BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-26
Company: WELLS FARGO & COMPANY
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:
Back in XX/XX/2020, I deposited a check into my Wells Fargo account, then it comes back counterfeit. I check what's up with the company that wrote me the check and they said it cleared, so I deposit it at Wells Fargo and it comes back counterfeit once again. Wells Fargo says they won't report anything in my XXXX  XXXX  XXXX  that would prevent my from opening an account with XXXX. So I try to open a checking account at XXXX, and they deny me because of " prior unacceptable experience with a financial institution ''. So I look at my XXXX  report and see Wells Fargo reported that my accounts were " closed for cause ''. I deposited this same check at XXXX XXXX and it cleared. I have the paperwork from the XXXX XXXX saying it cleared their account THREE TIMES. The email address linked to my Wells Fargo account is 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 explanation
Consumer complaint received 2016-12-25
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There was an inquiry made on my credit by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX. I called them and alerted them of the fraud. Someone opened up a credit card and made purchases. I want the inquiry removed and I want to prosecute the fraudster.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-30
Company: Santander Consumer USA Holdings Inc.
State: IA
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:
XXXX   XXXX   XXXX    XXXX  balance I have disputed this numerous times with the credit bureaus and their response it that the account belongs to me. That is not what I 'm denying because I paid it off. I have asked them to delete this off my credit report and they are refusing to do it. I would like this taken off my report because there 's no need for it to be there. I no longer has possession of the car. Have n't had possession of the car in over 4 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-28
Company: Experian Information Solutions Inc.
State: AL
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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, KY XXXX ; XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XXXX, AL XXXX ; XXXX XXXX XXXX XXXX, AL XXXX ; XXXX XX/XX/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 2022-05-19
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian, XXXX and XXXX Credit Bureaus 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 creditor, as willful negligence and non-compliance with federal statutes. Please update the following accounts completely from my Credit Reports : XXXX XXXX XXXX Balance : {$260.00}, XXXX XXXX XXXX Balance : {$49.00}, XXXX XXXX XXXX Balance : {$1400.00}, XXXX XXXX Balance : {$3000.00}, XXXX  XXXX Balance : {$13000.00}

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 2017-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On my credit reports from XXXX, XXXX, and XXXX there appears a tradeline that I have been disputing since XX/XX/XXXXwith the CRAs and the furnisher. 

The tradeline is furnished by XXXX XXXX XXXX XXXX XXXX and it lists itself as the lender on an alleged conventional real estate mortgage opened in XX/XX/XXXX. The reference number is XXXX. I did not get a mortgage loan from XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. There is no promissory note, allonge, or endorsement of a promissory note listing either as a lender with me as a borrower. 

The CRAs keep returning verified as the result of the reinvestigations.

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 2022-05-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : 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 2022-05-19
Company: FIDELITY CAPITAL HOLDINGS, INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The company claims its 100 % money back guarantee if the product doesnt work. They refused to give me back my money even thought I went through the proper steps. The lady was rude and unhelpful, refused to put me in touch with anyone. I distributed it with my XXXX  card, it was XXXX to be exact. XXXX granted me back my money. Still not sure how they were able to put it on my credit.

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 2020-08-11
Company: TD BANK US HOLDING COMPANY
State: CA
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:
XXXX XXXX recently settled accounts personal line of credit XXXX XXXXXXXX settled XXXX XXXX XXXX XXXX XXXX settled XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Settled

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: Seterus, Inc.
State: LA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I reporting reporting illegal actions by my mortgage company or service center ( Seterus ). Today is the XX/XX/2015 i paid my mortgage on XX/XX/2015 .My comfirmation # XXXX. My loan number is XXXX. I went to my property on XX/XX/2015 which was a thursday and saw my lawn was cut. I check with my gardener and he admitted that he was coming tomorrow to cut the grass and edge. The problem is that i am not XXXX late or nor am i in foreclosure. My mortgage is current and thought i was late on my paymentit was still done within the month it was due. This does not necessate ( Seterus ) to dictate and have people come on my property and due grass cutting or anything of that nature. The property is not abandon it is under renovation. There is current activity in and out of the building due to repairs an renovation activity. There is no reason for them tpo send someone to my property to grass my grass. I have a gardener to come twice a week to take care of that job. They have no right to do this without justification .The house and its maintance is being care for by me .They have done this before and try to bill me for the service. The point is the grass was not that high to were it did n't show someone was tending to the lawn care and general needs of the property. They need to be notify to cease and desist activity .If they come with applying this to my mortgage this would not be fair and a violation my home owner rights. I appeal to you for assistance to this matter, because i do n't think they do such antics to a home owner that is keeping up with he mortgage payments. Also a reminder to house is not in foreclosure are behind in the mortgage. Will you be able to help stop them doing such activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 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

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 2016-09-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check into my Bank of America Checking account on Wednesday XXXX/XXXX/16. On Monday XXXX/XXXX/16 checks I had written against this deposit were presented for payment and were declined. On XXXX/XXXX/16 I received an email notification from BOA that my account was overdrawn. I examined my account online and saw that there were sufficient funds to cover the checks I had written and more. I have no idea why they would not have paid the checks. Additionally BOA charged me XXXX overdraft penalties of {$35.00} each ; {$70.00} in penalties. I called BOA who told me that they can hold deposits for up to 7 days - it was written right on my deposit slip. WHO READS THE FINE PRINT ON DEPOSIT SLIPS? They agreed to refund XXXX of the penalties but not XXXX. The XXXX refund was apparently out of the kindness of their heart. In today 's banking system checks do not take 7 days to clear, I do not know why they held my deposit for such a long time. Customer service was absolutely no help to 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 monetary relief
Consumer complaint received 2022-05-19
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: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to the 3 Credit Bureaus was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX XXXX, XXXX OF 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 2020-08-11
Company: Union Home Mortgage Corp
State: IN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Union Home Mortgage, actually using XXXX XXXX, IN branch has been delaying my mortgage process without excuses of me turning back the little or almost nothing they had to request me because I gave them more than they needed. I had have to extend contract with seller twice because since XX/XX/2020. The case has been in underwriting department for around a month and still is not going to USDA. I have to deliver my apartment because I did break my lease and paid a high fees for on XX/XX/XXXX, now they changed underwriter because it's known the one was working with the case was not doing it in timely fashion. Where is the ethic and supervision here? Now I am homeless with a minor cause of their irresponsibility. Paying high costs for this game that seems not end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-29
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:
I am a victim of identity theft There has been a breach of my personal information as : Credit card accounts, multiple cell phone accounts, an installment loan, and credit inquiries have been placed on my credit reports and has ruined my reputation with certain businesses. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

Transunion is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft. 

XXXX is reporting information about two XXXX XXXX Accounts that simply not mine and are the result of identity theft.

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 2022-12-23
Company: OneMain Finance Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
In the drop-down selection they did not have the reason why I'm filing the complaint, so I chose whatever was closer to it. In XXXX my father passed away unexpectedly from a XXXX XXXX, and I had to take out a XXXX loan from One Main Financial. They took my XXXX XXXX car title as collateral and approved me for the XXXX loan. The lady who helped me that day went over my loan and my automated payment amounts and I agreed to what she explained to me. The automatic payments started coming out of my bank account in XX/XX/XXXX of XXXX, the amount was larger than I remember the lady telling me it was, but I thought since it had been months that they didn't take any payments they must have doubled the payments up. In XXXX of either XXXX or XXXX ( I cant recall now, and they will not provide me with the paperwork I have requested so I'm not sure ). I received a call from One Main Financial and they offered to refinance my loan. I was struggling financially and had tested positive for XXXX at the time and was staying home from work without pay. so, I agreed based on the information that was originally provided to me back in XX/XX/XXXX. I decided to check the paperwork that was given to me in XXXX of XXXX a couple of weeks ago because my loan doesn't seem to get any smaller. I still owe them XXXX, it has gone down by only a XXXX XXXXXXXX dollars. That is when I noticed they gave me 2 different people 's paperwork in XXXX and none of the paperwork seems to be mine, neither the loan agreement nor the automatic withdrawal form is under my name. I contacted them and asked them to mail me my original loan agreement documents from XX/XX/XXXX and they said they would, but I never received them

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I have filed a home equity line of credit to Bank of America. It was not approved and I have requested to the bank to return me back my personal information : tax return and other information for the application. The bank refused and want to keep my personal information forever. Is the bank has the right to keep it?

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 2015-11-06
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
A different company took over XXXX XXXX while I was still in school, changing the rules to how you can pay back your private loans. There are no options for me to lower my monthly payments on my private loans, or to consolidate them. The monthly price for all of my private loans is variable every month, ranging anywhere from XXXX dollars. I can not afford this monthly, how do they expect people to pay back their loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE DISPUTED WITH 3 BUREAUS OVER MY CREDIT INQUIRES THESE ARE THE ONES AS FOLLOWS XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I DO NOT RECOGNIZE THESE INQUIRES AND 3 BUREAUS STATES THEY VERIFIED THESE INQUIRIES AND I KNOW THEY DIDN'T BECAUSE THE NUMBERS THAT ARE ASSOCIATED WITH THESE INQUIRIES ARE KNOW LONGER IN SERVICES AND THEY WILL NOT SEND VALIDATION LETTERS FOR THESE INQUIRIES

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 2022-05-19
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It has been a battle going through this and I am writing to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged with the items listed below which are showing on my credit report. I therefore request that you immediately remove this items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. Please delete the items as soon as possible 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 Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX Balance : {$220.00} ; XXXXXXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$170.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$520.00} XXXX XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX XXXX XXXX : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$7500.00} ; XXXX XXXX Balance XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a victim of fraud.The DOJ has convicted XXXX XXXX to XXXX yrs in prison for mortgage fraud. I happened to be one of his victims. I sent my short sale to BofA on XX/XX/2016. it was processed and XXXX XXXX the negotiator sent my realtor an email stating that until we get the fraudulent lien off the title BofA would not be able to process the short sale.My agent complied with BofA 's request and they turned around and set a sale date on my property for XXXX XXXX 2016. This is a dirty trick by BofA. I would like some help here in getting the sale date removed until I can get the fraudulent lien removed. My compliant number at the DOJ is XXXX : XXXX. The complaint was filed XXXX XXXX well before BofA declined my short sale because they did n't want my file to be in their que.

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