BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for a loan modification for a loan that I have with Bank of America that I originally was obtained through Bank of America. I started this process in XXXX 2015. I finally was sent to underwriting and was declined ( of course ) on XXXX XXXX, 2015. I filed an appeal on XXXX XXXX, 2015, but only received letters and correspondence stating " We require additional processing time to review your appeal ''. When I contacted the author of the letter today, XXXX XXXX, he told me that it was past the appeal processing time as I had not submitted the supporting documentation. He gave me conflicting information as to was I was denied my modification and the appeal. I was initially told that I made too much money for this modification. Today I was told I did not make enough money. I questioned further and this supposed calculation was without the requested loan modification. He said I did not send in supporting documentation, but I have not been asked to submit supporting documentation. This process has become so convoluted, that each " Home Loan Team member '' does not know what each other has been doing and I believe that Bank of America has been making this process so difficult in order to make it impossible for me to keep my property. I can not get a lower interest rate for this loan and now I have been told that I can not get a loan modification. This loan was originated by Countrywide Home Loans and I believe that this was a predatory loan. I have contacted the funding company, who is Bank XXXX XXXX which this was never disclosed to me XXXX. It appears that Bank of America would rather keep the extra {$500.00} per month that I believe I am entitled to in order to keep my property. This loan was funded before interest rates decreased : 7.12 % and I have been trying for years to refinance and now modify without success and have been given numerous reasons during these processes. I do not want to lose this property and have done everything that I can to keep up on the payments. Please help me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: Experian Information Solutions Inc.
State: GA
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:
Please be advised this is my final request to remove a tax lien on my credit report. I have sent this request and proof numerous times in vain and I intend to pursue litigation if not removed from my credit report as soon as possible. Please see attached proof that it has been cancelled and paid and therefore should be deleted immediately from my credit report because it is affecting me greatly. The reference number is  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 2022-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
After reinvestigation, the information on my credit report is still inaccurate. 
( Date of Last Activity is inaccurate ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX 15 U.S.C. 1681 Section ( 5 ) ( A ) Treatment of inaccurate or unverifiable information If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation.

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 2022-05-15
Company: CRESCO CAPITAL INC.
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Cresco capital  XXXX. XXXX XXXX {$59000.00} Late payment becouse the sold me a truck with many mechanic problem and they no help me with a payment plan and now the reporting XXXX Late payment in my credit report and it is affecting me and my family life XXXX XXXX XXXX XX/XX/2017 XXXX XXXX XXXX XXXX XXXX, ia XXXX Phone XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : WAKEFIELD AND ASSOCIATES # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX  # XXXX, XXXX XXXX XXXX XXXX # XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I had provided proof and documentation that the account shown on my credit report is in accurate youre supposed creditor also provided proof and document stating that I do not owned it and therefore should not be shown on my credit affecting my credit in a negative manner please remove and update the changes to reflect on my credit report immediately. XXXX consumer account must be removed immediately.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01
Company: WELLS FARGO & COMPANY
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Increasing mortgage. No past due payments. Little decreases. 

Mortgage XXXX - $ {$1400.00} due XX/XX/2022 Today is Monday XX/XX/2022 2022

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
CFPB Write up n accordance with the Fair Credit Reporting act XXXX Account # 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 a account without my written instructions Experian, 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 2021-11-20
Company: EQUIFAX, INC.
State: SC
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 provided Equifax with an FTC report and the law clearly states the following : XXXX XXXX Code XXXX ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

Equifax received my FTC report ( attached here along with my full dispute ) and they did not follow the LAW. Equifax is not superior to the UNITED STATES LAW and MUST comply with Code of federal regulation. They made claims to verify the accounts however, under section XXXX ( a ) ( XXXX ) ( A ) they have to provided me with any physical proof, a consumer contract with my signature proving ownership of what they are reporting. Equifax is not doing their job and they are costing me my natural rights to credit. I have included my full dispute along with every violation and punishment available by law if Equifax does not rectify my credit report immediately. I will hold all parties accountable and will seek my full remedy for all violations and hold Equifax and all accomplices criminally liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Pulled my credit report and saw that its showing 20 missed payments for my mortgage company that consist of one late payment inXX/XX/XXXX. 9 30-60 day late payments in XXXX and 10 60-90 day payments in the XXXX. This information is incorrect. That is considered foreclosure there is no way that after 3 years I would still be in the-home with that many missed payments. I currently still reside in the home and since XX/XX/XXXX credit reporting has been accurate. Im requesting validation of late payments/missing payments for those years mention above.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have attempted several times to get my credit report updated on the inaccurate information and remove the account from XXXX consumer as where even the creditor even stated in the attached document stating that I do not owe a debt to that company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CURO Intermediate Holdings
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 've been monitoring my credit report and I noticed that things that supposed to be removed or not removed they 're just replaced back on the credit report even though it has been removed remove means taking off just 3 weeks ago things were supposed to be removed off my account and I still see them then I need an accurate credit report I 'm trying to reestablish credit and I need everybody to report accurately so that I can get this cleared up and move on with my life my credit is important to me and I feel like everybody should report and identify XXXX things just not related to me and remove them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
If I had XXXX word to describe the experience so far, it would be 'horrible. ' While poor customer service is unpleasant, it is not criminal and it is not the reason I am writing you. XXXX XXXX sold our mortgage to Rushmore with the payments to Rushmore starting XXXX XXXX. We received the letter that this was happening on XXXX XXXX. I tried to go online to Rushmore 's website to pay the balance, which was {$97.00} higher than our old payment for some reason, but the website kept erroring out. I then called all the numbers on the document that was sent to us. Each number took me into the same prerecorded loop, which once I got to the payment section would n't tell me how much was due and just wanted my routing and account numbers. I have n't thrown my banking info around willy nilly before, and I am not going to throw it into some poorly automated voice system with exactly XXXX detail as to how much it was going to charge me now. It is a huge frustration to not be able to pay a bill because the company receiving payment has made it nearly impossible to pay them. Finally, I got a hold of someone at the local number for the company, which I found hunting around on the internet ( this number was not listed on the documents they sent us ), and they confirmed that the payment had made it through on the website even though I was never able to make it to the end of the payment pages because of the site crashing. I 'm just thankful it did n't charge me repeatedly for each time it appeared not to work. When I asked why my payment was {$97.00} higher, they had no idea. I, after having read the many reviews on this company, found that the company often creates fraudulent negative net escrow balances. I checked my loan, and there it was, a {$180.00} negative net escrow balance. I have never had a negative net escrow balance on a mortgage until it was sold to Rushmore - and I mean NEVER. Seeing as it is a common problem for loans transferred to Rushmore, there must be something going on there. I 'm asking for your help, not just for myself, but for all the other people being abused by this company. The government allowing companies like this to exist detracts from the trust we all have that you are looking out for your fellow countrymen. Thank you for taking the time to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-19
Company: EQUIFAX, 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:
These are not my accounts, nor did I authorize these inquiries to be pulled from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
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 have contacted XXXX and XXXX XXXX XXXX   several times concerning my inquiries and they have refused to remove the fraudalent inquiries and accounts off of my credit report. This is causing me major financial damage. Also USAA Savings Bank is reporting a fraudalent auto loan in my name. XXXX XXXX XXXX XXXX is also doing the same thing. I have been a victim of identity theft and all of these companies have failed to correct the inaccurate information. XXXX is also reporting collection accounts for student loans. These companies need to be made liable for iaccurate reporting and are violating my federal rights under all of the FCRA 605, 623, AND 611. IF INFORMATION IS NOT CORRECTED MY ATTORNEY HAS NOTIFIED ME WE WILL GO TO FEDERAL COURT FOR SERIOUS COMPENSATION AS WELL AS MY FEES PAID FOR LEGAL SERVICES.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-20
Company: WELLS FARGO & COMPANY
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I set up an online money transfer to my friend from  my Wellsfargo checking  account by using its  XXXX  function. On  XXXX  I got a letter from the bank informing me that " You have canceled a payment to ( my friend name ) ... '' which I never did. I am currently out of the country for business trip until  XXXX , so I had to make  three  international calls today (  XXXX  -  XXXX ,  XXXX ,   XXXX   XXXX   ) talking to  Wellsfargo  customer service and online fraud dept trying to find out what was going on.     I gave them my bank account, SSN, online banking user name and answered couple questions they asked, then I was told based on the information I provided the only way I can do is to go to  a Wellsfargo branch with my picture ID and then call them again. I informed them my situation ( out of the country until   XXXX   ) and ask if any other info such as passport/driver License etc. I can provid e to prove my identity or I can even go to the nearby  US Embassy if needed, however they insisted that the only way they can help me is that I go to a Wellsfargo branc h. I feel frustrated and asked for the info of whoever in charge of the online fraud dept or talk to different dept to solve the problem, however the supervisor (  XXXX ,  XXXX   )  told me their dept is the only one and they already put a notice on my account so even if I talk to any other depts they will transfer me back to online fraud dept, so the only way they can help is, again, go back to  US, find a Wellsfargo branch, show a personal banker my picture ID, and ask that  person to call online fraud dept.     Something wrong here. Understand that   Wellsfargo try to protect customers ' interest, but not no flexibility with rude attitude. If this is Wellsfargo policy, a wrong policy.
I will not stop my critical business trip to go back to US now just f  or a {$1500.00} online transfer. I will just use my account from another bank to do it. Yes, I will still go to a local  Wellsfargo branch after I go back to the States, but what I will do is just cancel all my 4 accounts with Wellsfargo.

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 2016-11-22
Company: LJ Ross Associates
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
L J XXXX is reporting a collection on my credit report. I have never signed and or had an agreement with this company. They opened an account illegally from my understanding. I am willing to work with the XXXX and XXXX as well as the police to get them removed from my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
Company name Transunion XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX fin XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 Called the company to dispute these inquires, i was told to reach out to the credit bureau for removal called Transunion and the rep was unhelpful and refuse to remove the inquires which i did not give consent for my credit to be used.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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: Investigation took more than 30 days

Complaint:
I have tried to fix this issue before! XXXX XXXX XXXX from XXXX XXXX XXXX XXXX Accounts have an ERROR and Im requesting for immediate BLOCK or DELETE information from report. They are at VIOLATION as the data is inaccurate and inconsistent across all XXXX credit bureaus.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: Maximus Education, LLC dba Aidvantage
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX - ( Loan # XXXX ) : XXXX due to claim filed on XXXX XXXX. This loan was XXXX ( XX/XX/2021 ) due to death of my XXXX. I was due a refund Check that was mailed XXXX XXXX XXXX  in the amount of XXXX to my home address. 

On several occasions I contacted XXXX /aidVantage to inquiry about the refund and to see if the check had been mailed. 

On XX/XX/2021 Per XXXX- Representative the Refund check was mailed from the U.S. Dept of Treasury . After several attempts and conversations with XXXX /aidVantage, they told me the check was mail and had no additional information. 
After failed attempts with them I contacted by State - U.S. Representative - XXXX XXXX - Georgia 's XXXX District, speaking with her team, they provide a contact name and number - XXXX XXXX - XXXX XXXX x XXXX with aidVantage- and created a claim number - After contacting aidVantage I was informed the Refund check was cashed on XX/XX/2021 via a " mobile '' deposit to an account with XXXX bank, which I have no account with this bank.. 
Along with contacting aidVantage, I was informed to contact the IRS and XXXX Bank. Both IRS and XXXX Bank referred me back to aidVantage after they could not find the Refund check in their systems by both routing number and account number. Please assist with having the Refund check reissued. Thank you in Advance, XXXX XXXX

Company response to consumer: Closed with explanation