BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/2018 I tried to go on line to make a house payment, I could not get through, as usual. I called Wells Fargo to get help. The Women said I can take your payment so I gave her check # XXXX for the amount of {$1500.00} for Bank Acct. XXXX XXXX Routing # XXXX Acct # XXXX for my Mortgage # XXXX. She gave me a Conformation # XXXX, and said wait a minute, ok it went through. So I got a payment coupon stating my next payment for XX/XX/2018 would be {$1500.00}. So I did not get a courtesy call or letter, but on XX/XX/2018 I get an other payment Coupon for XX/XX/2018 stating I owe for XXXX and XXXX?? I called and was told the payment never went through because they got the wrong Bank Acct number, which they already have on file. I paid again and then said you better not charge me for a late payment this was not my fault. I was told well it has to be investigated and they will let me know. Second payment for XXXX Ck # XXXX for XXXX conf. # XXXX. I just placed an other complaint against Wells Fargo because mid summer I was behind in payments and they sent a letter to my rental and the tenants opened it and went crazy calling me a thief and that the house was being foreclosed on them and I didn't tell them and they don't have the money to move. I called Wells Fargo and said why did I not get that letter at my house? They keep saying we mailed it to you, but I never got it mailed here, I had to ask for that letter to be faxed to me. At that time I was making 2 payments a month until I was caught up on payments. And now this. I am sick of Wells Fargo and I don't trust them, I want my mortgage sold to someone eles.

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 2018-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
My identity was stolen around XXXX 2018. I contacted the banks fraud department to inform them I did not open a credit card with them. I have contacted several other banks to inform them I never opened accounts and cards with them. They all removed the accounts from my credit report. However, Capital One Bank has not removed the account from my credit. I contacted Capital One in XX/XX/2018 and they have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Adler Wallach & Associates, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Three letters sent by fax and USPS to AWA Collections that have gone unresponded to. In the third letter, I even sent them proof of delivery via fax in XXXX and the account is still being reported as of XX/XX/14. They have not provided debt validation or assured me that my HIPPA rights were not violated. And as a side note shame on the bureaus for not responding!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
I went to a car dealership named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX Illinois XXXX. They informed me that the were only going to run my credit report for XXXX XXXX to apply for an auto loan with them. Without my knowledge I notice they put multiple inquiries on my credit reports that I did not authorize without my consent and unknowingly put these inquiries on my credit report. 
Inquired Listed : 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 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 2021-10-14
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Mortgage with Wells Fargo A/C # XXXX I purchased my house during initial stage and Covid pandemic and I got good deal on it. 
Since then home prices sky rocketed in my neighborhood and my house has appreciated significantly. 

I asked mortgage lender to review PMI and they sent me letter dated XX/XX/2021 and gave me two options to apprise the house to show LTV ratio to 80 % I followed broker appraisal and since house has been appreciated so much, the LTV ratio is close 60 %. 

However, lender is unwilling to remove PMI and wants me to show significant improvements to home. This seems ridiculous because technically I have more than 30 % stake in the house. The clause of significant improvements is an excuse for the lender to guarantee PMI money stream for long period. 

Besides, I have excellent credit score and never missed a payment.

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 2020-03-23
Company: SYNCHRONY FINANCIAL
State: CO
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 have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

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 2021-04-22
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Equifax will not send me my credit report. I requested it by the annual free report phone system, and Equifax sent me a letter saying I have had a free report in the last 12 months. 
This is incorrect. 
I have not received a credit report from Equifax in at least three years. Every year I try to get a report from Equifax, and I fail the questions. I suspect there is incorrect data in their report, but I can not get my report. I can not speak to them on the phone because I fail their questions. 
I locked my credit report with them ( I still have the pin ) at the time of their data breach, but I can not log on to their website because I fail their questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
the following accounts have been disputed on these dates for this reason : XX/XX/XXXX19, XX/XX/XXXX19,XX/XX/XXXX19, Incorrect balance, the date reported, and the account type is inaccurate. 

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 # XXXX XXXX XXXX XXXX # XXXX U.S. Bankruptcy Court # 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 2018-10-31
Company: Unified Retrieval Solutions llc
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
A person called from Unified Solutions on XX/XX/2017, said his name was XXXX XXXX. Said they had attempted to serve me documents and that since they hadnt heard back they were considering their due diligence complete and to consider myself notified. The callback number they left is XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2018-10-31
Company: EQUIFAX, INC.
State: FL
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:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX : Unauthorized Credit Inquiry Dear Sir/Madam, This letter is your formal notice to cease the unauthorized hard inquiries you are making intomy ( insert the name of the credit bureau here ) credit report. This is also a formal demandfor you to immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have these illegal inquiriesremoved. Be advised that I will be checking my reports to ensure you have had thefollowing unauthorized inquiries taken off my credit report : Line Item : Inquiry details XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX Inquiry from XX/XX/XXXX + Bank XXXX/XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + XXXX XXXX XXXX/XXXX XXXX XXXX from XX/XX/XXXX + XXXX XXXX XXXX/XXXX  XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank To the best of my knowledge, I have not signed any documents authorizing your organization to view my credit history. As such, your inquiry into my credit report violates theFair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you have any document that you believe authorizes you or your organization to make theaforementioned inquiry/inquiries into my credit report, I respectfully request that a copy of itbe sent to my address so that I may verify its validity. Given the growing cases of identitytheft, I'm sure that you'll agree with me that verification will protect both our interests.In the event that you do not possess my authorization, I request that once you haveremoved all unauthorized inquiries from my credit profiles, you should also remove all of mypersonal information from your records. Please send me confirmation that you havecomplied with these requests. 

Thank you. 

Sincerely, XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: PNC Bank N.A.
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
PNC Bank is not allowing funds to be added to XXXX. Not an account issue, it's an institution issue. Very disappointing when PNC Bank allows for internet banking on their own site but not through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been denied credit for the past two years since XXXX or XXXX of 2017 when I was purchasing my home. I have called on numerous occasion and even paid a professional company to assist me with updating what is reporting on my credit file due to denial of credit and loans. I'm not able to be authenticated over the phone with me being transferred 3 times due to mismatch information they have reporting on my file. I placed a freeze on my credit around XX/XX/XXXX of 2017 for 30 days and it was to be removed by XX/XX/XXXX, I attempted to apply for a credit card offer and was denied due to not having access to my credit file. They pull from Equifax. I called and after 45 minutes and two transfers, I was able to speak with an American rep that advised me I have two credit profile and it has been this way since 2017. One credit profile was at the old address I moved from XX/XX/2017 and the other is my current address. I was given 2 reference # due to the freeze was on both acct. This has been a living nightmare. 
Reference # XXXX, Reference # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Utah System of Higher Education
State: UT
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:
My student loan servicer is UHEAA They decided that they would just report me to collections because they " couldn't get a hold of me ''. which is absolutely ridiculous considering they have my cell phone number and I have been making all my payments. 

I requested they remove the negative reporting and they told me that the bureaus are the ones that remove that not them. I told them that is not the case since I work with credit all day and I know how reporting works. 

They again said they can not produce any documentation to show what they did was inaccurate. I am in the process of refinancing a number of my mortgages and this is causing a distress to me and considering this is all inaccurate I need it removed right away and they are giving me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Westcreek Financial
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:
This creditor is giving me no choice but to file a Cfpb complaint regardless I have been disputing this account since XX/XX/2019. I do not see that they are taking my disputes seriously as they keep on reporting the same information without investigation. 

The incorrect and inaccurate reporting is greatly affecting the credit score that hinders me from getting a car. I already disputed this account and called the creditor and yet they havent fixed this issue. This account is only reporting in XXXX  which I do not understand what is the basis on keeping it in my credit report. Most of the account information in the report was inaccurate. I would like this account removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-10
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:
Last year I discovered a false account with XXXX XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX XXXX refuses to stop reporting. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-14
Company: LoanCare, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In response to LOANCARE, LLCs correspondence dated XX/XX/2021 ( see attached ), the information they provided is still incorrect. Loancare does not keep accurate book keeping or accounting. My issue has still not been resolved. Loancare stated that my escrow account is short by {$1500.00}. 

On XX/XX/2021, I made a payment of {$2800.00} ( see attachment ), which LOANCARE did not apply to my account. The payment is sitting there because their system was not properly updated with my correct mortgage amount due monthly. Because of their slothfulness in updating their systems, it has caused the payment to not apply. Again, on XX/XX/2021, I made a payment of {$2800.00}, which LOANCARE has not applied to my account. The funds were deducted from my XXXX bank  account on XX/XX/2021 ( see attachment ). Also, on XX/XX/2021, LOANCARE sent me an Escrow CHECK for {$5800.00} ( see attachments ). In the correspondence dated XX/XX/2021, they stated that I am short in escrow by {$1500.00}. LOANCARE shouldve never sent me a check for {$5800.00} if I would be short in my escrow. My payment should be {$2800.00}. It should not be {$2.00}, XXXX. Again, LOANCARE should be shut down for the mishandling of several hardworking Americans mortgage accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Penn Credit Corporation
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I noticed this collection debt on my credit report that doesn't belong to me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2019 an ACH deposit of {$57.00} was made using my debit card number and by a mistake, it was deposited in the wrong banking institution Wells Fargo. The bank reversed it out of my account but was never sent to the XXXX  ( a third party company that makes deposits ) to credit back to my XXXX account. I contacted the XXXX that I provide delivery service for and get paid for it, I was waiting to receive my funds back to my XXXX account and they are requiring that I provide a letter from the financial institution which I did, however, the Wells Fargo indicated the last 4 digits of my checking account number which was not used and not my 4 last digits of my debit card number which it was deposited to. I call and requested a letter 2 times from the Wells Fargo with the debit card number and there refusing to provide a letter to the me with the correct reversal information, so I can be reimbursed back from the company I provide service for. Wells Fargo explain to me that my checking account has my debit card attached to it but XXXX explain to me that XXXX their processing company is requesting something with the last 4 digits of my debit card to refund the money back to my account with XXXX. It's been over a month and I still have recieved my money back.

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 2019-10-22
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has sent me a bill for {$210.00}. I am disputing this debt with the original creditor. I request that this company do not contact me anymore. This debt is not mines and I don't owe any balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: WELLS FARGO & COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Wells Fargo Opened a credit card account in my name and let someone charge over {$4000.00} worth of debt in less than a Month. I have been trying to resolve this issue for the last 9 months and they refuse to 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 2022-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed several time with transunion, XXXX, and XXXXn that the accounts XXXX XXXX  in the amount of XXXX and XXXX XXXX XXXX  XXXX in the amount of XXXX are not my accounts and to remove them. I experienced identity theft and there has been several bank accounts opened in my name and this credit card and loan.

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 2020-06-29
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my credit report and found this company listed I never received an official notice pertaining to this debt. 
I dont any contracts with this company and dont know who they are. 
I sent a dispute letter and still received no response from them. 
Just a update to my credit profile which is still inaccurate

Company response to consumer: Closed with explanation