BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-09
Company: Ditech Financial LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The complaint is about how DITECH Mortgage Servicing has mishandled the Homeowner 's Escrow account with regard to Homeowner 's Insurance. 
The homeowner 's insurance provider XXXX XXXX informed homeowners that they were exiting all personal coverage lines ( homeowners, auto, life, etc. ). The homeowners CANCELLED coverage with XXXX XXXX and ESTABLISHED coverage with XXXX XXXX. DITECH continued to pay premiums from escrow to XXXX XXXX. DITECH also began paying premiums from escrow to XXXX XXXX. Homeowners were UNAWARE that XXXX XXXX had failed to actually CANCEL the coverage as requested by Homeowners. Homeowners were furthermore UNAWARE that DITECH was DOUBLE-PAYING. Why would they be aware? DITECH is entrusted with escrow so as to service and monitor such things. If Homeowners had been handling their own premium payment this mistake would not have happened. DITECH made the mistake, not the Homeowner. 
NOW that the Homeowners have been made aware of the situation by DITECH, the Homeowners have rectified it in a timely and efficient manner. HOWEVER, DITECH is going to assess the Homeowner a LATE FEE?? AND it will reflected on the HOMEOWNERS ' CREDIT REPORT?? This is patently unfair and is just the kind of activity the CFPC, FTC, and the GA XXXX will want to hear about. It is in the same league as the recent XXXX XXXX case that is in the news this week. If DITECH is this careless with this Homeowner 's account, it probably is with others. DITECH, not the XXXX, made the escrow mistake. DITECH has been asked to CANCEL and REVOKE any and all late fees associated with DITECH 'S mistake - but they refuse. 
All the Homeowners want is for none of this to appear as a negative ding on any credit report and for the late fees to be revoked.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: EQUIFAX, 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:
There are some accounts on my credit report that I do not recognize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are some accounts on my credit report that I do not recognize

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 2015-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unfortunately I was the victim of identity theft. I have done everything required of me by law to substantiate my claim and submitted a report number, an FTC complaint number and an FTC Affidavit to TransUnion via certified mail. TransUnion refuses to honor my claim & the evidence submitted. TransUnion continues to report fraudulent & inaccurate information on my credit report. The FCRA ensures that all information contained in a consumers file is 100 % accurate. The following accounts are inaccurate and/or fraudulent ; 1 ) XXXX # XXXXis not my account please remove this from my credit report. 
2 ) XXXX XXXX XXXX # XXXXis not my account please remove this from my credit report. 

3 ) The XXXX/XXXX/ XXXX XXXX # XXXXis not my account please remove this from my credit report, In addition to this account being reported multiple times. 
XXXX XXXX # XXXXis not my account please remove this from my credit report. 
4 ) XXXX # XXXX, XXXX & XXXXAre not my account ( s ), please delete them from my credit fileI would also like for TransUnion to send me my entire credit file as required of them upon request per Section 609 ( a ) ( 1 ) ( A ), so that I may have the verification sent in by these alleged creditors examined for signatory forgeries.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: WELLS FARGO & COMPANY
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am a co-signer for a student loan through Wells Fargo Bank. We are having trouble making our payment. The bank is making any effort to " restructure '' the loans impossible. We would like to combine them into XXXX loan with a fixed rate. I do n't know what to do. 
The more I look deeper into this, I 'm realizing we were giving bad information by my sons college / financial department. Steered towards 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 2022-05-15
Company: Experian Information Solutions 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina 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 explanation
Consumer complaint received 2022-10-04
Company: EQUIFAX, INC.
State: PA
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-13
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Denied credit for dubious reasons : " Derogatory public record or collection filed % of balance to high credit on banking revolving or all recolving acct Too few accounts currently paid as agreed '' 1. I have 1 collection accnt 2. This is a false statement 3. I have 3 accts. How can they deny me new accounts when I am not using them?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, DEPTEDXXXX has fraudulent accounts on my credit profile that need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Account # XXXX my rights have been violated according to the FDCPA, 15 usc 1692. As the original creditor and natural person i did not give this company permission to report any of my personal information to any consumer reporting agencies. According to 15 usc 1692d ( a ) ( 2 ), a company can not report anything negative to my consumer report that will ruin my reputation. The FCRA, 15 usc 1681, states our consumer reports represent us. Therefore, they are ruining my reputation. This is false and misleading This alleged debt has not been validated, according to 15 usc 1692g it has to be validated for it to be put on a consumer 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 2015-05-26
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2015 my son XXXX received a check from Social Security for a settlement on his XXXX claim, since he has no income he does not have a checking account.The plan was to deposit his check in my account and start a new account at another bank. He endorsed the check and i did too, i then deposited the check in the atm at the bank. This procedure take until the next day for the check to clear.I was aware of this and when i looked at my account on XX/XX/2015 there was no deposit and a note was attached to the deposit.I then called the banks help line, where i was given XXXX different excuses why they did n't deposit the check. the first excuse was that my son was not on my account, the second was a teller did not witness him signing the check! This flies in the face of the banks trying the customer to use as many electronic devices as possible. I 'm XXXX years old as of today a veteran who served his country and that was how i was taught how you deal with checks that was before the internet and to big to fail! the lack of this money has caused severe hardship on my family, we are out of food and need to pay our bills! It is my contention that wells fargo acted in bad faith and should be justly punished!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Experian Information Solutions 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 sent a certified letter to Experian on XXXX XXXX, and it was received by Experian on XXXX XXXX. About 4 different inaccurate invalidated collections that was placed on my report, that I have not gotten a response for. Three of the collection have previously been removed. As of today, XXXX XXXX, Experian is still currently reporting a inaccurate invalidated collection on my report. According to 15 U.S.Code 1692g ( b ) - if you dispute the debt in writing, they can not continue to report the debt until the dispute is over as the communication must stop. If Not This Is A Violation! Experian has violated a numerous amount of federal U.S. Codes, such ass 15 U.S.Code 1681b ( e ) ( 6 ) Maximum Complete Accuracy, 15 U.S.Code 1681n ( a ) ( 1 ) ( A ) Failure to Comply, 15 U.S.Code 1681i ( 5 ) inaccurate and unverified, As well as 15 U.S.Code 1692c ( c ) ( 3 ) just to name a few. Let the rerecords reflect, that I mailed Experian my correspondence & they emailed a computer generated information letter. Basically stating they have 30 days to investigate or respond. Which They Have Not Done, So Promptly delete that item from my 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 2015-10-06
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage account XXXX and XXXX XXXX XXXX, 2015, Wells Fargo paid my property taxes, XXXX borough XXXX, block XXXX and lot XXXX and established an escrow account. This was done in error since I was not delinquent on my taxes. The payment by Wells Fargo created a credit on my property tax account and there ensued months of attempting to reconcile this error. I contacted the XXXX XXXX Department, XXXX XXXX, and confirmed there was now a credit on my account for {$970.00} since I paid and Wells Fargo paid the same bill. I contacted Wells Fargo and was told I had to pay back Wells Fargo the amount they sent to the Tax Dept. in order to get the escrow account deleted ; I sent Wells Fargo a check, as directed by XXXX XXXX, Mortgage Specialist at Wells Fargo, in the amount of {$1300.00} plus was told Wells Fargo filed a refund request with XXXX in the amount of {$970.00}. I was told once the city refunded Wells Fargo, the escrow would be deleted and I could resume property tax payments on my own. My last contact with XXXX XXXX was XXXX and he confirmed that the refund to Wells Fargo was processed by the XXXX XXXX and there was no longer a credit on my account. Here it is XXXX, and we are starting all over again : Wells Fargo paid my XXXX to XXXX 2015 tax bill and now are telling me that I am delinquent in my mortgage payments for XXXX and XXXX since the payments I sent could not be credited since there was an outstanding escrow balance. I have never been late with my mortgage payments but because there exists an outstanding escrow account, Wells Fargo will not properly credited my payments to my mortgage account, and are now considering me delinquent. I am now getting harassing calls for payment and XXXX XXXX has not answered my emails or my calls for over a month. I am sick over this since I fear my credit will be affected and quite honestly, I do n't know what to do. Every time I get correspondence from XXXX XXXX, the amount I have to pay them to satisfy the escrow changes. I am completely confused and feel I am in a nightmare of error that can not be resolved. 

I am in desperate need of assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-30
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
On XX/XX/12 I logged in to my Chime app to which I see that my secured card account has been overdrawn. I am immediately alarmed and reach out to support to find out how this could have occurred when I have the safer credit building feature enabled on my account which is advertised as the option to use so that you dont ever have to worry about having to make a payment. Also that is operating against the initial definition of a secured credit card - one in which you are only allowed to spend the amount you have added to that card. I reached out to the chat agents including XXXX, a team lead, that stated the same thing Ive written above. My secured card account should not be overdrawn as there was no available balance to be spend on the card, as Chime has stated would need to be there for a transaction to be approved. I have attached image from my conversations with the Chime agents below.in response Chime states that maybe the transactions need to be disputed, extremely concerning considering the fact that I asked how transactions could be approved on a secured card when this card has repeatedly been advertised as a secure way to build credit. The money deposited in to said account is used to cover charges each month therefore charges should not be approved if the balance is not available. This product is being advertised in a misleading manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I had theft on my XXXX bank card I filed a claim and Wells Fargo promised to send me the forms to complete this never occured. In visiting the XXXX branch in XXXX on a Saturday, I met with a banker and assistant XXXX they were unable to provide me the forms to sign. They contacted an internal department via phone and we waited on the phone for over an hour with no response. The branch XXXX at this location was suppose to call me and never did. As a result my account has now been charged off internally, and a refund of {$83.00} from an outside vendor ( XXXX ) returned to my to my Well Fargo Visa Debit card has now disappeared because my account. I have spoken with the XXXX numerous times I need help.

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 2021-12-31
Company: Experian Information Solutions Inc.
State: IL
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:
I have been in contact with XXXX for almost 3 yrs now trying to correct information reporting on my credit that is inaccurate. I have sent at least 10 letters trying to correct the matter. It is flat out fraudulent. There are 11 accounts that are reporting that I never had. I have requested these accounts be removed. XXXX has done nothing but claim they are accurate. This is false. I have sent numerous letters explaining that I was a victim of identity theft twice. Once in XXXX and again in XXXX. I have a list of the accounts in question. 

XXXX # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX  # XXXXXXXX XXXX XXXX- # XXXX XXXX- # XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX XXXX XXXX- # XXXX XXXX XXXX XXXX # XXXX I have since taken measures to pay for XXXX, which alerts me when something is going on with my credit, and any breach with my personal information. 

I don't know what else to do except sue XXXX for violating the fair credit reporting act. 

But before I proceed, I wanted to give them this last chance to respond before I go public and retain counsel.

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 2022-05-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my Paypal account. I am using my Paypal account for my online business. I am XXXX XXXXXXXX XXXX  since XXXX XXXX selling virtual products and services. My paypal account XXXX has stucked funds in it that I have to withdrawn asap. I just started my online business and yet Paypal limited my account. I am hoping that I will get back my account and able to withdraw my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
There are XXXX collection accounts in my Transunion credit file that are older than 7 years and should be removed. In XXXX cases the collection agencies move the open dates of the original debt in order to keep the debts within the 7 year window. This is a common practice with large debt collection companies like XXXX XXXX and XXXX, XXXX and they should be investigated for using these tactics.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX my wife and I notified Capital One via two separate phone calls that we were victims of wire fraud and that we wired funds from each of our Capital One accounts to a fraudulent account at XXXX XXXX ( {$130000.00} from my wifes account and {$130000.00} from my account ). Starting on this day and going forward Capital One grossly mishandled the situation. The person I spoke with on XX/XX/XXXX did not know what to do and how to handle the wire fraud situation. I was on hold off and on for hours. The representative could not get a form to work in order to report the situation appropriately and stated that nothing could be done until Monday, three business days later. This delay undoubtedly had negative impacts on the ability to recover our funds. 

We called back the next day since the wire team was no longer available after trying to work with that representative for so long. It took many escalations to get to a representative who had any idea what to do. After that day, we continued to have to call and spend hours on hold and escalating to get information on the case and to try to ensure that the situation was being handled appropriately. We were forced to call back many times and each time got nowhere. Calls were placed on XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, and XX/XX/XXXX. We were told we would get a call back several times but it never happened. At no point was Capital One treating the situation with the immediacy and seriousness it called for. 

Eventually, a portion of our money was returned to my wifes Capital One account by XXXX XXXX ( {$120000.00} ). Capital One could not even provide any information when this occurred. They never followed up with XXXX XXXX. 

The case was closed only after I continued to call and insist someone follow up with XXXX XXXX to see if we would get the rest of our money back. Call after call I asked them to confirm that this was being treated seriously, believing that a so called investigation was ongoing and was told so. It became clear as time went on that the only thing that was done was a wire return request sent in early XXXX and resent in XXXX, over three months after the fact. 

The entire situation was so grossly mishandled by Capital One. Time is of the essence in wire fraud cases and Capital One failed to do their part to engage the proper teams and parties involved when they should have. Capital One was continually negligent in their responsibilities. Because of this, we lost {$140000.00} of our life savings.

Company response to consumer: Closed with explanation