BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am extremely exhausted and frustrated. In XXXX I truly fell on hard times and reached out to Ditech for a loan modification, I was told it couldnt be done because I didnt have enough equity in my home. I called XXXX and was relaying my problem to one of their associate when Ditech Called me back to say theyll do the modification because there was equity in my home.They offered to modify my loan and gave me a trial payment for three ( 3 ) months.In XXXX Ditech sent me the modification papers to be notarized which I did and return to them.Suzette out of Florida was the person communicating with.She informed me that the papers were received and the system was being updated and after such my statements would no longer show the arrears. 
The monthly statement were still showing the arrears and the amounts were different.When I received the tax paper for XXXX it showed that I only pay $ XXXX.as interest for the XXXX. 
In XXXX of XXXX I received a call from XXXX stating that he will be sending me modification papers to be notarized he gave me no explanation, however I had the papers notarized and returned to the address in XXXX called me on a Monday while I was at my doctors office to inform me that the notary didnt write the State on the papers so Ill have to do it again .I did 3 sets of modification papers to be told on XX/XX/XXXX That the dates have passed Ditech will not do the modification because it will increase my payments. 
PLEASE HELP I AM TRULY AFRAID

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-19
Company: EQUIFAX, INC.
State: NC
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:
I have reported identity theft and fraud since XX/XX/XXXX with all credit agencies Equifax made the following dates inquiries without my knowledge or legal permission 15 inquiries without my knowledge or permission XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX EQUIFAX The other complaints will by reported seperately

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-12
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
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 has been reporting my credit history to all 3 credit bureaus and that information is incorrect. To start they are stating they had my mortgage since XX/XX/XXXX and they were not even established as XXXX XXXX until XX/XX/XXXX. Furthermore HFC held my mortgage inXX/XX/XXXX to XX/XX/XXXX when it was sold to XXXX. Please see attached cover letter to explain more in detail with other docs involved to dispute this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
In XX/XX/XXXX i noticed someone using my information to try and get things in my name as a result I have over 10 hard inquiries on my transunion and XXXX report. Anything from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX are all part of the fraud with exception of XXXX XXXX XXXX XXXX which is mine from a car loan an XXXX. I disputed all inquiries with all 3 credit reports and only XXXX has deleted them. Transunion and XXXX both denied my claims and they are in violation of my rights and of FCRA. I was told by both reporting agency that my information was part of their breach now my credit scores are affected and they will not do any thing to help 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 2018-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX/XXXX/XXXX I attempted to link my XXXX account to my checking, and Capital One refused to allow me to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-14
Company: Experian Information Solutions 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:
Daily resubmission of complaint originally from XX/XX/22 until Experian ceases and desists in defying authority of CFPB in refusing to cooperate with investigation The following figures are directly from the Experian credit report Credit cards or credit lines Total balance : {$85000.00} 100 % credit usage Credit used : {$26000.00} Credit limit : {$55000.00} $ XXXXdivided by {$55000.00} equals 48 % revolving utilization ratio. 

It does NOT equal 100 % as is being falsely reported and as results in XXXXredit score being falsely 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 explanation
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
CRA is erroneously reporting derogatory items and inquiries 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 2019-04-12
Company: Experian Information Solutions Inc.
State: NC
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: Other problem getting your report or credit score

Complaint:
I tried to get a loan through XXXX. I was informed there was a credit freeze by them but when I called the automated number they said there was NO FREEZE. 

I had to create an account THAT I HAVE TO PAY FOR with Experian to get a number where I could talk to a person to resolve. 

I never placed a freeze. This was inaccurate information by this credit bureau that has impacted my ability to obtain credit.

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 2018-01-17
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Diversified Consultants has been calling me since XX/XX/XXXX. On XX/XX/XXXX, I sent a letter stating that I do not have any knowledge of any debt outstanding, requested that they provide identifying information for the alleged debt, and demanded that only contact me via mail and cease contacting me by phone. 

That letter was received on XX/XX/XXXX and from XX/XX/XXXX through XX/XX/XXXX I have received 3 more calls from Diversified Consultants in violation of the cease and desist letter. I have not received any written communication from Diversified Consultants, either before or after the cease and desist letter I sent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-25
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Fraudulent account in my name unknown person stole identity to open credit card in my name to obtain stolen goods XXXX XXXX XXXX  Amount XXXX Open XX/XX/2013

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 2019-07-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I couldn't believe my credit report when I saw it. The accounts were paid off before it even go to collections..How can this account be charged off and it still showing a remaining balance! This is a total misunderstanding. And how can an account be a charge off for months? I'm trying to get a house, and I couldnt believe my eyes when I saw it! You folks need to delete the accounts. In the mean time, I may not get my house at the rate I can afford! They already raised the rate twice. Please don't leave it this way -- I need to get the house! The above accounts should be reported as positive standing.. 
XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Fay Servicing, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I was approved for a mortgage on my homoe in XX/XX/XXXX for {$110000.00} per the deed of trust. I was paying {$700.00} a month until XX/XX/XXXX. I saw the deed of trust did not have a legal prescription and was not properly filed. This loan was processed through XXXX XXXX XXXX, onto XXXX XXXX XXXX, then onto Fays Servicing LLC ( who owns the loan ). I have filed for Bankruptcy Chapter XXXX with one creditor and I have to file a grievance letter so that I can file for adversary proceeding with my evidence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I called to speak with someone today ( XXXX ) about late payments in regards to my student loans for last year. When I mention to the individual I was speaking with that I never received anything in the mail or an email in regards to making payments once I graduated college in XXXX of XXXX ( however I was allowed to walk but had to complete a class for 3 credits which I never recieved ). The fact that these late payments are on my credit history are having a very negative impact on my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
A charge of {$280.00} from " XXXX '' was received on my Bank of America card on XX/XX/19. I did not know who this merchant was and did not make any purchases for this amount. I called Bank of America, they closed my account and issued a refund and a new card. 
XX/XX/19 I received notice from Bank of America that the fraud claim was denied as I had done business with this merchant before. After more phone calls I discovered that " XXXX '' is actually XXXX. 
With that information, I could confirm that this was now a disputed charge. I did have an account with XXXX which had been closed due to an expired credit card on file. I did not want to renew this account so prior to the expiration, I confirmed with a rep through the XXXX online chat feature that the account would just expire. To be sure, she told me she had unchecked the 'auto renew ' option on my account and I had nothing further to do. 
I sent hard copies of the emails from XXXX and a letter detailing the timeline to Bank of America on XX/XX/19 to the address in the letter they sent to me which had denied my initial claim ( they do not accept emailed copies ). I received confirmation on XX/XX/19 that they had reopened my claim and I would receive a response within 30 days. XX/XX/19 - No response from Bank of America, I now have a bill for {$280.00} due on XX/XX/19, they state they have not received my documentation, the XX/XX/19 claim needed to be reopened ( even though I never received any notice that it was closed ) and I am responsible for making payments until they resolve the issue. Bank of America first dropped the ball by allowing an expired credit card to be charged, they conveniently never received any of my documentation, they somehow closed an active claim with no communication to me about it and now they want me to make payments on a transaction that should not have happened in the first place.

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 2019-04-13
Company: Valentine and Kebartas, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I requested the following information to support the alleged debt : name and address of the original creditor, a copy of the original signed contract, delegation of authority giving you the authority to collect the debt, and a complete accounting / statement of payments with interest and fees associated with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX shows on my Experian report with late shows and the loan was transferred by XXXX XXXX XXXX XXXX with out my consent or agreement or was not to my attention. I also did not agree or ask for no transfer in any way or ask. During transfer there was errors by XXXX XXXX XXXX XXXX  on there part in which caused a lot of errors and I disputed to XXXX XXXX XXXX and there was never any real reply to this issues. there was never documents provided to the issue nor any legal binding agreement to the issue when the disputes was filed. they never replied back as to XXXX never provided to me any legal documents showing any legal biding contract to terms and condition as stated by XXXX XXXX XXXX XXXX. 
Experian has on my credit errors I want remove or I 'm going to have to pursue legal issues on XXXX XXXX XXXX XXXX 
There also seems like a bunch of fraud in the act with out any binding agreement to transfer and changes with out notices and the credit report reporting while in transfer and dispute to why with no answer by XXXX XXXX XXXX XXXX nor ( XXXX ) as the original loan originator or what part they came in with out any notices or legal biding contract.

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 2019-04-13
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: Information belongs to someone else

Complaint:
THE ACCOUNTS AND INQUIRIES LISTED ARE NOT RELATED TO ME. DUE TO IDENTITY THEFT THESE TRANSACTIONS ARE NOT DONE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
THE ACCOUNTS AND INQUIRIES LISTED ARE NOT RELATED TO ME. DUE TO IDENTITY THEFT THESE TRANSACTIONS ARE NOT DONE BY 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 2019-04-13
Company: Ditech Financial LLC
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
DITECH TRADELINE OWES US IN BK CLAIM OF $ XXXX, ADD US TO YOUR DEBT. 

BK NO.XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: Go Capital Holdings, LLC
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:
I didn't open the accounts somebody else must to open the loan

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 2019-07-25
Company: Experian Information Solutions Inc.
State: GA
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:
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is 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 2018-01-12
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
SANTANDER CONSUMER USA- AUTO LOAN -- XXXX/XXXX/XXXX i requested an extension because Texas was hit by a natural disaster " Hurricane Harvey '' On XXXX XXXX XXXX. My town and several others was declared a disaster area. I was told by Santander that i could get help with an extension on my car payment that was due XXXX/XXXX/XXXX. After speaking to several reps and getting the run around i was finally granted the extension and was given an option of extending it for one or two months. I let the rep know that i only needed one month and that i should be recovering and back on my feet after harvey had settled down. The rep then let me know that i would have to extend my loan from the current amount of like 5 years and in order for them to agree on the extension i would have to add 2 more months to my loan date. I agree 'd because i was in a tough spot. I disagree completely with the thought of them taking advantage of me during a natural disaster. First they seemed like they were there to help with those affected by Harvey, but they forgot to mention that i would have to extend my loan agreement and that the next two payments after that would be completely eaten up by interest. This is one of many complains! My next issue is that although i am aware of my high interest rate of 22 % due to me having bad credit. I disagree with the payoff amount. I have been paying on this car since XXXX XXXX. Today is XXXX XXXX XXXX and payoff amount is {$8300.00}. I have made all on time payments besides the Harvey situation and the extension. None of my payments have been reported to the credit agencies as they said it would. All of my payments have went towards interest rather then principle. Almost a year later and i have only made little progress. $ XXXX {$50.00} goes towards the principle balance and i believe this is not correct! Also it shows i owe {$4000.00} + in interest still. I planned on paying off the vehicle this month but realized that the agreement plus the car sales woman and the santander rep by phone all said that if i payed off early, i would be downsizing the inerest and only paying a small amount of interest at which was already accumulated as of the day of pay off. Now another rep is telling me i have to pay all of the interest plus tax title and lien when the contract states that i only pay for the amount i have left minus the interest if paid off early. I should not have to pay interest on the loan if payed off early! This makes no sense! This company is screwing me over and i will not tolerate it! I need answers as to why they are misleading me and i am paying more than what the car is worth.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit reporting agencies keep putting delinquent information saying that I either have a collection for child support or have late payments. I am constantly trying to get them to delete the errors with no luck. I just have a review of my credit and didn't know that this item was put on my report and credit was not extended to me because of it. I have an order deleting all child support and abating me of any types of responsibility of child support that was signed in XX/XX/XXXX, how can I have late or delinquent charges? I have an order directly from the state of Texas dated XX/XX/XXXX stating that I owe no money in child support, nor do I have any arrearages of any sort. In fact, the state of Texas is working to get me back 4 years of child support that was overpaid.

Company response to consumer: Closed with explanation