BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-27
Company: Ditech Financial LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX I live At XXXX XXXX XXXX XXXX XXXX   va. On XX/XX/XXXXI called Ditech my morgage company and asked them how much is needed to bring my loan current since I was behind on my payments. They gave me the amount of XXXX   cents. I went to XXXX and made that payment using their bill pay process. On XX/XX/XXXX i called ditech again wanting to make my usual monthly payment thinking I am all caught up only to be told by the representative that my payment was not accepted and that we are under foreclosure. I asked for the name of the attorneys office and asked for the reason why was I not alerted I am in foreclosure and why did i not get correspondance. I was not given a reason for either. I called every day since then up untill XX/XX/XXXX asking where is the payment that i gave them for XXXX and what is the name of the law office handling my case. Not once did they gave me answer to either. On XX/XX/XXXX I received a lettwr from XXXX XXXX XXXX XXXX  wanting XXXX for the missed payments and XXXX in attorneys fees. I called ditech and law firm again asking why am I paying this and why am I given a forclosure letter dated for XX/XX/XXXX when they got full payment onXX/XX/XXXX. Since then I have been calling various non profits, ditech and XXXX XXXX wanting to get my money back for XXXX  that was the amount past due so I can make most current payment again and for the XXXX fee to be removed since I paid the balance owed way before this letter was sent. Ditech has been putting me on hours long holds and when they did speak to me it was in a rudest manner but money was never sent nor was I given any straight answers for 1. Why was I not initially notified of forclosure beforeXX/XX/XXXX? Why was my payment not applied and/or why was it not returned on time to me its been over month and a half and why am i paying attorney fees for debt that was paid month before? I feel like they been purposely dragging so the time XX/XX/XXXX comes around they can do a foreclosure and take my home. I have been living in constant fear and there is XX/XX/XXXXchildren under the age of XX/XX/XXXXliving here. All we want to do is pay our mortgage and move on. I was also told by ditech that if i was not lazy I would walk my XX/XX/XXXXto the library and fill out modification papers back in XX/XX/XXXX when I tried to reach them in regards to trying to find a solution to not losing my home. This was another issue before payment was made I requested modification papers at least 4 times and no luck. Enclosed you will find uploads of the letters and proof of payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: ECMC GROUP, INC.
State: MN
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:
There are several paid collections from ECMC and XXXX. The student loan accounts for both were rehabilitated and transferred but several negative dings still exist when I was told from them they wouldnt if I rehabilitated them. Also, I settled a debt to the XXXX XXXX but it is still showing on there too.

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 2018-02-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
i have sent trans union numerous of disputes about an inquiry XXXX XXXX XXXX XX/XX/2017 and after all these letters I have sent they have still refused to removed the inaccurate inquiry off my credit report. Trans union has continue to violate fcra and I want to seek damages and cost for that violations. I ask that your company file complaint and seek to mitigate my damages ... I want trans union to send me copies of said inquiry with my signature and authorization and if they can not please remove it from my 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 2022-08-06
Company: EQUIFAX, 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: Reporting company used your report improperly

Complaint:
In light of Equifax Once again admitting they are not doing their job properly with the newest news report of them admitting they have given incorrect information and credit scores to lenders. I can not trust Equifax 's investigation and policy of procedures. I wanted the rest of my request from my old CFPB case XXXX completed. 

-- Delete Medical Collection Account / Paid to the original creditor -- Dispute Collection Agency XXXX Collection Agency XXXX XXXX XXXX Account Number # # # # # # XXXX -- Delete Trade Dispute Company Name XXXXXXXX XXXX  -- Delete below unauthorized inquiries Date Company Address Request Originator XX/XX/2021 XXXX XXXXXX/XX/2021 XXXX XXXX XX/XX/2021 XXXX GA XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX  This has cost be lost of over {$50000.00} of credit opportunities. Equifax failed to do an initial investigation before reporting these items.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Experian Information Solutions Inc.
State: NY
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:
There are currently 2 negative accounts on me Experian Credit report. 

XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX. 

I have disputed these accounts twice. Both times experian has verified these accounts via the XXXX electronic system. This is not a reasonable and thorough investigation. I have called experian multiple times and they have told me that they only verify accounts using the XXXX system. By FCRA laws Experian is not allowed to " parrot '' the information from creditors and they are not allowed to shift the burden to the consumer, which they have done by telling me to contact the consumer and ask for documentation and account verification. However I have called both of these creditors and on several occasions I was told they have no documentation or contracts regarding these accounts. I asked for something in writing stating this and I was told that I was on a recorded line and that was sufficient enough. 

How could either of these accounts be legally verified if I can call the creditor and they tell me that they have no 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 2021-06-30
Company: EQUIFAX, INC.
State: NC
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 sent a letter of dispute on XX/XX/21 and I have yet to receive an investigation, response, or any type of communication back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-30
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have called CitiBank VISA 6 times and have been hung up on every single time. They won't let me close the account.

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 2021-06-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 sent a letter of dispute on XX/XX/21 and I have yet to receive an investigation, response, or any type of communication back.

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 2021-07-01
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Resurgent Capital Services L.P.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This Collection Agency ( XXXX XXXX ) has never contacted me, gave notice to me, nor furnished to me any documentation verifying the collection debt they supposedly are collecting from me. To make matters worse, they now have put a negative remark on my credit report stating that owe a large balance amount which is not even my debt, as a result, it has damaged my credit with all 3 credit bureaus. 

They allege I owe them {$8300.00} It shows the account was opened on XX/XX/2016 ( 1 yr, 10 mo 's ) *But, there is No Account Number nor the identification as to " What Type '' of an account it is.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: Continental Finance Company, LLC
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I applied for and got a credit card to repair my credit after I made the first payment I requested a payment date for which would work for me and I wouldn't have the problem I have now on my first request they said they would change the date of payment to be received because my ssa check wouldn't be available till then nothing happened and they started raising my interest and late charges so I called them again and and again it took about four month to finally get the date changed by now evary payment I have been paying all went to interest and late charges.i just could not get down to my regular payment now instead of helping my credit I lost almost 100 points because of this I just can't seem to get caught up with them because of their lack of costumer support .and now I am thinking about bankruptcy .this might be my only option.my credit score is so low now I can't see it getting back up there. this was a bad choise getting this card but I did it to raise my credit score not lower it .Thank you

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 2017-08-02
Company: AES/PHEAA
State: MS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I decided to check my account to see if my balance has changed since I 've started making payments, and it has n't. As a matter of fact it has increased. The company is American Education Services ... .I want to know why in the XXXX has my balance not decreased? Every since I 've been making payments my balance has increased. If my balance does not reflect what the XXXX I 've been paying, I will be consolidating and moving to a new servicer!!!! I 'm sick of you people! Student loans come from XXXX!! This whole industry is built on thievery. And yes I want my comments published so every one can see this company is horrible!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Received an alert from credit monitoring service that inquire from Bank of America posted on my account XX/XX/2018. Contacted XXXX XXXX to notify that I did not apply for credit and inquiry is unauthorized. XXXX advised that I contact BOA to have inquiry deleted. Contacted BOA and was advised to contact XXXX to have deleted because they have not record of application on file. Contacted XXXX  to have inquiry deleted after explaining what was advised by BOA. XXXX indicated that they could not delete and I would have to contact BOA.

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 2022-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
The following information is on my credit report with TransUnion as a " hard inquiry ''. I have tried several times to get them to remove it. 

Name Requested On XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX Location XXXX XXXX XXXX XXXX, GA XXXX Phone ( XXXX ) XXXX Inquiry Type Individual TransUnion directs me to write the following address to have my information removed. 

po box XXXX XXXX, PA XXXX, please make sure you include your name, address the last four digits of your social security number and your file number. 

The credit card company is not aware of this address. 


Can you please direct TransUnion to remove this hard inquiry, and XXXX XXXX XXXX XXXX XXXX to tell TransUnion to remove this hard inquiry. XXXX XXXX apparently has only one person that works for the entire company.

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 2020-02-25
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Santander has not paid the bonus that it promised me. I opened a Santander checking account on XX/XX/2019. The terms were as follows : Complete minimum opening deposit ; Have direct deposits of {$1000.00} or more post to the account in the first 90 days ; Keep the account open and in good-standing for 90 days ; receive {$220.00} bonus. 

I completed the minimum opening deposit on XX/XX/XXXX and received a direct deposit of {$2800.00} on XX/XX/XXXX. My account has been open and in good standing for the past six months. I still have not received the promised bonus. I emailed Santader 's customer service to inquire about the bonus approximately two weeks ago. I received a response stating that they could not answer the question.

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 2021-07-01
Company: Consumer Financial Debt Services, LLC
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX XXXX sent herself money two transactions XXXX dollars, and another XXXX dollars on XX/XX/2021 Reference # XXXX Reference # XXXX I did NOT approve these transactions. 
She used my laptop with all my banking information, and sent it to herself to pick up cash. These transactions went through. I need my money back ASAP. I want her to pay them back but she has now blocked me because she knows she stole from me.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-27
Company: DISCOVER BANK
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:
I recently pulled my credit report from XXXX, XXXX, and XXXX  and to my amazement, saw that there are fraudulent accounts being reported in my credit report. I am a victim of identity theft. I did not make or approve of these transactions. This happened because of identity theft. There are two accounts which are opened under my name : DISCOVER PERSONAL LOAN ( ACC NO : XXXX ) and XXXX  XXXX XXXX ( ACC NO : XXXX* ). I sent a police report to XXXX  but the XXXX reporting agency did not remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: J Northland Group
State: OR
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I received a phone call today from a blocked number. They left a voicemail stating " Hello. This message is intended for a ( my name ). This is XXXX ( last name XXXX  ) contacting you about a scheduled delivery of legal documents that requires your signature. This is a courtesy call prior to legal documents being issued out to your home, residence, or place of employment. If you have any questions or concerns or need to reschedule a time of delivery you can contact the complaining party directly at XXXX Again, the number is XXXX. The case number is refer to case ID number ( then gave the number ). Thank you, you've officially been notified. '' I called the number they gave me and spoke to someone named XXXX. They said that I owe XXXX  for a payday loan from 2005 in the amount of {$570.00}. They had my maiden last name, the old address I lived at, and where I worked then. She told me that I had signed a contract saying that they had up to 15 years to come after the debt. She said I was being sued for the amount owed and for intentionally defrauding a financial institution. XXXX  sent me an email that just had the amount owed and the name of the lender. I called back and asked for a copy of the documents I had signed and proof from the company. She told me that it was evidence that XXXX  is using against me in a lawsuit so they can not send it to me. She transferred me to a supervisor who repeated what she said, adding that I would have to attend a hearing in order to receive the documentation. I asked if I was supposed to just pay a 13 year old debt with no proof that I owe it, and she said yes.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-06
Company: Affirm Holdings, Inc
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
SEE ATTACHED ... WRONG DATES..CLOSED DISPUTES STILL WRONG ... CANT DISPUTE AGAIN XXXXNO INVESTIGATION. COULDNT BE. ACCT PAID OFD IN XXXX ... DISPUTED 3X MORE SAID VERIFIED. HOW. ACCT CLOSED W CREDITOR. SHOW ME PROOF. I HAVE MINE. WANT ENTIRE ENTRY REMOVED

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: Upgrade, Inc.
State: CA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I checked my credit card statement with Upgrade Loan/Credit Card company and I had a charge of XXXX dollars on my account from XX/XX/2021. This charge is from a hookah bar in XXXX XXXX Ohio. I reside in XXXX XXXX California and have never been to Ohio in my life. In XX/XX/2021 I filed a dispute with Upgrade in which they provided a provisional credit and said they would research the claim. Now on XX/XX/2021 I received an e-mail stating that my transaction dispute was declined and Im expected to pay the XXXX dollars. The customer service received was terrible and they were rude and in NO way are trying to resolve my transaction. I have experienced financial hardship due to COVID 19 and this company doesnt acknowledge that I cant just pay {$820.00} dollars.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-06
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have had an AMEX card since XX/XX/XXXX it is a Delta Sky miles card XXXX XXXX XXXX it has an expiry date of XX/XX/XXXX. This year American Express indicated that my card was being converted to a Gold Card against my will and would now have an annual fee of $ XXXX. The prorated fee for this 1/2 year was over {$50.00}. I had over XXXX miles on my prior skymiles card that XXXX, an AMEX representative, told me I was in danger of loosing if I didn't activate the new account. I had many of these miles for many years. I told XXXX it was extortion. She offered me another account that was free, however, she instructed me I had to activate the Sky Miles Card or I would lose the miles. I made a complaint number : XXXX with XXXX. I called AMEX on XX/XX/XXXX because of an email sent on XX/XX/XXXX at XXXX XXXX from AMEX indicating that I would have to CONFIRM receiving the new card " to avoid an interruptions when using your card. '' My old card had an expiry of XX/XX/XXXX. I don't know why I can't continue to use that until it expires.

Company response to consumer: Closed with explanation