BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-25
Company: WELLS FARGO & COMPANY
State: WI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with the payoff process at the end of the loan

Complaint:
Wells Fargo 2007, Wells Fargo offered me line of credit loans and used my house as collateral. I was unable to make the payments and asked them to consolidate as it would have saved my house and my family, they denied me and I filed bankruptcy in 2007. I was raising my boys alone working at XXXX XXXXXXXX XXXX XXXX XXXX in XXXX  MI at the time. It ruined me life and to this day my credit is bad and I live with my mother. My bankruptcy lawyer XXXX XXXX in XXXX XXXX MI. I lost everything, one of my sons  went to live with his Dad at the time and I lost half my child support which made things even harder. Wells Fargo ended up getting my house.

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 2022-12-25
Company: EQUIFAX, INC.
State: MS
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:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Mr. Cooper Group Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am a XXXX  resident, jointly owning a condo ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) with my wife. I was a Mr. Cooper ( Formerly known as Nationstar mortgage ) customer from XX/XX/XXXX until XX/XX/XXXX. They were my mortgage servicer. During my refinance in XX/XX/XXXX, XXXX XXXX ( new servicer ) informed me that no property taxes were paid on my behalf in XXXX by Mr.Cooper. This confused me as Mr.Cooper said, in writing, that they paid my XXXX and XX/XX/XXXX property tax payments ( {$2200.00} and {$110.00} respectively ), which were taken out of my escrow account ( i have a paper trail! ). These payments were NEVER applied to my property tax bill. This is because Mr.Cooper incorrectly paid my neighbors property taxes ( SSL XXXX XXXX ) from my escrow account, which I confirmed on a call with a Mr. Cooper representative. As such, my XXXX property taxes ( Property XXXX XXXX XXXX ) were not current and I've incurred {$220.00} of penalties and {$330.00} of interest ( see tax bill attached ). I have called Mr.Cooper over ten times to rectify the issue and nothing has been resolved. I have submitted a XXXX XXXX  XXXX  complaint, a XXXX  complaint and now this complaint. Additionally, I will continue to pursue greater legal action if this is not resolved, as I have already spent over 50 hours of my time on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-11
Company: Resurgent Capital Services L.P.
State: OK
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 sent a response letter to collection company LVNV when 1st started collecting and advised rep over the phone that what ever this credit or loan is was not opened by myself or authorized by me. I thought then it was handled and then my son gave me some papers a guy dropped of at our house 3months previous he had forgotten to give me and placed on top of entertainment center. I sent in copy of letter to courts that I sent to creditor months previous. I called company again and they gave no attempt to assist me and was advising me it was proved to be mine and my debt. That is 100 % incorrect. Then next communication I recieved was by my employer advising me of garnishment papers so again i appeared in court but they did not, I was again trying to attempt to get this incorrect collection out of my name and attempt to get the debt placed on the correct person that opened it. I advised both collection and attorney 's office that this must be a case of identity theft or an error by creditor because I was in the process of forclosure and sale of my home and spent about 2 out of the past XXXX unemployed with XXXX income and wouldn't have even attempted to apply for any loan or credit knowing I was without income and my credit history the past 3 yrs. I am not sure how this creditor could have possibly approved anything under my social due to scoring and past due student loans. I have no other tradlines or credit or payments once again due to the lack of income and credit trouble. This is not my account or debt or credit witch ever it may be. I am not even aware nor have I ever heard of the Creditor and I don't even know the kind of account they are trying to garnish for or when the account was opened or what the amount owed is because It is NOT my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: Freedom Mortgage Company
State: IN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020, I made a mortgage payment in the amount of {$900.00} to Freedom Mortgage through my bank 's online bill pay feature. Unfortunately, there was a typo when I entered my account number on the online bill pay and Freedom Mortgage indicates that they didn't receive the payment ; however, the bank documents indicate that they did. 

I have contacted Freedom Mortgage more times than I can count to try and locate where this {$900.00} went and have it returned or applied to my account. I've provided a copy of my bank statement to Freedom Mortgage demonstrating proof of payment including a tracing number. They keep requesting a submit a new investigation with the same information. 

I'd love for this issue to be resolved and I'd be grateful for any help and advice you can provide.

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 2023-05-10
Company: Experian Information Solutions Inc.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place.

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 2019-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
The United States Bankruptcy Court failed to report payments to the three ( 3 ) credit bureaus from the Chapter XXXX  Bankruptcy case in which there were payroll deductions made by XXXX XXXX XXXX as well as payments made prior to and after with a money order in the amount of $ 700.00+ a month.

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 2021-09-09
Company: HCFS Healthcare Financial Services of TeamHealth
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: Account status incorrect

Complaint:
XX/XX/2021 I've sent a dispute letter to all 3 credit bureaus on incorrect reporting collection on 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 2021-10-08
Company: WELLS FARGO & COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I received an email alledgedly from XXXX stating that a fradulent charge of {$2200.00} had been charged to my XXXX account and that if I wanted to dispute this charge, I should call the phone number listed in the email. Already under great financial stress, I took the phisher 's bait as I could not afford to lose any more money than I already had. The scammer explained that if I opened my online bank account, I could see that this money had been withdrawn from my account. I did so and did see that the money was being withdrawn. The scammer explained that he would place the money back in my account but that I had to enter the numbers " {$2200.00} '' for this to occur. I did so. Imagine my surprise when my monitor screen showed that I had moved " {$22000.00} '' back into my account, rather than " {$2200.00} ''. 
At this point the scammer claimed that MY mistake ( which he had orchestrated from his computer ) would cost him his job at XXXX UNLESS I went in person to my bank ( Wells Fargo ) and wired the money directly into his account. Because I did not want him to lose his job and because I am an honest person and realized this money did not belong to me, I did go to my bank and make the transfer as instructed by him. 
Imagine my horror when I realized the next day that I was the victim of his manipulation, when he had convinced me that he was the victim here because of my mistake. 
I have no satisfaction either from Wells Fargo, my bank, or from the receiving bank, XXXX XXXX XXXX. You will find attached the original the scammer sent me, the wire transfer information the scammer gave me to complete the wire transfer, and a telephone chart of his phone calls to me. I have filed a report both with the FBI and with the FTC. I have contacted the local police and the local sheriff.

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 2018-11-28
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I contacted Mariner to confirm that I was paying the balance showing online. When I contacted the company speaking with XXXX, he indicated he would call me back soon as the computer was down. Well, a few hours later, no return call. I called back and though it was working hours, I received a voicemail and left a message and still no call that day or the following day. I got online to go ahead and pay the balance in which I initially saw upon calling was a little over {$2800.00} Well, a few days later, the balanced had increased approximately a {$100.00} dollars and the balance now was {$2900.00}, I did not understand the massive increase and when I called back and spoke to XXXX, he was telling me an amount that was not showing online. I informed him about the increase of the {$100.00} and he could not explain why the balance had increased that much and he claimed he was not seeing the amounts in which I was stating was on the account upon logging on. Well, when I reluctantly paid what was displayed for the balance, {$2900.00}, it then shows me that a remaining balance on the account that was not in the balance showing, it was {$120.00}, which made me pay {$3000.00}. I do not agree with this as the payoff balance as the account should reflect a real time balance and XXXX could not justify why this was not the balance on the account. I requested a manager and XXXX, indicated he was the manager of the store and which he is a poor representation for this organization. I called the corporate number ( XXXX ) XXXX to discuss that the balance that was showing on the account as a payoff, is not the amount that I paid, I paid more. left two messages on their voicemail and no return call. I also wanted to inform them that XXXX did not call me back to discuss the account as he indicated he would which cause me to pay even more than the {$2800.00} hundred that the account was originally reflecting as the balance as per my initial contact. When I called back, he could not tell me why it had increased over a {$100.00} for the balance, then he could not tell me why it was asking for more money when I paid the balance that was then showing of {$2900.00} then still telling me that {$120.00} is due to pay off the account which I paid. XXXX is not knowledgeable and is a poor representation of the 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 2022-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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 my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. Regardless of the multiple written requests, the public record, accounts and inaccurate information listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with ( XXXX, XXXX, TRANSUNION ), they are willful negligent and non-complying with federal statutes & I need this matter handled immediately. The following items are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed : XX/XX/XXXX XXXX XXXX Balance : {$0.00}

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 non-monetary relief
Consumer complaint received 2019-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 sent several documentation to XXXX  regarding my credit report the information is still on my report, ive provided mailing and documentation from the creditors and they still have not removed the information ive advised im a victim of fraud along with paperwork from ftc

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 2023-02-05
Company: CURO Intermediate Holdings
State: WY
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In reviewing my credit report, I noticed that I had a collection from a company called AD Astra Recovery. I attempted to reach them by telephone in XXXX of XXXX. On XX/XX/2022 I sent them a fax, as I was provided the number by the operator and told to send in a request for information as they would not release it over the phone. You can see by the attached Fax Log that the fax was sent at XXXX on XX/XX/2022 with the two pages attached. I attempted to verify the debt. Since that time, AD Astra Recovery has not provided any information nor responded to the fax. I believe that this is a violation of law and this item must be removed from my credit report immediatley.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-02
Company: EQUIFAX, INC.
State: WA
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: Problem with personal statement of dispute

Complaint:
The following Credit bureaus failed to report to my credit report for the month of XX/XX/2022 on my XXXX XXXXXXXX XXXX XXXX  account : XXXX and Equifax. I contacted the XXXXXXXX XXXX XXXX company and they stated that they sent all the information to all the credit bureaus for the monthly updates. The only one that was updated was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: EQUIFAX, INC.
State: MD
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-15
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I have two credit cards with XXXX  XXXX, and I am an authorized user on a family members XXXX  XXXX and XXXX card ; and all four cards are not reporting to my Equifax Consumer Report. 

I called XXXX XXXX and XXXX and they both told me that the information was sent to Equifax and to call them. I called Equifax and they told me to call XXXX XXXX and XXXX. This is very frustrating because these card are being reported on XXXX and XXXX, I highly doubt they would send the information to just two bureaus and not the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Santander Consumer USA Holdings Inc.
State: NE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Car loan was paid in full on XX/XX/XXXX. Company submitted on XX/XX/XXXX to credit bureaus that I was 90 days past. As of XXXX they submitted I am 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting 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 writing to formally file a complaint and request the immediate removal of several fraudulent items that persistently appear on my credit report. These fraudulent items have been inaccurately affecting my credit score and financial reputation. The fraudulent items include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

This account has never belonged to me, and I have never authorized any transactions or services associated with it. It has been fraudulently reported on my credit report, and I request its immediate removal. have never had any dealings with this account, and it has been fraudulently reported without my consent. I demand that it be removed from my credit report promptly. This account is entirely fictitious and has been added to my credit report without any legitimate basis. It is imperative that it be removed to prevent further damage to my creditworthiness. 

I have taken several steps to address these fraudulent items, including reporting the issue to the respective creditors, disputing the items, and filing a police report. I have also initiated a fraud alert with the credit bureaus to protect my credit file from further unauthorized activities. 

In accordance with the Fair Credit Reporting Act ( FCRA ), I insist that you investigate and rectify these fraudulent items on my credit report immediately. Under the FCRA, you are required to investigate disputed information within 30 days and inform me of the results. If the information is found to be fraudulent or inaccurate, I request that you provide me with an updated credit report reflecting the removal of these items.

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 2023-02-05
Company: PNC Bank N.A.
State: AZ
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
The people that work at the PNC branch at XXXX XXXX XXXX XXXX XXXX in XXXX, Arizona are former BBVA Compass employees, and they are wonderful. 

But since PNC Bank bought BBVA Compass, it has become a PREDATORY LENDER. 

HISTORY : On the last day of XX/XX/XXXX, I went in here to make a principal payment of {$500.00}. It was misapplied. On the last day of XX/XX/XXXX, I went in to speak with the branch manager to get the mistakes corrected from XXXX principal payment and make another principal payment of {$500.00}. It was misapplied. I called them and have spoken with multiple people from their executive offices. They have called me with assurances. I have been back and forth multiple times with them on XXXX. 

Trusting what they said, I made a {$1000.00} principal payment on XX/XX/XXXX. I checked today. HERE IS MY STATEMENT which I just reviewed. ALL OF MY PRINCIPAL PAYMENTS ARE STILL MISAPPLIED. 

PNC is RIPPING ME OFF and I want them sanctioned and fined. 

Others should be warned. 

Also, I reconcile my account monthly in XXXX and their statements do NOT show all of the charges because my account is more than {$30.00} off. What else are they charging me? 

SOMETHING STINKS.

Company response to consumer: Closed with explanation