BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-20
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing changed us a late fee that we have challenged. 
Fay Servicing is entirely unresponsive to our eMails and calls challenging this charge. 

Fay Servicing changed their mailing address without notifying us. 
Our XXXX, XXXX payment was processed electronically by our bank ( it is an automated payment, the bank sends it early every month - actual transaction posted below ). 

XX/XX/XXXX Online Payment xxxxxxxxxxxx To FAY SERVICING XX/XX/XXXX Bill payment {$670.00} On XX/XX/XXXX, we received a credit back to our account in the amount of {$670.00}. 
The record of the mortgage payment credit transaction ( from our on-line banking ) follows : XX/XX/XXXX Credit Return : Online Payment xxxxxxxxxx To FAY SERVICING Misc. credit {$670.00} We also received a secured notice from our bank indicating that the reason for the return is that the payment came back to the bank as Undeliverable. 

We immediately contacted Fay Servicing via email ( attached ) and they sent us an eMail with an updated mailing address. We were out of town for 8 days in the middle of XXXX and received the notice while out of town. Upon return we immediately updated the mailing address with our bank and sent the XXXX payment to the new address. Again we notified Fay of the payment and the update via eMail ( attached ). 

Fay Servicing processed the payment and sent us a " Late Payment '' notice and fee letter on XX/XX/XXXX. We contested this based on : * No notification of the change of address * Immediate notification to Fay Servicing * Perfect pay history I received the name of the person I was told to escalate the issue to at Fay and sent an eMail over 8 days ago. I have called him multiple days, leaving a detailed voice mail with my name, loan numbers, call back #, etc. I have no response from Fay. 

Summary - I have received no response from Fay and do not believe we should be charged a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
Date opened for XXXX XXXX XXXX account # XXXX is incorrect.

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 2018-10-24
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:
Dear Sir or Madam, I have been a victim of Several Data Breaches resulting in Identity Theft. 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 in several Inquiries all 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. I also have several addresses that do not associate me that are showing up on my credit report. Please remove them as well.

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 2018-06-26
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Equifax continues to ignore my rights and report false information on my credit report. I have explained multiple times that this account should be removed due to the payment history and last payment being over 7 years old. 

Equifax is violating my rights by refusing to removed this account. They have not been investigating the account and have been using outdated data to keep this account active on my profile. My credit report is not reporting complete and accurate. 

I will continue to add other offices and agencies to receive a copy of my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: Exeter Finance Corp.
State: IN
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:
My name is XXXX XXXX and I am a U.S. Veteran. my Identity was compromised between XX/XX/XXXX and XX/XX/XXXX. During this time a fraudulent account was opened in my name with Exeter finance. Exeter finance and XXXX are aware of the fraudulent account, however, as of todays date the negative item still remains on my account. A military  police report has also been filed and my unit is working with the Federal Trade Commision and the Consumer protection agency to resolve the matter. Please have Exeter remove this from my account immediately as it is causing me economic harm. I have also included a identity theft report from the federal trade commision regarding the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Below is my latest correspondence to the company which includes needed details. 
I am reaching out to you with hopes to resolve this matter ASAP as Ive been dealing with it for 4 months already which is hindering me from purchasing my home. 
I had a 1 year promotional account with you all and I paid it off on time in XX/XX/2020. In XXXX I noticed you all update my credit stating that I had a late payment of {$7.00}. I called and spoke to a rep who removed it and ensured me that my late payment would be removed from my credit report. After 30 days it was still reporting, I filed a dispute with the credit bureaus who received confirmation for you all that the late payment was correct. 30 days later I filed ANOTHER dispute and you all said that the payment wasnt in XXXX it was actually in XXXX! I then reach out to you again on XX/XX/XXXX to figure out whats going on because at this point its fraudulent activity to continue falsifying information. Your supervisor notifies me that she will push an update to the bureaus that the payment is incorrect but this has not occurred. I called last week and again today to no avail and even found out that you have decided to close my account which is retaliation from me actively holding your company accountable. As stated above, I need this resolved ASAP because it is hindering my ability to purchase a house.

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 2021-08-07
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXXXXXX XXXX claimed that they did not receive my health insurance information. However the hospital was XXXX XXXX XXXX in XXXX N.C. they preformed the procedure in question at their facility. XXXXXXXX XXXX  maintains staff at that location. The Hospital ( XXXX ) received my health insurance information but XXXX XXXX did not seek to receive the info from the actual facility it managed, even though they manage quite a few. Also I didn't receive written notice until it was already sent to collections. ( due to another legal issue I'm trying to seek arbitration on since whoever is involved is impersonating federal FBI agents, Lawyers, and various other business i seek out to contact, my phone and all internet connectivity is manipulated " hacked through the service provider ( s ) system via employee and company compliance with those organizations involved, may be related to this may not be ) but they had opportunity to extend the time period and even had opportunity to file it after receiving my health insurance information which I verified with XXXX XXXX XXXX XXXX. The collection agency doesn't even appear to have a license active for N.C. they are SCA Collections in XXXX N.C. they don't even have a mortgage license for their mortgage business side. My Identity may be compromised by this all happening as well. any and all hep would be greatly appreciated.

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 2020-10-14
Company: FISERV INC.
State: NY
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I am trying to unsuccessfully activate the XXXX  issued by Money Network XXXX XXXX, XXXX XXXX Connector XXXX, Mail Stop XXXX, XXXX, GA XXXX. I have lost my hearing so calling XXXX was a problem so I tried the XXXX TTY number multiple times and each time it hung up after 1 min and 43 sec. I sent a letter to the above address, but it was returned as undeliverable. I sent an Email to FISERV who owns the Money Network and they said it was not their problem and to contact the above address. I also sent a letter to the Money Network  XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX XXXX, but I got no response at all. All I want to do is activate the XXXX # XXXX XXXX XXXX XXXX and transfer the {$1200.00} to my XXXX Checking Account. I created and account on XXXXXXXX, but the Website has no way to activate the card account. I just want the {$1200.00} since I am living on Social Security XXXX due to a XXXX XXXX  so I have no immunity to anything so Covid 19 without hearing is a real problem for me. A actual chek would be fine. Thank you for any help you can provide so i can get my money.  XXXX  and the Money Network is not very good with people with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: BHFC Financial Services INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
My car was paid off back in 2014 and I still havent recieved the title. I been told by finance xompany that they did it electronically but dmv keeps saying there is still line on it. I have to dmv 6 times already with no luck and finance company wont do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was alerted by the fraud dept on the XXXX of XXXX after I withdrew some funds, they said there is suspicious transactions on my account and when I called in, they asked questions about said transactions which I answered. Next they said they are gon na put my account under review for 24 to 48 hours. In less than 48hours I received an email from the bank saying my account is been closed. They didn't give me a reason, it's over a week and i have not received any form of letter and i dont know when am going to get my money back.

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 2018-02-24
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
I have filed a fraud claim with Discover Card. I have TWO active police reports. I am ALSO a victim of Identity theft the amount on the claim is $ XXXX.Stolen Discover card. I was initially denied the fraud claim with discover while there are TWO active police reports. The action was done by an active drug user who actually called discover admitting to her actions. Discover Confirmed this to me yet is trying to re invoice me. Date of Fraud Transations is XX/XX/2017. Criminal went and said XXXX came XXXX Conquered. She even agreed to come to police department and never showed up. Discover is COMPLETELY in the wrong in this situation. I have all the actions including TWO active police reports. In getting discover they state they have fraud protection. This is clearly fraud. How could they victimize some one who was victimized by a crmimial.?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Since XX/XX/2018 I received a bill from a third party PMAB , LLC stating that I must pay the balance of XXXX for an outstanding medical debt. I immediately took action in writing the company asking them to verify my debt, not once, not twice but three times. I was aware of the debt but I wanted them to validate the alleged debt with a breakdown of fees. Additionally under the Health Insurance Portability and Accountability Act ( HIPAA )  Im allowed to protect my privacy and medical records from third parties, and don't recall giving XXXX XXXX XXXX permission to release my medical information. I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore, my request was twofold validation of debt and HIPAA authorization. 
They never could provide a breakdown of fees including any costs and medical charges, nor a copy of my signature with the provider of service to release my medical information to them. However I asked them kindly to cease any credit bureau reporting until the debt could be validated by me. I sent mail certified each time allowing up to 30 days for a formal validation request, which I'm allowed to do so under the FDCPA. Which currently withholding the information they received from any medical provider in an attempt to be HIPAA compliant can be a violation of FDCPA because they are deceiving me after my written request. Which was a full documentation of what they received from the provider of service in connection with the alleged debt. Time and time again after reporting this debt to the credit bureaus prior to allowing me to validate it has been violation of the Fair Credit Reporting Act, which can allow me to seek damage from a collection agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Dear Sir/Madam : Last XXXX, HSBC was offering customers welcome bonus ( or sign on bonus ) after opening a new account, and I fulfilled all their requirements. Six months after I opened my advanced checking account, when I contacted them inquiring about the bonus, they tried to find various excuses such as I didn't place an initial deposit of {$10000.00} ( the requirement was actually {$5000.00} which I did fulfill ), I have no direct deposit while I do deposit {$250.00} of my paycheck biweekly for nearly six months already, or even saying my paycheck deposit is not direct deposit etc ..., HSBC bank is trying all its best to refuse to honor the offer, and I can not believe they can cheat customers like this. 

By the way, I am not the only who they cheated, when I searched online, there are so many complains about this fraud and they are still advertising the bonus offer now ..., and I am just wondering why there is no regulatory agency to stop this fraud?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: AMERICAN HONDA FINANCE CORP
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I was really surprised when reviewing my credit report because I saw a late payment on XX/XX/2016. I don't know how this has happened. I make my payments to you whenever I get my statements. The only thing I can think of is that the statement must not have gotten to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-24
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2018 Chase Bank Was Served Documents By Certified Mail through The USPS. The Documentation That was Submitted To Them Along With A Recent Submission Of More Documentation By PDF through The CFPB System Containes More Then Enough Proof That Their Attempt At A Foreclosure On My Home Is Illegal And A Criminal Offense Of Grand Larceny. This Attempted Theft Of My Home Is In Violation FDCPA 15 US CODE 1692 SENTENCES 1 AND 4, AND CHASE BANK ALSO IS IN NON COMPLIANCE WITH SECTION 809 VALIDATION OF DEBTS AS THEY HAVE NOT VALIDATED THEIR DEBT ATTACHED TO MY HOME.. BECAUSE THEY CANT. I SUBMITTED THE IDENTITY THEFT FORGERY QUESTIONNAIRE WITH SUPPORTING DOCUMENTATION FROM LAW ENFORCEMENT AND CONTACT INFORMATION FOR THE DETECTIVES IN THE COMMERCIAL CRIMES DIVISION OF THE XXXXPD AND CHASE BANK HAS ILLEGALLY REFUSED TO ACKNOWLEDGE THE FINDINGS OF THE INVESTIGATION! CHASE BANK IS ENGAGING IN CRIMINAL NEFARIOUS ACTIVITIES IN MY CASE. THIS CASE WARRENTS REVIEW BY THE CFPB REGULATORS AS THERE ARE OBVIOUS NONCOMPLIANCE ISSUES IN MY CASE AS WELL AS CRIMINAL BEHAVIOR EXHIBITED BY CHASE BANK OFFICIALS. ENFORCEMENT IS IN ORDER AS IT IS OBVIOUS CHASE BANK HAS NO REGARD FOR THE LAW OR REGULATIONS THAT ARE SUPPOSED TO PREVENT DECEPTIVE CRIMINAL ACTIVITIES BY LENDING INSTITUTIONS AND BANKS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: EQUIFAX, INC.
State: VA
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:
I have asked for validation to 2 collections on my credit report which is XXXX  and XXXX XXXX. XXXX is represented by XXXX  XXXX XXXX and XXXX XXXX XXXX is under XXXX XXXX they refused to send me info in a timely manner and it has been over 45 days. I have asked them to verify or delete it. This is illegal and I demand those 2 collections moved off my reports immediately I have been patient and I call them all once a day and no one helps. 
I have talked to all 2 credit reports this is ridiculous ... I have disputed and disputed this information. This is impacting me big time as I can not get a home approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
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:
Good Day, An Experian representative advised me to use an Experian portal located at Experian.com/Upload to upload proof to substantiate my claim that an inquiry should have been removed this month, XX/XX/XXXX. Instead, something unethical has occurred. Somehow, the information has been changed on the " XXXX  '' inquiry. The documents I upload will show that on a XX/XX/XXXX Experian report as well as on a XX/XX/XXXX Experian report that this inquiry was supposed to be removed this month, XX/XX/XXXX. However, when you look at the report that was generated on XX/XX/XXXX you will see that the information has been changed on this inquiry. Instead of being reflected as XXXX, it has been changed to reflect as XXXX XXXX. Also, the inquiry date has been changed from XX/XX/XXXX to XX/XX/XXXX. The removal date has been changed from XX/XX/XXXX to XX/XX/XXXX. 
I won't speculate to the potential unethical practice of Experian and/or not limited to the reporting creditor in regards to this matter. Furthermore, I requested my Experian credit report from XXXX and I had the opportunity to review it on Saturday, XX/XX/XXXX. On this report, neither inquiry mentioned above is listed. I will provide documentation to show this as well. Due to the conflicting reports, the many inconsistencies, the name changes, the date changes, and etc., this Inquiry previously reflected as XXXX, that is now mysteriously being reflected as XXXX XXXX, need to be removed as it was initially scheduled to be. 
Please advise and remove this inquiry as it should have been removed this month. Please note, that I already disputed and provided proof to Experian of the inquiry listed above that was to be removed this month, but instead, the inquiry information was changed. Experian did not resolve the dispute in my favor despite me providing evidence of my claim. This dispute was filed on or about XX/XX/XXXX. As a result of Experian failing to remove this inquiry, in spite of having proof, I am left filing a complaint with the CFPB to assist me with this matter. 

Best Wishes, 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