BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-04
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX I filed chapter XXXX bankruptcy to save my home from foreclosure. Over the years my loan transferred from XXXX XXXX to XXXX to XXXX  XXXX XXXX to Fay Servicing to XXXX XXXX. Somewhere between XXXX and XXXX XXXX XXXX I lost my buydown set at 3.5 year one, 4.5 year two, 5.5 year three for the life of the loan. I sought explanation from XXXX  only to be told that it was given to me in one lump sum. No evidence of such credit ever provided. I then sought modification from XXXX. After weeks/months of repeated " lost '' documents and one week prior to my anticipated modification my case was closed with the excuse that my loan had transferred to Faye Servicing. After filing bankruptcy my attorney sought a modification on my behalf. The only thing Faye Servicing offered was amortizing {$37000.00} to the back of my loan, and increasing my interest rate by half a point. Upon completing Bankruptcy Fay Servicing has been utilizing my Escrow payments to cover " {$4000.00} Escrow Shortage. '' This has been ongoing Since XX/XX/XXXX when I started paying my own mortgage. I have been Paying nearly {$4000.00}. annually for Escrow only. My taxes  and Insurance total under {$3000.00}. Other charges Fay has been collecting is Corporate Advance Charges, Legal Fees, Property preservation, Suspense, escrow shortage etc. 
I have attached convenants and conditions of modification agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Just In the last XXXX years I have been charged over {$500.00} in overdraft fees. I call to get a refund but i only been successful 3 times. Its harassment and there doing it on purpose to make money.

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 2023-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2020-07-14
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX of XXXX XXXX ( XXXX XXXX hospital ) never sent any copy of a medical bill to me even though they had the correct mailing address in their system. They claim their system shows that they sent bills to me even though I did not receive any. Other XXXX XXXX of XXXX XXXX customers have the same issue ( not receiving any bills until they are sent to debt collection ). Their errors are going to impact the credit scores of many people, including myself hence this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-01
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:
I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 2020-09-11
Company: EQUIFAX, INC.
State: GA
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 an account with XXXX XXXX XXXX XXXX partial account number XXXX. This car was totaled on XXXX. I have GAP insurance on the car covering any difference between the total appraisal and balance owing. Because of the delay in processing this payoff, the account is showing a 30 day delinquency for XXXX. 

The GAP agreement provides that the total balance due at the time the vehicle is totaled is what is covered. 

I disputed this with the three credit bureaus to have this late payment removed in that it is not my fault and completely the liability of the lender and their processing of paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-04
Company: Google Compare Credit Cards Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am convinced that Google Pay  is nothing more than a massive racketeering operation posing as a " free service '' to transfer money. I tried using the service to receive {$700.00} owed by a client. He paid me via Google Pay on Wednesday XX/XX/XXXX. It is now Tuesday, XX/XX/XXXX and I still do not see the money in my bank account/VISA debit card. My client and I have contacted Google Pay numerous times and we were repeatedly told that the money would be in my account " within 24 hours ''. That promise has now been broken several times. The transaction in question is Google Pay transaction number XXXX. In the 21st century it is inexcusable for any digital transfer of money to take more than 24-48 hours.

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 2019-06-04
Company: National Commercial Services, Inc
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
on XX/XX/2019 I received an email from XXXX XXXX a representative of national commercial services. The email stated that I needed to contact them within 10 days regarding an old debt. that if I did not contact them to make the payment arrangments, they would pursue legal action against me and obtain a judgment including going after my personal assets. This is a time-barred debt, past the statute of limitations for any legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: Consumer Adjustment Company Incorporated
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Consumer Adj CO Original Creditor : XXXX XXXX of XXXX TX XXXX  Open Balance : {$1000.00} Acct Opened : XX/XX/2021 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: EQUIFAX, INC.
State: MD
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: Investigation took more than 30 days

Complaint:
I have reviewed a copy of my credit report and I show company XXXX account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-01
Company: Experian Information Solutions 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:
XXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX XX/XX/XXXXXXXX Date Filed XX/XX/XXXX XXXX Date Filed XX/XX/XXXX The above mentioned inquiries are fraudulent. Please remove

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 2023-09-25
Company: JPMORGAN CHASE & CO.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
My Chase checking account was hacked from my debit card. They made two transactions on XX/XX/28 to XXXX XXXX XXXX XXXX XXXX XXXX. One for XXXX and the other for XXXX. This is a foriegn company from XXXX. I contacted my bank Chase and they return the money back to my account. They told me they would do an investigation on this matter. About three to four weeks later they took those amounts back out of my account with no notification. When I inquire about this to the bank, they told me after the results of their investigation they determined the transactions were legal. I explained I've never been to XXXX and I don't even own a passport. They said I had to give them some proof that I didn't make those transactions. When I ask what proof I needed to give them, They wouldn't tell me. I'm a XXXX XXXX living on Social Security. I can't afford to take trips to foriegn Countries.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

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 2022-11-23
Company: Experian Information Solutions Inc.
State: AL
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:
Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filing this complaint. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2020-08-10
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: Information belongs to someone else

Complaint:
I have already tried to resolve this issue with the companies. I am trying to get this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17
Company: EQUIFAX, 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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be omitted as soon as possible. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: Freedom Mortgage Company
State: NH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On XX/XX/XXXX I notified Freedom Mortgage that I was starting a new job on XX/XX/XXXX. I requested a little leniency ( No late charges & permission to make partial payments ) to re-establish my budget. While on this call, I made a partial payment of half of the mortgage amount with the next payment following XX/XX/XXXX hire, pending first paycheck. 

I was told that I was being provided a freeze, allowing me to make partial payments and no late fees until pending being up to date by XX/XX/XXXX. 

In XXXX, Freedom Mortgage reported a default late payment to my credit report as well as my co-signer. Our credit worthiness declined XXXX points. 

When I asked Freedom Mortgage the reasoning for this action against me, they stated they would conduct an investigation because there was a freeze on my account. Leading me to believe there had been an error. After a week of investigating. they instated that the freeze on my account did not cover negative reporting. They said I should have asked for a forebearance. This was something that shouldve been offered, but wasnt. My consistent payment history was not considered nor the effect of the negative reporting on my financial record with the credit bureaus affecting my credit worthiness and credibility. 

The negative reporting has tarnished my credit report as well as my co-signers excellent credit worthiness, plummeting both scores by XXXX points.

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 2023-06-16
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
Applied for car said was going to run XXXX and ran all these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-30
Company: GREAT LAKES
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
During the time my loan was scheduled for repayment in XXXX I was having to defer my payments. The problem came when the state of Utah ORS ( office of recovery ) was coming at me for XXXX XXXX   When asked to submit my bills to adjust the amount to be payed, they would reject my student loan as a legitimate bill. I spoke with my lender Great Lakes borrowing service and they said that ORS cant do that because it is a federally backed student loan, I replied I KNOW. Great Lakes says that I will have to put them in deferment. After they set the rate of XXXX XXXX I was able to find a higher paying job and once again they raised my XXXX XXXX  and again excluded the student loan as a bill I had to pay. I asked ORS why  this was and the replied : most men do not pay it when allowed as a bill so policy says that it should not be considered. I spoke with Great Lakes again and the says well you will have to put it in deferment. I wanted to fix my credit including my student loans so I began working a lot of overtime to try to get ahead and ORS raised my XXXX XXXX. And cause I showed that I can make more money on a regular basis as if I had a 2nd job. XXXX XXXX goes up,  Great Lakes says I have to defer payments. Now in XXXX I am finished with XXXX XXXX they can not come after me for it anymore. So I start working with student loans again and work into a repayment program. They come back and say my little {$19000.00} student loan is now up to over {$60000.00}. I felt abused by the system cause I should have been able to repay it. So I decided I was not going make {$650.00} monthly payment because it is not a bill according to the State of Utah. Student loans are now garnishing my checks and say that my {$19000.00} loan is now {$100000.00}. This whole process has not been fair. I feel my loan servicer should have stepped in to assist me with states absurd reasoning that it was not a bill. If anyone owes this bill it should be the State of Utah because they would not allow me to repay it at a time when it was manageable and took any excess money I could gather to use for XXXX XXXX of XXXX children. By the way my ex was the adulterer and I left and went to better myself for me and my children. I could never get on my feet financially. I had to have roommates to even afford a roof over my head. I lived in XXXX, CO most of that time. There was a much higher cost of living difference, but state of UT would not recognize that either. I feel that I have been punished for bettering myself for long enough and would like to see my student loans forgiven for attending a school that no longer exists. As a matter of fact the school instructor says it wouldnt matter if you didnt repay your loans cause they could take your house, car and taxes but they can never take away your education,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
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: Account information incorrect

Complaint:
On my report with Equifax my score is XXXX now if I don't have anything in collection, no late payments and the only inquiries are auto from Equifax and XXXX XXXX how could my score be so low. No repose, No bankruptcy, everything I see on my report is current so how is my score so low.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-06
Company: GFS, Inc.
State: AR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The debt is not mine. I have sent in multiple disputes to remove it from my profile and the company has not responded or sent any validation of this account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-24
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have disputed my debt on 3 occasions, only to get the same response from Experian on XX/XX/XXXX, XX/XX/XXXXreporting number, and onXX/XX/XXXX. Experian disputes that my debt is not paid, not only is this incorrect, but has been on my credit report displaying inaccurate information. I have proof of written document signed by United States Attorney which includes his contact information. I also reported dispute process to XXXX on XX/XX/XXXX and have similar results with this company 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 2019-01-17
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
One of my business checks was stolen from my home. The individual wrote the check And forged a signature and was able to go to my bank institution and cash the check for {$1700.00}. The bank called 2 days after they had cashed the check to ask if I authorized the check even though it had already been cashed. I filed a fraud claim the bank denied the claim because they say it was negligence on my part in not having the check under lock and key. The check was in my home office in a closed drawer. I filed a police report and turned that it to the bank and they still denied my claim.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-15
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Cash out refinance requests through multiple lenders including : XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX Rocket Mortgage All are not actively offering loans to credit worthy borrowers who own investment homes and are seeking to refinance using a cash out option as offered by the firms.

Company response to consumer: Closed with explanation