BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-10
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I was never been late on these accounts. I always pay my debt on time. I believe this is a mistake reporting. Please check on the following account and update the error on the report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
To whom it may concern : I am contesting the information on my credit report that I believe is not correct. I need evidence that you veried the information to be accurate and compliant. For every inquiry I request proof that you conrmed that the creditor had a permissible purpose. I am giving you a month to investigate this matter and determine whether it is still accurate, valid and in compliance. If you can not provide proof that the information is accurate, compliant or valid I demand that you remove it from the report.

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 2019-11-18
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am attempting to refinance my Ditech mortgage. During the title search process it was found that Ditech reported a second mortgage dated XX/XX/19 for {$0.00} XXXX XXXX # XXXX. I do not have a second mortgage with Ditech just my primary. I have been contacting Ditech since XX/XX/19 and have not heard back on the status of my inquiry. I ask that they remove this second lien on my title and that they provide me a written letter stating the details of my one and only mortgage with them and that this second XXXX lien was reported in error. 
I reached out to HUD to review this information and they stated that they have no record of any loan on my property or in my name as my loan with Ditech is a conventional loan and not an FHA backed loan. 
I am trying to get a leaky roof repaired ASAP with my cash out refi that I am seeking and now have gone months with no request and the water leakage is causing more unnecessary damage and there is no one that Ditech allows me to speak to regarding my inquiry. They just ask me to fax in a letter and I will get a response within 30 days .... well it has been 3 months and I have not gotten any resolution nor has a manager reached out to me about this ongoing issue. They are in effect, holding me XXXX and causing more unnecessary damage to my property due to their nonresponsiveness.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: BSI Financial Holdings, Inc.
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
BSI Financial Services ( BSI ) has made multiple errors and violations of federal law while servicing my home mortgage. In less than 2 years since BSI acquired my mortgage, BSI has : ( 1 ) illegally failed to make the XXXX annual insurance payment on time ; ( 2 ) illegally failed to make multiple Washington, D.C. property tax payments on time ; ( 3 ) illegally paid D.C. property tax penalties and interest out of my escrow account ; and ( 4 ) as a result of its delinquent property tax payments, caused me to have a remaining balance for my XXXX property taxes. 

I have spoken to the BSI customer service department twice. In both cases they were unable to explain why these errors occurred and why they have failed to correct the problem. The customer service representatives refused to escalate my call to have these matters remedied. During the second call, I was advised to submit my concerns via email, and my account would be flagged for a response within 48 hours. I provided an email with all relevant facts and supporting documentation on XX/XX/XXXX and have not received a response as of the date of this complaint. 

I have made 100 % of my mortgage payments on time and in full. 

BSI and the CFPB entered into a consent order on XX/XX/XXXX. The consent order requires BSI to maintain serving systems, policies, and procedures reasonably designed to ensure it can ensure accurate and timely disbursements on all escrowed loans. The issues we have experienced with BSI demonstrate that whatever policies it has in place are not sufficient to ensure timely disbursement on escrowed loans, and BSI is in violation of the terms of the consent decree. BSI 's actions violate the Real Estate Settlement Procedures Act ( 12 U.S.C. 2601 et seq. ) and Regulation X ( 12 CFR Part 1024 ), and they constitute unfair, deceptive, or abusive acts or practices under the Consumer Financial Protection Act ( 12 U.S.C. 5536 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern : Americollect has been a long term collection agency that holds several medical negative accounts on my credit report. They have issued a judgement that had been documented with the clerk of courts, however they wish to garnish my wages from a company entity that I do not work for. In addition, I have attempted to pay my lowest amount by providing payment as well as filing number. I wish to see confirmed invoices and amounts due to the original creditor ( XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, and XXXX   XXXX  XXXX XXXX ) being under investigation for inaccurate billing procedures and duplicate invoices. If americollect purchased said invocies from these original creditors I wish to have all unpaid or delinqant accounts formally verified and documented via written disclosure in case of further dispute efforts. I will copy this complaint and mail to americollect for communication purposes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Wisconsin XXXX XXXX XXXX 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 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
This is my last resort before I turn to a legal counsel. I sent a letter to this credit repository last XXXX XXXX, 2017 to dispute how incorrect and inaccurate pieces of information on several accounts in my credit report. The payment history is inaccurate/incomplete, and I informed this company about the errors violating FCRA. Furthermore, I disputed these items with XXXX same time I disputed these items with this credit repository. XXXX  removed these entries from my credit report. What possible documents did this credit repository used in their investigation that XXXX was n't able to get or that these creditors did not provide to XXXX? Do n't you think this is a violation of FCRA? Up to this day, this company still is reporting the same incorrect, inaccurate and incomplete credit entries.

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 2022-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than XXXX. I need these accounts deleted or updated. These are the items I demand to be deleted immediately XXXX ( XXXX ) - ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX ) - ( XXXX ) XX/XX/2022

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 2022-03-17
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was approved for a trial modification. I made 2 payments. I made a XXXX payment with no problem. 
I called in to confirm they received it and I was advised it was there and has been applied as my first trial payment. My XXXX payment was returned. I called in this month to find out what happened and was placed on hold and the call ended. I called back numerous times and was never advised as to what happened. I asked for supervisors and I was advised either no one was available or that someone would call me back. 
I have a sale date. I need to know what happened with my trial plan so I can keep my home. The letter they sent back with my payment failed to explain what went wrong.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2023, I wrote a check in the amount of {$1300.00} and mailed it. On XX/XX/2023, I noticed the check I wrote was cashed for {$4400.00} to a different payee name. I pulled up the image of the check on the Bank of America , N.A . app and saw that my check had been fraudulently altered in the amount, date and payee name. I called Bank of America 's fraud department ( XXXX ) on XX/XX/2023 to file a report. I was given a case number ( XXXX ) and informed to file a police report. On XX/XX/2023 I received the claim forms from Bank of America. On XX/XX/2023 I filed a police report, filled out the claim forms for Bank of America, and mailed the forms with the police report case number to Bank of America. 

On XX/XX/2023 I called Bank of America status department to see if the forms had been received. I spoke with XXXX in Maryland and I explained my financial situation that I could not afford to cover this check. Her response was it would take 60 to 90 days to hear a resolution. 

On XX/XX/2023, I called Bank of America again and spoke with XXXX in Arizona. She said it had only been 20 days and would take 60 to 90 days to hear a resolution. Again, I explained that I have medical expenses and can not afford to wait the full 60 to 90 days. She said she would put in the system to escalate this case to be handled quickly. 

On XXXX XXXX, I called Bank of America status department to check status of the escalation. I spoke with XXXX in XXXX and she said there was no notation of an escalation on my claim. XXXX said she was entering a complaint to expedite this claim. 

As of XX/XX/2023, there has not been any response from Bank of America , N.A . on my claim. I have had to rewrite the original check that was fraudulently altered, I have medical bills coming on top of my regular monthly bills due, and I don't feel Bank of America is handling this in an acceptable manner. I caught the fraud within 2 business days and Bank of America can't handle this for 60 to 90 days? It is not understandable why this can't be expedited when they have all the information requested.

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 monetary relief
Consumer complaint received 2022-03-17
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:
Equifax I has violated my consumer rights causing me stress and financial injuries Equifax violated my consumer rights under 15 USC 1681b ( 2 ) I never gave Equifax any written instructions or any consent to furnish information on my consumer report or furnish a consumer report on my behalf Which is IDENTITY theft pursuant to 15 USC 1681c-2 They have have also in violated 15 USC 1681n civil liability for willful noncompliance by furnishing information on a consumer report on my behalf causing me stress and financial injuries and also committing fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-16
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 HAVE SEND LETTER AFTER TO ALL 3 CREDIT BUREAUS, I HAVE FILED WITH FTC ... AND REACHED OUT TO THE CREDITOR

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: NC
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:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this account must be deleted immediately. 

2. Misleading false reporting unverified/inaccurate date last active date across the bureau date last payment should report on file XXXX XXXX XXXX XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: CO
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:
Hello, in the month of XX/XX/XXXX I went into a bank XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, CO and spoke with a Banker named XXXX XXXX. The reason for me coming in was because I needed to see if someone could assist with getting a ChexSystems inaccuracy removed. XXXX and I spoke with a representative from the Claims department who told me once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my ChexSystems account for the account number ending in XXXX with a closure date of XX/XX/XXXX. After my request for clarity, the banker confirmed what was said, and the XXXX re-confirmed once I cleared a {$36.00} balance I had an a second old account, the report would be removed from my ChexSystems account for the account number ending in XXXX. 

In XXXX when this account was opened, I was a victim of a XXXX Scam. I was asked to open this account for the purpose of depositing my wages I would have earned weekly. I remember being told I'd make $ XXXX {$1000.00} weekly, and when the deposit came, I contacted the bank to report it as it was an outrageous number I was not expecting. No money was taken from the account, and it was then frozen. These same fraudsters are responsible for filing taxes in my name, as well as attempts of trying to obtain credit, as noted in my Identity Theft Report with the FTC resulting in various fraud alerts placed on my credit profiles to protect me, and even a freeze on my ChexSystems file. 

The issue I'm having is since the payment for the {$36.00} was made, I have been sent in circles from Risk Closure, Fraud, and various other customer service departments, some saying no one can help me ( paraphrasing ) and others saying what the claims rep told XXXX and I should be honored. On XX/XX/XXXX I finally contacted the Risk Closure department, and they told me I'd need to dispute the information with ChexSystems and it will then come off.

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 2018-08-13
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Background : I have been making ontime payments every month since XXXX to my student loan lender Sallie Mae, When they sold my loans to Navient I have made payments every month on time since. I make over XXXX $ payments every month! ( I also have XXXX kids, a mortgage, and 2 car payments ) I first went to school in XXXX, I left in XXXX. I went back to school in XXXX and graduated in XXXX. 

I called Navient shortly after I graduated to set up payment options. They would not let me put my loans in forbearance. They would not let me consolidate them or try to get a fixed interest rate. The most they would let me do is set up a payment schedule, so I set up a 10 year repayment plan. 

I have been following up every other month or so to make sure my loans are still on track. I checked yesterday and it appears that my two biggest loans in the amount of ... 

{$20000.00} had an increased interest rate, it used to be under 10 % now it is 10.375 % also, my loan of, {$17000.00} had an increased interest rate, it used to be under 10 % now it is 11.25 %!! 
( my total loans are over XXXX $ federal and private ) I called Navient today to figure out why, and also how they expect me to pay these off if they keep raising my interest rate but the office is 'temporarily closed '. 

I logged on to XXXX to see if anyone else had this issue and I found out the CFPB has filed a lawsuit with Navient and I didn't know. I live in Washington ( XXXX ), and have for 20+ years. This is one of the states that have filed the lawsuit and I would like to get more information please. I do feel that I have been wronged and have made every effort to make payments to get out from under this burden.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-14
Company: EQUIFAX, INC.
State: AL
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:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC 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