BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-14
Company: Fay Servicing, LLC
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Fay Servicing is currently servicing our loan ; however, we do not know if the owner of our loan is legit because they will not provide us with any information. We have sent 3 QWR requests to Fay in which they have NOT responded and will not provide us with the information. We have also tried to ask for a loan modification and assistance which we are more than qualified for but all they do is charge us more money when they or their lawyers do something on our account. We got ripped off by a company named XXXX XXXX XXXX when they took a bunch of our money and promised us that they would get Fay to answer our QWR requests and get us a loan modification but they didn't really do anything for us. We have now submitted more requests to Fay but they still have not responded. This has been a nightmare for us and we can not get Fay Servicing to respond to any requests for information that they are required to provide. They just keep ignoring our requests for information regarding our loan. Fay Servicing has been fined in the past for deceptive practices yet they are still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXXXXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$30.00} XXXX XXXX XXXX XXXX XXXX Balance : {$200000.00}

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 2019-01-16
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I took out a pay day loan XX/XX/2016 and I had surgery XX/XX/16 & XX/XX/16 which I became XXXX. I had every ententes to repay this loan but I became XXXX  with my XXXX  kids for almost 2 years. Now this company is harassing me, threatening to sue me, threatening to come to my home, threatening to come to my job, and continues to harass me on my cell while Im at work. I explained that I was willing to pay my original loan off but they want to charge me over {$700.00} or threaten to sue me. These harassment calls need to stop. This is a party acting on behalf of ACE CASH EXPRESS! They called me from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I did not initiate these Accounts and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

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 2020-11-24
Company: EQUIFAX, 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:
Dear Equifax, To whom it may concern ; i am challenging the incorrect information provided on my credit report and request immediate deletion. Equifax violated the law by reporting a monthly payment on a closed account, reporting incorrect past due amount on a closed account ( there should be no past due amount on a closed account ), and reporting a past due amount on a collection account. I want these accounts deleted from my credit report immediately. 


On the week of XX/XX/2020 i signed up for online monitoring and noticed Equifax is reporting incorrect information on my behalf. I reached out to Equifax for the first time via USPS certified mail with tracking number XXXX. 
Equifax responded with a letter informing me they needed an additional 15 business days to investigate. Keep in mind Equifax is reporting an incorrect name and is using my full legal name as an alias. There are accounts that have different names, social security numbers, and incorrect addresses that Equifax " verified ''. I know that there has been no investigation conducted because i have been getting letters with different names and incorrect accounts. Equifax mailed me a letter with the incorrect name and notified me these accounts have been " verified '' and the investigation is closed. 
I mailed a copy of my drivers license, passport, social security card, and car lease statements with my correct mailing address and name. 

Who is verifying this information? Did Equifax follow FCRA law and conduct an outside investigation? No. I asked for documents that i am legally entitled to for verification and Equifax could not even find a single document linking me to these accounts. I reached out another time on XX/XX/2020 with USPS tracking number XXXX. 


I asked Equifax to update the information and remove all other incorrect names. 
In addition Equifax is reporting incorrect credit limits, incorrect comments, and monthly payments on closed accounts. Is this against the law? Yes and Equifax needs to be fined {$1000.00} for each account they are reporting incorrectly on my behalf. 
I ask Equifax to delete all the incorrect information off my credit report and correct my personal information. I do not want a response unless it's parallel with the FCRA. You can not " update '' a fraudulent account because it is not 100 % correct and therefore according to FCRA Equifax is not allowed to report this account and must delete it. Is this information is not deleted from my credit profile i will pursue a lawsuit against Equifax by using the documentation i have against Equifax. 

I have begun attached a copy of my communication complaint to the attorney general of Texas about Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-11
Company: Mr. Cooper Group Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I've been contacting MrCooper to get my check reissued for over a year, and nothing was done. Check # XXXX for {$1700.00} was expired and needed to be reissued since XXXX, but I still don't have my check. I've contacted them again, and they said they did put a stop payment on check XXXX and sent out another check. Still, I've never received it. I contacted them again, and they said they'd put a stop payment on check # XXXX, and another check was on the way. Here we're in XXXX, and still, no check received. I've contacted again, and now they're saying, " our records show that there are no checks to be reissued. '' They're completely lost there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Coinbase, Inc.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I've had an account with Coinbase for a couple years. On XX/XX/21 I had {$300000.00} on my account at XXXX and at XXXX the account read {$0.00} funds and no record of previous transactions. Most of the cryptos were in a vault where it would be a 2 or three day process to take out the funds even for me. There is also a XXXX authenticator which changes codes every 10 seconds to access the account.

I have been trying to contact Coinbase ever since. There is no Phone support and I've sent at least 20 e-mails and they have not responded. I don't even have a case number for this situation. A few days ago trying to log in to my account it said I was required to change passwords and an e-mail would be sent. No e-mail was ever sent. I've done this many times.

Something is very wrong. I've had to recover my account before and there was no problem

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-27
Company: M&T BANK CORPORATION
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I requested to opt out of my escrow account and the request was not approved. My initial mortgage company ( XXXX Mortgage ) gave me the option of paying my own hazard insurance and county taxes because of the amount of my down payment. It was my understanding that my current mortgage company would honor the same provision of the original loan. Since M & T Bank took over my mortgage I over payed my mortgage by over {$7000.00} the first year ( XXXX ), and my mortgage payments for XXXX went from {$740.00} to {$2200.00}. This is because apparently they are unable do determine the amount of home owners insurance and property tax due at the end of the year. I am willing and able to make my property tax and home owners insurance payment directly to my insurance company and county tax office. Thank you in advance for your kind consideration in this matter. 

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 2017-11-02
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Company is IC Systems, XXXX XXXX XXXX XXXX XXXX XXXX MN. XXXX or XXXX XXXX XXXX XXXX They are attempting to collect for XXXX Pet Hospital, XXXX  SC. on a health contract for my Dog they XXXX. We have the XXXX report, if you need it. XXXX has many, many negative reports for doing the same to other customers. Also class action suits on file. They have listed me with 2 reports with balance of {$290.00} plus added on fees of {$51.00} each.

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 2023-03-15
Company: EQUIFAX, INC.
State: MI
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. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 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 2019-12-11
Company: CARS Acquisition, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/XXXX I was forced into a payment arrangement with no other options based off the branch my title is located. I was given the amount of {$470.00} but the last payment change in XXXX the week I was supposed to make a payment TO {$500.00} I was told it was a additional late fee added but the late fees are {$32.00} which is not adding up. I spoke with someone who stated to tell her which bill and she will decide if I can make the payment. I received a call Monday and inform the company I could make the payment of the {$500.00} on Thursday XX/XX/XXXX was told no and the collector hung the phone. I called back informed the next collector of what happen and to process the payment on my account for Thursday XX/XX/XXXX and received a confirmation number. The collector who processed the payment took the funds out of my account on Monday XX/XX/XXXX. I called to address the situation and spoke with the same collector, she stated I gave her permission which I told her there is a recording of the entire conversation. She then started to yell and hung up the phone. I called back and I ask to speak with a manager and collector told me he is busy. I also asked where was the office located to speak with a manager and the response was where your title is ( Title for the car ). Being this payment was processed without my permission on a day I did not authorize, I now have bank fees and my account is over drawn.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16
Company: Experian Information Solutions Inc.
State: NH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today, XX/XX/2019, I attempted to temporarily lift the freeze on my accounts at XXXX, XXXX, and Experian.

XXXX and XXXX allowed me to complete the transaction in just a few minutes online, using the PIN provided at the time the freeze was put in place.

Experian claims that you can lift a freeze online or by phone. I filled out the online form with all the information required ( including my PIN ), but was then told I would have to write a letter containing the same information, multiple copies of identification, mail confirming my address, etc.

I next tried to lift the freeze by calling Experian. No human speaks to you, you must place voicemail bingo. I entered all the required information, only to receive the same instructions about filing a written request. This has taken my about 1/2 hour of my time. Forget it. The account can stay frozen. If I could remove my information from Experian, I would.

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 2021-09-02
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I filed for unemployment with the Illinois Department of Employment Security in XXXX of XXXX. In XXXX of XXXX my former employer contested and I have been appealing the decision. As of XX/XX/XXXX a decision was made and I was granted benefits. I was given a lump sum payment for XX/XX/XXXX - XX/XX/XXXX that I did not receive while I was waiting on the appeal for a total of {$22000.00} that was sent to my Chase account on XX/XX/XXXX. I did receive two additional payments from IDES that were sent after the lump sum payment. I called Chase twice as well as IDES to figure out where the payment could have gone and neither had an answer. Today, XX/XX/XXXX, I wake up to a notice from Chase that my account is being closed and that Chase will be severing their relationship with me. I can only assume it is because they assumed that the {$22000.00} payment from IDES was fraud. This is the only major account that I use, all of my bill payments are connected to this account. I am now at risk of being kicked out of my apartment and my bills not being paid at the beginning of the month because Chase never thought to contact me on this issue to verify the payment. This is negligent on Chase 's end and I am seeking immediate assistance with this matter. I have attached documents from IDES to further prove the validity of the payment. Please contact me as soon as possible. I need immediate access to the payment that I did not receive from Chase of {$22000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: EQUIFAX, 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:
EQUIFAX INC. 

On XX/XX/2019 I retrieved a copy of my Credit Report, I noticed a collection account being INACCURATELY inserted by XXXX XXXX XXXX Account XXXXXXX on behalf of CREDITOR XXXX XXXX XXXX MD. 
This Account has been PAID IN FULL which means you are in VIOLATION of the FAIR CREDIT REPORTING ACT. 
FINANCIAL CREDIT NETWORK has provided me with a letter on their company letterhead verifying that the Account is PAID IN FULL that I will attach with this complaint. 
Not only are you in VIOLATION of the FCRA you are also OUT OF COMPLIANCE WITH METRO 2. Field 17a has INCORRECT STATUS INFORMATION and Field 21 has MISSTATED BALANCE INFORMATION because the Account is PAID IN FULL. 
EQUIFAX. Delete this INCORRECT AND INACCURATE ACCOUNT IMMEDIATELY and update your files. 
As you are well aware it is against FEDERAL AND STATE LAW to report INCORRECT AND INACCURATE INFORMATION on a Consumers Credit Report. 
EQUIFAX. Delete this entry immediately and provide me with a copy of the correspondence sent to the other Credit Bureaus XXXX  and XXXX XXXX directing them to REMOVE this erroneous entry as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-13
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 2023-03-15
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: Account information incorrect

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 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  THEY HAVE ALL 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 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 2022-09-14
Company: TD BANK US HOLDING COMPANY
State: NY
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 discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : NORDSTM/TD XXXX Date Opened : XX/XX/2019 Balance : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-22
Company: Experian Information Solutions 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 have found some negative accounts on my report that was not authorized by me and I would like them removed. This is an act of fraudulent activity and it is affecting my life! I have requested for these accounts to be removed and have not heard anything about this complaint, I hope my second attempt will relieve me from this act of injustice. I complained about two familiar fraudulent accounts and noticed they were removed and placed back on my credit which is illegal and wrong! I have attached my identity theft report number for your convenience the report number wasn't generated for some reason but it is attached to the report sheet that the system was able to generate for your review.

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