BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-05
Company: Fay Servicing, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Fay Servicing Company is a sham. My account was sold to them back in XX/XX/XXXX I  believe, of XX/XX/XXXX. I turned XXXX on XX/XX/XXXX and received a letter from the tax office about my homestead exemption. I immediately sent proof to XXXX as requested. XXXX told me that my account would go down {$200.00} or more. I was glad as I am a single parent with a young child. My account was sold soon after, and Fay Servicing account manager gave me the figure of {$240.00} decrease. Therefore, I sent in the balance each month with the account manager saying they had to wait on the tax rolls. When the got the tax rolls, they continued to charge the full price, all the while sending me letters of foreclosure and several people came by my house placing embarrassing letters attached to my door. Certified letters were also sent, offering short sale. I the account manager over and over that I had no intention of letting Fay Servicing take my home. I had asked for help when they bought my account because I was one month behind. We decided on a modification all the while they threatened me foreclosure although I was sending the correct amount each month, I thought. In XX/XX/XXXX I was told the modification was denied because it had been too soon to receive another one. All the efforts that I had to put in and all the time I waited was a joke. So, in XX/XX/XXXX, I sent in {$1500.00}, but still got a demand letter and another person brought me a letter. I tried to pay more on the account, but they won't accept it and the account manager will not call me back. Also, they have an escrow overage that they kept telling me that was going to be sent, but I never received ( {$390.00} ). Other employees told me that my account manager had released the demand letter. I am also taking XXXX which I told the account manager and had to stop working.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: Experian Information Solutions Inc.
State: TN
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 decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX  XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : 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 2018-02-17
Company: JPMORGAN CHASE & CO.
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:
Chase bank apparently conducted hard pulls on my credit 6 days apart last year and wont remove them. I don't understand why one place would need to hit me twice in one week, often it takes a month or two for my credit score to update changes. It is hurting my credit score, and I have never had any delinquent marks or accounts or payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: The Law Offices of Gerald E Moore & Associates, PC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
There is a collection item on my credit report. 
I have tracked down the collection atatormey. For the past month I have asked them to provide detail and proof of what I owe if I owe and they say they will mail it. 
I still have not recived any information and on the last call the attorney hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: ERC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made an agreement on a pay to deleted with Enhanced Recovery Collection. I paid the debt over two years ago and they were to send all 3 credit bureau a letter to have this account removed from my credit report. As of today is showing as a negative collection on XXXX, which is affecting me trying to fix my credit score and report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  is reporting me with late payments and that card belongs to my dad.

XXXX XXXX is reporting 2 credit cards with late payments and those cards belong to my dad

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
Capital one is reporting an open account on my XXXX  and XXXX in the amount of {$2000.00} that does not belong to me. 

On my credit report Capital one shows this alleged debt was sold to a collection agency and both Capital one and the collection agency are both trying to collect double on what appears to be fraud. 


I do not have any open accounts with Capital one and this needs to be removed from all 3 Credit reporting agencies immediately, Capital one is sending the credit bureaus inaccurate information which has caused me to be denied loans and job employment

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XXXX XXXX listed a debt collection on my report for an amount of {$3200.00} for a wireless phone bill. On XX/XX/XXXX, I wrote them informing them that this is a fraudulent account that I am unaware of reporting on my file. They sent back a itemized bill which is not giving me no information on this account. So I wrote another letter on XX/XX/XXXX requesting a debt validation letter for this bill which they say I owe. It was noted that they received my certified letter on XX/XX/XXXX.They sent back another itemized bill which is NOT validating that debt. They could not produce a validation bearing my signature. So I wrote them again on XX/XX/XXXX informing them Per the Federal laws, its my right to validate any debt from collection agency. I requested a debt validation bearing my signature to prove I owe this debt, they have not been able to send this to me. So on XX/XX/XXXX I wrote to the 3 credit reporting agencies informing them that this company has not been able to produce to me any documents bearing my signature. And on XX/XX/XXXX the 3 credit bureaus has informed me that this account was verified and updated on my account. With no proof of my signature to prove I owed this debt. I request a full removal of this debt associated with any of the credit reporting agencies ASAP.

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 2021-02-24
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Simple. This debt came out of nowhere. I owe nothing to any fire department, anywhere. I have never received nor required fire department services. This debt does not corresponds to me.

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 2017-08-02
Company: HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY (HESAA)
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XX/XX/XXXX New Jersey Higher Education Student Assistance Authority Re : XXXX XXXX Student Loan XXXX XXXX Amount : XXXX, XXXX To whom it may concern : I do not acknowledge the debt you claim I owe you. Any such claim that your are asserting is time barred by the applicable Statute of Limitations. Any further efforts or actions from you, or any communications to me, my family, or anyone regarding your claims may be a violation of the Fair Debt Collections Act, and if so I will look to pursue my rights. This debt which you claim that I owe is based upon a private lender XXXX XXXX and is beyond the Statute of Limitations. There was and is no communication from this private entity stating the debt was transferred or otherwise placed in the hands of another collector as required by law. New Jersey Higher Education has no legal right to collect upon this debt from a private lender. New Jersey Higher Education is also a private lender. Private lenders can not garnish your wages or levy your income taxes. Further, this loan was originally for XXXX, XXXX, in XX/XX/XXXX XXXX XXXX filed a claim with government and was paid for this loan by insurance. In XX/XX/XXXX New Jersey Higher Education filed a claim with government for XXXX for the same loan. Again I will state that by law inasmuch as this was a private loan that has already passed the Statute of Limitations and there is no communication from the original creditor namely XXXX XXXX, that the debt was transferred or otherwise place in the hands of another collector as required by law, you have no legal right to collect upon this debt. I look forward to hearing from you in response to my denial of this debt. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
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 have disputed the items circled in my attached report and they have failed to address these items in a timely manner. These items are unknown and need to be deleted from my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
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:
I am a victim of 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 non-monetary relief
Consumer complaint received 2018-07-06
Company: GLA Collection Company, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
gla amount {$37.00}, they kept calling me suppose a bill from XXXX XXXX that was years ago i never got a bill they wanted the money over the phone i ask them to sent me a bill a and they refused, i called XXXX XXXX also asking for a bill and they said they didn't have one to give i have been harrassed with numerous phone call all i ask them to send me a bill that has impacted my credit score i went through XXXX they kept sending me email it would be another month, i check it again it was close with no information, please can you help me to have this taken off my credit score, or just have them to send me a bill.i told them what would they do if someone you never heard of calls wanting money over the phone and nobody will give you a bill it feels like a scan to me.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-29
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'm nervous and shocked! My credit score is so bad! What happened to my account? I cant even sleep and eat! Someone hacked my personal information because otherwise I don't understand how I get these accounts on my name

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received 2 1099-Cs for XXXX One in my wife 's name and one in mine. This loan was payed off in full in 2019 and there was NEVER any cancellation of debt. Called and spoke with customer service. She was professional and polite and started talking about having a modification etc. which I never had. She confirmed with their loss mitigation department that there was no modification in the past. She sent an email to the department responsible for sending out tax notices. I'm filing this complaint to put it on the record that this has happened in case it is a systemic issue at Wells Fargo affecting other people. Given Wells Fargo 's history of deceitfulness and lack of integrity, I felt it necessary to immediately file this complaint. Also, as a person who has completely paid off what started as a XXXX dollar mortgage in a shade over 15 years and prideful about that accomplishment, just the mere insinuation that I was ever in default of any kind is a direct offense to me, and further substantiates why I will never do business with Wells Fargo again. Way to go on accusing a timely paying customer of having a default and cancellation of debt.

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 2020-09-09
Company: Lending Club Corp
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been paying on a past due account ( Lending Club ) to XXXX XXXX for over 1 yr already and every time they try to settle with me and I tell them I cant they get very upset. The representative XXXX XXXX is very unprofessional and rude on the phone. She contacted me on XX/XX/2020 at XXXX XXXX and wanted for me to settle my past due account and I told her I cant but that I can continue paying the {$75.00} I have been paying for over a year and she said no and started yelling at me. She said you owe {$1600.00} and I need you to send payment immediately to them. She did not let me speak, she just yelled over me and said that if I wasnt going to send the entire balance then she was going to call me every day and also threatened to call my job. I have been paying them monthly and I dont think its right for them to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
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: Was not notified of investigation status or results

Complaint:
I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX, XXXX   XXXX XXXX, XXXX, DEPTEDXXXX, XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, Company Inquiries : 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 explanation
Consumer complaint received 2021-07-06
Company: EQUIFAX, INC.
State: NV
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:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Hillcrest Davidson & Associates
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX a debt collector : XXXX XXXX Commercial Account Specialist Hillcrest, Davidson & Associates L.L.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX ext. XXXX Direct XXXX Office XXXX Fax www.hillcrestdavidson.com Started texting me threating to subpoena myself and my ex-wife over a debt I have no knowledge of from a company associated to me previous to my divorce. After harassing text the calls started. Over and over again i was contacted even after I asked the debt collector to stop contacting me. Then over and over the debt collector contacted me using my address book to generate call from numbers I know but actually the debt collector was pretending to me my Mother and others in my contact book. I recorded all the calls, texts and false numbers. I have an app that shows where the real call is being generated and even though the number show people in my contact they all come from that debt collector. I have filed a police report and hired an attorney but the debt collector refuses to stop communicating, falsely impersonating my contacts and threating to call my friends and family to quote " tell them im a degenerate '' and other terrible things. I have recorded audio, images and video proof of my claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: AR
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 bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report. XXXX/XXXX  XXXX {$650.00} XXXX XXXX   XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-17
Company: ALLY FINANCIAL 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXr Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX Inquiry from XX/XX/XXXX + Miscellaneous Reptg. Agencies XXXX XXXX XXXXk XXXX Inquiry from XX/XX/XXXX + All Banks XXXXr Inquiry from XX/XX/XXXX + Miscellaneous XXXX XXXX  Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX Inquiry from XX/XX/XXXX + Telephone Companies XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + All Banks XXXX XXXX XXXX  XXXX Inquiry from XX/XX/XXXX + Automobile Dealers, XXXX XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Auto Financing XXXX Inquiry from XX/XX/XXXX + Miscellaneous ReptgXXXX Agencies XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX + Auto Financing XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX  Inquiry from XX/XX/XXXX + Department & Variety Stores XXXX Inquiry from XX/XX/XXXX + Utilities & Fuel XXXX Inquiry from XX/XX/XXXX + Automotive Ally Finan I Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX Inquiry from XX/XX/XXXX + Misc. 
XXXX XXXX Inquiry from XX/XX/XXXX + Automotive XXXX XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Finance XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXXXXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Finance XXXX XXXX Inquiry from XX/XX/XXXX + Bank

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