BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-28
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We received a letter of " Notice of Servicing Transfer '' from XXXX XXXX XXXX XXXX # XXXX ; # XXXX. XXXX XXXX XXXX XXXX, XXXX PA XXXX XXXX XXXX XXXX XXXX, dated XXXX XXXX, XXXX that they were no longer collecting payments, effective XXXX XXXX, XXXX. 
Fay Servicing LLC NMLS # XXXX as your new servicer, will start accepting payments received from you going forward ( account # XXXX ). We received our first statement from Fay in XXXX XXXX, with a balance of {$660.00}. On XXXX {$400.00}, XXXX {$500.00}, XXXX {$430.00}, XXXX {$340.00} were all drafted from my XXXX XXXX XXXX checking account XXXX XXXX. 

We received statement from Fay Servicing for the months of XXXX, XXXX, and XXXX, which did not show the payments being properly allocated to the account. The amount owed, instead of decreasing, was now increased from {$660.00} to {$2300.00} to date. 

I, XXXX XXXX started making telephone contact with Fay, dating back as early as XXXX when i realized the payments were not being applied properly. In XXXX I attempted to speak with XXXX XXXX ( numerous calls and voice messages left ), XXXX XXXX XXXX XXXX 's manager ), XXXX XXXX ( on XXXX XXXX ), or anyone else for that matter with no success. My wife attempted to call on a conference call with her attorney ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX, and was given the assurance that the corrections would promptly be made to the account. 

At this present time, Fay Servicing has now locked me out of my account, not allowing me to make anymore payments. They have also began pre foreclosure proceedings against my property at XXXX XXXX XXXX, XXXX GA XXXX. 

I have enclosed all documents to support my disclosures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: EQUIFAX, INC.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Second request : I submitted a request for collection agency XXXX XXXX, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said XXXX XXXX is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08
Company: EQUIFAX, INC.
State: CA
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 demand the deletion of the fraudulent inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX  XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 5. XXXX  XXXX XXXX  XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) 6. XXXX XXXX XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 7. Us Sm Bus Admin Oda on XX/XX/XXXX ( Reported Identity Theft ) 8. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft ) THE UNVERIFIED AND INCORRECT PUBLIC RECORD ITEMS BELOW SHOULD BE DELETED : 1. Chapter XXXX Bankruptcy Discharged. THIS ITEM DOES NOT BELONG TO ME! 
Reference # XXXX. 
Inaccurately posted on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: U.S. BANCORP
State: MN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
We lost our home to fire XX/XX/XXXX. The insurance funds are with US bank as our mortgage company. XX/XX/XXXX Check Received We sent all of the information they asked for and we eventually received the first draw of {$100000.00} to start the house. The frame was already up as the contractor is local and knew we were serious. Once the house was about half done, the contractor asked for another draw of aprox {$100000.00} as that would be the next draw amount. 
US Bank denied the funds without calling us to let us know. When I contacted them a couple of times they said it was under review. I had no way of knowing it was because they didn't have the floor plans. In the property loss draft file it showed " reviewed and valid ''. 
The sorry I received is just not enough anymore. I need a home for my kids. 
I have asked for a supervisor to call me several times and I only once got a call from a supervisor. Her name is XXXX. Now when I call and leave a message for XXXX to see where we are at, she will not return my calls. 
The contractor has now had to stop work as he does not have the funds to cover what was already put on the house and the rest of the supplies needed to finish.

We have not been treated very good by US bank and none of this was our fault. I feel like we are being victimized again. They have all of the control of our funds and we are left to wait for them to fix their issues with communication.

I have attached a copy of the flow sheet on how to request funds and if needed I have records that we have done what they have asked. It just takes time to gather. 
We are sad and this is starting to really take a toll on my family. The kids have had alot to deal with in this past 2 years. I have records from my boys XXXX counselor that say this drawn out process had made it worse for my XXXX year old XXXX. 
PLEASE TAKE THIS SERIOUS. We need to finish our house. The only reason we have not had our lawyer start anything is because we are worried about the repercussions from US Bank. We don't want to make this process any longer.

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 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PR
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:
My identity was stolen I send a dispute to Transunion for the accounts and they still reporting this account Dept Of The Treasury File Number 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 2017-04-10
Company: CAINE & WEINER COMPANY, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The original creditor reported that I was married, which sky rocketed my insurance premium. They never sent any information so I can defend the dispute. As a result they placed a XXXX account in collections on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX, XXXX, experian, has reported a fraudulent account on my credit report

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 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
XXXX, transunion, XXXX, has reported a fraudulent account on my credit report

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 2022-09-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Wells Fargo sends me monthly rent money from my trust. It is deposited on the XXXX of each month into my checking account for use the next month. This rent money is due on the first of each month, with a grace period of five days. They did not deposit my rent money this month ( XX/XX/2022 ). I called my XXXX  officer and she needs a budget form filled out and mailed back in order to continue my payments. This has always been done in XXXX or XXXX each year. This year the budget form was not sent to me and they continued depositing my rent into my checking account. I thought they finally realized that since it is just for my rent, a budget form was not necessary. I tried to tell her the money is needed now, but she just said she will send another form and then hung up on me. I do not want a XXXX officer who is rude and inconsiderate, but one who treats a client with respect and understands and listens. She is quite able to help and deposit my rent money while mailing out the budget form, but refused to even comprehend my stress and in the meantime, I still have no rent money for XXXX. The trust officers name is : XXXX XXXX, phone : XXXX. Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. I would like another XXXX officer. Preferably 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 explanation
Consumer complaint received 2022-09-01
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I paid my mortgage with Shellpoint Mortgage via a wire sent on XX/XX/2022. The mortgage has still not been released with the county, and I have not received my note showing that it is paid in full.

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 2017-08-28
Company: Ocwen Financial Corporation
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFPB and the Georgia Office of the Attorney General have been crucial in assisting and intervening so at the very least Ocwen Mortgage Servicing LLC can respond to their careless accounting methods. I filed a complaint through CFPB : XXXX and thankful to CFPB that Ocwen finally responded after a year of trying to speak and getting the run around with representatives at their company. For the most part, my calls were sent to XXXX and individuals who said or did nothing for my concerns. At the present time, in the belief that the situation had been rectified and resolved, in which I will attach the statement from Ocwen showing thus ; p I received a letter from Ocwen stating that I owe {$3000.00} and that I am in default. This is simply incomprehensible. Their latest correspondence dated XX/XX/XXXX is in complete contrast to their XX/XX/XXXX statement which reflects a credit balance of {$720.00} ( attached ). Once again, it appears Ocwen is not only discriminative and disorderly in practice on servicing this mortgage, but harassing and negligent. They have made calls to my home at XXXX XXXX in the morning in collection mode. I am not in default ; the mortgage payment due on XX/XX/XXXX is {$190.00} per the XX/XX/XXXX Ocwen statement credit which is less than the monthly amount due of {$950.00}. Once again, the credit for OVER payments made to Ocwen over the last year compensate for the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX( partially ). Ocwen needs to check their accounting once again and stop the HARASSMENT and poor servicing of this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Comerica
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX I noticed there was a charge on my debit card for XXXX and XXXX that I did not authorize or reconize. I called directexpress dispute center on the XXXX of XXXX and talked to a employee that brout to my attention it looked fraudulant and sugested I cancell my card and file a report and dispute the charges to start a investigation., so I did. He said I would receive papper work in the mail to fill it out right away and mail back. I had moved during this time and there was a delay in getting those papers turned in. I notified Directexpress by the XXXX XXXX or sooner. I called them several times to make sure I had done everything I was supose to.. On XXXX I received the report saying no error accurred so I called them to discuss the disision with the investigation department and she said was I took to long to reoprt it. since then I found the company XXXX XXXX XXXX and the XXXX XXXX  that have been reported as fraud company with lots of victums like me. XXXX and XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-29
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I went to XXXX XXXX on XX/XX/XXXX to search for a HELOC. I was given leads for XXXX XXXX and for Freedom Mortgage. 

I went to the XXXX web site on XX/XX/XXXX and spent 15 minutes filling out their forms to be told they do n't do HELOCs. Annoying. 

On XX/XX/XXXX I received a call from Freedom Mortgage. I asked if they did HELOCs and they said yes. I specifically asked agent XXXX XXXX NMLS XXXX to confirm this before I gave him any information. He said yes. After wasting 15 minutes on the phone with him giving him information, he tried to talk to me about refinancing my existing mortgage, but said they do n't do HELOCs anymore. VERY MISLEADING AND UNETHICAL. 

And both lenders pinged my credit and I believe have taken it down a few points. 

I find both of these lenders to be mis-leading, especially Freedom Mortgage.

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 2017-04-10
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Afini Did not abide by the fcra .article 623 section 3 ". In general. The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ( ii ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the Truth in Lending Act. ( " I never received any notice of debt or notice of intent to report to a consumer reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: Optimum Outcomes, Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Second request : I submitted a request for collection agency Optimum Outcomes, who says the are collection on XXXX XXXX XXXX. I looked up XXXX XXXX XXXX it shows the location for XXXX XXXX. I contacted XXXX XXXX spoke to regular billing and Physician billing and they are not aware of this company. I asked the Physician billing to look for this amount for {$220.00}. The representative could n't locate it and again gave me collection agencies they used and said Optimum Outcomes is not one. I am asking again this account be removed from all 3 credit bureaus. Also I signed a HIPPA and this account should have never been sent to collection, when I was never contacted about this account nor balance. This is hurting my credit score and I would like this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: SUNRISE CREDIT SERVICES, 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 Report act. 
The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # XXXX XXXX XXXX, Account # XXXX Sunrise Credit Services , Inc, Account # XXXX XXXX XXXX XXXX XXXX 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 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 2019-08-06
Company: CURO Intermediate Holdings
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have contacted the company XXXX XXXX about this debt. I have explained in great detail that this account is not mine. I have had an account w/speedy cash but that account has already reported to my CB report and is a totally different amount. I never had two loans. I was never even notified of this debt. I never received a call nor letter verifying the debt nor advising me of this debt being owed. If I wouldnt received notification of the debt. I wouldve had the opportunity to Dispute it and verify it but being my account. I was not given that fair collection opportunity and because of it. My credit is being ruined. I have been denied housing, and my job is at stake. I would like this debt removed and verified from my credit report. This company never sent me notice. I called them about another account I actually have and never got notice on as well and two months later. They billed this collection to my credit report. NO NOTICE or verification of debt. They never  requested payment or anything. They are very rude and nonchalant when I call their office. I have asked for verification I also filed a Dispute w/credit bureau. Still no verification or update. This derogatory reporting from this collection agency is invalid. I did not take out this big loan a year or two years ago. I would really like to see this handled properly and being removed before causing anymore damage to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/XXXX I submitted a complaint with you in XXXX ; complaint # XXXX,. I received detailed information from you closing the complaint and stating that the item was removed by the collection company, XXXX  XXXX. 
The item is still showing on my Transunion credit report. I spoke to XXXX with XXXX XXXX who stated that they sent information to be removed to all 3 credit reporting services to have the item removed. 
She said to call Transunion, which I did call today ; they told me they did not receive anything from XXXX. 
I called XXXX back, they said they sent it electronically by email to XXXX on theXX/XX/XXXX. 
I need this item removed as soon as possible ; I just keep on talking to Transunion and XXXX with no positive results to have the item removed. 

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 explanation
Consumer complaint received 2019-11-28
Company: Experian Information Solutions Inc.
State: CA
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.

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 2022-09-01
Company: Experian Information Solutions Inc.
State: MI
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:
These two items were a result of Identity fraud that shows up on my credit report as hard inquiries. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 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 2017-09-08
Company: EQUIFAX, INC.
State: IL
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 entire identity has been compromised due to equifax 's lax security. this has led to an inexcusable breach of my privacy and information. my entire life is now up for grabs which has the potential to ruin me.

Company response to consumer: Closed with explanation