BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I 've been stuck in this modification XXXX with my for several years now. Last time I applied for a modification was on XXXX XXXX. I have submitted every document that they have requested yet no results have come out of it. just two weeks ago, my company requested some more information which I provided promptly. My current manager went on vacation and my servicer decided to start a foreclosure process on the property even though I am in a review for modification. California homeowner 's Bill of Rights strictly prohibits dual track process. The law says it that bank can not review for the modification while starting the process and filing a notice of default. My lender has broken the law. 

Wells Fargo Bank also continues to ask develop the same information over and over and over again. I have provided RMA and other requested information at least five in the last three months. however, the done nothing but ignored it and send me letters requesting it again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: TX
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:
XX/XX/2022 XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX *Last 4 of SSN : Re : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Dear Consumer Financial Protection Bureau XXXX I'd like to file a complaint against XXXX XXXX XXXX XXXX I disputed a XXXX account through Equifax, XXXX and XXXX in XXXX and XXXX of XXXX, the account was not deleted from my credit profile after the dispute was completed. As part of the dispute, I requested debt validation to include a contract or contracts signed by ALL parties involved. Instead of a signed contract, XXXX sent a variety of paperwork that didn't include none of what I requested. 


Please help me to either obtain a contract signed by ALL parties involved from XXXX XXXX XXXX or demand that the company cease and desist all collection activities including credit reporting. 


Thanks in advance, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Seterus, Inc.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received a letter from our Mortgage lender ( Seterus Inc. ) on XXXX XXXX, 2015. The letter states that " an escrow refund in the amount of {$650.00} has been requested and will be sent to you under separate cover once processed ''. To date, I have not received this refund. I have called XXXX times and each time I am asked to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hi there. I have a dispute to report. I cancelled an XXXX XXXX card last year. Right before I cancelled it I paid the balance down to {$0.00} and was told that I did n't owe anything else on it. And the end of last year I was notified by Trusted ID from Equifax that an XXXX payment was overdue by 90 days. I was shocked to learn this. I think contacted XXXX about the matter. They admitted it was their mistake and brought the account balance back to {$0.00}. They also gave me a {$70.00} credit towards a bill on another XXXX card that I still have. They also said that they would tell each credit agency what happened and clear my credit of the mistake. I spoke to Equifax this week and they said that there 's still a late payment being reported for XXXX and XXXX of last year. Can you please contact XXXX XXXX and tell them to fix this matter? I take my credit score very seriously and it was in Excellent standing before this wrong doing. Thanks for your help and I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: ASSOCIATED BANC-CORP
State: WI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I make my monthly payment online to my mortgage company ( Associated Bank ), as encouraged by my lender. My payment amount is about {$680.00}. and I generally pay more. Associated Bank 's online payment program allows customers to select from the following XXXX options ; ( 1 ) Payment ( 2 ) Principal Only ( 3 ) Escrow Only. For my XX/XX/XXXX and XX/XX/XXXX payments I selected ( XXXX ) Payment - with the expectation that the payment would be applied to Principal and Interest. After making my XX/XX/XXXX payment, I noticed that both, my XX/XX/XXXX and XX/XX/XXXX payments were applied XXXX % to Principal. 
I called Associated Bank and advised this was not as intended and I needed the payments to be applied to Principal and interest otherwise, I was being harmed as a customer and would need to pay more. 
They said they would look into it and get back to me. They have since said they can not reapply my payments and that I have not been harmed. But here are the facts. 
3 payments of {$680.00} is {$2000.00}. 
I paid {$720.00} in XX/XX/XXXX, {$750.00} in XX/XX/XXXX for a total of {$1400.00}. 
I was informed that since my last two payments were applied only to Principal that my accrued interests balance is more than {$1400.00} ( which I would need to get to XXXX for future payments to be applied to principal ). So if I add what I 've paid for XX/XX/XXXX and XX/XX/XXXX {$1400.00} and {$1400.00} ( accrued interest ) that totals {$2800.00}, which is more than {$800.00} more than I would be required to pay during the same 3 month period. 
Not only am I being forced to pay more over a three-month period. It appears there is a systemic problem with Associated Banks online payment process that applies payments in a manner that harms their customers. I never requested that my payments be applied only to principal and now they are telling me it will not cost me more ( not correct as noted above ) and that they can not fix it ( not true, I am sure they can re-apply payments whenever they want ). 
Again, all I ask is that my payments be applied as they were intended, which is to Principal and Interest and not in a manner that benefits Associated Bank, or harms me, which is what they are doing. 
Again, it seems to me there is clearly a systemic issue at Associated Bank that is benefiting them while harming their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Trident Asset Management, L.L.C.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Trident Asset Mngmt to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-12
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
While checking my personal credit report, I noticed XXXX Employers listed as XXXX, XXXX XXXX and XXXX XXXX XXXX on EQUIFAX credit report. I have never been employed by these companies. I am requesting that EQUIFAX immediately remove these names from my credit file, listed as my previous Employers on my credit report. I have attached a screenshot of the incorrect information listed on my credit report XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: ROYAL UNITED MORTGAGE LLC
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I applied for a loan with a loan advisor XXXX at Royal United Mortgage XXXX on XX/XX/XXXX for myself and wife to pay off our investment property I sent over copies of 2 years of tax returns XXXX our drivers license copies of both residence bank statements and all our loans and credit cards information thinking that we would be approved for the loan from XXXX who mentioned it sounded like he had approved the loan. After all the transaction of trusting this guy he called on XX/XX/XXXX and told me that the loan was denied.My main reason for this complaint is after applying for that loan XXXX some how added my wife information onto my credit and added my information on hers causing both of our credit scores to drop extremely low I would like to know if this legal or is this considered fraud.Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: Trident Asset Management, L.L.C.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have send this people proof that i have never lived where they said i got a bill also i have told them i had an identity theft and they still do n't get it!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: ROYAL UNITED MORTGAGE LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Settlement process and costs

Complaint:
XXXX closing was done by a notary that did n't have a clue what the documents were that he was having me sign. Could n't answer any of questions. When I asked a question all I was told was I do n't know that is where you have to sign and if you do n't sign then the loan ca n't be closed. I was told all documents would be explained and I was told that if I submitted a voided check the funds would be direct deposited to my account, which I submitted but funding day some of the funds were wired to a holder of a previous home equity for a payoff ( which is fine ), The next day I received cashier checks made payable to companies for me to forward, which caused my pickup payment late and on funding day the cash out funds were wired to my account which caused an incoming wire fee that was not disclosed to me. The loan officer that was assigned to my account has stopped communicating. Apparently since he got his commission he is done with my account. I tried to email Royal United Mortgage to find out who I could discuss this with but my email was returned as blocked.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19
Company: BMW Financial Services NA, LLC
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a vehicle loan through BMW Financial Services. I was thirty days late for the XXXX XXXX, 2015 payment. XXXX of my credit reports state they the XXXX late was XXXX 2015 and the other says XXXX 2015. I have disputed this with the bureaus and BMW responded that they were reporting correctly and they are not. I have attempted to resolve this through contacting BMW on multiple occasions and I continue to get different answers. I am requesting assistance to have the credit reports report correctly as showing the payment was XXXX days late for XXXX 2015. I have attached a letter from BMW that I received stating the XXXX payment was late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Messerli & Kramer P.A.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Messerli & Kra  mer A ttorney at Law  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , MN  XXXX  The company dropped of a summons with all my personal information exposed in an attempt to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Linebarger Goggan Blair & Sampson LLP
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
third party collection agency garnish my wages with verifying the debt after I sent them a debt verification notice several times

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Real Time Group, Inc.
State: SC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Real Time Solutions XXXX XXXXXXXX XXXX, XXXX   XXXX Re : Real Time Solutions partial account # XXXX ; XXXX partial account # XXXX Dear Real Time Solutions and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX. 

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached. 

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws. 

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. 





XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
They have me working at XXXX, which I do not that was where my husband worked, also I have never lived on XXXX XXXX in XXXX XXXX fl. I shared a XXXX card acct with a friend and she lives at that address. Since that acct has been closed and a new acct opened in my name. Please check with the usps and you will be able to verify that is not my address. and irs can confirm that I do not work at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Rent Recover, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Rent Recover of XXXX XXXX, LLC posted a collection item on my credit report. I called to inquire about the item and a representative named XXXX and XXXX were extremely rude and disrespectful and insulted me several times. I told her the information she had was wrong and that I would email her an up to date contract that shows I do not owe anything. She refused to accept the notarized contract and called me unintelligent enough to understand. She also refused to allow me to speak with her supervisor before hanging up on me. I have no responsibility to this debt as the real lease agreement was broken by the property owner. I have pictures that show there was no property damage and the real lease agreement is public record filed with the XXXX County Recorder of Deeds under the property address XXXX XXXX XXXX XXXX XXXX IL. Rent Recover refused to acknowledge the real lease agreement and insulted me numerous time. They never sent a notice about this debt before posting it to my credit report. There communication tactics are horrible. They make false statements and never accept real documents. XXXX and XXXX should be fired and Rent Recover should be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
JH Portfolio Debt Equiti, XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX will not delete from the credit reporting companies a charged off debt from 16 YEARS AGO that is too old. The old debt agreed that they were settled and no longer viable to me due to medical and low income problems. I want the XXXX debts that the company charged off DELETED from my credit reporting companies due to poor health and income.

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 2015-11-23
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Unable to access free annual reports for maybe XXXX consecutive years now. Information used to verify my identity to get the reports states SEVERAL possible accts I have never even thought to open. Loans I have n't applied for! 
Also I lost my ID card Last year and have since been told by a few eyewitnesses that a female I know had been using my identity in the XXXX XXXX area XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Recovery Solutions Group, LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
A company name http : //rsgcollect.com/ contacted me by phone and said a loan debt was owed in the amount of XXXX. 
i told them to email me the information for review. i then received a call 20 minutes later from a blind number from a company called XXXX XXXX threatening to seize property and that they will contact my parents, visit my property and contact my landlord of my business if i do n't pay today. 
i called recovery solutions back and told them about the XXXX call and they confirmed that they hired XXXX to seize property immediately. 
i began to feel suspicious, so i found contacted XXXX online and contacted them- they said they do not know of a company called recovery solutions. and i then contacted the original debtor listed on the debt and they too did not hear of recovery solutions.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I just attempted to payoff my second mortgage with Shellpoint Mortgage Servicing. I went on line to get a payoff amount. The system had me enter a payoff date and gave me an amount but had a disclaimer " Please call for updated figures prior to remitting funds as they are subject to change without notice ''. I called and the agent could not verify the figure and I was told that I would get in a few days. When I asked if I could make a payoff online or on the phone, I was told the online limited me to {$20000.00} of additional principal and they also could not take it over the phone. I would need to mail a check or pay for a wire transfer. This seems to be a very deceptive practice to delay a customer from paying off a loan to increase interest income.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: JH Portfolio Debt Equities, LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
JH Portfolio Equites place an un verifiable debt on my credit reports in XXXX 2016. I filed a complaint and they said they would remove It via my Consumer Financial Protection Bureau # XXXX in XXXX. It is not XXXX and this still has not been removed. I sent a notice to the XXXX credit bureaus and they all said that in XXXX and XXXX 2016 JH Portfolio Debt Equites confirmed and verified this debt. I called the week of XXXX XXXX 2016 and told the Rep and she told me there was nothing she could do and that there was not letter they would provide me to send to the credit bureaus. This is in violation of my rights.

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 2015-07-02
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
There is an incorrect address listed for me on my credit report. It is the address of my lawyer XXXX XXXX who was my attorney for my XXXX case. The incorrect address that should be removed is XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX. This is showing on my Equifax report.

Company response to consumer: Closed with explanation