BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-08
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, XXXX XXXX XXXX paid my back property taxes of XXXX. The mortgage on my home is XXXX and XXXX for current property tax and XXXX for back property taxes owed. I have been paying a total of XXXX until XX/XX/XXXX. I filed against XXXX XXXX XXXX XXXX in XX/XX/XXXX. Now that Ditech Financial LLC bought Green Tree the company has fraudulently purchased unnecessary hazard insurance even though I sent them proof of insurance. I contacted them to notify them that those funds fraudulently used for hazard insurance was for taxes. So, XX/XX/XXXX Ditech paid my insurance company in full without my permission. Ditech is now stating Im in default and has returned returned 3 mortgage payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have no public records associated with my credit report. I find this situation unacceptable. I urgently request that you rectify this and remove these entries from my report. The situation is causing me significant XXXX  and distress

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 2023-03-01
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage is being serviced by Citizens Bank. I went on forbearance last year during COVID in XX/XX/XXXX. In XXXX of XXXX I requested a deferral agreement following the COVID forbearance and it was approved as of XX/XX/XXXX. I have made monthly payments since XX/XX/XXXX. However, my account is still reporting as in forbearance to the credit bureaus and on my mortgage statements. 

The payments I make each month are placed in a suspense account and despite calling over 100 times since XXXX to get this resolved, I have been told that this will only be resolved " once the system updates '' and that this is for my own protection. 

However, the problem is that I am in contract to purchase a home with a deposit in escrow and due to the current forbearance status I am unable to close on the property. If this continues to be an issue for much longer I will lose my deposit, as this property was being used as a bed and breakfast and they have every right to take my deposit due to lost revenue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
This letter is a formal complaint that Bureau is reporting inaccurate and incomplete credit information. I am distressed that they have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. 
The following information therefore needs to be reinvestigated. Bureau didn't provide proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

1. This account resulted due to identity theft. 
XXXX XXXX XXXX Account Number : XXXX Please remove this account from my credit report immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-31
Company: Filo Mortgage, L.L.C.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Loan costs for townhomes are lower than loan costs for condos. I am writing this complaint because my lender knowingly provided a Loan Estimate based on artificially low townhome loan costs to entice an Intent to Proceed, then increased them to condo loan costs only after I had already paid a non-refundable fee. 

I applied for a cash out refinance loan through XXXX XXXX ( a broker, but hereinafter referred to as " Lender '' for the purposes of disclosures ) for my primary residence, which was a condominium in Arizona. The Lender delivered a Loan Estimate, and based on that Loan Estimate, I gave the Lender an Intent to Proceed. 

After conditional loan approval, the Lender delivered a Closing Disclosure with loan costs that were the same as those in the Loan Estimate. The disclosure of a Condo Certification fee confirmed in my mind that pricing was based on the property being a condominium. But after the appraisal, the Lender delivered a revised Closing Disclosure that increased loan costs by more than {$2000.00} by reversing lender credits and adding points. By this time, I had already paid a non-refundable {$500.00} fee. When I asked why loan costs increased, the Lender admitted to having deliberately disclosed lower townhome loan costs in the Loan Estimate while I was still shopping for a loan, then later increasing to the higher condo loan costs after I had paid a non-refundable fee. I told the Lender I was unaware that the loan costs were based on townhome pricing and could increase, but the Lender still did not reverse the additional costs.

The loan costs disclosed in the Lenders Loan Estimate were not in good faith, and the Lenders conduct was unfair, deceptive, and abusive. I did not know, and had no way of knowing, that the loan costs the Lender disclosed were artificially low and that the Lender would increase those costs. By the time the Lender disclosed the higher costs, I had already paid a substantial non-refundable fee. Moreover, because interest rates had increased in the meantime, starting over with a different lender would have been even more costly. If I had known the Lender would have increased costs, then I would have made a different decision. The Lender was not transparent in the Loan Estimate, and I was deceived. ( I am aware of this happening with at least one other lender, so this might be a regrettable industry practice. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: NY
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:
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 U.S.C 1681. ACCOUNT Name : XXXX XXXX, XXXX XXXX, and XXXX XXXX. 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 an 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
It's been two year and half since I've been in contact with XXXX XXXX in XXXX, VA to have the bill send to XXXX, but they never did. When I called XXXX  in XXXX of XXXX, I explained to them that XXXX tried to charged me a bill in the amount of close to {$700.00}, I was told by the XXXX representative that the hospital should have send them the bill 3-4 months aftertreatment, so the hospital ending up sending the bill to me since XXXX decided not to pay for it since it was a year later. I discussed the situation with XXXX, all they were doing is passing me around to different departments and when I tried to speak tp one of the managers finally, she was rude, condescending about the whole situation. I felt that the hospital incompetent billing department should be the one who paid that bill since they did not care to send that bill to XXXX a year later rather than the 3-4 months after treatment. I am asking for XXXX and Credit Control Corporation at XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, VA XXXX to remove that debt from my credit since it is their own mistake. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: FC HoldCo LLC
State: CA
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 many inquiries at my credit report, I dont recognize it

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 2018-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On around XX/XX/2018 I applied for a XXXX card from Capital One and I received a XXXX XXXX XXXX XXXX XXXX with my excellent credit scores of XXXX XXXX and XXXX XXXX. 

My credit limit was only XXXX and I just received my XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 and I did request a higher credit increase over XXXX and made contact with Capital One rep on XX/XX/2018. 

With my excellent credit scores I should have receive a credit limit around XXXX or more and my XXXX Card that I requested. 

I am XXXX XXXX and XXXX .Very Urgent Matters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
Whom It may Concern.

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE All information that is inaccurate, incomplete, or which can not be verified.

It is also my understanding that under the FCRA 15 U.S.C ( 1681 ), every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory account must be promptly negated in its entirety or the alleged accounts are to be completely deleted.

The Following derogatory account allegations are either UNTRUE, UNVERFIED, INCORRECT, INCOMPLETE, UNTIMELY, NOT MINE, RESPONSIBILITY, or otherwise NOT PROVEN COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immediately the infractions are as follows ; Alleging Creditor and Account as is reported as having a late payment my credit report : Creditor : XXXX XXXX Account Number : XXXX I demanding that this account be update to Paid as Agreed and Never Late. 
By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX compliance regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. 

I await your reply with the above requested proof. Upon receiving it, I will correspond back with you be certified mail.

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 2023-01-26
Company: DISCOVER BANK
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have received letters from credit card companies, XXXX XXXX XXXX approved and then they applied for Discover cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-07
Company: AES/PHEAA
State: DC
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 applied for the public service loan forgiveness program and was accepted. I have made on time payments since 2001 and worked for the federal government for 10 years thus making me eligible for the program. However I received a communication from Fed Loan Servicing stating that I need to make 101 more payments for the loan forgiveness to occur. I believe this is inaccurate and would like forgiveness applied to my loan now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Hello, Chase closed all my credit card accounts both personal and my 1 business card. When I called them after have my card declined, they said your account is closed when I asked why they said they cant see anything further and they will transfer me to a supervisor who may be able to help. The supervisor got on the phone, after explaining the reason of my call, she pulled up my account and said chase doesnt take closing customer accounts lightly, youll receive a letter in the mail in the next 10 business days describing why your accounts where closed. I asked if she can tell me over the phone, she said she doesnt have that information and it will be provided in the letter. I got the letter for my personal cards, and the letter said my accounts were closed due to unexpected activity. This response left me puzzled. Ive been a loyal chase customer since Id say 2012 or so, never had a late payment, never missed any due dates and used chase as my primary credit card. After I received this letter I called 3 different times to see if I can appeal this decision and each time I callIed they told me my information was no longer in the system and they couldnt not pull up my account. Not to mention, the closed my one business card as well 3 weeks later. For this card, there was no letter, no explanation, no nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Fraudulent accounts appearing on credit report. 


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 non-monetary relief
Consumer complaint received 2018-07-26
Company: Netspend Corporation
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
To Whom It May Concern, I am writing as a very aggravated and displeased customer! I have an acct with your company that was placed on hold without my knowledge! Only to find out while attempting to purchase gas and was declined! I called a total of 3 or 4 Times lastnight with each calling an average of 45 mins to an hour hold with many complications when asking to speak with a supervisor! My thoughts are that you are a cold hearted company with no regards to your customer! How could you be comfortable with placing a custom on hold for that long of a time knowing she advised she was stranded at the gas station with no gas and questioning the reason for the decline of my card! If you felt there was a security concern or issue why would you not reach out to your customer before restricting there acct and them being embarrassed with a decline! I will also be reaching out to the Federal Commissioner office because this type of service is very unprofessional, unwanted, and unappreciated! Please reach out to me so transfer my money {$410.00} by XXXX XXXX and cancelling this acct!

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 2022-12-21
Company: WELLS FARGO & COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Wells Fargo has consistently charged overdraft fees on withdrawals despite having enough money in my 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 2022-02-07
Company: Experian Information Solutions Inc.
State: MD
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 am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2019-08-15
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Hi, I transfer funds XXXX out of my bank account ( XXXX XXXX ) on the XX/XX/Aug2019 to purchase bitcoin   to my wallet with Coinbase, unfortunately it hasnt shown on my Coinbase account, I have contacted Coinbase many times via phone and email and all I get in the form of a response is its being looked into and we will get back to you for a bank reverse. I would like to add there on guidelines state it takes 3 working days??? its the XX/XX/XXXX and has gone beyond these guidelines. 
The only actions the company has taken is emails saying they will get back to me and it has been escalated .which has not happened

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Midwest recovery systems is reporting a pay day loan that is was never mine. I have received phone calls that are breaking the law and threatening. I reported to the federal trade commission. I want this removed immediately!!!!!!!!! 

I will continue to submit multiple complaints weekly until it is deleted. Also, i found a threatening voicemail from your company that i have forwarded to the FTC. I will file complaints with CFPB, BBB, and FTC until this is deleted. This is not my debt and you need to show proof that it is. 


I WILL NOT STOP TILL DELETED. THIS IS NOT MINE AND YOU HAVE NO RIGHT TO REPORT INACCURAE INFO ABOUT A PAY DAY LOAN I NEVER HAD.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Bread Financial Holdings, Inc.
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 reports that reflects a credit inquiry made by XXXX XXXX in 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 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