BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-13
Company: WSFS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage
Sub-issue: Loan estimate or other related disclosures

Complaint:
To Whom It May Concern, Im writing this complaint in frustration. In XXXX I purchased my home with a 1st and 2nd Mortgage. In XXXX I decided to do a refinance on both loans, but upon the process of doing the refinance, I noticed that the bank wasnt working with me to complete the process. I then took matters in my hand and hired an attorney ( XXXX XXXXXXXX XXXX XXXX ) to see what was going on with the loan. It was a process and nightmare with the first mortgage, but somehow, I got it resolved in court in XXXX. The second loan did not get resolve by the attorney, so what they did they took out a mortgage on the loan and I was paying them {$400.00} a month from XXXX, in confidence believing that everything was ok at the time, but basically, they took advantage and collect money from the loan, knowing that I never had a Mortgage Company for the loan. A few years later in XXXX, I was served a court summons from this bank called XXXX XXXX XXXX XXXX XXXX, claims that they now own the loan. I then again hired another attorney to look into the problem and currently its not going the right way as it should be, because the bank forges my husbands signature on the Mortgage documents of which he is not on the Mortgage. The loan is a lost document, and they dont have the original documents. Now they are trying to force action to take my house away from me, if I dont agree to pay the actual amount that is owed. I need to know how this can be right in the hands of the law. I never being into any foreclosure issues before and this is not my fault that the documents were incomplete or lost throughout the years. After XXXXyrs, no one ever claims the loan until now. I need to know what to do, because I cant afford for them to take my home, knowing that they committed a fraudulent act on the documents. Im willing to work with them to do the right thing, but moving forward knowing what they did is unbearable. I need someone assistance in this matter. 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 2022-03-21
Company: PENNYMAC LOAN SERVICES, LLC.
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: Account status incorrect

Complaint:
I recently in XX/XX/XXXX did a dispute with XXXX XXXX which also affected my XXXX report. The dispute was to show that I paid Penny Mac mortgage off because it was showing that the account was still open. I sold the home and paid the mortgage off in XX/XX/XXXX of XXXX. Prior to selling the home I was in chapter XXXX, which ended in XXXX due to I was all paid in full including my mortgage which I even made XXXX from the selling of the home so the home was not lost to any bankruptcy. The trustee was making the payments from XXXX to XXXX when the house was sold on time every month. Now that the bankruptcy is over its showing on my report that PennyMac did not report anything during the bankruptcy so each month its showing blank no reporting which is fine but at the bottom PennyMac is making a comments or somebody is putting comments in my account showing XXXX to 150 days delinquent. Within other parts of the credit report its showing no late payments. I have lost the ability to get a mortgage now in the middle of waiting to close on my new home because of this new statement on my credit report. I am losing all the money that I put down to hold the home all the money that I put into applying for the mortgage because PennyMac refuses to let them know that there is no 150 days delinquent or 120 days delinquent even though PennyMac did a conference call with factual data and told them there was no 120 days 150 days late now theyre turning around same because I did of voluntary dismissal of my chapter XXXX because I didnt need the chapter XXXX anymore because I was all paid in full with my mortgage that is a reason that theyre giving me for why theyre reporting it late or delinquent when they dont even have any reportings. I have my payments from PennyMac on the PennyMac website which I have printed showing payments made every month no payments were missed at 120 days or 160 days or 150 days or 30 days or 90 days or 60 days they were always paid. PennyMac is ruining my credit and Id like something done about it please. The only reason Im including freedom mortgage is because I try to get a new mortgage and the underwriter ran my credit the first time and everything was fine and then were moving on to getting closer to closing they ran my credit again and PennyMac and added the statement about 120 days delinquent as of XXXX when the account was already closed in XX/XX/XXXX they pulled my mortgage and I am losing all my money that I had invested in the house because PennyMac gave a verbal to factual data that I was not 120 days overdue on a conference call but then they said they wanted a letter and PennyMac is refusing to do it and now PennyMac is putting this on my credit pork with 150 days in XXXX and I was getting Hire instead of XXXX and nothing is working and Im losing everything I have because of them

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Shellpoint Partners, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called Newrez Shellpoint. For some unknown reason my automatic payment that has existed for years was stopped. I was fined for nonpayment in XXXX. I called and made my payment for XXXX and XXXX over the phone. They confirmed my payment. But, it seems Newzez or shell point recorded my bank number incorrectly. They never notified my of the problem. When I called them on the XXXX they said it is the banks job. They fined me again. Their customer service stone walled my questions and concerns. 

I have had this montage for years, no late payments. I am emailing my concerns because their phone behavior was outrageous and made me wonder ... ... lAre they targeting 3 % loans, is their training so poor they can be not helpful communication with customers, are they conducting shabby business practices???? 

My concerns stem from the abruptness of the rejection of the automatic payment ... is this a good audience to target, in addition to their lack of explanation and correcting the problem. 

In advance thank you for investigating Newrez business practices. 
XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT.IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS. HARD INQUIRYS

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 2022-03-21
Company: Avadyne Health Holdings, Inc
State: TN
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: Investigation took more than 30 days

Complaint:
I HAVE FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT. 
IT HAD BEEN WELL OVER 30 DAY AND I HAVEN'T RECEIVED ANY INVESTIGATION RESULTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-17
Company: iQuantified Management Services, LLC
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Many issues have occurred with this vendor, first they called both my husband and I at XXXX local time today XX/XX/XXXX, secondly we had not received any notification in writing before these calls started ( she admitted the first date they sent an invoice was XX/XX/XXXX which is a Sunday ) and as of yet, I have not received it. Her words were also trying to deceive making it sound as though the debt was already in hard collections, and as if I did not have my 30 days to rectify before hitting my credit report, after pressing the issue ( since I work in XXXX XXXX XXXX  ) she backed off a bit with the truth. Ultimately very dishonest business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: CITIBANK, N.A.
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: Their investigation did not fix an error on your report

Complaint:
The Home Depot/Cbna has XXXX to do a proper investigation and independent investigation. Ive sent several certified dispute letters regarding the inaccurate late payments. XX/XX/XXXX is 30 days late, XX/XX/XXXX is 60 days late, XX/XX/XXXX is 90 days late, and XX/XX/XXXX is 30 days late. 

I've asked for proof that I was late the month Home Depot has reported but they fail to reply to anything.. Home Depot simply ignores my disputes. They think they are simply above the law and they can just ignore it. 

Violation & Inaccuracies Failed to enter the Notice of Dispute within 30 days It is a Violation to report a {$500.00} Credit Limit on a account that has been closed since XXXX The Home Depot Said the account is reporting certified accurate AND correct information. But how can this account be accurate when this account has been disputed 4 consecutive months yet the " Status Date Updated is XX/XX/XXXX. '' That's impossible to be reporting Certified accurate VERIFIED information WHEN THE STATUS DATE HAS NEVER CHANGED XXXX SO THAT MEANS THIS ACCOUNT HAS NEVER BEEN independently INVESTIGATED. VIOLATION OF SECTION 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 2022-03-21
Company: EQUIFAX, INC.
State: NC
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: Innovative Funding Services, L.L.C.
State: MN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
I was looking for an auto loan on XXXX XXXX. This company XXXX XXXXXXXX XXXXl came up with the best rates. We, my wife and I applied for the loan and were told the rates would be around 2.74 % for 5 years. Mind you my wife and I have top 1 % credit scores. XXXX. The entire process was long and drawn out and they kept requesting what I thought was an outlandish amount of additional information. The whole process took about a week for them to come back and say we have great news you are fully approved for a hot mess of a loan. They wanted to give us terms of 5.75 % for 36 months. No where near best out there, no where near advertised, and then the icing on the cake was they wanted to force me to buy a vehicle warranty plan. They didn't even understand that I have 2 years + left on my factory bumper to bumper! Bait and switch, super misleading and huge waste of time. These companies with bait and switch need to have a serious coming to XXXX with the XXXX. 

I do not have the audio recordings of the phone calls ; they do. 
I am looking for a screen shot of the advertised 2.74 % and 60 mo. After I told them I would be filing a complaint I noticed they pulled the rate from the lending tree offer page.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
TransUnion continue to report a collection account on my credit report from XXXX XXXX XXXX. TransUnion is not complying with FRCA, XXXX is no longer is the collection agency collecting on a debt, the have sold to another company this debt. 

Also, XXXX has failed verify that the debt is mine, and if correct by providing a copy of any original documentation with a consumer contract with my signature on it, which is required under section 609 ( a ) ( 1 ) ( A ) & section 611 ( a ) ( 1 ) ( A ), so in failure to do so, in accordance to section 611 ( 5 ) ( A ) of the FCRA TransUnion is required to promptly delete all information which can not be verified. 

For over a year I have been trying to obtain this, and all parties have failed to correct this, or matter, and I still have not received a contract proof with my signature. I am requesting TransUnion remove this unverified account from my credit report as soon as possible.

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 2022-10-05
Company: EQUIFAX, 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 information incorrect

Complaint:
On XX/XX/XXXX, I sent out certified mail letters to each Credit Reporting Agency regarding the inaccurate and incomplete accounts on my consumer report. I have received responses from each of them stating that they have completed the investigation and verified everything as accurate. 

This is false because there are a number of inaccuracies on my consumer report that still remain. 

1. I am disputing this account for inaccurate information because Equifax is reporting a monthly payment on a charged-off account. Now, it is to my knowledge that a charged-off account is an account that has already been closed by the original creditor so how is it that a closed account can have a monthly payment? This is misleading as it makes it looks like I made payment arrangements with the creditor which is not the case. 
XXXX XXXX Account Number : XXXX XXXX. Equifax is reporting the date of the last activity as XX/XX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 
XXXX XXXX Account XXXX : XXXX XXXX. This account has been deleted from Equifax but somehow it is still being reported by XXXX. I am aware that 15 USC 1681i states that if an item is deemed to be inaccurate or incomplete, then, the credit reporting agency shall delete it and notify the data furnisher and creditor. If Equifax notified you and the data furnisher that it was inaccurate and incomplete, how are you still reporting this information? 
XXXX XXXX XXXX  Account Number : XXXX XXXX. Provide me with the date of delinquency that the creditor has provided to you. I am of the belief that the date of delinquency is incorrect and needs to be removed if you can not provide it. 
XXXX XXXX Account Number : XXXX I am now requesting the description of the re-investigation procedure pursuant to 15 usc 1687i ( 7 ). They have 15 days to respond to the description or else the above-listed accounts need to be removed from my consumer report. 

Please delete these items from my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-17
Company: EQUIFAX, 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 these items were 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 deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Bank of America is my mortgage company, Ive had heard how difficult they are to work with homeowners before I fell behind and I said they were good. When I unfortunately fell behind its when my nightmare started. I had been denied several times due to them miscalculating my income. Now I submitted a complete packet and they said there is an outstanding issue and that they cant tell me what it is over the phone. They keep telling me that its like a " back room '' where they receive the correspondence and they answer to me through mail. They said I had to send a written request through mail to find out what that outstanding issue was. I send a written request through mail and I paid for signature, they received it and I have not heard back from them. My file was denied due to some bank statments missing, I sent them over and then they said that I was hiding income which I am not!! I sent the missing bank statements, and they denied my file, they closed it and was sent to the fraud department. To add more to this they put an auction sale on my home for XX/XX/2018, this is not fair. The sale is coming up soon, and I have no answers as to what that outstanding issue is. This has gotten my wife and I very stressed, they have the bank statements they were needing why not just continue with the review instead of closing it. So I believe this is the outstanding issue they are talking about. I wish I knew what it is so I can answer and start getting reviewed again. I really hope that they dont answer a few days before the sale and not give me enough time to reapply. I dont want my home to sell. They can check their system, they have all the documents they needed. Bank of America had a complete packet.

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 2023-03-11
Company: Experian Information Solutions Inc.
State: TX
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:
This account in question shows on my credit report twice with two different names 1. It's shows as XXXX account # XXXX it shows up close 2. XXXX has this same account open XXXX both accounts has a balance of {$460.00} and FCRA states a closed account shouldnt have a balance attached to it also Experian has this account closed and XXXX has this same account open witch is a inaccurate and should be removed the FCRA states that all inaccurate accounts should be removed

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 2020-03-11
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am very disappointed in Experian for this is the 2nd time something that is NOT MINE AND NEVER HAS BEEN MINE on my darn credit report! I am sick and tired of this and it's not fair that this bunk debt in which i never did keeps showing up! Stop putting stuff on my credit that ins't mine! XXXX XXXX XXXX XXXX XXXX past due as of XX/XX/2020. 
Status UpdatedXX/XX/2020

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 2022-02-12
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
NEW information about existing complaint : I filed and complaint to Equifax stating I would like for them to remove a certain account from my credit report. It was furnished without my consent and due to that I filed a FTC report. That said account was deleted and upped my score profoundly. A few days later I noticed it was back on my report with many new late payments added and downgraded my score a total of XXXX points! This is humiliating and cause me XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: Nelnet, Inc.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : XXXX  days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation