BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: REMAX
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was under contract for a property at XXXX XXXX XXXX XXXX Pennsylvania. My real estate agent was XXXX XXXX with ReMax and the selling agent was XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX and the title/escrow company is XXXX XXXXXXXX XXXX XXXXXXXX with XXXX XXXX as the point of contact. 

I sent my deposit in within 5 days of the contract date as instructed. Contract date was ratified on XX/XX/XXXX and the deposit of {$5000.00} was wired. Throughout the process, we were trying to get my approval for the mortgage, but since I am self employed the Debt to Income didn't work out and I was unable to obtain the mortgage. I attached below a document proving I was denied on XX/XX/XXXX which is prior to the contingency end date. 

We tried to get my loan to go through a bunch of different ways and the agents knew about this in full detail. 

I have not received my deposit back, neither agency will return any of my countless emails, calls, etc. This is is extremely unprofessional and unethical as they would call me constantly when it looked like they were going to make money off of me, but now that I need assistance with getting the money back ; which I am legally owed per the contract and the denial date, no one is communicating or helping me at all besides the lender. And I know they don't have control over this specifically, but they have tried to help and again to no avail. 

I didn't want things to come to this, but something needs to be done. I don't think a phone call is too much to ask for and legally since the money should be returned to me, i don't see why they are avoiding this situation. 

Lastly, I have been living out of a motel costing me {$130.00} per night ; which the agents knew about since I sold my home back in XXXX. So this has incurred many additional expenses and I need to figure out how to move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
Company: Linebarger Goggan Blair & Sampson LLP
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received 2 notices in the mail to pay a toll violation debt. I know it is fake because the license plate is obsolete, all violations have been paid, and I have an EZ PASS prepaid toll pass. The letterhead is in XXXX but the mailing address is XXXX Their website is designed only for payments and nothing else. When I searched for this violation on the XXXX state toll website, there were no matching records for this license plate, violation number, or reference number. I think this is a scam firm trying to collect fake debts from gullible people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
It is my understanding that the following collection agencies are being reported on my credit report.. XXXX XXXX ( ORIG CREDITOR : XXXX XXXX XXXX ) , XXXX XXXX XXXX XXXX..In relation to the debt, I do not own it, I've been denied credit because of this erroneous information. All I ask is that you delete this information from my credit report right away

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 2022-07-11
Company: Experian Information Solutions 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 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 719XXXX 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  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-07
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: Account status incorrect

Complaint:
On XX/XX/XXXX I called XXXX after I received a call from a company called XXXX claiming to represent XXXX. I spoke to the XXXX representative inquiring about account status and was advised that I was 60 days delinquent as of that day XX/XX/XXXX. I was confused because the last payment made covered 2 months. I asked has this information reported delinquent to the credit bureaus and the XXXX representative advised they do not report 30 days and report the first delinquency at 60 days and since today is the XXXX day if payment were received XXXX would not report the late payment. I said, are you sure? He stated yes, and I then provided my information to bring the account current. Before ending the call I asked if he could provide something in writing the account would not report and he said no, but I work for XXXX and this will not report as past due. On XX/XX/XXXX I received updates from all bureaus that XXXX reported 30 days delinquent. I now see this as a deceptive inhouse collections practice used to collect a payment and probably a cash incentive. This type of practice is not allowed per FDCPA and based on his conversation with me I request the delinquencies be removed from all bureaus. I spoke to XXXX a manager in the XXXX XXXX office that says she is sending a request to corporate to remove the late reports, however she has no last name and did not sound confident in her communication. I would like to ensure the call is pulled and listened to and XXXX honors what their representative advised me on 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 explanation
Consumer complaint received 2022-10-17
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:
In 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. 

XXXX XXXX XXXX, DEPT OF EDUCATION/XXXX  DEPT OF EDUCATION/XXXX, DEPT OF EDUCATION/XXXX  DEPT OF EDUCATIONXXXX XXXXXXXX XXXX Original creditor : XXXX XXXX  XXXXXXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original creditor : XXXX XXXX XXXX 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.

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 2019-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for two mortgages with Bank of America. I fully disclosed by situation to the loan officer. I let them know my income ( b/c I am commission based ), assets, other rental properties, the rents I was collecting and what showed on my tax return. They even received a copy of my statements and tax returns. 

I was applying for 2 rental property purchases using a portfolio loan. From doing other real estate transactions ( I already owned 6 properties and have done numerous refinances ), I know that utilizing a portfolio loan can be tricky with their guidelines. So as to save time and headache I wanted to be fully transparent with the B of A loan officer. 

The loan officer told me the loans could be down and started the application. He took my deposit for the 2 appraisals which totaled nearly {$2400.00}. After all was said and done they came back with numerous guideline issues on my application. They said that for portfolio loans they would only allow up to 4 financed properties and that a ton of the rental income could not be used b/c I rent out the properties on XX/XX/XXXX.

I was declined for the debt to income and too many financed properties guidelines. After I spoke with the loan officer regarding a refund for the appraisals since they submitted my application without knowing their own internal guidelines. I would have never paid the fee if I knew that these were guidelines and would have asked them to speak to an underwriter first before proceeding with the application. 

Also, I ended up doing the loan with Guaranteed Rate and their appraisal fees were half at XXXX for the same appraisals. 

I am requesting the B of A reimburse me the appraisal fees since they are taking applications and charging consumers without their loan officers understanding their own internal guidelines. 

Any help would be appreciated. I have made over 10 phone calls to the loan officer and his managers with no call back regarding this. 

XXXX XXXX NMLS ID XXXX Loan officer XXXX XXXX XXXX XXXX XXXX XXXX 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 monetary relief
Consumer complaint received 2023-01-24
Company: Experian Information Solutions Inc.
State: HI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Experian has not removed scores of invalid, unauthorized information that has a material impact.. I have enclosed all information in attachment. It should be removed as it is impossible to verify where all these inquiries came from considering the fact that my private and sensitive information has been leaked all over the internet, by Experian databreaches, class action & XXXX ; settlement lawsuit, and is available for free, on XXXX websites, and on the blackmarket or dark web internets for a fee.

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 2018-05-11
Company: WELLS FARGO & COMPANY
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo has been servicing my home loan for the past several years but over the past few years, they have not escrowed my account properly regarding my house taxes. In XX/XX/XXXX, even though the funds were escrowed, I only received a portion of the tax check to pay to the City at the end of the year. I called them several times about it and was always told, " Well, your taxes must have gone up. '' I would tell them they did not and they would say they would look into it. At the end of the years of XX/XX/XXXXand XX/XX/XXXX Wells Fargo paid the taxes in full after my prompting, with the total amount adding up to {$5300.00}. However, now they want the money back in a lump some or for the funds to be added to my mortgage as of XX/XX/XXXX, which puts my mortgage up to over {$1200.00} per month. I can't pay the {$5300.00} lump sum, nor can I afford the {$1200.00} monthly payment. I am afraid I am going to loose my house after living here for almost 13 years. On XX/XX/XXXX, I asked to speak with a manager. I explained the whole thing to a man named XXXX. He concurred that in XX/XX/XXXX the taxes were escrowed and did not know why I only received a portion of the taxes at the end of that year. I also let him know I needed a different option other than paying a lump sum now or my mortgage payment going up to {$1200.00}. He said he would have to look into things and call me back. In fact he said he would call me back the very next day. I waited. He never did call. Today, I called him and left a message and received no return call. Something is very wrong. I think they did some messing around with my account and now they want to get rid of me. I don't want to loose the home I have loved for the past 13 years! I have tried for two years to resolve the issue with them to no avail. Now, I am the one who has to pay the consequences for their lack of customer service and sheer negligence.

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 2023-01-24
Company: EQUIFAX, INC.
State: NJ
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  # XXXX has violated my rights. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24
Company: WELLS FARGO & COMPANY
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I originally was told my first payment for my car was due on XX/XX/XXXX. I called XX/XX/XXXX to pay and was told it wasnt actually due until XX/XX/XXXX and I couldnt pay early. Thats where ALL my problems XXXX with Wells Fargo. From there everything went downhill. I was charged so many fees and it was them every time. Things got so crazy that my car was repossessed and I was left with so much money owed. Needless to say, it was paid within a day and my car was back to me. 
I had to trade my car in just to get rid of Wells Fargo. Wells Fargo literally ruined my life.

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 2019-10-17
Company: Professional Recovery Management
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: Old information reappears or never goes away

Complaint:
On Monday XX/XX/XXXX I reviewed my credit report and I noticed a collection item from Fox Collection Center ( XXXX XXXX XXXX, XXXX, TN ( XXXX ) XXXXon my credit reports, XXXX, XXXX and XXXX, a collection for XXXX XXXX XXXX   XXXX for {$490.00}. It also states on my report that it is old, but it has a new date for collection on XX/XX/XXXX and it was placed on my report again on XX/XX/XXXX, when the agency said thetreceived it XXXX XXXX XXXX XXXX. I did not receive any information from Fox Collection agency before this was put on my reports. I call the collection agency and the representative stated that it was an old account maybe from XXXX or earlier and I told her that this was on my files years ago and it removed, also the amount is different, increased. She stated that they did not have it back then so it is a new account to them and they could put it back on my file. Own my credit file it does not show the old date, just as though it is recent. I call XXXX and they would not give me the date of the actual bill. I call XXXX and they stated that it was old and I stated that this was an account that came off years ago and I asked don't you have records that this is old and he said they can not see what was on my credit file years ago. So I am told that this is a new account and the 7 years starts again. I asked all of them to removed this information from my file and all have refused. I have also disputed this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: Maximus Education, LLC dba Aidvantage
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have two pending Borrowers ' defense applications that are being reviewed. I also have loans for graduate school that are not related to the borrower 's defense. I have asked Aidvantage to separate my consolidated loans so that I can start making payments on my graduate school loans. It has been a month with no response. I have also contacted the Department of Student Aid. The Department of Student Aid has also advised that they have not received a response from Aidvantage now adding an additional 15 days. Loans are now incurring interest and I am to make payment on those loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
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 status incorrect

Complaint:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

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 2023-01-24
Company: Experian Information Solutions Inc.
State: NC
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 OTHER request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 2022-05-23
Company: Experian Information Solutions 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 719XXXX 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 year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief