BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-11-17
Company: Fay Servicing, LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
I have requested SEVERAL times complete, monthly payment history to show each payment, each month for the last 24 months. I have been provided various scribbles which are verified as accurate on my credit report & later changed to cover their sloppy bookeeping. I have NEVER been provided the past 24 months that I am entitled to as a borrower. Im not being treated fairly. My credit is damaged because of the borrower who IS getting the account information and doesnt share it with me! Im trying hard to protect my credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Knight Adjustment Bureau
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Knight Adjustment Bureau misrepresent the amount owed to XXXX XXXX XXXX XXXX. In a phone conversation that took place on or around XX/XX/2018. Furthermore, They falsely claim the debt was {$3000.00} instead of the {$560.00} in clear volaion of the law and FTC guidelines. see https : //www.consumer.ftc.gov/articles/debt-collection-faqs

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-17
Company: Capio Partners, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Capio Partners LLC ( XXXX, XXXX ) https : //capiopartners.com/ is making harassing and intimidating calls day and night. 
I have no idea what they want from me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Collection : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : ALL DEPT OF XXXX/ ED In accordance with the Fair Credit Reporting act, my collections, loans, credit lines and hard inquiries have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

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 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 items of information, other than records of convictions of crimes which antidotes 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.

I demand the collections be removed from my account immediately.

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 2018-08-08
Company: M&T BANK CORPORATION
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
WE RECIVED A LETTER IN LATE XX/XX/XXXX, THAT MY MOTHERS HOUSE PAYMENT WOULD BE GOING UP TO XXXX BECAUSE OF PAST DUE TAXES AND THEY WILL OPEN AN ESCROW ACCT. WE CALLED M & T BANK TO ADVISE THEM NOT TO OPEN AN ESCROW ACCT, THEY HER TAXES WERE BEING PAID MONTLY FOR THE COUNTY, AND ONLY {$98.00} WAS DUE AND WE HAD SENT CHECKS TO THE COUNTY OFFICE TO PROCESS  FINAL PAYMENT ON XX/XX/XXXX. WE WERE ADVISED THAT MT BANK SENT {$220.00}, BUT {$120.00} WAS SENT BACK TO THEM FOR OVERPAYMENT. XXXX ADVISED US TO SEND COPIES SHOWING WE PAY THE COUNTY TAXES. WE DID. IN XX/XX/XXXX, WE SPOKE TO XXXX XXXX XXXX  IN THE MORTGAGE CUSTOMER SUPPORT DEPARTMENT AT XXXX, SHE REVIEWED THE ACCT AND SEEN WHERE WE HAVE BEEN PAYING THE COUNTY TAXES FOR OVER 15 YEARS AND NEVER HAS MT BANK PAID, UNTIL NOW. SHE ADVISED US TO PAY THE {$98.00} TO HER BY CHECK AND THAT WOULD CLEAR THE PROBLEM UP. AND THAT MY MOTHERS ACCT WILL GO BACK TO REGULAR PAYMENTS AND TO WRITE AND ADVISED FOR MT BANK TO NOW OPEN AN ESCROW ACCT, BECAUSE WE PAY THE COUNTY TAXES AND MY MOMS GET A TAX FREEZE ON HER CITY TAX BECAUSE SHE ELDERLY AND XXXX, SO SHE DOESNT HAVE TO PAY THE CITY TAXES. I SENT THE LETTER IN XX/XX/XXXX, AND MT BANK WRITES BACK THEY ARE CONTINUING WITH THE ESCROW ACCT BECAUSE WE THE TAXES FOR XXXX AND XXXX WERE NOT REMITTED TIMELY. THE TAXES IN XXXX WERE PAID ON TIME AND WE HAD ARRGMTS FOR XXXX FOR THE {$98.00} DUE, WE NEVER RECEIVED ANY DELIQUENT NOTICE FROM OUR COUNTY TAX OFFICE BECAUSE WE PAY ON TIME. MY MOM COUNTY TAXES ARE ONLY {$300.00} AND MT BANK IS CHARGING HER AN EXTRA {$150.00} A MONTH. I SPOKE WITH XXXX A SUPERVISOR IN THE TAX CUSTOMER SERVICES CENTER ON XX/XX/XXXX HE ADVSD HE WILL RESEND TO ESCROW. I ASKED TO SPEAK WTH AN ESCROW REP HE REFUSED ADVS TO WAIT UNTIL THEY SENDS A LETTER. I ADVISED HIM IN 15 YEARS WE HAVE NEVER HAD A PROBLEM WITH PAYING THE HOUSE NOTE OR TAXES BUT NOW MT BANK WANTS TO OPEN AN ESCROW ACC WHICH WE REFUSED AND PAY TAXES THAT THEY SHOULDNT PAY. BECAUSE MY MOM GETS COUNTY AND CITY ASSISTANCE AND HAVE BEEN FOR YEARS. ALSO WE HAVE LEFT SEVERAL MESSAGES FOR XXXX XXXX XXXX TO CALL BACK, AND SHE HASNT CALLED PERIOD. ALSO LEFT MESSAGES ON HER VOICEMAIL, AND NO CALL BACK. ALSO LEFT MESSAGES FOR HER SUPVISIOER TO CALL BACK AND NO CALL BACK. MT BANK PREYS ON THE XXXX COMMUNITY AND NEEDS TO CLOSE DOWN. MY MOM HAS BEEN PAYING ON THIS ACCT FOR OVER 15 YEARS AND STILL OWES XXXX. SHE HAS ALREADY PAID OVER {$31000.00} AND WAS ONLY GIVE ABOUT 15K.

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 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 am requesting again in regard to the inaccurate and unknown items on my credit report. There are multiple errors shown in my report. Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct and update these items and fix the negativity. Do so, to comply with FCRA section 611 which requires all reporting to be 100 % accurate. 

CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-07-18
Company: TransferWise Ltd
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
1. My XXXX registered company is a paying customer of TransferWise Ltd. As part of its services to us, Transferwise has given us a bank account in the US with XXXX XXXX 
2. A customer of ours did a wire transfer of ~USDXXXX to our bank account on XXXX XXXX. This amount did not reach us. 
3. Our customer 's accounting section says that the funds have gone out from their bank account into the recipient bank account. 
4. This is an inbound transaction to our bank account via TransferWise. The funds are sitting inside Transferwise systems somewhere and they have failed to discharge their lawful duty in putting the funds into our bank account. 
5. On XXXX XXXX, I contacted TransferWise support with proof of the transaction asking them what's going on. 
6. Since then, TransferWise has been stonewalling and refusing to do anything, absolutely anything, citing " privacy issues ''. 
7. I fail to see what privacy issues are being quoted here. 
8. Imagine this - thousands of dollars have been transferred to us which TransferWise is lawfully required to transfer to our account. Not only have they failed to do that, they are not even willing to look into the matter. 

As a consequence of this, our essential working capital is stuck. We are a software XXXX  startup and we need to make many many different payments for our inbound services. Every day of delay in not receiving the funds from TransferWise means that we are unable to pay our suppliers, which severely hampers our ability to serve our customers, which means we dont generate any revenue - its a massive cascading effect which can sound the death knell to a startup that has just been incorporated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-04
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:
I submitted a request to remove a credit error that is also showing duplicate. This is affecting my credit and I am not able to purchase my home. I have given them over 60 days and 2 requests now with no resolution

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 2020-12-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
In XXXX of XXXX, my wife and I obtained a construction loan from XXXX XXXX XXXX XXXX  to build a home in Michigan. 

In XXXX of XXXX, we began the process of rolling the construction loan over to a mortgage. During this process, there was a delay in us receiving documents from the bank due to the processor not knowing which address to send the paperwork to. My wife and I currently reside in Florida and all prior paperwork was sent to the Florida address. 

In XXXX of XXXX, XXXX XXXX XXXX XXXX  reported a late payment to Transunion and XXXX. 

On XX/XX/XXXX, we contacted the bank and they advised it was their error and corrected it with Transunion and XXXX  who removed it from our credit reports. 

On XX/XX/XXXX, the late payment was removed from our credit reports. 

In XXXX of XXXX, when XXXX XXXX XXXX  reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that was previously removed, reappeared on our credit reports. 

On XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX  who again contacted Transunion and XXXX  who removed it from our credit reports. 

On XX/XX/XXXX, the last payment was removed from our credit reports. 

In XXXX of XXXX, when XXXX XXXX XXXX reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that had been removed twice already, reappeared on our credit reports with Transunion only. 

On XX/XX/XXXX, we filed a dispute with Transunion. 

On XX/XX/XXXX, we notified the bank. 

In XXXX of XXXX, when XXXX XXXX XXXX reported the XXXX mortgage payment to Transunion and XXXX, the late payment from XXXX that had been removed three times previously, reappeared on our credit reports with Transunion only. 

On XX/XX/XXXX, we filed another dispute with Transunion. We did not notify the bank. 

XXXX XXXX XXXX XXXX  advised they corrected the issue with their underwriter and core system that reports to the credit reporting agencies. 

XXXX  appears to have fixed the issue on their end. However, the error reappears with Transunion every month when the mortgage payment is reported to them. Each time this occurs our credit score drops until the issue is corrected.

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 2023-10-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting 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 am writing to request an investigation into potential fraudulent activities on my credit report. After reviewing my credit report, I noticed some inquiries that I do not recognize and believe to be fraudulent. 

See below : -- XXXX -- XXXX XXXX XX/XX/XXXX -- Equifax -- XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
capital one XXXX account XXXX is showing on my credit file i do not wish to be an authorize user on the account. 

delete account from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: BYL Collection Services
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Collection letters were sent by BYL Collections for apartment rental agreement that I was listed as a guantor. I never agreed to or even knew that my name had been used for this. I explained this to BYL and on XX/XX/19 they sent me a bill for XXXX with my adult son 's name and an unsigned Guaranty of Lease document. BYL has nothing in their possession that indicates that the collection is valid. They have not done their due diligence to verify the facts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-06
Company: EQUIFAX, 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:
XXXX XXXX XX/XX/2022 Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX To whom it may concern, Intent to file lawsuit, HIPAA Privacy Violation I, XXXX XXXX, never gave EQUIFAX any verbal or written consent to report anything on my consumer report. No consent is Identity Theft. A copy of the law is attached with this dispute. 

Validation Letter sent to : XXXX XXXX, XXXX XXXX, XXXX & XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX To Whom It May Concern : Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA.

In the event of noncompliance, I reserve the right to file charges and/or complaints with the OCR on your HIPAA violations and appropriate County, State & Federal authorities, the CFPB, XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on illegal collection activities on any account that may be time-barred as well as violation of ARIZONA medical privacy rules XXXX 

XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX -- XXXX XXXX XXXX, & EQUIFAX Did NOT provide me a HIPAA XXXXelease that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. 


As a consumer, I am demanding a deletion of the following accounts as you do not have my consent to furnish anything on my consumer report pursuant to 15 USC 1681b, The following 8 transactions are also against my individual right to privacy : 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 Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2022-12-09
Company: EQUIFAX, INC.
State: TX
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:
In XXXX of 2022 I paid for Credit Repair services to remove negative accounts and hard inquiries that were affecting my opportunity for advancement, such as lending for a home. I became educated on consumer laws, E-OSCAR, Metro2 compliance laws. XXXX of 2022 I have spent thousands of dollars on Credit Repair dispute letters, and little impact on the areas that are harming my credit the most. Charge Offs, late payments, hard inquiries - areas that can be considered illegal. I paid off collection agencies without realizing that the debt was taxable income, that it is illegal for creditors to conduct business in a harassing manner all while the debt had been cleared. Paying debt did not increase my score. Hiring a credit repair service has disputed with the agencies, however they are factual disputes versus consumer laws, metro 2 compliance and a plethora of USC violations. 

I have a XXXX Hard Inquiries from this year alone from XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 - XX/XX/2022 ( none attached to open accounts and not authorized ) I have Late payments from XXXX XXXX / XXXX XXXX Charge Off XXXX / XXXX XXXX XXXX Charge Off XXXX / XXXX  XXXX  Late Payments XXXX / XXXX XXXX  Late Payments XXXX ( disputed still pending )/ XXXX  XXXX XXXX These negative accounts are in violation of Metro 2 Compliance Laws, Fair Credit Reporting Act, Equal Opportunity Act, Consumer Laws, specifically Collections/charge offs/inquiries/collections 15 USC 1681 B ( SECTION 604 ) 15 USC 1681 C-1 ( SECTION 605A ) 15 USC 1681 C-2 ( SECTION 605B ) 15 USC 1666 Correction of Billing errors 15 USC 1681 B permissible purpose of consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-12
Company: MONEY SOURCE, INC., THE
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Had a mortgage with XXXX. No escrow. Property was rezoned to require flood insurance. Purchased same as directed and have maintained policy to XXXX 's satisfaction. No issues, no problems, no escrow. Mortgage was sold by XXXX to new company called The Money Source, or XXXX. XXXX has now told me that my own policy for flood does not fit with or comply with their parameters and that they will need to establishment an escrow account for my property, which never existed under my previous lender. I've been told this is not legal for the new mortgage company to enforce. Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: Finance of America Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/2021 a mortgage application was completed with Finance of America LLC, a mortgage lender, for a property located in XXXX, NJ ( XXXX XXXX XXXX, XXXX, NJ XXXX ). All underwriting conditions were completed within the same business day of the request. The lender made the initial guarantee to close in XXXX. The lender then requested the appraisal company take photos and appraise the comparable properties despite having no authority to trespass onto other properties nor the relevant to the mortgage application for the property. An appeal was made from our attorney as the condition is not relevant given the appraisal amount for the property in question far exceeding the XXXX amount and the property noted in good condition as per appraisal and inspection. Further, the mortgage lender waited until the date of the lock expiration to " find '' another condition as an excuse to charge more closing costs for the purchase. The mortgage broker ( XXXX XXXX, XXXX, NMLS XXXX ) handled business with the male applicant, and only would communicate the same information to the female applicant if directly requested by the male applicant as clear form a discrimination. The company is now requesting business records for any company with which either applicant is involved for the last three years despite business income not claimed as part of the transaction and K-1 forms already provided. Both applicants DTI, income, and credit far exceed the minimum requirement for this and any lender yet are met with poor communication, interrogations, and never ending unreasonable requests. The lender misrepresented and misled the borrowers about their ability to obtain a mortgage with the company, dragging the process out more than 45 days and preventing the borrowers from finding another mortgage company and costing the borrowers undue hardship for time, cost ( appraisal, inspection, lawyer ).

Company response to consumer: Closed with explanation