BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-12-05
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Our mortgage was with Ditech and was sold in XX/XX/2016. We are attempting to purchase a new home and Ditech is reporting that our home was settled for less than amount owed. This is preventing me from purchasing a new home. Attached is the HUD-1 for the sale of the home, Letter from Ditech that states " PAID in Full '' and letter from XXXX XXXX XXXX , XXXX that indicates " paid in full ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-11
Company: Massachusetts Educational Financing Authority
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
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 see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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 was on XXXX XXXX and was not able to access the lender web portal for payment, I usually setup Auto Payments on my accounts to avoid missed payments, I did not do so on this account as it was relatively new. Fast forward, unintentionally the payment was missed, when received a certified mail from lender ( I can monitor my USPS account ) I rushed into calling the lender and clear my ledger- this was very expensive call to make. 

I never missed a payment once, this was purely due to IT issues, not fair to see such damage to my credit report which I worked very hard to maintain for access or IT issues. 

Lender : XXXX XXXX XXXX. 
Reported : yes, to most credit bureaus and lender with no fair resolution.

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 2018-08-31
Company: Atlantic Credit & Finance, Inc.
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
I had a credit card through commenity bank. XXXXXXXX XXXX was in the process of selling the accounts to XXXX XXXX. In that process I got behind on payments but never received anything in the mail from XXXX XXXX about this account. To my knowledge, once the account was with XXXX XXXX I did not receive any calls about my account. Around the beginning of XX/XX/XXXX, Atlantic Credit and Finance contacted my husband, who is not an authorized user on this account and is not listed on the account at all. He spoke with a woman named XXXX who worked at Atlantic Credit and Finance. She made him aware that my account was past due and they were attempting to collect a debt. My husband is a XXXX XXXX and due to the many scams going on would never give personal information or bank information without knowing the company and call is legitimate. They attempted to ask my husband for my date of birth, social security number, and other personal information. He, of course, would not give them this information. He asked them if this was legitimate then they should have the information. XXXX then proceeded to give him my social security number, date of birth, current address and other personal information. He did set up a payment plan to pay my debt. I never received notice of the payment plan. He received through the mail statements letting him know the amount was deducted. Nothing ever came in my name. He told me about this information, and at the time I was going through some health and emotional issues and did not have the time or energy to deal with it. Not only that, since it was now in his name, I did not know who to contact to deal with the issue. The end of XXXX, XXXX, my husband 's debit card expired, which was their form of payment. They sent a letter to my husband through USPS stating the payment would not go through. So, I called them to set up a new payment. While I was on the phone with a woman named XXXX who works for Atlantic Credit and Finance, I told her of the incident of XXXX from Atlantic Credit and Finance giving my social security number over the phone to my husband, and how I did not think that was legal. She repeatedly told me it was legal. I asked several times for her to provide documentation showing it is legal. She said she could not do that because she does not have that documentation. I did set up a payment plan to pay my debt, but I do want this company in some way reprimanded for this action. They could have been giving my information to any person. I originally filed a complaint with the Federal Trade Commission on XX/XX/XXXX and when I called to get an update on the status of the complaint was told to contact the Consumer Financial Protection Bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
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: Investigation took more than 30 days

Complaint:
XXXX and Transunion has been using some come of software to hard into my clients data base. Why I know this b/c everthing I get into their site they book me off I've been a victim of ID theft and I've seen a lot of bank shy away. If they knew the pain I had to endure POLICE report constantly, hacking, filing to you guys and ftc Law said we have the right to dispute any inaccuracy and they are required by law to look into it or at least do a reason investigation they have fail me miserable

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 2018-08-31
Company: Diversified Consultants, Inc.
State: OH
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:
Please see the document attached to this complaint. Diversified Consultants has  advised that XXXX XXXX recalled this account in XXXX of XXXX. I just need this to be removed from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: LoanCare, LLC
State: DC
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:
I have a loan with LOANCARE SERVICING CTR. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX  and LOANCARE SERVICING CTR were no successful resolution. XXXX, XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late an 2018, XX/XX/2018, XX/XX/2018, XX/XX/XXXX, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
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:
Capital One closed me for " behavior inconsistent with use of an account. '' I had a negative balance of {$15000.00}. 

It has been nearly three months, and Capital One still has not returned this balance to me.

They are effectively making free interest off my money. It needs to be returned immediately, preferably with 2 % interest, the prevailing interest rate - for last three months.

They should also return my confiscated rewards of {$220.00} dollars as a good will gesture for holding my money this long.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: Experian Information Solutions Inc.
State: OH
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:
There has been multiple dates over the past 4 years. I've been trying to remove a delinquent account that is showing late payments but my husband and I no longer owe the company. We had a lawsuit against them and received a letter from our lawyer that shows we no longer owe anything, but Experian insists on keeping it on our credit report and letting it destroy our credit score. I'm considering a lawsuit against Experian next. This has gotten way out of hand.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: NAVY FEDERAL CREDIT UNION
State: DC
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 have a loan with NAVY FCU. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and NAVY FCU were no successful resolution. XXXX, XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Mailing subpoena request to courts in counties that I do not work or reside in. Mailing those same documents to companies I currently have accounts with, asking for release of personal information and records, including banking information. Printing my SSN on documents that are being mailed. Mailing uncertified letters as offical notice. Refusing to send original account information for the debt supposedly owed. Not able to be reached by phone. Attempting to take legal action on an account that's older than 7 years. 

I have tried contacting the collector, requested original documents associated with the alleged account, contacted the court for which documents were sent, and asked that all communication cease. I believe these actions violate the fair debt and collections act, and may also be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Prior to XXXX, I was on an income-based repayment plan. When I had to submit documentation for renewal, they refused to accept it and my first notification was months later when they demanded payment that well exceeded my total monthly income. When contacted, they played word games and demanded specific wording to process my XXXX. I provided such, and was notified yesterday that I had new documents, but was unable to access them as there was no link on their website to do so, and the direct link in the email dropped me at a landing page. 

Today I got another demand for payment with a link that finally allowed me to view the documents, which apparently were about a refusal to process my XXXX as now that they had my documentation explicitly for the renewal of my XXXX, they claimed I did n't request an XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: MS
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 disputed the student loan account with Equifax for several attempts, to no avail. The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a  loan because of this XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-04
Company: SYNCHRONY FINANCIAL
State: DC
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 a loan with SYNCB/CARE CREDIT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and SYNCB/CARE CREDIT with no successful resolution. XXXX, XXXX  only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/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 explanation
Consumer complaint received 2018-07-06
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I was asking for information on a medical bill I am disputing. I requested information pertaining to bill and they sent me my sealed medical records. They are not suppose to have that. I sent them a certified letter question their access to my private medical history and procedures and they never answered. And they have been reporting this erroneous debt to the credit bureaus regularly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-31
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 just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just recently examined my credit report and have noticed some inaccurate accounts reported on my credit file. These derogatory accounts do not belong to me. I also have no knowledge of those accounts and have no idea who would have admittance to my credit. Unfortunately, due to these false accounts, I have no chance of acquiring new credit. Please conduct a reinvestigation into this matter and have these derogatory accounts removed from my credit file.

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 2018-02-15
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Santander consumer USA is attempting to collect on a debt that I do not have a contract with their company, they breached their contract when they sold the account, they are attempting to collect a debt that is {$25000.00} which I no longer owe Santander consumer USA, by law they have to remove the fraudulent account! Santander consumer USA is involved in a class action law suit regarding reporting fraudulent charges and accounts on consumers credit reports. If the account is not removed from my credit profile. I will file a lawsuit against Santander consumer USA. I have filed complaint with the Attorneys general office and I have also submitted all documents to my attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-31
Company: Experian Information Solutions Inc.
State: OH
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:
Sent several letters out to Experian, XXXX and XXXX about not having the accounts verified through electronic verification and provide me with documentation showing the validity of these items. Two letters have already gone to Experian, XXXX and XXXX asking for personal verification and not electronic, and all 3 credit bureaus continue to verify it as correct through electronic verification. They did not contact the creditors personally, but did it though electronic verification after I requested that they do not use that form of verification and to verify my signature. They have failed to do this request. I do not have the correct account numbers since all they have is X and not the correct numbers. The bankruptcy is incorrect and they will only verify thought XXXX and not personally from the courts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
2 Bank Of America Accts w/Unauthorized charges/Fraud charges totaling over XXXX. All fraud charges have been filed 2 times w/BOA separately & both later denied ( XX/XX/XXXX ). 

My Actions to Date : XX/XX/XXXX : Fraud reported & $ $ removed from accts. 6 wks later, all unauthorized $ put back on XX/XX/XXXX : Police Report filed & investigation opened by XXXX XXXX. 
XX/XX/XXXX : Alerted BOA of police report & re-submitted claims ( # 2 ) ... later denied again by BOA XX/XX/XXXX : Thief was identified on video & more info was relayed to police detective. 

XX/XX/XXXX : FTC IDENTITY THEFT report created & submitted to BOA. Other Info sent : -Specific Name & contact info of the thief confirmed in video, so BOA fraud dept could use -Police Detective & Police Reports /Case # Details -Summary/Documentation showing unauthorized charges broken down by month in XXXX. 
( Requested once again for all fraud charges be removed ) **All charges that have been claimed as fraud were 100 % unauthorized. All charges were initially removed & later added back on. 

XX/XX/XXXX : BOA employee signed for FTC IDENTITY theft reports ... 
XX/XX/XXXX : As of today, there has been 0 follow up from BOA since FTC report. ( almost 30 days )

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 2020-06-29
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My account ending in XXXX with XXXX XXXX has been paid off. XXXX XXXX is showing their is a past due balance of {$690.00} and that is incorrect. Also, the negative remark of this being a charge off account is inaccurate. Please see attachment from XXXX XXXX validating this account has been paid off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-04
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I got a loan in 2008 I believe and after done with school it was hard to get a job that payed well for the career I was pursuing, my My loan interest kept going up and I had no job for a couple of months.They kept adding everyday interest and its hard for me to pay the whole loan.

Company response to consumer: Closed with explanation