BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Wells Fargo routinely fails to award bonus cash back for purchases made through its " Wells Fargo XXXX '' program. For example, I responded ( by " activating '' offer on XXXX web site ) to an offer to receive 10 % back on a purchase at XXXX XXXX. ON XX/XX/XXXX I made a {$45.00} purchase at XXXX XXXX with my XXXX credit card number ending in XXXX. I should have received {$4.00} cash reward. I received nothing. I used the XXXX card rather than a XXXX  card I could have received 5 % cash back, because of this offer. 

This is not the firat time that Wells Fargo has done this.

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 2022-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am filing this complaint as XXXX and Transunion have violated my FCRA right, fair debt collection practices act and Fair credit and billing act. I have requested a full validation under these three laws for this account name here by certified on XX/XX/2021 and have not heard back from anyone. XXXX XXXX XXXX XXXX. I wish to see the following information related to this account such as what right does the company have to collect and to request them to stop calling until a full investigation is taken. If they can't comply as requested, please remove this account from my XXXX 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 2022-01-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Experian will not give let me access my consumer report or credit file

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 2017-09-12
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:
Equifax mishandled my personal information including Name, Social Security #, Address, Birthdate, etc. resulting in a data breach in XXXX XXXX t
hat they confirmed I was affected by per their " Potential Impact '' site www.equifaxsecurity2017.com. They have put myself and millions of others at risk of identity theft/fraud due to negligent security protocols in handling consumer information. Also consumers were not informed in a timely matter as the company kept news of this breach secret for weeks! Further putting the consumer at risk while trying to save their own hide. They are simultaneously defrauding these injured parties with hidden terms of service that waive their right to sue the company in what is clearly a situation of criminal negligence/fraudulent behavior as indicated by the three Equifax executives that dumped stock immediately prior to the data breach announcement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-20
Company: Experian Information Solutions Inc.
State: NJ
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:
Experian XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 


By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Thank you for your time and help in this matter. 

Sincerely, 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 2019-12-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Reported fraudulent reporting to all 3 agencies, XXXX, XXXX, Transunion. All three agencies kept reporting fraudulent late payments on mortgage ( XXXX XXXX XXXX.Reported fraudulent reporting, agencies failed to remove fraudulent reporting - continuing false reporting for 10 +  months, totally decimating my excellent credit.

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 2021-02-24
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:
My personal sworn statement & Declaration : I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by federal and state law to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621.

The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.

I have filed a formal report with the Federal Trade Commission which I have attached to this letter. In addition, I have also corresponded with the agencies and creditors listed. The respective agencies have been very cooperative with me and have guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items Im requesting you do so for. I want to make it clear that I am not making this request in error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
See attatched : XX/XX/XXXX usaa Collection Letter. usaa Closed CFPB XXXX XXXX. I MADE THEM AWARE I DID NOT OPEN THIS ACCOUNT & I requested the Dr 's License Original Signed Contract usaa DISMISSED. usaa CONTINUES HARRASSING COLLECTION ON ID THEFT. see attatched statement MC end ( XXXX opened XX/XX/XXXX ) WITHOUT VERIFICATION. Balance {$100.00} NOT MY ACCOUNT. see attatched XX/XX/XXXX VISA CARD OPENED WITHOUT VERIFICATION end ( XXXX **CREDIT CARD FRAUD CLAIM ** UNAUTHORIZED TRANSACTIONS. ** I DID NOT OPEN THIS ACCOUNT XX/XX/XXXX, XXXX ) See attatched 1099-C CANCELATION DEBT XX/XX/XXXX USAA USED MY PRIVATE DATA FROM THIS ACCOUNT TO OPEN THE OTHER TWO. USAA HELD ME LIABLE FOR THREE ACCOUNTS DURING SAME PERIOD.XX/XX/XXXX I call to stop collection attempts. CLEARLY USAA does Not verify this account belongs to me. Rep informed me they can not speak to me anymore without me sending my license. I refused. Rep says are you a member of usaa.? All members are being required to send in LICENSES to update old info. I DO NOT WANT TO BE A MEMBER ANYMORE. USAA OPENS FRAUDULENT ACCOUNTS THEN COLLECTS ON THEM DURING A COUNTRY VIRUS EMERGENCY.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: JPMORGAN CHASE & CO.
State: CT
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:
My complaint is against Chase account # XXXX CFPB please forward documents to the mentioned company. Everything is very clear in the documentation Im sending. This is my last warning to Chase Bank to remove fraudulent related account from all 3 reports. My identity might be compromised and according to the Fair Credit Reporting Act, every fraudulent related account has to me removed from reports by law. I want an immediate deletion letter from Chase, stating the removal of the FRAUD related account. If this those not happen we will see in court what the judge decides. You have no idea how many violations you are committing here. My attorneys have them all and they are just waiting to your response through CFPB to pull the trigger in the law suit if necessary. Personally I just want justice and want the account remove, but if you want to go to court, that way it shall be. You didnt even investigated the case with a Federal Trade Commission Report stating what happen. Im trying to avoid court here for a negligence you committed, I understand that anyone can make a mistake, but that mistake is financially killing me. Please be reasonable. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to apply for a refinance with Wells Fargo. I have had my loan with them for almost 20 years. I have excellent credit, excellent payment history, and a permanent job. The first application was denied because they claimed a 10 year loan wouldn't benefit me but provided no details as to what that meant. The rep said a 15 year loan would be approved. All throughout they have continued to request documents- the same ones repeatedly. They also continue to ask for additional random documents. They have continued to delay the process because they do not want to give me a lower interest rate. They have run my credit report FOUR TIMES. They charged me twice. Now they want a letter explaining why I have so many credit inquiries when all four of them came from them!! They also want my tax returns for three years. It was an additional form I had to sign for. They recently created a covid form that even my rep had no idea what that was. Another purposeful delay. They want my HOA information even though I don't have any HOA on my home and never have. It's additional documents and additional delays but no rational reasons. They also want information on one of my retirement accounts. I actually have six retirement accounts, but they arbitrarily want information on one of them, which has nothing to do with a refinance. The rep tells me that this is the normal process but I find that hard to believe when he's not even sure why they are making so many requests. They claim that the home equity loan that I have has been suspended and they want me to write them a letter explaining why. It's not suspended. I used all the money and am now just paying it all back. It's roughly {$20000.00}. 
I know that I am not the only refinance complaint. Many of us are being delayed and denied refinancing for a lower rate by Wells Fargo. Home loan applications are not enduring this. Had they not created so many inquiries on my credit report and taken {$32.00}, I would walk away silently into the night. Now I can not.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-22
Company: Westlake Services, LLC
State: CA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX  in response to the letter I received from the bureau s tating WILSHIRE COMMERCIAL CAPI updated this account reporting it NEWLY CHARGED OFF WHI CH IS A VIOLATION OF FAIR CREDIT REPORTING ACT ... THEY ARE REQUIRED TO REPORT ONLY ACCURATE INFORMATION IN THIS CASE THEY ARE IN MULTIPLE VIOLATIONS ... WHICH IS WHY CFPB HAS BEEN NOTIFIED. NEXT COMPLAINT IS GOING TO FTC IF THIS ERRONEOUS ACCOUNT IS NOT REMOVE FROM MY REPORT IMMEDIATLEY ...   THIS AUTO LOAN PAST DUE AMOUNT WAS PAID IN FULL BACK IN   XXXX  . NOW THEY POSTED THIS ACCOUNT ON THE CREDIT REPORT TO ALL  XXXX  BUREAU WHICH DROPPED MY CREDIT SCORES AND NOW I 'VE STARTED TO RECEIVE COLLECTION CALLS FROM THEM ATTEMPTING TO COLLECT DEBT THAT I DO N'T OWN IN FIRST PLACE, WAS PAID OFF AND IS OVER  7 YEARS OLD ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we modified our loan and we were put in a " Shared Appreciation '' Agreement as attached. We understood at the time that what this meant was that they were " forgiving '' a portion of the " Principal Balance '' at the time and that the " New Principal Balance '' during the trial period ( which was only through XXXX/XXXX/XXXX ). We then understood that the modification became permanent and that out of the " New Principal Balance '' of {$280000.00}, {$170000.00} would be forgiven over 3 years commencing in XXXX. The agreement states that the portion of the New Principal Balance that is not deferred, shall bear interest " The Interest Bearing Principal Balance. '' That was {$110000.00} at the rate of 2 % interest and began accruing on XXXX/XXXX/XXXX. We want to sell our home and we called Ocwen today and spoke to two gentlemen, one who cut us off and another who stated " although we forgave the " Deferred Principal Balance '' of {$170000.00}, if you sell the house you would be responsible to pay 25 % equity ( if any ) up and above the " New Principal Balance '' ( described above ) which was {$280000.00}. We argued that this is not what the agreement said but rather it said it was based on the {$280000.00} instead of the {$110000.00}! We argued some more and he then said actually it is the total you refinance the home for in XXXX which was {$390000.00}! We then said you did not forgive anything! We can never sell our house then and it will never, ever be worth {$390000.00} and it will likely be years before it is worth {$280000.00} as it stands right now ; it is worth at the most about {$220000.00}! We believe that if they said that {$170000.00} was forgiven ; it really was n't and especially if they are saying that they go back to the original loan amount of {$390000.00}! 

Please see the attached agreement which again states that " Maturity Date The Shared Appreciation amount, if any, at the Maturity Date shall be 25 % of the difference between the Valuation of the Property as of such date and {$110000.00} ( the Interest Bearing Principal Balance '' as of the Modification Effective Date ( emphasis added ) less any credit determined by Servicer for Subsequent Capital Improvements and any amount of appreciation in excess of Deferred Principal Balance. '' When we pulled these documents up on their website today, they had the wrong Modification Agreement attached with Notary Signatures also. 
Questions : Was {$170000.00} really forgiven? It does n't sound like it to me. 
Why would we be told this reverts back to the original loan of {$390000.00}? This is absolutely no where on the Agreement. 
We kept asking about reduction for " Capital Improvements '' and they did not firmly state that applies! 

Thanks XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
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:
Capitol One has restricted my access to my credit card account.They say they need to verify my identity but all documents that I have sent through their secure email link and fax line have been rejected making it impossible for me to verify my identity to gain access to my account and I have also been forced to put a freeze on my credit and a fraud alert on my credit reports because I have no way of knowing who at Capitol One is gaining access to the documents I have sent so far.Calling their customer service line I am put straight through to their fraud department where due to the heavy accents of the people that answer the call I can not understand most of what is being said and they are convinced I am guilty of some type of fraud for trying to log into my own account with no proof and refuse to do anything to fix this issue and I have been hung up on repeatedly.This credit card account is in good standing and has been open since 2012 with no issues with account until this..The entire time I have had this account they had always acted in a professional manner until this issue now they are acting in a very rude unprofessional manner and refuse to come up with a way to fix this issue.HELP! Please

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-06
Company: EQUIFAX, INC.
State: CA
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:
I am unsure of who to or how to address this complaint. I disputed accounts with the credit bureaus. It's been over a month. Nothing back has been received. 

Can you get the credit bureaus to do some work? Several of these accounts are 7 years old and some aren't even mine. Why are they on my report and why aren't the credit bureaus fixing it?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Shellpoint Partners, LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
We sold our house, and close on XX/XX/XXXX. I contacted New Rez to request a payoff statement. After about a week and a half, a few emails and phone calls, I finally Had them fax it to me. Theres now an option to get it online that wasnt there before. 

The first two people I spoke with at the loan servicing dept. between the end of XXXX and about XX/XX/XXXX, when I finally got my payoff statement, both told me that there was a {$3600.00} debit added to the payoff statement because the first county tax was sent on XX/XX/XXXX. I questioned them over and over again about why that amount wasnt taken out of my escrow that has close to {$6000.00} in it, and neither could answer. Neither one could give me any kind of verification or receipt that the first county real estate tax was paid. 

Last Monday, I got a hold of the county tax assessors office to try and get a receipt for the tax payment, but they said they have g received anything yet. 

I called New Rez again. and asked for verification that the county tax was paid, and now this rep, and her supervisor told me it was never sent. I first asked him to send it out, but he said itd take 7-10 days or longer for receipt verification from the tax office, so then I asked him not to send the tax payment it since it was too close to our XX/XX/XXXX house closing date to verify receipt with the tax office. He said he could make a request not to send the delinquent tax ( not actually due here until XX/XX/XXXX ), but he couldnt remove it from the payoff statement. I tried to explain the whole thing, and asked him again why it didnt come out of escrow, but he couldnt answer. 

So now, at closing I have to pay title company the first county tax of roughly {$3600.00}, and I have to also pay New Rez fhe same {$3600.00}. Thats an additional roughly {$8000.00} I have to come up with at closing when I shouldnt have to pay either because my escrow balance should have covered that tax. 

So New Rez is getting the {$3600.00}, just to give it back to me instead of just removing it from the payoff statement. Sounds a little questionable to me. My last bank screwed up my escrow and if took me months after we refinanced to get some of it back. 

Could you please look into their payoff and escrow handling, and also why the first county tax wasnt made on XX/XX/XXXX like it was last year? Its hard for me to believe that they cant remove the county debit from the payoff statement. 

Sounds fishy to me. At least Im not in a situation where I need the extra {$8000.00} right away.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: NY
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 a bunch of inquiries on my credit report that I dont recognize. This is causing me from getting credit. I need this deleted immediately.The inquiries I need to be taken off my credit report are 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 XXXX XXXX XX/XX/XXXX In total its XXXX inquiries that I need removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation