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

Complaint:
I just purchased my home XX/XX/2019, and to my knowledge my first payment was due XX/XX/2019. Before XX/XX/XXXXI received a letter in the Mail from Ditech stating they were my new servicer. I called XX/XX/2019 to gain clarity on whether I needed to pay the previous servicer or Ditech. The representative from Ditech informed me on a recorded line that I did not have to pay the previous servicer, she assured me my first payment would be due on XX/XX/2019 and it would be made directly to Ditech. Any payments I wished to make prior would go towards interest and they weren't required. I spoke with her atleast 15 minutes gaining assurance, with my wife as a witness. I also asked her what happens to the XX/XX/XXXX payment, and she assured me there was no payment with Ditech or with the previous servicer to be made. 

Later, I received mail from my previous servicer stating the payment was in fact due and I had to pay them directly. I gave Ditech a call XX/XX/2019 and I spoke with the supervisor concerning what I was advised. She listened to the recordings from the previous representatives and I, she too agreed I was given wrong/misleading information. She stated she did not have authority to give me a credit, grace period to pay Ditech or anything of that nature. All she could do was discipline the worker. Her solution did not have the fact that I was lied to and now things were completely out of order. I requested to file a complain with corporate, the supervisor filed it and gave me the ref. # XXXX. She said I can call anytime to find out the status, otherwise I would be updated from them. 

Today, XX/XX/2019, my wife XXXX XXXX gave Ditech a call regarding a follow up/status on the complaint. Based on what the representative stated, she didn't see anything directly from corporate regarding a response, but her supervisor informed her we could not skip a payment or push it to the end of the loan. The representative also said we'd have to send in a statement asking if corporate sent correspondence in. We weren't informed that this is how Ditech processes complaints, so here we are looking for a solution.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-15
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 requested that Experian prove to me how they " verified '' that the account with XXXX XXXX, XXXX. is my account. They reported back that it is verified but does not give the METHOD OF VERIFICATION. According to FCRA 611 ( a ) ( 2 ) ( B ), they were required to forward all of the relevant information from the creditor for their investigation of my dispute. This never happens. Credit bureaus have been taking advantage of consumers during Covid. They are not posting good accounts on time but bad accounts are verified IMMEDIATELY. I am prepared to sue the credit bureau at this point for reporting.

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 2022-11-07
Company: Experian Information Solutions Inc.
State: NV
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:
Discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and delete. As required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian and XXXX credit bureaus shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX  credit bureau are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor XXXX XXXX Date Opened XXXX XX/XX/2015 Balance : {$0.00}

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 2017-04-06
Company: WELLS FARGO & COMPANY
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Wells Fargo started reporting on my credit for a mortgage that was included in a bankruptcy case in XX/XX/XXXX ; this loan has not reported on my credit for the last 7 years. I did not reaffirm the loan at any time. In my XX/XX/XXXX divorce the property and loan was awarded to my ex-wife.

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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 following companies have violated my rights : Accounts : XXXX XXXX XXXX XXXX {$1600.00} {$0.00} XXXX XXXX XXXX XXXX {$220.00} {$220.00} XXXX {$200.00} {$1300.00} XXXX XXXX XXXX {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1300.00} {$0.00} XXXX & XXXX XXXX XXXX XXXX {$140.00} {$0.00} Inquiries : XXXX Banking XX/XX/XXXX XXXX Bank Banking XX/XX/XXXX XXXX Banking XXXX XXXX XXXX XX/XX/XXXX 15 U.S.C. 1681 section A. States that I have the right to privacy.

15 U.S.C. Section 2 : It also states a consumer reporting agency can not furnish an 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 2023-04-15
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:
When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit Bureaus are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance Owed : {$940.00}

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 2021-12-29
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
We opened an HELOC in XXXX. 
We wrote two checks against it, dated XX/XX/XXXX & XX/XX/XXXX. 
It was payments for purchases/services. They were not cash advances.

HELOC 's apparently are very different, so the cash advance designation remained.

We were making payments on that obligation. 

Then, I got diagnosed XXXX. My remaining life expectancy was 6 months to 2 years. XXXX has no cure to this day, expect a XXXX transplant. My chances for a transplant were negligible. It was 'first come first serve '' operation and I was at the end of a very long line. What saved me was a new law ( XXXX, XXXX XXXX XXXX XXXX  ) passed in XXXX which altered how transplant recipients were prioritized. I was XXXX at the time, and otherwise healthy. I jumped in front of the line based on the XXXX. I am a blessed man. 

I underwent a XXXX XXXXXXXX transplant in XX/XX/XXXX. Post-transplant life has been extremely gratifying, and equally challenging. Recovery has been even more challenging due to chronic rejection. 

It took years before I was able to get back to my wordily affairs. I was startled to see our HELOC balance at {$99000.00} on statement dated XX/XX/XXXX. We had made every payment since XXXX and expected the balance to be much lower. Since, I have been requesting information from PNC about why our balance is so high. It took years but it was identified that that there were two additional checks written on XX/XX/XXXX and XX/XX/XXXX. Both were listed as " Convenience Check XXXX MI ''. We did not write those checks. We have been asking for years if we can get copies of those checks. We have not missed a payment. This morning ( XX/XX/XXXX ) we received a call form PNC representative to discuss the issue. He concluded the conversation by stating that PNC is only obligated to provide copies of the documents for 7 years so they will not provide us the check copies. Also, if we stopped making payments, they will take us to collection. 

We have all supporting documentation, if needed. Please advise if you can help us in resolving this matter. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA
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 three credit bureaus below has violated my rights. 

XXXX TransUnion XXXX This is how my information should appear on my credit reports. 

Name : XXXX XXXX XXXX Date of Birth : XX/XX/1982 Social Security number : XXXX Address : XXXX XXXX XXXX XXXX XXXX , IA 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 2021-08-09
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
During the last week, three prepaid Visa debit cards were compromised, where the source of the vulnerability was the company 's own website www.giftcardmall.com/mygift. A user would type in the card information online, only to get an error message. Unbeknownst to the unsuspecting customer, the card 's information is being leaked to a hacker, and the remaining balance is being siphoned off in the matter of seconds ( usually via fraudulent XXXX transaction ). A second attempt to login is usually successful, and it shows the card balance accurately albeit at XXXX, as someone had just debited a transaction exactly equal to the remaining balance. This has happened from multiple IP addresses and different browsers. The only reliable way to check a balance on a card is to call via the telephone automated line. It is virtually impossible to register a card online, because that would mean someone will drain it, as was the case with card # XXXX, from which the entire {$200.00} balance was stolen even prior to first use. In contracting with Blackhawk Network XXXX  Inc. the Bank has repeatedly failed to manage third party risk. Blackhawk Network XXXX  Inc. has been very difficult and defiant in resolving these claims. They would ask for multiple and onerous pieces of information, whereas the fraud obviously happened on their end. They also will put a 10-day deadline on many of these cases, and demand multiple pieces of information including receipts, copies of utility bills, copies of the debit cards in question, and I was just fortunate enough to have all of these. But what if I had thrown them away?!? 

I still have two claims unresolved, and more and more information is being asked of me even though I registered both cards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-29
Company: FIRST MIDWEST BANCORP, INC.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I checked my bank account on theit app, and found a {$9.00} direct atm fee. I have never received a fee for using an atm before besides the surcharge incurred at the terminal. I called and spoke with XXXX, who claims I was given paperwork at the opening of my account that states if an atm is not in network, I will receive a {$3.00} fee per usage. I do not recall seeing this, nor have I been charged previously for any atm usage.

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 2023-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Transunion, XXXX and XXXX and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2021-08-09
Company: Resurgent Capital Services L.P.
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: Investigation took more than 30 days

Complaint:
On XX/XX/2021 and XX/XX/XXXX disputing the claimed debt from LVNV Funding LLC- In my requests I asked for validation of the debt and the signed contract to verify the agreement. The company, within 30 days, has failed to comply or remove damaging information from my credit report. 

The unvalidated debt for {$670.00} remains on all three of my credit reports. It is now XX/XX/2021 - and despite my two attempts to dispute the unverified data and request for proof of validation, remains ( 18 days past the limitations ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian is not reporting my XXXX XXXX Visa ending in XXXX and my XXXX XXXX Master Card ending in 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 2023-01-04
Company: Experian Information Solutions Inc.
State: CT
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:
EXPERIAN under 15 USC 1681 is an ELABORATE MECHANISM that ASSUMED its role to report on consumers. EXPERIAN is DEMANDED to exercise their GRAVE DUTIES to report on consumers accordingly to the FCRA with RESPECT and ACCURACY. EXPERIAN has in fact FAILED to EXERCISE THEIR GRAVE DUTIES and are in violation under Federal Law. EXPERIAN has violated 15 USC 1681a ( 1 ) ( 2 ) which states " The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report '' EXPERIAN has included such accounts on my consumer report. EXPERIAN is in violation under 15 USC 1681c ( a ) ( 4 ) which states " Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information- ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. '' EXPERIAN has included such account in my consumer report. I DEMANDED removal of these accounts and EXPERIAN has instead CONDUCTED A FRAUDULANT REINVESTIGATION and has stated VERIFIED. I DEMAND under definition of " INVESTIGATIVE REPORT '' and 15 USC 1681i EXPERIAN to provide the NAMES & ADDRESSES OF THE PEOPLE THEY PERSONALY INTERVIEWED TO VERIFY THE INFORMATION by XX/XX/23. If EXPERIAN CAN NOT provide this information, they SHALL delete the demanded accounts IMMIDIATELY. This accounts are not in dispute but are a violation under the FCRA. EXPERIAN has committed fraud for conducting a none requested Fraud Reinvestigation. EXPERIAN is liable under 15 USC 1681n and 15 USC 1681o for Federal Law violations.

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 2023-02-14
Company: Experian Information Solutions 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:
Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

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 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 explanation
Consumer complaint received 2021-12-28
Company: ZIONS BANCORPORATION
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Zions Bank has been calling daily during business hours to collect payment for my closed Amegy checking account. I have repeatedly asked them to email a detailed statement and include who and where to send a payoff check. Yesterday I finally told them to stop calling my cell phone for any reason and only email the requested document to XXXX. I DO NOT WANT ANY MORE CALLS FROM ZION BANK. I'm not avoiding payment only want to see the itemized payments after the account was closed.

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 2022-12-25
Company: Paramount Capital Group, 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 status incorrect

Complaint:
Paramount Capital Group sent me an email on XXXX, XX/XX/2021 stating that " Your Paramount Loan is Closed ''. This company reported me late paying to the credit agencies for being late on my payments. ( Paramount Capital Group XXXX XXXX state XXXX XXXX XXXX PA XXXX XXXX ) stating I owe them {$1300.00}. This is bad because I have proof of the email that was sent to me.

Company response to consumer: Closed with explanation