BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-07
Company: CORELOGIC INC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet all Persons/Corporations are reporting this information. The reporting of excluded information pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of the consumer XXXX  compliance. Provide me with the XXXX compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that any account that negatively reflects has been " validated '', let 's be clear that I am not asking you to validate or verify anything. Please do not respond saying that as a tactic to waste my time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of the IRS form 1099-C Cancellation of Debt. XXXX and other Reporting Agencies/Creditors reporting Collections/Charge-Offs, late payments/ALL other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted Overview with the Internal Revenue Service against ALL entities involved if ALL derogatory information is not deleted from my consumer report within 30 days I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Original Information.

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 2023-05-03
Company: Experian Information Solutions Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX account on credit report is in collections for no reason I have made my payments on my account but there are unknown charges on my account since XXXX i been trying to contact XXXX XXXX XXXX no response

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 2020-08-31
Company: Bread Financial Holdings, Inc.
State: CA
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:
There is an inquiry on my XXXX  credit report posted in XX/XX/2020. I am unaware of this inquiry and did not attempt to open a line of credit with this store/company. Ive tried to reach out to XXXX XXXX and XXXX   and with no help have had no luck. They havent provided any information to me in regards to how to further contact them. Their number listed on my credit report reads XXXX XXXX XXXX XXXX. I have no way of further contacting them and have reached out to XXXX about this not being me that attempted to establish a line of credit with this company. XXXX   has refused to do anything.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I awoke on XX/XX/XXXX to find my checking account that I use to auto pay XXXX XXXX payment was overdrawn by over {$2700.00} dollars. I called XXXX immediately to request that they replace money withdrawn as this was double my normal payment. The agent on the call told me that they would need to verify with XXXX that payment was made. The agent called XXXX with myself on the phone 3 way call. The agent stated that the transfer was made from XXXX to XXXX XXXX in the amount of {$5.00} dollars. On or around XX/XX/XXXX I got a knock at my door from someone delivering certified mail. This certified mail was notice of foreclosure proceedings. Turns out that XXXX had not made the payment to XXXX given the vast overdraw. XXXX then reversed ( unknown to me at the time ) my on-time XXXX, XXXX, XXXX payments and effectively marked my account in a 90 day default in XXXX despite these payments being made the XXXX of the month every month in XXXX. All funds were paid on XX/XX/XXXX including the payments reversed as well as the shortage amount that XXXX had misappropriated. In a letter to my attorney in response to first NOE that was sent they acknowledge sending {$11000.00} from previous mortgage company elsewhere other than my account. They also state that payments were received on time and that the default was a result of the reversal that happened in XXXX. Again, all fund were then paid in XXXX, if anything I would have been 18 days late not 90 days in default. My attorney has sent 2 NOE, I have sent correspondence to XXXX as well as called them several times. Even though all payments were made on time they are refusing to correct credit report. This has been detrimental to my credit as well as my ability to feed my children. I have been 100 % on time payments across all accounts until this error by 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 2020-08-29
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We are currently paying {$280.00} monthly into our escrow. Annually that is a total of {$3300.00}. NewRez pays our County tx biannually in the amount of {$1400.00} which equals a total of {$2900.00} for our taxes. Also our XXXX XXXX Home owners Insurance is also paid in the amount of {$820.00}. Total amount paid out in Ta xes and Home Owners Insurance is {$3700.00}. The Annual Escrow Disclosure statement show a Shortage of  {$290.00} up until XX/XX/2020. However, if our balance for taxes and home Insurance is {$3700.00} - our yearly escrow payment of {$3300.00} our remaining balance owed is {$360.00}. 

Here is the discrepancy : they are showing an Escrow shortage of {$1200.00}. Why???? even if they have a so called Cushion of  {$620.00} as shown on the Escrow Disclosure I can not justify having a Shortage of {$1200.00}. In addition to the fact that in the month of XXXX we paid out {$870.00} Mortgage payment and {$1900.00} which was supposed to be an escrow shortage payment. Now here it is XXXX and once again we are facing another escrow shortage payment. Why??? Also, there is no explanation for the " other fee payment ''. What does this other fee payment mean??? I have tried to resolve this numerous times by calling in but as you know no one in this company is accountable for anything. No one can explain to me what are these other fee payments. 

It is this Mortgage companies bad practice not to make anyone accountable for any information given. I have several emails from NewRez they all come from a General Email box with no contact name. It is so sad that this PATHETIC MORTGAGE THIEVES are allowed to exist. 

I need to know why are we constantly behind in payments with this Mortgage thieves when we are constantly paying out money to them. Notice that you will not find one missed payment but yet we are behind not sure how this happens. We have MASSIVE documentation to show our payments throughout the entire time this mortgage has been transferred. 

This is a recurring issue with NewRez and it really does not help that our Mortgage has been transferred numerous times. Apparently in the process of transferring our Mortgage accurate payment history is NOT transferred.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: The CBE Group, Inc.
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
All these different numbers especially this number XXXX just keep calling my phone about a debt that doesn't have nothing to do with me off the early morning at XXXX. When I answer he said he is from the CBE group & telling me to verify my address which I didn't & then I hung up the phone once he said that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-05
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I filed complaints with the Consumer Financial Protection Bureau about Wells Fargo Bank and their Home Mortgages. Wells Fargo Bank and their Home Mortgages lie about everything and anything. I am including in this complaint my property tax bill and what Wells Fargo Bank claims is my property taxes the difference is {$1400.00}. Someone at Wells Fargo Bank, Home Mortgage is putting this money in their own pockets. They are no doubt lining their pockets with others money too. Wells Fargo Bank, Home Mortgage representatives went to the county tax office and tried to get the tax changed unsuccessfully. Wells Fargo Bank and Home Mortgage will cover up anything until the indictments. Wells Fargo Bank employees launder money for drug cartels. Wells Fargo Bank employees in XXXX, TX gave my mortgage loan account number to known convicted Mortgage Fraud criminals and now is attempting to deny that too. Wells Fargo Bank is going to court about this scandal of their mishandling of property taxes here in Texas. I am not late on any payments. Wells Fargo Bank, Home Mortgage hires criminals, Wells Fargo Bank, Home Mortgage hires the inept and incompetent. That's why they continue to deny the facts in this matter and continue to withhold my deed from me. This mortgage loan is paid in full. Wells Fargo Bank, Home Mortgage needs to act in accordance with the laws. 2 mortgage payments were stolen from Wells Fargo Bank 's electronic site due to the lack of security. Wells Fargo Bank, Home mortgage has mishandled this loan. Wells Fargo Bank is refusing to follow the terms and conditions of the loan I received from XXXX XXXX and continues to misapply my money. They have the application of payments wrong again and not with the terms of the agreement I signed. Wells Fargo Bank forgets I have the original copies of the mortgage loan. Wells Fargo Bank forgets that I have gone to a US Senator from Texas. Wells Fargo Bank refuses to acknowledge that they are under investigation from the SEC for mishandling property taxes here in Texas. Wells Fargo Bank must produce my deed and turn it over to me as this loan is paid in full. I will not be a part of a criminal cover-up.

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 2023-10-07
Company: Westlake Services, LLC
State: UT
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
The company sold me a car with a recall, the coerced the paperwork to inflate the interstat rate and to not document my down payment, and to not use gap insurance money I paid for gap insurance. The proceeded to not record payments made on time and denied the gap claim when filed. They issued a XXXX charge off, on a vehicle I purchased for XXXX. They have illegally coerced the loan to higher interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02
Company: WELLS FARGO & COMPANY
State: MD
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
After obtaining a Wells Fargo loan on a used XXXX  from XXXX XXXX, there were several issues from the start including thousands dollars of tax charged that even after multiple attempts to remedy, as my home state, New Hampshire does not have sales tax alerted me to the fact that they had refunded the amount from the loan to the dealership who then blamed it on Wells Fargo and years went by without remedy of loan amount adjustments or a refund from the dealer. 

After learning of my scheduled payments not being received due to a security breech from my bank which had always made auto payments as scheduled, I was made aware that there was theft in my personal account and all proper reports and paperwork were completed. I then contacted Wells Fargo to make payments and inquire about excessive and unexplained charges and fees. Despite my attempts to remedy any issues, the Wells Fargo representative said they refuse to allow me to make payments and my car loan would either need to be paid in full immediately or it would be repossessed. I pleaded for clarification and to speak with someone else to which I was dismissed and rudely had my call ended. I was well into my loan and my car had little to no mileage and actually was valued well beyond my overdue payments or even the loan balance. After repeated attempts to remedy, they sent someone out to repossess my car with all of my belongings as well as that of my childrens sports equipment and expensive camera equipment that was loaded up for my next job. Without any information or ability to reclaim thousands of dollars of my personal items, illegal charges, and deceptive practices, I was informed that I would be receiving some financial remedy for a class action suit. I received nothing and despite my ability to remedy or pleas for consideration, I too was a victim of their deceitful practices. I will not sit idly while big corporations to capitalize on their power to exploit their customers and would like clarification and an update on my settlement.

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 2021-03-17
Company: Mercedes Benz Financial Services
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am writing today in regards to my account with MB Financial Services Account # XXXX. The reason for writing today is in regards to the late payment which is showing on my report in XX/XX/XXXX, due to Covid I was unable to make the payment in XX/XX/XXXX. As soon as I was able to, I got my payment made and caught up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-20
Company: Nelnet, Inc.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan serviced by Nelnet. My original loan ( s ) we're for {$37000.00}. I have been making payments for 17 years, and make XXXX payments a month, when I'm able. 

According to Nelnet, YTD, I have paid {$100000.00} toward my {$37000.00} loan and {$16000.00} of that is interest. I have paid almost half my loan in interest. Nelnet also says I still have {$15000.00} left to pay. I was in a graduated repayment for a long time out of necessity, which I know played a large part in this. But at this point, I feel like I'm just being taken advantage of. 

I just got off the phone with Nelnet and the customer service agent explained to me in a very convoluted way that that is not the total amount I have paid, myself. It includes the consolidation when my loan was sold to Nelnet, plus interest. The problem with this is that I shouldn't still owe {$15000.00} if that is the case. It is also my experience that everytime I have to call Nelnet I receive a different answer, depending on who I talk to. I'm certain I could call back again and speak to someone else who would tell me something completely different. 

Nelnet has been sued multiple times for fraud. It's no secret they do everything they can to extract as much money from people as possible. I don't trust what's happening to me right now, and I feel at a loss. I don't know what kind of solution there is to this other than Nelnet finding that I have, in fact, fullfilled my repayment agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Despite my numerous attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue remains unresolved. The inclusion of these items has profoundly impacted my life, causing significant stress and XXXX  It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

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 2023-04-07
Company: Experian Information Solutions 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: Public record information inaccurate

Complaint:
In XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I mailed a letter to all three reporting agencies to reconcile my report. Since my last communication, I have waited 30 days for a response and at this time I can't get my current score or report. My main concern is that the bankruptcy from XXXX is still present on the credit report as well. I have sent copies of a letter from the Eastern District bankruptcy court in XXXX WI stating that this information was not supplied by them to any reporting agency. I have since asked the reporting agencies to submit the following. 

Please verify that this public record is reporting completely and accurately please verify that the complete and full court name is reporting the full complete and accurate docket identifier, bankruptcy type, account ownership type, attorney name, disposition type, disposition dates, filed date, pay date and settle date. If you are unable to verify any of the information requested remove this bankruptcy immediately all dates should be reported fully and accurately to maintain the integrity of my consumer credit reports.

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 2018-12-21
Company: Mr. Cooper Group Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have submitted two CFPB complaints thus far for this issue both times Mr. Cooper thinks they have explained away the problem. I will now be attaching THEIR response stating THEIR records show me as paid in full and not late in XXXX. I will also be attaching a screen shot of my credit report where THEY reported me as 30 days late that month. 

If they have admitted that I was paid in full that month, why did they report me as 30 days late? If they made that mistake, isn't it possible they could have made the other, like I continue to say. I would like a letter of deletion for the month on XX/XX/2017 that they have now admitted in writing is an error on their part. I will continue to file complaints and have hired an attorney because companies shouldn't be able to treat XXXX XXXX   XXXX recipient veterans this way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: Lending Club Corp
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I recently lost my job due to the company 's layoff. As a result my last paycheck was mailed to me and not direct deposited. I contacted LendingClub on XX/XX/2019 to advise them of my job loss but that I could make the next payment. They advised there would be a 15 day grace period following the XX/XX/2019 due date. I contacted them again on XX/XX/2019 to request that they cancel the autopayment as the paycheck deposit had not cleared my back. They advised me they were moving the payment date to XX/XX/2019. The deposit cleared on XX/XX/2019 in my bank account. I logged into my LendingClub account to make a payment and found that they have blocked online payments. So I looked up in their help documentation where to send a check and sent them a check directly from my bank service. I then contacted them via email to advise that the check was on the way. They responding saying they will apply late fees, extra interest, and fees for processing a check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: EQUIFAX, INC.
State: AL
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 called equifax to let them know its fraudulent activity going on with my credit report which is 3 accounts thats are fraudulent I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as Im talking about XXXX. XXXX XXXX  XXXX. XXXX XXXX XXXX. XXXX XXXX This is not a dispute this is a request if you dont have any documentation of these accounts to verify they mines then I ask Equifax to remove these fraudulent account and hard inquiries i also file a ftc report of the inquiries and I wrote a affidavit of fraud of the hard inquiries I attach them with this complaint I did everything I can to get equifax to remove them and they wouldnt so this why Im filing this complaint Im adding my id and social security number thank you I give you 15 days to show me proof documentation from those accounts if you dont have proof I asked you to remove them please and send me proof that those accounts are removed from the address thats on file thanks

Company response to consumer: Closed with explanation