BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-27
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of 2006, We attempted to refinance our home. I was asked to provide check stubs and did so showing my accurate monthly income of {$2500.00} per month. Instead of verifying my income, XXXX  XXXX/Wachovia/Wells Fargo generated an application via their computer system indicating that I was making {$8000.00} per month plus my title was changed from Analyst to Vice President. So without my knowledge, of this fraud, they approved me for a loan that was already illegal to sell to consumers in Illinois ( XXXX mortgage ). Then, they took out a default insurance policy in anticipation of my default. I was also unaware of this policy until I was contacted by XXXX XXXX, advising me of this default policy. They first stated that it was illegal for them to take out a policy without my knowledge. Then they advised me that the bank had put through a claim but was denied because they did not following the federal underwriting guidelines. I also have a letter indicating this from XXXX XXXX XXXX ( the default mortgage insurance company ). One year later, the bank used the same exact application indicating my monthly income of {$8000.00} to open an equity line in the amount of {$35000.00}. Firstly, I am not aware of such equity line. There is no proof of funds distributed. Incidentally, there is no proof of any closing for either loan. We also put in about 6 or more complaints to the Consumer Financial Protection bureau. Each time, they lied about the findings. They denied all allegation, claiming they did nothing wrong when the proof was provided. Even though, I provided a letter from XXXX XXXX, they deny any such policy. They even ignore the fact that the same exact application was used a year apart. The notarys signature is also on a blank piece of paper and is dated 1 day after the loan. The mortgage shows about 6 title companies. I contacted each title company and none have any recollection or information about any closing. They all state that there was no such closing on their books. Also, a recent title search shows that I do not have a mortgage.

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 2022-03-09
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:
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The Experian Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the bureau, as willful negligence and non-compliance with federal statutes. Please CORRECT the account in my Credit Report : XXXX CARD 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 2019-08-06
Company: DISCOVER BANK
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:
I'm currently in a divorce. Sometime back in XXXX I had an alert that my credit had dropped. My score at the time was about 810. Logged into and reviewed my credit cards and noticed a Discover card with a {$20000.00} balance. I called Discover explained my concern. Sure enough the acct was opened by a mail in. Card is in my name but ex is the only authorized user and her cell and email address was listed as contacts. Discover refused to give me the full acct number. They opened a fraud case. Discover does send me the statements. There was a XXXX balance at date of separation. In two months ex charged {$20000.00} out of spite on a card I had no knowledge of. Discover got back to me and said after reviewing, there was a few payments made from a joint checking acct, I also didn't know about this acct either! So because of this loop hole they could not charge fraud. I've called several times, spoke to many reps and basically get a new story each time. I even went to the police attempted to file charges, their hands were tied too. On XX/XX/XXXX I called and spoke to XXXX # XXXX. He informed me that if I made a {$200.00} payment then Discover would re-open the case and then this would be taken off my credit. They have yet to keep their end of the deal. I have the money to pay in full and will but I want my once perfect credit to be restored. I'm a victim of Discover being able to send a mail in request for card, loop hole of payment being made from checking that had my name and a malicious ex. All I'm want is my credit restored to the XXXX it was and Discover can have their money IN FULL!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Tried on several occasions to resolve these accounts that were fraudulently opened and do not belong to me. I have sent validation letters and have received no proofs, original contracts, or signatures stating I am legally responsible and liable for the debts associated with these accounts that were opened fraudulently and illegally. 

Again, I have made several attempts to contest the validity of this information and this has yet to be resolved. 

My next step is legal action if these fraudulent accounts are not removed from my credit profile within 15 days.

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 2022-09-05
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in multiple letters ( give a date that is back dated about 60-90 days ) addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action. 
15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared

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 2017-06-27
Company: Special Financing Company, LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Account number :  XXXX  The  company in question is special financing company and they are ripping me off every dollar I get with outrageous interest and fees.Not only that they have been constantly harassing me with phone calls and letters, they also reached out to my friends on countless occasions. Even to the point that I lost my job and I was borrowing money from people to keep up with their payments. I have tried several times to try and work some kind of reasonable payment agreements with them but they are  XXXX  bent on extorting me to dryness. I do n't know what else to do but to go through this medium because it seems like the loan keeps increasing instead of reducing. I am tired of living in debt to fulfill their outrageous monthly obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: EQUIFAX, INC.
State: VA
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:
I have someone who stole my identity, I am a XXXX woman who ca n't even get out of bed, and she have applied for things on my credit that is ruining my life, She has just been took in in custody as of X/XX/17 ... I have just had inquirys removed due to fruad and they have either came back or she have applied for fruad lent things in my name please help and remove these from my credit report ... Im in need of big help I have a fruad alert on my credit report and that did not help they still appeared

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit line with  XXXX   XXXX  that unfortunately slipped into collections in  XXXX . In late  XXXX , I was contacted by their collection agent,  XXXX   XXXX , about this debt. I agreed to settle my outstanding balance, and that payment was finalized in late  XXXX . Now,  XXXX   XXXX  refuses to update my account as paid on my credit report. They are still reporting to the credit bureaus that I owe them {$1800.00}, when in fact, I have settled this balance in full. I have even disputed this account with the credit bureaus, but  XXXX   XXXX  continues to tell the credit bureaus that I still owe them {$1800.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-23
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
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 these accounts that are not mine and i want them to be removed.

1. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft CHILD SUPPORT ENFORCEM Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Im unable to make a payment or unable to submit my payment. I was told I had a late payment and they trying to avoid foreclosure and help Im not struggling to make a payment and I never miss any payments. They were transferring to contact the team unable to reach them. The branch bank manager are not able to fix the problem, the agents are unable to fix too. I was discriminated and threatened because of my previous complaints. Im still making my payment and due to Covid the offer me 6 months deferral and they are using that to attack consumers ( me ). I would like to remove my deferral amount 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 non-monetary relief
Consumer complaint received 2019-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are a few accounts listed on my credit report that I don't recognize, have a contract with or know who they are. Please delete them from my credit reports. Thank you.

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 2022-08-05
Company: PNC Bank N.A.
State: OR
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
To whom it may concern I write to you this letter in hope to receive mercy with the situation we are in. I've been a XXXX XXXX XXXX since XXXX. We specialize in XXXX XXXX and XXXX of XXXX XXXX. We are a XXXX XXXX XXXX and we take responsibility and pride for the work we do and how we treat our clients and business partners. 
In the year XXXX we made a wrong move by using our home equity funds to attempt to save the XXXX XXXX that was suffering from lack of finance, directly associated with the economic crash. 
We were trying to stay afloat and borrowed for business expenses associated with investments that eventually were all lost due to the market crash and recession that followed. 
Unfortunately XXXX XXXX XXXX XXXX to short sales and in regards to the equity line that was used for them, I was qualified for Obamas XXXX XXXX and as a result my equity loan with XXXX XXXX Bank account # XXXX was charged off in XXXX of XXXX The times were extremely hard, everything we worked so hard for was gone. We were struggling to XXXX day by day, devastated to be left with very little workflow and lots of bills. At that time my sister-in-laws family with their three children moved in with us for nearly three years, we were supporting each other in the devastating times for XXXX XXXX 
I was under the impression that the second loan was dismissed along with short sales and other losses we suffered. I was advised by the firm that was helping us through the crisis, that the government had a rescue plan for the XXXX crash, and we qualified for the benefit. 
For the next 13 years I believed in good faith that it was exactly that, I didnt see the loan any longer in my credit report, believing that in fact it was charged off. 
Recently, I received communication from XXXX, XXXX XXXX with an account # XXXX, After reaching out for advice to my financial consultant and XXXX associate, I came to a realization that the loan hasnt vanished, but instead, it has doubled in the amount and that now Im at risk to XXXX my home. Im investigating to see what happened and why the loan we were told got dismissed in reality is still pending. As I am searching for answers and trying to retain my home, XXXX is not accepting my offer to remove the lien of my property. Instead, they are asking for unmanageable amount as down payment and repayment of the loan that was charged of by government assistance in XXXX. 
As of today, the mortgage payment I have is already above 50 % of our family income and in good faith I will not be able to pull another loan. 
Im investigating the cause of failed loan forbearance, and unfortunately not getting anywhere. Please help me to figure out the best option to XXXX my home.

Im considering filing for bankruptcy at this time.

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27
Company: TD BANK US HOLDING COMPANY
State: VT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Hello, As of today I have been charged a total of {$170.00} in bank fees which {$100.00} has been reversed, TD bank pick and chooses when to post a transaction ( they 'll leave it pending for several of day s ) hold  deposits and charge fees instead of processing the deposit and when your deposit clears, they have charged fees so that your money is gone. This is unfair and illegal and something must be done!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-05
Company: EQUIFAX, INC.
State: WA
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 noticed a late payment being reported on my consumer account : XXXX XXXX XXXX XXXX according to 15 U.S. Code 1681a A consumer report does not include report containing information solely as to transactions or experiences between the consumer and the person making the report late payments are my consumer transactions and experiences reporting this is a clear violation of the FAIR CREDIT REPORTING ACT. Update the payment history to current for XX/XX/XXXX and remove all late payments on the XXXX XXXX XXXX XXXX, date opened is XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-09
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I received a XXXX $ payment through XXXX from a tenant on XX/XX/2022 to my Truist Bank Account. ( Formerly Suntrust Bank ). 
The payment was received by the bank and shows in the online banking with a confirmation number, however, the bank failed to deposit the funds into my account. ( I am attaching to this request the screenshot of the online banking showing the payment with status completed and therefore proof that the bank received the funds and a reference number ) I have been a loyal Suntrust Customer for years and never had any issues with Suntrust Bank, but this month they merged with another bank and changed the name to Truist. 

After waiting on hold hours at a time I was finally able to get in touch with their customer service. 

They indicated that I needed to contact XXXX and when I called XXXX they told me that I needed to call the bank. So both the Bank and XXXX elude the responsability. 

Neither of them XXXX or the bank have taken responsability or given me any explanation. I demanded an investigation at the bank as to where are my funds. 

I reserve the right to go to small claims court to recover the missing funds and remedies for the time and effort this situation has caused me.

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 2022-09-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
On XX/XX/XXXX I received a robo-signed letter with another legally invalid [ fraudulent ] " Payoff Statement '' which again lacks any names of my alleged " creditor '' ; or any names of any employees of my alleged " creditor '' who was authorized to prepare this Statement ; and who actually prepared this Statement or who will receive my money This Statement must be updated according to the law. I DEMAND THE NAMES AND CONTACT INFORMATION FOR EVERY INDIVIDUAL EMPLOYEE WHO PREPARED THIS PAYOFF STATEMENT AND WHO WILL RECEIVE AND PROCESS MY MONEY. 

I want to make another good faith attempt to resolve this situation and make a payment to my alleged Creditor- if it exists and owns the account receivable for my alleged " loan '' which I want to repay. 

I offer to drop all of my inquiries and challenges and make a FULL PAYMENT ( by personally delivering my money in certified check to the authorized employee of my alleged Creditor ) if an officer of any business entity warrants ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account. 

This requests is based on XX/XX/XXXX official admission that my money are actually collected by XXXX XXXX XXXX XXXX - while another company -PennyMac- XXXX to be a " Servicer '' who does not perform any Servicing functions that so ever, since the billing statements and correspondence is sent to me by XXXX, XXXX XXXX 

I do not know who received my money since XXXX has no records about any of my " transactions '' with XXXX, XXXX or XXXX ( since it was none of them ) and XXXX XXXX  who suppose to get my money ) deny its involvement. See attached. 

During all time in question all my money were deposited by XXXX on XXXX XXXX XXXXXXXX 's account - whose owner is unknown to me. PennyMac was not even mentioned in these transactions at all. 

Now I am directed either to wire my $ XXXX to XXXX XXXX XXXX - whose " home lending executive team '' can not confirm that this account is owned by PennyMac ; while XXXX XXXX once again confirmed that they have no records about any payments made on my behalf in XXXX by XXXX or XXXXXXXX XXXX or anyone else. 

Moreover, XXXX XXXX is now asking ME to provide them evidence of payment on my behalf! 

Bear to repeat, XXXX has no records about this transaction at all- since here was no transaction. 
I repeat my request : I will make a FULL PAYMENT, by delivering my money in person to the authorized employee of my alleged Creditor if an officer of ANY business entity warrants ownership of an unpaid loan account due from me and acknowledges the agency of the designated servicer to administer, collect and enforce said account. 

Best regards XXXX XXXX

Company response to consumer: Closed with explanation