BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016 I received an email from Bank of America, stating that they will start applying a monthly maintenance fee on my checking account. This after I have not had to pay a monthly fee for years, in exchange for an agreement to only use their ATM 's for deposits and withdrawals ( i.e. no counter service ). I have sent them a letter of objection and a copy of the email by USPS. The banks website ( and this email ) offer no opportunity to reply via email, only a postal address in XXXX, FL. I will be happy to send you copies of same. Bank greed once again ... apparently still many loopholes in the Consumer Financial Protection Act that they can drive trucks through.

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 2021-01-02
Company: REGIONS FINANCIAL CORPORATION
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Was provided misguidance by customer support. Requested application of payment to principal on XX/XX/2020, was told by agent to make online payment. My payment was misapplied. Customer service refusing to rectify the issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
I submitted an online HELOC application to Wells Fargo. In the submission process the applicant ( me ) is advised that a email confirmation will be sent once the application is submitted. I completed the application, and expected to receive a notification email from Wells Fargo. I did not. Then 1 - 2 days after I submitted the online application, I called Wells Fargo Consumer Lending to follow up. I was advised that an email had been sent, but to an email address which is not mine. At this time, I asked that the question of the incorrect email address be addressed and escalated. I have received no response as of this date. I have again, today XXXX XXXX 2016, contacted Wells Fargo, and have been told that there is no status or information available to me for this complaint.

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 2015-04-14
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I am currently being evaluated for a loan modification. 
There is an agreement withThe California Attorney General Office to not do dual tracking. 
It should not be forward with a Trustee SaleWhile I am under review for a loan modification. 
The Sale date must be vacated. 
We want to keep our house. 
We hope everything going well on our loan modification.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: FL
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:
On or about XX/XX/XXXX I filed a complaint with CFPB ( # XXXX ) against XXXX XXXX concerning XX/XX/XXXX day late payment error on my credit report, on XX/XX/XXXX XXXX XXXX Responded to the complaint saying on XX/XX/XXXX they submitted a request to the Credit Bureaus to have this XX/XX/XXXX day late payment error corrected to ( Paid in Full & Paid as Agreed ) on my credit report. Also XXXX XXXX  emailed me a confirmation letter stating that they advised the credit bureaus to remove the XX/XX/XXXX day late payment error from my report. So it would Reflect PAID IN FULL / PAID AS AGREED & PAID ON TIME, the Credit Bureaus refused to make these Corrections to my credit reports. So on XX/XX/XXXX I mailed copies and faxed proof of my ID to the Credit Bureaus and attached the response letter to CFPB from XXXX XXXX & the letter that was email to me by XXXX XXXX  stating that they have reached out to the credit bureaus to remove & correct the XX/XX/XXXX day late errors and to update my account. Equifax & XXXX, XXXX refuses to make corrections after XXXX XXXX have requested for the XX/XX/XXXX day late to be remove. I have been disputing this Error to the credit bureaus personally since XX/XX/XXXX concerning this Particular Account!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Experian Information Solutions Inc.
State: LA
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:
The inaccurate information was not updated on my mortgage balance after I sent supporting information indicating the correct balance. 

Balance : XXXX First sent on XX/XX/2020 2020

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 2021-01-02
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL
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:
I accepted a credit card with a promotional 18 month zero percent interest with a XXXX XXXX credit line, I also had another card with a XXXX credit line both with Fifth Third Bank. On XX/XX/2020 both cards were reduced to XXXX XXXX  and the second one to XXXX XXXX. Fifth third didnt keep the promotional agreement and leaving me with a high usage of on one card and a credit score that would suffer because of the reduced amount. I called fifth third and they stated they would restore the credit lines if I accepted a hard pull to my credit but couldnt receive the zero percent interest. Im very annoyed by fifth third because they send me loan offers every week and took the credit lines in the middle of a pandemic when I never missed a payment, why reduce my credit and then offer loans?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: WAKEFIELD & ASSOCIATES, INC.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I received a bill from Wakefield & Associates in XXXX 2016. I immediately wrote back that I disputed the amount, explained that I had also disputed the amount with the original creditor, enclosed a check ( which they cashed ) for the amount that I did not dispute, told them not to contact me by phone, and provided my current address for future communications. I heard no more from them until yesterday, when I got home from work and found a message on my answering machine ( which is a shared phone with my adult son and my boyfriend ) stating that the call was from Wakefield & Associates and that they were debt collectors. I called the number they left ( from my cell phone ), verified the number that they had called, and the man said, " Is this [ your name ]? '' I replied that it was and asked why they called. He stated that they needed further information to verify that they " had the right account, '' at which point I told him that they had all of the info that they needed, that he had verified that they have the " right account '' by asking if my name is [ my name ] when I gave him the number that they had called, and told him to mail me any communications. I also informed him that they had violated the FDCPA, and he said " No, we did n't. '' Well, yes they did, as I had informed them in writing that they were not to call me regarding this disputed debt. Not only did they call after I asked them not to, but they left a message on a shared answering machine. In addition, at no time after I paid the amount that I did owe, did they send me an updated bill or amount due. I received absolutely no communication from them since I wrote to them in XXXX and they cashed my check in XXXX. This is a clear violation of my rights under the FDCPA and I intend to pursue my legal options.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: AR
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
my father XXXX XXXX from XXXX XXXX XXXX sent me XXXX through Money gram and the reference number did not work.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: I.C. System, Inc.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I see a debt collection of amount {$1300.00} on my XXXX report from XXXX XXXX XXXX XXXX and IC System is the debt collector for this, dated XX/XX/XXXX. 

This was not noticed until i received a notice of data security event from XXXX XXXX XXXX XXXX which provides administrative services to XXXX XXXX XXXX. 

Actually we took services from XXXX XXXX during XX/XX/XXXX and was duly paid from my insurance. 

Hackers could get my PII and health related information and billed / debt collection with back dated to extort money or else hurt my credit score. 

Please 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 2020-03-11
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:
I was made aware of three accounts reflecting badly on my credit report today XX/XX/2020 when I went to refinance my car. I didn't know these accounts were on my credit report because they do not belong to me. I have no idea who could have stole my personal information to open these accounts without my permission but I have already filed a police report. I did not allow these companies to run my credit nor do I have any written/verbal contract or relationship with these companies at all. I did not benefit anything from these accounts and I did not contribute to any payments towards any of these accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: M&T BANK CORPORATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage on property in moundhouse Nevada the mortgage was sold to M & T bank, XXXX XXXX XXXX XXXX Maryland from XXXX XXXX XXXX number XXXX On XXXX XXXX th I called and asked for a payoff total on this loan, I was told the amount was {$72000.00} I then wired this amount on the same day from my bank. They told my Daughter several days later that they would not post this payment until XXXX and We owed another {$350.00}, I sent the money, is this legal they would not post the transfer money until they could charge another months interest. Thanks for your help..XXXXXXXXXXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-11
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
on XX/XX/2020 I went to try to purchase a house with XXXX XXXX and was denied for having 10 negative accounts on my credit report. I have never authorized any of these accounts from being open or have ever authorized anyone else to open them in my name. I have never benefitted from any of these accounts being opened or have received any money or goods in good faith from the accounts. Please remove them from my credit report. I have a filed a police report regarding these accounts being opened as a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
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 is missing that should be on the report

Complaint:
XXXX XXXX XXXX reports incorrect info has been deleted by XXXX XXXX and XXXX but not exquifax

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I sent a certified letter they had to sign for stating that I was on needs based aid and was unable to pay any of these deaths at this time and wished for them to cease contact with myself unless it was a discharge letter we have continued to send repeated letters continue to try to call my cellular phone have even called my work place that I used to work at it is ridiculous these people are just unbelievable and they did sign for the document stating that I was a needs-based aid I have a copy of the card stating that they sign for it and that they excepted receipt of it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-22
Company: WELLS FARGO & COMPANY
State: VA
Product: Credit card
Issue: Balance transfer

Complaint:
I was offered a no interest balance transfer if paid off within 18 months as long as I made a minimum payment towards that balance transfer each month. I continued to use the card as usual for other regular purchases. Despite the fact that I regularly paid the outstanding balance in FULL and more than the required minimum payment, I was still charged interest on an unknown amount and Wells Fargo was either unwilling or unable to tell me exactly how or why they calculated the interest fees - I called twice to inquire about this issue and was not given satisfactory answers at either time. Finally, I was told that the only way to avoid interest fees was to pay the entire balance in FULL immediately. This feels like a bait and switch since I was never able to gain the benefit of the no interest offer that was made. This has happened for several billing cycles thus far.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is a XXXX here of $ XXXX.I called XXXX XXXX They said it was sent to the wrong address My Insurance will pay the entire bill. I have no idea how it was sent to the wrong address.This was for a mammogram I had last year, I have never had to pay for one

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
American Education Service sent me a collection email 3 days before my account is due. Please advise.XXXX XXXX XXXX. 
Here 's the text of the email : This message has been sent to you based upon your existing relationship with American Education Services ( AES ). If you are not the intended recipient or received this e-mail in error, please contact AES by calling XXXX, and then delete this e-mail from your system. 

This message is being sent to inform you that a student loan, serviced by AES, for which you are the cosigner recently became delinquent. 

If payment has already been made, please disregard this notice. 

Please be aware you are equally responsible for this debt and the situation must be resolved immediately to avoid negative credit reporting for both you and the primary borrower. 

To protect your credit rating and avoid collection calls it is important you resolve this situation today. You may do so immediately by clicking the link below to make your payment : XXXX/signinAmerican Education Services Payment Center XXXX, PA XXXXXXXXPlease do not reply to this e-mail as this e-mail account is not monitored. 

You 've received this e-mail because you previously provided AES with your e-mail contact information. If you want to be excluded from future e-mail messages, please unsubscribe here.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-11
Company: EQUIFAX, INC.
State: LA
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:
On ( XXXX ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
on XX/XX/2020, i mailed transunion a letter asking them to verify some accounts on my credit report becasue I noticed errors on my credit report after ordering a copy. I waited but didn't receive a response so on XX/XX/2020, i sent them another letter letting them know they didn't respond. I still have not received a response from them and it has been 3 months since I sent the first letter with no response received yet.

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 2022-03-21
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello good afternoon, I had a predatory lending auto loan with Santander Consumer USA in XXXX. I financed a vehicle in XXXX with Santander, the terms of the loan were 22.94 % interest rate at a monthly payment of {$800.00} and {$27000.00} for interest, the full pay off amount for the vehicle at the time was {$63000.00} on a XXXX vehicle. The account defaulted and vehicle was repossessed because I was unable to make such high large payments due to my job lay off. However on XX/XX/XXXX, I settled the balance in full on the account with a collections agency who had taken over the account. Per my findings, the account is still being reported in a collections/charge-off status on all three ( 3 ) of my credit reports ( XXXX, XXXX and XXXX ) Santander has refused to remove the account even after settling in full. They have advised I would need to wait 7-10 years to remove this negative remark off of my credit even after settling the account in full. Santander intentionally put me in this predatory lending loan, my monthly income on the Santander Finance application was falsified. Santander put {$6000.00} as my monthly income as I only made about {$13000.00} which was reported on my tax return for the year of XXXX. They have not provided any solution or resolution to address this matter even after paying Santander thousands of dollars to settle the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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 am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removal of the inaccurate information about my inquiries has not been given any attention by Equifax Credit Bureau. Sending them a Complaint last time and i have not received any response up to this date. Therefore, Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted 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. Here are the list of the following Inquiries and need to remove completely from my Credit Report. 
XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-22
Company: SUN LOAN COMPANY 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 a victim of identity theft and it is on my credit report i went to look at my report and i have this inquiry on my report that i have no knowledge of at all that i did not do. 
XX/XX/XXXX Removal date XX/XX/XXXX Additional details Business type Finance, personal Contact info Address XXXX XXXX XXXX XXXX XXXX, XXXX Phone number ( XXXX ) XXXX

Company response to consumer: Closed with explanation