BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-08
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX at about XXXX XXXX someone from FAY or hired from Fay servicing First of all someone taped a letter to my door extremely early this morning ( it was still dark out ) My security cameras alerted me because the person was lurking in my windows and tried opening my front door. I did call the police as attempted break in. That is when I found this letter attached left on my door. So now that I know it was someone from Fay I suggest you know that there has been a police report filed and security camera footage given to police. I do not know what you think you are doing. The letter also states that you tried to contact numerous times and that is also false and the letter dated XX/XX/XXXX and put on my door XX/XX/XXXX and mortgage is not even more than 3 days late on XX/XX/XXXX. I have zero missed calls from Fay and I have only received bills from you. You should let us know what creeper you sent to my house and my hidden cameras caught them. So if Fay is going to stalk my home then you will have problems.They put letters on my door with lies. This stalking me, I keep records of everything and whatever courier or employee you used is a creep and I will press charges. I was petrified at a break in. My niece and nephew were in the home and this is dangerous. And even as of today on XX/XX/XXXX I am am 38 days late and will be making a payment within the week. I have also had nothing but issues since they took from XXXX. They were attacking me and not sending out information. They did not even record until XX/XX/XXXX and were harrassing me in XXXX and somehow are missing a payment from XXXX which has caused the late issue. Then this morning I sent them an email after this debacle at XXXX XXXX. Then at XXXX XXXX This XXXX XXXX emailed me saying she has not heard from me for awhile.Which is just a generic email and she obviously is just trying to look like she is doing her job while not even acknowledging the email I sent her 6 hours prior. All I receive from them are my bills and there is no need for any other correspondence. Also I have zero missed calls from them so they are not trying to contact me and as of last month XXXX XXXX was contact not the XXXX XXXX. 

Also their customer service email has never responded to emails from even 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Frost-Arnett Company
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I had XXXX XXXXXXXX on XX/XX/2022. 
My insurance company, XXXX XXXX XXXXXXXX XXXX, communicated to me that my " ammount allowed '' and XXXX XXXX responsibility '' on the EOB is XXXX and patient responsibility is XXXX. That is fair, I pay the top dollar amount for insurance every year. 
I received a XXXX XXXX message that says my XXXX was not medically necessary. This code was changed at some point and that is why XXXXXXXX XXXX paid over XXXX to XXXX XXXX XXXX and my doctor. The issue is how the remaining {$4000.00} should be paid to XXXX XXXX XXXX. My doctor tried to contact my insurance and received no return information. I have paperwork to support this from my doctor. My doctor said that if he could have talked with the insurance doctor, they would have cleared it up. But XXXX XXXX did not respond and I have been unfairly charged {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: EQUIFAX, INC.
State: SC
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 pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17
Company: Square Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
hello, i deposited crypto currency into my XXXX  wallet to exchange into USD with cashapp. when i sent the money they closed my account and arent sending me back the XXXX i deposited and are refusing to get back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
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 a account without my written instructions

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 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
While reviewing the overall credit profile, the XXXX XXXX XXXX XXXX continues to furnish collections on the credit profile. Medical bills were paid from Medical Assistance. Insurance is rendered from the Department 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 2019-04-08
Company: B&F Finance Corp.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
i begin 1 month and the supervisor call me 7 or 9 times a day, i tell i no have money for pay and she call to me reference to tell can i can't pay she send me to court and send text to my reference i can believe she shering everything is confidencial. i call the main corp from the B & F financial and the company not doing nothing and this lady is continue doing. this person is supervisor she is name is XXXX XXXX. And continue let me a paper in my door with information this person she no work with the client, she extorsion   the people : ( : (

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-23
Company: WELLS FARGO & COMPANY
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
They told me to not make payments and go into default. Before they would have helped me. And then they refused to modify and it was to late to catch up and they took my house. Our lives have been in Limbo since. They crushed us and we never recovered.

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 2023-01-23
Company: Experian Information Solutions Inc.
State: CA
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:
I sent a letter asking Experian, XXXX, and XXXX to investigate my accounts. Here is my tracking number : XXXX. It has been over XXXX days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - Experian, XXXX, and XXXX have XXXX days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below. 

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 explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, 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: Account information incorrect

Complaint:
I see that XXXX XXXX ( via XXXX XXXX  ) reported a 30 day late payment to Equifax. I was not 30 days late, per their own statement, of which I have attached for you to review. Equifax ( reported under 1 XXXX ) : XX/XX/2019 payment 30 days late. I was actually late with my XX/XX/XXXX payment, they added a {$39.00} late fee and raised my interest rate so they also added an additional {$15.00} for that. I made the XXXX payment on XXXX XXXX, according to my bank, I was not 30 days late there either. They subsequently waived the late fee. Of course, XXXX won't let me access XXXX XXXX statement, or any of the preceding month 's statements, so that is not included in my attachments. What's important is, my XXXX statement. The XX/XX/2019 payment was due on the XXXX. I happened to be late with that one as well. They added a {$39.00} late fee, plus additional interest, so my past due balance on my XXXX statement that came out on XXXX XXXX, was {$99.00}. XXXX XXXX statement also clearly shows a minimum payment of {$160.00}, that is due on XXXX XXXX. On XX/XX/XXXX, I made the payment of {$160.00}, per their statement. My math tells me there is exactly 28 days between the due date ( XX/XX/XXXX ) and the date I made the payment ( XXXX XXXX ), so I was not 30 days late. XXXX and XXXX statements attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/20 In regards to CARE ACT I was advised my FHA loan that is current was not an option rather I was advised by my mortgage company PPH. I was told by resolution team XXXX XXXX I only eligible for their 3 month forberance offer by phh.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: EGL US, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
BMG MONEY INC Is falsely reporting on my credit that {$7400.00} is owed to them. I have never done business with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: AR
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 have a loan with XXXX XXXX XXXX, and XXXX XXXX XXXX. I have always made my payments on time. For some reason, I realized that there were late payments on my credit report. As you can see, I have always had a stellar payment record with these companies. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate thoroughly and please update for 100 % accuracy. Below are the following accounts with erroneous information : XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2300.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$13000.00}. Under the Fair Credit reporting Act, I am requesting that you correct the disputed accounts to appear accurate information on my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-16
Company: Consumer Adjustment Company Incorporated
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt paid in full on XX/XX/23 in the amount of {$830.00}. I have asked company to update this information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: Experian Information Solutions 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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX Balance : {$30000.00} XXXX XXXX XXXXXXXX Balance : {$0.00}

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 2021-01-17
Company: EQUIFAX, INC.
State: TX
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:
XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1200.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : $ XXXX Late payments should be consistent between all 3 bureaus need to see all bank transactions and statements that belong to this company that would prove my payments were not accepted on time or you need to remove these unverified late payments immediately. 

XXXX XXXX XXXX  XXXX Balance : {$2400.00} - This account is not familiar to me. Provide me with necessary documents to prove its mine. My petition to request this documentation is a standard information petition based on my rights given from the fair credit billing act. If you can not create this data per my civil rights inquiry, please quickly remove this particular invalid post.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: Selip & Stylianou, LLP
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:
Selip and Stylianou, LLP sued me and obtained a judgement on behalf of a creditor who has sold the debt to a third party. I was not properly notified or given the opportunity to respond to the suit. They are now attempting to garnish my wages on behalf of a creditor that no longer holds the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: EQUIFAX, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$46.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXX Balance : {$700.00} XXXX XXXXXXXX XXXXBalance : {$1800.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXXXXXX Balance : {$46.00} XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXXBalance : {$1800.00} XXXX XXXXXXXX Balance : {$46.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXBalance : {$1800.00} XXXX XXXX Balance : {$22.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$700.00} XXXX XXXX XXXXBalance : {$1800.00}

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 2021-01-17
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
XXXX XXXX and deceased XXXX XXXX are saying they have no dealing too Mr Cooper as the ownership trustee of the company .if it not them, then who is it .the record is say XXXX XXXX are active trustee management for Mr Cooper. Address on file for this company is XXXX XXXX XXXX XXXX ga, and XXXX and XXXX XXXX  XXXX  XXXX ga, deceased owner of the company Mr Cooper XXXX XXXX XXXX, it is a pandamic be out here. Us the heirs need a relief, and for both of them says they have nothing too do with this .then contact Mr XXXX XXXX make him sign a release form so I can step in as a heir too the company or beneficiary .to company and take over. I have wait 21 years. I don't want too die and waste my time XXXX XXXX deceased date on file for this company is XX/XX/XXXX .file in probate court XXXX ga. Under XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: Paypal Holdings, Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
XXXX XXXX charged me for no reason resulting in my account being closed, i would like reimbursement separately, paypal has refused to reimburse me for money that was sent to the wrong bank account ( an account that was never opened so the money was not received ) at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX was reporting my home as in foreclosure when it was not. They were trying to distort out of extra money and fees. I tried to hire an attorney, but they were trying to charge me too much This is what FHA was reporting : Thank you for contacting the FHA Resource Center. The information you requested in response to the above referenced service request number is provided below : If the information does not fully address your question, please forward this email ( do not reply ) to XXXX, and provide additional information so that we may better serve you. You may also speak directly to a customer service representative by calling XXXX ( XXXX ) or visit our online knowledge base at www.hud.gov/answers, 24 hours/7 days a week. 

Your question was regarding XXXX XXXX HUD has not paid an insurance claim in FHA Case # XXXX. Case # XXXX is reported to XXXX for being an FHA mortgage in Default. The lender/servicer Wells Fargo Bank NA is reporting to HUD that the FHA Mortgage XXXX in default as of XXXX XXXX with an oldest unpaid installment date of XX/XX/XXXX with the mortgage being 3 months delinquent. 
My house was in the process of being sold, it was on the market. They cost me thousands of dollars, right when I was about to close. I tried to hire an attorney, but it would had cost to much. 

I had to pay Lexington Law to clear-up my credit report due to Wells Fargo 's false reporting Dear XXXX XXXX Lexington Law Michigan requires the credit bureaus to uphold their statutory obligations to consumers with regard to fairness and accuracy of their credit reports. In accordance with that mission, we have sent legal challenges to XXXX on your behalf. 

Items Challenged on XX/XX/XXXX Account : XXXX XXXX XXXX XXXX Account : XXXX XXXX Account : 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 2021-01-17
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened account in my name and address for XXXX $ the XXXX XX/XX/2020 then the next day withdrawn the XXXX and the following day closed the 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 explanation
Consumer complaint received 2021-01-08
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 XXXX XXXX {$3800.00} Collection REMAINS *XXXX  XXXX XXXX {$730.00} Charge off REMAINS *XXXX  XXXX  XXXX {$310.00} Charge off REMAINS *XXXX  XXXX  XXXX {$0.00} Acct REMAINS

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