 63 character password for my email, XXXX ( only sms when app is not supported ) and am very aware about online security. 
The issue at large is quite easily, assuming some exceptionally ignorant " bad '' guy who was clever enough to scrape/purchase my ssn # from the " dark '' web was then too incompetent to NOT use my real email address. A large and ridiculous assumption based on the email address being so arbitrary to the account creation process. 
Why would account creation complete without my verification ( first email )? 
Adding a moment of possible coincidence, my brother had had a conversation earlier the SAME day about a small business loan. My name was part of that conversation since I may be purchasing his small business from him. And therefore I would be the one actually applying for the loan. To reinforce, I had had no contact with BofA or account ( s ) previously. Too much coincidence for my taste as well as too easy a mistake for outside fraud. I'm confident the XXXX XXXX, et al., shenanigans are not unique. 
I am currently waiting on the forensics of their investigation, whatever that may be worth. 
Thanks for reading my account ( no pun intended ), have a great day. 
Please find attached 3 .pdfs of the mentioned emails.

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 2022-11-29
Company: Flagstar Bank, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My father who was XXXX XXXX veteran owned a home and passed away 2016 several years ago pre pandemic. I was able to maintain his property until the pandemic. I temporarily lost income due to the pandemic. I was able to resume payments after missing 12 payments. Ive been making my monthly payments ever since. I have been in contact with several representatives staying in contact ensuring Im doing everything in my power to retain my fathers home. Ive had rude representatives who talked over me when Im explaining my situation. They acted as if Ive done something personally to them. They stated I was eligible for a loan modification. For the last two years they have bending me over backwards asking for several documents in which I have provided them all. From death certificates to filling out several paperwork such as online applications. However, they required additional information and that we get the home in our names. Ive done everything they asked me to do and more. The most recent incident they stated they would bring the loan up to good standings if I was able to secured notarized signed documents from me and my siblings by a certain date. They stated we must all sign on the same date at the same time. I advised this was not feasible since we all live in different states. Flagstar advised this is the final document that is needed to bring the loan up to date and stated to just get the necessary documents back to them and they would take care of the loan. I told them I could do this because my siblings birthday was in XXXX and I planned on visiting which I can get everything done. They stated this is the last and final document that is needed before they bring the loan current. Flagstar records all conversations so Im telling the truth. I submitted the notarized documents they asked for in XXXX by the date they requested. I was told thats all I need to do. I called to check the status and was told my loan modification was denied due to having enough income. Tell me how does that make sense. Im XXXX at Flagstar for doing this to me. Ive written several letters and emails expressing my concerns. Im beyond fustrated to hear Flagstar is requesting I do something else. This has to stop at some point. They are literally lying to me. They keep asking for this and that and after two years I need someone to look into to see if this is practical. They are giving me fasle information making me jump through hoops because they can. I understand Im at the mercy of Flagstar and we all have been through a lot but when you have someone who is trying to get back on track it can be a bit daunting. Ive done my part and now someone need to hold Flagstar accountable and bring the loan up to date. 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 2022-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 XXXX XXXX n cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX 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 non-monetary relief
Consumer complaint received 2022-06-27
Company: Southwest Stage Funding
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Cascade Financial Services has continued to report a debt on my credit report that is not mine. I have requested that this information be removed from my credit report and they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27
Company: EQUIFAX, INC.
State: MS
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. XXXX 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 719XXXX has me at a score around 590. That is a huge difference. XXXX 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 XXXX  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 XXXX. 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 XXXX more than 21 times. XXXX 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 XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting and act XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A.states I have rights to privacy.

15 U.S.C 681 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 2023-12-07
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I found the following improper hard inquiries on my credit reports. Specifically, there are duplicate hard inquiries for pre-approved mortgages : XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX Equifax mortgage service XX/XX/XXXX Equifax mortgage service XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX There are duplicate hard inquiries for pre-approved car loans : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX There are unnecessary hard inquiries for pre-approved credit card applications : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I hope this letter finds you well. I am writing to bring to your attention a matter concerning inaccurate information on my Equifax credit report. On XX/XX/XXXX, I contacted Equifax regarding discrepancies in my credit report, and as of today 's date, I have not received a response. The details of the inaccuracies and the required corrections are outlined below : Account : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$990.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 

Account : XXXX XXXX XXXXD Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$1600.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 

Account XXXX XXXX XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$520.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX Account Number : XXXX Date Opened : XX/XX/XXXX High Credit : {$5500.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$350.00} Issue : The account is not mine. Please remove it from my credit report. 

Account : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$200.00} Issue : The account was never late. Please correct this inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-11
Company: FIDELITY CAPITAL 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:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt. in fact therefore exist 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose In Accordance with the fair credit reporting act XXXX  account # XXXX, has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: Dynamic Recovery Solutions, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputes this debt numerous times with XXXX credit bureaus, and also have sent numerous notarized letters to this company, I have never receive a response back, and before I get to the point that I can't no longer dispute on the bureau anymore and contacting this company is very frustrating, they have three addresses listed and I've sent numerous notarized letters to all three addresses to let them know that I am disputing this debt because it does not belongs to me, but I never receive a reply from the company. I don't know this company and I have never done any business with them. I have never receive any letters or email or phone calls from this company that mess up my perfect credit I have been keeping up with over the years with credit cards and loans with their fraud collection, I called the hospital they put cause I have not been there, they said they have nothing on me, try to contact the collection agencies, I have put everything on hold to get this resolves but no action is taking place on this company part to remove this. They need to remove this ASAP. Thank you They also provide two account number, one is XXXX and the other is XXXX, The addresses that I sent to is Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX  XXXX XXXX, SC XXXX Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX phone : ( XXXX ) XXXX Dynamic Recovery Solutions , LLC XXXX XXXX XXXX XXXX, SC XXXX So yes I'm pretty sure they receive the disputes

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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:
TransUnion suddenly decided to temporarily suspend my access to my credit profile, with no explanation other than they were unable to verify my information. After going through their unlock process numerous times, I discovered that inexplicably my profile information was reverted back to a previous state! This is most untimely since Im looking to purchase a car! TransUnion has been mostly unresponsive and their supposed system for resolving these issues- created by TransUnion- are riddled with long wait times and circular processes i.e. you go round and round in their system trying to resolve this. Theres got to be a better way than these three bureaus that have proven to be consumer unfriendly and have propagated misinformation and/or erroneous data at the expense of consumers. Lets fix this already!

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 2022-07-28
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
It has been drawn out into the open that CREDIT BUREAUS are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that CREDIT BUREAUS decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
XX/XX/2022 XXXX XXXX did a Unauthorized credit check that put a hard inquiry on my consumer account. 

I called and emailed them I was told that it would be removed but it's still showing on my report and needs to be deleted ASAP.

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 2022-11-29
Company: WELLS FARGO & COMPANY
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Wells Fargo credit card which has multiple companies set up receive recurring payments from it. It is the policy of Wells Fargo that they delay applying payments they receive toward the credit limit, even though they do credit them towards the balance remaining. Consequently, I have repeatedly exceeded my credit limit and had {$0.00} credit left, even when my balance as shown on their own app was less than half of the limit. For example, this month I initiated a payment of {$8000.00} using the Wells Fargo app on XX/XX/XXXX. This amount was withdrawn from my checking account on XX/XX/XXXX. Since then I have also made payments ( using my checking account 's online banking ) for {$2000.00} and {$1000.00}. All of these payments show up on the Wells Fargo app, which shows the current balance this morning as XXXX XXXX of my credit limit, but my " credit left '' remains at {$0.00} and it is now XXXX XXXX XXXX days after the {$8000.00} was withdrawn from my checking account! 

This policy by Wells Fargo is completely UNACCEPTABLE. I have had much inconvenience and lost money because of it. No other financial institution with which I work takes more than 3 business days to fully credit an ACH payment. I will be switching to another credit card company, but want to warn other consumers to AVOID WELLS FARGO credit cards!

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 2023-11-08
Company: ALLY FINANCIAL INC.
State: NJ
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
MY CD matured on XX/XX/XXXX. I called Ally Bank on XX/XX/XXXX to have them transfer the full amount of the CD to my bank account upon maturity. However, they claim we got disconnected during the telephone call since they didn't give me all their disclosures. 

I called them yesterday - XX/XX/XXXX and now they claim there would be a penalty since it is past the 10 day grace period of maturity. On the 11th day i call them and they say they count the days in the grace period and include the date of maturity in their calculation? 

Please have them send me my money to my bank account from my CD without any penalties!!

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 2023-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting 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:
Provided proof on data breach for identity theft issue with inquiries. 
XXXX Account was opened then immediately closed once I complained. 
XXXX account open tries never happened.

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