BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-25
Company: Fay Servicing, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold to Fay Servicing at the end of XXXX XXXX XXXX XXXX XXXX. Our mortgage was with XXXX XXXX prior to this transaction between the two companies. As of XXXXXXXX XXXX statement with XXXX XXXX we were current ( this documentation was provided to Fay servicing. ). XX/XX/XXXX was our first statement from Fay Servicing. Our first statement from Fay Servicing showed that we owed {$4400.00} ( which was not correct. ) On this statement they indicated we did not pay our mortgage payment with XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. I reached out to my attorney & we provided proof ( statements & cashed check images ) of payments for every payment they claimed we did not make. 

On XX/XX/XXXX I received a Notice of Default from the XXXX XXXX XXXX dated XX/XX/XXXX. This letter stated that I was in default for not paying our 3 regular payments from XX/XX/XXXX - XX/XX/XXXX. We again provided poof that those payments were in fact made. 

Since I am in XXXX Fay servicing will not talk to me directly without a letter from my attorney. I communicated all the requirements for that letter to my attorney which they have sent three consecutive times. Fay Servicing claims they have not received those letters or has denied them. I have confirmed with both parties, XXXX that all the information was correct & the email address Fay Servicing provide me was accurate ( XXXX. ) They have made it impossible to resolve this matter and have no grounds to claim we are in default or file a Notice of Default with the courts. 

I will be happy to provide any and all documentation showing all payments they claim have not been paid, are in fact paid. They have seen all these documents via my attorney & instead of resolving the matter have continued to send us bills and letters from their attorney. It is harassment & deformation at this point. 

I also would like to note they have XXXX star reviews on google all claiming very similar instances. It seems they have already been fined several hundreds of millions of dollars for these types of practices. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -XXXX XXXX XXXX XXXX  15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-07
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
A student loan with XXXX was closed XX/XX/XXXX. The last payment on this loan was XX/XX/XXXX. This loan was granted a forbearance, XX/XX/XXXX, for 13 months, until XX/XX/XXXX. However, XXXX closed the account XX/XX/XXXX, with any reason. They have been unwilling to provided documentation after I requested it. They never stated why the account was closed while the loan was in forebearance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-19
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Went online and paid the {$3.00} requested to have my credit information freeze. Have already completed this process with XXXX ; However, Experian has place many obstacles in my way and making it impossible to establish credit freeze online! Help. 
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 non-monetary relief
Consumer complaint received 2023-09-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
An Escrow Analysis statement was posted to my online account. As part of the Analysis SPS stated thqat my property insurance annual cost was now {$4900.00} however my property Insurance cost through XXXX is only {$3200.00} annual thus SPS is over charging me pwer theanlysis {$1600.00} annual more than the cost of my insurance. in Doing tthis they increased my monthly mortgage payment from {$3300.00} per moonth to {$3500.00} which is simply overcharging me I want this fixed immediately as its overcharging me a significnty amount of moneya $ XXXX  monthly increse cost equals {$2800.00} which is even more per month in cost than the $ XXXXfalseincreasein the premium for our propert incurance. All of this is just crazy as again my property insurance bill annual is {$3200.00} I haveattached a XXXX of my XXXX annual homeowners insurance policy premium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-06
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NY
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
Bayview Loan Service is restrained from collecting this alleged debt. I do not have a mortgage. Bayview in Florida State is retrained by court order XXXX. Bayview Loan Servicing is in XXXX XXXXXXXX XXXX XXXXXXXX XXXX. XXXX XXXX FL. An Attorney in NY State has been commencing actions againt me wrongly. I do not owe this money. If this continues then Bayview Loan Servicing XXXX XXXX FL is in violation of Supreme court State of New York court order sated XX/XX/XXXX and prior XXXX with XXXX  XXXX another restraining order entered by the court. Attorney XXXX, changed names pleadings captions and continues to commence actions against me when I never had a mortgage and does not represent Bayview Loan Servicing FL. by filings forged notes. I reported 12 forged names, different names and different notes. filed my XXXX wrongly. I duly had this action barred, dismissed with prejudice. 
I demand this New York lawyer honor the restraining order by the supreme court that was entered duly, XX/XX/XXXX and in XXXX. The man flat out lied, created fraud docs. and and 7 YEARS of litigations and me having this alleged mortgage debt barred and restrained more than once, Mr. XXXX attorney after being DENIED a third les penance on my property, wrongly filed with the clerk of XXXX XXXX near XXXX XXXX dollars of liens and mortgages in his name personally using an unsigned order to show cause that was denied to XXXX by the court. 
I want MrXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY is the alleged " bayview Layer '' Bayview told me in XXXX they are restrained by court order, Mr XXXX must be sanctioned or fined, investigated, prosecuted for abusive discovery, fraud upon the court which I did prove of the passed 7 years on motion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: EQUIFAX, INC.
State: MT
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:
EQUIFAX HAS FAILED TO REMOVE FRAUDULENT INQUIRIES ON MY CREDIT. XXXX  AND XXXX  HAS FIXED THE ISSUE, WHAT IS TAKING EQUIFAX SO LONG? IT HAS BEEN OVER 60 DAYS AND NO RESOLUTION FROM EQUIFAX. I HAVE NOT EVEN RECIEVED ANYTHING IN THE MAIL. I AM REQUESTING ANOTHER INVESTIGATION AS I HAVE NOT RECIEVED ANYTHING BY MAIL AND THE FRAUDULENT INQUIRIES ARE STILL REPORTING. I HAVE ATTACHED MY IDENTIFICATION AND ID THEFT AFFADAVIT PACKET.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: MS
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 and have seen items on my credit report that is not mine with XXXX  XXXX XXXX  and XXXX XXXX XXXX. i have filed a complaint with FTC for identity theft and need these items to be blocked per 15 usc 1681c-2. they are reporting on all 3 CRA 's i have attached documents below

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-20
Company: EQUIFAX, INC.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account. I have consistently made timely payments in the past, and it is unfair for me to be penalized for something that is not my fault.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: Westlake Services, LLC
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This was not sent in error ako ay isang consumer by law at ang information ko ay na misused at ngayon I have some false at not 100 % accurate sa credit ko. Unauthorized use of my credit report. 

Here again is the incorrect information being reported : FDCPA Section 807 Violation Misleading False Reporting Account Number : XXXX This Account is inaccurate and I'm seeking litigation. Please delete at once.

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 2015-10-01
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen did an escrow analysis and decided to increase escrow payment {$38.00} per month, payment increase notification was not received so next month payment ( {$1400.00} ) was sent out and received and NOT applied to mortgage, it was kept in an ocwen suspense account after they took their fees. Loan was then reported as 30+ late for 4 of the next 6 months, causing a large drop in credit score. Additionally, another department in Ocwen was prompted to check the property since the payment was not reported as paid, had an adjuster visit the property for inspection. Adjuster went to the wrong property, took pictures of the wrong house and reported the property vacant. Ocwen received this report, without looking and noticing that the mortgage payments continued to be paid, reported the property vacant to homeowners insurance and requested the policy be cancelled. Policy was cancelled and property was put at risk being uninsured for several months - meanwhile Ocwen continued to receive monthly mortgage payments from homeowner ( no payments were ever missed nor were any payments ever late ) This is even evidenced on Ocwen 's site. Homeowner finally became aware of the issue when Ocwen sent a letter informing that a new insurance policy was needed for the property. Now homeowner had to buy a " non-preferred '' policy as there was a lapse ( without any notification ) and has collateral damage with an approximate XXXX point drop in credit score which negatively impacts the ability to refinance the home, etc. On top of all of this, the Ocwen escrow appraiser did another analysis and found the escrow account to have a {$1000.00} overage just XXXX months after this all started and sent a refund check - clearly stating that the starting event for this entire issue was A MISTAKE. Homeowner has had hours and hours of frustrating calls and sent several letters to Ocwen and Ocwen 's ombudsman office who have failed to repair any of the consequences - they sent a letter to the XXXX bureaus stating that the account was in fact never late in payments but that does n't NOT restore the credit score or repair the financial damage. They continue to send letters stating they are " reviewing the problem ''. They have no incentive to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This particular debt was reported on my credit report as collections there was no attempt to contact me. 
According to Indiana law, I.C. 32-31-3-12 the company is legally obligated to send a letter to the renter stating all itemized damages claimed by a landlord along with the security deposit not more then forty-five ( XXXX ) days after the termination of the rental relationship to the forwarding address provided by the tenant. 
That forty-five day grace period has exceeded and I have not yet received any notification. Therefore the company claim is false. I would like this item to be removed from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report.

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-04-22
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I noticed theres a charge account listed in my profile, but I was unaware of that until now. I dont remember opening this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681 : XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXXt Account XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX Account # XXXX, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 604 A Section 2. Also states a consumer reporting agency can not furnish an account with out my written instruction. 

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, 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:
Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
The 3 Credit Bureaus are reporting inaccurate information on BANK OF AMERICA ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

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 2022-12-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/22 a check of the mobile banking application provide by citizens bank via the XXXX  play store indicated that a transaction on hold would cause an overdraft. Transferred {$55.00} from a citizens bank savings account to cover the transaction. 
Checked mobile banking application at XXXX on XX/XX/22 and noticed that the hold processed and additional transaction had occurred placing account in negative again. I made a cash deposit of {$47.00} at a citizen 's bank ATM at XXXX EST bringing the balance to XXXX. 
I checked the mobile banking application at XXXX EST and account balance was showing XXXX but no additional fees or transactions were listed in the transaction summary screen, the document center, or other communication methods from Citizens bank. 
Attempted to resolve this conflict of balance to official presented information from citizens bank. I was informed there was no way to resolve this discrepancy in their system until the automated systems processed at close of business today.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-22
Company: Nelnet, Inc.
State: AZ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To Whom It May Concern : On XX/XX/XXXX, I received a letter from XXXX XXXX Firstmark Services ) stated that my student loan ( Account # XXXX ) was paid off in full. To my surprised, I logged on to my account and found a very messy situation, which I have been dealing with since then and still unsolved, which resulted in this complaint. 
I have spent countless hours on XX/XX/XXXX,. XX/XX/XXXX, XX/XX/XXXX ( twice ) trying to resolve this issue. XXXX mistakenly paid off my student loan in XX/XX/XXXX and reversed it ( according to the transaction history online ). It stopped collecting the automatic monthly payments/ withdraws from my bank account. I didnt know about this until I received that paid in full letter. I have tried to rectify the issues with the company but they are unwilling and un-caring about owning their mistaken. From the latest telephone conversation, one of the manager XXXX XXXX XXXX promised that she will make sure all things were taking care of my issue was about the credit reporting. I received emails and calls from Firstmark Services about my late payments, which only happened after I contacted XXXX about the pay off in full mistake. The late fees of the XXXX months were also added into my loan amount. This is fraudulent! 
I received notification from my bank stated that my XXXX  scores had changed ( dropping by XXXX points ). I requested and received the credit report from XXXX ( XX/XX/XXXX ) and found out that XXXX had reported the 2 months late payment. I emailed XXXX and asked them to retract this reporting because of their mistake of paying-off the loan. XXXX refused to do so, stating their reporting was correct. This affected my credits and ability to make plans for financial decisions. 
This is a very frustrating experience with XXXX XXXX Firstmark Services. It made a mistaken and refused to make correction, as a result, the consumers are suffered. It is a fraud to consumers and irresponsible as a business practice as a financial institution targeting consumer like me ( perhaps, XXXX profiling because of my name that is un-Americanized ). Especially, after multiple attempts to result this issues and XXXX still refused to fix the issues. It is predatory practice. I wish the companys practice methodology to be investigated and hold accountable for their wrong doings to consumers. 

Thank you time and assistance in this matter. 
XXXX XXXX

Company response to consumer: Closed with explanation