BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-08
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Send email stating they did NOT receive mortgage payment when the company was called called regarding emails company employees responding to concern state that they NEVER received XX/XX/XXXX, payments and more. 

Our bank XXXX XXXX XXXX  was contacted regarding the payments showing that in fact NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXXDID receive payments, however NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX. Falsified where they posted the payments to falsified statements they quote ' NEVER RECEIVED PAYMENTS ' regarding our VA mortgage account After you log in to their web page i.e., et al., etc., https : //signin.newrez.com/signin/myaccount AFTER you make payments states ' Congratulations ' YOUR PAYMENT WAS RECEIVED however the company NEWREZ LLC DBA , SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXX XXXX XXXXXXXX. Never posted correctly on account and list the mortgage payment and escrow payments as quote ' SURPLUS ' after sending numerous emails alleging never got payments in XXXX alone the folling payments were made XXXX accounts XXXX myself XXXX my daugthers paid to AFER sending emails they never received payments NEWREZ LLC DBA , SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX NEWREZ-SHELLPOIN HIST RTN XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXX XXXX {$870.00} - - - XX/XX/XXXX NEWREZ-SHELLPOIN WEB PMTS XXXX XXXX XXXX XXXXXXXX XXXX {$870.00} ESCROW ADDITIONAL PAYMENTS XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$230.00} XX/XX/XXXX NEWREZ-SHELLPOIN ACH PMT XXXX XXXX XXXX XXXXXXXX XXXX {$200.00} After you click links on their web page under payments it listed payment as quote ' SURPLUS ' same issue with escrow payments not being posted accurately to account same with escrow payments AFTER receiving notices from company that they quote need payments for escrow the loan is FULLY AMORTIZED VA LOAN, and more issues regarding mortgage fraud on behalf of this company https : //signin.newrez.com/signin/myaccount , NEWREZ LLC DBA, SHELLPOINT MORTGAGE SERVICING NMLS # XXXX. Shellpoint Mortgage Servicing XXXX XXXX XXXX. XXXXXXXX XXXX XXXXXXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC.

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 2016-04-09
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
Dear CFBD, My name is XXXX XXXX and my wife XXXX and I were first time home buyers in XXXX XXXX XXXX in XXXX Illinois XX/XX/XXXX. We Financed a loan from Wells Fargo at 100 % at {$290000.00} and could n't afford to put XXXX % down so they split it up to an XXXX loan. They XXXX % loan is fine, but the XXXX % ( or Home Equity Loan ) is robbery. This loan was purchased at {$58000.00} at 9.25 % and was a 15 year loan with a balloon payment of {$47000.00} at the end of its term. Our payments consist of {$480.00} per month and over the last 9 years of onetime payments, our remaining principal balance is {$53000.00}. Over the years I have reached out my concerns to Wells Fargo about this loan and as a first time homebuyer, we did not understand the terms of this loans until a couple of years after its purchase. I went through a modification program, settlement program, and Home Equity Line of credit refinance program for this loan. They were all rejected by Wells Fargo because they see my wife and I are both working and can afford to make our payments. We have weathered the financial crises storm of XX/XX/XXXX and XX/XX/XXXX, but over the years our neighborhood did not. During that time period our house lost about {$100000.00} of its {$290000.00} from its initial purchase. Our house remains about {$35000.00} under water and with our bad home equity loan, at the very least Wells Fargo can do is modify this loan and have a normal financial rate. Our house has put us into so many struggling years and Wells Fargo is to blame for providing and tricking us with this bad loan. After over {$51000.00} of payments on a {$58000.00} loan, we still owe {$53000.00} on this loan. This is robbery. Our Wells Fargo Home Equity Loan account number is XXXX. If you could please look into this and do something about it, that would be much appreciated. That is the only right thing to do. 

Thank you, XXXX and XXXX 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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and omitted from erroneous reporting in my file are listed on my credit report. 
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

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 2022-06-02
Company: ENCORE CAPITAL GROUP INC.
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Checked my XXXX XXXX  and seen that it had s collection that is not mine i have a letter of the correct person who is responsible for that account, collection, and debt. I have done a dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: Experian Information Solutions Inc.
State: NY
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 tried logging into Experian with my date of birth and ssn and it sent the login to another email address that isnt mine

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 2022-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act XXXX XXXXXXXX Account # XXXX ; XXXX XXXX XXXXXXXX XXXX  Account # XXXX ; XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX ; XXXX XXXX XXXX Company Account XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Account # XXXX ; XXXX XXXX Account # XXXX ; XXXX Account XXXX XXXX ; XXXX XXXXXXXX XXXX Account # XXXX ; has XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
IC System, Inc. is attempting to collect a debt on behalf of XXXX XXXX XXXX XXXX Account # XXXX ) The account was opened in the state of Georgia. I live in California. I have never lived outside of California nor have I ever cosigned for anyone to open an account. 
The said action appears on my credit report. At this point, it is preventing me from refinancing my home. I have disputed the action with XXXX, IC System and XXXX Neither XXXX nor ICS has provided me with documentation of the said account, nor the names of the account holders. I am requesting this account be removed from my credit report. The total debt is {$1100.00}. I have been advised by 2 different Mortgage companies ( XXXX and XXXX ) to pay the balance so we could resume the refinance process. It feels like big business extortion to me.

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 2017-12-12
Company: SUNTRUST BANKS, INC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have loans totaling apps {$40000.00} from XXXX. I ca n't verify this amount. The bill is currently near {$80000.00}. The loan was consolidated with my husbands who borrowed much more than I, died in XXXX. They forgave his debt but from what I can discover, I still owe more than he ever did. They will not verify anything with me or tell me how they come up with the math that seems very unfair. I am currently in low income deferment but would appreciate clarification on the numbers. 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 explanation
Consumer complaint received 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I received a copy of my credit report to find XXXX XXXX has several error on my report. It is missing the account type for XXXX, it is showing a charge off XX/XX/XXXX - XX/XX/XXXX on XXXX, yet it shows Paid on XXXX. It also is reporting as charged off while showing a current due balance. A charge off means they took the tax break already, so they can not also collect on said debt. 

Under FCRA ( Fair Credit Reporting Act ) section 609 I have the right to dispute any and all incorrect information being reported on my consumer reports which I am exercising with 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: American Credit Acceptance, LLC
State: TX
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:
XXXX accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. There shouldn't be any payments or late payment reporting on my report 15 U.S. Code 1681a ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 6801 ( a ) It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 16 CFR 433.2 NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: WELLS FARGO & COMPANY
State: IA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
In our complaint we maintain that Wells Fargo took a line of credit that was in my name only, paperless without our knowledge. This line of credit was apparently tied to our joint checking account as overdraft protection after we thought it was closed out. The result of Wells Fargos action made this line of credit invisible to us. My wife could not see the line of credit on-line since it was in my name and I did not use Wells Fargo on-line . If we were receiving monthly statements for this line of credit over the last 10-12 years, there is no way we would have run it up to {$30000.00} and incurred all those interest charges. We believe that Wells Fargo should remove all the interest charges from this account Wells Fargo is pleading ignorance based upon WFs seven-year retention policy ( implying they have no record of how this account went paperless ).

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 monetary relief
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Was not notified of investigation status or results

Complaint:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX, SC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX  XXXX Balance Owed : {$530.00} ; XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-08
Company: West Law Group, PLLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Company claims to be a law firm trying to collect debt as a 3rd party debt collector. The firm has been verified by the Secretary of State that it doesnt have Surety Bonds to collect debt, but has seized and collected debt through a contract that was made and signed on XX/XX/2022 for the amount of {$200.00}. Possibly a scammer using past law firm information from multiple sources OR a Law Firm operating WITHOUT SURETY BONDS. Contacted Secretary of State who verified the following companies do not have surety bonds and that they have been canceled, but are continuing to operate and collect debt ; XXXX XXXX. XXXX, XXXX XXXX XXXX, West law group, west law group PLLC. The Law Firm has been asked to send a receipt for proof of payment and refused, the firm was requested to send a copy of the original creditor contract and refused. The contract is signed under XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Tx XXXX, XXXX, XXXX. May go by the name XXXX XXXX XXXX XXXX Westlawgroup.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-31
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: Information belongs to someone else

Complaint:
Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, R ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX AL XXXX ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$980.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX BANK ) XXXX Balance : {$4200.00} XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX 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