BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-17
Company: WELLS FARGO & COMPANY
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I responded to an email from Wells Fargo to refinance my home mortgage. The email stated how easy it would be since I was already a Wells Fargo customer. Wells Fargo purchased my mortgage last XXXX. I spoke with a mortgage specialist. He obtained my credit report. After going over my credit report he said there looked to be no problems, that we needed to proceed, and we should close in approximately XXXX days. He said we needed to order an appraisal of the house and said there would be a {$500.00} fee for that and I needed to pay it immediately. I paid the {$500.00} ; the appraisal was performed by a Wells Fargo employee. Then I heard nothing. The mortgage specialist then said the underwriter was looking at a short sale I was involved with in 2011 when I sold my home in XXXX, Michigan. He said the underwriter wanted proof the house was sold. I submitted the requested documents. Again a period of silence, I inquired about the status of the loan and was told Wells Fargo was rejecting the loan application since XXXX years had not passed since the short sale. The XXXX year anniversary will be XXXX XXXX. However, Wells Fargo purchased my mortgage last year when I was only XXXX years removed from the short sale. I fail to understand how I was a good credit risk a year ago, but I am unqualified now. I have never been late or missed a payment ; my income-to-debt ratio is the lowest it has ever been ; the loan-to-value is 52.32 %. Wells Fargo faced very little risk if they made this loan. 
My grievance is that the mortgage specialist had my credit report. The credit report shows the negative short sale of 2011. He stated that everything looked good and we needed to proceed. If there was a question of my creditworthiness there was no need to rush ahead with ordering the appraisal. My creditworthiness should have been ascertained prior to ordering the appraisal. It was nothing short of a money grab by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Other

Complaint:
As you can see from attached picture Capital One is reporting I have disputed this account. I do not know what this acct is and aparently neither do they. I spent XXXX hours, XXXX transfers and XXXX hangups speaking with reps in various departments. XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX, and XXXX others whos names I could not understand. I was transferred to XXXX Bank once who had no record of this acct either, after I was told it was theirs. Lastly i was told the information is old and they can not help me and was hung up on. That was XXXX. All i want is some help with this as it is hurting my chances at mortgages.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I just called and spoke to a representative by the name of XXXX, ID # XXXX, and she confirmed that the document, which is my XXXX XXXX Bank statement, her department actually received it on XXXX XXXX, 2015. She did not understand how a supervisor or her other fellow employees that I 've spoke to over the past could not locate it. She was nice to clear all of the security issues. At that time, she informed me that her company, Barclay Bank were going to approve me for a {$2500.00} credit card. I explained to XXXX that I was originally approved for a {$4000.00} credit card. This is when she transferred me over to the credit card customer service department and I spoke to a rep by the name of XXXX. XXXX informed me that he could not issue me a credit card at this time because he felt like I had not enough credit when in actuality, I have over 6 years worth of credit showing on my credit report. 
It was just very frustrating to wait for almost 4 months for XXXX Bank 's security department to locate all of my personal information only to be transferred to this rep in the credit card department for him to tell me that I do n't qualify for any of their many credit cards. 
Why would the same credit card department originally approve me for a {$4000.00} credit card back in XXXX on to have told me on XXXX XXXX that I do n't qualify. 
I called the President 's office of Barclay Bank right now and tried to speak to XXXX, but he was on vacation and would n't be returning back to work not until Monday so the rep I was speaking to transferred me to the manager of the credit card department. 
XXXX, which is the manager in the credit department is re-reviewing my application again and she is claiming because I do n't have enough credit history. She informed me that her departments does not just look at the credit score, or the fact that I 've never been late on any of my student loans, or car note, or anything like that ; that was still not good enough for me to obtain a credit card through their company. 
I 've never heard of any bank state that they do n't go off of credit scores to determine eligibility for a credit card. 
I wanted to cancel my application on many occasions but I was told that I could not cancel because I was approved. I was told this by supervisors in the security department as well as reps in he security department. 
I really just do n't understand why I was sent through that long process only to be told that I did not get approved. 
This should have been told to me at the beginning. I would not have been wasting my time or theres!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-16
Company: SYNCHRONY FINANCIAL
State: AZ
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 made several attempts to get verification or an explanation on how a credit inquiry was put on my credit report with no success. I have no knowledge whatsoever of the credit inquiry and where it may have come from. The company refuses to provide documentation bearing my signature as required by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XX/XX/XXXX I recieved a new wells frago credit card. I call wells frago to activate my card. The customer service agent asks for my checking account information. The customer service agent types in the checking account information incorrectly, missing one number. From XX/XX/XXXX till XX/XX/XXXX all my payments came back as insufficient funds on the wells frago side, even though all the funds were in my checking account. XX/XX/XXXX I call in to make my usually payment. I describe my issue with the customer service agent XXXX. She says let 's check the information to see if we have everything correct. XXXX discovers the checking account number was off by one number, a single digit. Wells Fargo found all this information in their systems. But they refused to take any responsibility.

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 2022-04-19
Company: Navient Solutions, LLC.
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I was with XXXX and Navient. During these times I asked multiple times if there was a plan that I could possibly be on to lower my payments however they continued to tell me my only option was Forbearance. Even when I was in XXXX XXXX in XXXX and XXXX they informed me that I had to go into forbearance as I was a full time employee. Another time when I filed bankruptcy I asked not to be in any type of forbearance as I knew my loans could not be discharged thru a bankruptcy so I didnt want to accrue more interest however I was again informed that my loans could not be collected on during a bankruptcy. I do believe these forbearance periods would have been ones that would count towards my XXXX program. 

I think this is very unfair as I never said I didnt want to pay I was asking the knowledgeable staff at Navient and XXXX to guide me not lie to me in order for my loans to rack up on interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: SC
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 the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 : also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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 the following companies 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 : also states a consumer reporting agency can not furnish a account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section 2 : 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 non-monetary relief
Consumer complaint received 2015-05-23
Company: WELLS FARGO & COMPANY
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Hello, I have a big problem with Wells Fargo bank my wife rented a vehicle from thrifty car rental, and gave them my debit card as a XXXX ID. she is not on my account, nor is she an authorized user on my account. she used her own credit card for that rental. a couple of weeks after that they charged my debit card XXXX dollars, i called them and they took it off so i called wells fargo, and told them that i feel that i am going to have issues with this company and to please cancel my debit card all together, which they did and the agent said as long as there is nothing on the account now they can not charge anything on this account about a month after canceling my card they charged my account XXXX i called right away and was issued a temporary credit and they told me that they needed a statement of what happened which i did on XXXX separate occasions, and i have the emails to prove it. Last week i got a letter stating that they are going to apply the credit back to my account because i did not send the proper information. i called an agent on the XXXX of XXXX and spoke to her. she said she will submit a request for more time to investigate on the XXXX of XXXX they applied the XXXX to my account, and now i am overdrawn for that amount. i called and warned them that i would call CFPB and FDIC and the agent bluntly told me that i have that right but that i have that right but that the bank also has the right to close m, y account at any time, which i do n't want they are a great bank, but this is a case of somebody not doing their job. i have since separated from my wife, but anybody can check with thrifty my name was never on that contract, and i never signed for anything. Please help me with this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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 ; the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

XXXX XXXXXXXX  XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without written consent.

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 2022-04-19
Company: Experian Information Solutions Inc.
State: AZ
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  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2016-11-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hi, We are doing banking for our company with WellsFargo from last 9 years. We deposited check ( frost bank ) into Wellsfargo for the amount of XXXX $ and money was withdrawn from frost bank immediately and wellsfargo says money will not be available for next 10 business days as the check amount is high. Customer service and banking service is really sucks.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: AR
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 decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: EQUIFAX, INC.
State: LA
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 ; the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC1681. 

Bankruptcy Chapter XXXX ACCT # XXXX Bankruptcy Chapter XXXX ACCT # XXXX XXXX  XXXX  XXXX  ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 15 USC 1681 Section 602 A states I have the right to privacy 15 USC 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish an account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-17
Company: EQUIFAX, INC.
State: TN
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 called Equifax Several Tines about a Hard Inquiry on my credit Report, the Company XXXX XXXX XXXX  have called Equifax several times to remove this Hard inquiry XXXX XXXX XXXX  XX/XX/2019, Equifax Still after 3 months still Refuse to remove this hard inquiry after the company told Equifax to remove this Hard inquiry asap/immediately as of today its still on my credit report this is wrong and illegal the company told them to remove the hard inquiry why haven't Equifax removed it yet I don't understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Law Offices of Robert A. Schuerger Co., LPA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
A law office has been contacting me up to XXXX times a day about me owing money to a school since I had taken out a loan and did n't finish the semester. Things happen in life and I obviously do n't have the money to pay the entire amount of the loan at this time or even an eighth of the amount. If I had that type of my money then I obviously would have just paid the tuition out of pocket rather than taking a loan out. All my other school loans are in deferment due to unemployment. This guy " XXXX XXXX '' talks very rudely to me and even had the nerve to ask me if I had any family or friends that could pay this " problem '' he referred to it being. I 'm tired of getting these rude and very unprofessional calls daily. I would like to not be contacted again. I know I owe the money and once I get a job and get stable in life then I will pay on the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: Experian Information Solutions 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, has violated my rights. 
XXXX XXXX  ACCOUNT # XXXX has violated my rights. 
XXXX, XXXX ACCOUNT # XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
XXXX XXXX XXXX  XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX TX, XXXX has violated my rights. 
XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA, XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX has violated my rights. 
XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX IN, XXXX has violated my rights. 
XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX TX, XXXX has violated my rights. 
RESIDENT VERIFY Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX UT, XXXX has violated my rights. 
XXXX XXXX Inquired on XX/XX/XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # XXXX has violated my rights. 
ID # 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 an account without my written instructions I DID NOT GIVE WRITTEN INSTRUCTION 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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