BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a home in XXXX. I was very clear that because I was a teacher and on a very fixed income I did not want a adjustable rate. I wanted a fixed rate. I did not received my paperwork for the closing until the night before my closing. I was an adjustable rate. I called my Well Fargo Representative that was recommended by my realtor. I was never met my Wells Fargo Rep everything was over the phone. The said that she would work om it that night and come up with something fixed for the closing at XXXX XXXX the next day. She said that I had to be put into 2 mortgages, one for $ XXXX 6.125 % and a second at $ XXXX 8.843 % The finance charge is {$57000.00} it ends XXXX and I will have paid {$89000.00} on a for this second loan. 
I was crying when I closed. The Wells Fargo Rep never showed up to the closing. 
I have had modifications twice offered by Wells Fargo but they never help me. I have never missed a payment, I have asked to roll it into 1 mortgage at a lower rate but both times they did not. The last time was XXXX and they put me in a 40 year mortgage and then sold my first mortgage to another company so that they would not get caught for not helping consumers as they were supposed to do by law. 
I am still paying on the second mortgage at 7.25 % since XXXX  and I have only paid off {$8300.00} in XXXX XXXX. I still owe on my 1st mortgage {$100000.00} on the original {$120.00} in 15 years. Well Fargo has failed twice in the modifications when I was directed to them to rectify it. In all of my dealing with Wells Fargo Mortgage I have asked REPEATEDLY if I can come in and meet with someone to go over the paperwork to have them explain it to me and to answer questions. NEVER have I met Well Fargo representative in all of my dealing with three difference Well Fargo Mortgage situations. Never did the rep did not come to the closing when I purchased my home, to meet me at the title company, I could never meet with anyone in person for modifications. This was all PRECOVID- in XXXX. This is such a poor example of customer service, I do not trust Well Fargo and they have made owing and keeping my house a painful experience for the past 15 years. I am XXXX my job XX/XX/XXXX would like them to make and effort to correct this situations that should never have happened, especially more than once with your company.

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 2017-09-13
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I would like to file a complaint about Equifax Credit Reporting company not being able, willing or capable to place a freeze on my credit report, as requested by me. After the published security breach at Equifax I attempted to place a freeze on my credit report, both through the Equifax Credit Freeze website and over the automated Equifax Credit Freeze telephone service and neither of them were able to put the freeze in place. No explanation was given and nothing is put in place to follow up. In a security breach like the one that just happened time is of the essence to safeguard consumers information and it is extremely frustrating that Equifax is unable to accomplish just that.
Below is the error message I received after spending valuable time completing the freeze request.
Thank you! 

System Currently Unavailable - Error 500 We 're sorry. We can not process your security freeze request online at this time. Please try back later. 

To make a security freeze request with the other national consumer credit reporting agencies, please contact XXXX and XXXX : XXXX, XXXX XXXX XXXX, XXXX, TX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ( XXXX ) XXXX Thank you for giving Equifax the opportunity to assist you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or there is an issue with the banks for them to get my payments.I 'm really don't know what happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-10
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
On XX/XX/2019 I filed a credit card dispute through my bank for a $XXXX purchase of mentoring services. After filing the dispute, the merchant providing the mentoring services contacted me and we settled on a half refund. I provided the written agreement to the bank to support this claim. A few weeks later the bank informed me that they were deciding in favor of the merchant, claiming to have never received documentation from me regarding the written agreement. I am currently settling the dispute with the merchant in court, but we are unable to move forward because the bank has somehow lost the $XXXX   since the dispute was opened back in XX/XX/XXXX.The bank put a $XXXX credit in my account on XX/XX/XXXX, shortly after I initially filed the dispute. On XX/XX/XXXX, the bank took the $XXXX back out of my account and sent me a letter in the mail a few days later explaining their decision. The merchant is providing documentation from his accountants to support that Huntington Bank did not give him the $XXXX back on XX/XX/XXXX when it was taken out of my account. Several weeks have gone by and despite multiple requests, Huntington has failed to provide any proof that they did in fact put the funds back in the merchant's account. The bank has lost track of this money and is not doing anything to figure out what happened to it. They completely mishandled this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: CNG FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
A lady named XXXX XXXX left me a message and called my mother in law. She said she was from XXXX XXXX XXXX ext XXXX and she was going to sue me for check fraud from a debt owed to check n go from 2013 and also called my mother in law and told her she and my father in law would have to go to court also. She states the balance is {$2600.00} and if it goes to court it would be over {$20000.00}. She gave my mother inlaw all of the information also. 
Case # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
The bureaus not following the law..They have not provided me with any of my investigation results. I sent out several letter upon my credit concerns.. They fail to comply with the law and now the have violated and are in violations upon several reasons.. Please help me get all my credit concerns removed immediately off 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 2021-11-08
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I started the re fi loan process with Loan Depot and the person I initially spoke to was XXXX XXXX ( Licensed Lending officer ) who took my information told me I would be able to qualify. I then scanned and emailed all necessary documents to him. This process started on XXXX XXXX. 
Then I get a call from XXXX XXXX ( XXXX  Incubation Manager ) and she was very professional and explained the process and if I had any questions to please contact her. 
On XX/XX/XXXX, I started another correspondence with XXXX XXXX, Senior account Manager who is requesting more documents which I emailed. She then tells me that I need to do a profit and loss statement. I told her I am a sub contractor and don't own a business and I use a 1099. She said a contractor is self employed and she said to look on XXXX profit and loss samples and complete one. Without this the loan could not move forward. I have never had to do anything like this for a refi. I am guessing this is just another attempt at bait and switch tactics. I am asking for the reimbursement of the {$21.00} fee for credit report and emailing and scanning fees from XXXX which amounted to {$34.00}. I told XXXX XXXX to have XXXX XXXX call me on XX/XX/XXXX and I will address my concerns to her, I have not heard from anyone from Loan Depot yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-09
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
In XX/XX/2018 I contacted Experian with regard to a paid off account. Instead of updating the account as paid in full. Experian delated the account & the positive history of the account

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 2022-08-12
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: ALLIANT CREDIT UNION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Alliant Credit Union continues to send me letters that I'm in breach of the terms of my agreement and threatening to raise my APR to 24 %. 

I had previously sent a email to several executives at the credit union in an attempt to clear up this matter however it appears XXXX has managed to somehow XXXX up the situation again and blame the consumer. I received two phone calls from credit union representatives and I followed their instructions. 

XXXX XXXX # XXXX proves the credit union received the information they asked for, which is the vehicle title and notarized power of attorney ( two copies ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: LoanCare, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I paid {$5200.00} on XX/XX/XXXX to XXXX. That was past due and 1/2 of XXXX 's payment. I paid {$350.00} on XX/XX/XXXX to XXXX, that was the second half of XXXX payment. I paid {$350.00} on XX/XX/XXXX to XXXX that was the first half of XXXX. I paid {$350.00} on XX/XX/XXXX to XXXX that was the second half for XXXX. I then saw on XXXX statement that XXXX had applied {$840.00} to " attny Adv Disb '' and {$190.00} to " Corp Adv. Disp '' this is incorrect. I contacted XXXX and was told the amounts would be corrected and they would put the {$1000.00} towards the remaining {$350.00} of XXXX and the rest towards XXXX. That is {$680.00} that should of been put towards XXXX payment leaving a remaining balance of {$25.00}. I made payments of {$350.00} on XX/XX/19 and XX/XX/19 directly to Loan Care ( who took over the mortgage ), both of which have been cashed by Loan Care which is a full months payments to use for XXXX. The only remaining balance that should of been shown is {$25.00}. It was then found that XXXX also misapplied a payment received of {$350.00} by putting it towards non existing late fees. This was suppose to be corrected as well ( Loan Care is who informed me of the payment being used towards late fees, XXXX is who confirmed they had fixed it ). With that correction, it would of XXXX XXXX  out the {$25.00} and put {$320.00} towards what is due for XXXX. I have been on the phone atleast twice a week with Loan Care for the past 3 weeks trying to get this corrected still with no success. I just want it fixed so I can pay the remaining {$370.00} for XXXX and get set up on auto payments starting in 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 2020-07-30
Company: ENCORE CAPITAL GROUP INC.
State: MD
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 recently went online a obtain a copy of my 3 credit reports and noticed accounts i did not authorized.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-08
Company: LEXISNEXIS
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
In XXXX Lexis Nexis didn't provide an update on the removal of the bankruptcy on my profile

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-18
Company: National Credit Adjusters, LLC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt was reporting to my credit report since XX/XX/XXXX which is not even mine. I tried to disputed with the bureau keep coming verified, but I dont have knowledge of it. I try to contact the creditor to validate the debt they also failed to validate, then I contacted back the bureau says that they creditor failed to validate this debt, which I request immediate delete of the debt. But they bureau refused to remove the debt, it only XXXX  I think who deleted. On XX/XX/XXXX I sent another letter to the creditor request immediate validation they failed again to validate. Instead of validate the debt, they put a duplicated account again on my credit report ; the same account number, the same amount {$410.00} and change the opened date to XX/XX/XXXX. They have violated my rights to not notify me by sending me a 30 day notice so I can dispute the debt. The failed also under the FDCPA. Information must be correct and 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-14
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Still to this date this collection company on top of it its sleazy tactics has still failed to produce any proof that the debt mentioned And erroneously reported on my credit has anything to do with me and is not the result of ID theft. 

Despite its numerous calls to me and my numerous attempts to get them to answer that question they continue to affect my credit and my lifestyle with this derogatory reporting yet no one seems to listen to the law

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
I fell on hardship due to health issues, XXXX, XXXX, etc ... 
I was n't able to do my taxes for XX/XX/XXXXand XX/XX/XXXXmy accountant is working on XX/XX/XXXXnow I requested for a week calling everyday BOFA and they refused to provide me with the XXXX form everyday i spent minimum of 3 hrs on the phone, costumer service to foreclosure, foreclosure to customer service back and for 2 to 3 time every phone call costumer service claimed that the can pull up, the form because i 'm on foreclosure, and foreclosure they do n't have it, so i can not finished my taxes to apply for loan modification furthermore they cheated me on this heloc at the time of the signing i specific asked if the term of the loan will change after 10 or 15 years and she told me NOT I was paying interest only and suddenly my payment jump from around 1K to almost 3K they never notified me of this changes nor explained that indeed the term of the loan changed after 10 years They are crooks and thieves Thank you

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 2021-06-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/2021, I sent a letter to formally make a complaint about my incomplete and inaccurate credit information. As I know, It violates the Fair Credit Reporting Act, Section609 ( a ) ( 1 ) ( A ), and thus I wanted to have it investigated. I also demanded that they provide verifiable proof that has my actual signature in it. Additional information regarding this will be uploaded and I hope that this issue will be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: EQUIFAX, INC.
State: GA
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:
I have inaccurate reporting of collection accounts on my credit report. I have been on this journey to update my credit report as of XX/XX/2021. I have sent several letters to XXXX  and Equifax to delete this information. As of XX/XX/2021 XXXX  has deleted these collections from my report. I am requesting that XXXX  and Equifax follow suit. Attached is a copy of my XXXX  report. Thank you in advance for your cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I, XXXX XXXX am a federally protected consumer pursuant to 15 usc 1692A ( 3 ) which states that the term consumer means any natural person obligated or allegedly obligated to pay any debt. 
I, XXXX XXXX entered into a consumer credit transactions with Capital One Auto Finance on XX/XX/2021. A consumer credit transaction in which a finance charge was involved. 15 usc 1605 defines finance charge as the sum of all charges in a consumer credit transaction. The finance charge is supposed to include insurance, but Capital One Auto Finance made me purchase insurance separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Called in want to use my card they will not allow me to use money ive paid still asking for payment called in they will not allow me any access without front and back of my drivers license never contacted me via mail to advise or anything. Unacceptable and also not okay to require payment and not allow card to be used.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
On the XXXX of XXXX I contacted the credit reporting company after reviewing my credit report. I noticed that there were various addresses on my report. I let the representative know that I had submitted a police report last XXXX in order to get several items removed from my credit as well as the various addresses removed. The representative continued to inform me that I was wrong about my information. The only address is the one I have had for years is this address. This is the address on my license. This is the address that my vehicle is registered to. This is the address my children leave home from school to and come back home to. This is the address my work and insurance documents come to. Please remove all addresses from my XXXX report that is not the address stated on my license.

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 2021-11-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXXDate of Inquiry XX/XX/2021 XXXXDate of Inquiry XX/XX/2021

Company response to consumer: Closed with explanation