BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-02-21
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I originated a loan with XXXX in XX/XX/XXXX for a conventional 360 fix with twenty percent downpayment the monthly payment is XXXX for a cooperative apartment. This did not require an escrow account for taxes and insurance. Then the loan was sold on XX/XX/XXXX to XXXX XXXX. Then transferred to ( Greentree mortgage ) who requested a copy of my homeowner 's insurance policy, in XX/XX/XXXX. which I provided. Then ( Ditech ) became the Servicer for Greentree. who requested the homeowner 's policy starting in XX/XX/XXXX as well. I provided them the policy, then they requested a copy of the Structural insurance policy, ( the Master Plan policy ) which after tracking down the co-op board to request their policy, it was sent to Ditech as stated, to assign them as the mortgagee. In the early part of XX/XX/XXXX. However, Ditech continues to bill me for this insurance policy regardless of, and they are applying my mortgage payments to this force-insurance policy, and they are saying, we are behind on our mortgage payment and reporting it to the credit report as such. They have been documenting my credit report since XX/XX/XXXX as non-payments ' which I clearly told Ditech, that this is a Co-op, which the co-op corporation is responsible for this master policy. I was in Bankruptcy since XX/XX/XXXX and was discharged on XX/XX/XXXX. Ditech was sending all my documents to the bankruptcy attorney and still continue to send all their correspondence to them today. I've been dealing with this issue with no avail. and at this point, Ditech has stopped accepting my mortgage payments as of XX/XX/XXXX. I called them to see why they haven't cashed the checks ' XXXX at Ditech couldn't answer as to why but stated over the conversation as it doesn't matter your in foreclosure since XX/XX/XXXX. Anyway, I am confused, if I've been making my mortgage payments, how can you have me in foreclosure status. Can you please help to resolve this issue as you can see I have been trying to solve this since XX/XX/XXXX, with no avail.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-09
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:
This is my 4th time disputing these accounts and no one is responding ... The XXXX is supposed to ensure that these credit bureaus are following the law and they are not. 


XXXX  XXXX Account XXXX XXXX- XXXX Unverified Account US Department of Education- XXXX XXXX Account XXXX- XXXX Unverified Account XXXX XXXX- XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX  XXXX- XXXX XXXX Account XXXX XXXX  XXXX- XXXX Unverified Account XXXX XXXX Unverified Accoun XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas 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 2018-04-05
Company: SYNCHRONY FINANCIAL
State: NY
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:
To Whom it May Concern, I have recently obtained a copy of my credit report that reflects a credit inquiry made by your company that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by 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 2018-04-05
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
my brother mortgage and bank accounts was transfered to citibank from XXXX XXXX and they came from XXXX XXXX. Now the mortgage that was less than XXXX dollars is now XXXX and we do not know how that change so much you should have the answers, because you have all the true informations we need about his accounts.. we want that information as soon as possible.his name is 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 2018-04-05
Company: TD BANK US HOLDING COMPANY
State: NY
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 recently obtained a copy of my XXXX  credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX  credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: BMW Financial Services NA, LLC
State: NY
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 recently obtained a copy of my XXXX credit report that reflects a credit inquiry made by your company on XX/XX/2016 that I do not recall authorizing. 

This letter is your formal notice to remove the unauthorized hard inquiry your organization has made to my XXXX credit report. This is also a formal request for you to immediately contact the credit reporting agencies and credit bureaus, to have this unauthorized inquiry removed. 

To the best of my knowledge, I did not sign any documents authorizing your organization to view my credit history. As such, your inquiry violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions not initiated by Consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
I have sent a total of 3 disputes requesting that inaccurate information be removed from my report. They keep responding the information has been verified without sending any documentation which give them the right to list this inaccurate information on my report. The reporting of this inaccurate information is destroying my credit I have sent all letters certified mail I have receipts upon request, I also have copies of all letters & copies of the company response.

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 2022-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX delete a non-accurate XXXX bank account on my credit report... Meanwhile, TransUnion is refusing to delete this account, and they never could verify this account when the latest proper documentation ....

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 2018-10-09
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: Personal information incorrect

Complaint:
I contacted Transunion on several occasions Asking for these address to be removed and nothing has happened i have spoken to managers and supervisors and still no one has fixed this issue. i called in XXXX, XXXX, XXXX, XX/XX/2018 the address is still being reported

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 2017-09-14
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Hello, first of all, I 'm very grateful to have you guys as a resource for these types of problems. Thank you! 

On XXXX XXXX, 2017, I sent a Wire Transfer in the amount of {$1000.00} USD from my XXXX XXXX XXXX Account to Coinbase , Inc through XXXX XXXX XXXX. The Wire Federal ID # is XXXX Coinbase emailed me the same day stating " You recently sent a wire to your account for {$1000.00} USD,  unfortunately, we were not able to process this wire due to a name mismatch and your money has been sent back to your bank. '' It 's been 2 weeks and my bank has not received any money back and they confirmed that the money has been wire transferred out successfully to Coinbase. I have emailed Coinbase 5 times, and I just get automated responses with no solutions. I have nobody to reach in their company.
Can you please help me? 

Thank you! 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Received notice from Equifax account had been compromised. went to site 2x, filled out form. received tag saying link would show up w/in two days. Nothing. phone number on site was dead. dug around, on XX/XX/XXXX called XXXX '' XXXX '' answered. got same line of " please be patient. '' when pressed he ADMITTED Equifax did n't know IF it would-or when-be ABLE to provide the services promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
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:
I let you know the fraudulent account I found on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-24
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:
After discovering this debt with XXXX XXXX  XXXX XXXX XXXX that did not belong to me. I began years ago asking for validation, send the police reports even attempting to negotiate a settlement to remove this fraudulent accounts. The company refused to validate or provided provide an opportunity to resolve the debts. I have contacted them by mail and phone, my certificate letters asking for validation of the debts and proof had been ignored, they have given me no options to resolve since this debt does not even belong to me and have after my recent attempt to work with them to get removed this debts removed since is not mine. They update this old debt to my report with wrongful identity information which caused my fico score to decrease. I have exhausted all efforts to work with this company to resolve the issue with this debts being reported which does not belong to me, they refuse being reported which does not belong to me, they refuse to effectively communicate.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX. XXXX : Account Number : XXXX Original Creditor : XXXX XXXX XXXX To whom it may concern, XXXX XXXX XXXX XXXX a subsidiary of XXXX XXXX has had 728 XXXX XXXX XXXX Complaints in the last 3 years and 36 complaints filed with the CFPB recently. Errors are being made and it is defamation against me which is costing my family money and making me XXXX  ; my families blood is on their hands and they don't care because I'm just a poor XXXX man. I'm not XXXX though and I will save to fight this in court. On multiple occasions I requested proof of this debt with from Transunion. Absent such proof, they must terminate this from my report, and correct any erroneous reports of this debt as mine IMMEDIATELY. Their continued silence in this matter is unacceptable. Either provide the proof or correct the record and remove this invalid debt from my credit report ITS SO SIMPLE AND SEEMS " FAIR '' AND CORRECT!!! This is a request for the REMOVAL OF THIS ACCOUNT FROM MY REPORT! I have copied the XXXX XXXX XXXX, FTC & Attorney General of Washington and the CFPB. I will be taking legal action against Transunion if this erroneous item is not removed from my report. 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 2019-10-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Citizen 's one continues to call for some auto loan that is not mine. Over ten times I have explained that my number does not belong to XXXX XXXX and each time the promise to remove my number but they call one to two times per day except Sundays. I was told the number to call to get more information is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: FinCo Services Inc DBA Current
State: IN
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
Hello. I bank with Current Bank. Its an online bank. I've been trying to log into the app to get to my funds. On Monday XX/XX/2021, was the last time I used the card. Tuesday XX/XX/2021 I could not log into the app to get my money. I've sent several emails to this company. They keep telling me different ways on how to log in the app but nothing has worked. On XX/XX/2021 I was told that my issue will be escalated but i haven't heard back from the company. No one is telling me why i cant use the app. I just can't. I pay all of my bills from the card that i have with them. All of my money that i have is on this account. Please can someone help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-02
Company: U.S. Auto Sales Inc.
State: VT
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:
In XXXX of XXXX, I purchased a XXXX XXXX XXXX from Us Auto of XXXX SC. A week after having it, I had to have the engine replaced because they forgot to put oil in the engine or failed to check it. I have not missed any payments on it and I take care of it. Fast forward to today, when I was notified by all three credit bureaus that my Us Auto Loan have jumped from XXXX to XXXX yes you read that correctly! Shortly after being notified of this I received a call from our interning mortgagee fianc company that they had checked my credit reports today and seen this change and can not approve my mortgage request ( mistake or not ) until it is resolved and US Auto takes written responsibility of it! I am devastated, I have spent the last year working out of state to help displaced families have housing. I have been away from my own family, put myself in harms way fighting COvid 19 and stayed working so I could save every penny and put myself in position to be able to buy my first home and this happens? I called US Auto Sales only to be told that they only report every month and that it wont be fixed until XXXX. I asked to speak to higher ups and been told I cant. I was laughed at by one rep who said yeah well your XXXX is definitely not worth XXXX! 
I dont know what to do or who to turn to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2018 I wrote a personal check issued by the XXXX XXXX XXXX  to my husband in the amount of {$2000.00}. He deposited the check via Bank of America local ATM ( where he holds his checking and savings account ) the same day XX/XX/2018 at XXXX. The print-out receipt, which includes a photo-shot of the deposited check, stated that " A hold has been placed on your deposit. Total amount delayed {$2000.00}. Reason : A hold was placed on your check ( s ) because specific information indicates item may be returned. '' On XX/XX/2018 I called the XXXX XXXX XXXX XXXX   automated service and verified that the check issued to my husband in the amount of {$2000.00} was already withdrawn from my account as of XX/XX/2018. My husband and I immediately called the Bank of America to clarify the situation and complain about the unreasonable length of their hold on our check, especially considering that the funds were already withdrawn from my XXXX XXXX account. 

We first spoke with a representative ( my husband has a profound XXXX XXXX and authorised me to speak on his behalf ). Getting no satisfaction, we asked to be transferred to the supervisor. XXXX XXXX, the supervisor who spoke to us, informed us that there was nothing the bank could do to expedite the availability of the deposited funds, and the {$2000.00} will not be available earlier than XX/XX/18, despite the fact that the money was already withdrawn from the bank issuing the check. We advised the supervisor that according to the federal regulation on ATM deposits, if the deposit is made with the ATM of the bank that holds the account, a check in the amount of over {$200.00} should be available after two business days. Still, the supervisor insisted that nothing can be done to make the funds available to us prior to the XX/XX/18 date that was stamped on the initial deposit receipt. No one has ever advised us that Bank of America can have such liberties of putting a hold on the check for such a lengthy period of time, and after the funds were already withdrawn from the account of the issuing bank ( XXXX XXXX ). Thank you very much for your help.

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 2018-04-10
Company: BB&T CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXXmy bank account was frozen. I contacted BB & T ( my bank ) they stated there was a judgement against me. When they provided the name it clearly didn't belong to me. 

I was directed to the attorney for judgement/order - XXXX XXXX who requested proof that the account didn't belong to their debtor. I requested the bank to furnish letter, account owner information and signature cards multiple times. I was told by the bank that they couldn't locate that info at the moment. After 8 days of requesting more info the bank finally furnished the restraining notice along with their Q & A from subpoena onXX/XX/XXXXwhich irrefutably verified and documented I was NOT the debtor and the debtor had nothing to do with my bank account. My account was levied that day after 8 days of being on hold for {$1800.00} which was all the funds I had in my account. 

This debt does not belong to me and my account is not associated with this defendant in question. All of my funds have been taken. 

BB & T was legally responsible to verify that the bank account levied was titled in the debtor 's name and that ownership matched the judgement. Title did not match, ownership did not match, and in fact the Q & A documentation that BB & T sent back to the attorney verified that the debtor in question is not associated with the bank account that was levied and that the account was not titled in the debtor 's name. None the less, BB & T still allowed the levy to proceed in spite of the facts which is highly suspect and raises reasonable doubt of BB & T 's practices. 

The bank account number the attorney added does not belong to the debtor ; BB & T must now be held responsible for my losses. The attorney added my bank account number and BB & T knowingly allowed the levy even though that bank account was not titled in the debtor 's name and did not belong to the debtor. 

I would appreciate your support holding the bank you are suppose to be governing responsible for irresponsible and fraudulent misconduct. 

This is completely unjust and unethical.

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