BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-17
Company: Fay Servicing, LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fays Servicing took a loan that was originated from XXXX XXXX XXXX with automatic withdrawal of payment on the XXXX of every month since XXXX the amount of the loan was withdrawn and there was never a missed payment until Fays Servicing the original loan was for {$32000.00} in XXXX from XXXXXXXX XXXX XXXX and as if this is even possible as of XX/XX/XXXX the pay off for Fays Servicing was {$30000.00}. My house was sold at sheriff sale on XX/XX/XXXX at my age of XXXX Im a veteran and the best part is Im being evicted TODAY from the home Ive had since XXXX due to Fays Servicing and not accepting my payment or how about Fays Servicing not continuing the automatic payment withdrawal which I signed up for at the beginning of the loan in XXXX. To think XXXX XXXX XXXX agreed for an order of possession and again TODAY at XXXX XXXX XXXX Im going to be escorted out of my home by the constable. Due to greed from the XXXX XXXX he cashed the checks I paid to him but he didnt receive payment from the tenants in a trailer that sits on my land the trailer isnt mine but again a XXXX XXXX XXXX veteran with health issues including hooked to a XXXX XXXX XXXX will be homeless from a loan that I never missed a payment until Fays Servicing took loan over sadly if you do the math from XXXX til Fays Servicing date of taking the loan at {$450.00} per month I paid back at least double what I borrowed. Again Im being punished over Fays Servicing and their tactics of taking advantage of a XXXX XXXX XXXX citizen. Im not going to stop until my home is returned to me and possibly compensated for overpaying on this loan

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To Whom It May Concern : This letter is a follow-up to my original letter dated date regarding an inaccuracies on my credit reports, regarding XXXX XXXX XXXXt {$420.00} Upon further investigation, I have retained new copies of my credit reports and noticed that you did not furnish the credit bureaus with the required disclosure, within the period required by law. You are required by federal law to place a notice of dispute on my account within 30 days of my dispute, which you signed for on the signature date. I have retained a copy of your signature and date of receipt, as well as time-stamped copies of my credit reports, showing that you have violated the Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Additionally, you have broken federal law by not placing the notice of dispute onto my credit reports within the time required by law. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance of federal laws under the Fair Credit Reporting Act. I further remind you that you may be liable for your willful non-compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( 3 ) Duty to provide notice of a dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. ( B ) Time of Notice ( I ) 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 ). As you have violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or inaction ) on your behalf will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act

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 2023-03-15
Company: EQUIFAX, INC.
State: NY
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/2023 I sent a second complaint via CFPB regarding Equifax not granting my block and delete request although all required documentation was provided. On XX/XX/2023 Equifax provided feedback via CFPB stating that they have completed this investigation by contacting the furnisher. Equifax was supposed to block and delete NOT hold an investigation. Additionally, when an investigation is held it shall be an INDEPENDENT, PERSONAL investigation. Furthermore, Equifax claims to have provided a summary of the results listed however, theres no summary, just another request for me to Be specific with my concerns by listing the account names, numbers and nature of dispute. This is information that Equifax already had when I sent them my initial block and delete request. I am now for filling this request AGAIN via CFPB complaint for : Account name : XXXX XXXX  Account number : XXXX Nature of dispute : Identity theft Equifax is supposed to be fair and impartial with what they report and are required and obligation to ensure theyre reporting accurate information on consumers they share/sell information on. 

Attached below is my initial notice regarding block and delete request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I file documentation last XXXX2021 for those inaccurate and unknown accounts I found on my credit report that must be removed. Or I will file a litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-16
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I keep getting calls from portfoliorecovery first the said I owed from XXXX  almost XXXX after which I said I have no recollection of this cc ( I initially thought it was from XXXX which I have had a dispute with ) then they mentioned other debts I already called them before to explain this situation they started asking me many questions I was fearful this was so.e kind of fraud. I am poor on XXXX I survive on XXXX each month. I have only XXXX cc which I don't use put pay a little on an old charge which is almost finished without issue I don't believe I owe this. Because I have limited income I can not pay for cc nor would I charge anything anymore since I am on ss

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-17
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX, Huntington bank process a payment in the amount of {$14000.00} for a balance due to XXXX XXXX from a company called, XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX ) XXXX. 

I do not owe any money to XXXX XXXX. I have not lived at that place in seven years. Furthermore, I never had any business with XXXX  XXXX XXXX or his firm. 

Huntington Bank nor the company fraud alert department never notified me of any debt in any amount was being process through my account. 

Therefore, I will file an XXXX  complaint against Huntington Bank Legal department, I have filed XXXX against XXXX XXXX XXXX XXXX XXXX, with the CFBP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The XXXX  time my debit card has been declined and I have money in my account. USAA continues to put unwanted and unauthorized restrictions on my account. This is the XXXX time. The XXXX  time it was a deposit only restriction, now USAA put a credit only on my debit card. I did not authorize this, again. Please help.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
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 recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated a written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : Creditor : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-06-15
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX transferred my mortgage to Citimortgage Inc as per letter XX/XX/XXXX from citimortgage. 
On XX/XX/XXXX I pay off above mentioned mortgage account # XXXX for coop at XXXX XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX. 
Prior to selling my XXXX , on XX/XX/XXXX I emailed request for stock certificate to XXXX. It took me 3 months to get an answer from company. I sent multiple emails and made calls to citi bank customer service and finally on XX/XX/XXXX I got response from lien department. It stated : " The original stock certificate and proprietary release would have been returned to you following the loan pay off in XXXX. We have conducted a thorough search of our records but due to the age of the account pay off we are no longer able to provide copies of that mailing ". 
To receive a new stock certificate for closing on XXXX XXXX had to pay {$600.00}. Citimortgage lost my stock certificate or perhaps even never got it from New York mortgage company during transfer of my loan XXXX XXXX mortgage company got it during purchasing of coop as they were my primary loan company. But I'm not responsible for proper transferring all documents between 2 loan companies because I didn't even initiate that transfer. Citimortgage didn't have any proof of mailing this document to me. I didn't receive document either. I kept all documents and letters related to my mortgage from start in XXXX to the end in XXXX but there is no stock certificate or letter that mentioned about mailing me stock certificate. 
I tried to resolve this issue with Citibank in person with branch manager XXXX XXXX XXXX, branch address : XXXX XXXX XXXX XXXX XXXX NY XXXX but after a while of his attempts to help me, he received the same answer as email I got on XX/XX/XXXX that certificate was sent to me but no record of it found. 
I would like to get a compensatory refund of {$600.00}, money I had to spend out of my pocket for document lost by mortgage company.

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 2021-05-25
Company: EQUIFAX, INC.
State: MS
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:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-17
Company: ALLY FINANCIAL INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
My online banking account was blocked by Ally bank due to a potential fraud with a XXXX transaction. Someone who wanted to buy my car had disputed the amount paid for deposit of the car and Ally bank blocked my account with no farther information. 
I have a written contract with the person who I received the money from and had provided the contract to Ally for verification purposes but did not receive any feedback. 
Its been 6 days since my account is blocked and I can not make or receive any payments. 
I tried calling customer service multiple times unfortunately they either hanged up the call or had no answer for me.

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 2020-11-18
Company: EQUIFAX, 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: Account status incorrect

Complaint:
The XXXX account on my report is incorrectly showing a 30 day late for XXXX of this year. I already spoke with XXXX, and they said they would fix it. I couldn't have had a late payment, as the loans were deferred by the CARES act. It has been 30 days, and my report still hasn't been corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-29
Company: GSA Commercial Asset Management
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Was not notified of investigation status or results

Complaint:
1/ I complaint into GSA too much time from phone to complaint direct at their web-site, I am not solve and I am not feed back 2/ My case at Supreme Court OF US was theft and fraud from all defendants at US court Northern District 3/ FEDERAL BUILDING POLICE SECURITY unite with them lock my human right before FEDERAL COURT AND FEDERAL JUDGE, Include XXXX and OFFICE SSI and SSA local I live at XXXX XXXX CALIFORNIA 4/ My face and my voice were lock by them 5/ My certified sent into all court almost were theft, stolen and Fraud

Company response to consumer: Untimely response
Consumer complaint received 2021-06-15
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: Information belongs to someone else

Complaint:
I am not the person to always check their credit but I just check my credit through experian 's website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, XXXX and transunion, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the XXXX breach. I have attached the identity theft report along with my social and drivers license.

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 2020-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2023-10-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I scheduled a one time payment to pay the account in full one day prior to the due date two weeks in advance. USAA took two additional payments for the same amount two days prior to the due date and on the due date itself ( confirmed by USAA phone representative XXXX XXXX. Closed the account due. However, USAA was unable to return the credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
Greetings, I would like to fill a complete with the CFPB against XXXX, XXXX, and TransUnion for misleading information on my credit report about a Bankruptcy case. 

I sent written notification to the court asking how XXXX, XXXX and TransUnion verify bankruptcy by the court. In response, in response on XX/XX/2021, the court stated it does not verify information to collection agencies. As a result, I sent letters to all 3-credit agency asking to verify and how the Bankruptcy is verified on my account. 
This is the response that was sent to all 3 companies I have previously disputed this item with you US Bankruptcy Court- XXXX XXXX Case Number XXXX and in response you verified the item as accurate, stating that you have verified the information with the court. I have contacted the court and their response is enclosed. It is clear they do not report to you or to any credit bureau for that matter ; therefore, your original response verifying the time with the course was either error or lie. Either way, the reporting requires to not comply with FCRA 611 ( 15 U.S.C 1681I ) and the information must be deleted immediately. 

XXXX XXXX In response, each credit agency stated that the information is verified as accurate. 
Attached are letters and documentation that was sent to all 3 agencies.

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 2022-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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