BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-06-25
Company: WELLS FARGO & COMPANY
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
RE : Loan # : XXXX Name : XXXX XXXX SS # : XXXX To Whom It May Concern, I am writing this because I am so upset with the situation involving Wells Fargo and XXXX XXXX and the refinance issues with my mortgage. We have also filed a complaint with the AG and XXXX. 

We paid {$11000.00} PMI upfront when we originated our loan in XXXX. I called our lender Wells Fargo to inquire numerous times, about when the unused PMI would be refunded. Calls date back to XX/XX/XXXX. We were told after the refinance was complete and the loan closed out then the unused PMI estimated at {$9600.00} would be refunded to us. 
Our refinance was complete XX/XX/XXXX and today, XX/XX/XXXX we receive the information from Wells Fargo that we are NOT ELIGIBLE for a REFUND! We are owed {$9600.00}! Not one representative along the way mentioned one word about the possibility of not being eligible. Today is the first news of this!! 

I am requesting all calls that were recorded, per the disclaimer given at the beginning of every conversation, be pulled and listened to. I also request a look back at all notes with the Wells Fargo representatives back in XXXX up until XX/XX/XXXX be reviewed for any mention of ELIGIBILITY. You will find that there is none of the recordings or noted conversation of such involve their Representatives informing us of the possibility of not being refunded, but you will find that I called and inquired MULTIPLE times about our PMI refund. 

Today I held on the phone over an HOUR to be told that because we REFINANCED vs. Closing the Loan is the reason we are not eligible for refund. Our LOAN was paid off in order to REFINANCE. 

We spoke to NUMEROUS WELLS FARGO REPRESENTATIVES who also spoke to MULTIPLE PMI Specialists at XXXX XXXX with NO ZERO NADA mention of even the possibility of NOT getting the unused PMI back. Never ever disclosed. 

We are not just going to let {$9600.00} just blow away. This is UNACCEPTABLE. Next steps are legal actions. 

If at any point someone would have mentioned us POSSIBLY not getting the PMI back I would NEVER had refinanced. 

I would like a call back 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 2016-07-16
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed a complaint stating that the Public Record Information was inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law. My case concern no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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: Problem with personal statement of dispute

Complaint:
XXXX XXXX XXXX parked an old debt as if it was brand new ( illegal to do ). First tried it on XXXX. I filed a dispute and XXXX  removed the collection in four hours. The next day XXXX hit transunion and XXXX I disputed with transunion and they said it was accurate. I called to have the. XXXX and they said they called XXXX and XXXX said it was correct. IT WAS NOT CORRECT they did not even try to fix the issue. I believe transunion failed in their obligation to stop the illegal parking of the debt. Still waiting on XXXX dispute. XXXX XXXX XXXX and transunion are breaking the 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 2015-06-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My Trans Union credit report states that I opened a XXXX XXXX XXXX credit card in 2013. I called XXXX XXXX XXXX and they do not have a record of my having a credit card with them. C/R is used to describe the issue on the credit report. I would like this removed from my credit report as I have not used a XXXX XXXX XXXX card for several decades.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I do not have a Well Fargo account but a Wells Fargo customer provided them with my e-mail address. I therefore receive unwanted emails regarding bill payments, ATM transactions, statements being available, etc. The first e-email was received XX/XX/XXXX to " confirm your e-mail address for Wells Fargo ''. I obviously never confirmed the address but confirmation is apparently is not a requirement for them to start using the address. None of the e-mails have an unsubscribe mechanism. 

On XX/XX/XXXX I called Wells Fargo customer service and after speaking to 4 different people over the course of an hour I was finally instructed to forward the e-mails in question to XXXX. I started doing that and got automated replies indicating that they would investigate but never got any responses asking for more information and it did not resolve the situation. 

On XX/XX/XXXX I called Wells Fargo again and spoke to two representatives. The second, XXXX, claimed to have submitted a request to remove my e-mail address from the account. 

Today I received yet another unwanted e-mail from Wells Fargo.

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 2021-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Reviewed credit report in XXXX and noticed Account Balances and Collection accounts and balances reporting that were not mine ( from XXXX ). Filed disputes with XXXX, XXXX  and Transunion, reached out to the collection agencies and no one has validated these amounts. I have received statements of balances, but nothing that bears my signature or details the amounts they are trying to collect. I have asked the reporting agency as well as the collection agencies to provide validation, descriptions of what makes the amounts up ( detailed ) as well as authorization, such as a signature -- nothing has been provided, nor have the accounts been removed. Do believe XXXX  listed as a closed status, but these should be removed. In addition for accounts that they have reported as opened in XXXX or prior, they have not reported the credit history, only an ending balance that again has not been validated.

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 2021-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I was in a payment plan for three months and the company is blocking me from using the card. I paid {$82.00} for three months. A criminal is using my cards as well. They have duplicate numbers of XXXX. Also numbers XXXX XXXX XXXX are getting hacked from criminals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
RECENTLY questioned a public record on my credit file, asked that the information be investigated because clearly the furnisher has given wrong information ... ..US XXXX court sent a letter stating they do not furnish public records to credit bureaus ....

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 2021-06-25
Company: Experian Information Solutions Inc.
State: TN
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:
On (  XX/XX/2021 ), I mailed a letter to the 3 credit bureaus to remove inquiries I didn't authorize.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete

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 2015-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
This does not fit this category but is related. When refinancing my mortgage 9 months ago, I could not get the lowest rate due to multiple inquiries by a Auto Dealer ( XXXX XXXX 's XXXX XXXX ) that ran my credit report XXXX time for XXXX transaction. Since then I signed up for XXXX XXXX to monitor my credit score. My mortgage broken called and ask if I would like to re-finance again as now my credit score is higher and I cab get a better rate. From XXXX XXXX and my XXXX XXXX I knew credit score had improved. As of XXXX/XXXX/15 XXXX reported : TransUnion XXXX, XXXX XXXX and XXXX XXXX ( TransUnion ) XXXX. The notice from the mortgage broker listed my scores as XXXX XXXX, TransUnion XXXX and XXXX XXXX. 
Why are my scores different based on who is inquiring? A score is a score and should be the same no matter who inquires. I believe there is an unjust manipulation occurring. Also the reason for my credit score are also reported differently.I have too much available credit, but my outstanding balance to my available credit ratio is too high. If I reduce the amount of available credit, it impacts my outstanding balance to available credit ratio will increase. I have a derogatory public record or collection filed on my report. This was due to a medical bill that I was paying to the provider over a number of months. I was making payments, but they sent the account to collections. The collection company would not send monthly statements ( they do n't send monthly statement ), so I refused to pay until they did, they did and I have been making payments. I disputed with all XXXX credit reporting companies, only XXXX granted the request and has removed the dispute from my report, thus the higher score from XXXX. I do n't mind playing the credit score game, but the rules need to be fair and consistent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: CITIBANK, N.A.
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:
I have these accounts that does not belong to me and i want it to be remove from my credit asap. 

XXXX 1. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

2. Identity Theft XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX Account Number : XXXX This is not mine. 
6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft MACYSDSNB Account Number : XXXX This is not mine. 

9. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft XXXX Account Number : XXXX This is not mine. 


XXXX 1. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

XXXX 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXXXXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXXXXXX XXXX XXXX XXXX XXXX  Account Number : XXXX This is not mine.

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 2016-06-16
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan throuhgh XXXX has been sold to Seterus and I was never notified. I called Seterus on XX/XX/XXXX and found out I owed XXXX to get paid up to date. I let the customer service rep know could pay it on XX/XX/XXXX, the total amount and that I would authorize the payment over the phone to be withdrawn no earlier than XX/XX/XXXX. I had deposited a check for the amount that day, however I knew it would take a couple of days to clear, so I gave her the date of XX/XX/XXXX. The rep said I 'd be all paid up through XXXX XXXX at that point. Seterus withdrew {$2000.00} on XX/XX/XXXX which of course was returned as my check had n't cleared, it went through again on XXXX and cleared, but now it cleared for XXXX. Not sure why that was the amount requested. However, on XX/XX/XXXX they withdrew XXXX. I realized this XX/XX/XXXX, as I was calling to make my XX/XX/XXXX payment. Of course, the rep had no clue and said someone would have to get back with me, after a lengthy hold of course. Two days later I called back as I wanted to make my XX/XX/XXXX payment so it would not be late, and was told they have n't figured out the problem, and I could n't make my XX/XX/XXXX payment as I still owed an additional {$4000.00} to be paid up to the date of XXXX XXXX. Again this was after a 45 minute hold. She said it was a mistake that the original customer service rep did n't give me the correct amount but could n't tell me why those amounts were taken, and on the unauthorized date. Asked me if I 've not ever made a mistake? Seriously, the rep that took my payment even had a supervisor get on the phone to authorize it. So I 'm requesting transcripts of the XXXX phone calls of made. Taking money out of someone 's account is stealing when it is n't authorized. I will be seeking legal counsel. They are the most unprofessional cast of characters I 've ever encountered. Not one person knows what they are doing. A complete travesty. I need some help as I was going through a horrible time, my mother was in XXXX, For 1 month and 1/2, thank God she pulled through, and is doing well but this is criminal., I stayed with her in the hospital, even worked from the hospital, as if I had n't she probably would n't be alive. Furthermore, upon discovery of this transfer, I made the phone call and agreed to pay them up to date! I 'm disgusted! Still have n't received their welcome letter, imagine that!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have been the victim of ongoing ID theft and have several fraudulent inquires reporting on my Equifax credit report. I have sent Equifax a valid police report as well as other supporting documents. I would like for Equifax to please remove these fraud items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
Company: Navient Solutions, LLC.
State: MD
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 written letters to Navient Private Student Loans and XXXX  XXXX XXXX XXXX Credit Department for them to remove the incorrect remarks off of my credit report. The comments on my credit report reads as follows : Dispute Resolved/Consumer Disagrees. This comment is preventing me from moving forward with me purchasing a home. My lender from XXXX XXXX XXXX, tried to pull my credit file and could not obtain the file due to XXXX  having a block on the file and the incorrect comments that I have mentioned previously. I am so tired of going back and forth with these agencies. I am really tired and I need someone to intervene between these companies. I have written letters in XXXX, XXXX and XXXX of 2021 and nothing has happened. I need to move. My son and I are living with someone and she wants us to leave and I need to move. I have gone through XXXX XXXX XXXX XXXX  workshop and worked and repaired my credit and now I am at the point where I can go to a lender for financing and this obstacle is preventing me from moving forward. 

Please help, Ms. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I am writing to Correct the wrong information put on my credit Report by XXXX XXXX and your Company Equifax Information Services XXXX. XXXX XXXX XXXX, GA XXXX. 
for knowingly supplied this inaccurate information for over a Year on the credit file! 
This has seriously harmed my credit. I have Consider class action Law suit against the Credit Reporting Agency Equifax. claimed that Equifax violated the FCRA by the company Equifax allegedly erroneous reporting of XXXX XXXX XXXX on credit file. 

Under the FCRA, both the credit reporting company and the information provider ( that is, the person, company, or organization that provides information about you to a credit reporting company ) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the credit reporting company and the information provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-07
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting a collection account on XXXX XXXX, 2016 on my equifax credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My identity was stolen a few years back and I just learned that there are still a lot of hard inquiries and accounts on my credit that are n't mine. I had filed a police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: EQUIFAX, INC.
State: WI
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I called and spoke with an agent and then a manager asking to have my hard inquires removed. I have writte letters to each of the companies and have not received a response of validating or a letter of having the inquires removed. They are currently being showed on my credit report. 

The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 

The following credit inquiries are related to none of the aforementioned permissible purposes : 1. XXXX XXXX 2. XXXX 3. XXXX 4. XXXX 5. XXXX 6. XXXX Please remove these inquiries from my credit report immediately. I have enclosed a copy of my driver 's license as proof of identity.

Company response to consumer: Closed with explanation