BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-14
Company: Fay Servicing, LLC
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
My mortgage was sold to Fay servicing in XX/XX/XXXX. I was on a trial payment with XXXX XXXX in XXXX for one year, but they transfer my mortgage to Fay in XXXX. My XXXX payment was collected by XXXX in XXXX because when I received the transfer notice was after the dued date. Fay servicing is saying that I am in default because I did not make any payment for XX/XX/XXXX. I forward to Fay servicing, but they refused to acknowledge the payment. I continue to make the agreed payment by the courts and XXXX  of XXXX from XX/XX/XXXX till present, but Fay servicing returned my lost three payments ( XXXX, XXXX, and XXXX ). I spoke to the customer support person today and I was told that my house is in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am so stressed and so disappointed that this is happening to me and my credit report. Not only is it very embarrassing, it is clearly either your fault or the company 's fault for reporting this inaccurate information. Remove late payment annotations and update to paid now or as agreed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19
Company: EQUIFAX, INC.
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 resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXXBalance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$5700.00} ; XXXX XXXX XXXX Balance XXXX {$1800.00} ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GU XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting 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:
I am not willing to contact these companies because once I do they have the ability to consider me a " customer '' and my " do not call '' won't be recognized. Not like it is anyway, the laws are not very clear with do not call and why I get so many calls that should not be authorized. But I looked into my credit report and see soft inquiries ( and I understand these as I own a mortgage company ) from the following companies that I did not authorize to obtain my information. I have not provided these companies with my social security number nor my personal information so how are they able to access my credit via a " soft pull ''. 
These are the companies : XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX I am very uncomfortable with the fact that our national bureaus are selling our information to other individuals when they make an inquiry with a like company. When will the government stop allowing something as critical as my social security number and credit information be shared for the financial gain of the bureau? 
I am looking for a response from the CFPB not these creditors, I would like the CFPB explain to me how they are " protecting '' consumers with these activities?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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:
Inquiries on my credit report that arent mine

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17
Company: Cawley & Bergmann, LLP
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This agency contacted me by phone on or about XX/XX/2023 about a debt I have no knowledge of and do not owe. I advised this verbally and was assured I would receive documentation by mail. To date, I have not received any documentation of the alleged debt. Furthermore, I sent the attached letter on XX/XX/2023 and have not received a response. Despite the debt being in dispute and completely unverified, it was reported to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The following items continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). If you do not verify these accounts, I will bring legal action against you. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-10-18
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting 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 XXXX  XXXX XXXX XXXX  Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor ; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

( d ) Consumer defined For the purpose of this section, the term consumer includes the consumers spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called XX/XX/XXXX, and XX/XX/XXXX after being unable to link an external account to transfer money out of capital one account ( even though my external account already appears to be linked and I have paid my capital one credit card with it ). They told me I needed to add external account seperately for checking account which I tried to do but it still says " oops we've hit a snag '' and won't allow me to. I've been trying to transfer money for a week and capital one will not allow it. I will be closing my account with capital one as I'm very unimpressed with their banking services but may need help in getting my money out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: FL
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've found that my credit report has erroneous information for the second time. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-09-01
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a 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 : XXXX XXXXXXXX Balance Owed : {$340.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$7400.00} XXXX XXXX XXXX Balance Owed : {$970.00} XXXX XXXX XXXX Balance Owed : {$7200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-16
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
This PNC account at was my father 's, who passed away on XX/XX/XXXX. I went to the XXXX XXXX NC branch prior to his death and presented my POA papers to scan/fax to the appropriate department. After his death, I went to the XXXX, NC branch and took his death certificate and paperwork from the attorney and asked what additional paperwork I needed to be listed on the account. They said there was no record of any POA paperwork on the account or my name anywhere on his account. I told them we would be selling the property to pay off the account. They took my paperwork and faxed it to some department ( not sure where? ), and told me to check back in a week. I went back the next week and they said there was no record of my paperwork and they would need to fax it all again. They assured me I had everything I needed and it would get to the right department and to call back in a few weeks. I called back a week before closing and there was still no record of any paperwork or my name on this account. By XX/XX/XXXX, the closing attorney said we could not close because I was not listed as successor on the account. On XX/XX/XXXX I went to the XXXX, NC XXXX branch and again had them fax all of my paperwork in. They sent me over to speak with XXXX XXXX at the XXXX XXXX. XXXX called XXXX XXXX at the XXXX office who was extremely rude and told me that I had not turned in my " successor packet '' and there was no way we would be closing on Monday. This was the first time anyone at PNC informed me of the packet. XXXX was kind enough to print off the packet information and FAX it again to the probate department. XXXX would not let him email it. I went home and contacted the probate department again and XXXX XXXX asked me to email it to her. She asked for my previous marriage licenses. Which took me until Monday XX/XX/XXXX to get. This pushed closing back to the XXXX. I was told I needed a letter from PNC stating the account was frozen so I contacted them on the XXXX asking for that. Probate again told me they had to send a request off to another department but would escalate it. I specifically asked them to email it, however I found out this morning they mailed it instead. This will push closing back again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-11
Company: Experian Information Solutions Inc.
State: TX
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please delete these items immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-22
Company: Experian Information Solutions Inc.
State: TX
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:
Accounts are Listed on Credit Report that are Reporting Late payments, Chargeoff, and Write-off. These accounts are closed and Creditors refuse to send 1099..Credit Bureau won't remove inaccurate information because all 3 can't be active at the same time. Also reports from Child Support as well as Bankruptcy XXXX which the Courts Haven't Provided. But are included in my Reports. We are currently seeking a Home and this Process isn't working please help. XXXX XXXX and Experian are not helping

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 2023-09-01
Company: EQUIFAX, INC.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
The current issue is causing me significant distress and is having a negative impact on my sleep. It is challenging for me to accept this situation. I implore you to take immediate action to update my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: MOHELA
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I submitted Feedback Case # XXXX on XX/XX/XXXX to FSA regarding incorrect counts towards PSLF. I have been employed at nonprofits since XX/XX/XXXX which all has been certified to FSA and Mohela. It seems that the months of XX/XX/XXXX through XX/XX/XXXX, XX/XX/XXXX through XX/XX/XXXX and XX/XX/XXXX through XX/XX/XXXX are missing in my counts. My loans are currently serviced by Mohela due to PSLF and they are in administrative forbearance forced by them and they claim they didn't receive my change in income documentation that was submitted to FSA when I applied for an IDR plan, which I have resubmitted. I do understand that they are extremely busy with loans going back into repayment after the pause, but it is stressful. I have attached all of the employment certifications.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-18
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My name is XXXX XXXX XXXX. This letter I tried to send to Chase Card services. The card that was used had the last four digits XXXX. I did not use that card on XXXX and XXXX for those 5 charges you added back to my card in XXXX. I sent the letter below to my job because I was in the XXXX  on XXXX to get XXXX. I was home on XXXX following my XXXX XXXX to prepare for the XXXX. I was put on a XXXX XXXX  at XXXX XXXX on XXXX. This letter below I sent to my job to be excused from work. I have an email from you asking did I recognize a charge someone tried to make at XXXX XXXX over XXXX which thankfully chase declined on XXXX. I responded no I did not make that charge. You changed my card. I did not get it. I believe someone tried to use that card and you canceled that card and sent me another card. Yet, you say I made charges I did not make! I want you to take all these charges off my card! Those charges were on XXXX  and XXXX  that you added back to my bill. I I have been a customer too long to be treated like this! Below is the letter I sent to my job that proves I was in the hospital on XXXX. I was told to send this letter to the email provided by your staff. It was sent back to me as undeliverable. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-22
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting 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.

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 inructions 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 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 2023-02-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 
See the documents attached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have asked for this debt to be validated. The company has failed to do so under the law. Because of this adverse action i have been denied credit, employment, insurance, or other benefits based on information in a credit report. This is on all credit bureaus XXXX, XXXX and XXXX

Company response to consumer: Closed with explanation