BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-06
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
in XX/XX/XXXX we purchased a manuf home and obtained fha financing- to date- tax districts list prop as lot only- manuf home is still listed under previous owners. When i turned XXXX i was trying to apply for over XXXX exemption-this is when i was told they is not home listed on property. I recieved overage check from dovenmuehle for XXXX i contact them to let them know this was a mistake and i send the check back in XX/XX/XXXX this has never been resolved. In XX/XX/XXXX we were contact by attorneys from the XXXX law center asking us if we wanted to modify our mortgage- They asked us to send them all our information, paystubs, bank statement, and budget letter. We were told to send them XXXX mortgage payments and not contact Mortage company since they would be handling the modification. In XXXX is when we found out this was a scam and Dovenmuehle sent us a foreclosure notice, they were not aware of any modificiation. We then tried to work with them thru loss mitigation. We made application and sent them all the required information, in XX/XX/XXXX they asked for updated documents since they were more then 30 days old, then in XX/XX/XXXX, they asked for more, same in XXXX, We kept being put off with a reason that they were not able to clear title- they said there were judgement filed against us, this was not the case- it was that the title did not show subject as real property- at the same time this was all happening, we Received a law suit filed by County of XXXX for unpaid taxes for XX/XX/XXXX on the Mobile home for XXXX this include court fees and was still show previous owners name included in the law suit. We contacted Attorney and were told the only way to not lose home to unapid taxes was to file for Chapter XXXX BK, which we did, the we contact HUD who contacted Dovenmuehle to pay the taxes. They were also told that they needed to file the correct documents to get the manuf home listed as real property. This has never happened. Our mortgage has now been sold to XXXX other mortgage companies since then. Was sold to XXXX then XXXX XXXX and now XXXX XXXX XXXX hold our mortgage- Since we filed BK- no one at any of the mortgage companies will talk to us. We have fallen behind again since our payments have increased by XXXX due to shortgage of escrows. They will not allow us to make any payments unless we pay the full amount. We are just wanted our property to be taxed correctly and able to get a loan modification at a current rate in order not to lose our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, INC.
State: FL
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:
Equifax has repeatedly failed to validate this debt per my request yet it remains on my credit report and continues to have an increasing balance. 

The creditor XXXX XXXX continuously responds to my complaints but have yet to provide my signature on any documents that authorized transport in a ambulance and who the transport is for. Ive continuously in good faith have offered {$100.00} to settle this account regardless of validating the debt because it is hindering my score with their false reporting. They continuously come back with a counter offer that is outside of my budget and still fail to send me the documentation requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX as I was ending the XXXX financials and opening the financial files for XXXX I noticed a mistake on my existing mortgage with Dovenmuehle Mortgage Inc. The loan was originated XX/XX/XXXX with XXXX XXXX XXXX, sold prior to closing to XXXX XXXX. XXXX XXXX serviced it until XXXX, XXXX when Dovenmuehle took over the loan. For various reasons it was not detected that when Dovenmuehle took over the principal balance was increased by {$47000.00} and the interest rate was raised from 4.5 % to 4.99 %. I contacted Dovenmuehle on XX/XX/XXXX. I was placed on hold for almost an hour and then the customer representative, XXXX told me I would have to send all documents to the Research department. I requested to speak with someone who might be able to expedite the resolution to the issue which is clearly their responsibility. My request was refused. I did send all documentation. Note, Deed of Trust, XXXX XXXX 's first and last statement and Dovenmuehle 's first and last statement. I then called again on XXXX and was placed on hold for 30 minutes and spoke with another representative who asked me to resend all the documentation. I told him a had a email reply that they had received my first email. He asked me to resend which I did immediately. I did tell him if I did not receive some form of communication within 24 hours that I would be filing a formal complaint. Which brings us to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: AFNI INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
AFNI is reporting a collection with a balance to my credit report. However I have already paid off this collection and it should not be reporting with a balance. I would like this removed as it is inaccurate and was already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: WELLS FARGO & COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
this has nothing to do with bounced fees. its all about loyalty during a rough time. Specifically I have been a customer of WF for many years without a hitch. that means. I have not bounced and have followed the rules. Even was a victim of unauthorized accounts being opened. All i want is my account ending in XXXX which was closed re opened so i can use it I asked for FREE checks for it and was denied despite COVID and despite my long term loyalty. I also would like FREE plain checks for account ending in XXXX one I have held for many years without a problem and with loyalty. please help me without a script and for once show loyalty. PLEASE I am cynical enough.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-04
Company: North State Acceptance, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
After making my last payment, I was told nothing further was due and that I had a zero balance. Nine days later the vehicle was totaled and my insurance company submitted a check to the loan company for the majority of the loan amount. The gap insurance covered the remaining balance on the vehicle. I called to check on the progress and was told I owed nothing further and to allow the insurance and the gap to take care of the balance. About a month ago, a dealership asked me why I had a repo on my account from North State Acceptance, the loan company in question, and that they had written my account off with a balance due. After contacting North State and telling them the exact same thing Ive written here, they have yet to get back to me after Ive tried contacting them 4 separate times.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-08
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
Experian sent me an email to check my credit report as a new account was added, it was a refinance of a current loan and was fine but while reviewing all I notice one of my old accounts that is over 7 years of is still be reported, this is a breach of the FCRA!! The account was with XXXX XXXX XXXX XXXX aka XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX. I tried to dispute on with Experian but it would not allow me to do so and I also tried with XXXX  and as usual could not get in to do so! I want it removed and all of them fined for misreporting my information AGAIN!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-19
Company: EQUIFAX, INC.
State: OH
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:
The below accounts do not belong to me, I have tried to deal with these companies and they do not remove these items, I never applied for any of these account and I cant even rent an apartment. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$310.00} Account # XXXX XXXX  XXXX Opened XX/XX/XXXX Balance {$1600.00} Account # XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$3200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$2800.00} Account # XXXX XXXX  Opened XX/XX/XXXX Balance {$1200.00} Account # XXXX XXXX Opened XX/XX/XXXX Balance {$290.00} Account # XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$160.00} Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have only looked around at a new home because my current home is being extremely uncooperative. I am a XXXX XXXX XXXX whom works part time making about XXXX dollars less than I was originally making per hour before Covid. That doesnt cover the debt I had finally caught up to and had worked out perfect. I am stressed to the bone and starting to now fall behind on my education because I cant find any form of debt relief I had 110 % under control before recent weeks. I need a home and a place to be able to continue furthering my education but when all these inquiries appear on my credit and destroy my chances of being approved for ANY type of financial help that would allow me to get back on my feet again. I have been unapproved for the amount of a personal loan i would need for debt consolidation. I cant get approved for any financial help at all due to my most recent credit inquiries. Im worried for my future at this point and begging for help. I have individuals looking at my credit report without my authorization and my credit has seriously hit below poor when I have been doing the best I can at setting my payments and bills to ALWAYS be on time. I'm now on the verge of losing everything in my life over something out of my control and consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: Main Street Holdings, 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: Credit inquiries on your report that you don't recognize

Complaint:
I found two different hard inquiries only on my XXXX credit report. I called and informed them that I have never entered their place of business in my life. I then asked for the documents that they had in their possession so I could see for myself. I was told they only had the one because I had submitted an application twice and when that happens they simply change the date on the original. I also asked for a copy and was told to just dispute it with XXXX. The party above with the two hard inquiries was Mauldin Financial SE of XXXX S.C with one inquiry on XXXX XXXX and again on XXXX. 
I was also informed that during this time frame the people I spoke with had not yet began employment there and that all parties who were working during this time frame were no longer employed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: SECURITY FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was told I could leave the payment after hours thru the window box. I left XXXX and they keep calling me telling me that I did not paid, or maybe I left it in the wrong finance loan store. the lady who open in the morning XXXX or XXXX. I did a police report the following day from the security finance loan office and show the police that there is no way I could left it in the other store because the annex to the left its atlas finance and they do not have a window for after hours. and the right annex its a medical supply store, they do not have a window door to drop off the envelope with the money. and they keet calling me during working hours to ask for my payment, and they said that I need to go and give the payment that I have not paid. the security finance in XXXX on XXXX location does not have a camer inside, but the annex they have a camera and It has to be recorded when I passed. XXXX also mention that sometimes people stuck in a stick to get the money out, but thats impossibe.

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 2016-02-23
Company: Wilson, Riley & Associates
State: OH
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
on XXXX/XXXX/XXXX I received a phone call from someone claiming to be from a law firm called wilson riley and associates stating that they were going to be filing check fraud charges and take other types of legal action against me because they stated that i had not paid back the loan. 

I had paid a collection agency a settlement on the original loan in the amount of {$270.00} in XXXX. Upon talking to a representative of the law firm they told me that they had spoken with the collection agency that was told they had no record of my payment and to avoid being arrested and jailed i must immediately pay them. 
They did n't want to see my record showing that i had paid the debt. 

On XXXX/XXXX/XXXX they got hostile and hung up on me when i informed them that i was recording the conversation and that under the fair debt collection act they had to send me a letter in the mail containing information related to the debt that they claim i owe. 

XXXX and riley is not a legitimate law firm or a debt collector and upon further research other people have had similar experiences with these people. 

the number they are calling from is a XXXX michigan number but they claim to be in new york. their number is XXXX XXXX XXXX. 

also on XXXX/XXXX/XXXX they called my brother from another number and stated that they had warrants out for my arrest related to the issue stated above.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: WELLS FARGO & COMPANY
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In XXXX of XXXX we were referred to XXXX XXXX at Wells Fargo Bank for help applying for a home mortgage. We explained that we have a foreclosure in XXXX and credit card debt. XXXX assured we were eligible for a mortgage, emailed a pre-approval letter and encouraged us to begin looking for a home. We found a XXXX home in XXXX XXXX of XXXX, which we bide on and our offer was excepted. We contacted our attorney and arranged for a home inspection. At the time we lived in a rental in XXXX so I flew to Il to see the home before turning over {$1000.00} in earnest money. We paid XXXX for the home inspection and emailed copies to Wells Fargo and our attorney in XXXX. We hoped to close in late XXXX or early XXXX as our lease would end XXXX the XXXX. We checked in with XXXX XXXX weekly and were assured that everything was fine, but at the end of XXXX were told that the underwriters had rejected out application. The foreclosure had to be three years old for us to be eligible for a home mortgage. I question why we were not informed of this from the beginning. We were devastated, our lease was almost up, we had no where to go and our money was tied up in escrow. We requested our money be returned and the real estate agent informed us that she need a formal letter of rejection from Wells Fargo which I requested. XXXX informed me that the letter had to come from the corporate office and had no idea how long it would take to get it. I waited two weeks and called the corporate office my self. The response was quick, the manager called me back the same day. They told me no one had requested a rejection letter on our behalf from XXXX. The letter came the next day and I had my escrow money by the end of the week. I want to know why mortgage agents are being allowed to give out false information. I would like to be reimbursed for the cost of the home inspection ( XXXX ) and travel to XXXX ( XXXX ) to look at home Wells Fargo had no intention of giving us a mortgage for. I understand nothing can be done to pay for the mental anguish this process has cost us but perhaps can learn from our experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-08
Company: Home Point Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had to put my mortgage on forbearance for a couple of months this year, because I had lost my work. When work started again, I was struggling to keep all my finances in order and make all payments on time. I removed the forbearance from my HPFC ( home point financial ) mortgage at XXXX XXXX XXXX, as soon as I got back to work. When I had removed the forbearance, HPFC immediately increased my mortgage payment for what they said, was a deficit in escrow. This, albeit, placed a further financial burden on me, regardless I made my mortgage payment as soon as funds cleared my XXXX ( XXXX XXXX XXXX ) account from the sale of a property. XXXX XXXX XXXX indicated to me that funds were available for use, and so I went ahead with my mortgage payment. When I had learned that the mortgage payment that I made to HPFC was returned on XX/XX/2020, I immediately made another payment ( on the same day ) to them for the same account to correct the error. The payment was accepted on their website, and a green message indicated " thank you for your payment ''. I thought nothing more of it, and heard nothing about it until I received a paper envelope in my hose mail box indicating that my payment was late! I was shocked and immediately logged into my HPFC mortgage account and discovered that my 2nd payment made on XX/XX/2020 was ALSO returned, I didn't know why this would be, as I had the funds in my XXXX account to cover the payment. I called HPFC and inquired why the 2nd payment was returned and they told me that information had been entered incorrectly. I told them that I had made the payment on their website and it went through. They said that it was some type of error and the payment had not actually gone through. 
I want to do the right thing and pay my bills, I am appalled that this error would have been marked negatively on my credit score. This time of COVID is a great financial struggle for all, and I want to certainly be responsible and reasonable. I strongly feel that the error on HPFC 's part should NOT reflect negatively on my credit reports, and I am outraged at HPFC treatment of my on the phone and lack of responsibility. They had told me they tried to call me, but I have received no call from them. They did not email me, text me. They sent a paper letter in the USPS which arrived days after the 2nd payment was made. Also, feel free to call my cell XXXX. Thank you, and please help me. I appreciate your efforts in my behalf

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: DC
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 recently submitted a request for investigation which you refused. I submitted enough information for you to carry out a reasonable investigation of my dispute, since you obviously did not investigate this account thoroughly enough the last time I submitted one. 

If you had investigated properly, rather than use your XXXX XXXX  you would have known, that not only I have never been late on this account, but that I am not sure that the account is even mine though your company claims to have verified this. 

It is at this time that I will point out that in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form through the XXXX XXXX that does not even contain my reasons for the dispute is not reasonable. 

If you do not initiate an investigation regarding my dispute, as is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court. 

I look forward to an expedient resolution of this matter.

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 2022-01-26
Company: Experian Information Solutions Inc.
State: FL
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:
On XX/XX/2022 please be sure to enter dates that all letters were sent. 

I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 
This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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