BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-01
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX of XXXX, we had a house fire and the insurance company paid myself and the mortgage company, Fay Servicing, a lump sum of {$530000.00} in order to rebuild the home. I began construction in XX/XX/XXXX after delays due to covid, permits, and material shortages and I personally have invested {$200000.00} from my own funds in order to start building my home. Fay Servicing inspectors have come out to inspect the home and according to them the home is more than 50 % complete which warrants the mortgage company to release my funds. The inspector was told to purposely downgrade the inspection from 50 % to 39 % ( I have text message proof from the inspector ). Until today XX/XX/XXXX, Fay Servicing has only released {$60000.00} of the funds in order to build my home and is refusing to release the rest of my funds to rebuild the home. They have held my funds for such a long timeframe that at this point my insurance company is no longer paying for my temporary housing. I have explained to them on multiple occasions that because of their lack of urgency to release the funds I am in a situation where construction has halted, and I can not afford to pay the mortgage and pay for my own temporary housing. I feel that Fay Servicing is purposely engaging in deceptive practices so that I go into foreclosure and they can keep the funds that were meant to rebuild my home. I desperately need help and I can not afford to hire attorneys, pay for my mortgage, or temporary housing because all of my funds are invested into rebuilding my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My spouse and I have sent the credit bureaus multiple dispute letters certified with documentation supporting our claims and they have completely disregarded our concerns. There is a debt and some late payments reporting inaccurately and we are trying everything in our power to get it rectified. Hoping this process will make them take us seriously.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: FL
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: HW Holding, Inc
State: PA
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 U.S.C 1681 XXXX XXXX XXXX XXXXXXXX XXXX Credit report HUNTER WARFIELD , INC XXXX XXXX XXXX XXXX XXXX XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-18
Company: JPMORGAN CHASE & CO.
State: VA
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:
Chase card had made an error in there system and owned up to it but would not provide paperwork to back it up

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: HW Holding, Inc
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I advised the original collector at XXXX XXXX that this was a fraudulent charge either in XX/XX/XXXX I also disputed this as fraudulent activity through all three credit bureaus as well as my bank the original debtor ( XXXX XXXX   ) the brought paper ( Hunter Warfield ) I have had my consumers rights violated and ignored on repeat. I have never lived at this apartment or done business with said apartment yet they are continually violating my rights, they have not removed it, provided ANY PROOF of debt, nor attempted to rectify. I have been denied housing, had rights violated, and ignored.an I have yet again been ignored and harased for a debt that is not mines.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: GA
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. 


Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Commencing on or about XX/XX/2022, I fell victim to two multi-layered scam operations run by XXXX and XXXX which involved me making deposits for a total amount of XXXX USD from my XXXX  XXXX account to Bank of America at the instructions of the scammers. 
In providing its services, financial institutions as registered and licensed Payment Service Providers, are required by law to exercise the care and skill of a diligent, prudent banker. In this case, this means that the payment service provider should not turn a blind eye to known facts pointing to a real possibility that their customer is a scammer or is involved in potentially fraudulent activity.

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 2021-04-29
Company: JPMORGAN CHASE & CO.
State: TX
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:
Received 2 letters of delinquent lease account. Chase auto finance is claiming I have {$10000.00} due on lease when creditor offered to zero account balance upon return of vehicle. They offered complete credit of payments due for early return as compensation for misreporting my account as delinquent for almost one year. They couldnt find root of problem why my account reported delinquent when all payments had been made in a timely fashion. 

I do not owe any money on this account. It should be closed with a zero balance. 

I have attempted to escalate this within their corporate office aka reps that take escalated calls. I have been unsuccessful getting a manager to call me. 

I have requested no less than 7 times for XXXX XXXX, the rep at Chase to have a supervisor contact me to better explain the situation. 

Vehicle was returned XXXX and Ive heard from nobody from Chase since.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Trying to get me to pay more when Im broke and I try to pay what I have left due to medical problems calls all the time

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 2019-07-17
Company: Experian Information Solutions Inc.
State: MD
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 identity was stolen and misused. I complained to the FTC. My complaint ID is XXXX. The account and inquiries listed below do not belong to me and must be removed immediately. 

Fraudulent Account : XXXX XXXX {$1700.00} Opened XX/XX/2017 Fraudulent Inquiries : 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 2018-02-15
Company: U.S. BANCORP
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
Ordered another credit card for an employee. US Bank opened a new account and used a 10 year old address. Found out the card was turned over to collection over {$160.00} and got it paid and resolved. Was promised this was not reported to the credit reporting and it was. So a couple weeks later when trying to buy a company car US Bank refused to issue the loan and refused to acknowledge their mistake and the fact that XXXX XXXX lied to me about the credit reporting. They then offered me a much higher intrest rate on my car loan claiming it was due to the {$160.00}. issue they created. I have wasted hours and hours of my time and am paying more for the car because of the credit report. US Bank offered me {$75.00} statement credit and that is why I am filing this complaint. They also told me I need to write a letter to get the credit report fixed. I pass a few XXXX dollars a year through their bank between business I own and personal. 
This is who I dealt with last and refused to be helpful beyond {$75.00} XXXX XXXX XXXX XXXX XXXX U.S. Bancorp XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX | XXXX | www.usbank.com

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 2023-07-28
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I just recently reviewed my credit report and I noticed that I had several negative items. These accounts are inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-15
Company: MOHELA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I'm a XXXX  who is trying to apply for a PSLF student loan forgiveness. I've worked over 15 years in my district. I have had several loan servicers over the course of my consolidated loans. The current one, Moleha, was assigned to me this XXXX. They only have record of me paying payments since XX/XX/XXXX. I've always paid my loans; never late or defaulted. Now, the problem is XXXX and XXXX, my previous servicers, never sent any of the previous payment info out to Mohela. I do have some billing statements from XXXX  proving payment over a period of roughly 2 years. I also have bank statements. None of this information is available to the new servicer and they won't accept it as proof. XXXX  is out of business and XXXX is saying there is nothing they can do. 

I qualify for this loan forgiveness. I've made payments over many years since the program started in XXXX. I was in the wrong payment plan and like many, didn't find this out until XXXX. The XXXX have a limited time waiver for people like me. But how can I prove and get credit for my payments when the XXXX don't know anything, the servicers are out of business to provide the proof and all I have is a few years worth of records. 

I keep getting the run around on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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 is missing that should be on the report

Complaint:
My XXXX XXXX that was opened in XXXX  is not being reported to Equifax and hasn't been reporting for nearly 2 years which has caused damage to my credit score over the past 20 months. I have reached out to both XXXX and Equifax to remedy the matter but of to no avail. Their negligence is causing me to suffer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
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: Account status incorrect

Complaint:
Hello my name is XXXX XXXX. I have a hard inquiry on my Transunion credit report. : XXXX XXXX  Which is incorrect it was introduce to me as a Soft Inquiry and would not show up on my Transunion credit report XXXX And need to be deleted.

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 2019-07-17
Company: A-1 Premium Acceptance, Inc.
State: NM
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
king of kash keeps calling my work and have been told our company does not accept these type of calls and I am going to lose my job because of it. constant harassment when told to stop calling place of employment. they said they could call whomever and tell them about the debt, calling at all hours and interrupting work. I have asked repeatedly to stop calling my place of employment and they continue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Information belongs to someone else

Complaint:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX  ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

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 2016-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm trying to avoid foreclosure with Bank of America. I 've called multiple times to get a payoff and left voice mails with my phone number as well as my e-mail. No one from Bank of America has responded. I put up my home for sale, and need the payoff information.

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 2018-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX XXXX XXXX. They call me and my mother several times a day. And I have reason to believe that one of their representatives may have called my job yesterday looking for me. My supervisor answered and told me that it was a woman looking for me and said that it was " personal. '' She did not leave a name or a means of contacting her back. I checked with my family and it was none of them. By the time I went to answer the call, she had hung up. None of my other creditors have called for me at work before. But Capitol One sent my debt to this XXXX XXXX and now I've received a call at work? I am suspicious that they were the ones who called me yesterday as no one else ( personal or business ) would have called my job looking for me when they have my cell phone number. I am issuing this complaint in the hopes that no more calls be sent to my place of work.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-15
Company: EQUIFAX, INC.
State: NC
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 this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'M DONE ASKING NICELY. I'VE SENT YOU NUMEROUS LETTERS INFORMING THERE IS INACCURATE, ERRONEOUS & UNVERIFIABLE INFORMATION ON MY CREDIT REPORT. You are required under the FCRA to have a copies of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your numerous investigations and subsequent reinvestigations, you stated in writing that you verified that these items are being reported correctly? I'VE ASKED YOU " WHO VERIFIED THESE ACCOUNTS? You have NOT provided me a copy of ANY original documentation, OR COPIES FOR THAT MATTER, as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified.

Sections 616 and 617 provide me with remedy when a credit reporting agency does not comply with the law. You are wilful noncomplying with the FCRA.

Since you CLAIM TO HAVE VERIFIED THESE ACCOUNTS BUT HAVE NOT PROVIDED ME WITH ANY INFORMATION. I WILL GIVE YOU ONE LAST CHANCE TO " UPDATE/REPAIR '' THE FOLLOWING ACCOUNT. 

Please update these accounts, or inaccurate information, from my file immediately & send me the results to the address listed XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$7000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, and XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX 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