BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-16
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received an email from Wells Fargo that misrepresented that I called about or applied for a credit card through Wells Fargo. I have a mortgage with Wells Fargo, but because I had never made the phone call about a credit card ( or at all recently ), I assumed that someone was trying to open a credit card using my personal information. For fear that my identity was being stolen, I called Wells Fargo to determine whether there was an application for a credit card, or any other product associated with the Company. There was not. This email is predatory and misleading. I have spent my entire morning during working hours trying to determine whether someone opened a credit card in my name, whether my identity was stolen, and who I would need to contact to file a complaint, etc. This should cease immediately. I called consumer finance gov about this when I received the email and the reference number is XXXX. 

This is the email : " Thank you for your interest in a Wells Fargo Credit Card. 
THANKS FOR YOUR RECENT CALL Here 's more information about accessing your current credit card offer Dear REDACTED, As a follow-up to our recent conversation, we want to make sure you have information on your current offer. Sign on to check your offer and complete your secure, prefilled application. 

From earning rewards currency on everyday purchases, * to getting discounts on dining, to booking preferred travel, there 's a Wells Fargo Credit Card that can help you make the most of your purchases and your passions. 

* Rewards currency is earned on net purchases ( purchases minus returns/credits ) only. Monthly or annual rewards program fees, cash advances of any kind, balance transfers, SUPERCHECKS, casino gaming chips, wire transfers, off-track wagers, lottery tickets, or bets or wagers transmitted over the Internet, fees or interest posted to a linked account, including but not limited to returned payment fees, late fees, and monthly or annual fees, do not earn rewards points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Data Breach through equifax I have a letter from XXXX XXXX  telling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
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:
I'm a victim of identity theft and as a result fraudulent inquiries and charges have been made on my credit card accout ( s ) and this has caused me to be misrepresented. My creditworthiness is displayed publicly to lenders causing a hardship. I'm also getting denied for future products.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I made a dispute with Equifax and it was n't the 1st time. It was the second ; I saw something else that had been sent into collections when I looked at my credit report. I actually check my credit report quite a bit. Any who, this time it was an energy company. I ended up calling this company and obtaining information from them about the fraudulent account. It ended up that the fradulent account i had disputed with them before which was a XXXX account ended up having the same address on the account. I would absolutely like this off my credit report. I 'm trying to raise my score and this is nonsense. Also i believe at the time they 're was suppose to be a temporary 3 month fraud alert in place. I hope that there is something you all can do. Thanks a lot!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: INTEGRAL RECOVERIES, INC.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was contacted by XXXX XXXX XXXX XXXX fromIntegral Recoveries Inc. It claims to be a collection agency representing the Colorado IRS department and states that I owe state property taxes from 2009. They have contacted me by phone twice in the last 6 months. They can not provide any details other than the amount owed. I 've never received a letter of notice from the IRS. My only communication has been through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My closed Suntrust HELOC second mortgage account has a fixed rate balance which I have always paid on time, including extra principal payments monthly. The changeover to Truist has been a nightmare, and I believe I am being defrauded. Specifically, the highlighted XX/XX/22 statement scan attached, clearly shows that I was charged TWICE in one billing cycle for {$130.00} interest, both on XX/XX/22 and again with an extra principal payment made on XX/XX/22. Yet another payment made after this billing cycle, on XX/XX/22, shows XXXX interest deducted. I am certain that when I soon make another payment, they will yet again charge duplicate interest within the same billing cycle. Their computer system is not only incapable of applying additional principal payments correctly, it is breaking the law. 
Yet Another, second issue is that a partial month final billing from Suntrust had already charged me for approximately 10 days interest, then Truist applied overlapping interest to that with their first statment. A third issue, is that Truist is NOT applying extra principal payments as principal only. They are applying them to future month 's payments, and charging me interest from those future months at the time I am making extra principal payments! They are charging me FUTURE INTEREST! THIS IS NOT LEGAL, as there can not be a penalty for paying a loan off in advance, at least not in Florida.

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 2015-03-23
Company: Ditech Financial LLC
State: AP
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
From my understanding that XXXX will not give extension until they get the approval from XXXX. The first had approval for XXXX was until XXXX XXXX, so with all this back and forth this did not happen due to we did not have approvals from XXXX nor Greentree. 

This is disappointing. It starting to feel like a tug of war, if we don not have this extension we can not move until this lien holder give approval. I never seen anything like this in my life and see how homeowners lose their homes. This short sale process is messy. 

At this point if we can not get these approvals and extension, we are going to have file bankruptcy. It is sad we had to XXXX out of home and active duty member is serving his country overseas and I have to tell him this disappointing news.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-04
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have made 5 yes 5 complaints against Experian with the CFPB this would be the 6th. They have never responded to my complaints stating : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I have been sending mail to them for over a year and have recorded phone calls of them stating that they confirm these accounts being Paid In Full in XXXX. Bankruptcy and credit accounts on report validation request are also ignored and I send them certified with a bill and copy of my ID. Experian has stalled for long enough. Please see previous complaints below and review all documents sent to experian directly by me. I have also attached my XXXX paperwork, bank document, a photo taken today with me holding a note to experian, my Ohio Drivers License, NC ID, Unemployment documentaion that came today and other mail sent to me today confirming I am me. The call I recorded is also attached in the previous complaints made but will not load to this one. There are so many documents that all can not be loaded due to the MB allowed. I will be willing to send them by mail or email if needed. 

A complaint was filed with the FTC on XX/XX/XXXX as well as the XXXX   on XX/XX/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 2016-11-01
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was behind XXXX mortgage payments with Wells Fargo. We successfully completed a loan modification and rolled the XXXX payments into the new agreement. In the mean time Wells Fargo took the amount of the XXXX payments from my credit union account without my without my knowledge nor permission. Simply put, they are taking these payments twice. This action has led to numerous overdrafts and fees as well as leaving me with no money. Wells Fargo has promised to rectify this situation daily since last week. As of XXXX EDT today ( XX/XX/2016 ) no resolution. Please Help! 
Respectfully submitted,

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 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
" I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: BMW Financial Services NA, LLC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
BMW XXXX Financial Services, by means of deceptive trade practices, wrongfully repossessed the vehicle from the representative of the Estate XXXX, when, I, XXXX, contacted BMW Financial to request payoff balance for the vehicle. Only until I wrote a letter to XXXX XXXX, President and Chief Executive Officer, BMW XXXX Financial Services, XXXX XXXX, did BMW XXXX Financial Services acknowledged their mistake by their misinterpretation of the XXXX XXXX Texas, Probate XXXX XXXX Estate Affidavit and Court Order for the Small Estate of XXXX XXXX XXXX. Nonetheless, XXXX XXXX XXXX wrote me back and in his letter dated XXXX XXXX, 2016 ( see attachment ), XXXX XXXX apologized for the negative experience and customer service experience that I, as the Representative of the Estate experienced. Additionally XXXX XXXX advised me the repossession fees, in the amount of {$470.00} would be reimbursed to me, XXXX XXXX XXXX the fees as I paid with certified in my name and referencing the account number of the deceased. 
However, when I received the check ( see attachment ), it was made payable to the decedent, XXXX XXXX XXXX and not myself. I wrote BMW Financial XXXX and once again I included the Probate Court Documents and further requested, by and through designated powers as being the Representative of the Estate, that the check be rewritten and made payable to : XXXX XXXX XXXX on Behalf of the decedent. As advised by my attorney previously, I have done this type of death notice and request with XXXX XXXX XXXX XXXX Bank and a few other companies holding any and all personal property of XXXX XXXX XXXX, to release such property should be transferred to the rightful Heir/Representative of the Estate of XXXX XXXX and it was successful. 
A letter dated XXXX XXXX ( see attachment ), 2016 XXXX XXXX, Special Accounts Team Leader, wrote back saying, " We are unable to send refund to anybody other than the account signers ''. 
This is in clear disregard of Texas Probate, Estate and Heirs ' property law. Among other Texas Deceptive Trade Practices law violations to issue a check to a deceased person, knowing there is NOT an XXXX Bank account as it is not necessary for XXXX Estate Administration in Texas. This is just another deceptive trade practice that BMW XXXX Financial Service has issued a refund with NO intentions or good faith of making good the fund distribution to the Estate representative for Estate settlement purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech Financial LLC who is my mortgage lender was mistakenly paying property taxes to a different parcel number or property with my escrow account for the year of XX/XX/XXXX, this led to having delinquent taxes on my property, placing my property under tax lien. Because property taxes were n't getting to my property, it also caused an escrow shortage on my account. although the delinquent taxes has been settled recently after going back and forth with Ditech for couple of months and dealing with bad customer service, the escrow shortage is still in effect which made my new monthly payment increased tremendously. 

The delinquent taxes has been settled last XX/XX/XXXX, on that same day I did a follow up call to make sure that they will run a new escrow analysis on my account so that my new monthly payment will be re-adjusted. 

I did another follow up call last XX/XX/XXXX a month after the settlement to ask why my new monthly payment still indicates a higher amount and was not re-adjusted. I learned that no escrow analysis was initiated after the settlement. 

Now Ditech is requiring me to pay the new monthly payment which is very high compared to my current monthly payment, the Ditech representative noted that they can not rebalance my new monthly payment until they receive the tax refund. 

This has caused me a lot of stress and loss of time dealing with Ditech back and forth in an ERROR that was not even from my part.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: WELLS FARGO & COMPANY
State: SD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I always try to be conscientious about my payments. In XXXX I made my XXXX payment. A few days later I made my XXXX payment. Because it was before the bank statement cutoff they applied my second XXXX payment to principal. Now that it is XXXX I received a delinquency letter. I pulled my payment history and took it to Wells Fargo and went over it with a personal banker. She called the student loan division and they told her because I made my payment before the statement cutoff they applied it to principal. Since I made this through Wells Fargo there was no way to indicate where to post the payment so they used their judgement. They refuse to fix this problem and wo n't apply the payment correctly. In the mean time I have had to make an extra payment. Now I show a delinquent payment when in fact I did not have XXXX. They should not be allowed to charge delinquent fees nor report to a reporting agency when in fact they are at fault not the consumer

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 monetary relief
Consumer complaint received 2016-09-09
Company: WELLS FARGO & COMPANY
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i see a account that never was closed out number one number two i have a saving account that i really did not open and number 3 a whole bunch of open claimes that are being filed by the bank please take a look at my account as i am a victem as well i beleive

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 2016-03-31
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX ' 2016 at XXXX ( PST ) I spoke via telephone with XXXX XXXX XXXX from Wells Fargo Home Mortgage, Customer Care and Recovery Group and did ask her to submit to us a ( 1 ) Payoff Statement and ( 2 ) Loan Payment History on a HELOC that we have with them. 
Up until today XXXX XXXX ' 2016 we have received nothing. 
These documents are very important to us, since we 're doing everything to our reach to avoid the foreclosure sale on our sole property. 
I 'll be XXXX years old XX/XX/XXXX and my wife will be XXXX by XX/XX/XXXX. It 's important to point out that we have been making monthly payments regularly for the last 18+ months. The main reason we did fall behind was during XX/XX/XXXX/XX/XX/XXXX while my wife was obtaining at age XXXX her XXXX Degree in XXXX and XXXX. She is well over {$100000.00} on student loans and need to be repaid ( $ XXXX+/month ). 
She is now working for XXXX XXXX helping XXXX with prevention of XXXX, XXXX, XXXX XXXX, etc. 
For us it will be a devastating blow to have to loose our only property, specially now that we can make our monthly payments regularly.

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 2020-08-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
For years I have been disputing items on my credit report specifically social security numbers that are not mine additionally to creditors that do not belong to me. I just found out that there is almost $ XXXX in collections that doesnt belong to me that has affected my credit score. I am constantly disputing things on my credit report but they keep on putting other things not mine back on. I have this problem with all 3 credit bureaus. Also because of incorrect information I have a hard time getting my annual report some times.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We did a refinance with Wells Fargo. The closing was XX/XX/XXXX. 
At the closing they said that it is difficult to calculate the payoff of the old mortgage and that we were getting {$3000.00} more than we needed. I think its a scam. They have to get closer than that. Now it is XX/XX/XXXX and we are still waiting for our XXXX. How many people per year do they do that too? Interest they make would be staggering. Again I believe it is a scam.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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 fraudulent accounts being furnished 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 non-monetary relief
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: TX
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Direct Recovery Services, LLC
State: UT
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Direct Recovery Services ph # XXXX XXXX XXXX reps name XXXX XXXX called me I spoke with him told him I am working with a company to consolidate my debts he just hung up on me then called my mothers phone and stated that if I do n't call him back I will be in more trouble then I ever have been in my life then he called my partners phone 4 times and my phone 4 more times I told him to cease and desist all calls and he told me I better watch out then he hung up on me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed