BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-25
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
The mortgage servicer Fay Servicing , LLC obtained my loan from Caliber Home Loans on XX/XX/XXXX. Prior to servicing transfer to Fay Servicing , LLC, I was in the process of getting a XXXX modification. 

Fay Servicing , LLC refused to honor the in-flight transfer of the XXXX modification in process and required me to re-apply. 

Fay Servicing , LLC required me to re-apply and in XX/XX/XXXX I was denied. The stated reason for denial was ( excessive modifications ). However, when asked for guidelines in reference to the maximum modifications allowed, Fay Servicing , LLC could not provide them. 

Fay Servicing , LLC continued to move forward with the foreclosure process while suggesting that I was being considered for a modification. Fay Servicing , LLC representatives have stated I would not be approved if I applied again and suggested that I do not apply as I would be wasting my time. Fay Servicing , LLC would not review any further applications for assistance. 

The actions of Fay Servicing , LLC are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance options. This practice violates federal law ( 12 C.F.R. j 1024.41 ) ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of XXXX, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. 

Fay Servicing , LLC has established a history of misleading practices pertaining to CFPB guidelines and the Dodd-Frank Act which I have detailed in a Qualified Written Response and a Notice of Error dated XX/XX/XXXX Lastly, I have a ratified contract to sell my property on XX/XX/XXXX. I have provided the requested information to Fay Servicing , LLC. This would pay Fay Servicing completely off and allow me to receive funds to move on to a new residence. Fay Servicing is denying the request to postpone and allow me to sell the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is 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 2015-09-28
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Nationstar Mortgage which I refinanced elsewhere. I had to complain to get all of my escrow refund, but they finally sent a second check. Now, I am reviewing the statements from them and doing an audit and I find that they XXXX paid my PMI in XX/XX/XXXX. 

I am attaching the annual escrow statement dated XX/XX/XXXX showing the previous year 's payments, which shows they paid PMI in all 12 months ( no skipped payments to be made up later ). It also shows an ending balance of XXXX. 

I am also attaching the last escrow statement dated XX/XX/XXXX which strangely shows a beginning balance of XXXX. That statement goes on to show XXXX payments for PMI were made on the same day XX/XX/XXXX. 

When I called them they said the second payment on XX/XX/XXXX was to make up for a missed payment in XXXX. The problem with that is the statement says there was no missing payment, in XXXX or anytime in the year. 

They then tried to explain that the Annual Statement is a projection and not actually what was paid. This is again ridiculous as the statement was issued XX/XX/XXXX but included what they said are projections of what had happened in XX/XX/XXXX? Additionally the statement says the figures are " Actual Disbursements '' not projections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: NATIONSTAR MORTGAGE LLC
State: WI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX we had to refinance our home mortgage due to lose of employment. We went with a mortgage company called XXXX. We were told this was a 30 year mortgage. After a while we kept being sold with my mortgage company always changing. In XXXX my husband pay had decreased. I had to close my business and we fell behind I tried to refinance at that time our bank was XXXX XXXX XXXX they would not refinance and stopped accepting our payments we could afford. My husband became very ill in XXXX of XXXX. We had XXXX childreen move back home and grandchildren. We had to meet a man in XXXX from XXXX XXXX XXXX who had told us to stop paying our payments and then i would qualified for the relief program. After a few months I got a foreclosure notice. I tried to find help and ended up being a victim of a scram. Now I we are working with Nationstar martgage where again I thought we were on a 30 year fixed mortgage that is what they lead us to believe. I was making payments of XXXX every month then in XXXX our loan went up XXXX I did not know this until XXXX when I called the bank to find out how i could be behind. At this time our wages our being garnished for medical bills which is more than our mortgage payment. I tried to explain we could not afford that they said it was due to my escrow. I kept making my payment of XXXX a month which they held and did not put towards loan until they had enough to make the payment so then it looked like I was behind then then two months ago they stopped accepting payment. I have lived in my house for 27 years and always made a house payment except for the aboved mentions. I bought my house in XXXX for XXXX which was paid off in fall of XXXX thats when we went with the XXXX Mortgage company I believe the amount we were financed for was around XXXX. I just dont understand how after paying all these years I now owe XXXX. I have been deciding to give my house back to the bank I found out after checking different options I am not on a fixed mortgage and my current loan is for 45 years. My husband had brought home an article from work thats how I found you. I hope you can help Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Rent Recovery Solutions
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
When looking for apartments to rent, a deposit was paid and kept by the leasing company on a unit with XXXX XXXX XXXX. Decided not to rent their unit because of finding a better offer and never signed a lease or rented a property from this company. I would love to see what information was sent to Rent Recovery Solutions regarding me owing rent to this company that allows them to impact and affect my XXXX XXXX with XXXX proof. I believe both these companies are happy to partake in fraud to attempt to gouge money from easy targets in a XXXX XXXX XXXX This has impacted my XXXX XXXX when currently looking to purchase a vehicle which could cost me thousands in financing due to a completely fraudulent collection account sent. I only recently received a piece of mail on the collections with XXXX other contact about a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
Company: EQUIFAX, INC.
State: GA
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! I am a real person this is not a credit reporting agency helping me I am a human being conducting this transaction personally there are XXXX accounts reporting in XXXX XXXX XXXX and Equifax that are fraudulent! Ive reached out to them directly Several times the past two years! As well as file complaints with the @ CFPB and the Federal Trade Commission Report Number XXXX : XXXX/Equifax/XXXX  have not reinvestigated my dispute nor removed/blocked or complied with the CFPb or the FTC. The last explanation that I got for them not investigating my dispute was they said and I quote we didnt Investigate that is because you maybe had a third-party prepare or help you!?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wanted to add my original contract to my complaint. Showing my payments were XXXX no taxes and no ins. 
We took out an earthquake loan with XXXX. After several years turned it over to ALS. Who after several more years turned it over to Nationstar. The loan did not include Insurance and taxes. My XXXX Mtg holder paid that. XXXX was a XXXX loan. Everything was fine until Nationstar took it over and opened up an escrow. I kept telling them someone else paid taxes and ins. but it did n't matter. About the same month they took over I completed a form so they would not pay insurance and taxes. I faxed it back the same day I got the form in XX/XX/XXXX the same month they started receiving my payments. Then I faxed it again. Then some time later I faxed it a third time. Each time I faxed it I had to send them the orginal with my signature on it. They said they would not just go with a fax. I told them again and again that XXXX was my payment that cover principal and interest. They insisted opening an escrow account, takeing part of my payment, part of the XXXX and placeing into an escrow acct. This would leave my payment short and they then said I did n't make the payment. This went on for 3 years. They kept telling me I was late and payments were due. All along I paid the whole XXXX and no payments were late. They added late payments onto my account. They told me I had to pay XXXX which I did above and beyond my payments. Then I paid more money above and beyond my payments, which I did. Then the company wrote me a check, then again, and again. I guess they found out I was not supose to have the taxes and insurance taken out and started refunding the money in my escrow acct. Instead of putting the back with my payments. All along telling me I was not makeing my payments. I sent them back XXXX checks in the same amount of the checks they sent to me. I called and explained. what the checks were for. They still have me late on my payments of over {$1500.00}. No one of any importance will talk to me ( anyone that could correct the problem ) Everytime I telephone I get a different person, they are on a rotory line. This problem will never be corrected. I 'm trying to get it corrected so I can refiance with the people I bank with. They said as soon as I get my credit score up they will refinance. They say they know all my payments were made and on time because I made the payments thru them. But they said they cant turn in a payment application until my credit score is raised. My credit score will not go up until Nationstar corrects the problem they caused. I can reduce my interest rate but not until Nationstar corrects the problem. I will attemp to attach the documents, Im not real good on the computer. My payment is XXXX but my recent payment coupon said {$3000.00} is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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 was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/2022. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Ive already included this report in my previous letter & I am including it again. Also, the information you provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, DE XXXX, XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
XXXX, Transunion, and XXXX are in violation of the FCRA for failing to respond to complaints regarding inaccuracies on my credit report. All three agencies have failed to complete an investigation into the accounts in question within the 30 days allotted as per the Fair Credit Reporting Agency Section 611 ( a ) ( 1 ) ( A ). Failure to respond satisfactorily within the 30 days of receipt of the letter mailed ( which I will attach ) may result in a small claims action against all 3 credit bureaus. According to various articles, these companies have been in violation of not responding to consumer complaints. The latest article I have read dates back to this XXXX XX/XX/2022. XXXX most often promised to open investigations of their disputes and send their findings to consumers at later dates. However, it failed to share the outcomes of its investigations with the CFPB. TransUnion made similar promises and also often failed to meet its obligations to share investigation outcomes with the CFPB. In addition, TransUnion often failed to provide a response in instances where it believed that third parties submitted the complaints, even though the CFPB says that consumers can authorize third-party representatives to submit complaints on their behalf. XXXX often took no action in instances where it believed that a third party submitted the complaint, although it did provide substantive responses to other complaints. All three bureaus relied heavily on automated templates to respond to complaints instead of providing a meaningful, personalized response to the consumer. That's despite having up to 60 calendar days to reply. According to the CFPB complaint database, there are more than XXXX complaints between the 3 credit bureaus within the last year regarding problems with credit reporting. The csv files of these findings will also be attached.

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 2015-09-25
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Nationstar Mortgage LLC, the alleged servicer trying to illegally foreclose on our home, and the subject of breach of privacy complaint, ref CFPB file XXXX, who alleged XXXX to be the " current owner of debt '' on the Notice of Default that it recorded on XX/XX/2015, violates CA Civil Code 2924.17 for lack of proof of this statement. 
XXXX 's EVIDENCE - XXXX has " yet to conduct an investigation on this account '' and requested CFPB on XXXX XXXX, 2015, to extend its resolution date of XXXX XXXX complaint to XXXX XXXX, 2015 ( CFPB case number XXXX ). 

Nationstar 's recorded Notice of Default on XX/XX/2015, therefore, LACKS LEGAL FOUNDATION ... as the ALLEGED DEBT, and ALLEGED CURRENT OWNER of DEBT XXXX XXXX yes " yet to investigate the account ''. Until proven otherwise, this Notice of Default, remains to be UNLAWFUL and thus the resulting TRUSTEE Sale of our home XXXX XXXX, 2015. 

Nationstar also defaulted on XXXX 's Debt Validation ( DV ) Request of XXXX XXXX, 2015 ( relative to Nationstar/XXXX Notice of Debt Validation dated XX/XX/2015- with 30 day to validate debt ; then Nationstar violates FDCPA by recording the Notice of Default two days later, XX/XX/2015, without satisfying DV requirements ). XXXX requested in DV, among other things, to personally view the " alleged NOTE '' - per requirement of UCC 3-501 on presentment. 

Nationstar defaulting on this DV request, in addition to alleged owner of debt XXXX that has yet to investigate the account, renders this NOTICE of DEFAULT of NO LEGAL BASIS, and therefore UNLAWFUL and needs to be rescinded. 

Thank you, CFPB for your URGENT HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-27
Company: Experian Information Solutions Inc.
State: NV
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. 

Account Name XXXX XXXX XXXX  Account Number # XXXX, Account Name XXXX XXXX XXXX Account Number # XXXX, Account name XXXX XXXX XXXX XXXX  Account Number XXXX, Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX, has violated my rights.

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.

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 annotates the report by more than seven years.

15 U.S.C 1681s2 ( a ) ( 1 ) : a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has a 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 non-monetary relief
Consumer complaint received 2022-02-03
Company: Experian Information Solutions Inc.
State: WI
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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2023-05-25
Company: Experian Information Solutions Inc.
State: VA
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:
back on 2017 I came from third world country ( XXXX ) with a limited XXXX, I was buying a refrigerator. that a target employee approached to me and ask me if i want that XXXX XXXX XXXX which is giving us 5 % discount in every purchases. because I never used credit card before I thought it is some sort of coupon, but any way my wife without telling me she has used XXXX red card several times, later on with i find out to solve this issue with target i have visited XXXX customer service a few times but no body help me. they provided me a number that i was calling and with on the line for over an hour and nobody respond. 

please kindly consideration about this mistake, people with no experience it is really hard to understand how debit and credit work, Thanks,

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance : {$910.00} XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXXnquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/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