BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This is in reference to account number XXXX, oh property address XXXX XXXX XXXX XXXX XXXX New Jersey zip XXXX. Account number name under XXXX XXXX. 

Wells Fargo is reporting inaccurate information on my credit report. With some of the credit reporting agencies is appearing as though I still have open account with Wells Fargo. In some cases it's appearing with some type of balance. Each Credit Reporting Agency report something differently. Including on reporting so many lates when there was an agreement reached, that I was sell my house and they physically got paid back their money, that Wells Fargo will not negativity report things on my credit report. As long as I sell my house and they got their money. It seems that my credit report there is multiple Wells Fargo accounts on there. When it's the only show I only had one Wells Fargo account. Well I had people pulling my credit report, apparently there's different information that is being reported by Wells Fargo on different reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: EQUIFAX, INC.
State: NY
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:
XXXX Equifax and XXXX all have different information on these accounts even though they are paid in full i advised them with certified letter 3 times all three times the answer came back verified not sure how it can be verified if the three bureaus different info and also all three say account is not in dispute when clearly they are XXXX : high bal XXXX XXXX  : high bal XXXX equifax high XXXX XXXX  last activity XX/XX/XXXX XXXX  las activity XX/XX/XXXX equifax last activity XX/XX/XXXX XXXX XXXX owed XXXX XXXX  XXXX equifax XXXX XXXX  says paid on time until XX/XX/XXXX then nothing i would like them completely removed from my report these and several others cost me a mortgage and a really high percentage rate on my auto loans

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$460.00} ; XXXX  XXXX Balance : {$10000.00} ; XXXX XXXX XXXX XXXX XXXX Balance XXXX {$9300.00} ; XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX XXXX According XXXX FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.

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 2023-09-26
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I am filing this complaint on my own behalf to address an issue concerning late payments on my credit record. After reviewing my records, I found the presence of these late payments. Despite having sent letters regarding this matter over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly seek your assistance in resolving this matter promptly and effectively.

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 2021-07-14
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
In XX/XX/2021, I responded to an email from Wells Fargo and informed them that I am ready to leave the COVID Homeowners Forbearance program. I requested the FHA homeowners mortgage refinance option, and was verbally approved for that plan. I was informed that the closing would occur in XXXX. Wells Fargo would prepare the closing documents and a notary public would contact me to arrange for signature and to leave copies. 

As of XX/XX/2021 nothing else has happened. I have spoken with and emailed the home ownership representative several times and have been assured that all is well with the loan. However, She does not know why the closing has not occurred. 

I understand that Wells Fargo is undergoing some leadership changes. The company is also dealing with several legal challenges. I am afraid that my mortgage refinance has gotten lost in the shuffle. Please help.

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 2021-10-07
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2019-07-23
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On or about XX/XX/2019 I received a late notice from my mortgage company. I checked my bank account and my mortgage payment cleared on XX/XX/XXXX. I called my mortgage company, they had to submit a ticket and it could take up to 10 days for correction. XXXX, the customer service representative said I needed to make my XX/XX/XXXXpayment in XX/XX/XXXXso that my credit report did not show 30-day late payment. I made my XX/XX/XXXXpayment over the phone to XXXX. Five days later, I received my new statement that showed my entire XX/XX/XXXXpayment misapplied to escrow. Nothing to princial or interest and I always include an additional {$100.00} to principle, which was applied to a late fee. I called again, I called again, I called again. Each time a 10-day ticket, no resolution, no payment applied to additional principal, only more late fees. On XX/XX/XXXX, I spoke with XXXX from the XXXX, AZ office she looked at the entire ledger of applied payments and an equally long ledger of unapplied payments and said she would call me on XX/XX/XXXX because she escalated the ticket to a two-day ticket. Today is the XX/XX/XXXXI got another letter in the mail showing another late fee. And I called today to talk to XXXX and she did not take my call. I can not begin to relate the fear and frustration. You hear everyday how consumers lose their homes. I feel like XXXX and Specialized Loan Servicing is XXXX. I cried, I screamed, I begged. XXXX, hung up on me. I have no further recourse but to reach out to an oversight agency. Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
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:
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-22
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I rented a car from XXXX XXXX XXXX XXXX XX/XX/XXXX-XX/XX/XXXX. I paid for the rental on my Amex XXXX XXXX XXXX. I paid {$19.00} for Amex car rental insurance. I returned the car undamaged. The rental company alleged damage and charged my credit card an unapproved {$230.00}. I disputed the charge. Amex contacted the merchant and sent me an unreadable PDF document. I asked for a legible copy, but one was never provided and Amex closed the dispute. I then lodged a claim with Amex car rental insurance. I sent them all the documents in my possession, but some items - for example - an accident report and an estimate for the cost of repairing the damage - are not in my power to produce because there was no accident and no damage. 
I am in a catch 22 situation. The whole charge is fictitious and the insurance claim is being denied, and I am down by my {$230.00}. 
I attach a photo of the " damaged '' car taken at return

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-10
Company: WELLS FARGO & COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I changed my name, decreed by the XXXXXXXX XXXX family and probate court XX/XX/2022. 
\ I have since contacted Wells Fargo on no fewer than four dates from XX/XX/2022 to XX/XX/2022 about updating my name. Ultimately, my name on my credit card has been updated, but my online account and credit report still report to the former name. 
\ Wells Fargo initially insisted I must go to a branch in person to perform this action. Then they changed their mind and promised a mailed form, which I was to fill out and mail back to them. After a month it hadn't shown up. I called them back and they said wait for it to show up, they had definitely absolutely shipped it for real. It took another phone call to request another copy be mailed before it actually showed up ( still >1 week later ). 
\ After that it took them about a month to process my credit card file update. I might have had to reach out to them for a new credit card, I can't recall. 
\ To date they have still failed to update my online profile. I called them today to update this, and they again insisted I go into a branch. There aren't any branches in my state. 
\ I am calling them once more on Monday, and if they don't present a pathway to actually solving the problem I plan to close my account after balances are settled. 
\ There is no online contact for customer support on their website. There is no email address. This could have been an email process, and everyone would have spent far less time and resources on this.

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 2023-04-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hi opened a Venture X credit card with Capital One, which is supposed to be their top of the line credit card with the best customer service. However, I have found that Capital One uses these large welcome bonuses and high annual fees in a predatory manner. 

If I spent XXXX in the first 3 months of having the card, I was supposed to receive a XXXX miles welcome bonus. However, at XXXX spent ( conveniently for Capital One ), I was told that my account was restricted and that my income needed to be verified. I was told that I needed to provide 3 months of consecutive bank statements. At first, I was told that I couldn't send in statements from a Capital One bank account, which is absolutely absurd. I had to escalate to a supervisor to be allowed to use my Capital One bank statements. I was also told that I could only send in this bank 's statements, which led me to assume that they were just checking if I had enough to make the payment at the time ( around XXXX ). At no point was I told that I had to prove that the income amount that I had put on the application in this exercise. 

When I heard back that my account was being closed, I was very confused. I talked to several representatives who all gave me slightly different answers. At this point, it was obvious that Capital One cared only to do the bare minimum for customers. I finally reached a representative that realizes that I would actually be able to prove my income if given the chance to provide additional documents from other banks. She put in a referral to reopen the case, which was then denied. Following the denial, I talked to a representative who could not tell me why the case was unable to be reopened, given that I was not told to provide all sources of income ( and that I had documents to prove my income ). 

I have spent XXXX dollars which I could have spent on a different card to earn rewards, yet I was scammed by Capital One right before I received my welcome bonus. I have multiple sources of income, including base salary, stock options, and sign on bonuses. I am willing to prove that the number I put on the application is correct. In addition, credit pulls were made to my identity for this account that was involuntary closed within a month. 

Upon reading online, I have also seen that other customers have faced similar scenarios where they had their accounts suspiciously closed right before or shortly after they were owed the welcome bonus miles. In these situations, Capital One never had to provide monetary compensation for these rewards, which is predatory to the customer. A class action lawsuit may be appropriate in this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-10
Company: Bread Financial Holdings, Inc.
State: WV
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my balance in full, they continued to charge interest. When I called to inquire why interest was continued to be charged on a card with no balance, they said they made changes, I spoke with a supervisor who when I inquired about the interest being charged after balance was paid off I was told 2 different stories. I was told interest was charged daily then I was told it was charged monthly. I told them I wanted my balance paid again in full and I wanted the account shutdown. She said she would wave any future accruing interest and close account. I was never advised of any changes to the way they charged interest.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-28
Company: TMX Finance LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
XX/XX/XXXX I went to titlemax XXXX ca. I needed a loan for XXXX to cover rent and XXXX. I was informed by XXXX an employee that loans under {$2600.00} were not allowed in California. This I learned later was a lie. My payments were to be $ XXXXmo. I asked about early payoff. He said the first payment was the " big one '' I received No paperwork about loan terms they said for all that info create online account log in etc. so for the next several mos. I made my payments. XXXX they closed their doors in XXXX thats when I checked my balence 1st time. It showed I had paid {$2300.00} on a loan of XXXX over 4 months and I owed {$2000.00} ... .. I have tried to call Titlemax of Californias ' main office in XXXX county it hangs up as soon as it rings thru. When I investigated it said Titlemax was ordered by state to cease and desist XX/XX/XXXX. And they actually stopped in XX/XX/XXXX ( 2 weeks after they got me. ) The other offices know nothing of my case and the website only left me choices of payment. This car is a XXXX XXXX XXXX w/ XXXX mls and drinks oil, needs bushings and 2 cal catyltic converters. At best its worth XXXX. Im not paying them another XXXX of interest. And Im not giving them the car after all this and have them sell it for XXXX to one of their car lots. and sue me for unpaid balance. They should not have been still doing that.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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

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 2023-09-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I was never late on this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
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:
Unauthorized opening of Bank of America credit card on XX/XX/23. Reported to Bank of America for fraud but still shows the inquiry on my report. This inquiry and opening of account was not authorized by 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 non-monetary relief
Consumer complaint received 2023-08-11
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: Information belongs to someone else

Complaint:
The unverified inquiries indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these inquiries to be deleted ( A ). I will take legal action against you if you do not delete these inquiries. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2022-05-19
Company: CITIBANK, N.A.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a debt collection last XXXX they contacted me asking to pay it off so I sent money orders to the collector and we had an agreement that it was paid off and now recently contacted me to paid it off i told them that i sent money orders to paid off the debt and they still want me to paid them even know i sent them the proof that it was paid off

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