BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-21
Company: WYNDHAM CAPITAL MORTGAGE, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Wyndham Capital Mortgage is the company ... 
Going through a mortgage re-fi ... in the beginning ... I ask if their loans have any Points ... they tell me No point re-fi. 
XX/XX/XXXX I receive an email and in there it says " We do not charge any lender fees whatsoever! '' They ask what i think my home is worth ... .I am not the expert ... ... I " guess '' at {$710000.00}.

On XX/XX/XXXX I receive my Closing Disclosure Statement ... '' Loan Costs- % of Loan Amount Points ... is {$0.00} ... ... ... so this looks ok to me then on XX/XX/XXXX just a few days before closing I receive updated Closing Disclosure Statement and it now has under " Loan Costs- % of Loan Amount Points is {$1900.00}. 

When I ask about this they are telling me it is because I said my home was worth {$710000.00} and appraisal came in at {$680000.00} so i was basically being penalized ... .because my " guess '' at my home 's worth BEFORE appraisal was off so now I had to pay {$1900.00}. 
This was told to me at the very end while waiting for loan to close and I couldn't start this whole process over due to the time and I would have lost the lock-in rate and the {$480.00} I had already paid for an appraisal and feel this is a bait-and-switch technique they are using. 
I was NEVER EVER told that I would pay any $ $ if my appraisal did not come in at {$710000.00}. I was deceived and lied to by Wyndham Captial!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Several months ago, I complained to Wells Fargo bank ( online rep ) that I needed to stop the overdraft charges and asked what would be the best solution. I was told overdraft protection could be withdrawn, so that's what I did. But it did not stop the issue. I continued to get charged {$35.00} a pop. I again called customer service and was told that shutting off overdraft protection would not stop overdraft charges. In fact, nothing would. It was my responsibility to figure out where the charges were coming from and redirect those charges.I had no clue where to begin. I decided to close my account and, by doing so, notices from companies attempting and failing to put charges through would come to me directly, and I could then correct all of these issues directly with each company. I shut off my debit card at this time as well. Last week, I called customer service to request my account be closed. I was told there were pending charges and until these went through, I wouldn't be able to close the account. So I waited. During this wait period, I could not log into my account despite following all instructions. A customer service rep provided a temp password and I was able to get in. 
Also during this wait period, I should have received my social security check, but I can not verify this because once again, I can not access my account and today I again have overdraft charges. Today, I called customer service to get help logging in again. I tried at least 10 password combos with the rep holding on the phone. I was frustrated and getting angry. I told the rep this was ridiculous ( all of it - not just today ) and she said " Well I don't know what you expect me to do. If you can't reset your password, I can't help you. '' I told her " this isn't a me problem it's a you problem. '' To which she basically replied she could do nothing for me. Her tone was VERY rude. So I left work and went to my branch to try to get help in person. Lo and behold, they can only help me by appointment due to COVID. They had no open slots for today. Or for tomorrow. Or, in fact, for the next two weeks. I tried to explain the urgency of my circumstances, but they were unmoved. They directed me to their appointment app and I tried 5 other branches, all of whom were booked solid. Finally, I found a branch with an open time for XXXX XXXX  today. One of the employees said to me, " You'll find all banks are using appointments only now. '' To which I said, " Not true. I can walk into my XXXX XXXX anytime and talk to someone right away. '' Wells Fargo is a horrible bank with horrible customer service. I can't access my account, I can't close my account, I can't speak to anyone about it ... quite the mess. I will never do business with Wells Fargo again.

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 2019-02-19
Company: Monterey Financial Services LLC
State: NC
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:
On XX/XX/XXXX at XXXX XXXX, a representative from XXXX XXXX XXXX signed for a certified letter containing a dispute for a collection account they are reporting on my credit reports ( XXXX, XXXX, and XXXX ). On XX/XX/XXXX, they sent back a letter attempting to verify, but did not send any verification documents. I also sent another letter requesting verification, in which an individual signed for on XX/XX/XXXX at XXXX XXXX. They did not respond to the letter and they also did NOT mark the account as disputed within 30 days as required by law. They have not followed the guidance required by law per the FCRA and the collection need to be deleted from ALL of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Personal information incorrect

Complaint:
XXXX XXXX The profile has my entire info but it shows many small errors that Make it seems like it's me And its creating a big Problem that's affecting me.

There's Loans and Credit Cards Under my name I didn't Get, the address matches mine, even my last address but my date of birth is different for 1 year but in the SSN the last 4 matches my last 4 ITIN number. 
A credit line I had just closed my account without giving me any explanations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My name is XXXX XXXX and I am a victim of credit card fraud by a person and by the citibank credit card company as well. I worked at XXXX full time during the hours that I believe my phone along with my credit card was stolen from my locker and used. I worked at XXXX during this time from the hours of XXXX XXXX  - XXXX XXXXXXXX ( Monday-Friday ) for about 2 months starting from XX/XX/2018 - XX/XX/XXXX or so. I WAS WORKING from XXXX - XXXX XXXX  on this friday XX/XX/2018. At XXXX A person used my phone at an XXXX XXXX   in XXXX XXXX to call my credit card company and FAILED my security word which is XXXX. the credit card company then issued a text and the person verified it was me. Im not sure why they didnt verifiy me based off the favorite snack word. and if a person failed it then they should have NEVER been allowed to use my card. Bear in mind it takes about 1 hour to drive from XXXX to XXXX XXXX and 1 hour to drive back and I did NOT leave work that day during the time of XXXX I took a 15 min break with many of the employees at the XXXX XXXX. In addition to this when I finished my work shift at XXXX XXXX I noticed my phone moved from my locker and my wallet felt lighter. I looked online and saw the charge for 12000+ dollars at an XXXX XXXX I HAVE NEVER BEEN TO AN XXXX XXXX IN MY LIFETIME. and I own an android phone. I called XX/XX/2018 at  a later time maybe around XXXX XXXX and used the correct security word ( XXXX ) to verify it was me and explained it was not me who used the card. Lastly for some strange reason the credit card investigators are saying that they verified my voice to the fraudsters voice I guarantee you thats IMPOSSIBLE please look into this investigation Citibank credit card company is a total fraud and I want my money back and I will NEVER pay this debt.

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 2020-11-03
Company: EQUIFAX, 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:
I XXXX XXXX XXXX have been a victim of identity theft and am writing to request that you block these items from my credit report. I never initiated these accounts nor do I have a contract with the following Company ( XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and XXXX XXXX. These accounts are fraudulent and need to be removed. " The Fair and Accurate Transaction Act of 2003 '' requires you to block and delete any information that was the result of identity theft FACT Act Section 152 FCRA section 605B. The law states that you have XXXX business days to complete this request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: EQUIFAX, INC.
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 disputed a tax lien on my Equifax credit report. The tax lien purports to be from XXXX Superior Court in Georgia. The original tax lien does not contain sufficient personal identifying information to be included in my credit report. Neither my date of birth nor my social security number appear on the original or copies of the tax lien in the county records. I received a dispute resolution on X/X/2017. However, the information was simply updated and not deleted based on the lack of personal identifying information. Specifically, the tax lien as listed in the report is from XXXX Superior Court, book 361, page 105 in  the purported amount of {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-06
Company: Experian Information Solutions Inc.
State: IL
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 natural person. I am a living human being. I have rights under 15 USC 1681 XXXX XXXX XXXX XXXX is governed by 15 USC 1681 and they violated my rights numerous times. I am demanding that the accounts listed below be removed because according to 15USC 1681 I have the right to privacy, and I did NOT give XXXX aka XXXX aka Experian ( also known as Experian Consumer Services ) permission to furnish the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have filed numerous CFPB complaints as well as sent Cease and Desist letters for these two accounts. They still refuse to block and remove these accounts from my credit report.

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 2019-03-10
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: Account status incorrect

Complaint:
An account in my credit is showing late, this account has never been late, this inacurate reporting has affected my ability to get funding and has made me pay higher interes. 
Please remove this late in my credit report.

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 2019-11-02
Company: Adler Wallach & Associates, 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:
I disputed ownership of this account over 30 days ago, and this is not my account. The reporting agency stated that because the company says its valid, ; thats it!! Im not satisfied with that answer, and frankly thats not an investigation

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX I sent a dispute letter to Capital One Bank, XXXX and XXXX regarding a collection/charge-off that was opened in XXXX. There are 3 inaccuracies listed on this report. It is well over 30 days and there are still 3 inaccuracies listed on the account and it hasn't been updated or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: RI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Rushmore unpaid amount is in error. I have discussed this issue with them recently I even provided Rushmore copy of my previous servicer of my account showing overpayment. 
I would like to receive back-up information from Rushmore how they arrived to this amount. 
at the same time my XX/XX/XXXX monthly due is higher than previous one. I checked with the city assessors that my property tax has not changed at this time it might even go down. 
please provide me how you come up with this monthly due. 
I would like to request that I will be given a chance to pay my property tax and homeowners insurance myself so that no more escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-20
Company: EQUIFAX, INC.
State: NY
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 feel as though Equifax is acting unlawfully and I am unsure please se attachments for more information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I recently submitted a request for investigation of several accounts, which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. The other bureaus have already verified all of these fraudulent accounts and has removed that account. They have stated when I have called them, that they have contacted your agency numerous times to have the other account removed to no avail, often noting unreasonable hold times to get through to the fraud department. 

If you had investigated properly, rather than use your XXXX system, you would have known, that not only have ever been late on this account, but that I am not the owner of this account, though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX TransUnion, XXXX v. XXXX ( XXXX ), and XXXX v. XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form through the XXXX system that does not even contain my reasons for the dispute is not reasonable. 

Additionally, the following accounts do not belong to me and have been removed by the other credit bureaus and deemed fraudulent : 1.XXXX # XXXX 2. XXXX XXXX # XXXX 3. XXXX XXXX XXXX # XXXX 4. XXXX XXXX XXXX. # XXXX 5. XXXX XXXX # XXXX If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. XXXX and Transunion refuse to allow me to dispute my accounts online anymore. 

I look forward to an expedient resolution of this matter, 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 explanation
Consumer complaint received 2021-04-26
Company: Nelnet, 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: Account status incorrect

Complaint:
Hello, I was in the process of obtaining credit a few months ago and was made aware of several inaccuracies on my credit report. I reached out to the Department of Education / Nelnet via direct mail several times to verify the information they are reporting to the credit bureaus. After several attempts, they have not provided any proof or documentation verifying the information they are reporting. All three bureaus have different information in regards to payments made on different dates, with different account numbers and on-time/late payments for what is supposed to be the same account. Dept of Education / Nelnet has not been able to verify any of the information reported, they simply send letters with a supposed payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I opened up a credit card to finance furniture at XXXX XXXX XXXX. They finance through Synchrony Bank. They offered so many months with no interest to pay off the amount. The first time I paid it off with no problem. The second time I finance through them I was making steady payments like before but had a lot going on at the time and forgot about the deadline. I called them to see when my time frame for no interest was up, and they told me it was up two weeks ago, and my next payment would have accrued interest. 
I asked the lady could I pay the amount I owed without the accrued interest I did not realize that the time was up and I had a lot of thing going on at that time. She said there was nothing they could do. This was in early XX/XX/XXXX, I spoke with them twice in XXXX before the holidays. I called again two weeks later in XXXX and they told me I should have called two weeks ago and they could have helped me it was too late. I spoke with XXXX, not sure who I spoke with the first time but it sounded like XXXX. The total I owed without interest was XXXX the total interest added to the payment was XXXX. They wanted me to pay XXXX. 

I spoke with Synchrony Bank again on XX/XX/XXXX and XX/XX/XXXX. I spoke with XXXX and each time I called they claimed they spoke to a manager including this time and they said they would not remove the interest so that I could just pay off the amount I owed. Since then I made a payment of {$150.00} in XXXX. The total interest in XXXX is XXXX. The amount I owed to date is XXXX. This is without the payment I will make in XX/XX/XXXX. 

These finance companies prey on those who may need to establish their credit by offering no payment for a certain amount of time but they get over when they charge an interest rate that will could put you in debt. The offer seems good at the time but in the end, it is not worth 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 2018-09-28
Company: U.S. BANCORP
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
A full payment was made but I only wanted the regular monthly payment! I called and said I could not afford that! They refused to reverse the debit payment! So I called my bank and opened a dispute then they credited the money and only took the monthly payment out to them! Then I just received a letter I lost the dispute and it will be pulled back out on 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 explanation
Consumer complaint received 2020-05-20
Company: ONLINE Information Services, Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I moved out of an apartment on XX/XX/XXXX because my neighbor kept breaking into my apartment and damaging my vehicle. I turned in the key in person on XX/XX/XXXX and was told that everything was fine and I was NOT breaking my lease. I gave my forwarding address, email and phone number. A few weeks later I received an email claiming the apartmenthad to be repainted because of me. I notified them of stains on the walls from a leaking window and upon moving in. I had passed move out inspection on XX/XX/XXXX. I replied to the landlord, XXXX with XXXX and XXXX, and told her to take me to court because I did everything on the checkout list, she had mistakenly tried to evict me prior because she kept crediting someone else 's account with my rent payments, and that she did nothing about the drug dealer living next door that kept breaking in and slashing my tires. About a year ago I checked my credit and XXXX and XXXX showed as a collection for {$1800.00}. I requested that XXXX correct the information and provided all copies of emails, receipts of rent paid, deposit paid, and police reports. All they did was put a statement on the account. The collection agency is reporting the account as opened in XXXX, when I paid {$1500.00} to my landlord and relinquished my deposit to move out without any issues in XX/XX/XXXX. XXXX and XXXX waited 4 years then sold my information to a collection agency instead of taking me to court or even sending me ANYTHING in writing showing that I owed them anything in that 4 year period. The only thing I ever got was one email from XXXX. I want it removed from my credit report because I do not owe the debt at all.

Company response to consumer: Closed with explanation