BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX continued. 

Spoke with XXXX XXXX from the WF Exec office, and as per my prior conversation XXXX XXXX and WF continue their trickery. 

I never agreed to the mediation resolution for the HELOC loan. There is no documentation and I never agreed.

The sole purpose of the mediation was to discuss the HELOC loan and my request for XXXX, XXXX XXXX The trickery is that WF agreed to discuss a CHECKING ACCOUNT only and agreed to discuss the HELOC loan at a later date, after the mediation WF continues false assumptions to what was discussed in the mediation and is tricking CFPB and other customers in more fraudulent behavior. 

XXXX XXXX and XXXX XXXX do not tell the truth and are misleading CFPB. Please reach out to alternative POCs at WF. 



Per WFs request by mail to go through a mediation process on XX/XX/2023, may we please proceed. Please assure that WF does not apply trickery and delay tactics as they practice on a ongoing process. All the issues are real and they need to be held to account. WF has belayed and continues to say that they have reviewed the issues yet has done nothing. WF never looked into the fraudulent activities of XXXX XXXX XXXX. The Builder XXXX  XXXX has passed, was sued by all the clients and filed for bankruptcy and eventually filled for title... I provided XXXX XXXXXXXX XXXX phone number and all other contact information, The bank is liable for his actions and all the other questionable banking activities. I asked not to close the loan, no other bank would provide banking services to XXXX XXXX and through out the loan WF behaved in an unprofessional matter befitting a bank. WF tricked me into going to mediation and only agreed to discuss the checking account and then turned around and stated that the mediation pertained to all the issues with WF which is untrue. They should be out of the banking business and the mediation lawyer assured me that I can pursue the issues but refused to provide a written statement. Please investigate WF for fraud and lying to customers and gaining financially. They were required by CFPBB to make good on their wrong doing yet they have yet to provide adequate compensation. The WF game continues. The gate keepers, XXXX XXXX and XXXX XXXX are following the WF line and should be in a different position or business. Please provide a more truth telling POC WF as in the past is playing the clock. Please hold them to account so we may truthfully mediate.

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 2022-02-28
Company: EQUIFAX, INC.
State: MS
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX ha

s violat ed 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 acco unt without my wr
itten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: SELECT PORTFOLIO SERVICING, INC.
State: VA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
On or around XX/XX/XXXX, I applied for a short payoff of {$130000.00} with my mortgage Servicer Select Portfolio Services. I was notified a few weeks later that my request was denied. I called and was advised that I can file an appeal which I did. I filed the appeal on XX/XX/XXXX, but this time received a modification which is only saving me {$50.00} per month. 

This is the reason why this plan the mortgage company has for me is not working. The amount of outstanding balance is {$180000.00}, the adjustable interest rate is 10.25 % and my payment is {$1900.00} per month. The property appraisal which was recently conducted by the mortgage company is {$130000.00}, this means, I am {$46000.00} in the hole. Select Portfolio Services does not do refinances so they can not help me in this area. 

I applied for a refinance with another mortgage company which offered me a FHA 4.00 % fixed rate of interest with an approximate payment of {$1000.00}, this is a savings of {$870.00} per month. The only thing that is preventing me from getting this refinance is the loan to value of the house. 

I know I should not have signed the original loan but, my husband and I were senior citizens and did not fully understand that the rate was going to get so high. We had to file a chapter XXXX which got discharged a few months ago in order to keep the house. My husband XXXX who is also on the loan is XXXX years old and working FORTY hours per week as a XXXX XXXX just so we can pay the mortgage. Lately, his health has not been good and within the next six months, the doctors advise him that he must stop working. I am XXXX years old, have some health issues also and is getting ready to retire in XXXX of next year. After retirement, we can not afford to keep this house with this same payment. 

We are older and would love to stay in the house since it is custom made for us. It is hard as senior citizens to pack up and move. We are trying to keep the house, but is in desperate need for your help. We were senior citizens when we refinance this house and should have never been given such a high interest rate, this is predatory lending, we were definitely taken advantage of. By doing a short payoff, we can get a much lower interest rate which will in turn lower our payment by {$900.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
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: Account status incorrect

Complaint:
I completely paid off and closed my XXXX XXXXXXXX XXXX XXXX/ XXXX XXXX account. It is still showing up as three separate accounts on my credit. Two of the accounts say they have been paid and closed with {$0.00} owed. Today ( XX/XX/22 ) I checked my credit & it decreased XXXX points due to inaccurate reporting from XXXX  XXXX XXXX XXXXXXXX XXXX XXXXXXXX saying I owed a total of {$5300.00}. I have documentation to show proof of innacurate information. Reporting information that is inaccurate or not reported correctly violates the Fair Credit Reporting Act. It has led to financial injury and mental distress. I have contacted them almost 5 times without receiving any type of resolution or remedy for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I attempted to use my American Express card on XX/XX/XXXX. The attempted charge was declined by AMEX. I called AMEX to check the status of the card. AMEX stated the account was closed because AMEX received a letter stating the account was created fraudulently and the card holder wanted the account closed. Without notice, explanation or permission, AMEX closed my account. 

The account is in good standing and payments are made timely. I have had the account since XX/XX/XXXX. 

I did not ( nor did anyone I know ) send a letter to AMEX telling them to close the account. AMEX is aware of my concerns and suggested that I file a police report. 

I suspect that the letter ( which AMEX would not release ) contained enough sensitive information for AMEX to act and close the account. Which means the party that filed the letter probably has my DOB, SSN, address, account numbers and other sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, And, XXXX XXXX XXXX, has Fradulent accounts on my credit profile that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Midland Credit Management continues to harass me multiple times a day over a debt that is not mine. I have told the company multiple times this debt is not mine. Have told them another person in Missouri has my same name. Told them to take it off my credit and off of their call lost. The company in the beginning almost had me tricked into thinking this was my debt. I have verified with my files this is not my debt. Company says I need to have a police report to start the process of removing from their list. Company is a scam and trying to get money by using harassment tactics and they ca n't even send verification of the charges to make up this so called debt owed by me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing this complaint because TransUnion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2017-04-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
- Not a Valid collection - Item was to be deleted with Payment - Item Shows with a dispute Remark on my Credit Report after the Fact it was Resolved and Settled - Amount was n't clear from the Beginning and i disputed to inquire about the correct amount - Representative never got back to me or replied and took it from collection to reported on my credit report - i was forced to settle it because i was denied renting an apartment for my family until i settle this amount - fro m 2015 u ntil  XXXX ,  XXXX  and  XXXX  still shows as a dispute Remarks on my credit report Check Attached file Page  XXXX    XXXX   XXXX    XXXX  Account #  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 2016-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Billing disputes

Complaint:
Thought card was on autopayment, it was not. I attempted to submit payments online through Capital One 's website and thought everything was good. I 've paid on time with Capital One ever since I opened my account. They sure were quick to report me as 30 days late on all credit bureaus. I contacted them and they told me they can not do anything. I contacted all XXXX credit bureaus and they informed me to contact Capital One. I 'm stuck in this endless loop. I understand that they do n't have to make any adjustments. But, I believe their website had issues and I do n't understand why they are so adamant about not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After reviewing my Trans Union Credit Report, I noticed the there was XXXX account listed as XXXX XXXX Mortgage XXXX XXXX Showing a 30 day or more later payment. I called Trans Union to clarify this being XXXX XXXX Mortgage XXXX. 
I Have a mortgage with this company. I knew this information was incorrect because I pay my mortgage every month without fail on or before the XXXX of every month. I also knew that I could prove that this transaction takes place every month, because it is paid from my bank account. 
I then filed a dispute with both the credit bureau and XXXX XXXX XXXX, Providing both of them with my bank statements for the past 12 months showing my monthly payments without fail. 
One month later Trans Union sent me a copy of my credit report with the same information showing. I then called Trans Union to ask why it still showed a 30 day late payment and was told that Trans Union does not except bank statements as proof of payment and that the information would remain until XXXX XXXX made the correction. 
This negative reporting on my credit report has impacted my credit score greatly. It is unfair that Trans Union would except false reporting from a company, and then refuse proof of payment by the consumer. 
I ask that this be looked into further please.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My wife asked at a hotel desk for a cab to go to the local XXXX XXXX in XXXX XXXX MD. 
The desk clerk told her, " We have our our own service '' The boss of the limo service she called knew when the clerk called him that my wife wished to go to the XXXX XXXX, a {$24.00} fare with tip. Without asking permission to do so, the driver of the limo which the boss assigned took my wife all the way by side streets to XXXX for {$84.00} including tip. She was unfamiliar with the area. As she was alone in the car, she paid with a credit card in order to avoid confrontation. We are nit disputing that she was the one who signed the charge. We believe that the driver " took her for a ride '' by deception. 
Afterward when we complained to American Express about the deceptive practice, they simply sent us a copy of the driver 's charge signed electronically by my wife and said it was an authorized charge. We felt that it was deception and continued to generate supporting letters to the American Express Fraud Department trying to explain what happened. Each time American Express sent us the same unsigned form letter denying the complaint, along with another copy of my wife 's signature, claiming that the driver stated it was a valid charge. It seemed that American Express did not ever once even read any of the documentation about the deception. After the third denial we would like to escalate this dispute as American Express is completely unresponsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
On-line, I placed credit freeze at TRANSUNION on XXXX/XXXX/XXXX due to identity theft. Paid a {$10.00} fee using a credit card the police report would not be available for XXXX to 7 days after making the report. On phone, was told by a TRANSUNION representative to send the police report by FAX and request a refund of the {$10.00} fee. Faxed the police report and request for refund on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, a TRANSUNION representative stated that I would not get a refund because the police report was not submitted concurrent with the online transaction. The TRANSUNION website XXXX displays a table listing the XXXX provisions regarding credit freezes. Under XXXX victim, the entry is as follows : State Requirements Fee Information Add Lift Remove XXXX Identity Theft Victim Free** Free** Free** **In order to be eligible for free Security Freeze services, you may be required to provide proof of eligibility by mail. Click here for more information. 

The 'click here '' leads to the following information : " If you believe you qualify for a free Security Freeze due to identity theft you must supply our office with a copy of a Law Enforcement report alleging identity theft that has been filed with your local law enforcement department or the XXXX. 

If you believe you qualify for a free Security Freeze due to your age, please send us verification of your date of birth with your Security Freeze request. Acceptable forms of verification include XXXX of the following documents that show your date of birth : a birth certificate, driver 's license, state identification, or some other legal document indicating date of birth. 

If you are a resident XXXX and have documentation XXXX from the court, a law enforcement agency, a licensed medical or mental healthcare provider, or social worker, please provide our office with a copy of the document to receive your security freeze free of charge. '' Mail : TransUnion LLC XXXX. XXXX XXXX XXXX, PA XXXX I explained to a TRANSUNION representative that XXXX refunded a {$10.00} fee the day after receiving a faxed police report. My understanding of XXXX law in this regard is that a refund is required. A TRANSUNION representative stated that if I had made the freeze request by phone, the TRANSUNION representative would have suggested a no-fee credit fraud alert until such time as I had a police report. Therefore, my {$10.00} fee would not be refunded. 

I believe that TRANSUNION has engaged in deceptive practices in this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
A request for an investigation was sent XXXX/XXXX/16 to TransUnion and it has exceeded 30 days. I have not received any status update nor investigation results which is a violation against the Fair Credit Reporting Act.

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 2016-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have been reaching out to Trans Union for years. The most recent are inaccuracies which could result in me having to remain renting a room for $ XXXX/month and not getting accepted in a house or apartment. I am frankly tired of disputing and that Trans Union is not properly showing my payment history. A letter is provided accordingly in addition to the inaccurate report. My score has plummeted XXXX points because of their faulty reporting and defaming my name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I found 2 addresses on my credit karma report where I 've never lived. I have had my XXXX / ATM card used fraduantly in the past. I got a new card back then, and did not think there were any further problems until today until I click on my credit information. I 'm not well versed in this. And will have to seek help to resolve this. As 1 address is in a state I 've never even visited..

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
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: Reporting company used your report improperly

Complaint:
Equifax They need to pay for their negligence. My personal information has been compromised. There is no way to tell the extent of the damage. My identity could potentially be stolen for the rest of my life now. Because of this scam we call credit in the USA, Equifax has all of my personal information WITHOUT my consent and now it is in the hands of criminals. How is this legal? I can go on and on about the problems that exist in this situation. But, will anybody care enough to do anything? Hey CFPB, do your job and protect the people! This company deserves bankruptcy, no such thing as too big to fail. If I was personally responsible for such a breach in security, I 'd be rotting in jail, why are n't they?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: DISCOVER BANK
State: VA
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 purchased a pair of shoes and the wrong pair of shoes showed up. I tried to return to the seller ( XXXX ), but the return email address would only throw me into an endless loop of email example I send back a response and get over 30 replies back within 10 minutes from some robotic system. 

I then tried to use XXXX dispute and it would not answer the call, so I called discover card who actually funded XXXX account. The rep could n't get them to answer as well. So they agreed to talk to a manage read get back with me. They never do. I went through this process with them 3 times. NO one has ever contacted me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Problem cancelling or closing account

Complaint:
I contacted XXXX XXXX on a closed acct closed on XXXX, XXXX, 2011, that i was a co signer on and i asked that the negative be removed from my credit because it was causing a hardship. They said they were keeping it for XXXX years. I would like this removed the loan was paid off and it is causing my family a hardship.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation