BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: Fay Servicing, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Faye Servicing bought my loan from XXXX XXXX in XX/XX/2019. I began making payment to Faye Servicing in XX/XX/2019. Faye Servicing does not take electronic payments, the payments are sent by paper check, usps mail. XXXX shows the date my payments are delivered to Faye Services payment address. My payments always arrive prior to the late due date the XXXX of each month. 
Since XXXX it takes Faye Servicing XXXX days to post the payment to my account. I get statements showing my payment is late and or has not been received and constant collection phone calls for a payment they have in their possession. 

I'm told it takes a while to get from their mail room, well that's not my problem that they don't have adequate staff to promptly pass on my payment to the department that cashes the check and the department that cashes the check doesn't update my account that the check has been received and even after it has been cashed by my bank, it still is not updated in their internal system so I keep getting collection calls. 

XXXX payment-check from XXXX delivered on XXXX check # XXXX {$1200.00} was cashed on XXXX per my bank statement. it is now XXXX and I'm being called and told my payment has not been received. 

1. Ongoing and continuous problem every month 2. for XXXX it took 13 days from when they received my payment to cash it 3. 6 days after it has been cashed, I'm being called 2/3 times daily told they have not received my payment. 


4. I do not receive an updated statement after they finally communicate internally and reflect my payments. 


5. I've called in XXXX, XXXX & XXXX about their slow processing of my payments trying to be proactive with no fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I contacted XXXX, XXXX, and Trans Union several times about fraudulent activity on my account. I sent my XXXX drivers license and passport serveral times and can not get 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 2021-09-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied with Chase to refinance my current mortgage loan. We came to point where I was told that my loan has been conditionally approved, and that I will have to provide additional documentations. Also I was told that they need to have my property appraised. earlier I was asked to pay {$500.00} as earnest money, which to my is understanding will be added to whatever charges to be included to my loan. 

About a day after, I received a better offer from another company. Hence, I immediately contacted my Chase Loan Advisor and Client Care Specialist that I have decided to decline Chase 's offer. Chase even offered to possibly match, if not beat the other company 's term. 

Later I emailed my Chase Loan Advisor to inquire about my {$500.00} deposit and I was told that since I was the one withdrawing, my {$500.00} is not refundable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-05
Company: CITIBANK, N.A.
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: Account information incorrect

Complaint:
Citi bank refused to push an update with the accurate balance to my credit report after paying down the card {$8000.00}

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 non-monetary relief
Consumer complaint received 2019-07-27
Company: Experian Information Solutions Inc.
State: TX
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:
inaccurate information showing on credit report. this is a FTC violation.

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 2021-10-09
Company: CITIBANK, N.A.
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:
Im filling a complaint because I'm a victim of identity theft. I have already notified XXXX and the creditors. They have yet to remove these accounts. I noticed unauthorized credit card and an address on my credit report. I looked at my credit and discovered accounts under my name that I have never applied for or authorized. Therefor they are fraudulent. These accounts include. 

XXXX Accounts : XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY 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 2019-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon monitoring my credit reports because of identity fraud this new account appeared on my transunion report and called the place but was put on hold then someone hung up on me! I disputed this account XXXX XXXX and immediately sent FTC report to Transunion and to XXXX XXXX! Transunion received my certified mail with the FTC report copy of ID and such and did not do anything about this fraudulent account! They did not investigate it! I disputed this fraudulent account once again and transunion still has not done anything about this! They sent a letter stating that they would not be blocking this fraudulent 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 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have 30 day late payments on my credit report and have tried to dispute it but. I keep getting blown off. I sent the first letter requesting back up for the bad information that was on my report and waited 30 days no reply then I sent a second registered letter waited anouther 30 days for a response they sent me some letters that had nothing to do with what I asked for. they ca n't do what ever they want they need to abide and required by law, under the FCRA, to have properly verified the accuracy of an account listed on my credit report. they recently replied and said in the results of your first re-investigation, that you verified that these items are being reported correctly.
formally requesting the following : 1 ) Where are the documents that you used to verify these accounts?
2 ) What is the name of the person in your company who verified these accounts?
3 ) What documents did they use to verify them?
4 ) Please provide me with the name of that individual, their business address, and telephone number.

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 2019-04-16
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:
one public record is reporting under my experian credit file, which i have never filed any bankruptcies, only experian is reporting this inaccuracy and i have placed few disputes but so far it has taken me no where, i will be attaching the few documents that i had also provided experian. please find attached the documents. 
this inaccurate bankruptcy does not belong tome, this is someone else information reporting under my name, please help me to dispute and remove this inaccuracy from my credit file thank you

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 2021-11-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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: Was not notified of investigation status or results

Complaint:
I ATTACHED MY PERSONAL IDENTIFICATION WHICH IS MY LICENSE AND SOCIAL TO THIS COMPLIANT. 

I sent a letter on XX/XX/XXXX but no response from Transunion. I will send the letter from XX/XX/XXXX and a new dispute letter with dates XX/XX/XXXX. 


The following accounts are violation of my consumer rights and causing me pain an suffer to buy a home for my family! These accounts were remove by XXXX and XXXX due to violating my rights.. I'm expecting same results from Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dpt EDXXXX XXXX PLEASE SEE ATTACHED ALL NECESSARY DOUCMENTATION

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 2019-04-05
Company: Top Used Cars, Inc
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Confusing or misleading advertising or marketing

Complaint:
The dealership told me that I was denied because I received social security disability. And stated " you people made me lose over {$80000.00} dollars ten years ago ''. Al awhile I was still qualified for one of their used buy here pay here vehicle.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I settled and paid a debt with Enhance recovery collection agency then requested that the account be removed from my credit report because Im trying to buy a house. My score dropped down 35 points because of this and Im still trying to recover from this point drop. I was told that they do not remove anything and that a manager would call me back. 

I was passed around from one agent to another and none we able to help me. As of today, I have yet to receive a call from a manager and the collection remains on my report and has a huge NEGATIVE red for the month of XXXX when this was legally paid in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: EQUIFAX, INC.
State: AZ
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 several accounts were opened fraudulently. I have a identity theft affidavit and police report. Equifax hasn't updated or fixed the inaccuracies on my credit file. The accounts that need to be deleted are as follows. XXXX  XXXX # XXXX, Dept of ed/ XXXX  # XXXX three accounts were opened XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX  XXXX XXXX  {$2900.00} opened XX/XX/XXXX, XXXX XXXX  opened XXXX XXXX {$73.00}. All these accounts are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I had XXXX I 'm not sure when I contracted but when I did the installer had to enter my home through the attic. The room where the attic is located in a room I rarely enter so I did n't notice that the installer damaged my property until later. I notified XXXX on a call to them while addressing another issue be it there poor service which went out quite often or an occasion where a representative was very rude to me and refused to transfer and I had to escalate the call. At any rate, I ended up canceling the service when they renigged on offering a payment plan and then said they did n't and it was just one thing after the next. They threatened to take funds out of my account which I did n't have and said that is what I agreed and then refused to send me the contract. When I mentioned the damage they then sent me on a wild goose chase to file a claim for which the company has no affiliation with them. Some of the interactions were just simply unprofessional and not very helpful. When I finally received a call from a collection company I informed them of the damage and advised that I was disputing the amount which is {$100.00} and asked if I needed to place the information in writing the representative stated no. I did n't receive any additional calls from them. It 's the New Year so I wanted to take a gander at my XXXX and low and behold who has placed a Collections on my file. I am still in dispute with this and feel that they should have investigated this claim that their employee damaged my property. Then they damage my credit this is unfair treatment but this is how they have been treating me since I 've made my claim. Please investigate XXXX and the Collection Agency : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX. You attention is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
After my mother passed away in XX/XX/2018, I took over her mortgage with the bank XXXX XXXX XXXX XXXX. In a matter of a month later the bank sold the mortgage to SPS ( Select Portfolio Servicing ). At that time the monthly payment was {$950.00} insurance included. 2 to 3 months later the monthly jumped to {$1000.00} then {$1000.00}. 

When I called them they asked me for some type of identification which so far was normal a step. Things were going smooth until an expert asked for more proof without telling me what exactly he needs from me. I provided them all documentation I could find including the quit claim deed that was made with my mother 's name and mine but still it was not enough. every time I call I got a different answer until on employee told me that what i needed was a court order or a deed. 
I went to the court and filled an application for guardianship and/or a probate letter. 
It did not workout well because having no experience I made mistakes filling it. 
Then I took a lawyer who corrected my mistakes but at the end the judge dismissed the case because my sister death certificate made in XXXX was not their way or some sort. 
In the mean time SPS does what it wants I feel that I have no right to do anything while I keep paying the mortgage. 
In the middle of the COVID-19 pandemic they raised the monthly payment from {$1000.00} to {$1100.00}. 
I keep asking myself what next? 
I don't understand why the court is not helping us the little guys. They know who I am, they have all the data.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-06
Company: AMERISAVE MORTGAGE CORPORATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
ISSUE : Closing on refinance with rental property prior to increase in fees to homeowners by XXXX XXXX and XXXX XXXX in XX/XX/XXXX. 

Explanation : My name is XXXX XXXX and on XX/XX/XXXX ( over 10 weeks ago ) I applied with AmeriSave to refinance my rental property located at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MD XXXX in XXXX XXXX. My property is a condominium. My credit score is over 750, my debt to income ratio is great/not a problem, and I have turned over/uploaded all requested documents to Amerisavie without any delay. Despite this, AmeriSave has been misleading me and intentionally dragging-out my closing so that I will be charged or assessed more fees to refinance due to the pending increase of fees that will occur in XX/XX/XXXX by XXXX XXXX and XXXX XXXX. Amerisave loan officer ( XXXX XXXX XXXX and his XXXX XXXX XXXX ) ) alleged supervisor ( XXXX XXXX XXXX have stopped communicating with me regarding my refinance. I sent them an email on XX/XX/XXXX asking about the status of my loan and received no response to date ( XX/XX/XXXX ) from the loan officer or his supervisor. This company also lied to me and said they would lock my interest rate and never did. I checked my portal with amerisave on XX/XX/XXXX at XXXX today and still no update, no closing date, nothing. It just sates there is nothing more I need to do in order to move my loan forward. Amerisave also had me change my mortgagee with my insurance to Amerisave on XX/XX/XXXX and still never closed on my loan. This is outrageous and Amerisave 's behavior has been unprofessional and misleading and that is me being generous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I phoned XXXX XXXX ( XXXX ) XXXX on X/X/17 to pay off an outstanding medical bill of {$1100.00}. The person onn the phone said there was an additional {$740.00} in interest that they added to the bill. The person I spoke with used harassing language, yelled at me and said they would not allow me to pay the bill and terminated the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-28
Company: MoneyLion 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: Account status incorrect

Complaint:
At the advice of legal counsel I am submitting this complaint again with the new developments that have occurred. I had an account with MoneyLion that is now paid off but is still being reported as " currently 90-119 days late '' on my XXXX credit report, 90 days late on my XXXX  report and 30 days late on XXXX. As stated in my previous complaint, I was under the impression that MoneyLion had me on a payment plan to prevent an ongoing past due status. When I made attempts to make payments, MoneyLion would bill my bank for {$36.00} over 5 times on the same day, which caused me over {$300.00} in overdrafts fees on on occasion, and {$100.00} on the second time it occured. Due to MoneyLion 's failure to provide me with a proper statement, or send proper communication regarding this debt, I never had any idea of the account 's status. After my previous CFBP complaint, MoneyLion refused to speak to my on the phone since I advised them I would be recording the call. MoneyLion then stopped responding to my emails which eventually led for me to ask for arbitration to settle this matter. I never head anything back, as you can see in the attached evidence. MoneyLion continutes to cause me harm with this account, as the currently deliquent remarks are preventing me from living a normal life. Especially the 90 day delinquent notation. Incuded is a recent adverse action letter that mentions the " Current 90 days late '' and the " delinquent account '' as reason for the denial. MoneyLion is the only account reporting delinquent on any of my reports and I can not get auto insurance for decent rates because of it ( see attahced ). MoneyLion must  immediately remove all late notations since they changed the status of this account numerous times and each time has no rhyme or reason. This is a shady company and I can only imagine what sort of other usury and falseness is going on with their other customers. I would like to also go on record that I intend to peruse this as far as it needs to go, up to and including legal action, arbitration, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX/XXXX/2017 i have ( 3 ) inquired i call trasunion because im victim for XXXX they told me can be 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 explanation
Consumer complaint received 2017-09-26
Company: JPMORGAN CHASE & CO.
State: WV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XX/XX/XXXX I paid my Chase credit card bull in full. On XX/XX/XXXX an interest charge of {$52.00} was added to my XXXX balance account. I 've contacted Chase and they claim it is an interest charge on the balance due. My card was paid in full and I had a XXXX balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AK
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 below company has violated my rights. 

XXXX XXXX XXXX XXXX Account # 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 an account without my written 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