BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-14
Company: WELLS FARGO & COMPANY
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We received a mortgage loan through Wells Fargo Financial in 2005, ( this being a refinance from an earlier loan ). We have since discovered that this loan was based on the rule of XXXX 's for the application of payments. Congress passed law in 1991 stating that this form of accounting could not be issued to loans over 61 months, our loan is for 240 months. Because of this loan structure, we were unable to refinance with any other company because we owed far more on the loan than we originally borrowed. We have tried for 5 years to have Wells Fargo correct the errors in our loan servicing, to no avail. After 5 years, Wells Fargo has now foreclosed on the property. We had to file an emergency Chapter XXXX bankruptcy in order to save our home. After years of research, I have uncovered more errors in the loan servicing. Examples of these errors are : WFF APR is twice the amount of the average APR at the time of the loan making this a high cost mortgage, of which are subject to the requirements of TILA 12 C.F.R. 1026.35 ( Title 12 of the Federal Register ). TILA Sections 108, 129, 129B, 129C and 130 state the statute of limitations to be 3 years. Our appraisal and income was inflated in order to qualify for this loan, a violation in which the originator must make certain of the ability to repay. No counseling session was required thus no counseling certificate was presented. 12 CFR 1026.32 ( d ) ( 6 ) prohibits pre payment penalties on these loans. 12 CFC 1026.35 ( b ) requires escrow to be established ( no escrow established on our loan ). 12 CFR 1026.36 prohibits loan originator compensation whereas our loan included commission to the officer. 12 CFR 1026.36 ( h ) prohibits mandatory arbitration on waiver of certain consumer rights, such arbitration agreement was included in our loan closing. The loan originator must be licensed with XXXX and the loan documents must reflect this. No Identification number was included, bringing up the question as to the qualifications of the originator. We never received our Truth in Lending Disclosure. With all this being said, due to the structure of this loan and our inability to have these errors corrected, our credit has been significantly damaged and un-repairable. The damages that Wells Fargo has caused us both financially and emotionally are insurmountable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
1. I settled a loan from XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX agreed to remove account. I sent copy of letter of settlement from XXXX XXXX XXXX XXXX to Transunion, XXXX and XXXX. However, account was not removed or updated. 
2. All credit reporting companies are reporting an account from XXXX. I have never dealt with this company. I paid off XXXX XXXX XXXX and I have no balance. However, Investment retrievers have kept reporting negative information on my credit file. 
This is inaccurate information has adversely affected my credit score. The credit reporting companies are not following the federal Fair Credit Reporting Act ( FCRA ) which requires them to report accurate information.

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 2015-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I recently noticed a repeated credit inquire every 3-months on my report since 2013. This is only on my Trans-Union report. The report list creditor contact a SYNCB/PAYPALEXTRASMCORLANDO, FL XXXX XXXX XXXX XXXX XXXX. I called this number and they state someone is applying for credit using my social security number and that I needed to contact Trans Union and hung up the phone. I called Trans-Union to report the fraudulent activity and they said they can not do anything about it, I asked for the information to be disputed and open an investigation and the Trans Union Representative refused to take such a report. only their represented refused to note the account. I asked for contact info to report the inquiring company and the fraudulent activity, there the Trans-Union representative stated he knows there is a number I can call but he does n't have the number as this time and that I needed to report the fraud to the company pulling my report. The company listed on my report said they do n't know anything about it and that XXXX is applying for credit in my name. I have called XXXX and they transferred me 5-times and noone there seems to have an answer either!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
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: Account status incorrect

Complaint:
XXXX Reported : XXXX XXXX, 2019 was transferred to XXXX Reported : XXXX XXXX, 2019 which was paid off and closed on XX/XX/2019 but it does not reflect that on my credit report.

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 2015-08-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My first and second mortgage was through XXXX XXXX. We negotiated a short sale with them. They agreed to remove the balance on the first mortgage and close both the first mortgage and second mortgage and CHANGE THOSE STATUSES TO UNRATED. The first mortgage was properly notated but the second mortgage XXXX Account XXXX ) is reflecting a status of " Charged Off ''. I disputed this with the bureaus and they left the status the same. 

The three credit bureaus would have submitted this to XXXX XXXX. They would have sent back the dispute indicating that the charged off status is correct. This is contrary to the arrangement we had for the status after the charge off. The Fair Credit Reporting Act provides that the data furnisher has the same requirements for processing disputes and providing the correct data as the bureaus do ( FCRA section 623 XXXX a ) ( 1 XXXX ( A )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: ALLY FINANCIAL INC.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Since the inception of my vehicle loan with Ally Financial I have paid over the required monthly payment. Each month I have requested that the amount paid over be applied to my principle balance. It appears that interest is being deducted from the total amount paid and not from the payment due amount. I believe the amount paid over the payment that is due has been misappropriated throughout the duration of my loan.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
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 am a victim of identity theft. I had filed complaints to the XXXX on XX/XX/2022. The bureau received the complaints but has not taken off the Unverified information from my report. 
The Bureaus have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section611 ( 5 ) ( A ) of the FCRA you are required to delete all information that can not be verified.

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 2015-07-28
Company: CITIBANK, N.A.
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
We put our home up for Sale as a " Short Sale '' on XX/XX/XXXX. We have two issues with Citimortgage : # 1. Received an offer on XX/XX/XXXX and since then Citimortgage has requested new closing dates every month ; for different reasons. A year later the new closing date is XX/XX/XXXX. Need a reason why it took so long for the closing. Which put me threw a lost XXXX. 


# 2. We were told by Citimortgage Representative, that we will receive a relocation incentive of {$3000.00}. That is no longer available because they said we moved out. Yes, we moved out to due no heat in the home, however I still have furniture in the home ; I am staying with family members.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Working with XXXX XXXX to remove. XXXX 's put false information onb my credit report after failing to withdraw {$25.00} from my account in nJan 2015. I called XXXX XXXX and paid {$27.00} and the XXXX credit rep said no deliquency would be put on account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I used to live at XXXX, XXXX XXXX, Tx XXXX and i XXXX on XX/XX/XXXX.I had to vacate my apartment and break my lease because i have to go for XXXX. My XXXX started XX/XX/XXXX and ended XX/XX/XXXX.I then proceeded to the XXXX. I got out of XXXX in XX/XX/XXXX.I relocated to XXXX, Texas XX/XX/XXXX.I got an apartment in XXXX, Texas and during background check, they discovered i was owing XXXX $ XXXX.I called the manager at XXXX and she told me that, I incurred a debt of {$110.00} because they spent it to clean my apartment unit after i moved out.I asked her about my security deposit and she told me that, i have forfeited that because i moved out without completing my lease agreement.I explained to her that i broke the lease because i had to go for my XXXX and i submitted all necessary papers.The apartment manager said she is aware of that but it was their policies to hold on to the security deposit.She then told me that my debt has been given to an external creditor.I called the external creditor instantly and paid the debt.The external creditor ; XXXX XXXX XXXX XXXX ( Phone Number XXXX XXXX XXXX ) closed my account after payment but the left it on my record.My problem is that this debt appears on my credit report anytime my rental history is pulled up and prevent me from getting an apartment unit.I was on a XXXX and i should not incur this debt in the first place.I will be grateful if this particular record is removed from my credit report.I dispute the validity of the debt and actions taken by the Management of the XXXX and National XXXX.Please find attached document showing details of my schedule and program for my 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 2015-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I paid of my mortgage in XXXX XXXX sum of {$85000.00} they deleted it with out my consent I never ever even disputed nor did I try they removed my paid of XXXX XXXX XXXX sum {$35000.00} as XXXX XXXX the deleted my ally loan sum of {$29000.00} as of XXXX XXXX then I called them yesterday told them on XXXX/XXXX/XXXX that there was suspicious phone number XXXX on my fraud alert hows that they did n't know I asked them would they please change it back they did they asked XXXX security questions only I would no you hade XXXX anser each question with XXXX correct answers I did that it was good they deleted the old number that 's not mine put in correct number XXXX that was there from when the fraud alert was put on XXXX XXXX he was trying too figure out how that happened as seen the some one added extended fraud alert with that new number trying too block me from my credit report its raised red flag with them they were nice enough too help me out I told them I got there credit monitor as yesterday XXXX/XXXX/XXXX too protect me know but we have problem XXXX inquiries within starting XXXX XXXX till as of XXXX/XXXX/XXXX I called them on XXXX/XXXX/XXXX added security freeze I have the new freeze number they removed the old one due too some one got my mail transferred are come buy checked it took it out and try too block me out please help me I hade perfect XXXX with transunion in XXXX XXXX too XXXX XXXX know in down too XXXX what happen my house was deleted my XXXX paid loans were deleted XXXX has the paid mortgage and the XXXX car loans that are paid in full as well I tried too share them with them they told me nope they do n't do that yes there supposed too do that that 's my loans I worked hard too pay off all ask of them too do the wright thing as worked so hard too keep some what good credit it took some one trying too steal my identity too crash it please help me I know who has are trying too do this thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-28
Company: Caliber Home Loans, Inc.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage holder is Caliber Home loans. I made mortgage modification XX/XX/2015.According to my agreement I have to pay mortgage and maintenance fee to Caliber Home loans and bank have to pay maintenance fee to my HOA.By some reason Caliber do n't pay.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25
Company: Bison Recovery Group, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX refuses to communicate with Bison Recovery Group concerning my closed account. XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, NY 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 2015-08-12
Company: Coastline Financial Resources, LLC
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
My landlord received a call from XXXX, a debt collection company, who said they had a delivery for me and wanted to confirm my address and social security number. They left the phone number XXXX and a case number XXXX. I returned the call myself to request their mailing address in order to send them a cease and desist letter and to inform them that my sole source of income is XXXX XXXX XXXX XXXX. The ( unidentified ) woman on the phone refused to provide the company 's address and claimed that they were in the process of filing court documents to recoup an alleged debt. They would not provide me with any specifics regarding this debt and called me a " deadbeat '' who was trying to " hide behind a legal technicality '' ( my right to request that they stop calling me or my landlord and to contact me in writing, only ) at which point I ended the call. 

I have located an address for XXXX online and have sent a cease and desist letter, with a copy to XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to AD Astra Recovery Services , Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with AD Astra Recovery Services , Inc. This was a XXXX Pay Day Loan and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by AD Astra Recovery Services Inc. In this case the debt should be removed from my credit report and out of the office of AD Astra Recovery Services , Inc. because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: Seterus, Inc.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I changed insurance companies and sent in the reimbursed amounts from the previous company to Seterus so that the escrows would not be extremely short. Needless to say that amount sat in suspense for three months or more until after I had called XXXX 5 times to get it straightened out. then seterus took the whole amount of the billable insurance on my policy and added it to XXXX of my loans. Any XXXX in their right mind would know that XXXX house does n't have insurance in the amount of {$4300.00}. The mortgage on that property went up XXXX $ and we had to pay it from reporting late on our credit. that took 3 months to fix. now I have paid a principle payment on my mortgage followed the directions on how to do it and still another blunder. they just took my mortgage payment out of it. If I had not checked my checking account and asked why my mortgage had not been drafted I would n't have know ... the only attention to detail they have is what is my phone number and have I moved. I totally hate this servicer. they are awful ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
( Account numbers enclosed as all accounts have been closed for several years ) My XXXX/XXXX/XXXX bankruptcy discharge included two separate XXXX mortgages/equity loans. One loan, Acct XXXX for a dwelling on XXXX in XXXX, AZ, was discharged by this bankruptcy. The other loan, Acct XXXX ( possible full acct # XXXX ) ( loan application # XXXX ) was reaffirmed by me and not discharged in the bankruptcy. Payments for this loan were all made in a timely manner until the home was sold on XXXX XXXX, XXXX. At that time the remaining balance was paid in full. 
I made numerous complaints to XXXX and was always told they would research the matter and report back to me. I never heard anything from XXXX. 

I made several disputes to the credit bureaus who always reported back that they had contacted XXXX who erroneously reaffirmed the loan had been discharged by bankruptcy. The latest dispute and reaffirmation was by/through Trans Union on XXXX XXXX, XXXX. 

I would greatly appreciate this issue being resolved. 
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 non-monetary relief
Consumer complaint received 2016-02-12
Company: Bepensa Capital, Inc.
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I was returning a call from my auto company AFS acceptance, I informed my rep XXXX that I needed to make the payment on the last Thursday on the month I just started a new job and my pay dates are off now. I hope with my taxes I can get my payments back on track and not pay late any more. She told me she did n't want to wait for my taxes, I told her that 's not what I stated, I called to set up a payment and tried to repeat what I told her the first time. She told me to listen to her, I informed her it was my mom 's birthday, and I was on a XXXX min break I just wanted to set up my payment she told me if she could n't talk she was going to end the call and hung up. I called back and requested to speak with a manager and asked them to cease all call, I got XXXX calls the next day. I found it really rude that she got upset about a payment that was only one day late at the time, and for her to tell me that she was not going to depend or wait on my taxes when that was not what I stated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I tried to dispute with Equifax an item is in my redit report, and there is a process of a Validation of this debt with XXXX XXXX, I also kept Equifax aware that I 'M in the process of a validation of this debt, therefore Equifax con not continue reporting this item if a validation of this debt is not provided to me, from XXXX XXXX .from this collector of this especific debr, but seems Equifax don not respect my FDCPA rigths, equifax still reporting this item is not validated see attached documents and FDCPA section XXXX validation of debts { XXXX XXXX XXXX }

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I was to file bankruptcy and pulled credit report. In XXXX 2014, XXXX XXXX and XXXX reporting I owe them. Called to get original bill and also called XXXX XXXX XXXX where original bill is. XXXX states I only owed {$76.00} which I paid. I went into office and they stated my credit report would be cleared. Called Experion XXXX 2014, and I was told XXXX XXXX is reporting correctly stating I still owe them {$110.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief