BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
This is the several time I've complained about being a victim of identity theft. The 3 Credit Bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


XXXX XXXX XXXX Balance : {$5600.00} ; XXXX XXXX  XXXX Balance : {$5500.00} ; XXXX XXXX XXXX XXXX Balance : {$2900.00} ; XXXX XXXX XXXX XXXX XXXX : {$1300.00} ; XXXX XXXX XXXX XXXX XXXX : {$1600.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2017-12-10
Company: WELLS FARGO & COMPANY
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I currently have a XXXX credit card with an {$18000.00} balance, resulting from damages caused by renters. I have never made minimum payment on this card. I requested XXXX allow me to make a {$50.00} a month payment while the case is in court. 

I had owned this piece of property for 15 years and had {$20000.00} in savings. It is .32 acres, has a 14 X 70, XXXX XXXX XXXX single wide mobile and a renovated pickers cabin on it. I farmed organic here until earlier this year. My kids had live here when they were first getting started. Later it was used as a rental. In XXXX I spent roughly {$10000.00} for a new foundation and upgraded the power. Then I moved into the cabin and as I had in the past, rented the mobile.. 

The mobile was rented to a young couple featured in our local newspaper. Their first year here, he put his foot through the living room floor, said it was a soft spot. The males in my family, that had lived here, were over 6 foot tall and weighed more than XXXX XXXX and they never had problems with the floor. There was no soft spot, but I suggested they put a coffee table over the " spot '' to protect it. They did n't and told me he fell through the floor dancing with his kids.

Last winter when it dropped to 18 degrees, the foundation which protected all that was underneath the mobile, had been destroyed when the renter repeatedly crawled around underneath and removed screws leaving the siding open to the weather. The water line froze and broke. When it thawed, water flew, {$120.00} for water and + {$400.00} to a plumber to repair the break. I had asked XXXX for all statements from XXXX to present to show the court the expenses from damages since these renters arrived. To this day, I have gotten nothing. I asked them to let me make a {$50.00} a month payment until I was done with the court battle. Repeatedly I called to check status on all of these. XXXX XXXX, the man I had spoken with, is never available. I even called once to make a huge payment and it was denied. Yesterday I got a letter telling me to pay {$1000.00} and I was being `turned over to collections. 

Nothing discussed with Wellsfargo was ever done by them. I 'm XXXX. Renters destroyed everything I had done to make that the least painful and me the most functional.

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 2019-10-25
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Yesterday a customer purchased and item on XXXX and then cancelled order and paypal issued a full refund to customer but deducted XXXX cents from our business. When we called Paypal this morning, we were informed we were charged a processing fee for the transaction, and from now on we will be charged the entire service fee XXXX {$2.00} for this transaction, who knows for next one ) as a processing fee. We are just sitting here running a business and had no part of the process and was charged XXXX this time but going forward the entire service fee to the business is very unfair business policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2016, we suffered a water damage and we received a check from our insurance company on XXXX XXXX for {$20000.00} that we were obligated to endorse to our mortgage servicing company, XXXX. They kept the money and sold it together with the loan servicing contract to Nationstar Mortgage LLC of XXXX Ohio on XXXX XXXX. We had asked Nationstar not to accept this money since it belongs to us. 
We do not owe any money to either the lender or the serving company. Our home is worth {$830.00} to {$850000.00} and our morgage is {$470000.00} at this time. 
There are no reason for Nationstar not to send us a check and of course we are becoming more and more frustrated since we had to pay for ALL the repairs ourselves in a time of need. 
We understand that it is a common practice of Nationstar as XXXX XXXX XXXX currently investigates Practices of Nationstar Mortgage With Respect to the Release of Insurance Claim Proceeds to Borrower. 
This creates hardship to us and we certainly would appreciate if you could give Nationstar a call to expedite the process, as we do not know at this stage whether we should call the attorney general to file a complaint for robbery. 
We thank you in advance XXXX and XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: NATIONSTAR MORTGAGE LLC
State: NM
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar provided a HAMP modification to my primary mortgage, XX/XX/2013, with a provision they failed to deliver : XXXX Rev XXXX says and I received the " annual incentive payment of up to {$1000.00} for the first XXXX years after the loan modification. '' However, despite XXXX Rev XXXX saying " In addition, once your loan is permanently modified, you may be eligible to have some of your principal forgiven on a deferred basis. So long as your modified loan remains in good standing, we will forgive {$49000.00} of the principal balance of your loan each year on the anniversary of your first trial period payment date for XXXX years. '' that provision has been ignored, despite never missing a payment, remaining in good standing and several attempts to communicate the desired principal reduction XXXX my house is still underwater XXXX years later XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-18
Company: Regional Management Corporation
State: SC
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every since XXXX, I have been disputing this inaccurate information with the collection agency and the creditor. This information has been deleted from XXXX and XXXX, after they have proven for it to be inaccurate. However XXXX keeps reporting this information and the Collection agency are not looking into this matter. It is now, XX/XX/XXXX, and they are still reporting this inaccurate information.AND DO NOT ATTEMPT TO ADD INACCURATE UNVERIFIED INFORMATION BACK ON MY CREDIT AS THAT IS A VIOLATION UNDER THE FAIR CREDIT REPORTING ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-23
Company: World Acceptance Corporation
State: MS
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Please refer to complaint numbers XXXX and XXXX. World finance has failed to provide any proof of the alleged debt in said complaints. I have sent the corporation a 3rd letter which it received by certified mail which it have yet to respond. World finance also told the CFPB that I owed a debt but has not provided proof of any debt. I have received a copied contract that shows proof I participated in a consumer credit transaction that somehow turned into a loan. It also provided an accounting history that shows proof of extortion. World finance also continues to communicate with credit reporting agencies after the corporation were told to cease all communications in which it told the CFPB it would. World finance is in violation of the TILA, FDCPA, FCRA, GLBA, and MTPA. I have attached several documents showing proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-11
Company: EdFinancial Services
State: GA
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:
EdFinancial is showing I was 90 days past due in XXXX through XXXX of 2018. My account was in the process of renewal of forbearance application. At that point it was in the hands of the financial department in which I was either constantly trying to contact the, ever changing, financial officer assigned to my account or being transferred multiple times to different departments and employees. I have never had to make a payment because of my forbearance status, therefore, have never been past due or late with any payments. 
I have disputed this issued multiple times through XXXX, XXXX XXXX, and all the Credit Bureau 's and the information has never been updated or changed to reflect the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: SUNRISE CREDIT SERVICES, INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I placed an order to terminate service on XX/XX/XXXX. We sold our house and our closing date was XX/XX/19. Unfortunately, the cable company equipment was packed by the movers, but I called the cable company to let them know that I would return the equipment as soon as our goods were delivered to the new house. This was done on XX/XX/XXXX. I boxed everything up and they received it all on XX/XX/XXXX. The XXXX tracking number of the shipping label the company sent me was xxxx xxxx xxxx. 

The monthly bill was usually due on the XX/XX/XXXX of each month and was typically {$200.00}. I would see being responsible for the difference covering the XX/XX/XXXX through the XX/XX/XXXX, but no more. A couple of days ago I received a collection letter for {$300.00} from XXXX for supposed equipment charges. This is incorrect and should be made right by the company immediately. I have made 10-15 attempts to speak with someone at the company without success. I even spoke with the collections agency, who has no historical background on the debt, and they gave me another number to call. No luck either. 

Important Dates : XX/XX/XXXX - new statement for {$200.00} XX/XX/XXXX - new statement for {$740.00}, which included a new charge of {$530.00} for equipment. In the same statement they show a credit of ( - {$190.00} ) for partial monthly activity. 
XX/XX/XXXX - new ( and last statement ) for {$300.00}, which shows a credit of ( - {$440.00} ) as equipment credit. 

As you can see the math does not add up. Also, they never called my cell phone, which the account was under and I still have of course. Lastly, I have all the statements and receipts referenced above. 

Any assistance is more than welcome. 

Thank you so very much!

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 2019-10-25
Company: Shellpoint Partners, LLC
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: Account status incorrect

Complaint:
In XX/XX/XXXX Shell Point Mortgage began to report a negative payment record to XXXX and XXXX I have never had a mortgage with Shell Point but I had a mortgage that was closed and discharged as part of a BKXXXX over 7 years ago. Case # XXXX. Attached to this complaint is a Cease and Desist letter from my attorney sent to Shell Point back in XX/XX/XXXX. This is negatively effecting my credit report/score and I believe this is against BKXXXX laws and protections. I am looking to have this account erased from my credit file. This is unacceptable harassment by this lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13
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:
It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) XXXXXXXX shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. If you claim these accounts are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file. 

XXXX XXXXXXXX XXXX XXXX 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 explanation
Consumer complaint received 2020-02-05
Company: IQOR US INC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting calls for someone else. Mo matter how many times I tell them I am not even the person they are trying to reach, the calls start up again a few months later. They have been calling me over and over multiple times a day and I want it to stop and never start up again. It isn't even my debt!!! It's an old roommate from over 15 years ago. They call from XXXX. I have gotten 30 calls so far from this number, and hundreds of calls from different debt collectors about this same person and they never remove my number. I am ready to get an attorneym

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 2019-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I went to use an ATM machine inside a store on XX/XX/19, trying to make a {$40.00} withdrawal. I personally inserted the card & entered the PIN for this transaction. I stood at that machine for at least 20 minutes, as the transaction just kept 'spinning. ' I finally got a message 'Unable to process your transaction. ' I took my card and went outside to a XXXX XXXX machine, where I successfully withdrew {$40.00}. Went back inside and made a {$40.00} cash purchase at the store. Later, when I arrived home, I logged into my online banking account at Bank Of America -- much to my surprise, I had not only been charged the {$40.00} at XXXX XXXX but also TWO transactions from the store 's machine : one for {$40.00}, one for {$80.00}, plus fees. I notified the fraud dept. at Bank Of America immediately that evening. The bank initially credited my account for both of the errant charges, for which I was not responsible. My card was frozen, and a new card mailed via Priority Mail.Then on XX/XX/19, I received a bank alert online that stated : " unable to pay. '' I called the bank, and they said they saw a video of the incident ( I have as well ) ; they stated that someone with me at the atm took out both of these unauthorized charges. My roommate was with me that day, shopping around inside the store -- and he can attest to the fact that no money was dispensed from that machine. The bank has apparently never heard of 'skimming ' at more obscure ATM machines, as zero money was dispensed to me or anyone else at the time of my transaction. The transactions were fraudulent, the money taken by someone who skimmed my PIN or otherwise manipulated the machine -- as my transaction never said it was canceled ( only unable to process ). I fax'ed a letter to Bank Of America XXXX XX/XX/19 detailing this, & asked them to re-open this claim. I saw in my message center that they had done so. That message has oddly disappreared. Bank Of America has persisted and now drafted the {$40.00} & {$80.00} back out of my acct on XX/XX/19.

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 2016-11-15
Company: NATIONSTAR MORTGAGE LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a shortage in my escrow account so an analysis was done in XXXX and my payment was going to increase effective XXXX 2016. I did end up paying a portion of the shortage in XXXX 2016. On XXXX/XXXX/16, I requested that another escrow analysis be run since making that escrow deposit. The analysis was run and my payment was going to be lower than projected but around XXXX higher than my current payments. I am fine with the increased payment, however, Nationstar said that the increased payment was due immediately. They gave me no notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: National Credit Adjusters, LLC
State: TX
Product: Credit reporting 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:
The accounts are due to fall off my credit reports next year on XXXX and XXXX. The accounts are with another collection agency XXXX on my XXXX and XXXX reports. The accounts are credit card debt for XXXX XXXX XXXX The accounts were reported as new accounts on my XXXX credit report by National Credit Adjusters on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-15
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I XXXX XXXX, Is very upset that the credit bureau place negative things on my credit after I had send them my police report and My identify theft report they remove it and place it back on my credit with out my consent. I am very upset I have been getting turn down for credit. I have no knowledge of this debit they are trying to collect on. Please help me. I just don't understand how all three credit bureau take things off my credit and place it back with out me knowing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-25
Company: Global Lending Services LLC
State: WA
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:
On XX/XX/XXXX I had to re-dispute wrong information with XXXX, that was placed on my credit report regarding a car loan I had, through a company by the name of Global Lending Serviceseven sending them a letter from Global Lending, showing proof that it was paid off. Global Lending reported that I was 30 days late on my car payment, which was incorrect. I traded the vehicle in before I reached the 30 day mark, yet they never updated it in their system. I first contacted XXXX, XXXX, XXXX, and the lender Global on XX/XX/XXXX, upon seeing they reported incorrect information on all three of my credit files, which also drastically dropped my credit scores. Upon a completed investigation, XXXX and XXXX concluded my complaint was true/valid, and updated both credit filesremoving the 30 day late report from Global Lending, to on-time payments. While XXXX concluded that the lender said the 30 day late remark was accurate, leaving the derogatory/false reporting on my report. While checking the status of my dispute on my XXXX  credit file, I noticed that not only the remark I had disputed was still on my report, but a second late remark was added to my XXXX   report from Global Lending on XX/XX/XXXX. Although on all three credit reports, it now shows that my old car loan with Global Lending is paid off and closed, also shows the finance company ( XXXX XXXX XXXX ), for my new vehicle has been added. So I have no understanding why XXXX or Global Lending is still reporting late payments on my old car loan. I even called to speak with both companies and was rudely brushed off by XXXX and told they couldnt do anything because Global Lending reported the late payments as being accurate, yet Global Lending insisted everything is updated in their system, even sent me a letter. Being that the other two credit bureaus found the 30 day late report to be inaccurate, not allowing another late payment to be placed on my credit report, it seems XXXX isnt following proper protocol, adding false information to my credit report.

Company response to consumer: Closed with explanation