BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: Shellpoint Partners, LLC
State: HI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
NewRez is servicing my mortgage account. On XX/XX/2020 I made payment in full for the forbearing balance ( as due to COVID-19 event ) that I owed for the month of XXXX and XX/XX/2020, and an extra payment amount to cover XX/XX/2020 due. However, my extra payment amount appeared on my statement as for the extra principle amount instead, and my XX/XX/2020 due was still owed. 

On XX/XX/2020 I called the customer service line at XXXX, waited in the queue and got disconnected by their automated system after 19 minutes. 

On XX/XX/2020, I logged on my account online ( myloan.newrez.com ), wrote email via " Contact Us '' link and requested them to apply my extra payment they received on XX/XX/2020 to my XX/XX/2020 payment. I wrote the email because their web site stated that " Please allow two business days for emailed questions. '' On XX/XX/2020, which is 8 days past my 1st email, my payment still has not been fixed, I sent another email via " Contact Us '' link and also called the customer service line twice. The first time I got disconnected after 15 minutes, then the second call got disconnected after 35 minutes. 

I am not able to resolve with NewRez regarding my past due amount. If I don't send in additional extra amount that I DO NOT OWE, eventually after a period of time, my credit score is going to be affected as I am already finished my forebearing period ( as the result of COVID-19 event ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: AES/PHEAA
State: AP
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started with XXXX, but my loans were then purchased by MyFedloan. I am on an Income-Driven Repayment Plan. I am a  XXXX and wanted to update how many qualifying payments I've made toward the 120 needed for loan forgiveness. My income was so low one year that my payment calculated to {$0.00} per month. For 12 months the balance due was {$0.00}. The companies servicing my loans won't count these 12 months of payments as qualifying payments even though I was enrolled in an Income-Driven Repayment Plan and XXXX at a qualifying government institution. It is my understanding that even {$0.00} monthly payments are supposed to qualify as payments toward the 120 required for forgiveness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: Experian Information Solutions Inc.
State: AL
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report, and over 30-60 days later I have not received a response yet.

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 2020-08-12
Company: EQUIFAX, INC.
State: UT
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:
My Complaint is with Equifax the credit reporting agency and XXXX. Equifax is only reporting my credit score as XXXX and XXXX is reporting as XXXX, this is due to the fact that they will not remove old issues and public records from my report. I filed a bankruptcy in XXXX of XX/XX/XXXX and the bankruptcy was discharged in XX/XX/XXXX, 8 years ago. Every aspect of the bankruptcy has been met and my credit score with XXXX who is no longer reporting the bankruptcy is showing XXXX. I have disputed this fact with both XXXX   and XXXX multiple times over the last year and they keep denying stating it is reporting correctly and it is not. I feel as though this is a prejudice and I am being discriminated against on my credit reports. I am trying to get my score up to close on a home loan and I can not nor have I been able to for the last year due to this mis reported information. My FICO score is showing as XXXX as well however I am being punished for something that happened 8 years ago due to my husbands company going under during the economy collapse. It is seriously by law only allowed to be reported for 7 years after the discharge which is now 8 years ago. Please fix this asap so I can buy a home. I have paid off mostly everything else off in my credit report and this is just discrimination when this should have been removed over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage payment for XX/XX/2020 and XX/XX/2020 went to XXXX XXXX  rather than the intended Mortgage holder which XXXX/PHH. I have contacted and provided proof of payment but they don't offer a solution. They refuse to help becuase I dont have an account with them, but they have my money. My mortgage is XXXX each month. I have borrow money for the missing payment to make a second payment for XXXX. It appears I will not be able to make a second payment to cover the second payment lost for 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 2017-02-11
Company: BB&T CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
In XXXX XXXX, I opened at auto loan with Regional Acceptance through XXXX XXXX XXXX in XXXX XXXX, Maryland. I received at loan in the amount of {$25000.00} with an interest rate of 29.9 % ( payments of XXXX monthly for 66 months ). After making on-time payments for over a year. I lost my XXXX position in which I notified Regional Acceptance and asked for a loan modification ( due to my current income and past on-time payment history ). At that time I was told that they do not do refinancing. In turn, I attempted to refinance the loan with my credit union and was told that the vehicle has too much negative equity and that they would n't help me. I also attempted to trade the car in at several dealership and was told the say thing. Over the years, after making payments to the loan, I asked Regional Acceptance to allocate the payments in a manner that would result in a credit towards the principal balance versus just the principal. After making payments for over 3 years, the account balance never dropped past {$20000.00}. In XXXX XXXX, the vehicle was stolen from my residence. It was later found was deemed totaled by XXXX. The value of the car at the time was {$13000.00} which was almost {$8000.00} less than was owned to Regional Acceptance. Regional Acceptance is still reporting late payments on my credit after the car was totaled in XXXX XXXX. The car was sent to their Insurance lot and they are still attempting to collect this debt.

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 2015-05-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
On XXXX XXXX, 2015 I was in the process of secure financing to buy out my lease ending on XXXX XXXX, 2015 from XXXX XXXX XXXX. I leased my vehicle from XXXX in XXXX and recently relocated to XXXX, with the intention of purchasing the vehicle at the end of the lease. I contacted Wells Fargo Financial Services The Wells Fargo Inbound Sales Specialist, XXXX XXXX, informed me that if I went through Wells Fargo for financing, not only would they help get me a competitive interest rate, they would also take care of the title, registration, license plates, and tax payment. On XXXX XXXX, 2015 I made an appointment with the Wells Fargo Inbound Sales Specialist to finalize this loan at a local Wells Fargo branch in XXXX, XXXX where I would be speaking with a local Private Banker, XXXX XXXX. During the contract review process, I was informed that I would be financing {$15000.00} for the payoff as well as sending separate checks to Wells Fargo in XXXX, XXXX who would be taking care of the tile, registration, license plates, and tax payment directly with the State of XXXX and XXXX XXXX XXXX. The Private Banker as well as the Inbound Sales Specialist, XXXX XXXX, informed me that I would be receiving the registration, title, and license plates by mail and that I could expect these between 7 - 14 business days. On XXXX XXXX, 2015 I still have n't received the registration, title, and license plates so I contacted the Wells Fargo office in XXXX, XXXX to learn that there was an internal issue with the paperwork and that they were sending my checks back to me, where I would need to take care of all the paperwork on my own. On XXXX XXXX, 2015 I received a phone call from the Inbound Sales Supervisor, XXXX XXXX, accepting responsibility for the issue and apologizing, but that nothing can be done and that I would need to take care of all on my own. This situation has me believe that I was sold a service that was not part of the original agreement secure financing and interest by misleading me. I do have email correspondence between all parties listed above and myself, indicating that the paperwork would be taken care of by Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Windham Professionals, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Called my place of employment, at which I have only been employed at for 6 weeks, I have never used the phone number of employment on any documents, so how they know I work here befuddles me. I am not behind on any debts and I do not have any student loans. I also have received calls at my home and on my cell phone that were about student loans, but I do not have any student loans.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days XXXX they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact Transunion more than XXXX times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im XXXX  XXXX cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE

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 2020-09-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 am 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 explanation
Consumer complaint received 2022-08-05
Company: CBC Companies, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I applied for an apartment at XXXX XXXX in XXXX XXXX, NJ with XXXX XXXX XXXX and was denied because of an adverse action supplied by AmRent, Inc. AmRent, Inc XXXX XXXX XXXX XXXX and XXXX are reporting a bankruptcy and or other adverse actions on my credit report without verifying this information. The New Jersey Court System does not report or verify any information relating to consumer reports with credit reporting agencies. AmRent, Inc, XXXX, XXXX and XXXX are reporting Inaccurate Public Record/s on my consumer credit Report. This has caused damages and are violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq., as amended. AmRent, Inc, XXXX, XXXX and XXXX have been reporting derogatory and inaccurate statements and information relating to my credit history to third parties ( the inaccurate information ). 
The inaccurate information includes, but is not limited to, a public record judgment/bankruptcy. 
The inaccurate information negatively reflects upon my credit history which is preventing me from obtaining proper housing and loans. It is affecting my character and representation of being financially responsible as a debtor and credit worthiness. 
AmRent, Inc, XXXX, XXXX and XXXX have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Every time I get a quote for insurance either I was ineligible, or it was too high. I would always ask what the reason for this and I was always get told that it could be because of my credit. I decided to pull my credit and I am extremely shocked on the outcome of the report. The things I have listed on this application are not mine. Please remove these items from my report. CHAPTERXXXXBANKRUPCTYDISCHARGED XXXX XXXX  XXXX {$1500.00} XXXX XXXX {$1200.00} XXXX XXXX {$1500.00} XXXX {$3300.00} XXXX XXXX {$860.00} XXXX   XXXX {$710.00} XXXX   XXXX {$1500.00} US DEPT ED XXXX {$6300.00} USDOE XXXX XXXX {$49000.00} USDOE XXXX XXXX {$3700.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX {$1700.00}

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 2020-08-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/2020 a perpetrator used some type of scanner to acquire my XXXX XXXX XXXX Credit card and then purchased approximately {$200.00} in gift cards right behind me at XXXX XXXX. I realized the charges had occurred on XX/XX/2020. I contacted XXXX XXXX and they reviewed video of the incident. I filed a police report. I disputed the charge with my bank ( Bank of America ). My bank said they would investigate. On XX/XX/2020 I received and email notification that my bank had concluded their investigation and found no evidence of fraud, so I was not reimbursed for the charges. 

My concern is that XXXX XXXX indicated no one at Bank of America had reached out to them. So it appears to me they simply denied my claim without investigating. This is just absolutely disgusting in my opinion. Bank of America has failed me on multiple levels here. They failed to protect my finances. They failed to investigate what has happened. They have failed to fairly treat someone who has been a loyal customer of theirs for more than XXXX years. They have indicated it was more XXXX XXXX fault than their own.

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 2020-01-09
Company: Experian Information Solutions Inc.
State: NY
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:
I previously notified your company of incorrect information on my personal credit report that was due to fraud

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 2021-04-21
Company: Self Financial Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
XX/XX/XXXX I opened a credit builder account with Self Inc. On XX/XX/XXXX I told them I no longer wanted their service and I paid their fees. They updated XXXX and XXXX to show a paid and closed loan for XXXX. Self Inc refuses to update XXXX. Ive disputed this account with XXXX and XXXX will not update because Self Inc says that its a open loan with a balance of XXXX. Ive given XXXX proof of the paid and closed account. Ive contacted Self Inc several times via online chat and by email. Still nothing is resolved. It looks like I have debt on my credit report owing a company XXXX dollars even though it is not a real loan. Ive paid their fees and contacted both sources but no one from either company will resolve this issue. XXXX and XXXX had updated correctly. It took like the end of XXXX to update. XXXX refuses to update or Self Inc is giving false information to them about me owing money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a house located in XXXX PA, my ex wife and I got divorced approx. 3 years ago. XX/XX/XXXX we placed a our house on the market to be sold, the process was going to be a short sale. The mortgage lender is Wells Fargo. The realtor is through XXXX. I had a buyer with in a week of it being on the market. The buyer agreed to pay XXXX and had a third party appraisal, appraisal came back at XXXX was appropriate. Wells Fargo did appraisal of XXXX. The realtor did comps in the area and XXXX is appropriate. The house needs work and XXXX is too high. I have documentation from other realtors stating the XXXX price is too high. Please see the attached documentation. Wells Fargo is demanding the house to be sold at XXXX and if not they re going to proceed with foreclosure. Wells Fargo is double dipping if it goes to fore closure. The have insurance for this reason then they ll turn around and sell the home. Also I work for the government and being this is a FHA loan its going to effect my employment. All this because Wells Fargo is refusing to expect the area prices of the homes in the area and is holding me hostage on a price that is unable to be achieved. The communications between the Wells Fargo and the realtor and the seller is horrible. They have dragged this out for approx. 6 months just to push into foreclosure is not right.

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 2020-01-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Was not notified of investigation status or results

Complaint:
Hello, I was advised to reach out to you all regarding some items on my credit that are not mine. This has become very frustrating to get this handled. This is my second time going dealing with someone using my identity. I was informed a couple of months ago of a car that I did not purchase that was registered to me and was involved in a police chase. This has become ridiculous at this point. I have attached a copy of the police report and FTC complaint

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 2020-01-09
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 this account was opened and reported to the credit bureaus for {$370.00}. This is not a debt I own and have not accounts with this collections agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: EQUIFAX, INC.
State: OK
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:
failure to apply under the FCRA Rules & Conditions, Sec 609 ( A ) ( 2 ), 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ) and under Identity theft Rules under 623 ( a ) ( 6 ) ( A ) Which Equifax did not follow these Rules after receiving the Notice and dispute letters which on three different times and I have the proof of service from the certify mailing receipt. I also have a pending litigation matter om XX/XX/2020 on, Equifax regarding this incident. They didn't even respond back in that 30 days timely matter from the dispute letter 's They didn't even respond back until after the 3rd attempt from the disputed letter after I exalted all my state remedy 's and due-process.

Company response to consumer: Closed with explanation