BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-04
Company: Siggi LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Omni is refusing to send out a payment letter or shown its been paid by third party. They said I had to payback the lawsuit check as well. I just paid over XXXX and they are denying my proof of payment Dear XXXX XXXX XXXX, We received your recent request and need to speak with you concerning your request. Please be advised your account is held with XXXX XXXX XXXX. 
You can reach XXXX at XXXX. 
We may need to verify personal information in order to process your request. 
Thank you for choosing Omni Financial. 
Sincerely, 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  Creditor : Omni Financial XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear XXXX XXXX XXXX We have received our payment of $ XXXX. The account is paid In full Once the funds clear and the proceeds are applied to vour account. vour account will be considered closed For information concerning your account, phone me at our toll free number XXXX. 
XXXX XXXX XXXX. XXXX. 
XXXX XXXX XXXX THIS IS AN ATTEMPT TO COLLECT A DEBT. 
ANY INFORMATION OBTAINED WILL BE USED FOR THAT PURPOSE. 
PLEASE REFER TO REVERSE SIDE FOR IMPORTANT INFORMATION De PLEASE DETACH AND RETURN BOTTOM PORTION WITH PAYMENT. KEEP TOP PORTION FOR YOUR RECORDS. 
Creditor : Omni Financial XXXX Account # : 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 VISIT US ON THE WEB XXXX XXXX by using debit, credit, or XXXX. Please note, paying by credit card is only for select creditors

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-04
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I hereby submit an answer to a lawsuit that is completely baseless. Midland Funding LLC is currently defending against several class-action lawsuits nationally. The lawsuit against me is no different as the original debt in question was never legally transferred from a securitized trust, thus there was never a transfer of ownership. This continuous problem is all predicated from the 2017 Supreme Court decision XXXX XXXX XXXX XXXX XXXX XXXX. The lawsuit against me must be dismissed by the Midland Funding LLC lawyers XXXX, XXXX XXXX XXXX, XXXX, a law firm that has already been penalized by the CFPB for filing abusive collection lawsuits in New York and New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
Company: Experian Information Solutions Inc.
State: MA
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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2021-03-05
Company: JPMORGAN CHASE & CO.
State: AK
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:
JPMCB has several inquiries listed on my credit report dated XXXX/XXXX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I do not know what these are for as I recently went through chapter XXXX bankruptcy and have not applied for any credit except for a car loan through my bank. I did have power of attorney for my stepdad and mother, including their legal finances, and I shared an account with them. I am wondering if somehow these inquires where made by them for their accounts without my permission. They both passed away last year in XXXX so I have no way of knowing, but I do not have, not have I had anything with Chase bank since the bankruptcy. I asked about these and was told they would not remove them. If I did not make the inquiries with my permission or knowledge they were being made, then how is that right?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: WELLS FARGO & COMPANY
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bought my home at XXXX XXXXXXXX XXXX  XXXX XXXX NV XXXX in XXXX Financed by XXXX XXXX XXXX of New York. 
In XXXX I had a rep from Wachovia   come over to offer a refinance, I did not except the offer the tried to give me an adjustable loan. I said only a fixed loan with my insurance would do. He said he would be back with the changes, I never saw the Wachovia rep again. 
About 30 days later I received a check for {$50000.00} dollars, I contacted a real estate attorney and said I didn't accept the offer he said to contact Wells Fargo, They had no information, about 30 days later I received my title to my home, a 1st and 2nd title from XXXX XXXX XXXX they said they had no information on who the title was to be sent to so they sent it to me thanking me for paying off the loan and having a on time payment history and to put the titles in a safe place. I also filed a warranty deed. 
Wells Fargo called and said they want my home but have know documents or information on my home. 
My attorney said my home was mine that the banks where having a feeding frenzy and gave me a gift. 
At this time Wells Fargo, Wachovia and an XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and that's when Wells Fargo took over Wachovia mortgage as well as Wachovia had lost most titles, In XXXX a lady cam to my door and said she bought my home in a auction. 
I told the lady I have all my titles to my home. I went to the recorder 's office to pull the paper work and the documents Wells Fargo filed to steal my home were blank documents stamped by a notary by the name XXXX you. Wells Fargo also produced a manuscript explaining to their reps on how to steal homes. I have all my documents and every paper on my home. I want {$750000.00} dollars for the crime they committed all the money I paid all the marble work in all 3 bathrooms and all the pain and suffering they caused my family, and at {$750000.00} dollars they still made XXXX  on my home. Thank you for your concern

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 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I contacted XXXX and Transunion by certified mail indicating that an old derogatory account with XXXX XXXX XXXX XXXX was not only inaccurate but also outdated. The accounts should have been removed as it exceeds the statue of limitations, and both are reporting inaccurately. 

On Transunion the account is listed as a chargeoff last active XXXX is a XXXX XXXX XXXX XXXX account XXXX 

On XXXX the account is reporting as derogatory with last date of activity as XX/XX/2017. This is a XXXX XXXX XXXX XXXX account.

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 2023-11-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting 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 taken advantage of due to malpractice, while several laws were being broken under the FCRA by your company. This has caused me incredible financial injury, it has caused me defamation of character, caused me to be denied a job, and I can not apply for credit because of this. It has seriously hurt my ability to obtain credit.

Company response to consumer: In progress
Consumer complaint received 2022-05-03
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2022, I 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 taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days 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 should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the 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 2023-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : 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

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 2021-03-05
Company: Selene Holdings LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Selene Finance taught me the lesson very clear. If there is a issue only CFPB can help. I have been reached out to them about the statement issues 5 time and nothing is done. After filling the complaint with CFPB at least there is some movement even Selene Finance is still not providing the right service to my mortgage. 

My mortgage payment was {$1500.00} for more then a year before Selene Finance took over. 

The first coupon Selene Finance sent me has the same payment amount {$1500.00}. Please see attachment 1 for reference. 

Which I have been sending the {$1500.00} payment for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. This {$1500.00} should be break down as Principal, interest and {$290.00} for Escrow.

Selene Finance dropped the Escrow which should be included in the monthly payment from {$290.00} to {$60.00} without any agreement with me. They also mark my Escrow Balance as - {$410.00} on the statement date XX/XX/XXXX. Please see attachment 2 for the reference. 

I am not asking Selene Finance to provide me any special assistance but just the right service.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-06
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
In XXXX of XXXX, Quicken Loans closed a cash-out refinance with us. We signed our closing documents, funds were disbursed to our account, and we were scheduled to make our first mortgage payment in XX/XX/XXXX. 

In late XX/XX/XXXX, we became aware that our prior lender XXXX XXXX XXXX XXXX  had not been paid off. 

We have been cooperatively working with Quicken Loans toward resolution of this matter for the last six weeks, and theyve been giving us the runaround. 

Most recently, weve been pressured to move forward with a second refinance. The loan figures do not appear to be accurate, and the terms of the proposed refinance do not seem fair. The proposed refinance includes costs for interest incurred on funds that Quicken has held since the beginning of this process and late fees assessed on a loan that was never completed while weve still been making payments to our current lender, XXXX XXXX XXXX XXXX. 

We feel that Quicken Loans has been mismanaging this resolution process, and has arguably been deceptive in their approach to fixing their mistake. 

We have spent countless hours on the phone, reviewing documents, identifying errors, and requesting corrections often to no avail. 

More details are included in the attached document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent inquiries from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-04-02
Company: Experian Information Solutions Inc.
State: MD
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:
Experian has been notified by the US Court Bankruptcy was filed and all the accounts listed were included in discharge- Experian has XXXX accounts still open and not closed and XXXX out as the law requires. 
They sent a email saying the are updating nothing it remains/ this is illegal- clearly they were all informed

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 2021-03-21
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the third complaint we have filed. This one is in response to complaint : XXXX as I was not able to respond via the online tool I am presenting a new complaint. 
In XX/XX/XXXX Community Loan Servicing responded to complaint XXXX but did not have the most accurate information regarding our loan modification and subsequent subordination of title to finalize the loan modification that should have been completed in XXXX of XXXX. 

1. The Broker Price Opinion provided in their response was NOT an appraisal. ( See attached document that was sent in Community Loan Servicing response ) ( 126 pages of excuses that are not accurate ) This document was sent to us ( XXXX XXXX XXXX XXXX ) by Bayview Loan Servicing and we sent it to XXXX. 
2. XXXX ( XXXX XXXX ) responded that the Broker Price Opinion was not sufficient and XXXX sent an email to Bayview with the correct documents required. ( See Attached email ) 3. I have reached out to the individual who did the appraisal that was/is required to finalize the subordination of title ( XXXX XXXX - XXXX XXXX ) and requested a copy of the appraisal he did in order to expedite the subordination process to finalize the modification of loan. XXXX 's response was that he CAN NOT send the appraisal to us as it was ordered via XXXX by Bayview, Bayview, now Community Loan Servicing has to send the appraisal they got from the XXXX to XXXX along with the other documents that were requested in the email from XXXX XXXX ) We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. 
We are asking that Community Loan Servicing finish the original loan modification and have the title subordination completed in order to complete the loan modification. 
Basically do the job they are getting paid for. It has been over 2 years since this began for us and to this date Community Loan Servicing has not held up their end of the process, giving excuses after excuses and not returning phone calls. 
We spoke with XXXX, a customer service representative on XX/XX/XXXX who sent an email to XXXX XXXX and his supervisor XXXX XXXX - we were told we would receive a call regarding the loan modification and to this date have not heard from Community Loan Servicing via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My property was refinanced shortly before XXXX property taxes were due in XXXX The new mortgage company ( XXXX XXXX XXXX XXXX paid the property taxes ( {$1300.00} ) and so did the old ( New Rez ) mortgage company. The check from the new company was honored and the New Rez payment was returned to them. My loan number with New Rez was XXXX. 
I have contacted New Rez on several occasions ( 12 times or more ) prior to XX/XX/XXXX regarding the overpayment of tax money and how and when they are going to refund it to me. They responded that they have a separate company from New Rez that handles the tax payments. They say they are unable to get a response from this company to verify the returned tax payment. 
This has been going on since XX/XX/XXXX and still no refund. It appears that New Rez does not want to refund the unused tax money to me. This is a VA loan and actions should be taken to correct this situation immediately. 
Thank you for your prompt attention to this matter. 
XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-22
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:
I have disputed this collection multiple times. I have asked for paperwork saying that I owe the debt. I sent debt validation letters as well and I never received a response from this company. I see where on my credit report it says disputed by consumer. I have never visited or have been cared for by a doctor in Texas. 
The amount is {$910.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-15
Company: SLM CORPORATION
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I co-signed my daughters college tuition loan, since her father couldn't and she needed the money for school. Before completing her first year, she dropped out of school. The loan is being repayed by my daughter, myself, and her father. Our personal agreement is that we split the loan into 3 payments.

I am about to make a large payment ( my portion of the loan {$5000.00} ) and we are trying to request that I be removed as co-signer on the account, since my daughter does work full time, has her own apartment and is basically taking care of herself. I am in the process of paying off all my outstanding credit as I am going to begin looking to purchase a new home.

One of the questions on the co-signer release form is asking if we are providing her diploma or a certificate of completion. When calling into  Sallie may and talking to XXXX, she advised that if we do not provide this that they will decline removing me as the co-signer for this loan. 

How can she provided this information if she quit school? How is this fair to the consumers? Why is Sallie Mae not allowing the primary applicant to remove the co-signer at their own request. 

I want to be removed from the loan as a co-signed, but Sallie Mae is refusing to do so. 

Is there any help I can get with this, as the practices seem a little fishy and I believe this is out of scope with government guidelines regarding loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: EQUIFAX, INC.
State: SC
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 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 a 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 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 response to consumer: Closed with explanation