BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-01
Company: Shellpoint Partners, LLC
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2021 I called Shellpoint financial to make my mortgage payment. When attempting to make this payment I was told that my monthly payment was {$560.00} because my account went into escrow related to Shellpoint receiving my proof of insurance late. The receptionist told me that it would take at lease a month to correct this. I have spoke with Shellpoint a month ago to this date about the same matter. Also the receptionist told me that I had to send in a letter stating that I didn't want an escrow account. When I purchase my home I did not sign a contract for an escrow account. Since this company took over my loan I've been having problems. I had my home for 23 year and I never missed a payment. My payments should be {$440.00} every month it been this rate for 23year without any problems. This is the second complaint that I have put in for Shellpoint sending my account to escrow. I have no lapse in my insurance and I do not have a escrow account. I will be making my payment when this matter is resolve with NO LATE CHARGES!

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Experian Information Solutions 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:
Final Notice : I am unaware of the inquiries, I have hired an investigator to look over this incident and it appears that after my investigation your company is in violation of sections 609 608 611 in The Fair Credit Act. Also you are falsely acting as the consumer placing false information on my credit report without contacting me or getting my consent. I advised you to stop repeatedly and the inaccurate information remains on my credit report. I have filed a lawsuit with all three credit bureaus and look to settle this matter in court. When you are found guilty I am suing for {$30000.00} in damages for each credit bureau Equifax, Experian, TransUnion. I am not looking to withhold this legal issue unless the inaccuracies are removed within 24 hours. I have record of previous certified letters sent several times this week, along with every copy of credit reports showing falsely XXXX XXXX codes generated by a computer and not a human I am aware of the obsolete bs along with the scams that you guys play with people. I refuse to become a statistic please remove the inaccuracies immediately. Look in the attachments below to see your inaccuracies. If for any reasons you attempt to send me any credit reports with verified inaccuracies I will personally file a second law suit against your companies for the inaccuracies, violations in The Fair Credit AcXXXX, XXXX, using and placing errors on my credit report that dont belong to me and using my name using bogus print & signature claiming to be me without my consent and lastly remove all fraud alerts today. I will be calling in on XXXX, XXXX and it have better been removed by midnight eastern standard time. I will call to check if the inaccuracies listed below and the fraud alerts are removed permanently. If you attempt continue to place pass or future inaccurate errors, fraud alerts, on my credit file you will pay multiple consequences. I am willing to take you to court every time. You have been placing fraud alerts on my credit without my consent as well. Please be advised that this is my final goodwill letter. You have been a pain in the rear end.

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 2023-05-22
Company: Westlake Services, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THESE ACCOUNTS DO NOT BELONG TO ME, PLEASE REMOVE THEM FROM MY CREDIT REPORT. 

Section 609 ( a ) ( 1 ) ( A ), [ 15 U.S.C. 1681g ] section 607 [ 15 U.S.C. 1681e ]

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 2021-01-25
Company: Paramount Recovery Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection was deleted from my account with XXXX XXXX XXXX because it was deemed to not be mine since I have no affiliation with any of the companies involved. That company then sold the deleted item to Paramount Recovery Systems and they have put it back on my credit. I have contact the company in efforts to remove the item but they said they had no documentation of the debt in house, and I would need to wait 4-6 weeks to get the debt validated. Below is the Experian file with the deleted item. I would like this item removed fro m my credit ASAP. Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-14
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took out a mortgage for $ XXXX with XXXX XXXX XXXX. I made all my payments on time but they have been misapplied by all the alleged servicers since then. In XXXX a fake straw software company called the Mortgage Electronic Registration Systems , Inc. tried to assign my deed of trust. ( Exhibit C ) Then in XXXX another fake XXXX and XXXX XXXX XXXX tried again to assign my deed of trust ( Exhibit D ). Then at the beginning of this year XXXX another fake servicer called Caliber Home Loans attempted to assign my deed of trust again. ( Exhibit B ). My deed of trust on p. 24 specifically states that only the LENDER can substitute the Trustee. None of these companies are the LENDER.The companies have not sent my Attorney the requested documentation. ( Letter dated XXXX/XXXX/XXXX ). They have not given me an updated running balance of all payments made to date which leads me to believe all this is fraud and would like for the CFPB to intervene.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
As part of the process of refinancing my home mortgage, I had an appraisal done on XX/XX/2019. The appraisal came in at a value of {$360000.00}. On XX/XX/2019 I closed on the refinance through XXXX XXXX XXXX, and all of my copies of the applicable closing documents also show an appraised/original value of {$360000.00} from the XX/XX/2019 appraisal, and a date of XX/XX/2019 as the first date a LTV of 80 % would be reached according to the amortization tables and the earliest date at which PMI could be cancelled. On XX/XX/2019 servicing of my mortgage loan was transferred from XXXX XXXX XXXX to Wells Fargo. I contacted Wells Fargo ( several times now ) to cancel PMI now that my LTV is below 80 %, but they refuse and continue to charge for PMI. Wells Fargo claims ( without any substantiating evidence ) that the original value is {$350000.00} and that I need to pay down the principle further before I can request cancellation of PMI. This appears to be deliberate and willful deceit, fraud, and theft on the part of Wells Fargo. I have attached the appraisal, several scanned pages from my closing documents, and the latest letter of refusal from Wells Fargo to cancel PMI.

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 2019-11-09
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
To whom it may concern : Your denial of my credit is based on ( insufficient credit experience ) your words. From a company that has little to no information on me. 
I have multiple copies of Experian reports they did not check their own records.

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 2023-04-10
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-14
Company: Experian Information Solutions Inc.
State: MA
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 been a victim of identity theft and a fraudulent account appears on my credit files. I have reported this account to all necessary authorities and Experian and XXXX are still reporting fraudulent accounts on my file that were deemed fraud by the FTC and local authorities.

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 2019-10-07
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX account opened XX/XX/2019, was opened for internet service for my apartment. I orderded the 150mbps package, once installed the service was slow ans went out intermitten. 

I called customer service several times over my term or service and had several inspectors come out to check the line. 

Unfortunately, the company stated that the plan that I was paying for was not available in my area and that I was overpaying for the service. 

At this time I would like to have the collection removed paid in full. 

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 2019-11-09
Company: Receivable Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had noticed recently that my credit report had collections from a company named Receivable Recover services. On XX/XX/2019 I called Receivable Recovery services because in XXXX I had sent letters asking them to verify debt that they claim I owe and had not received a response. I spoke with 3 different people after calling 3 different times that day. I asked them to tell me what the debt was for and they gave me a list of account numbers and amounts that were owed. I asked if they were duplicates because the some of the amounts reported on my credit report are the same. They said they were not. I asked them to send me validation of the debt and the person I spoke to said that she would check with her manager. On XX/XX/XXXX I received a packet in the mail with a list of account numbers and amounts owed, with the original creditor being XXXX XXXX 
These are the amounts owed. 
{$120.00}, {$50.00}, {$120.00}, {$65.00}, {$150.00}, {$120.00}, {$65.00}, {$630.00}, {$520.00}, {$65.00}, XXXX, {$600.00}, {$350.00}, {$36.00}, {$600.00}, {$28.00}, {$830.00}, {$41.00} Also Included in the packet was various copies of " Conditions of treatment '' with signatures on the 3rd page. On one account the signature is clearly not even my name. I am not responsible for the account. Some of these other signatures look nothing like mine. This is not an adequate validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 actI XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-21
Company: Waypoint Resource Group, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
WayPoint is in clear violation of the Fair Debt Collection Practices Act. Section 1692G ( a ). WayPoint has sent me a dunning letter on XX/XX/XXXX. I requested validation of debt on XX/XX/XXXX. As of XX/XX/XXXX, WayPoint did not provide validation of debt, but still to reported the debt to all three credit bureaus in attempt to damage my credit worthiness. 

I have attach the copy of the letter that was sent via U.S. mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
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: Personal information incorrect

Complaint:
I have disputed incorrect addresses and incorrect employer. Listed on my credit report is XXXX company as my employer and I HAVE NEVER worked for XXXX as a XXXX XXXX HOWEVER- I had a roommate who used to work for XXXX XXXX Somehow that employer ended up on my credit report as verified the same month and year XX/XX/18 that we applied for a car loan. I have disputed the information and they refuse to remove it. 

There are several incorrect variations of my address listed on my credit report. I have communicated the incorrect addresses and they will not remove them. 

This incorrect information causes lenders to doubt / deny my applications for credit due to the employer and line of work is not matching and the address not matching. 

IF I NEED TO BRING LEGAL ACTION AGAINST TRANS UNION, I WILL. This incorrect information causes lenders to doubt my applications for credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-18
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX  ( date of inquiry : XX/XX/2021 ), Account name : XXXX  XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : XXXX XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 response to consumer: Closed with explanation
Consumer complaint received 2019-05-24
Company: Experian Information Solutions 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 belongs to someone else

Complaint:
I have been a victim of 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 2020-12-02
Company: SN SERVICING CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Requested mortgage assistance with my mortgage servicer, I have filed chapter XXXX several times trying to stop my home from foreclosing. My mortgage servicer is unwilling to help me my interest rate is 13 percent and has been that for over 20 years. 
Spoke to XXXX XXXX ext. XXXX w/SN Servicing Corp. She also stated I needed to show proof of income from both children showing they are able to make their own car payments. I stated that they have no problem giving me their money each month. to pay their vehicle payments. I feel I'm being discriminated against because of my age and I'm XXXX American male. My mortgage servicer has given me a hard time for years and I need to reduce my mortgage payment and interest rate. I have done research and under the Consumer Protection mortgage assistance regulations my mortgage company is asking for documents on my children income for debts they pay. 

Please Help, Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-09
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
They are still trying to collect after 21 years. They say the account is open. And I owe {$1400.00} but have available credit of {$9600.00}. I have not oaid on that since XX/XX/2000.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I have a mortgage with My XXXX XXXX/LoanCare. I called in XX/XX/XXXX and asked that my homeowners insurance be removed from my escrow account. I got new homeowners through XXXX XXXX and am paying it myself because, in XXXX, XXXX paid my homeowners insurance late and my homeowners insurance was cancelled without my knowledge. I did not know until the check from LoanCare was returned to me. I logged on to LoanCare website in XX/XX/XXXX and seen that LoanCare had my prior homeowner insurance listed. I called again informed them of mistake and the customer rep that I spoke to asked me to have a declaration page faxed over from XXXX XXXX, which I did the same day. I asked her several times for a confirmation number that I had called and asked for LoanCare not to pay my homeowners insurance she said she could not give me one. On XX/XX/XXXX I received a notification that LoanCare had paid the XXXX XXXX, which put my escrow in the negative. I called and spoke to three different customer reps. I was reassured that a stop payment was put on the check. I called again in a week and I asked if the stop payment was done and this time was told that they don't do stop payments and she said don't worry they will return the check to you. I said I don't want it handled that way. Loancare will then do an Escrow analysis and increase my house payment due to the negative in the account. I have emailed and called 4 times asking about the Escrow Analysis - trying to confirm with LoanCare that they are not to include the insurance, and I never get a return call or email. LoanCare makes you email first then they will call you, I never get a call back. If you call them you can not get an answer they tell you to email. I feel like I am being treated unfairly and that they have no concern for sending out my money to whoever they want and whenever. I am being ripped off.

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 2020-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Consumer Financial Protection Bureau To Whom It May Concern, Iam writing to dispute a billing error in the amount of {$4700.00} on Account Number : XXXX XXXX amount is inaccurate as on XXXX an erroneous payment of {$840.00} was made to my XXXX Capital One MasterCard account. The payment was immediately cancelled, when paying online there is an option to cancel payment ehich I did, yet it processed. I spoke with a supervisor at XXXX Capital One MasterCard ; XXXX at extension or ID XXXX, and she assured one that the account would be reverted to status prior to error within 2 weeks.Unfortunately, as a result of an internal system error ; the erroneous {$840.00} payment had been added to my New Statement Balance Due ( see attached copy of statement dated XXXX - XXXX ) Previous Balance was {$3700.00}, system erroneously added {$840.00} payment to new balance due along with a {$25.00} late fee and {$84.00} interest on purchases for that period, which increased my actual balance by {$950.00}, hence ; {$4700.00} inaccurate. XXXX the supervisor at XXXX Capital One MasterCard said my XXXX payment and late fee would be waived due to inconvenience. Yet when I made the XX/XX/2019 payment of {$110.00}, the account still had not been reverted back to status prior to the XXXX {$840.00} erroneous payment, despite many lengthy calls, repeatedly leaving my number, promises from agents and supervisors, they failed to correct the account, the company did not act to resolve complaint. 
I'am requesting that the error alas be corrected. 
Sincerely,

Company response to consumer: Closed with explanation