BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-05-12
Company: Fay Servicing, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing LLC took it upon themselves to Advance Escrow our Home Owners Insurance when they requested our renewal policy. 
We never authorized escrow and had advised that we were self pay. 
It was not a requirement to escrow. We have been paying our insurance directly for the past 12 years. We were not notified in advance that they were doing this. We also had no opportunity to review our renewal and it had increased. Fay Servicing used a loophole by requesting the renewal policy so they could pay on our behalf. They have never collected escrow from us and now they did an Escrow Advance for {$1100.00}. Our policy renews on XX/XX/2023 and they made payment against our approval on XX/XX/2023, before we even saw the policy. This is illegal and unethical. We have been in contact with our insurance agent who states this is sketchy. We have contacted Fay Servicing numerous times to reverse this Escrow Advance and we are getting no where with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
accounts on my credit report are not mine and should be removed immediately

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 2020-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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 has been compromised from the lost of my wallet. I've also been a victim of the XXXX  breach as well as victimized by the dark web. Therefore, I'm demanding that the following unknown and unauthorized accounts be removed and blocked from my credit file. The accounts are listed below. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  {$450.00} 3 ) XXXXXXXX XXXX XXXX {$790.00} 4 ) XXXX  XXXX XXXX {$240.00} 5 ) XXXX XXXX XXXX {$780.00} 6 ) XXXX XXXXXXXX XXXX 7 ) XXXX XXXX {$120.00} 8 )  XXXX XXXX XXXXs {$780.00} 10 ) XXXX XXXX  XXXX {$780.00} 11 )  XXXX XXXX XXXXXXXX {$790.00} 11 ) XXXXXXXX XXXX XXXXXXXX {$920.00} 12 ) XXXX XXXX {$180.00} 13 ) XXXX XXXX {$180.00} 14 ) XXXX XXXX {$560.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: Experian Information Solutions 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 Everything has to be 100 % accurate on my report. 
XXXXXXXX XXXX XXXX XXXX The credit bureau state my account was properly investigated but how is that possible if the open date is inaccurate the last date active is inaccurate and date last report is not accurate.this ground for remove they also violated my rights under 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 state a consumer reporting agency can not furnish accounts without my writing instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
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 AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELETED ARE LISTED IN THE REPORT. I AM A VICTIM OF IDENTITY THEFT AND DID NOT MAKE THE CHANGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. I REPORTED THE THEFT OF MY IDENITY TO THE FEDERAL TRADE COMMISSION AND I ALSO HAVE ENCLOSED COPIES OF THE FEDERAL TRADE COMMISSIONS IDENTITY THEFT AFFIVADAIT .PLEASE DELETE ITEMS AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
So I have been getting harassing called phone calls from Bank of Oklahoma I get 14 calls a day all times of the day and the evening time I have tried to reach out to them and try to set up payments that I can afford I am unemployed due to the pandemic is still looking for work I have always been honest and sincere with this Bank they refuse to accept what I can pay monthly to them and I keep getting these harassment calls threatening calls threatening of harassment calls I am trying to fill this out and file a complaint against Bank of Oklahoma for harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
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:
FIRST TRADING COMPANY added 2 late payment when Covid 19 was starting and everyone was struggling and i was never late on any payments this information it's completely wrong i try to fix this issue with the dealer and they said they can't help. 

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 XXXX XXXX # XXXX 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 2020-07-20
Company: Experian Information Solutions Inc.
State: LA
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 contact XXXX XXXX, Experian and XXXX concerning incorrect payment history reporting by XXXX XXXX to my credit bureau and it is still not correct. I have been dealing with this situation since XX/XX/2020, and my family and I are missing out of buying a house and qualifying for certain programs because of the negative impact on my credit scores. I have documentation to prove my payment history, but it seems as if the information is being either kept from XXXX XXXX or isn't even being considered when it comes to the correction of the items and the dispute process. Not to mention the carelessness of XXXX XXXX and their attempts to sweep their mistakes under the rug. I am fed up and I am considering legal action.

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 2023-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
I urge you to update my account immediately as I have always made timely payments, and this is causing me a lot of 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 2020-07-20
Company: Experian Information Solutions Inc.
State: WA
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 : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$0.00}, {$0.00}, {$880.00}, {$0.00}, {$1100.00}, {$1500.00}, {$900.00}, {$1600.00}, {$570.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

4. XXXX XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 

-- AUTO ACCOUNT 5. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 6. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 

7. XXXX XXXX with ACCT # XXXX opened on XXXX  XXXX, XXXX with a balance of {$1500.00} -This is not my account. 

8. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$900.00} -This is not my account. 

9. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1600.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$570.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: ALLY FINANCIAL INC.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I have an account that i will at least once if not twice a year make a lump sum payment towards ( 4 times my normal ). On the most recent I contacted XXXX XXXX at the Presidents office to make her aware it was being done again. About 3 weeks ago, i received a call last week from another agent stating i would NOW have a balloon payment at the end north of {$2000.00}, i told her i never had that in my normal contract and as of XXXX no paperwork has been mailed to me. I again spoke with XXXX on XXXX about the {$990.00} ( XXXX ) {$38.00} ( XXXX ) payment and she informed of some change and if i wanted to continue that would how it work. I told her NO i wasn't going to agree to the new terms reducing my monthly from roughly {$250.00} to XXXX with a balloon payment at the end. I received am email from XXXX today stating my balance on my loan INCREASED instead. It went from {$7600.00} to {$8600.00} for NO reason. I have made payments in excess, lumps and always on 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 2019-07-09
Company: Mr. Cooper Group 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: Account status incorrect

Complaint:
I have a mortgage loan with NATIONSTAR/MR COOPER, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NATIONSTAR/MR COOPER and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and NATIONSTAR/MR COOPER with no successful resolution. XXXX, XXXX, and XXXX only reporting me 30 days late. There was an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: WELLS FARGO & COMPANY
State: NJ
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
MY ACCOUNT WAS TAMPERED WITH FROM WELLS FARGO ACCOUNT ON XX/XX/2015 WITH THE AMOUNT OF {$380.00} TAKEN, I CALLED TO DISPUTE THE TRANSACTION, I SPOKE TO XXXX SPOKE PEOPLE OF WELLS FARGO, THEY STATED THAT MY MONEY WOULD BE PUT BACK INTO MY ACCOUNT WITHIN XXXX DAYS OR LESS AND THAT I WOULD BE CONTACTED BY XXXX AND NEVER WAS CONTACTED, I CALLED TO ASKED AGAIN ABOUT MY ACCOUNT BEING TAMPERED WITH I GET NO ANSWER, I ASKED TO SPEAK TO A SUPERVISOR I WAS DENIED.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Paying off the loan

Complaint:
I called on several occasions and requested the trustee and indentured trustee information and a copy of the entire indenture including all supplements or where I could find it and I was told they did not have this information for my account. I am requesting that they provide me this 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 2023-05-26
Company: Chime Financial Inc
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On the XXXX of XX/XX/2023 my chime account was totally empty out my savings my credit building account I have been trying everything in my power to receive my funds back..this was my kids account Im begging for help please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-07
Company: BHA Services
State: UT
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
started screaming at me told me he'd see me and my husband in court. 

i said I had proof that i paid this bill through another collection agency and he screamed calling me an XXXX and calling me names and harrassing me I received garnishment papers to my then job at XXXX XXXX to where they talked to the owner claiming all debt was resolved XXXX XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2023-08-27
Company: Exeter Finance Corp.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
( 15 U.S.C 1635 ) DID NOT give full understanding DISCLOSURE, I FEEL THEY TOOK COMPLETE ADVANTAGE OF MY SITUATION KNOWING I HAD A SIMILAR EXPERIENCE AT ANOTHER DEALERSHIP A WEEK BEFORE COMING TO THEIR DEALERSHIP NO DISCLOSURE VIOLATIONS SUM OF ALL CHARGES INCLUDES 1 ) CAR VALUE ( DID NOT INCLUDE ) 3 ) INSURANCE : allowed me to drive off the lot with no insurance 4 ) WARRANTY ___________________________________________ 5 ) HAD TO PAY OUT OF POCKET FOR SERVICES ON THE CAR ( OIL CHANGE ECT. ) 6 ) {$500.00} DOWN IN THE CAR XXXX ) SIGNATURES AND DATES ON BOTH COPY AND ORIGINAL DON'T MATCH

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I wrote a personal check from my checking account from a local Colorado bank ( XXXX XXXX   XXXX XXXX ) to Chase Checking on XX/XX/2019 in order to fund out of state real estate transaction. I was told by the teller that funds will be available in 2 business days ( XX/XX/2019. ( Also printed on my deposit receipt as such ). On XX/XX/XXXX, funds were not available and service representative stated that it would not be available until XXXX of XXXX. Funds have cleared my XXXX XXXX account. 

The rationale Chase provided is it is customary to withhold availability as matter of Chase policy. 

This is the second deposit that Chase is withholding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Experian Information Solutions Inc.
State: NY
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:
VICTIM OF IDENTITY THEFT NOTICED UNAUTHORIZED INQUIRIES ON MY REPORTS

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 2019-07-10
Company: EQUIFAX, INC.
State: NY
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:
VICTIMOFIDENTITYTHEFTNOTICEDUNAUTHORIZEDINQUIRIESONMYREPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
Company: Experian Information Solutions 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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/XXXX/ Experian & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT :  {$380.00} XXXX XXXX XXXX ACCT : unknown AMT :  {$440.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX/XXXX XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with XXXX, Ex, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, XXXX and Experian, However, XXXX  ( which is the Bureau that previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX  and Experian all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20
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:
XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX For XXXX/Equifax/ XXXX & Attorney General/Consumer Finance/XXXX. 
RE : Request to Block Unauthorized Collection Accounts and Inquiries from Credit Report under FCRA 605B I am a victim of identity theft. These accounts were established using my personal Identification without my authorization. The information listed below, which appears on my credit report, is the result of identity theft on the affected accounts are listed below. 
This information is inaccurate and you have never sent any information to me indicating that the data Furnisher verified it as valid. I am stating to you that it is NOT. And you MUST REMOVE IT IMMEDIATELY! 
You must provide documentation as of its accuracy or remove it immediately without prejudice. 
XXXX XXXX XXXX ACCT : unknown AMT :  {$380.00} XXXX XXXX XXXX ACCT : unknown AMT :  {$440.00} Also, the following unauthorized Credit Inquiries will be removed immediately without prejudice : XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX  XX/XX/2020 XXXX/XXXX  XX/XX/2020 I have enclosed my FTC Identity Theft Report showing the fraudulent items. 
I have continuously been in contact with Equifax, XXXX, and XXXX via the CFPB. Investigations have been continuously, with previous verdicts not in my favor from XXXX, Equifax and XXXX, However, Equifax ( which is the Bureau that  previously leaked millions on Consumers information and was the sole target of one of the largest data breaches in history ), has not complied and WILL NOT comply with this request. XXXX and XXXX   all seem to gloss over my request with pleasure. 
This is again a demand to remove and block such information from the report in question. 
Please block this information from my credit report, as directed by section 605B of the Fair Credit Reporting Act, and notify all furnishers of this information. 


I appreciate your prompt attention to this matter, and await your reply. 
Sincerely, XXXX XXXX XX/XX/2020 XXXX

Company response to consumer: Closed with explanation