BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
To whom it may concern I am writing you in regards of the vehicle at Wells Fargo repaired or on XX/XX/XXXX.. we have contacted Wells Fargo On numerous time Letting them know that XX/XX/XXXX we will be a little picking the vehicle up in pain it to please put it in the computer and contact the repo company.. We contacted Wells Fargo today XX/XX/XXXX To touch bases in to see where we send the money We called The repo company They informed that Wells Fargo has already came and got the truck and Is fixing to auction the truck off. I dont believe that theyre allowed to do that I believe is as consumers we have 30 days at least they came on my property to get it without any paperwork In the process of getting the truck they dragged the truck up the road and park Possibly missing the transmission and rear end that ... We would like to know where the truck is XXXX said we can go get the truck and pay.. that truck mean and very great do you to my My son bought that truck Four months before he got XXXX. And for Wells Fargo to do this to us knowingly we have been in contact with him throughout this process 11 days its been Not even giving us the opportunity to go get it when we tried to one of the ladies claims that its not even a record where we called in when we ask XXXX payment to the Im asking you please do not auction that vehicle off that Ive paid for it.. The vehicle is a XXXX XXXX XXXX XXXX XXXX XXXX the account number is 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 2020-06-30
Company: CIT BANK, NATIONAL ASSOCIATION
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The company fails to reissue an escrow reimbursement check after 7 requests to do so. The company initially issued a reimbursement check. My spouse erroneously filed the check away. We discovered the check after it had expired and contacted the mortgage company to cancel the check and reissue it. They required us to return the original, uncashed check, which we did. Following up, they confirmed receipt of the uncashed check and promised to reissue the check. After 6 additional follow up calls over the subsequent 3 months, they still have not reissued the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Experian Information Solutions Inc.
State: NY
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 received today an updated XXXX credit report. There is an account that is showing as adverse ... XXXX ... .this account was never paid late back in XX/XX/2013. I have contacted the creditor personally a few times and it has been agreed that the account will be corrected and put on my credit report as a satisfactory account that is paid as agreed. They put the status as paid as agreed but yet listed it as an adverse account which is affecting my credit score. XXXX has corrected the issue as of date. XXXX  will not correct 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
Consumer complaint received 2021-08-07
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
So XX/XX/2021 I got an email stating I opened a XXXX XXXX account, I have never requested an account ( checking account ) so I called experian, and XXXX and had fraud alerts and securities placed on my account. For experian im actually paying for it XXXX $ monthly and i was actually charged the other day. Today XX/XX/2021 I got another email from experian stating XXXX XXXX checking account has been opened in my name also. How is this possible if I had security alerts and fraud securities placed on MY account? How is this possible. It means someone is allowing people to take out fraudulent accounts in my name. I'm very angry this happened. I need something done now. So again today, hours of being on hold with XXXX  and XXXX and again experian and they say my credit is secured? How someone opened another account in my name. Please helo

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 2018-10-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
There is a bankruptcy on my credit that i never went filed. my ex-husband filed I would like the bankruptcy 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
Consumer complaint received 2017-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated, numerous telephone calls leaving messages that important information may be obtained by calling toll free number. No further info is stated. Sounds like a scam and refuse to return call.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: Experian Information Solutions Inc.
State: OH
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 went to XXXX XXXX College in XXXX XXXX Ohio in 1994. I was told by the school my grants covered my school. After i graduated I started receiving bills for XXXX. I have fought this tooth and nail, and because I was young back then i gave up on the fight because it was stressful fighting these collection agencies. After being refused credit for years i decided to call the XXXX XXXX XXXX XXXX company and ask for a copy of promissory notes totaling the XXXX, and what i received in the mail is a blacked out piece of paper that was ineligible to read, that said " sorry best copy we have '' It stated a loan for what looks like {$3500.00}, and someone had written my social security number on a piece of paper and taped it to the top of the copy. I immediately contacted them and said this is not sufficient and I do not owe XXXX and i want it removed from my credit report. They then sold the collection numerous times to so many collection agencies that now it is duplicated on my credit report and says i now owe XXXX. This is an injustice of the reporting bureaus for not actually verifying or correcting the duplicates on my report, let alone saying I owe a loan i do not owe. 
I have recently contacted all 3 credit bureaus via certified letters for each student loan collection account and duplicated collections. Each one said they verified I owe it and i know they did not verify it. I asked in the certified letter for signed documentation of the loans or please remove it from my credit report. They did not send me any signed documents and only updated each account saying it has been verified. Also another issue is, each collection agency has posted that i have been making payments on the account every few years in a blatant attempt to keep this on my report another 7 years. Im absolutely ready to file a lawsuit against each collection agency and the credit bureaus. They have ruined my credit for 25 years. I need help, this has been impossible to deal with due to selling the collection to so many agencies and none of them will remove it. Ive called them, only to be yelled at and told I need to make a payment. By the way each time i call a collection agency, they hurry up and sell it to someone else. This should be against the law, and probably is.

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 2018-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My original Mortgage was 2 countrywide XXXX   mortgages. a First and a Heloc second mortgage. The loans were taken over by Bank of America. 

I have the Lien Release for the First Mortgage loan # XXXX I have been struggling for years to get the Lien Release for the Second Mortgage, a Helco loan # XXXX. This mortgage is lost. BOA can't find it. 

Bank of America does not respond to my fax and telephone requests to Send a Lien Release even though I have a letter from Bank of America stating it was paid off in XX/XX/XXXX. 
I have faxed them the documents, and they do not respond. Bank of America tells me there is no loan # XXXX. 

I am nearing the end of my current refi and I must have this Lien Release to have my refi go through. Interest rates are rising as I try to complete it and close on XX/XX/XXXX. 

Bank of America is not responding to me at all! I can not get title insurance on my property because they can not find my loan number. 

I need a Lien Release so my refi can be completed by XX/XX/XXXX. 

Bank of America Lien Release dept. XXXX I spoke to XXXX once. She asked for so I faxed her the documents 3 times to Fax XXXX. I got 3 confirmations on my end that they went through. 
XXXX said her phone extension is XXXX ext XXXX. I have been told by others they do not have extension numbers! XXXX or all others at Bank of America to not get back to me at all!!! 

Please, I need help! This has been going on for Years with this lost Helco mortgage and I do have the letter from Bank of America saying it is paid off. This is all I have.

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 2018-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Long story short, XXXX, bank was hacked. Did what I read to do. 2 1 $ transactions already went through. Card was Blocked XX/XX/XXXX I believe, was told I would get card 2-3 business days, Therefore I took out enough for them days. The 2-3 days  came and went, I needed money for myself and my 2 dogs ; There were no Capital One bank near me. So after that I called to say I didnt receive my card. So XXXX had to re order, i cryed torrent I have no-money and Im starving along with my dogs. ; bills were still able to be paid still ) XXXX said if I want card sooner it will be {$25.00}!!! I arqued but was out of my hands. The next day I checked my balance and there were 2 charges for Fed X expidite card charges : TWO. So every day Im calling, 2 mgrs said I should not have been charged at all, and {$50.00} should be refunded in 2-3 days. By this time I have talked to 5 people and 3 mgrs total. It is XX/XX/2018 still nothing. So now I have to pay my daughter back XXXX Im on Social Security XXXX, and I have been totally disregarded! 
Sent from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: Experian Information Solutions 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:
This is the first time I have encountered identity theft. I have no idea who could have done this to me. As I pulled my report, I saw an outrageous amount of accounts under my name that are not mine. Please delete these items from my report. US DEPT ED XXXX {$920.00} XXXX XXXX   XXXX {$200.00} XXXX XXXX  XXXX {$190.00} XXXX XXXX XXXX {$180.00} XXXX XXXX XXXX   XXXX {$20000.00}

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 2018-10-28
Company: ACS Education Services
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: Account status incorrect

Complaint:
" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " XXXX XXXX XXXX, XXXX among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" XXXX XXXX XXXX '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if XXXX XXXX is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" ACS EDUCATION SERVICES '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXX following a full year in good standing. I had contacted student consolidation loan center " ACS '' and spoke with a manager in upstate, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and XXXX reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with ACS as of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
" XXXX_ XXXX '' continues to report inaccuracies about past debtors and/or fraudelent creditor collectors on each credit report. My credit score remains drastically low. I had disputed many erroneous credit items including personal information such as name/address/telephone numbers via telephone. Now, there are these follow-up mailed documents from other third party collectors on bearing of XXXX XXXX namely, " XXXX XXXX XXXX, XXXX among the multiple debtors whom I had previously disputed via FTC/FRCA. 

" WELLS FARGO BANK '' " XXXX XXXX XXXX XXXX XXXX '' is another creditor whom I have been issued a unsecured card ; now appearing as a secure card. However, this credit solutions agent if Wells Fargo is committing fraud. The scam is that while my card remains open ; it accumulates a " monthly late fee '' without any activities and I must pay that outstanding balance to remain in good standing. My last payment on a blocked card was on XX/XX/XXXX and my account was {$0.00}. In XX/XX/XXXX, I reactivated a new replacement card ; only to be faced with a balance of {$180.00} which includes next cycle of late fees. I have made a full payment of {$180.00} on XX/XX/XXXX. 


" XXXX XXXX XXXX '' has been erroneously listing my account status as ND=NO DATA and OK since the year XX/XX/XXXX. I had completed payment of my student loans and this account was closed in XX/XX/XXXXfollowing a full year in good standing. I had contacted student consolidation loan center " XXXX '' and spoke with a manager in XXXX, NY on last year ( XX/XX/XXXX ) requesting that they should he should follow through on reporting the correct CLOSED date. He had not done so and EXPERIAN reflects payment history and CLS=closure in XX/XX/XXXX as a result. I had not been utilizing education services with XXXX as of 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 non-monetary relief
Consumer complaint received 2018-10-29
Company: REGIONS FINANCIAL CORPORATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
In XXXX I when shopping for a Home Equity Line Of Credit ( HELOC ) so that I can pay off bills and make home improvements. On XX/XX/2018 I went to Regions Bank mainly to ask questions and gather information to see if this is where I wanted to apply for the HELOC. They were very helpful and answered all my questions. I shared with them my credit score, my personal finance and some of the negatives that I had on my credit history. I was trying to get from them, if I should or shouldn't apply based on the information I was providing. I knew that applying would result in a HARD INQUIRY on my credit which would affect my credit score. I didn't want to apply if the information I was sharing didn't prequalify me to move forward. But from the positive response I received I didn't see a reason not to apply. I was informed that the underwriters makes all the decisions on the applications. 
After weighing everything I returned To Regions Bank on XX/XX/2018 and applied for a HELOC. By the end of the day on Wednesday, XX/XX/2018 my credit application was denied. Now I have NO HELOC and left with a HARD INQUIRY on my credit. I have a checking account with Regions because I like them. So I'm not trying to hurt them. I need your help in getting their HARD INQUIRY off my credit report IMMEDIATELY so I can continue to search for the financial product that I need to do what I need to do for my home and personal finance.

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 2019-02-19
Company: EQUIFAX, INC.
State: NV
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:
On XX/XX/XXXX I filed a dispute with XXXX regarding a late payment that was reported by XXXX. On XX/XX/XXXX I received an email confirmation that my dispute # XXXX had been closed. The compliant follows as both Equifax and XXXX failed to correct their error. 

On XX/XX/XXXX I filed a complaint with CFPB regarding XXXX 's credit of my mortgage account ( reporting case number XXXX and CFPB reference number XXXX ). In a letter submitted by XXXX to the CFPB on XX/XX/XXXX, XXXX clearly states " Moreover, our records do not indicate that we have reported the loan negatively. '' ( see attached letter ) It is clear in my Equifax report that I was reported 30 days late in XX/XX/XXXX. This is a fraudulent statement as I have attached my payment history indicating that my payment was received and credited on XX/XX/XXXX. How XXXX XXXX chose to apply those funds is irrelevant. My full payment was made by the due date as indicated on my statement. My payment was not late nor has it ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29
Company: Mr. Cooper Group Inc.
State: NM
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Struggling to pay mortgage

Complaint:
XXXX XXXX has filed a foreclosure action against XXXX and XXXX XXXX for a reverse mortgage allegedly signed by XXXX XXXX. The promissory note in question is not notarized or witnessed and the foreclosure is thus illegal under New Mexico law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for the renewal of my existing HEL/HOCL ( for {$500000.00} ) application XXXX, sometime in XX/XX/2021 thru XXXX XXXX XXXX XXXX and XXXX XXXX XXXX.at the Huntington National Bank ( Router # XXXX ) My application got rejected due to insuffient monthly income per XXXX XXXX. 
I am retired. Hence my income is my social security pension approx XXXX per month and my MRD ( minimun required Distribution- variable ) from various tax deferred assets - multiple IRAs, my annuity + my invest incomeof assets over XXXX XXXX. I told them I can always withdraw more than MRD if and when needed.They poofaed that being 'hypotetical '!? My previous payment record is stellar. My credit score close to 800. No other liability except balance in the existing HEL of about XXXX. No other pending liability, lien of any sort. All the property taxes and Home ins premium paid promptly and on time, for the past 40+ years on the house. 
I asked for house appraisal report. They haven't provided me as required by law in spite of repeated requests on the phone and via e-mails. The bank also has NOT responded me with final response in writing with re my complaint ( XXXX ) lodged via phone on XX/XX/XXXX to XXXX XXXX XXXX on the phone. I have no other recourse, except to plead your help in this regard. Thank you XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Credit Corp Solutions Inc.
State: RI
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated, harassing calls from XXXX XXXX solutions from different numbers XXXX. When explaining to them why I can not pay the debt at this time, they were insistent I set up a future automatic payment and kept repeatedly asking me what the reason was I could not make payments. I asked them to stop calling me multiple times. At this point, this company is harassing me and causing XXXX on my XXXX XXXX as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21
Company: Experian Information Solutions Inc.
State: MA
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 received a credit alert that somebody was trying to obtain credit at XXXX XXXX XXXX XXXX a car dealership in XXXX California with my social security number. I called the dealership and they said not to worry that they would take care of it and honestly I don't believe they can.

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