BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-05
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had this loan for several years. I sold the home in XX/XX/2018. I had an impound account with approx. {$3700.00}. DiTech Claims they sent the check last XXXX ( 2018 ). In XXXX, I contacted them to let them know I have not received it. I have contacted DiTech at least 5 times over the last two+ months. I have promises to refund 7-10 days with no results. At one point they say their bankruptcy prevented them from reimbursing me. I have now had two supervisors promise to do an automatic deposit within 3-5 days ; both have failed to deliver. I just want MY money which I believe was held in a fiduciary relationship. Can you help me get my money?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir or Madam : I had a home loan with Washington Mutual taken out in 2007 that was eventually taken over by JPMorgan Chase. When the recession hit I was offered a 3 month loan modification trial via email of roughly {$10000.00} per month which I paid in a timely fashion. It 's important to note that this was the last moneies I had. Once the 3 months expired I was not offered any modification but began receiving threats of foreclosure. I was forced to sell the home on short-sale and I lost the hundreds of thousands of dollars I put down for a down payment and the house as well. I ended selling the home for significantly less than I paid for it. As a result, I lost all of my money and, like many people during the recession, had to start from scratch which caused a huge burden on my family. I submitted full documentation when I received the mortgage and had the income and assets to receive the mortgage. My mortgage with WaMu was not subprime. I would like to be compensated by Chase for my losses. I lost my home, had to relocate my family, and lost all of the money I invested in the home. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: Paypal Holdings, Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back. I am not sure if this is some mistake as I assume it has to be. I am no longer able to get help from them but I remember I could file a report here as I feel they are not doing their job properly and it is affecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal account is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
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 submitted a payment dispute with Bank of America for an airline ticket that I had purchased. In XX/XX/2021. In early XX/XX/2021, the airline had canceled my reservation and that my ticket should now be considered void and informed me that I was due a refund. To date I have received no such refund. The relevant dates and details on the fact pattern are below : On XX/XX/2021, I purchased an airline ticket through XXXX on XXXX XXXX. 
On XX/XX/2021, I received an email from XXXX stating that my ticket had been canceled by the airline and should now be considered void. The email further stated, Refund processes have now begun to be processed back for affected tickets to the original form of payment used to make the booking. You should receive your refund as soon as possible. 
After receiving the email, I contacted both XXXX  and XXXX, which each informed me to contact the other party with questions about this refund. 
Around XX/XX/2021, I submitted a dispute with Bank of America because I had not received the promised refund. 
On XX/XX/2021, I received a letter dated XX/XX/2021, stating that my dispute was being declined because it was a situation involving a merchants return policy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
To add to my previous complaint for account number XXXX this documentation further proves erroneous reporting as the documentation from the very creditor shows a difference in the original balance than showed on my credit report, this is falsely reporting account!! 

My right is to have a fully accurate and completely verified account ; I demand this account to be reported as ( XXXX ) Paid as agreed never late IMMEDIATELY as this is the true status ( documentation provided )

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 2019-05-31
Company: Experian Information Solutions 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:
My name is XXXX XXXX. In 2016 a debt was incurred for " XXXX XXXX '' using my social security number ending in XXXX for XXXX XXXX   XXXX. This debt does not belong to me, has not been validated, and the collection agency as well as Experian is till reporting and the investigation has exceeded 30 days without validation. I have called them and they have refused to speak to me because the debtor is " XXXX XXXX ''. They are not in compliance with FDCPA nor federal consumer protection laws. Their inaccurate reporting has adversely affected my quality of life and has caused undue hardship.

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 2020-05-30
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:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND AN INACCURATE ACCOUNT THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS NEGATIVE ACCOUNT HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S ACTIONS AND MY CREDIT FILE HAVE BEEN LEFT TO SUFFER THE CONSEQUENCES. IT HAS BECOME SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND HAVE IT REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. PLEASE KEEP IN MIND THAT THE ACCOUNT DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY ME.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-15
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I hired XXXX XXXX XXXX in XX/XX/XXXX to help with a Modification. This firm took XXXX upfront without completing the modification and leaving my home in foreclosure. I contacted XXXX XXXX XXXX XXXX and they help me. The mortgage relief program paid Phh mortgage and got the house out of foreclosure. I applied again for a Mortgage modification with Phh in XX/XX/XXXX. Since then, Phh is continuously not reviewing the papers I upload to the XXXX and sending letters that my application expired. I am constantly calling asking what they need and promptly uploading the documents. Now, I have been having difficult being XXXX XXXX XXXX  and my job not paying me for the days I am out. I fell behind one payment for XX/XX/XXXX. Phh put me in a forbearance plan again. I called them and stated I did not wanted to be because I was afraid I would loose my home. They are not listening and they say is better to save my home while they are working on reviewing my Modification Application. I do not understand what repercussions a forbearance plan can have and it will be very difficult for me to pay almost XXXX dlls in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: Convergent Resources, 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:
These credit inquiries are unauthorized and meed to be removed from mt credit report immediately

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 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-29
Company: Account Services Collections, 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 noticed on my credit report a derogatory mark. When i called the creditor i asked to dispute the debt because i never received a bill. On XX/XX/2020 XXXX from the creditors office stated that this is not a valid reason to dispute medical debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2019-11-05
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair  Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-06
Company: Receivable Recovery Services, LLC
State: OR
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I just received an email from XXXX XXXX stating that my credit score has dropped. I investigated the issue. I found a new collection account from  XXXX XXXX XXXX in the amount of {$1000.00} from the originating claimant of XXXX XXXX XXXX XXXX. According to the information provided the collect account was opened XX/XX/XXXX ; however, I check my account with XXXX XXXX bi-monthly and this email of notification of a new collection account was just received this morning at XXXX XX/XX/XXXX. 

If this account was open XX/XX/XXXX, I was denied my rights to Section 809 of the FDCPA. I have never received any written notification from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-07
Company: EQUIFAX, INC.
State: MI
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:
US DIST CT Account has reached statue of limitation cant be validated {$23000.00} XXXX XXXX XXXX XXXX Validate Account {$7000.00} Us Dept Ed Validate Account/ Different dates of last activity {$10000.00} XXXX Validate Account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-07
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Greetings, I have negative accounts listed on my credit report that should not be there. Those things are affecting my score and ruining my plans. I want you to remove the negative items on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-26
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:
Greetings! For months I have been disputing these items with the 3 major credit bureaus. I am 100 % sure they are breaking the law and I'm humbly asking that they delete and remove each negative item because I do not recognize or honestly own or will ever accept their errors for the items they can not prove are mine. From Last fall to this year and spring I have been disputing yet they keep breaking the law. They keep saying the items are verified without proof. Since they broke the law multiple times I am ready to file a suite against them. These companies have broken the law and I am humbly asking that you please help hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-30
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Nelnet has conflicting information reported to XXXX, XXXX  and XXXX  regarding late payments on my account. I have three Nelnet accounts on my credit reports. XXXX  is reporting 10 late  payments on all three accounts. XXXX  and XXXX  are reporting 5 late payments on all three accounts. If my accounts are reported to all three bureaus, then the information should match.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Experian Information Solutions Inc.
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: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

PLEASE DELETE THESE ACCOUNTS XXXX CARD ACCOUNT NUMBER XXXX XXXX  ACCOUNT NUMBER XXXX XXXX XXXX XXXX XXXX ACCOUNT NUMBER XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
My name XXXX XXXX with XXXX # XXXX. I sent you a letter regarding some misleading information on my report XX/XX/2021, but to this day XX/XX/2021, I still got no response from you. I was told that FCRA obligates you to investigate these negative items within 30 days and remove them if nothing is found, but it has been over a month now. i only want for those inaccurate information my report delete because its affecting me a lot. My information was impacted by Equifax data breach and may got into hands of the wrong person and it's your obligation to fix all these errors.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: Experian Information Solutions Inc.
State: OR
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 submitted a complaint which is requesting validation on an account in my file. The account is mistakenly reported and I believe that the account 's records are false. Please fix the negative status of the listed account : XXXX XXXX XXXX : {$0.00}

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 2023-01-09
Company: Paypal Holdings, Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My account was unexpectedly frozen on XX/XX/15. No reason on a random day. I sent my license information and other documentation needed and 2 months later nothing has been resolved. I sent over another email- again nothing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-29
Company: EQUIFAX, INC.
State: FL
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:
XXXX XXXX inquiry is currently being reported inaccuratly on my Equifax consumer report. This is a violation of FCRA rules sec. 1681 XXXX XXXX reports with no permissable cause, no loan or credit has been award. 

I did not give permission to creditor to run my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 disputed some accounts on my credit report with Transunion. One was the XXXX XXXX account because the account is being reported as closed but is actually open. I have attached the billing statement to support the dispute. I also disputed the fact that the XXXX XXXX account is paid in full and closed and is being reported as open with a balance and it was updated with no change. Attached is the receipt to support my dispute that it was paid in full and closed. I have also disputed 3 XXXX accounts as well as the XXXX XXXX account, and it was still updated with no change. Attached it the FTC report to support the claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief