BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-18
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am filing this complaint, on my previous mortgage company, Wells Fargo Home Mortgage I have been in my home for 25 years. Wells Fargo Home Mortgage has been my mortgage company for the entire time. Since day one Wells Fargo Home Mortgage has paid my homeowners insurance annually, then billed me monthly for the coverage. Wells Fargo sent me a letter, via regular mail, advising me that my mortgage had sold and that I would be making my monthly mortgage note to XXXX XXXX XXXX XXXX. They also advised me that everything would remain, IDENTICAL. Except who I paid and where I sent the check. I was ok with the fact that my mortgage had sold because Wells Fargo Home Mortgage SAID EVERYTHING WOULD REMAIN IDENTICAL.On XX/XX/2023 my house caught on fire, the fire engulfed 75 % of my home, thank GOD WE ALL MADE IT OUT OF THE HOUSE IN TIME. I called XXXX XXXX XXXX XXXX to inform them of the fire and wanted to obtain the insurance companys phone number and contact. It was then, that I was informed that they had only placed lender insurance on my home. I was in shock and disbelief that no one notified me of this change, and that the rebuild and compensation for all my belongings were not covered on their lender placed insuranceWells Fargo Home Mortgage said everything would remain identical, but XXXX XXXX XXXX XXXX obviously had different intentions like saving XXXX which is the difference in cost from full coverage home owners insurance and lender placed insurance. Their was no indication that they had dropped the full coverage, my monthly payment did not go down, that alone would of raised concern on my part. Its almost as though they were being deceitful in their actions, that indicates to me they may have a financial incentive for doing it! Every single year my Homeowners insurance was paid by my mortgage company, then it was broke down into monthly installments and added to my monthly mortgage note. Wells Fargo Home Mortgage stated everything would remain identical

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 2019-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
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 sent numerous letters to update and correct my personal information on file with their company. request asking this credit bureau to update my credit file by removing all inaccurate personal information. I have asked for my address, name, social security number, date of birth, and employer to be updated. Additionally, I have asked that they remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. I enclosed a copy of my drivers license, passport, SSN card, and proof of residence on numerous occasions. As of today, old information still exists on 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 2018-02-05
Company: TENET HEALTHCARE CORPORATION
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2017 your Inquiry Resolution Specialist, XXXX XXXX, sent me a letter. This letter was XXXX XXXX XXXX attempt to validate a date. The said debt belongs to XXXX XXXX XXXX. The debt is not theirs to collect from me. 

The company went further on to send me a bill from XXXX XXXX XXXX that outlined medical procedures that had taken place. We BOTH know that is an automatic HIPAA violation. The company went even further as to present a document that could be used as a contracta contract between XXXX XXXX XXXX and XXXX XXXX. Unfortunately for the agency, the contract does not include XXXX XXXX XXXX. Also, the signature is not mine-at all. Each credit bureau has a copy of my identification and ssn card ( which includes my signature ). 

Due to the recklessness on your XXXX XXXX XXXX part, I have reported them to the Office of Civil Rights for their HIPAA violation. I have also reported them to the BBB for misrepresenting their actual power. XXXX XXXX XXXX is currently banned from collecting in the state of Illinois -- which is my current residence. Also, since this agency is responsible for the only collection any of my three credit reports, their false reporting has caused me undue damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: EQUIFAX, INC.
State: CA
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:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I closed on a mortgage with XXXX XXXX XXXX XX/XX/XXXX that required PMI to be included. I was told to have the home re-appraised in 6 months to have the PMI cancelled. Just after closing, the mortgage was sold to Wells Fargo. Subsequently, I remodeled the entire interior of the home, bathrooms, kitchen, plumbing, etc.as well as new carpet and paint the whole house. I had the home re- appraised in XX/XX/XXXX which resulted in 79 % Loan to Value Ratio according to Wells Fargo . ( remodel was mentioned in the new appraisal ). XX/XX/XXXX, I receive a letter from Wells Fargo reading, even though your loan does meet the LTV ratio requirement indicated above ... ..you need to take additional steps to cancel your PMI .... send us receipts of structural improvements only or a check for {$32000.00}. The supervisor I later talked to said none of the remodeling I did was considered structural therefore does not count. 
The house originally went on the market for {$320000.00}. I purchased it for {$280000.00}. The original loan amount was {$250000.00} ( 90 % LTV ). 
The supervisor I talked to today, said it doesn't matter if the house is worth more, only if there are structural improvements or not.

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 2023-01-22
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: Old information reappears or never goes away

Complaint:
Late payments for loans over 10 years old from XXXX XXXX XXXX XXXX. XXXX XXXX not properly reporting the amount owed and still showing the card is maxed out when it's not.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, INC.
State: PA
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 have hard inquiries on my credit report that I did not apply for.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, KS XXXX XXXX ( XXXX ) XXXX I have tried calling explain to company my identification was confiscated and ive pressed charged on the person and I didnt make this purchase. 
Delete Late payments from XXXX from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 your company is in clear violation of the law under 15 USC 1681b-Permissible purpose of the consumer reports the law Cleary states . ( b ) in Genral subjects to subsection ( c ) any consumer reporting agency may furnish a consumer report the following circumstance and no other. ( 2 ) in accordance with the written instruction of the consumer whom it relates. did I give you written instructions on my credit report? ( A ) Subject to section 1681s-3 of this title any ( i ) reports containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my credit report. failure to respond satisfactorily with deletion of the above referenced account and send out a free copy of my credit report after changes have been made will result in legal actions being taken against your company, for which will be seeking {$1000.00} per violation for : 1.Defamation of Character ( per se ) 2.Negligent Enablement of identity fraud 3.Fair debt collection practices act 15 USC1692g violations 4.fair reporting act 15USC 1681 violations for willful noncompliance- 616. Civil liability for willful noncompliance 15USC 1681n Best regards

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 2023-09-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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 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 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 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 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 2021-09-23
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Good afternoon, On XX/XX/XXXX I realized that my savings account with Chase Bank had been compromised via XXXX. Someone had gotten access to my savings account information and attached it to a XXXX account, fraudulently used my name, but not my social security number, address, email or phone number. They did not have to provide any type of verification that they were who they said they were and Chase allowed them to steal over {$6200.00} worth of my hard earned money. I am a single mom trying to raise a daughter in California and for this to happen to me is devastating to say the least. I have since closed my account with Chase. 

The transactions started on XX/XX/XXXX XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XX/XX/XXXX - {$190.00} XXXX = {$790.00} XX/XX/XXXX - {$190.00} XXXX = {$790.00} XX/XX/XXXX - {$420.00} XXXX - {$490.00} XXXX - {$990.00} XXXX - {$1900.00} XXXX- {$6200.00} Don't we put our money in a bank to protect it? They refunded me only {$990.00} to then send me a letter on XX/XX/XXXX asking for that money back! They know this is fraudulent activity and XXXX has verified this as well with the countless calls I have made to them, but never has anyone sent me any correspondence regarding how this has happened or why. I can't get anyone to give me a clear answer and I'm disgusted. This is my last hope. Please help me get back what is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: CA
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:
Equifax which has collected mass amounts of personal information has been breached and this information was shared against my knowledge or consent. This breach is reported to have happened between mid-XXXX to XXXX of 2017 and was n't disclosed until XXXX XXXX 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-13
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX and Account # XXXX XXXX XXXXXXXX, 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 an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-25
Company: Specialized Loan Servicing Holdings LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted Specialized Loan Servicing in writing requesting my Private Mortgage Insurance be cancelled on XX/XX/XXXX. I didnt receive a response so I called them on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and was told on all occasions I was sent a form that I needed to complete. I advised I never received a form and each time requested they mail it out again. Over a year later I still have not received any documentation regarding my request. I asked for it to be faxed or emailed and was told thats not possible.

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 2019-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 have filed numerous disputes advising the credit bureau that the public records listed on my credit report are not mine and is from identity theft. 

I have been advised that they have investigated but will not provide me the person name they spoke with to verify. 

Ive provided police reports, identity theft reports and documents from the courts to support that they have not been contacted to verify this information.

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 2023-09-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
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 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 If you feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the items are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: Upgrade, Inc.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I used my atm card issued by upgrade and did not receive any funds I tryd processing the same XXXX withdrawal transaction 5 different times because I kept getting error message andy car note was pass due. Finally after the fifth attempt I left the ATM totally unaware that what that error messages code it was displaying some in regards to them taking my money. nevertheless once I found a total of XXXX was missing from my upgrade checking account I immediately called upgrade to dispute the missing funds. Upgrade failed to do a proper investigation and as yesterday XX/XX/23 they representative told me they were unable to provide documentation used in the investigation to deny my ATM. Upgrade has clearly violated my Consumer rights by not giving my money back, providing documents in a timely manner and by not communicating none of this dispute process with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
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: Information belongs to someone else

Complaint:
I've been attempting to dispute fraudulent accounts with the bureaus since XX/XX/XXXX when they were first brought to my attention. I mailed out the first letters, which USPS tracking showed were delivered on XX/XX/XXXX, requesting the fraud accounts to be investigated and removed if found to be fraud. I received no response, so 35 days later, I sent another letter which was delivered on XX/XX/XXXX. Another 35 days and I still received no updates and the items were still showing on my report. This was troubling. So I sent additional letters, giving the bureaus time due to COVID. The letters were delivered on XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX. To date, I have received no updates, the accounts are still showing on my report and my lawyer is getting antsy to sue. This is my last option for the bureaus to remove the false accounts before I take up my lawyer 's offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-27
Company: CURO Intermediate Holdings
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. 

On XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX add a hard inquiry on my credit reports. 
On XX/XX/XXXX, SPEEDY CASH/CURO add a hard inquiry on my credit reports. 

But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-05
Company: Block, Inc.
State: ID
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:
Square will NOT provide me proof of the said debt. I used square to process two of my clients transactions, both of which were not deposited into my bank account, Square claiming to have held the. To resolve my negative balance. This is all the information they will provide me with. I have tried for weeks to work with them, however, they will not return my money without proof of a report using the FTC website, which has referred me to here. Apparently, some random email address was able to attach to my Square business account for XXXX XXXX XXXX, and somehow created a negative balance however, this transaction I have not seen, nor will Square provide further documentation of this as I stated previously. The amount I have had withheld from me from card payments from my clients is roughly {$250.00}. Square will not disclose to me the exact amount of said negative balance. This is the extent of knowledge I have regarding this matter.

Company response to consumer: Closed with explanation