BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-03
Company: Ditech Financial LLC
State: VA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XX/XX/XXXX, I called to Ditech and stated that my XXXX-year-old Son was killed after being struck head-on by an off-duty police officer who was driving recklessly on the wrong side of the highway. During that time, I was satisfying final expenses ; and requested a payment extension. The Ditech Rep stated that they would forward me the paperwork for the request. 

XX/XX/XXXX, I received a plethora robo phone calls from Ditech requesting payment for XX/XX/XXXX and XX/XX/XXXX payment, ; and with every single phone call, I had to agonize over the pain of explaining to them about the death of my Son. I asked them was it possible to log the information I provided them, in an effort to avoid constantly repeating, my XXXX year old Son was killed in a car XXXX  and Ditech is working on extending the payments. However, to no avail, I had to continue to endure this suffering because no one bothered to take the proper steps necessary to accurately notate the account, and actually read it prior to calling me. 

XX/XX/XXXX, I accessed Ditechs online mortgage payment system to make two separate payments for {$690.00} each, for XXXX ; however, Ditech debited my account twice for {$2600.00} each time, for a total amount of {$5200.00}. I immediately called Ditech to make them aware of this error, and I was told by Ditechs representative that there was nothing that she could do about a Web payment glitch, and I would have to go to my financial institution and have them to perform a stop payment in order to reverse the charges and to get my money back. After the payments were returned to my account, I went to the USPS and purchase two money orders for {$700.00} each, for a total of {$1400.00}, with each {$700.00} money order labeled payment for XX/XX/XXXX and XX/XX/XXXX,  respectively. Within the same month, I purchased another money order for {$700.00} for XX/XX/XXXX payment ; which clear all outstanding payments. 

XX/XX/XXXX thru XX/XX/XXXX, I have purchased money orders for {$700.00} which exceeds what is actually owed each month, and from XX/XX/XXXX to present I have continued to received harassing phone calls and letters of threat to take my home due to an unforeseen tragedy in my life, a glitch in Ditechs online mortgage system, and incompetent and insensitive Ditech employees. 

XXXX, XXXX, and XXXX were the only competent and compassionate employees out of the 50 or more of the Ditech employees that I spoke with that could identify the problem within their system, and could see that payments were being made. Further, I was told not to worry about it, the problem would be resolved, and the Ditech Rep apologized profusely on behalf of Ditech. Unfortunately, noting has changed. I continue to be harassed and threatened with letters of foreclosure for Ditechs mistake.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-30
Company: Phoenix Financial Services LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filled a dispute concerning the incorrect items on my credit file. It has been a little short of 30 days and I have not received any updates regarding my investigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance With The Fair Credit Reporting Act XXXX XXXXXXXX, Has Violated My Rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX WAY XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX Balance : {$4000.00}, XXXX XXXXXXXX XXXX Balance : {$660.00}, XXXX OF MO XXXX XXXX : {$0.00}XXXX XXXX XXXX XXXX XXXX Balance : {$450.00}, XXXX OF MO XXXX XXXX : {$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 non-monetary relief
Consumer complaint received 2020-07-12
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX, XXXX XXXX XXXX XXXX, ( Intro Banker, ( XXXX ) XXXX, NMLS # XXXX ), a banker with QuickenLoans followed up on a request for a refinance. On this follow-up call XXXX informed me of a special that was ending this month ( XXXX ) that would waive closing costs however we would need to at least tart the application process today ( I was at XXXX XXXX for a short holiday and he assured me it would just be 10 minutes and we could finish the following day ). I recall the credit being XXXX or so which they consider excellent. All seemed fine until the next day when XXXX and I were meant to finish the applications process. On this call XXXX informed me that the cost of the loan would be {$6200.00} which included, title ( not sure what this was about - I already had a title ) and escrow however, {$5300.00} of this I was told were government mandated closing costs which could never be waived. With wavering confidence i continued with the process until getting to a pre-filled form with still higher costs, near {$12000.00}. In response to my concern XXXX stated that this was just an estimate and final numbers would only be known after underwriting. At this point i am very uncomfortable, hang-up with XXXX and bring in my attorney XXXX to clarify a few items. I have posted the email exchange into a word document as supporting documentation. You will notice that when responding to XXXX, the previously mandated government fees are now not mandated but its up to underwriting which is deceit number 2, the first being the fabricated special on closing costs which appears to only exist in the fraudulent mind of this banker. You will further notice the response from QuickenLoans when i reported this behavior. Complete deniability. The deceptive business practices of this company and their employees need to be exposed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Conns XXXX repeatedly calls my phone several times a day. ( up to 6 times a day, 3 times on average a day. ) I have never had an account with conns, and will NEVER shop with them if this is how they treat their customers. 

They claim my diseased father whom, I have had no contact with for over 25 years put me down as a reference. Which is a straight out lie, as my father never had my phone number, let a lone provide it to anybody as a reference. 

They repeatedly call my sister too. 

I have repeatedly told them not to call me, as I have my own medical issues and it is very stressful when they call back to back from different numbers for somebody who I have not seen or had contact with in over 25 years. 

Particularly when they know he is diseased, because they told my sister they would need a copy of his death certificate to stop calling. My sister who did have contact with my father paid money to get a copy of his death certificate, and provided it to them. 

However that did not stop the calls, they continue to call multiple times a day, the whole time knowing fully well that my father is diseased. 

I have received 23 calls in the last 3 weeks concerning this, which is ridiculous. 

I have even told them, when they claim they have to talk to him and as a reference I have to help them contact him. Their best possible way to talk to a diseased person is to try and talk to them at the cemetary. Maybe they could go talk to his headstone at the XXXX XXXX XXXX National Cematary and talk to him there. 

These calls need to STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-30
Company: Coinbase, Inc.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account is restricted, I can't withdraw my money, they don't have information on why, or what to do to my account to function again. They have a really bad customer service, and there is no answer to my question in faq.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-20
Company: Experian Information Solutions Inc.
State: NM
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:
Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.

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 2021-01-27
Company: SYNCHRONY FINANCIAL
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I received a debt collection notice regarding a bank I do not have an account with Synchrony Bank ), I believe this is a fraudulent mailing- dated XXXX XXXX from XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I am invited to 'pay with cash at XXXX and & - XXXX XXXX  '' in the amount of {$2500.00}

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 2019-08-13
Company: EQUIFAX, INC.
State: KS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have several inquiries on my credit report by the same bank multiple times. This was NOT authorized by me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These inquiries need to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Santander Consumer USA continues to furnish inquiry on credit file. During the time of inquiry, I was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
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:
On XX/XX/XXXX I contacted Capital One regarding my Lord and Taylor account and wrote letter to let them know there was an issue with my account. I explained to them I did not receive a statement or phone call to pay the bill of approx. {$30.00}. I asked how can I pay a bill that I never received and asked them to remove the 30 day late from my file. They reported {$95.00} being the balance and that was also incorrect. The late fees was waived. 
On XX/XX/XXXX I received letter from Capital One and they said based on the information I gave them, they are unable to change their reporting on a courtesy basis. They also included the Fair Credit Reporting Act requires Capital One to report the account history accurately. 
On XX/XX/XXXX, I wrote back to them that it was not a courtesy. I did not receive the statement so how can I pay if I didn't receive the statement. The payment was immediately paid once I received notice from XXXX XXXX my account was late. I paid when it was known to me. If I was not properly notified about a payment, this 30 day late should be removed and not held against me. 
On XX/XX/XXXX, I received the same standard letter they gave me on XX/XX/XXXX. Only thing that was changed was the date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: VA
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:
My name 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 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 2023-02-02
Company: WELLS FARGO & COMPANY
State: IL
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 applied for a rent payment credit card through Bilt during the first week of XX/XX/2023. It is a card company that seems independent, but is actually completely supported by Wells Fargo, including customer support and payment portal.

During this month of opening the card, I already had to call its customer service line to resolve some issues that I have never encountered through other credit card companies.

1 ) Two days after opening my bilt account, my account was attacked by fraud, and I wasn't notified at all. I only found out when I was scrolling through recent payment. I had to contact Wells Fargo to get a new card.

2 ) Seems like Bilt uses a different payment system than Wells Fargo. I submitted payments ( twice ) through Bilt app, after I successfully linked my bank account on the app. Both transactions failed to go through, so I had to call again. The wells fargo agent told me that they didn't see a bank account linked on their portal. This is why I suspect that Bilt uses a completely different system than Wells Fargo, because their information is not at all connected, which causes a huge hassle for consumers like me. 

3 ) After I had to submit my payment through Wells Fargo ( which went through ), I found out that my account is closed, without any warnings or emails or notifications. And no opportunities to dispute. I tried to explain what was going on, but the agent kept repeating the same sentences that they can do nothing about this, while I clearly have done nothing wrong.

No idea how this closure of my account will impact my credit score, but below are some points that I want to summarize regarding to Bilt : - Constant typos on their website and app - They don't have their own customer line - everything is supported and referred to Wells fargo, which is super confusing - Disconnection between Bilt 's database and Wells Fargo database, which is risky- They have a lot of positive reviews on XXXX app store. I suspect that many of them were fake.

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 2021-08-20
Company: EQUIFAX, INC.
State: IL
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: Problem getting your free annual credit report

Complaint:
Mailed a certified letter to XXXX XXXX XXXX for my free credit reports on XX/XX/2021 which was received by them on XX/XX/2021. 
I received credit reports from XXXX  and XXXX  but nothing from Equifax. 
I contacted XXXX XXXX XXXX and they mailed me a letter saying I have to contact Equifax but I could not locate a way on the Equifax website to have the free report mailed to me. 
Can you help? 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXX I was called from IQ Data International. They asked me coud they collect n a debt on an recorded line and ask me if I could pay my debt of {$250.00}. I agreed on an automated line that if I paid the debt they would remove the debt from my credit report. I have a letter attached in writing where they agreed to remove it. I looked at my credit report today and they reported the debt as a charge off and did not remove it from my credit report. I called IQ International on XX/XX/XXXX because they are reporting my debt as a charge off when that was not what my agreement was. The rep on the phone said yes they agreed to it but it can take months to remove. My FCRA rights were violated and I want this account removed from XXXX, XXXX and XXXX immediately!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: Paramount Recovery Systems, L.P.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have sent several letters demanding removal of this medical collection in which I was never seen for medical service company NOR have I signed any HIPAA forms for service. Furthermore I know my rights, I am allowed under the HIPAA law to protect my privacy and medical records from 3rd parties. I do not recall giving permission for XX/XX/XXXX to release my medical records to paramount recovery.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-29
Company: CUSTOMERS BANCORP, INC
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a PPP loan with XXXX on XX/XX/2021. This was basically the 1st day I could apply for my business. 2 months have gone by & there have been nothing but problems. XXXX is stating they are getting the loan through Customers Bank however today I was notified that there is no loan! This is after they made me jump through hoops for all kinds of additional information that was never requested or required of me from the beginning. None of my counterparts that filed for PPP loans had to submit close to any of the information I had to submit. Everyone I know that submitted an application for a loan was funded a long time ago. I am a real small business & I don't see any of the large businesses or the larger loans being denied. This is complete fraud & discrimination.

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 2020-10-20
Company: Santander Consumer USA Holdings Inc.
State: MA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
I have a XXXX XXXX XXXX XXXX  that I bought from a dealer with a subprime loan thru Santander Consumer USA 7 years ago. Admittedly, I had to ask for loan assistance twice due to the XXXX XXXX of my son. Thus I expected the the 3 months would be added to the end of the load. The maturity date was XX/XX/XXXX. I called to ask why there was still a $ XXXX balance and they said I still owed that amount. They would see if they could do a re-modification of the loan. They came back with an additional 2 years at {$700.00} per month. I have been paying {$700.00} per month for 7 years and can't believe I now owe this much more. This doesn't seem reasonable to pay another $ XXXX for a car that will be 9 years old and the book value right now is < XXXX. I asked them to send me the agreement and the APR is 21 %. The breakdown is still part to the principle and part to the interest. I have not signed the agreement. I am considering voluntary repossession but I know this will severely affect my credit. ugh! They are bilking people with low credit scores. I suggested that I could sell the car to XXXX for XXXX if they would accept that as a payoff and they refused and told me to trade it in towards another car. I am almost XXXX years old and don't want another car payment. Please help!

Company response to consumer: Closed with explanation