BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-30
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Back in XXXX and XXXX requested loan assistance. Never received a call from anyone at Fay Servicing. I tried on Countless times to get a hold of someone at Fay Servicing and no answer and Also HOPE hotline called Fay Servicing with me on the line and still received no answer on possible loan repayment assistance. 

XX/XX/XXXX, I ended up paying ALL my delinquent payments with help of family members. I paid the amount requested on reinstatement letter from Fay Servicing. I thought everything was okay. Since reinstalment I have been making every single payment on time. Fay Servicing marked me late, my credit was severely affected, and this is how i found out about possible late. Per Fay customer service rep. she they might have done their calculations wrong. 
I NEVER received any type of notice letting me know of possible late payments. 
I have called and been on hold for 1-2 hrs. each time and no one can give me a clear answer. I have asked to speak to supervisor and no answer. Every time i call they are confused on what is going on with my loan I have left multiple messages to a supervisor and still no answer. 

I have record of making mortgage payments for several months in XXXX ( I had to apply for XXXX to keep my home, no longer in XXXX ) and Fay Servicing did take payments however it's not counting these payments. 

Fay Servicing is extremely difficult to get a hold of and they give you NO answers. They keep " saying it is what it is, this is what is in our system '' They keep taking my payment however Fay Servicing continues to take my money and is not properly applying to my loan. 
I need help please. Very deceptive and continue to not give me answers of where the money is going and being wrongly marked late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
Attempted to call all credit bureaus to delete fraudulent info from credit reports. I was advise to report here to submit proof as a supporting document.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: CITIBANK, N.A.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
After filing a complaint XXXX XXXX XXXX ) in regards to a settlement offer that I received/was accelerated to being sent to an attorney, I received a letter regarding my complaint that they were acting within their rights as a creditor for their method on collecting my debt with them. The issue was that a long with that letter I received 5 additional letters ( all in the same Citibank envelope ) that weren't addressed to me. The envelope/mail showed my name to be delivered but when opened there's 5 other letters, for 5 other customers/Citi bank cardholders/ with Names , addresses, last 4 of their accounts, what type of account, the nature of letters ( response to complaints, disputes, adverse actions ), and the name of the officer who completed them This is a violation of the privacy act which as consumers, we rely on our creditors to take care of our information. CitiBank has failed these consumers who's information has been exploited due to a clerical error. How do I know if my information is safe with them now. Names, address, and last 4 will be covered in the proof below. If need be, I can send copies of the proof to. cfpb, the creditor/bank, or to the consumers directly that's listed on there and notify them of this mistake.

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 2023-06-21
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: Account information incorrect

Complaint:
My closed XXXX installment credit account shows incorrect information listed. This ACCOUNT shows incorrect / unauthorized charges added. Also, it shows that it's CHARGED OFF. please can you help me REMOVE this account from my CREDIT REPORT Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: UNITED COMMUNITY BANK
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
United community Bank shows up on my check systems with my name but has my ex-wife address and driver 's license number on it. Also United community Bank debited my account and made me in solvent when I had a positive balance. Now my online banking login is locked out.

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 2023-07-01
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
This is following up. 
CFPB closed the account when US bank replied ( they did not address my concern and refund me my money. 

I closed on XX/XX/2023. They did not send me money, I called again and again. 
Now I made XXXX calling and XXXX local visit. XXXX agents over phones said they did not mail the check out at all. XXXX agents said that the check was missed during mailing. 
The first agent said he will replace without any other condition since he cancelled the check. As today they did not mail the check. 
Then they asked me to sign declaration of loss, I did it on XX/XX/2023 and faxed to them on XX/XX/2023 and mailed a hard copy. They did not reply me until I filled with XXXX 
On XX/XX/2023 they asked me to fill the declaration again, since they dislike the first one. Why they need it if they have cancelled the check. 
I now checked other banks, most do not need the declaration loss. 
Even need other banks just ask to sign, most will not ask to do notary public which will waste my time, since most banks need an appointment to do that. 
Also, most banks will have first choice 1 ) I did not receive the check That is what happened to me. 
US bank asked me to sign a declaration loss without the above statement But ask me to sign XXXX ) The check was destroyed -2 ) I lost.. 
XXXX ) was stolen However I did not receive the check at all, and I received ads a letters from US bank currently. US bank lost it or XXXX office lost it. 
US bank forced me to sign something that I did not do at all or I do not know at all. 
Since XXXX agents told over phone that they did not send out. 
However they have cancelled out the check, why need me to sign the above paperwork that I did not know. 
So US bank need send me check ASSP + interest without any paperwork as XXXX XXXX or XXXX. 
When I signed my declaration loss, XXXX asked me to add " I did not receive the check '' that is the fact.

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 2023-07-01
Company: SinglePoint GI
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:
The company General Revenue Corp is inaccurately reporting `a balance/collection of {$3500.00} under my name that is not accurate! I never received any funds from them and they in fact received money from the government, in which they did not return to them after receiving them! I have contacted this company over and over again and even sent them police reports and other supporting documents and requested this be taken off of my credit report and my name. They still choose to report this inaccurate account on my credit report, which is affecting my life! This needs to be deleted from my name and my credit profile immediately. This is causing me stress and other issues. 

General Revenue Corp said that they received this information from XXXX XXXX XXXX and just reported it without any verification or anything! I never signed any documents with neither institution!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
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:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-09
Company: Experian Information Solutions Inc.
State: CA
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 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

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 2022-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
Therefore, without giving me the opportunity to opt out, your institution furnished nonpublic personal information to nonaffiliated third parties ( i.e XXXX, XXXX, and XXXX ). This is a blatant violation and infringement of my consumer and privacy rights but you have also violated multiple Federal Laws as you are intentionally withholding consumer rights information from borrowers by not providing an " opt out '' clause or opportunity in the same agreement. 
Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications to any non-affiliated third party including Consumer Reporting Agency. regarding " LATE PAYMENTS '' The law is very clear as to the Civil liability and the remedy available to me if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA and FDCPA. If you do not cease communication I will escalate the matter to a Federal Complaint. 
Any further contact regarding LATE PAYMENTS by you, your Agent or any affiliated party to non-affiliated third parties except a communication, confirming your acknowledgment of this letter within 7 days of receiving this notice, is in violation of my Federally Protected Consumer Rights. 
I would also like to further clarify that I am writing on my own behalf as an educated consumer and have not hired or outsourced this correspondence to a lawyer, credit repair service or any individual. 
Please do not provide me with specific information regarding the account since this letter is not addressing, disputing the inaccuracy or discussing verification or validation of the alleged LATE PAYMENTS. Please do not provide me with statements, payment history, or any other specific details pertaining to the account. 
This cease and desists only gives you consent to remove. LATE PAYMENTS and is not consenting you to REMOVE, DELETE or SUPPRESS the entire account information from my credit report. You are to only delete and remove ALL LATE PAYMENTS. Any other action taken outside of the stipulations outlined in this letter will e viewed as an ADVERSE ACTION and will constitute further violations of my consumer and privacy rights. 
I also require that this letter is to be read by a human being that is qualified, trained and equipped to provide an appropriate response. 
Task that you respect my consumer rights.

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 2022-12-05
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:
Certified mailings. Phone calls and online disputes. 
From XX/XX/2022 until present. I have not received access to my free reports. Error, technical issues or dispute in process but no changes to report from paid access. 

I've called XXXX XXXX they said they no longer report inaccurate information and i have no liability with them. Yet Equifax XXXX and XXXX have all exhausted the 30days of investigation but have not deleted the inaccurate unverified accounts XXXX XXXX inaccurate information XXXXXXXX XXXX which is close to it's statue of 7 years despite inaccurate information XXXX deleted account XXXX because of discrepancies and unverified accounts but it still remains

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-01
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting act, this creditor has violated my rights under 15 U.S.C. 1681 Section 602 that states I have the right to privacy.

15 U.S.C. 1681 Section 604 ( A ) ( 2 ), states a consumer reporting agency can not furnish an account without my written instructions.

Under 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
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:
I DO NOT OWE ANYTHING. THIS IS A FRAUD ACCOUNT. IT IS A DIRECT VIOLATION OF MY CREDIT RIGHTS. 15 USC 1692C. ( C ) VIOLATION, 15 USC 1681A ( 4 ) VIOLATION, 15 USC 1692 C ( 3 ) VIOLATION, 15 USC 1692 B ( 5 ) VIOLATION, 15 USC 1692 F ( 8 ) VIOLATION. BOTH OF THESE FRAUD COLLECTIONS ARE APPEARING ON MY EQUIFAX CREDIT FILE. CONFIRMATION FOR REPORT # XXXX ADVERSE ACCOUNTS/ FRAUD UNAUTHORIZED ACCOUNTS XXXX. XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-24
Company: BOEING EMPLOYEES CREDIT UNION
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Unexpected or other fees

Complaint:
XXXX XXXX XXXX took a line of credit with thXXXX XXXX  through XXXX XXXX his sister in law..I have to report identity theft. XXXX west XXXX XXXX in XXXX XXXX, WA is on my tax ID.. 

Looks like the mortgage statements have come to XXXX XXXX XXXX XXXX XXXX, WA XXXX 

My credit report also shows these two individuals have opened lines of credit using my SS and DL excesively.XXXX XXXXXXXXXXXX XXXX is where she works..I have attempted to report this as the XXXXXXXX XXXX XXXX XXXX XXXX allow both individuals rent XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX  in my name.. I did not consent to this.. 

XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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. 

The letters are stated with items and issues. 

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 2023-07-02
Company: CarMax, Inc.
State: VA
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: Investigation took more than 30 days

Complaint:
Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-02
Company: MoneyLion Inc.
State: VA
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:
Late paymemt/missed payment and closed account was reported on my credit report during the Covid-19 Pandemic. I had difficulty keeping up with the payment due to being laid off from my job to job. I have tried to find multiple job just from being laid off job to job due to the business closing and not need much workers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status 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, 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.

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 2023-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card or prepaid 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:
See attached communication sent to Capital One on XX/XX/2023. Clear evidence showing that merchandise shipped after agreed time. Clear evidence showing that merchandise came very damaged. Clear evidence showing that card holder demanded merchant to pick up and return merchandise and that merchant refused stating it had no address for cardholder to ship it back to. Despite uploading all of this evidence to the Capital One Portal on XX/XX/2023, Capital One only 3 days letter puts these wrongful charges back on my account. Capital One conducted zero investigation regarding this matter. 

Damage goods photos here : hps : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-05
Company: MOHELA
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The issue I have is when I contact the office with a complaint, my payment doubles. It went from {$300.00} to {$600.00} to {$1200.00}. This caused me financial hardship. I had to pay overdrafts and it wiped out my savings. I had to pay other bills late which caused late payment penalties. I had my checks returned from my bank for other debts and this resulted in a disruption in my payment history with other debtors. I have tried to call Mohela who has my loans on many occasions. I am on hold for a long time and then I am disconnected once they answer. I tried to call them most recently on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation