BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-10
Company: Shellpoint Partners, LLC
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX company to NewRez about 1-2 months ago. I was set up for automatic payments with XXXX, which was set up automatically with NewRez. We closed on our property ( which is a new build condo ) last year in XX/XX/XXXX. XXXX XXXX   had all of my correct property tax information, and they had me set up with a mortgage payment of {$2200.00} which included principal with taxes & insurance escrowed. The total taxes on the home are {$1800.00} per year. I still don't know exactly how, but NewRez received property tax info that stated my homes property taxes were a little over {$36000.00} per year. After I had made 2 regular mortgage payments of {$2200.00}, they updated my online info to reflect the $ XXXX property tax bill ( without notifying me ), so my new mortgage payment came out to {$9000.00} to account for the $ XXXX required to pay the incorrect tax bill. I only noticed the new payment amount when I logged in to my NewRez online account on XX/XX/19. I noticed the new payment amount, and contacted NewRez right away. They gave me the information I needed, which was to contact the city and get the correct tax bill, which I did, and sent to them that same day on XX/XX/19. I logged in to my NewRez online account today, and see they have made a payment on my account for the {$9000.00}. I called them to see why they haven't adjusted it, and all she could tell me was that she saw I had submitted my property tax bill on XX/XX/19, and wasn't sure why it wasn't adjusted. That she would submit a new request today for a new escrow analysis, and that is all she can do for me. So now I am waiting for a response from NewRez, which she said I should receive in 24-48 hours. 

I'm submitting this complaint, because as a consumer, this isn't fair. My loan was sold without my consent, and the new mortgage company implemented a new payment that reflected a {$36000.00} tax bill when in fact it is only 1/20th that amount. I've been making all of my payments on time, didn't change anything on my end, and all of a sudden they're automatically taking a $ XXXX payment from me on a mortgage that should only be {$2200.00}. I'm also concerned for other consumers that may be getting increased escrow payments, even minimal increases, and go ahead and accept them not knowing it could be incorrect.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: PlusFour, 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:
XXXX XXXX XXXX gave an inaccurate report to Debt collection which was submitted to XXXX. I have tried to resolve this as I spoke with XXXX at their Billing Department. I told her I am not aware I had any outstanding balance and she confirmed that it was a mistake on their part for submitting an inaccurate charge to debt collection. It is still open up to now as it is stated in XXXX credit report since XXXX 2017.

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 2022-08-11
Company: National Collection Systems, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
My name is XXXX XXXX, a federally protected consumer and Im making this complaint against National Credit Management for committing identity theft. I have never given National Credit Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC |1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Credit Management continues its collection efforts, I will file for litigation for actual damages caused and National Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: WELLS FARGO & COMPANY
State: GA
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: Card was charged for something you did not purchase with the card

Complaint:
Date : XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Account number ending in XXXX Wells Fargo Claims Assistance Center Credit card Fraud Claims P.O Box XXXX XXXX, XXXX   XXXX I am writing to dispute a fraudulent charge on my account in the amount of around {$1900.00} or so, from XXXX XXXX. I am a victim of identity theft, and did not make this charge/ I am requesting that the charges be removed, and that any finance and other charges related to the fraudulent amount be credit back to my account, as well, and that I receive an accurate statement. 

Sincerely, 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 2018-03-23
Company: ASTA FUNDING INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account has been pass from one collection agency to another XXXX just I got me that you are the owner of this account

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 2018-03-23
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Hello, I have a NFCU credit card ending in XXXX and said company has reported to all three credit bureaus 7 ( 30-Day ) late marks. However became very ill wasn't able to work. I accumulated very high medical bills and was unable to maintain internet access to view my accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: EQUIFAX, INC.
State: OR
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:
The last 4 years I have tried and tried. Letters to Equifax, calls, copies front and back, nothing works. The bank tried to help and saw these incorrect items on my 3 credit reports. They advised me what to do. After the year of back and forth letters, calls and getting no where with Equifax and then the loan companies. 2 car loans and 1 home loan in California. I am in Oregon. Name is incorrect on report as well. I hired XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX.  They got some taken off and {$1600.00} later. Its back on my reports. Effecting my insurance, and as you know everything with credit. 
I started the process in XX/XX/XXXX when I first pulled a credit report, advised by my financial advisor. Equifax XXXXautomated system, the caller must answer security questions to speak with representatives, XX/XX/XXXX what credit card did you have? I was XXXX years old. NONE. Incorrect answer the phone hangs up. I ca n't get anywhere with the phone numbers listed. I try online and what to do. Send a letter. Wait 6 months nothing do it again, with all required copies, forms, letter, proof of person. Nothing. I try to call again. Nothing, After a year of this I try to get credit help. I visit and go to meetings with counselors that advise me what to do. Nothing still. Now Two years of dealing with it. Monthly for 2 years, I have a file with proof. I paid a company, attorneys to help. And now its back on AGAIN!!!! I 'm a single mom, XXXX  kids and own a XXXX. I do n't have time for this, I do n't steal credit, And it should n't be this easy. Really a number is a persons life now days. CREDIT, Loans, Emergency, homes, insurance, I can go on. And when someone uses what you work hard to maintain and take care of, its beyond XXXX or criminal. Explain this to my son who is XXXX went to state golf and needed a car, his broke down. I drive all paid off cars, and could n't even get him a cheap {$3000.00} car. REALLY thats embarrassing. XXXX credit score to XXXX now!!!!!! My name is XXXX XXXX of OREGON. I have filed reports on XXXX freecredit reports agency, XXXX Sent letters. I am at a loss. Only to say obviously it pays to be a criminal in this country. PROOF is right here. The other cars loans, phones, and Mortgages information I have. In a file at the accountant. I can get those if this goes anywhere, if needed, at this time its just the same rant and go no where letter. 

This person is XXXX XXXX XXXX XXXX {$510.00} a month payment $ XXXX car loan left with XXXX XXXX XX/XX/XXXX. XXXX {$430.00} a month $ XXXX left XXXX XXXX XXXX a joint account with someone. XX/XX/XXXX ( XXXX ) XXXX Equifax XX/XX/XXXX I notified them again, dispute XXXX nothing done about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: TD BANK US HOLDING COMPANY
State: WA
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:
In XX/XX/XXXX, I notified Nordstrom/TD Bank that I am a victim of identity theft and my personal information was used to open an a fraudulent account. I requested that the fraudulent account be closed immediately and remove any charges on the unauthorized account. I also asked them to send me a written confirmation that I am not responsible for the charges on this account and take appropriate steps to remove information about this account from my credit files. 

I sent Nordstrom Bank a copy of my FTC Identity Theft Report, personal statement, police report, Proof of identity and Notice to Furnishers of Information. 

I still have not received a response from the company so I sent a follow up letter on XX/XX/XXXX via certified mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions 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:
Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

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 2017-12-01
Company: TRANSUNION INTERMEDIATE 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:
Hello, It seems that some mortgage companies have been " inquiry happy '' and have been pulling hard inquiries every month! 

I have XXXX hrad inquiries from " XXXX '' for dates of XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I also have XXXX hard inquiries from XXXX XXXX XXXX on XX/XX/XXXX ; and XX/XX/XXXX. 

I have sent multiple letters to these folks and have not received ANY response. 

Could you please force them to remove these hard inquiries from my credit report? 

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 2019-04-10
Company: HYUNDAI CAPITAL AMERICA
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have made numerous attempts to speak to Hyundai Motor Finance and Ive been given conflicting information or hung up on by incompetent magerial staff and telephone reps. I have made over XXXX in payments and only XXXX has been applied to my principle. 

Hyundai is literally stealing money from me and not applying it accurately to my principal or interest. I guess the money magically disappeared

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-10
Company: Mr. Cooper Group Inc.
State: NH
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am being harassed daily by these people for a loan that is not mine but I somehow have the same name of someone they have a loan with. Nothing makes sense because my home phone # is not even in my name so I am unsure of how they even got it. My morgtage is current, my loan has not been sold. They are fraudulantly claiming that they have purchased my loan and I am behind and in danger of foreclosure. 

I am attaching the 5th attempt that I have now done in writing to get them to stop. At this point I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have sent in disputes to XXXX on XXXX XXXX, XXXX and again on XXXX XXXX, XXXX and have yet to receive one notification that my disputes have been received, reviewed or fixed for that matter. It is my right as a consumer to dispute and have items corrected on my credit file that should not be there and/or are not my accounts.

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 2019-04-10
Company: EQUIFAX, INC.
State: FL
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 have been trying to have the correct date of 1st delinquency accurately reported and disputed this several times. The results come back as reporting accurately from XXXX, although I keep providing the credit reports from the credit reporting agencies showing on their own report that the date of first delinquency reported is XX/XX/XXXX. This negative account should be removed from my credit reports on or before XX/XX/XXXX. XXXX reports that the date of first delinquency is XX/XX/XXXX, which adds years to the removal from my account which violates the FCRA timeframes. I would like this corrected so that the negative information will be removed per the FCRA timeframe in XXXX of XXXX. I am providing copies of the letters and a copy of an XXXX payment history report dated today, XX/XX/XXXX showing the late charge assessment on XX/XX/XXXX, which corroborates the actual late payment. I am also providing copies of each credit report showing the first reported late payment on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: AES/PHEAA
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I received several letters from XXXX XXXX XXXX in XX/XX/XXXX regarding a student loan debt from XXXX XXXX XXXX XXXX. I contacted them on multiple occasions to find out what debt they were talking about, where the debt originated from. XXXX XXXX  XXXX could not tell me. I asked for a contact number and they would not give me one saying they had the debt now and I had to pay them. In XX/XX/XXXX XXXX XXXX XXXX filed a lawsuit against me on behalf of XXXX XXXX for. I never received a notice to appear. In XX/XX/XXXX, my mother received a court document saying he had to appear in court for this loan ( she allegedly was a co-signor ). I contacted the court because I did not receive a notice to appear. The court clerk told me they had the wrong information for me and that I was in fact being sued as well. In the court document you can see that it states : Upon information and belief, defendants requested an educational loan. That request was received by its servicing agent. The loan was approved, funds were disbursed by a lending institution, and the ownership of the note for the subject loan was transferred to plaintiff. No where in that does it say who the lender was, the original amount of the loan, no contact information, nothing. And yet the court allowed for this to be a legitimate lawsuit. I had to appear in court with my mother on XX/XX/XXXX. The judge dismissed the case with prejudice. As of today, XX/XX/XXXX on my XXXX credit report there is a report of AES/ XXXX which is XXXX XXXX. I have tried numerous times by phone and mail to get them to remove this from my credit and they will not. It states they charged off this debt. They lost in a court of law. And it has been on my credit since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems is reporting a student loan from original creditor of XXXX XXXX XXXX to my credit report. I have a final statement from the original creditor XXXX showing the account paid and a XXXX  balance. This debt has been previously sent to a different collection agency with the name of XXXX, this company contacted me and i sent them the statement of proof of XXXX balance and the account was removed. Transworld systems is now trying to report the same loan from the same creditor with a higher amount and incorrect date despite it being paid in full and was never with a collection agency. I contacted Transworld Systems and was told the account is with their legal department and was given their phone number, i spoke with them promptly and was told the account with them has been closed for a long time and that i have to speak with Transworld systems. However they refuse to speak with me regarding the account. I have PROOF this was paid and was not a collection account, yet they are still reporting it to my credit report on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: NY
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:
My long standing account with XXXX is not being reported on my XXXX  and Equifax consumer credit reports.Attached is my XXXX consumer report and a recent XXXX bill. This is negatively affecting my personal credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
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:
I have the following errors on my credit, I have tried to handle this directly with Experian but yet still no resolution to remove items off my credit report. Below are the following that need to immediately be remove off my credit report.

REMOVE COLLECTION ACCOUNTS : XXXX XXXX XXXX XXXX - XXXX - {$710.00} XXXX XXXX XXXX - XXXX  - {$260.00} REMOVE INQUIRIES : XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX/XX/XX/XXXX UPDATE PERSONAL INFO : REMOVE BELOW : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX  XXXX XXXX XXXX XXXX XXXX, CA XXXX UPDATE Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX   UPDATE EMPLOYER : 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 non-monetary relief
Consumer complaint received 2022-08-11
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:
HELLO, EARLIER THIS YEAR WHILE CHECKING MY CREDIT I NOTICED A BUNCH OF RANDOM ACCOUNTS ON MY PROFILE, NEVER APPLIED OR EVEN HEARD OF THESE COMPANIES. I DISPUTED WITH THE COMPANIES AS WELL AS THE CREDIT BUREAUS. MY PURSE WAS STOLEN RECENTLY SO I CHECKED MY CREDIT AGAIN, JUST TO FIND THAT THEY ARE STILL REPORTING EVEN AFTER DISPUTING AND PLACING A FRAUD ALERT AND EVEN MORE ACCOUNTS APPEARED. THIS IS VERY FRUSTRATING. I CANT EVEN GET AN APARTMENT TO LIVE FOR ME AND MY XXXX. PLEASE PLEASE HAVE THESE ITEMS REMOVED IMMIDIATELY FROM MY REPORTS THEY ARE FRAUDULENT!

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