BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-28
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the second complaint I have filed with you all against DiTech Financial through your company. I have to say you all handled the companies response and closed the case with NO documentation to prove the lies they told. We have had an account with DiTech Financial since 2006. We have never missed a payment and NOT I repeat NOT been late one single month all these years. But when our loan is due to mature on XX/XX/XXXX we have a {$6000.00} balance. How is this possible is what we asked and we have gotten nothing but the total run around. We have been hung up on, lied to and disrespected by this company for months. We filed a report with you all in hopes you protected your consumers instead DiTech tells you we owe this outrageous balance due to late fees and a cancellation on our automatic drafts for our mortgage payments. This is NOT true at all. We did cancel our automatic drafts 2 months ago because they had yet another company restructure and told us we had to set up one monthly draft instead of the biweekly drafts we have made for years. So we agreed and set it up and guess what they did took out 2 full mortgage payments in one month after they claimed they could not do that. Then we played heck getting the money refunded. This is all happening while you all were supposedly helping us resolve this issue of the huge balance. So instead of DiTech Financial researching the account they mail me a 38 page payment history with a generic letter saying you owe the balance. No information no explanation at all. Then they tell you all we owe it for late fees. Anyone with any common sense would know if we had {$6000.00} in late fees they would have foreclosed on our home by now. But you all believe it and they submit as proof the original loan agreement from 2006 how does that prove we have not made our payments and owe the balance. It doesn't and you all have the nerve to close the complaint and not even contact me to give me a chance to defend myself in this you say it has been completely resolved. For who I ask? You because it was not us. How horrible is this. This is Consumer Protection I think not! You all are as bad and as low down as DiTech Financial. You need to reopen this and actually require proof of the so called solution not write it all off to save some work!! Stop pretending you protect or even help all the consumers because if this is help NO ONE NEEDS IT!!!!! As for proof I have all 38 pages of my payment history I will be more than happy to send you! I am attaching it!

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXXXXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XXXX 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 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 an alleged identity theft, not later than 4 business days after the date of receipt.

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 2020-10-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 information incorrect

Complaint:
Hey, My name is XXXX XXXX. I have a huge problem that I am hoping you can help me solve. I have disputed with the credit bureaus and the collection agencies and creditors multiple times because they are reporting negative inaccurate information on my credit report. They are refusing to remove this information even though I have shown valid proof that it is not 100 accurate according to the FCRA.

Please remove these accounts from my credit profile because they are not 100 accurate and it is causing me a great deal of harm.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I had received a check from a scammer on a pretext of employment stating that they check was for me to buy computers and other electronic hardware. It was a check worth XXXX and I deposited this check to my account on TD bank on XX/XX/2021. 

The funds were made available on Friday XXXX XXXX and the scammer asked me to withdraw {$6300.00} in cash and make a cash deposit to a XXXX XXXX XXXX account of the vendor who provides computers. I proceeded with what he had told. 

Later during the weekend i realized this was a scam and on Monday the check had bounced, I have lodged a police complaint and I have got the report that I was scammed and I was innocent. 

Now the TD bank have frozen my account and claiming that I need to pay {$6300.00}. I have no money and the bank are unwilling to unfreeze my account. 

PS : I also went to XXXX XXXX  XXXX but they were non-coordinating and said once the cash deposit is done nothing can be made to freeze or cancel it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: BARCLAYS BANK DELAWARE
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BARCLAYS BANK DELAWARE XX/XX/2023 RE : Request for Investigation of Unauthorized Inquiry To Whom It May Concern, I checked my personal credit report, which I acquired from your organization on BARCLAYS BANK DELAWARE and I noticed that this unauthorized inquiry had been made : { dispute_item_and_explanation } I contacted BARCLAYS BANK DELAWARE, who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request. 

Therefore, I must request your help in resolving this matter. In accordance with the Fair Credit Reporting Act, I request you immediately initiate an investigation into this inquiry on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry from my credit report and send me an updated copy of my credit report at my address listed above. If you do find the inquiry referenced above to be valid, I request that you please send me a full description of the procedures used in your investigation within 15 business days of the completion of the investigation. 

Thank you for your help and assistance. 

Sincerely, 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 2023-04-19
Company: Experian Information Solutions Inc.
State: NJ
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:
Please remove these Fraudulent accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
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 explanation
Consumer complaint received 2021-04-04
Company: National Credit Systems,Inc.
State: GA
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:
National Credit System is debt collection agency ; I received a call in XX/XX/XXXX from National Credit System stating I owed a debt. I immediately asked the representative on the phone call to verify my social security number, the representative said " no '' and hung up the phone. A few weeks to a month later I received an alert through my credit monitoring system that a company was searching for my social security number on the world wide web. I never heard anything else from National Credit system again until XXXX. They never called nor attempted to send correspondence in the mail regarding the debt they originally called me about in XXXX of XXXX. Two months later National credit system violated my consumer rights by placing a debt on my consumer profile without validation or Permissible purposes under 15 U.S code 1681b and no consent or validation is considered identity theft. I XXXX XXXX have sent letters requesting debt validation since XXXX, National Credit system failed to reply and proceeded to report to other credit bureaus agencies. Recently, I received the very first correspondence ever from National Credit system stating I the consumer has failed to validate the debt doesn't belong to me and attached misleading documents to the letter, stating I have a judgment against me and they represent the original creditor. The judgement doesn't equal the sum of the payment they're requesting and further more it was included in my bankruptcy file. National Credit system have violated so many of rights as a consumer, they are ruining my reputation by placing inaccurate information on my credit report and they need to be stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
I bought an air ticket on XX/XX/XXXX from a ticket agent XXXX using my Capital One credit card for a two way trip from XXXX York XXXX NY to XXXX ( XXXX date XX/XX/XXXX ). The flight was canceled before the flight date by XXXX XXXX due to Covid. I called the agent and was informed that a refund would be issued but I had never received it. 

I filed a dispute with Capital One in XXXX and received a temporary refund from Capital One but eventually the refund was reversed back to the merchant. I received a note from my Capital One online account in electronic form ( not paper!! ) regarding the decision. 

The case number for the dispute is XXXX. 

I called their customer service upon finding out the decision and was informed by the customer service representative that the merchant claimed that they needed more time to process the refund. And I specifically asked the rep if I could still dispute the charges if the refund did not come through later. The rep said I could file a complaint again if the refund did not come through later. She did not mention anything of the sort that I needed to send in more paperwork to extend the dispute. 

In XXXX I still did not receive the refund so I called Capital One. Then I was informed that I could not dispute the charges anymore. 

Enclosed please find a letter I received in electronic form ( PDF ) around XX/XX/XXXX on my online Capital One account. In that electronic letter it mentioned : " Please fax the requested information to XXXX, and allow 10 business days for us to respond. If you're unable to respond by fax, please send us the requested information in the enclosed pre addressed envelope, and allow 15 business days for us to respond. '' I have never received any pre-addressed envelope. 

On another note, enclosed please also find a screenshot from the XXXX site. It declared it had received the refund from the airlines. I had contacted XXXX XXXX and their reseller XXXX for the refund but with no result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
This item is reporting late as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 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 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-21
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX is reporting a fraudulent account under my credit that i did not open, on my XXXX, equifax and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue XXXXXXXX XXXX  and all the credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: BMW Financial Services NA, LLC
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: Investigation took more than 30 days

Complaint:
the car was paid off, an i had XXXX insurance with this car an the XXXX insurance didnt pay when the car was totaled

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-25
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This has been going on for a year now with equifax. I get a code XXXX and Im told to call them Ive done that Ive sent my id and social to them to verify my identity and my equifax still doesnt report my credit score nor update. They dont let me speak to a higher superior and they always act like everything is fine on their end but the problem is never resolved on my end. Id put time and dates but Ive called so many times I now can not even keep count. They keep telling me theyve removed the promotional block on my account but I dont even think they know what their talking about at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I paid for a puppy but the website where a scam page, I paid {$2000.00} for puppy we never receive. 
I open the claims and I provide all the messages and email the merchant send me but Bank of Americas refuse to chargeback people who scam us.

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 2018-11-16
Company: EQUIFAX, 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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I submitted a dispute to Equifax. As of XX/XX/2018 they had not responded so I submitted a complaint that they had not responded in the 30 days regulated by the FCRA and requested they delete the items in question from my report per FCRA. On XX/XX/2018 they sent a report, in violation of the FCRA, showing they had not removed those item as listed below : ACCOUNTS XXXX XXXX  XXXX not mine PUBLIC FILINGS XXXX not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
According to 15 U.S. Code 1681e there is a need for the consumer reporting agencies to be accurate with their reports. The mailing addresses listed on XXXX, Experian and XXXX are non mailable addresses and are inaccurate. Furthermore, the name ( s ) and birthdates listed are inaccurate as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-10
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I have applied for Load Forbearance on my Navient Private loan multiple times. I have not received a response any of the times that I have submitted the School Closure Form. I just submitted the form again, but you can not view the submission in your online account and I have not received an email that Navient will process the request which has happened in the past. You just don't receive a response. I previously went to XXXX XXXX XXXX in XXXX, which has closed. I had a loan from them in the total amount of {$9400.00}. I currently have a XXXX % interest rate and have a remaining unpaid principal of {$4400.00}. I continue to pay monthly ; however, this is one thing holding me back from future goals. I don't believe I should have to pay a {$9400.00} balance which I have mostly paid, but won't fully pay off until XX/XX/2025 for a school that has closed and I was unable to obtain a degree from.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: LEXISNEXIS
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 non-monetary relief
Consumer complaint received 2020-07-04
Company: National Credit Systems,Inc.
State: NV
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:
On my previous complaint against National Credit System complaint number XXXX I stated the unprofessional way that I been treated by National Credit System and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NCS has completed an investigation of all seven social security numbers associated with Mr. XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because National Credit System failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.

Company response to consumer: Closed with explanation