BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-09-14
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX and XXXX for the XXXX XXXX XXXX XXXX XXXX. Please Consumer Financial Protection Bureau, its time to stop the lies from lending institution like Ditech, reported by one of your report to Congress as the third worse servicing company. 

Again Ditech has no internal issue, the only issue with Ditech is that they generate INN letters to cover themselves from complaints and government they have that capacity but do not send them to the clients. 

Again I have sent cover fax pages of the many times we have sent packages to them and they totally ignored all of them by calling them an internal issue. They want to work with our client, but the XXXX number is not working and no one answer their phone in the meanwhile their attorneys eager to get this XXXX XXXX house sold on the XXXX, XXXX. The sale date cancellation was due to a defense presented by our firm, not Ditech, they were totally oppose to stop sale. And yes sale date is onthe XXXX, XXXX and look what we have received from them, last letter dated XXXX XXXX, XXXX. Additionally, two letters received by Ditech dated the same date on XXXX XXXX, XXXX, this file was underwritten the same day? Let 's stop the fraudulent activities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
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: Their investigation did not fix an error on your report

Complaint:
I have two dismissed bankruptcy listed on my credit reports. I disputed this information with each of the credit bureaus telling them that the information was inaccurate and was never verified. They ( XXXX  ) responded in less than 24 hours telling me that they verified the information with the courts, which they did not. I called and spoke to a representative at the court and she said they would not submit to such a verification. I asked them to remove the information from my credit report and they refuse to do so. Unverified and/or inaccurate information can not stay on my credit report. Or send me proof of the verification that they say took place in XX/XX/2021. I am requesting proper debt verification from each bureau including all necessary supporting documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: SYNCHRONY FINANCIAL
State: GA
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:
On XX/XX/2019 i logged into my account to make payment when i found out my account is being closed and i called to find out why, i was told my account is being closed due to my credit but i have a great credit and my credit report is currently frozen. so i don't believe any information i was given over the phone.. i need my account reopened asap. i have never missed a payment and i am being bullied by PayPal.com/scynchrony and my consumer rights are being violated.

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 2019-02-20
Company: Navient Solutions, LLC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX and XXXX are reporting incorrectly that I am 120 days past due on a loan with the DPT ED/NAV - XXXX partial account number XXXX and XXXX partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: AR Resources, Inc.
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:
I have tried numerous times for the past year to call this company and pay the debt. I have left voicemails with info and call back number. I never receive a return call. It has been over a year trying to contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
XXXX  and Transunion are reporting incorrectly that I am 120 days past due on a loan with the XXXX XXXX - XXXX partial account number XXXX and Transunion partial account number XXXX that have a {$0.00} balance and a {$0.00} past due. I have contacted the two bureaus and requested these items be corrected. This is harming my credit. It is impossible to be past due on an account that has a {$0.00} balance and {$0.00} past due.

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 2021-04-01
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have been using Moneygram to send to my wife in the XXXX for many years. I have stacks of receipts from when I have sent to her. They said they now believe there is fraud on the consumer, which is me. Moneygram tells me to go to different locations to try and send again. It never works I am always refused. They ask me to give them a code from the location but there is never a code just refused. They refuse to help me and they give me no reason about any fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX XXXX XXXX XXXX XXXX ) is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$2300.00} does not belong to me. This account was fraudulently opened through this company in XXXX of 2017 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.

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 2021-04-01
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Midland Credit Management Regarding Final Settlement for a Debt Collection I contacted Midland Credit regarding : Account : XXXX XXXX I contacted their offices regarding a settlement for {$300.00} for these accounts apiece. I spoke to XXXX XXXX. He transferred me over to XXXX XXXX. She in detail told me to fax over a handwritten letter indicating to cancel the dispute from a credit agency for which I did on XX/XX/XXXX. I in turn contacted them again on XX/XX/XXXX to follow up. I was told again to re-fax another letter over for which I did. I contacted them again today, and I told the CR that I am in the process of filing Chapter XXXX and was trying to settle these XXXX accounts for {$300.00} apiece. The lady CR said that nothing had been done and to refax another letter again, I told her NO! I had already done what they requested, and still no action. XXXX hit my credit report again, playing games, from XXXX to XXXX. 

I did what they requested for me to do in order to move forward with the final settlement and they are purposely ignoring it and play games on the telephone.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-23
Company: Kriya Capital, LLC
State: WA
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:
-XXXX XXXX contacted the company advised this was a fraudulent account. 
-Filled out form disputing charge advising of identity theft. 
-Issued was resolved in XXXX -In XXXX, the debt was sold to another company that stated they did not have any records of the dispute. This appears to be illegal under U.S. Code. 
-Attempted to contact debt company to advise of this incident XXXX, and they had no record of initial dispute. 
-On XXXX, XXXX reviewed my account and realized that this debt was addressed ; however, that a new debt agency is now holding the debt. This is also illegal under U.S. Code. 
-The company in question is XXXX XXXX XXXX XXXX from NY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-27
Company: Ocwen Financial Corporation
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: Their investigation did not fix an error on your report

Complaint:
This is a formal compliant that PHH Mortgage XXXX has failed to report information to my credit profile and maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify and report, through the physical verification of the original signed consumer contract, I demand to see on my credit profile payments made to PHH Mortgage Service, loan number XXXX,,. Phone number XXXX XXXX XXXX XXXX. 

Your failure to report this account has hurt my credit ability to obtain credit.,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-29
Company: Navient Solutions, LLC.
State: MI
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 and XXXX is reporting incorrectly on the status of my current student loan accounts. My student loans have been in deferment and furbarnce since XXXX. They are current with an extension until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-29
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:
From the time i noticed negative remarks on my credit profile i have been sending letters asking to verify and validate this information with any documents showing my signature or identification and i havent received anything relevant to what i asked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: M&T BANK CORPORATION
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:
Our mortgage servicing company changed during our mortgage period. We were not aware of the change in companies. Our mortgage payment is set up on automatic withdrawal. Our payment went out on time every month and was received every month. The dispute involves our payment in XXXX, 2018. Our payment went out to the same place we had always sent it. The payment/check was received and the amount was deducted from our account. The payment was then returned to us in early XXXX and that was when we learned there was a new servicing company. We promptly made a new payment. I have attached copies of our bank records to verify our issue. 

This is incredibly frustrating. When we appealed the report all that happened was that the current mortgage company confirmed they received the payment late. No one looked at our supporting documentation to show we were not late in making a payment, it just went to the old servicer. This should not reflect on our credit history as all of the payments were made on time and deducted from out 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 non-monetary relief
Consumer complaint received 2022-08-07
Company: ERC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Enhanced recovery company try to collect a debt from I sent them two certified letters for The Original purchase Agreement to show that can legally collect this alleged debt proof that the debt was assigned to them like the bill of sale an Assignment or a receipt between them and XXXX.Enhanced Recovery Company is the creditor reporting inaccurate information on my credit report.They can not provide me with these documentation I asked them to delete this account immediately as its damaging my credit rating.I have not got a response back they sent me a bill from XXXX in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-24
Company: BARCLAYS BANK DELAWARE
State: FL
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:
My XXXX XXXX credit card was closed when I applied and received another card from Barclays, most likely due to different addresses. I have never missed a payment, my credit was excellent. My complaint letter to Office of the President was answered by an employee who put me on hold, then hung up and never answered any other calls. I wrote a letter to Barclays to  challenge the closing, and received a letter back stating that they could not reopen my account and told me to apply for another card. When I applied I was denied, by another letter stating I had not paid or filed bankruptcy which was completely untrue. Again, there is no number to call. The company has the worst customer service I have ever encountered. Unfortunately, they have a lock on the XXXX card, and XXXX status is very important to me, otherwise I would never deal with this company again.

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 2021-04-01
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I AM A VICTIM OF IDENTITY THEFT. THERE ARE NUMEROUS OF FRAUDLENT ACCOUNTS APPEARING ON MY CREDIT REPORT. I'VE SENT COUNTLESS OF LETTERS TO THE CREDIT BUREAU AND I HAVEN'T RECEIVED A RESPONSE. PLEASE HAVE THEM REMOVE FRAUDLENT INFORMATION. I'VE INCLUDED MY FTC REPORT AND POLICE REPORT,

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-07
Company: Waypoint Resource Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
WAYPOINT RESOURCE GROUP is trying to collect on a debt that they can not verify. The debt was already unverifiable with one collection agency and my guess is they sold it to Waypoint resource group. Waypoint resource group has illegally reported it to the credit bureaus, they didn't send any notification to my residency, they can not verify my residency, and I was never given 30 days to dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are several inaccuracies on my report that I didnt authorize these accounts violating my rights according to the FDCPA. The Credit Reporting agency continues to violate my rights according to 15 USC 1692. " Any bad debt furnished on your reports is ruining your reputation and it's defamation of character '' I am requestion that the credit agencies stop reporting these accounts and violating my right according to the 15 USC 1692.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Zillow Group Inc.
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I recently refinanced my home with Zillow Home Loans. I signed a Notice of Transfer of Servicing detailing my mortgage would be transferred to a specific company. In addition I filled out an auto draft form and attached voided checks for automatic draft from my bank account. I was told my first payment would be drafted on XX/XX/XXXX. 

On XX/XX/2021 I received a document from a third separate company, XXXX XXXX XXXX, stating that they were my new mortgage service provider and that I needed to fill out another autodraft application and attach more voided checks. I was confused because I was given no notification at signing of this third company. 

I contacted Zillow and was told that my " loan # ... was transferred directly to a new servicer basically bypassing XXXX the first company XXXX altogether. '' I asked them where I signed that they could arbitrarily assign my loan to another company for servicing without any notification. They led me to Section 20 of my Note- which stated that they HAD to give me notification. This led me to research the Real Estate Settlement Procedures Act. Under the Notices of Transfer of Loan Servicingt-12 CFR 1024.33 ( b ) It stated that when any mortgage loan is assigned or sold the former servicer must provide a disclosure at least 15 days before the effective date. 

So Zillow Home Loans failed to follow the law and impinged on my rights as follows : -Zillow knowingly assigned my loan to a third company without notification of any kind. 

In addition XXXX XXXX XXXX failed to follow the law and impinged on my rights as follows : XXXX XXXX XXXX not send the notification within the required 15 day period before the effective date of transfer. In Fact, the disclosure from XXXX XXXX was received on XXXX XXXX- 10 days before the first payment was due. 

This will cause my payments to be late and will adversely affect my credit report and credit worthiness. This will damage my dealings with other business institutions long into the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06
Company: NATIONSTAR MORTGAGE LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have been with Nationstar for several years. We fell behind in our mortgage due to life situations ( roof leaking, house flooding, water heater breaking, refrigerator going up ). We have attempted on Several occasions to get some type of assistance from Nationstar. We have have mailed, faxed, documents for a modification several times over the years. We have received constant responses like we did n't get them, someone will call you and they never do. Recently we received paperwork telling us we needed to make a payment by XXXX XXXX or our account would go into foreclosure. When i called on XXXX XXXX the day i was paid they refused to allow me to make a one month payment. Even though we would not be 90 days delinquent until XXXX. They wanted us to make a payment of XXXX dollars. I even tried getting them to take the payment on XXXX and then schedule XXXX for XXXX and they refused. They told me to file another modification request if i could not produce XXXX dollars by XXXX. This time i uploaded the documents directly to their website and am awaiting a reply i we have many time over the years. Nationstar has not been a company willing to help you through the years. They sit back and wait to take your property. Each representative you talk to tells you something different and when you call no one is helpful in helping you resolve your issue. This company would not allow me to make a one month payment which would have kept my home out of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
XXXX XXXX  Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX  Balance {$430.00} Balance updated XX/XX/2023 XXXX  Original creditor XXXX XXXX  XXXX XXXX APTS Balance {$170.00} Balance updated XX/XX/2023 As per the Fair Credit Reporting Act, I have identified several accounts that have violated my rights under the law. Specifically, I believe that the consumer reporting agencies have furnished information without my written consent or knowledge, which is a violation of my right to privacy under Section 1681b of the Act.

Additionally, I would like to highlight the provisions of Section 1681c of the Act, which state that consumer reporting agencies are required to maintain reasonable procedures to ensure the maximum possible accuracy of the information they report, and to allow consumers to dispute and correct any inaccuracies in their credit reports.

Therefore, I am requesting that the consumer reporting agencies take immediate action to correct any inaccuracies in my credit report and ensure that all accounts are being reported in compliance with the Fair Credit Reporting Act. 

XXXX XXXX Original creditor XXXX XXXX XXXX  Balance {$420.00} Balance updated XX/XX/2023 XXXX XXXX XXXX XXXX Balance {$2500.00} Balance updated XX/XX/2023 XXXX XXXX XXXX Original creditor XXXX XXXX XXXX Balance {$980.00} Balance updatedXX/XX/2023

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