BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Shellpoint Partners, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Dear Sir/Madam, I am writing to file a formal complaint against NewRez LLC XXXX a mortgage servicer, for potential violations related to interest accrual and reporting practices. It has come to my attention that NewRez may be increasing the unpaid principal balance ( UPB ) during the forbearance ( FB ) plan period, resulting in an inflated interest-bearing amount and interest accrual on interest. Furthermore, NewRez has been consistently reporting an increased principal balance to the credit bureaus on a monthly basis. I believe these practices are in violation of applicable regulations and guidelines. 

I assert that NewRez, as a mortgage servicer, is not capturing the delinquent interest accrual separately, increasing the note amount. This, in turn, raises the interest-bearing amount, leading to interest being charged on interest. Such practices may be in contravention of the rules established by relevant regulatory bodies, including the Federal Housing Finance Agency ( FHFA ) and the Consumer Financial Protection Bureau ( CFPB ). 

In light of the above, I kindly request the following actions to be taken : Investigation : I request that the CFPB conduct a thorough investigation into NewRez 's interest accrual and reporting practices during the forbearance plan period. The investigation should assess whether NewRez is increasing the XXXX XXXX XXXX, leading to an inflated interest-bearing amount and interest accrual on interest. 

Guidance : I recommend seeking clarification from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX or the CFPB regarding the permissibility of increasing the principal balance during the forbearance plan period. It is important to establish clear guidelines and standards for mortgage servicers to prevent unfair and deceptive practices. 

Reporting Accuracy : I urge the CFPB to address the issue of NewRez reporting an increased principal balance to the credit bureaus on a monthly basis. This reporting may misrepresent the true financial status of borrowers and could have significant implications for credit scores and access to credit in the future. 

I believe that addressing these concerns is crucial for ensuring fair and transparent mortgage servicing practices, protecting the rights of borrowers, and maintaining the integrity of the housing finance system. I am prepared to provide any additional information or documentation that may assist in the investigation of this matter. 

Please inform me of any actions taken or updates regarding this complaint. I appreciate your attention to this matter and your commitment to consumer protection. 

Thank you for your prompt assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-28
Company: Experian Information Solutions Inc.
State: CA
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:
When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-05-12
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: Account status incorrect

Complaint:
XXXX card credit company has reported to all three credit bureaus that I have not made on-time payments in XXXX, XXXX, XXXX, of this year in 2023. This reporting is 100 % false as I have made every single payment on time. I have provided evidence of payment to Experian and to the credit card company because they deduct the payments out of my bank account automatically. 
I disputed this false information on Experian provided evidence of payment and found out today that the credit card company has declined my dispute, and will be leaving the negative marks on my credit. I am in desperate need of help because this false reporting is affecting my credit.

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 2022-06-16
Company: Experian Information Solutions Inc.
State: IL
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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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.

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 2023-08-05
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Due to Covid 19 and other factors, my family 's financial situation became difficult, and we struggled to cope with the high interest rates on our credit cards. Eventually, we reached a point where we can no longer afford to repay the debts. However, the credit card company and collection agency are demanding large sums of money by applying compounding interest, resembling a debt trap. Over the years, they have taken interest that exceeds the principal from the credit card company, and now the collection agency is adding additional interest on top of that. We believe this is unfair, and we request that you follow proper procedures based on accurate calculations and provide realistic solutions such as debt reduction.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I was recently looking at my credit report and I noticed a number of accounts I did not create or authorize. I also noticed a number of accounts with false late payments and derogatory remarks. All of which need to be removed from credit report. I am writing this due to non-compliance with ( XXXX XXXX, Transunion ). They have failed to remove information that was satisfied with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2023-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information is missing that should be on the report

Complaint:
To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : ( Previous / Incorrect Addresses ) 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  Please remove and delete these as I feel I am a victim of identity fraud. There have been several data breaches with my personal information leaked.

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 2023-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 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 and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-08-18
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:
I was a victim of identity theft and the information on my credit reports are inaccurate. Hence why I would like to have the following accounts removed from my credit profile please. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$210.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX {$5600.00} XXXX XXXX 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
Consumer complaint received 2023-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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:
Consumer complaint narrative In accordance with the fair credit reporting act this creditor has violated my rights under 16 USC1681section 6 o 2 states i have the right to privacy 15 USC 1681section 604 a section 2it also states that consumer reporting agency can not furnish an account without my written instructions under 15 USC 1666B a creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose. XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-03
Company: FC HoldCo LLC
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have an auto loan through Flagship Credit. I've only had the loan on the used car since XXXX. My payment is due on the XXXX of each month and I make my payments on time. The last 2 months I've had to make the payments on the XXXX of the following month which would make my payments 15 days at the most late. This company calls me every 2 hours daily! I've asked them to please note the account when I would make the payment on the account to stop the calls and the calls stop for two days maybe. I've been polite, I've asked for management and was told there's no manager. I understand there's an auto dialer system, but I also know if the account is noted properly I won't receive these calls. I received a call this morning and the person wasn't speaking English at all and didn't acknowledge me on the phone at all! Your assistance on this matter would be greatly appreciated. 

Thank you 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 2023-06-24
Company: LAKEVIEW LOAN SERVICING, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My complaint is against Lakeview Loan Servicing, a division of XXXX  ( XXXX # XXXX ). 

In XX/XX/2023 it came to my attention that I was 30 days delinquent on a loan ( # XXXX ) serviced by Lakeview. When the loan had been transferred to Lakeview in XX/XX/2023, I had used their online portal ( https : //lakeviewloanservicing.myloancare.com ) to set up auto-pay on the balance each month. Unfortunately, their system did not process my auto-pay request correctly, and later when I checked up on the platform, I got a very misleading message on the platform that " Online payment scheduling is currently unavailable. The most likely reason is you have already scheduled an online payment. '' Moreover, even though I had registered for an account in XXXX ( see supporting document ), there was never any email communication that my loan was not successfully being paid down. 

The end result of Lakeview 's inadequate online service is that my loan ended up becoming 30 days ' delinquent for XX/XX/2023. I promptly called customer service and was able to rectify the situation immediately by paying the outstanding balance over the phone. I also received verbal confirmation that I would be able to get the delinquency status removed by emailing the XXXX team ( XXXX ). I sent a detailed email of the situation on XX/XX/2023 - see attached documents. It has been 3 months and there has been no response from Lakeview/XXXX 

I have never once missed a payment to any debt servicer in my life and pride myself for an excellent XXXX credit score, but this issue has negatively impacted my score by over XXXX points ( from XXXX to XXXX ). I have tried contacting the credit bureaus disputing the matter. XXXX and XXXX both accepted my dispute and initially increased my credit score back to XXXX. However, for the latest month, I was notified that my score went back down to XXXX - see attached document XXXX-score-history.pdf - I believe it is because Lakeview XXXX XXXX continue to send the credit bureaus a loan history reflecting the XX/XX/2023 delinquency. 

Thanks for your prompt attention and investigation into this matter. 

Regards, 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 2021-05-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had originally filed a claim with Wells Fargo for a merchant who didnt payback my winnings at the XXXX online casino. Wells Fargo opened a claim and I lost the investigation even though the company never responded to the dispute. Wells Fargo asked me to send in documentation with a follow up call. I did follow through with the the documentation and call. I then have a card reversal or a provisional credit and it drawn my balance into the negative. Wells Fargo claimed I didnt send documentation but what they received wasnt a pdf to what they prefer and never decided to call me to send in the right format. I spoke to 3 different specialists and they all gave me a different answer. One said resend the documents. Another said the case was closed. This happened all in the same day and was told I cant re file another claim. Do not trust this bank. They try to manipulate and discredit customers in every way.

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 2022-01-03
Company: WELLS FARGO & COMPANY
State: NM
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
This is the classic XXXX fraud that is happening everywhere. 
On Sunday afternoon, XX/XX/XXXX, I received a text using the Wells Fargo logo, stating that {$3500.00} dollars was authorized to be sent and asked if I recognized it. I texted no. After a few minutes, I received a phone call from the exact Wells Fargo number that is on the back of my Wells Fargo debit card. The person stated that my XXXX had been hacked and that I needed to send money to myself to stop the process. I followed his instructions and sent XXXX dollars to my XXXX XXXX XXXX XXXX email address ( XXXX ). I received notice in my XXXX email that I had received money. Then the person asked for other info, and I suspected fraud, so I hung up. I immediately called Wells Fargo and detailed the problem. They said they would investigate and that someone would call me on Monday. Nobody called ; after XXXX weeks, I called Wells Fargo and complained, and again, they promised me somebody would call ; nobody called. But I received an email, so I sent an email to the customer service rep, but no response. A few days later, I received notice that the case was close, for I had authorized the payment, so Wells Fargo could do nothing. 

I then notified Wells Fargo by telephone that they were violating a Federal Order, listed at https : //www.consumerfinance.gov/compliance/compliance-resources/deposit-accounts-resources/electronic-fund-transfers/electronic-fund-transfers-faqs/ I have still heard nothing. I lost XXXX dollars using the XXXX app that is part of the Wells Fargo phone app. I did not authorize these funds, and Wells Fargo is violating the Federal orders by not responding and not reimbursing me the money.

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 2022-09-09
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
It says this account was opened in XXXX of 2022, however I have never had an account with this company and did not open a new account in XXXX of 2022.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-28
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called me 14 times within a 7 day period. Often times they would call 2-3 times in a row. I was previously with SeedFi and then SeedFi was sold to them for them to handle debts. If XXXX was the original company, I would have never went with them in the first place. I am being harassed by phone calls every day and SeedFi never did this. I was drawn to the easy use of the website of SeedFi and instead I no longer have this. The website is very difficult to use. I have called back one time to have the harassment stop however they did not answer and continue to blow up my phone around the times if XXXX. They also continue to blow up my phone while I am working and I have told them that it was my work hours as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: FIRST NATIONAL BANK OF OMAHA
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I was scammed by a company called XXXX XXXX. My bank held me responsible for paying for the gift cards that XXXX had me purchase with their money. I told the bank to deny the XXXX transaction as it was related to the fraud and XXXX XXXX  got their money back plus 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 2023-01-27
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello how are you today somebody opened an account in my name with XXXX XXXX XXXX  back in XXXX that I have been trying to dispute for years explaining to them and the credit bureaus but it keeps coming ing back verified cause. All my information was used I had lost my wallet or someone else stole it. Well it was was charged off but I keep telling them it's not my debt I never open with them I have been informed that this account was removed for my XXXX credit report because I had disputed this account back on XX/XX/XXXX and it was removed XX/XX/XXXX for the company they sold it to. The name is XXXX XXXX XXXX so I have reached out to XXXX XXXX today spoke to an agent over the phone he told me that this has been settled and removed almost XXXX  years ago and would request for there partners XXXX  to to be deleted from my report he also sent me an know obligation letter out this is just XXXX  unbelievable I'm so frustrated in stressed out because of this XXXX XXXX XXXX XXXX XXXX XXXX XXXX and I know I should just keep that part to myself sorry but that's how I felt I'm glad I didn't though but yeah like I was saying it's still being reported on experian and XXXX XXXX but has been removed on XXXX I need help they say in this world the truth will set you free well hear it is I feel like they just keep it on there cause it was once verified but that's not fair cause it's not mines I did not open that account every account I if they would just reach out to XXXX XXXX  they would know Then when I call XXXX XXXX in spoke to them over the phone yesterday they say they have nothing to do with this account they even sent me letters but why it's not mine I just need help thank you again .....

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