BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-07
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I being paying Ditech for months, trying to get on track, they sent my loan number to another company, without being notified, I told them I have a loss of incomes, which it seems to matter to them, I apply for a loan deferment, was turn down, they don't try to work with you, being having problems with them, told me already had four deferment and denied the fifth deferment, they don't seem to care about their customer, it all about money, I being paying XXXX most time it being XXXX if home insurance need to be added, but they took over the XXXX for insurance Pay by them, I have a loss of income, since XX/XX/XXXX, my home is damages, which I file a claim in XXXX, they refuse to fix the home, the adjuster say how he knows if it water damages, mode on the wall kitchen wall wall damages, fridederator was leaking in the line, no help from them, kitchen floor coming up dues to water problems in my home around XXXX, then around XX/XX/XXXX, tree fell on my home, the the insurance people told me, I have to remove tree off my house, before I they can come out to take picture, which claim did go through, with Ditech and my names on it, I sent them the check where both parties need to sign, as of XX/XX/XXXX my home is still damages, no return check, only thing u get was that's my loan went into default, now I'm. Paying XXXX, extra dollar to catch up, then charge XXXX for processing fee, all they ask when you have the rest of the money, but my home is broke down, when it gets fix, bi do not know, they put the insurance claim check in the escrow account, I don't have an escrow account, it just sitting there, why my my home getting worst, especially when it rain, because they not letting me know anything. My loan account number is XXXX, also ask what happened to all extra money, I pay, they claim it went on interest, my old loan was XXXX before transfer to new loan, starting over again

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On Wednesday, XXXX XXXX XXXX I tried to place a credit freeze through Transunion. Their process is unnecessarily convoluted and not at all reliable. First I had to wade through innumerable ads to use their own " lock '' service instead of the freeze I already knew I wanted. Then, instead of simply identifying myself and receiving a PIN on one simple page as with every other credit agency, I was forced to sign up for a Transunion account. 

The account creation process itself is an exercise in poor web site security practices, including silently truncating passwords over an arbitrary length, outdated " secret questions '', plain text entry fields for dates instead of date pickers, required manual formatting for dates, complexity requirements that are n't explained anywhere, and misleading or blatantly incorrect error messages. 

Once I fought through all that mess, I finally was allowed to actually request my credit freeze. After adding my payment information and answering the identification questions, I reached the standard commit page that warned me not to refresh the page or press the back button. Once everything appeared to complete and I was redirected to confirmation, the page at https : //freeze.transunion.comXXXX did n't even load! I now have no idea whether my freeze is in place or I have been charged for it. 

With everything that XXXX has done over the last several months, this sort of incompetence on a public facing web site of a credit reporting agency is simply gross negligence. And these agencies have the gall to charge us for their services.

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 2017-10-04
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
This is a utility account open XXXX XXXX. I did n't open this account, however I paid it in full in the early months of XXXX, I believe it was around XXXX or XXXX XXXX account had an outstanding balance of {$71.00} dollars. I paid it because at that time I was buying a house and it was an outstanding negative balance on my credit profile. 

The credit agencies are still showing this as an negative account. I disputed this account with the credit reporting agencies and I guess they must have contacted the utility company and the company says this account is still showing not paid and as a charge off.

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 2017-12-26
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My wife and I are in the process of getting a home loan. The loan is in the final stages of being processed and then we just received notice that XXXX XXXX hit my report with 2 new collections. The account numbers are XXXX for {$60.00} and XXXX for {$1800.00}. We have several issues with this. # 1 is both of these collections were already disputes and deleted from all XXXX bureaus from XXXX XXXX XXXX recently. XXXX reported 2 collections, account numbers XXXX for {$18000.00} & XXXX for {$60.00}. The bureaus deleted these accounts within 30 days. Now a few months later XXXX some how gets a hold of this and reports it. I am assuming XXXX sold it to XXXX without telling them this was already removed from my report. # 2 problem is XXXX XXXX never sent us a 30 day " notice '' letter letter giving me a chance to contact them and let them know this was already removed from all XXXX bureaus just recently. 
Because we were not notified and this was posted on the report, we are now in jeopardy of not being able to close on the home loan. We are deeply upset and frustrated this has happened and would like you to PLEASE investigate this and remove it from our reports as we feel that XXXX illegally reported it and then once removed sold it to XXXX who never even notified us of the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is a complaint against XXXX XXXX XXXX XXXX XXXX Regarding a so called debt which I am not aware of from 2008 the original creditors XXXX XXXX XXXX XXXX from The above co obtained a judgment the XXXX XXXX court. I did not receive any communication from any of these people, now they are writing a letter stating that I owe {$840000.00} these people buy debts pennies on the dollar I am not aware of any such debt. and they are trying to collect a false debt from 2008 the statue of limitation for any civil law is 6 years this is way past the time and I do not owe any one such a debt. the above law office is intimidating and harassing me under the guise of law firm or a debt collector I want this people to stop the letter d of intimidation and harassment

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: Summit Financial Corp.
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: Information is missing that should be on the report

Complaint:
Summit financial says I was late on car payments XXXX/XXXX/XXXX days when I ws under a chapter XXXX since XXXX/XXXX/XXXX. They we 're paid through the trustee so there 's no way try were payoff late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX had brought me to small claims court XX/XX/2019 for an alleged debt with XXXX XXXX XXXX 

There was a Judgement of Dismissal rendered on XX/XX/2019 in regards to the debt they were trying to collect from me. 

The judgement is very clear stating I am not responsible to pay any part of this debt and that XXXX does not have any right to appeal this judgement. 

Since that day, XXXX has continued to tell all 3 credit bureaus that the debt is valid. 

Because of this, the 3 credit bureaus continue to keep this debt on my credit report even after the fact that I have provided the court documents showing I am not responsible for this debt.

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 2021-06-10
Company: DISCOVER BANK
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I opened a discover secured card. They took the money out of my account next day they said my funds will be held until IRS form is signed. Would not be a big deal if they made you aware of this before they take your money. I should have been notified before they took the money because i never would have agreed to such a thing. I feel like this is bad business and needs to be changed these companies must tell us about the irs forms up front.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13
Company: EQUIFAX, INC.
State: CA
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

BANKRUPTCY reporting on all 3 of my credit bureaus 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: Experian Information Solutions Inc.
State: MO
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:
Had a collection account appear on my report. XXXX, XXXX & XXXX Original creditor : XXXX XXXX  XX/XX/XXXX. I never had an account nor know what XXXX XXXX is. I disputed online then via certified mail. I said please provide the original documents with my wet signature to irrefutably proof it is valid. if not please remove and send me an updated report. Did not receive anything. Report Number XXXX Date Generated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Account * XXXX Remains The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. 

No information was provided and it was outside the window.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: WI
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:
Please review the uploaded letter. There are inquiries on my credit report that I did not initiate or authorize.

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 2017-10-04
Company: Convergent Resources, 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: Problem with personal statement of dispute

Complaint:
I wrote and mailed a debt Validation certified letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XXXX XXXX. They responded with a contract that was not signed by me. As you can see they forged my signature and copy and pasted on the form attached. The address they have listed for me I never lived at that address and was with XXXX in XXXX. So this is not proper proof saying this debt is mine. I reached out to the company twice on XXXX and XXXX to remove this from my credit reports and was denied both times. My next step it to star litigation against 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 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
-case no resolved no answer over years with numerous of voicemail left to XXXX XXXX @ - ext XXXX Case # XXXX i can be contacted @ 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 2022-04-06
Company: Strategic Alliances, Inc.
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/2022 I logged into check my credit report and found an account that was fraudulently opened in my name with XXXX XXXX XXXX Bank in the amount of {$11000.00}. I have since resolved this issue with FFAM ( First Financial Asset Management ) who is the debt collector and I am now working with XXXX XXXX  XXXX XXXX XXXX XXXX ) to make sure my case has been discharged as fraudulent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
Sent Equifax letters for public record removal and also accounts that were listed that are not mine. They have my name listed wrong on my report and i cant get into the online dispute tool. All of the questions that they ask do not pertain to my credit file so how am i constantly locked out. They removed the XXXX bankruptcies and added them back. THEY ARE NOT MY BANKRUPTCIES. I have only lived at XXXX of the addresses that are listed also. I work late and dont have time to call in and dispute this info by phone. There are also multiple inquiries that were not obtained by running my social security number but someone elses that they have mine mixed up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX XXXX XXXX. held Title & the loan on my XXXX XXXX XXXX beginning XX/XX/XXXX**.  They were paid by XXXX $ XXXX by my INSURANCE in XX/XX/XXXX yet kept a {$15000.00} balance on the Account until after XX/XX/XXXX. The problem is XXXX repeatedly reported incorrect and conflicting information to all 3 credit reports. 
First, I could not possibly have taken the Loan on XX/XX/XXXX because my Drivers License was reactivated on XX/XX/XXXX. This alone would should 've resulted in XXXX correcting the Monthly DUE DATE. XXXX reported to EQUIFAX & XXXX " XX/XX/XXXX PAST DUE > 30 days ''. In fact they have admitted on the phone that records show I paid 2x in XX/XX/XXXX. 
On XX/XX/XXXX, accident destroyed the car. XXXX car insurance paid the claim in a timely manner despite XXXX taking 3 weeks adhere to XXXX protocol in releasing TITLE. I was charged and paid a ransom of {$600.00}. XX/XX/XXXX Claim paid by XXXX. XXXX 's sister company " XXXX XXXX ''  paid as well. They also posted payments to someone else 's account to add to mess so the $ 15,000+ remained on my report .XXXX reported and charged me after TITLE was sent to XXXX. 
I only ask they keep their word to correct the 1 late payment during claims process in XX/XX/XXXX and correct XX/XX/XXXX because I paid 2x in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Had a total of XXXX Unauthorized withdrawals from my personal checking on XX/XX/2022 in the amounts of {$200.00} ; {$200.00} ; {$300.00} all equal to {$700.00} the gave me provisional credit the first time and took it away on XX/XX/2022 I called again and they gave me provisional again but they responded to me again that they will be taking it away I called to see what else could be done they inform me that the claim has now been denied twice and they can not honor the claim this transactions were not done by me since the card was not in my possession, I don't understand why Bank Of America is not honoring my claim

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 2022-04-06
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My income tax check was sent to chase bank the received it took there debt an sent me a check with a different amount collecting there debt. Now they want to collect there debt with full amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
ONGOING 2 YEARS LATEST XX/XX/2017. THEY TELL ME I AM NOT MAKING THE APLICATION. MISSING INFORMATION. 

I believe the problem arises from the Street address. My location two distincly different addresses. The Post office shows the corect address as XXXX XXXX XXXX XXXX, XXXX XXXX XXXX verified. If I look up the closest mailbox it shows XXXX XXXX. XXXX XXXX and XXXX automatically change it to XXXX XXXX XXXX.The Post Office, XXXX, XXXX are all aware of the problem but overlook it in an effort not to inconvenience their customer. XXXX and XXXX display XXXX XXXX [ CORRECT ] XXXX Verify approves both, but there is no such road as XXXX XXXX XXXX. All Federal Agencies use XXXX XXXX. No One is willing to make the corrections in their databases. XXXX Blames XXXX and XXXX  does not give a XXXX. This results in the appearnce that there is two of me. .. 
Start with a company name and address to find its ZIP Code. However, this tool cant confirm whether the company is actually located at that address. 
* indicates that Company , Street Address, and either City/State or ZIP Code are required fields Enter only English in all fields *Company XXXX XXXX *Street Address XXXX XXXX XXXX XXXX / XXXX / XXXX XXXX *City XXXX *State. 
IN - Indiana *ZIP Code XXXX You entered : XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX Here 's the full address, using standard abbreviations and formatting. However, we ca n't verify that this is the actual location of the business. Double-check the address before mailing here ... 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXXXXXX, +XXXX, XXXX XXXX +XXXX, XXXXXXXXXXXX, 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 2022-04-06
Company: EQUIFAX, INC.
State: MO
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:
equifax is showing on my credit report accounts that have been removed or not properly verified. 
XXXX- is an account that was disputed and deleted according to communication i received from equifax . 
XXXX XXXX XXXX XXXX XXXX are both unverifiable accounts that equifax refuses to abide by the law and remove the attached letter will show that equifax agreed to remove XXXX  from consumer report

Company response to consumer: Closed with explanation