BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-13
Company: Fidelity National Financial, Inc
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
FORECLOSURE FRAUD : Disputed the amount owned on maintenance fees for Timeshare Property with XXXX XXXX. Sent numerous emails and received no response addressing my query on the outstanding balance. 
Apparently my property had been foreclosed on without my proper notification or opportunity to resolve. 
To date do not have access to my property nor any indication of the status. 
Have been trying to contact XXXX XXXX who have directed me to Fidelity National.
Fidelity National in return have directed me back to XXXX XXXX. 
Despite my many attempts to resolve, expressing my dispute on the amount owned, I have received feedback, notification, or information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Ditech is holding {$160000.00} of the insurance companies money. It belongs to me and to my contractor so he can repair my home from a fire that occurred in XX/XX/2018. Ditech has had the money for months which they insist I sign and endorse my part of the check so they could cash it. Now they are keeping it and won't give it to my contractor who has been paying for everything since XX/XX/XXXX. How is this allowed to happen. Ditech is the worst mortgage company on the planet and nothing is ever done about it. Why? I have filed other complaints on them and they are not required to respond and they just go on providing pathetic service, keeping money that doesn't belong to them, and they also don't allow you to pay additional monies prior to the due date online on their website without displaying incorrect loan information. Now Ditech is holding up the process of rebuilding my home and I am almost out of additional living expense and I need to move back to my home asap. I hope someone can help. I also owe very little on my home, approximately XXXX and it is worth over XXXX. Why is Ditech holding onto money that doesn't belong to them when I own the vast majority of my home. Why are these rich companies allowed to take advantage of consumers on a daily basis? Just another example of what goes on in America with no consequence for their actions. I am forced to move the remaining loan balance to another lender immediately in an effort to get away from Ditech. In my personal opinion and experience I consider Ditech a predator. I will never have another mortgage in this lifetime. I am tired of not having any rights and be treated unfairly. It's very unsettling and disappointing. I thought America was better than that but maybe not ...

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: LA
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:
It has been and on-going issue with XXXX, Equifax and XXXX as for my attempts to correct information on all three of the credit reporting agencies. They have allowed several unknown persons to change my personal information and have my mail sent to them. All of which I did not give consent to the credit reporting agencies, nor was I aware of the new address changes until XXXX, when I started trying to get my credit in order, only to find many questionable items on my reports. 

The Credit Bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, the date last reported is not accurate, listings of past due payments, collects dates, late payment all of which are inaccurate and unlawfully on my report. All three credit reports have completely different information listed on them. This is clearly grounds for removal they also violated my rights under XXXX XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

Also the credit reporting agency took more than 30 days to complete my investigation on these accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, 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 2018-11-30
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XX/XX/XXXX To Whom It May Concern, The reason for my dispute is XXXX XXXX XXXX # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). This account is a error as well as a duplicate showing twice for the same alleged status. 
However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. 
Also, XXXX XXXX XXXX. failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. 
Validations of date and Mini-Mirandi under Section 807 ( 1 ) XXXX    XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. XXXX XXXX XXXX # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under FDCPA.XXXX v. Heard XXXX XXXX ( Tex.App-XXXX XXXX XXXX XXXX. ) XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-XXXX   XXXX XXXX XXXX XXXX XXXX  ) I expect this collection account to be removed from my credit report. XXXX XXXX XXXX has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Finance of America Mortgage LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
The refi was to close on XX/XX/XXXX. All along it has taken back steps to process the a bunch of delays the most recent delay was that because the underwriter say that I had a different name on a document they insisted to know information about my divorce that occurred in XXXX even though my ex-husband is deceased. even after I have provided the death certificate ( which stats divorced ) they insisted that their staff would research the divorce and search for a final decree. In the meantime I think that I have been put through a process of delays to put me into a dire need to sign whatever the produce using the excuse that the found evidence that I did not disclose or whatever excuse the come up with for a bait and switch scam. 

The most recent problem today was that XXXX XXXX insisted that I provide homeowners insurance for my house in his co name, while my house is insured through My XXXX XXXX XXXX. The new insurance is in effect at XXXX XXXX tonight listed with Finance of America as ben,  while my XXXX XXXX XXXX is held with California Department of Veteran Affairs and is fully insured with XXXX XXXX. 

I informed XXXX XXXX that I am well informed that it is illegal to double insure and to hold insurance for a property that he has no rights to -- he in turn gave me a bunch of bs to state that he is just following rules XXXX XXXX Finance of America Mortgage LLC XXXX ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: ResidentCollect, Inc.
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:
I am applying for a mortgage and Resident Collect of XX/XX/XXXX, Texas put an item on my credit report that says I owe {$7000.00}. I had disputed this debt years ago, and requested the company give me a breakdown of the alleged debt and they failed to do so at the time.
Now, the piece is still on my credit report and I attempted to contact Resident Collect to get a letter clearing me of the debt. When they did not respond to me, I hired an attorney to discuss it with them and they emailed the case was closed to him. However, they did not provide him a letter, and later the same employed tried to email me directly and said I needed to pay {$3600.00} to solve the issue.
My lawyer, the credit company my mortgage company uses and I have all tried to get this letter and this issue close, but Resident Collect is unresponsive and uncooperative.
I need a letter clearing me of this debt, as the company that originally claimed the debt has dissolved and the statute of limitations for collections has expired in my home state, the state the defunct company is in and the state of the collection agency.
The mortgage company will not issue it until I get this cleared up, and we have tried to clear this matter for 4 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: CORELOGIC INC
State: AL
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:
Submitted a credit inquiry application without my permission

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 2017-08-13
Company: WELLS FARGO & COMPANY
State: CA
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:
Lately, past few months noticed my interest was {$68.00} on {$3300.00} balance. Is n't this way too high. I pay {$100.00} a month and only get accounted for only a few dollars. This past statement was for Wells Fargo, billing period XX/XX/XXXX to XX/XX/XXXX. Something has to be wrong. This is ridiculous.

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 2017-08-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX XXXX XXXX XXXX XXXX, TX XXXX  Equifax XXXX XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order.
The following inquiries are related to none of the aforementioned permissible purposes.
XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX, XXXX XXXX Inquiry from XX/XX/XXXX, XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX  Inquiry fromXX/XX/XXXX, XXXX XXXX-fla Inquiry from XX/XX/XXXXPlease remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX XXXX SOC SEC # XXXX DOBXX/XX/XXXXADDRESS XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Experian Information Solutions Inc.
State: AZ
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:
Hi, Ive been working to resolve an issue with Experian since XX/XX/XXXX. A company I financed a loan with reported my correct address, but my incorrect zip code. I contacted Experian ( and the loan company ) to fix this issue. The loan company fixed it in 1 phone call. The agent I spoke with under Experian was kind and friendly and said it would take 48-72 hours to resolve. 4 days later, when the issue was still present on my report, I called again. Another friendly agent said theyd help and to wait 48-72 hours. 4 days later, the issue was still present. I spoke with Experian on the phone regarding this same issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Somewhere along the way, an agent deleted my entire correct address. Now, instead of my report reading just an incorrect zip code, it has an address that is not even in the right state anymore. Ive spoken to a dozen agents and at least XXXX managers, have been promised calls back multiple times ( and they never call back ), and everytime I ask to speak to a manager they connect me to a different department that says they can not help me with my issue. At this point, I can not get approved for a loan, house, or even a savings account because my credit bureau doesnt match my actual residential address. I can not get ahold of anyone that will help and I have lost hope. I have no idea how to resolve this issue. Someone please help 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 2017-08-13
Company: HYUNDAI CAPITAL AMERICA
State: TN
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:
KIA MOTOR CORPORATION WAS INCLUDED IN MY BANKRUPCY WHICH THEY ARE SHOWING ON MY CREDIT REPORT AS UNPAID AND NOT PART OF THE BANKRUPCY. THE CAR WAS TURNED IN DUE TO BANKRUPCY AND APPROVED BY THE TRUSTEE AND WAS PART OF DISCHARGE. 
I OWE NOTHING TO KIA MOTORS OR ANY OTHER AFFILIATES ASSOCIATED WITH KIA, UPON TRYING TO GET RESOLVED WITH KIA, THEY HAVE NOT TAKEN THIS OFF OF ANY OF THE 3 MAJOR REPORTING AGENCIES AS OF TODAY. I ASK THIS BE REMOVED IMMEDIATELY AS IT IS HAVING NEGATIVE IMPACTS ON MY LIFE DUE TO KIA NOT HANDLING THIS PROPERLY KNOWING IT WAS PART OF BANKRUPCY. IF NOT REMOVED UPON RECEIVING THIS NOTIFICATION I WILL PURSUE ANY MEANS NECESSARY TO CLEAR THIS UP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-30
Company: MONEY SOURCE, INC., THE
State: CO
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
My home was damaged by a hail loss on XX/XX/2018. XXXX insurance promptly handled damage appraisal and issued a check for the amount of {$19000.00}. The check was endorsed by my wife and I, and The Money Source ( TMS - the Mortgage Company involved ) co-endorsed and released the check to XXXX XXXX XXXX XXXX ( the contractor installing the new roof and guttering, and completing the other repairs required ). There were additional repairs and costs that required a supplemental claim settlement and on XX/XX/18 XXXX issued the final check in the amount of {$2300.00}. My wife and I endorsed the check and forwarded it to TMS as we had before. 

It was at this point I started receiving notices form a company calling themselves " XXXX '' requesting additional documentation. I tried to log into their website on several computers utilizing both XXXX  XXXX and XXXX  XXXX utilizing XXXX XXXX, XXXX, XXXX XXXX, and XXXX XXXX. Both operating systems and all browsers returned the same message - " Hmmm, we are having trouble finding that site '' or " Server not found ''. When I called TMS Insurance department - on several occasions - they requested one document after another, saying that XXXX was handling the check but their records showed that ( and each time it was a separate document ) was incomplete, signed in the wrong place, or some other excuse. 

I can't just pay XXXX, I wouldn't be reimbursed because the XXXX issued check was made out to me, the wife, TMS, and XXXX XXXX. The contractor wants their money, and this will end up in collections soon. if not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-13
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
On XXXX XXXX 2017 my account was limited and money block from being withdrawn. I have sent all items I sold and have tracking to confirm the items have been delivered. After I completed all transaction PayPal is now asking me to provide my SSN and other personal information, which I did not agree to give. I have fulfilled all obligations to my customers so there is no reason for PayPal to be holding my money for 2 months. I want my {$140.00} released, I would never think a XXXX dollar company would bully its sellers around like this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-30
Company: CITIBANK, N.A.
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:
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.

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 2018-11-30
Company: Credit Card Receivables Fund Incorporated
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Unifund served me at the corporate office to an employer I no longer worked for and got a judgement.in XXXX. I was never given the chance to dispute because I never had a XXXX credit card.I tried calling XXXX XXXX XXXX in early XXXX XXXX, trying to get more information as I did not understand what they had sent me and was told by the paralegal to refer to the paperwork they had sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: TFS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
my wife and i were pre approved for a conventional loan through 3rd federal savings and loan with a 5.84 % interest rate good through XX/XX/XXXX XXXX we signed our offer to purchase on XX/XX/XXXX. On XX/XX/XXXX we were told by 3rd federal our interest rate had gone up to 6.79 % When I asked, " why it was going up? ", I was told it was because we had to be pre approved again due to a previous contract being cancelled on another home purchase agreement. I was not informed at the time of cancellation that we would have to be pre approved again. The bank instead let us continue to look for homes, and sign a new agreement to purchase for the house we are currently under contract with, before letting us know we would have to be pre approved again, and our old interest rate would no longer be valid. This occurred nearly 2 full weeks after we had signed our new agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: IL
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:
I have several inquires on my XXXX Credit Report for XXXX XXXX which I did not request or authorize. I have contact XXXX via mail and via phone to explain to them I did not request all of these XXXX XXXX inquiries and they were not for a permissible purpose for XXXX XXXX obtaining a copy of my credit report. I am requesting that all of the XXXX XXXX inquires be removed from my credit report. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Hello, my name is XXXX XXXX, and I need your help in contacting this company. I tried to contact them to find out why someone had registered an account in my name. This is a serious matter, and I'm unhappy that it's now affecting my credit score. I do not authorize anyone to use my name, date of birth, or any other information as it violates Data Privacy. They need to identify out who opened the account in my name and simply transfer the information to that person. Please assist me in resolving this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: Block, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
What happened on XX/XX/XXXX i used a payment method called Cash App, i sold an item an Brand New XXXX  XXXX On XXXX XXXX XXXX and Tried to get payment, So to find out My Cash App Account was compromised by hackers and spoof email and fraud imposters of Cash App, so both my {$1200.00} which i made from phone and XXXX was stolen from me. 

So far ive Filed Complaint with the XXXX XXXX XXXX XXXX an Disputes Resolution Specialist said i didnt have a letter proving that i was scam, but i do have a written copy of spoof letter from imposters. 

I contacted My State Attorney General and filed an Complaint with her, i havent heard from her yet. 
Just today i filed an complaint with FTC ( Federal Trade Commission ). 

And im writing Cash App Pre-arbitration Policy about this matter. 

I want to fight this and get my {$1200.00} and all damages, stress, mental anquish and a compensation for all my stress and problems theyve caused me and my woman. 

Regards XXXX XXXX

Company response to consumer: Closed with explanation