BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-22
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Ditech XXXX XXXX XXXX, XXXX XXXX Dear Sir or Madam : I am writing to dispute the following information in my file. I never made a late payment on XXXX, I never paid a late fees. 
On XXXX XXXX the payment of my house went up. I sent my payment for {$1600.00} this payment was short for {$120.00}, instead for {$1800.00} I am requesting that the LATE PAYMENT be removed from XXXX and XXXX credit report. 
Enclosed is a copy of payment record from my bank, supporting my position. 
Please reinvestigate this matter and delete or correct the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX Enclosures : Payment records from XXXX XXXX. 
My Payments Print Date Range Is XXXX XXXX, XXXX - XXXX XXXX, XXXX Change Total : {$28000.00} Send Paid to Amou On nt Status/ Paid Type Cate Conf. # from XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$1800.00}. Complete XXXX {$1800.00}. Canceled XXXX {$120.00} Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX DITECH None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX XXXX DITECH XXXX DITECH XXXX XXXX DITECH XXXX XXXX XXXX DITECH XXXX {$1600.00} . Complete XXXX XXXX XXXX {$1600.00}. Complete XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX XXXX {$1500.00}. Cleared XXXX XXXX Z {$1500.00}. Complete XXXX XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX {$1500.00}. Complete XXXX XXXX {$1500.00}. Canceled XXXX XXXX {$1600.00}. Canceled XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None XXXX None XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-10
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a  Barclay   XXXX  credit card payment of {$3300.00} was paid and processed o n    X/XX/2017 .  As of today the payment is not credited to my account.   I faxed them the proofs ( cancelled checks from  XXXX   )  on    XXXX   XXXX    2017.     Emailed o n   XXXX   XXXX  , 2017 for a follow-up Called on   XXXX   XXXX  , 2017, spo ke to a customer service rep (  XXXX  ), asked her for the result. She was very condescending and said " i will have to wait for the results ''. I told her that you 've taken my money for over 40 days and I like to know where it 's at? If she was more helpful and assured me that they will take care of it I would not worry. But now I am worry that my case is not being handled with some urgency to credit my account accordingly.

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 2021-07-22
Company: EQUIFAX, INC.
State: PA
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX/XXXX Date of Inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-14
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XX/XX/2023, I certified mailed Experian ( XXXX XXXX XXXX XXXX XXXX ) notifying Experian they are violating my right in accordance with the Fair Credit Reporting Act. Experian did nothing to resolved this request. The accounts listed have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

1. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 2. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 3. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 4. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, XXXX. ) Account Name : XXXX XXXX XXXX Account Number : XXXX, 6. ) Account Name : XXXX CXXXX XXXX Account Number : 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. 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 7 years.

15 U.S.C. 1681s-2 ( 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 accurate. 
15 U.S.C. 1681g. Disclosures to consumers ( a ) information on file ; sources ; report recipients ( 1 ) All information in the consumer 's file at the time of the request. except that nothing in this paragraph shall be construed to require a consumer reporting agency to disclose to a consumer any information concerning credit a scores or any other risk scores or predictors relating to the consumer.

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 2017-03-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/XXXX at XXXX, Bank of America was ordered to put a freeze on my wife 's bank account for the amount of {$960.00}. The bank put a freeze on both of our joint accounts as well as her personal account for a total of almost {$4700.00}. They left us with {$0.00} in all XXXX accounts, which is against EIPA regulations. When I called to found out why our joint accounts were on a hold, I was told that the matter involves my wife and they can not tell me. When my wife called, she was rudely told that the agent can not help with the situation. He then put her on hold and then hung up. The next agent gave my wife the number of the collector that caused the hold and told her that nothing can be done until she speaks with the debtor, which was closed for the weekend. 
On XX/XX/XXXX, my wife was able to get in contact with the debtor and made reparations. She was told to go to the bank to get the {$2600.00}, that was not supposed to be held, released. 
I went to the bank and spoke with 2 managers. The first rudely told me that there was nothing I can do until the debtor mailed me the paperwork. The second manager told me the same, and brought me to a room to speak to the legal department via phone. The legal department informed me that the matter has to do with my wife, and they can not tell me anything ( even though it was regarding my accounts ). 
My wife called customer service and was told that a check would be sent out covering the {$2600.00}. 

On XX/XX/XXXX, my wife received a check for {$2600.00} for the amount that was excessively held.

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 2017-03-02
Company: FINEX Group LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XX/XX/XXXX, I sold A van I owned. I sent the release of liability to the DMV the same day I sold the van and that was the last I heard. On XX/XX/XXXX I received a notice from a collection agency for tow fee 's, this was the first I was notified of any issues with the vehicle I sold. We 've had a problem in our neighborhood with mail being delivered to wrong address or not all so i 'm not certain that the tow company mailed me something as the collection agency claims as they have not provided any proof of that mail ever coming to me. On XX/XX/XXXX I sent a written letter along with supporting documentation that I sold the car back in XXXX. The collection agency responded and I received a letter on XX/XX/XXXX stating my dispute was not valid and a copy of tow paperwork stating the car was sold for {$170.00}. They are telling me I owe {$1700.00} for storage for a vehicle I clearly sold and have proof I sold it. The collection agency tells me it the tow was for a police impound and where the car was towed from is in close vicinity to the person i sold the car who is listed on the bill of sale. I 'm not certain what happened when I sent the release of liability to the DMV as the car had XXXX License plate I 'm not sure if XXXX forwarded to document to XXXX. What I am positive of and under penalty of perjury I sold the car and followed the steps I needed to take to remove myself from liability. I even cancelled my car insurance. I accepted a job as a flight attendant and moved out of the State of XXXX in XXXX of XXXX. The collection agency told me I need to pay the debt and then sue the person I sold the car to in small claims court. That sounds to me like a sold a car for {$100.00} and now owe {$1700.00} plus small claims and I will be out all that money. This does not seem legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: SUNTRUST BANKS, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for Mediation for my home loan. The mediation package from the foreclosure attorney had most items in it. except for the payment from the mortgage insurance company. It had a notation in it. but did n't post the payment from the company. I had talked to the mortgage insurance guy and he wanted to go over figures with me. and then told me they had to pay Suntrust because I had received a discharge on my bankruptcy. Even after the Pay off. Suntrust is still charging a mortgage insurance fee. this time it is lender imposed and not imposed by the mortgage insurance company. Please make Suntrust service my loan correctly. The loan amount is n't correct and the mortgage insurance should n't be charged. 
also my deed of trust was n't dated by the notary. XXXX allows for the lender to fix flawed Deed of trusts. Maryland does n't allow back dating a deed of trust. so if I am correct. no interest is due on this loan. Am I not correct?

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 2023-07-06
Company: Diverse Funding Associates LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
On XX/XX/2023 I talked with XXXX XXXX XXXX and offered to settle a debt. They brought up all the other debts I owe, including to XXXX  and other credit cards, which I feel like should be privileged information. When I did not want to pay the amount that they wanted they said they were going to turn this over to legal, and pursue a lawsuit, I then told them it was illegal, and they denied threatening to sue, they also threatened to report it to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-11
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:
Please eliminate these deceptive accounts from my credit report as I never authorized anyone to use my account. Kindly remove this incorrect account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo started my refinancing of my home mortgage in XX/XX/2016. I received the whole Uniform Residential Loan Application, Loan Estimate, I had Appraisal Report done and meet with XXXX, Mortgage Consultant : NMLSR ID : XXXX Phone XXXX at Wells Fargo Bank on XX/XX/2016 to receive my Closing Cost Details XXXX. 
I contacted XXXX several times and he continues to tell me he will be contacting me to schedule my closing date. He never contacted me and I continued to call him but he never returned my calls or answered my voicemails that I would leave.

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 2017-03-28
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in desperate need of assistance. I have work with my lander Bayview for almost a year and have submitted all the required documents to continue my modification review. However ; at this point they have not afford me a modification. I am more than sure that their intentions are to foreclose my home, My husband is going trough XXXX and this is affecting hes health. I am doing everything from my side to keep a roof over our heads. As I have mention Bayview my intentions were not to fall behind, however ; due to the extreme loss of income it was out of my control. My intentions are to keep my house with an affordable mortgage payment. I did tell my specialist XXXX if I will not get a respond soon I will filling a complaint with my attorney General. Bayview keeps stating I am not able to afford my house. Therefore I have order a new appraisal to be done for my property and is actually under water. Therefore my loan does qualify for an affordable mortgage payment. I do have a surplus and have cut lots of unnecessary expenses. Please question Bayview what are there intentions, mine are to be current once again and start paying my mortgage. Thank you in advance for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: National Recoveries, Inc.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I consolidated my student loans. Somehow one loan was left out. I recieved collection papers from National Recovery Services on behalf of the department of education. I attempted multiple times to make payment to National Recovery to avoid garnishment. National Recovery would not accept payment because my last name is now hyphenated. They requested a copy of my drivers license before payment could be accepted. I sent a copy of my drivers license to them via email. They confirmed receipt. A month later it still has not been updated " in their system '' and they still claim they can not accept payment. I filed a request for hearing with the department of education to stop garnishment while waiting for National Recovery to update their system. My request was granted by the US department of education and garishment was stopped. I have a letter stating the US department of education granted me and extension. However, National Recovery proceeded to contact my employer and initiate garnishment! National Recovery is garnishing my wages on behalf of the US dept of education illegally and they are garnishing my wages under my maiden name. It makes no sense to me that they garnish my wages under a name that is not my legal name but they can not accept payment now that my name is hyphenated. I have done everything within my power to make payments to National Recovery. The US department of education states the garnishment order was stopped. However, National Recovery has proceeded to garnish my wages without proper authority and in my belief in violation of the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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 2023-10-03
Company: Nelnet, Inc.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
Submitted required ( electric bill with low income rate ) proof for deferment on XX/XX/XXXX. Website stated 7-10 business days, but after 14 it switched to : We're reviewing your deferment application we received on XX/XX/XXXX. Please allow time for your request to be completed. 

I got a PAYMENT/statement in the mail that is due XX/XX/XXXX. I called and waited on hold 2 hours before I had to go back to work. The payment is A LOT : {$300.00}. I can not pay this and do not want a late/missed payment on my account. 

They should have reviewed and approved my deferment by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX entered into a consumer credit transaction with NISSAN XXXX XXXX ON XX/XX/2021. A consumer credit transaction in which a finance charge was involved. Title 15 USC 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash but NISSAN XXXX XXXXXXXX took cash. The finance charge is suppose to include insurance and NISSAN XXXX  XXXX made me purchase/include insurance separately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25
Company: Experian Information Solutions 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:
Hello my name is XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of 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 the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately ( I LOST MY SOCIAL SECURITY CARD AS A VICTIM OF IDENTITY THEFT. I WAS ABLE TO ATTACH MY FTC AFFIVDAVIT, LETTERS TO EACH CREDIT BUREAU, AND THE TWO FORMS OF ID I CAN PROVIDE. )

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