BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-31
Company: U.S. BANCORP
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XXXX of XXXX, I entered into a forbearance program with US Bank. Although I was ready to end the program after 2 month once I knew I would still have a job after Covid hit and everything shut down US Bank advised me that this program can only be used once and no one had any clue what was happening at this time. I ended the forbearance after 6 months. I went through the trial payment process. Completed it. Was approved for the modification. Completed all forms sent to me. The next correspondence was US Bank never received the packet with signed docs. Then I get a letter stating it was received but not in time. I know for a fact from a US Bank employee that no one was going to the bank and working from home at this time. So whos dest or stack of papers my paperwork was left behind on... I dont know. Before this can be resolved my loan it transferred. During a uncompleted forbearance modification process put in place but the US Dept of Housing and sould not have be transferred at this time. My loan has now be transferred 3 times and is never getting the modification finished causing be to be over XXXX month delinquent wrecking my credit showing I owe anywhere between $ XXXX behind which the math doesn't add up and preventing me from any refinance abilities

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 2015-11-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX Bank attempts to foreclosue on property. XXXX XXXX XXXX XXXX XXXX Bank Processor stated Bank of America was holder of promissory note/ mortgage deed.XXXX Bank was lender of property until FDIC take over XXXX XXXX Bank in 2009 and sold XXXX XXXX Bank to XXXX XXXX XXXX XXXX Bank XXXX Held conference with XXXX Bank reported mortgage accounts were sold to Bank of America. Conference with Bank of America revealed mortgage loan was not with Bank of America. XXXX XXXX Bank informed Bank of America that mortgage account was with Bank of America in memo. Another memo stated mortgage loan was with XXXX Department of Bank of America. None of Bank of America Executivesknew about a XXXX Department in Bank of America. Bank of America President XXXX XXXX XXXX, Ceo Executives reported no knowledge of XXXX Department. XXXX XXXX Bank nor Bank of America nor XXXX Department. Appromimately XXXX Bank of America personnel including executives have reported Bank of America is not lender on mortgage loan. Several Bank of America executive have reported not to know anything about XXXX DEPARTMENT OF BANK OF AMERICA. XXXX XXXX BANK REPORTED IN MEMO THAT THEY DO N'T HAVE NO CONTACT NUMBER TO XXXX AND ALSO BANK OF AMERICA REPORTED THEY HAVE NO CONTACT NUMBER XXXX ... NOW QUESTIONS : I AM REQUESTING COPY of original promissory note I AM REQUESTING COPY of mortgage or deed of trust I AM REQUESTING COPY of all assignments of mortgage I AM REQUESTING COPY of endorsements I AM REQUESTING COPY of deed of trust transfer I AM REQUESTING COPY of sale of property to Bank of America I AM REQUESTING COPY of sale of property to XXXX I AM REQUESTING COPY of Servicer NOTICE Letter of XXXX XXXX Bank DOES XXXX XXXX WORK FOR LSBO OR BANK OF AMERICAIS XXXX A CONVERT OPERATION.NO EXECUTIVES RECOGNIZING XXXXIS XXXX THE LENDER OF THIS MORTGAGE LOAN

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2020-03-23
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: Personal information incorrect

Complaint:
I have numerous issues..I spoke to one of your agents on XX/XX/XXXX for over an hour.My sister 's name and mine are the same. Our socials differ by one digit. The 3 bureaus have her info on my file.I thought this was fixed till I got my 3 reports. All mixed up! Does not have my correct address. 
XX/XX/XXXX XXXX XXXX reports 3 addresses in XXXX. I have lived present house for 22 years. XXXX XXXX XXXX. Never XXXX? Employers from XXXX?? am XXXX  XXXX since XXXX.XXXX  XXXX  XX/XX/XXXX . I never got a card. XXXX XXXX who stated they told XXXX XXXX that was NOT MY DEBT! 
Experian-XX/XX/XXXX..I never had a XXXX XXXX acct. Never chged any money.XXXX  XXXX  again.I spoke to them they know I didn't have their card. Still showing past due etc ... didn't have 2 XXXX XXXX cards it was a fraud..only have 1. Shows XXXX XXXX XXXX..never lived there..XXXX XXXX..sister..XXXX.XXXX.not us..XXXX  XXXX. Sister..XXXX.XXXX..sistrr..XXXX  XXXX XXXX..sister..SHOWS SOCIAL VARIATIONS ; XXXX?? NEVER USED XXXX IS SISTERS..XXXX  IS MINE..Do n't work at a trucking company? Have also called all of these inquirers that I neverrr called..I never applied for Life Ins..XXXX XXXX..XXXX   XXXX..Leasing..XXXX  etc.. 
XXXX  : Again, had 3 addresses in XXXX..only lived at one..had my sister 's year of birth XXXX..not mine..and her social XXXX..and her name XXXX. 
But this XXXX XXXX investigation of XXXX XXXX  was incorrect. XXXX said they told XXXX that it was NOT me and they were writing it off..it was a fraud..so was one of the XXXX XXXX. They are all still reporting XXXX and it was NEVER MINE!

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 2022-08-31
Company: DISCOVER BANK
State: NJ
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:
In According with the Fair Credit Reporting act, Everything has to be 100 % Accurate on my credit report, under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) The below account are in Violation of not reporting 100 % Accurate. 

I have been disputing about my Discover Bank Ending with # XXXX with XXXX, XXXX to remove this account but they keep coming back and saying the account is verified. Attached is the Credit report which shows inaccuracies on my Credit Report. I would request to Delete this account and information related to this account completely from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-31
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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Re XXXX Acct XXXX XXXX {$3900.00} To Whom It May Concern : This letter is being sent to you in response to your recent letter. This is not a refusal to pay, but a notice that your claim is disputed. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, the date of the alleged medical service, the name of the patient, and proof that there is some contractual obligation which is binding on me to pay this debt. 
Please attach copies of : Any agreement with your client that grants you the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle XXXX XXXX XXXX XXXXXXXX, SEC. XXXX. APPLICATION OF SECURITY PROVISIONS AND PENALTIES TO BUSINESS ASSOCIATES OF COVERED ENTITIES ; and SEC. XXXX ( 1 ) BREACH OF SECURITY. 
The term breach of security means, with respect to unsecured PHR identifiable health information of an individual in a personal health record, acquisition of such information without the authorization of the individual. 
Please note that enforcement of penalties against you is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of XXXX ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-24
Company: EQUIFAX, INC.
State: TN
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 tried to get a share loan from my credit union. When they pulled my credit history from Equifax, it gave them the credit history of someone with my same name. Equifax refuses to take any responsibility for having someone else 's credit history under my name. Equifax tells me they have no record or files of me whatsoever, yet when my credit union runs my Equifax credit report they pull someone else 's information as my credit report. As it now stands, I see no way I can do anything to fix this because Equifax refuses to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: OR
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Credit score dropped 28 points. The only change was a XXXX payment to one of my credit cards. This alerted me to a potential problem. I called and waited over 3 hours to speak to customer service. Once they answered they told me to call back in 30 minutes because they were having system issues and could not access my records. I asked them why they did not put this in their hold messages so that people arent waiting for 3hrs. I was told they cant disclose that information. I asked if they will do this. The answer is no. I asked if they had an estimated time that the issue would be resolved. The answer was no. I asked to speak to a supervisor and asked for her name and ID number. She said they dont have supervisors and that she could not give me the ID number or anything but her first name : XXXX. I am concerned about the unexplained drop and am hoping its not due to some kind of fraud issue. This happened today XX/XX/20. At approximately XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-06
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Inquires that do not belong to me, Identity compromised/Fraud : Credit Bureaus contacted would not resolve the issue. 

XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/202XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX - XXXX XXXX  XX/XX/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 non-monetary relief
Consumer complaint received 2015-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX 2015 I rec 'd a letter stating that as part of a lawsuit my second mortgage was being forgiven by Bank of America. It was to be effective XXXX 2015. The account has been removed from my banking and I do not have access to it anymore. However, I called to get a letter of release in order to sell the property and I was told I would have to wait 30 days. I waited more than 30 days and called back. This time I was transferred to a nthe new department. This rep stated that there is a 90 day waiting period before the letter of release will be mailed. The 90 days expired XX/XX/XXXX. I called back and was advised that this letter of release could take 1 week-10 months to receive! The property is currently under contract to be sold and we can not close until this letter is filed. It has taken over a year to get a contract on this property and we do n't want to lose this buyer. If we can not close with this buyer we will be forced into foreclosure!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I believe I was scammed by XXXX in their practices and would like to see if I an eligible for compensation for the lawsuit filled against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
on XX/XX/2022 at XXXX pm I called in a wire for XXXX. They told me it would be there Monday. The bank never sent it to me. Goldman Sachs XXXX  Bank never sent it to me. I called a manager up and he assured me to wait till Monday and it never came. It was a WIRE..meaning within hours.. I did it on a Friday and by Monday never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been dealing with this problem for a long time.I need to get these collections removed. I've already sent in all the correct documents, and these collections still show up on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account on Friday, XXXX XXXX, 2016 after visiting Bank of America to cash a payroll check. On Saturday I attempted to use my card and was advised that my account was being closed. I called on Monday to see why and they advised me that they did not have to tell me as it was a business decision that they made. They advised me that the payroll check which is drawn on their bank is being place on hold and that the hold went into affect on XXXX XXXX, 2016 and will not clear until XXXX XXXX, 2016. The branch manager of XXXX XXXX XXXX could not understand why they would hold a payroll check for so long since my employer uses Bank of America. They refuse to give me an explanation as to why my account is closing. They refuse to give me my funds after the branch manger has already written on the check that a deposit via my mobile device. This is beyond unacceptable as the department that is handling this refuses to speak with me nor give the branch manager an explanation. This has caused me to be late on a bill that I needed to pay and if they issue me a cashiers check via mail, I will be losing funds as they will charge me a fee to cash the check. This bank feels that they can treat me any kind of way and they do n't have to answer to anyone or give any reason.

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 2022-04-08
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Last year I received a letter in the mail from an auto loan company saying I owe XXXX dollars for a car I never owned. I logged into my credit report & saw multiple collections for a accounts I've never opened. I called the police & told them I've been a victim of identity theft. Recently reviewing my report I have noticed new a XXXX  account collection report on my credit. I've never had XXXX service. I'm positive this is a new account from identity theft that is just now reporting. I have frozen my credit & contacted the bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was called by XXXX XXXX Licensed Lending Officer NMLS #  XXXX. When I told her I don't want to credit pull she freak out and pressure me by threatening to hang up and telling me there many people waiting for her call. I could lose my home if I don't do what she said. I was not comfortable listening to her. I am sure someone will give into her pressure so I want to let others know about this situation. And want kind of agent is at Loan Depot.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-19
Company: EOS Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Bureau Name EOS CCA Original Lender XXXX XXXX XXXX XXXX Account Number XXXX Account Type Not Reported Responsibility Individual Credit Limit Not Reported Highest Balance {$120.00} Date Account Opened XXXX XXXX 2014 Payment Details Amount Past Due Not Reported Date of Last Payment Not Reported Monthly Payment Not Provided Payment Frequency Not Reported Lender Info

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: SECURITY FINANCE CORP
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have been unable to make payments due to my decrease in income as of XXXX 2014. However, there are actually several of these " loan shark '' companies in town that I unfortunately became involved with to do business when I had been low on money in the past. It is a nightmare to even try and pay XXXX off because they always entice you to re-borrow. And once I tell them I am unable to pay anything at the time it is due they continue to ask questions of when, or cant you borrow from someone, and then proceed to call daily. They call my cell phone, which is part of my business, they call my professional business office where I am a XXXX and have sessions with my clients. They have even came to my office, came to my home, where my husband 's XXXX is located, and then even proceeded to contact me on my private social media via messenger. ( XXXX ) They call everyone on my initial application and harasses them as well. I even asked them not to call or even let my husband have knowledge that I was applying for a loan as he would be angry. However, they violated my confidentiality and even proceeded to come to my home, and spoke with my husband on XXXX occasions that I know of. NIGHTMARE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I wrote to the credit bureaus requesting an investigation into items that I believed were inaccurate. To date, I have not received a reply from you or any acknowledgment that an investigation has begun. In my previous request, I listed my reasons for disputing the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-21
Company: OneMain Finance Corporation
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-02
Company: PNC Bank N.A.
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Companies Involved : XXXX XXXX and PNC Bank, Underwriting Dealer Services I will try to be as succinct as possible, so please bear with me. 

I had purchased a used vehicle on XX/XX/2020 from XXXX XXXX in XXXX, Maryland. They told me they would be seeking financing through XXXX XXXX. The next day on XX/XX/XXXX I found out I was unemployed indefinitely and permanently due to Covid.  Since XX/XX/XXXX was a Sunday and both the dealership and XXXX XXXX were closed, I contacted XXXX  XXXX first thing in the morning on XX/XX/XXXX to let them know what happened. They told me I couldn't return the vehicle. I did contact XXXX XXXX the same day and they confirmed they did not have my application. 

With the knowledge that I no longer had an income, they side-stepped XXXX XXXX, the intended lender, and sent another application to PNC. One, I never gave them permission to seek financing with another lender ( it clearly states in the financing addendum that they need my agreement to do that. The addendum I will attach. ) PNC turned down the loan and then they then went to another lender, XXXX XXXX, submitted an application, again without my prior knowledge or permission, with the full and absolute knowledge I no longer had an income. XXXX XXXX   approved the application. 
I contacted XXXX XXXX  immediately upon receiving my letter of acceptance from them to let them know that the information they were probably given was false. They have been working with me on this and they did ask me to provide a copy of the application that was submitted to PNC by XXXX XXXX. 

Both PNC and XXXX have refused to send me a copy of the application. I am actually more interested to see what PNC got from XXXX. XXXX XXXX  has suspended any payments to assist me in resolving this issue and have been very cooperative and suggested I contact you. 

I last contacted PNC on XX/XX/XXXX and spoke to " XXXX '' in the underwriting department at PNC in XXXX. She went back and forth between me and the underwriter said that even though it's my financial information, they will not release it to me because their client is XXXX XXXX. When I her to put that policy in writing for me so I had something to go back to XXXX XXXX  with, she refused. She wouldn't even give me the name of the underwriter she spoke with, she wouldn't even give me her last name. Even the branch manager of my local PNC Bank, XXXX XXXX from XXXX XXXX, Maryland couldn't get them to budge on that. 

Ideally I would like to see the application that XXXX sent, but it's more important to see what PNC received. It is my belief and XXXX XXXX  's belief the information they sent PNC was different than what XXXX XXXX received, because obviously XXXX XXXX   would have turned it down too.

Company response to consumer: Closed with explanation